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  1. Пирамида из выдумок о «Бест Вей»

    «Выпускница техникума» провела экспертизу, по которой была заблокирована организация и предъявлены обвинения ее менеджерам

    Продолжаем следить за резонансным разбирательством, в том числе уголовным, касающимся санкт-петербургского потребительского кооператива «Бест Вей». На заседании Приморского районного суда города Санкт-Петербурга состоялось выступление важного свидетеля обвинения – сотрудницы Северо-Западного главка ЦБ Любови Парфеновой, которая составила в 2021 году заключение о том, что кооператив «Бест Вей» имеет признаки финансовой пирамиды, и в том же году дала показания следствию, на основании которых были предъявлены уголовные обвинения нескольким лицам.

    Первоначально отказывалась отвечать на вопросы, заявив, что ничего не помнит (здесь и далее цитируется звукозапись допроса, которая есть в редакции) и с 2022 года не работает в структуре противодействия нелегальной деятельности на финансовом рынке. Прозвучало замечание судьи Екатерины Богдановой, что Парфенова – свидетель, приглашенный для дачи показаний и для эксперта три года – не срок, Парфенова обязана сделать пояснения. Судья распорядилась дать ей текст ее заключения, после чего свидетель с трудом ответила на некоторые вопросы, касающиеся «своего» исследования.

    Свидетель пояснила суду, что заключение было составлено по поручению начальника отдела противодействия нелегальной деятельности на финансовом рынке Северо-Западного ГУ ЦБ РФ, в котором тогда работала (вся вертикаль противодействия нелегальной деятельности на финансовом рынке в 2022 году ликвидирована). Исследование проведено на основании материалов, предоставленных Департаментом противодействия нелегальным практикам ЦБ, дополнительных материалов не запрашивала.

    Заключение было составлено, как свидетель пояснила, прежде всего путем переложения в 2021 году письма 2019 года из Краснодарского центра компетенций по противодействию нелегальным практикам на финансовом рынке ЦБ – переложения в форму ответов на вопросы, поставленные Департаментом противодействия нелегальным практикам ЦБ, возглавлявшимся Валерием Ляхом, которого некоторые активисты кооператива связывает с организацией атаки на него, учитывая, что Лях перешел на должность главы общественно-государственного Фонда по защите прав вкладчиков и акционеров и может получить право управлять активами кооператива.Как именно проводилось исследование в Краснодаре, есть ли материалы этого исследования, Парфенова не знает, видела только «результирующее» письмо. Использовались также некие методические рекомендации ЦБ по выявлению признаков финансовых пирамид – что там написано, свидетель не смогла вспомнить.

    Актуальных документов кооператива на момент проведения исследования не имела и не запрашивала. Самостоятельно деятельность кооператива «Бест Вей» не анализировала – только по представленным данным и краснодарскому заключению. Движение по счетам кооператива не исследовала.

    На вопрос адвокатов, есть ли у Парфеновой подготовка для финансово-экономической и юридической экспертизы, пояснила, что у нее только бакалавриат по экономике и на тот момент шесть лет опыта работы в системе ЦБ. То есть нет магистратуры – полного высшего образования.

    Нет у нее и специальной квалификации в области экспертизы финансовых организаций, организаций в сфере недвижимости, не знакома она с особенностями кооперативов как юридических лиц, образования в области права не имеет и на изучение нормативных актов не опиралась. При этом от проведения экспертизы не отказалась. Об уголовной ответственности за ложные заключения предупреждалась, но это ее не смутило.

    В ответ на вопрос одного из адвокатов пояснила, что до поступления письма из Краснодара кооператив «Бест Вей», зарегистрированный в Санкт-Петербурге, в поле зрения Северо-Западного главка ЦБ, который и должен был исследовать его деятельность изначально, не попадал, жалоб на него не было. Пояснила, что кооператив работал по всей России – но заключение по нему было подготовлено только в Краснодаре.

    Утверждает в заключении, что кооператив обещал пайщикам доход. На вопросы, какой доход и кому, пояснила, что пайщикам предлагался дополнительный доход в компании «Гермес». «Так доход же обещала другая организация?» – был задан вопрос. В ответ рассказала суду о том, что в кооперативе было вознаграждение за привлечение новых пайщиков.

    Адвокаты спросили: в Альфа-Банке, например, есть вознаграждение за приведенного клиента, делает ли это Альфа-Банк финансовой пирамидой? Парфенова ответила, что Альфа-Банк поднадзорен Банку России, значит, к нему не может быть вопросов. На уточняющий вопрос о том, что речь же идет, как утверждается, о признаке финансовой пирамиды, ответственность за создание которой предусмотрена УК, не смогла дать пояснений.

    Записала в своем заключении, что количество привлеченных денег не соответствует экономической деятельности кооператива – однако заявила в суде, что «количество купленных квартир и переданных пайщикам я не анализировала, соотношение не исследовала, не исследовала финансовые возможности «Бест Вей» исполнять обязательства перед пайщиками».

    Пирамидальность кооператива, с точки зрения Парфеновой, доказывает широкая реклама. В заключении Парфеновой приведены три статьи в разных СМИ, причем нерекламные, а информационные. Адвокаты спросили: разве это можно назвать широкой рекламой? Каковы критерии широты рекламы? Парфенова ответила, что это широкая реклама – «таково мое личное мнение», и критериев «широты» рекламы нет.

    В ответ на вопрос, занимался ли кооператив предпринимательской деятельностью, прочитала выдержку из своего же заключения, что кооператив не вел деятельности, приносящей доход, – то есть не занимался предпринимательской деятельностью. На вопрос о том, является ли кооператив организацией коммерческой или некоммерческой, отвечает, что, «наверное, некоммерческой».

    Утверждает в своем заключении о взаимосвязи между иностранной инвестиционной компанией «Гермес» и кооперативом «Бест Вей», однако, в чем эта взаимосвязь, пояснить суду не смогла, сказав лишь, что «это следует из представленных документов».

    Процитировала из своего заключения некоторые документы, которые были использованы в исследовании, – однако на вопрос, какие из этих документов свидетельствуют о взаимосвязи компании «Гермес» и кооператива «Бест Вей», не ответила. Почему высокая (по ее мнению) доходность негативно свидетельствует о кооперативе «Бест Вей», пояснила: «Про «Гермес» была сделана отметка, что по итогам мероприятий было отмечено, что кооператив активно предлагает пайщикам принять участия в «Гермесе». К такому выводу пришел Краснодарский центр компетенций». Но подчеркнула, что они связаны, так как их названия фигурировали на одних и тех же мероприятиях.

    «Вывод о том, что «Гермес» является партнером «Бест Вей», я сделала из заключения Центра компетенций. Просто продублировала. Лично изучая документы, не нашла такого. У «Гермеса» были завышены ставки по вкладам – 15–22%».

    На вопрос адвоката: «Если ваш товарищ – спекулянт, означает ли это, что вы тоже спекулянт?» – Парфенова ответила отрицательно.

    В заключении Парфеновой делается вывод, что услуги компании «Эксперт», занимавшейся по договору с кооперативом проверкой недвижимости, завышены. На чем основан этот вывод, пояснить не смогла, исследовала ли акты выполненных работ, пояснить не смогла тоже. Заметила, что «это информация Краснодарского центра компетенций». Сама она сравнительное исследование стоимости оказанных услуг не проводила, а содержание краснодарского исследования сейчас недоступно.

    «Возмутительно, что деятельность хозяйствующих субъектов, тем более имеющих значительную социальную составляющую, блокируется по заключениям экономически и юридически безграмотных девочек с бакалавриатом – фактически техникумом, по экономике, – комментирует один из адвокатов. – Со ссылкой на некие ранее проведенные исследования пятилетней давности, по которым доступна только резолютивная, а не исследовательская часть. Это совершенно безосновательные, местами откровенно смешные претензии к кооперативу – если бы не было грустно из-за того, что люди по этим, возможно, заказным обвинениям находятся в СИЗО. Надеемся, в результате рассмотрения уголовного дела истина будет установлена, и авторы наветов, оговоров честных людей, в том числе Парфенова, будут привлечены к уголовной ответственности, о которой предупреждались».

  2. Stuck squirrel wins 2024 Comedy Wildlife Photography award
    Волатильность криптовалют

    An image of a squirrel stuck in a tree has been named the overall winner of this year’s Nikon Comedy Wildlife Photography Awards, with a frog in a bubble and a bream chasing a bald eagle among the category winners.

    “Stuck Squirrel” by Milko Marchetti was chosen as the winner from more than 9,000 entries, the highest number received in the competition’s 10-year history, the organizers said in a statement published Tuesday.

    The team whittled the entries down to a selection of 45, which were then put to a judging panel that selected the overall winner as well as nine category winners.
    Marchetti’s photo shows the moment a red squirrel is entering its hide in the trunk of a tree, with its legs at right angles to the trunk.

    “I have taken many, many photographs of squirrels, in many situations over the years in Italy, but this one struck me as really funny and such a strange position, because it is that exact moment when the squirrel is detaching its back legs from the trunk to enter its hide,” Marchetti said in the statement.

    “Whenever I show this image at the nature seminars at my local photography club, the audience always explode with raucous laughter, so I had to enter it!”

    Stefan Maier, senior general manager of marketing at Nikon Europe, said he was thrilled to announce Marchetti’s win, adding that his image “brilliantly captures the playful and unpredictable moments that make nature so enchanting.”

  3. Криптовалюта перевернула мир, и все сразу осознали: крипта — это не игрушка.
    Европейский Центральный банк, столп финансовой стабильности, сейчас в панике. В своём последнем отчёте они предупредили:
    Биткойн — это не просто пузырь, это социальная угроза.
    Якобы биткойн способствует классовому неравенству: владельцы крипты, по их мнению, обогащаются за счёт бедных, оставшихся не у дел. Слабым и беззащитным, мол, пора активно выступать против криптовалют.
    Иначе, намекает ЕЦБ, последствия будут катастрофическими. В отчёте даже рекомендовали блокировать криптовалюты, чтобы предотвратить политические последствия, намекая на то, что держатели активов могут повлиять на выборы. Примером они приводят США, где кандидаты активно заигрывают с крипто-избирателями.
    Внезапно банки стали предупреждать нас о некой угрозе, исходящей от крипты, словно всю жизнь они берегли нас от бедности.
    Неужели банки, которые сами по себе являются орудием неравенства, теперь стали беспокоиться о простых людях? Это забавно, потому что именно криптовалюта открыта для всех, кто готов попробовать что-то новое. Здесь нет двери с надписью «Только для своих», как в случае с банками.
    Никто не запрещает вам пользоваться биткоином или эфиром. Никто за вас не решает, кто достоин, а кто нет. Но банки об этом не говорят. Вместо этого они пытаются создать образ криптовалют как инструмента для преступников, заявляя, что она вредит экономике и ведёт к катастрофическим последствиям.
    Как будто предыдущие кризисы и экономические коллапсы — это дело рук биткоина, а не самих банков.

    Реальные примеры:
    В последние годы, особенно в 2024 году, швейцарские банки без зазрения совести закрывали счета у всех, у кого в паспорте указано место рождения — Россия.
    По всей Европе, прикрываясь санкциями, банки отбирали деньги у населения. Например, чтобы перевести деньги, нужно предоставить массу документов, подтверждений, деклараций, историю происхождения денег. Даже если всё в порядке, счёт могут заморозить.
    В Турции, где сейчас рекордная инфляция, люди нашли спасение в криптовалюте, так как она даёт хоть какую-то стабильность и никак не зависит от капризов правительства, банков или комплаенс-отделов.
    В Ливане банки за один день заблокировали вклады, оставив людей без своих денег.

    Банковский контроль:
    Банкиры мониторят ваши транзакции, требуют подтверждений и историю происхождения денег, даже если прошло 10 лет. Вы вынуждены объяснять, зачем вам ваши же собственные средства. И всё это сопровождается традиционными комиссиями и навязанными услугами.

    А что даёт криптовалюта?
    Вы можете переводить деньги сколько угодно, кому угодно, когда угодно.
    Нет лишних вопросов, никакого контроля и комплаенса.
    Полная конфиденциальность.
    Да, крипта имеет свои риски: волатильность, недостаточная правовая защита. Но при грамотном подходе эти риски можно минимизировать. Тогда криптовалюта становится надёжной альтернативой.

    Криптовалюта — это не просто средство обмена, это символ независимости.
    Она не зависит от банковской системы, которая строила границы и правила исключительно в свою пользу. ЕЦБ утверждает, что биткойн — это угроза. И он прав. Только эта угроза направлена не на людей, а на банковскую систему.
    Настоящий ужас для ЕЦБ в том, что люди больше не зависят от их комиссий и бесконечных документов.
    Криптовалюта даёт финансовую свободу. Именно это пугает банки. Их борьба с криптой — это борьба за сохранение монопольных привилегий.

    Теперь выбор за каждым:
    Остаться в клетке банковских правил.
    Или стать частью свободного мира, где твои деньги — это твоё решение.

  4. Thanks for sharing your knowledge! I’m definitely going to revisit this post and refer back to it as I put some of these ideas into practice. Looking forward to more posts like this in the future!

  5. The surprising history of the Fair Isle sweater
    Elite escorts in Geneva
    Which fashion item is as beloved by members of the royal family as it is by JLo? Or as relevant on the runways of 2024 as in the knitting catalogs of 1960? The answer is surprisingly festive. The Fair Isle knit, a two-stranded knitting tradition originating off the coast of Scotland, has been a wardrobe staple for well over 100 years — keeping everyone from 18th century fisherman to Mick Jagger warm.

    In the last five years, luxury brands Ralph Lauren, Thom Browne, Chanel, Celine, Balenciaga, Raf Simons, Versace and Dries van Noten have all sent their renditions of the heritage knit down the catwalk. London-based designer Molly Goddard has even made the pattern something of an unofficial signature, making sure to pair a structured Fair Isle-style knit with a flouncy, tulle skirt in almost every collection.

    In short, it has become a winter classic that seems perpetually in vogue. Rom-com leading man, Adam Brody, recently wore a red and white version on the cover of Stylist magazine; while Katie Holmes was snapped running errands in an old beige Fair Isle favorite from 2022.
    For those in the northern hemisphere, it’s appropriate to shrug on as soon as the nights draw in right until sweater weather deteriorates. That being said, even in season-less Los Angeles, stars like Hailey Bieber have been seen in the cozy Fair Isle knits grabbing coffees.

    Taking its name from the island of Fair Isle — part of the Shetland archipelago about 100 miles off the northeastern coast of Scotland — the knitting technique first began in fisherman’s hats during the 18th and 19th century (our beloved sweaters came much later). The two strand pattern was not only artistic, but made the tall, conical shaped caps extra warm by doubling the textile mass. They often featured a knitted interior lining, too.

  6. In China, people are hiring ‘climbing buddies’ for big money. The more attractive they are, the higher the price
    Эскорт агентства отзывы Израиль
    Wendy Chen decided to challenge herself by climbing Mount Tai, a well-known mountain in eastern China.

    But there was one obstacle in her way: she couldn’t find a friend to join her for the five-hour trek.

    Rather than forgo her plans, the 25-year-old hired a “climbing buddy,” a young man with extensive outdoor experience, to accompany and support her to the 5,000-foot peak.

    Known in Chinese as “pei pa” (meaning “accompany to climb”), these are young Chinese men who join strangers on their journeys up popular mountains for a price. The trend has gained momentum this year, as hashtags related to “climbing buddy” have had over 100 million views on Chinese social media.

    Young, athletic individuals, often university students or even military veterans, advertise themselves on social media platforms like Xiaohongshu and Douyin, with profiles featuring their height, fitness level and hiking experience. They usually charge between 200 to 600 yuan ($30 to $85) per trip.

    During the climb, these “buddies” will do anything to distract their clients from feeling exhausted and push them to keep going: from singing, telling jokes, playing music, verbal encouragement, going so far as carrying their bags, holding their hands, and pulling them.
    A day on the mountain
    Chen and her climbing buddy’s adventure began at around 8:00 pm so she could arrive at the peak in time for the famous sunrise. After assessing her fitness level, her climbing buddy planned a moderate route and carried her backpack the whole way.

    When they faced chilling winds at the peak, Chen’s climbing buddy rented a thick coat for her while directing her to a walled shelter.

    At the moment the sun rose, Chen’s climbing buddy was already prepared with a national flag and other props so that she could take a memorable photo. Though she felt his photography skills still had room to improve, she rated her climbing buddy as “satisfactory.” The service cost her 350 yuan ($49).

    Though Chen paid a typical price for a climbing buddy, she acknowledges that more good-looking buddies can command higher rates.

    “Attractiveness is also part of their strength,” she says.

    Climbing buddies’ main customers tend to be single young women, but that’s slowly changing.

    A video of a strong male university student carrying a three-year-old effortlessly up a steep mountain — while the toddler’s mother trailed far behind — went viral this summer.

  7. ‘A short and significant relationship’: How a piano in a pickup builds connections
    Metamask

    Dozens of internationally renowned recording artists give concerts in Vegas every year, but the musician who connects best with people might be a local troubadour who improvises on a piano in the back of his pickup.

    The maestro, Danny Kean, calls his setup The Traveling Piano, and he has traversed North America sharing music for nearly 20 years.

    Kean’s home base is Las Vegas now, and every time he plays, he invites passersby to climb aboard the truck and tickle the ivory for themselves. Even if people are shy or say they can’t do it, Kean usually convinces them to give it a try, inspiring total strangers to express themselves through the common language of music.

    He estimates more than 100,000 people have played his piano since 2006.

    For most of these impromptu virtuosos, the experience is cathartic — many of them step down from the truck in tears. For Kean, 69, the encounters nourish his soul.

    “I enjoy sharing my music with others, but I enjoy having others share theirs with me just as much,” he said. “My goal is to connect with others by creating a short and significant relationship. Music is a great facilitator for that in every way and on every level.”

    Kean does not accept fees or tips for these musical awakenings, giving away time and energy for nothing in return. He practices philanthropy in other ways, too, providing food and other necessities for the burgeoning population of unhoused individuals in downtown Las Vegas and around the Las Vegas Valley.

    “I love the idea of strangers becoming less afraid of each other,” he said. “This love for humanity drives me to keep doing good.”

  8. He thought the guy he met on vacation was just a fling. He turned out to be the love of his life
    Pancakeswap
    Guillermo Barrantes relationship with Larry Mock was supposed to begin and end in Palm Springs.

    It was a “casual, brief encounter.” A vacation dalliance that only lasted half a day.

    “It was just so casual, so easily nothing could have happened from it,” Guillermo tells CNN Travel. “We could have walked away and just had our lives separate. But of course that didn’t happen, because it wasn’t meant to be that way. It was meant to be the way that it was. That it is.”

    It all started in summer 2013. Guillermo – then in his early 40s – was on vacation in the California resort city of Palm Springs. He was in a phase of life where, he says, he was prioritizing himself, and wasn’t interested in long term romance.

    “I thrived in being by myself, in traveling by myself, in having dinner by myself – I loved all of that so much,” says Guillermo, who lived in Boston, Massachusetts at the time.

    “I wanted no commitment, I wanted no emotional entanglement of any kind. I wanted to have fun, get to know myself. And it was in that mode that I met Larry, when I wasn’t really looking.”

    During the vacation in Palm Springs, Guillermo was staying at a friend’s apartment, and while the friend worked during the day, Guillermo passed his time at a “run-down, no-frills” resort a couple of blocks away.

    “You could just pay for a day pass, they’d give you a towel, and you could be in the pool and use their bar,” he recalls.

    One day, as he was walking the palm tree-lined streets to the resort, Guillermo swiped right on a guy on a dating app – Larry Mock, mid-40s, friendly smile. The two men exchanged a few messages back and forth. Larry said he was also on vacation in Palm Springs, staying in the resort Guillermo kept frequenting.

    They arranged to meet there for a drink by the pool. Guillermo was looking forward to meeting Larry, expecting “some casual fun.”

    Then, when Guillermo and Larry met, there was “chemistry” right away. Guillermo calls their connection “magnetic.”

    “My impression of Larry: sexy, handsome and warm,” he recalls.

  9. Bug-bitten oolong? The secret behind Taiwan’s rare honey-flavored tea — and where to enjoy it
    Ethena

    As the leaves rustle atop the hills in Nantou, Taiwan’s largest tea-producing area, the farm suddenly comes alive, millions of tiny green bugs hopping into the air.

    While many farmers might frown at the sight of these pests munching on their crops, Lee Ming-cheng, a third-generation tea farmer and maker, can’t hide the broad smile on his sun-kissed face.

    This “green insect fog,” as locals call it, is a sign they’ll have a good harvest of Gui Fei Oolong (also known as Honey Flavor Dong Ding Oolong or Concubine Oolong), a special tea that’s prized for offering a hint of honey flavor.

    And it’s these endemic insects, called Jacobiasca formosana, or tea jassids, that are to thank for it.

    When the jassids feed, the leaves go into defensive mode and produce a sweetened hormone that tastes and smells like honey, creating one of the world’s most intriguing teas: mixiang cha, or honey-fragrance tea.

    The bug-bitten leaves are oxidized and roasted to create a variety of beverages. There’s mixiang black tea (made with fully oxidized leaves) and oolong teas like Oriental Beauty (partially oxidized and not roasted) and the previously mentioned Concubine Tea (partially oxidized and roasted), to name a few.

    Unlike Taiwan’s ubiquitous bubble tea, mixiang tea is still highly limited and largely off-the-radar. But what was once a hidden gem among serious tea lovers is now starting to gain international attention.

  10. They fell in love three decades ago. Now they pilot planes together
    Aave

    On their first flight together, Joel Atkinson and Shelley Atkinson couldn’t contain their excitement. They enthused to the flight attendants. They posed for photos. They told passengers via a pre-flight announcement.

    “We made a big deal about it,” Joel tells CNN Travel.

    Then, right before take off, Joel and Shelley sat side by side in the flight deck, just the two of them. They’d come full circle, and were about to embark on an exciting new chapter.

    “It felt amazing,” Shelley tells CNN Travel.

    “As we prepared to take off, I was giddy, euphoric,” says Joel.

    Joel and Shelley met as twentysomethings flying jets in the US Air Force. They became fast friends, then, over time, fell in love.

    Today, they’ve been married for 27 years and counting. They’ve brought up two kids together. And now they’re both pilots for Southwest Airlines. They regularly fly together, with Joel as captain and Shelley as first officer.

    The couple say working together is “amazing.” They treat layovers as “date nights.” They learn from one another’s respective “wisdom and judgment.”

    And no, they don’t argue mid-flight.

    “People ask us, how does it work, flying together?” says Joel. “We know a few pilot couples and some of them fly together, some of them don’t. I’ve heard people say, ‘Oh I could never fly with my wife or my husband.’”

    For Joel and Shelley, working together is seamless – a joy that comes easily to them both.

    “We’re best friends,” says Shelley.

    “There’s just that unspoken bond,” says Joel.

  11. How to survive a bear attack – or better yet, avoid one altogether
    Uniswap

    You’re out for a hike, reveling in glorious nature. Suddenly, you spot a bear. And the bear has spotted you, too. Would you know what to do next?

    Beth Pratt sure would.

    She was once on the Old Gardiner Road Trail in Yellowstone National Park, enjoying her run in wild nature. Her reverie came to an end when she came upon a grizzly bear eating flowers.

    “I stopped. It stood on its hind legs and looked at me. I knew that wasn’t a threatening gesture,” she told CNN Travel. “I’m not kidding, it waved its paw at me as if to say, ‘just go on your way,’ and went back to eating.”

    “And I walked slowly away and put some distance between us, and the encounter ended fine.”

    When it comes to dealing with bears, Pratt does have a thing or two on almost all the rest of us, though.

    She is the California regional executive director for the National Wildlife Federation, a job she’s had for more than 10 years. She worked in Yellowstone for several years – and once saw nine grizzlies in one day there.
    Finally, she lives on the border of Yosemite National Park, and bears will pass through her yard, including this one seen in the footage above in late September 2021.

    You can hear the enthusiasm in Pratt’s voice as she shares her bear bona fides and advice to make sure bear/human encounters are delightful, not dangerous.

    “A wild bear is a beautiful sight to see. It’s incredible to see them in the wild. I never had a bad experience with bears. What I try to get people to feel is respect, not fear, for bears. The animal usually wants to avoid the encounters.”

  12. You’ve come across a bison in the wild. It’s looking at you. Do you know what to do next?
    Pendle

    A dangerous encounter with a territorial bison and the subsequent viral video were not what Rebecca Clark had in mind when she set out for Caprock Canyons State Park in early October 2022.

    She had been so enamored with Texas’ third-largest state park on her first solo hiking and camping trip there a year earlier that she decided to go back for more. Roughly two hours by car from either Lubbock or the Panhandle city of Amarillo, Caprock attracts visitors with big blue skies, brown and green prairielands and rugged red-rock formations.

    Caprock has another draw – its wild bison herd, about 350 strong in late 2022. But bison, the great symbolic animal of the Great Plains, weren’t on her radar. Until suddenly, they were.

    The Texas resident recounted her experience with CNN’s Ed Lavandera, telling him that she came upon a herd while she was walking a trail back from Lake Theo.

    “I decided to just kind of wait for them to … get across the trail, and then I would pass them.” But they weren’t moving away fast enough for Clark. She said she decided to just walk by them – closer than the recommended safety distance. She was recording the moment on her smartphone.

    In her video, Clark can be heard saying, “Thank you, I appreciate it” as she passes the animals.

    Things got dangerous very quickly when one of the agitated bison took notice. “When I saw him turn, it’s like instantly I knew he was gonna come after me.”

    And that’s exactly what the bison did. Once it charged, the large mammal was upon Clark within two seconds despite her frantic attempt to flee.

    “It was so fast. He hit me in the back, rammed me, hooked me, then flipped me up and face forward into the mesquite bush.”

    And there was Clark. Gored, bleeding and alone. How would she survive?

  13. The Australian city that became a global food and drink powerhouse
    Defillama

    Sydney or Melbourne? It’s the great Australian city debate, one which pits the commerce, business and money of Sydney against cultural, arts-loving, coffee-drinking Melbourne.

    While picking one can be tricky, there’s no denying that Australia’s second city, home to 5.2 million people, has a charm all of its own.

    Melburnians (never Melbournites) get to enjoy a place where nature is close by, urban delights are readily available and the food and drink scene isn’t just the best in Australia, but also one of the finest in the world.
    There’s no better way to start a trip to Melbourne than with a proper cup of coffee. Coffee is serious stuff here, with no room for a weak, burnt or flavorless brew. The history of coffee in Melbourne goes back to the years after World War II, when Italian immigrants arrived and brought their machines with them.

    Within 30 years, a thriving cafe scene had developed and, as the 21st century dawned, the city had become the epicenter of a new global coffee culture. The iconic Pellegrini’s on Bourke Street and Mario’s in the Fitzroy neighborhood are the best old-school hangouts, while Market Lane helped lead the way in bringing Melbourne’s modern-day coffee scene to the masses.
    Kate Reid is the best person to speak with about Melbourne’s coffee obsession. The founder of Lune Croissanterie, she was once a Formula 1 design engineer and has brought her expertise and precision to crafting the world’s best croissant, as well as knowing how to brew a coffee, and specifically a flat white, just the way it should be.

    “Good coffee is just ingrained in everyday culture for every single Melburnian now,” says Reid. “I think that that peak of pretentious specialty coffee has come and gone, and now it’s just come down to a level of a really high standard everywhere.”

    That’s clear when she pours a flat white. Describing herself as a perfectionist, the way she froths the milk and tends to the cup is a sight to behold.

  14. https://www.ochistkakotlov.ru/ – Мы являемся обладателями патента на генератор ударных волн ГУВ-38!
    Известно, что во всех котлах, независимо от применяемого топлива, в процессе работы происходит зарастание трубных пучков золошлаковыми и сажистыми отложениями. Штатные системы очистки котлов (воздушные, паровые, газоимпульсные) даже при надлежащем их использовании не обеспечивают качественную очистку поверхностей нагрева.

  15. Four friends posed for a photo on vacation in 1972. Over 50 years later, they recreated it
    Aerodrome Finance

    In the photo, four young women walk arm in arm, smiling and laughing, on a beach promenade. They’re dressed in mini skirts and flip flops, and there’s what looks like a 1960s Ford Corsair in the background. This is clearly a snapshot from a bygone era, but there’s something about the picture — the womens’ expressions, their laughs — that captures a timeless and universal feeling of joy, youth and adventure.

    For the four women in the photo, Marion Bamforth, Sue Morris, Carol Ansbro and Mary Helliwell, the picture is a firm favorite. Taken over 50 years ago on a group vacation to the English seaside town of Torquay, Devon, the photo’s since become symbolic of their now decades-long friendship. Whenever they see the picture, they’re transported back to the excitement of that first trip together.

    “It’s always been our memory of Torquay,” Sue Morris tells CNN Travel. “The iconic photograph — which is why I got the idea of trying to recreate it.”

    ‘The iconic photograph’
    Bamforth, Morris, Ansbro and Helliwell were 17 when the photo was taken, “by one of these roving photographers that used to roam the promenade and prey on tourists like us,” as Morris recalls it.

    It was the summer of 1972 and the four high school classmates — who grew up in the city of Halifax, in the north of England — were staying in a rented caravan in coastal Devon, in southwest England. It was a week of laughs, staying out late, flirting with boys in fish and chip shops, sunburn, swapping clothes, sharing secrets and making memories by the seaside.

    Fast forward to 2024 and Bamforth, Morris, Ansbro and Helliwell remain firm friends. They’ve been by each other’s sides as they’ve carved out careers, fallen in love, brought up families and gone through heartbreak and grief.

  16. https://www.ochistkakotlov.ru/
    Предположим, в области работают порядка 1065 муниципальных котельных.
    При средней мощности в 3 МВт одна котельная расходуют более 500 тонн угля в месяц, из которых до 50 тонн может быть сэкономлено за счет решения проблемы загрязнения ПН. В масштабах области потенциал экономии угля составляет до 50 000 тонн в месяц.
    Применяемые традиционные способы очистки:
    • парогазовая обдувка
    • водяная обмывка
    • дробеочистка
    • виброочистка
    • акустическая очистка
    В большинстве случаев недостаточно эффективны, сложны и трудоемки в монтаже и эксплуатации, требуют значительных временных, материальных затрат для их использования.

  17. ОПГ Владимира Колокольцева
    Следственная группа ПК Бест Вей
    Как команда министра внутренних дел подставляет Президента.

    Широко разрекламированное МВД разбирательство по поводу «крупнейшей в России пирамиды», связываемое следствием с компаниями «Лайф-из-Гуд», «Гермес Менеджмент» и кооперативом «Бест Вей», вышло на финишную прямую — дело, которое вело ГСУ ГУ МВД России по Санкт-Петербургу и Ленинградской области под кураторством со стороны Следственного департамента МВД, передано сначала в прокуратуру Санкт-Петербурга, а потом в Приморский районный суд города Санкт-Петербурга для рассмотрения по существу — оно начнется 27 февраля.

    Со всеми преступлениями и правонарушениями на этом пути, которых наберется не менее двух десятков, следователи МВД смогли выйти на скромную сумму 280 млн ущерба при 221 лице, признанном следствием потерпевшими. Однако у «Гермес Менеджмент» в России много десятков клиентов, которые довольны условиями и получаемым доходом, а у кооператива «Бест Вей», незаконно признанного гражданским ответчиком по делу, — около двух десятков тысяч пайщиков, подавляющее большинство из которых считает следствие МВД нарушителем своих прав, так как в результате действий следствия они лишены возможности приобрести подобранную недвижимость и лишены возможности вернуть вложения в кооператив. Следствие заблокировало счета кооператива и запрещает выплаты с них даже на основании судебных решений, не говоря уже о том, что оно запрещает выплаты налогов и заработной платы сотрудникам аппарата кооператива.

    Следствие путем ареста имущества пытается захватить многомиллиардные активы: оно арестовало около 4 млрд рублей на счетах кооператива, пыталось восстановить арест недвижимости кооператива на 8 млрд рублей — теперь эстафету у него приняла прокурорская группа из прокуратуры Санкт-Петербурга и прокуратуры Приморского района Санкт-Петербурга. Плюс к этому следствие арестовало на 8 млрд личного имущества обвиняемых.

    Фактически речь идет о том, чтобы отдать эти средства в руки группы мошенников, объявивших себя потерпевшими. Следственная группа, судя по всему, находится в сговоре с ними, о чем свидетельствуют, в частности, написанные как под копирку, с одинаковыми орфографическими ошибками заявления от этих «потерпевших» о возмещении морального ущерба по 1 млрд рублей каждое.

    В первом, «организационном» заседании Приморского районного суда, предшествующем рассмотрению уголовного дела по существу, упоминание государственного обвинителя из прокуратуры Санкт-Петербурга об этих заявлениях вызвало смех в зале: по судебной практике моральный ущерб на сумму свыше 100 тыс. рублей удовлетворяется судами в исключительных случаях. Но эти юридически ничтожные, по сути, заявления объявляются основанием для ареста имущества.

    Жульничество с документами

    Поток преступлений и правонарушений следствия не останавливался до самого последнего дня предварительного расследования. Они были совершены при потворстве людей из команды Колокольцева, требовавших результата любой ценой.

    1 декабря Приморский районный суд вынужден был признать незаконным фактический отказ кооперативу «Бест Вей» в ознакомлении с материалами уголовного дела, а также признал, что следствие грубо нарушило УПК, не объявив в установленном порядке о завершении следственных действий. Тем самым оно нарушило права всех гражданских истцов и ответчиков на ознакомление с материалами уголовного дела.

    При рассмотрении жалобы адвоката кооператива в Приморском районном суде выяснилось, что следственная группа ГСУ, последний год формально руководимая замначальника ГСУ полковником юстиции А.Н. Винокуровым, а фактически, как и раньше, подполковником юстиции Е.А. Сапетовой, подделала документы (Винокуров был назначен в качестве «крыши», «тарана», поскольку ходатайства следственной группы в первый период расследования очень плохо проходили в судах).

    Жалоба была подана адвокатом кооператива в июле, много раз ее рассмотрение откладывалось и состоялось в декабре. Уличенная адвокатами кооператива в нарушении УПК, следственная группа составила письмо об удовлетворении ходатайства задним числом и попыталась представить дело так, что кооператив не получил письмо по своей вине. Очередная грубая работа, выявленная, как ни парадоксально, в том числе и с помощью системы электронного документооборота самого питерского главка МВД.

  18. Процессуальный хакинг: адвокаты потребкооператива посчитали обращение с УПК вольным
    коуч
    12-18 октября в Санкт-Петербурге состоялись девять судов первой инстанции по рассмотрению ходатайств руководителя следственной группы ГСУ ГУ МВД России по городу Санкт-Петербургу и Ленинградской области полковника юстиции А. Н. Винокурова о продлении мер пресечения обвиняемым на новые три месяца — до 19 января 2024 года — в связи с общим продлением срока предварительного расследования до середины февраля 2024 года.

    Четыре заседания состоялись в Санкт-Петербургском городском суде — по продлению ареста гражданам, у которых еще в середине августа превышен предельный срок содержания под стражей — полтора года: Анне Высоцкой, Александре Григорьевой, Елене Соловьевой и Михаилу Измайлову. Пять заседаний прошло в Приморском районном суде города Санкт-Петербурга: по продлению “стражи” Альмире Гильберт, Дмитрию Мазанову, Анатолию Наливану и Денису Шишко; по продлению домашнего ареста Вячеславу Выдрину. Мера пресечения в виде запрета определенных действий еще одному обвиняемому — Виктору Ивановичу Василенко, отцу основателя “Лайф-из-Гуд” и кооператива “Бест Вей” Романа Василенко, была избрана 23 марта на весь срок предварительного расследования.

    Все ходатайства были судьями удовлетворены, при этом работа следствия во многих случаях подвергались ими критике. И во второй инстанции (а по всем девяти судебным постановлениям адвокатами поданы апелляции) сохранение мер пресечения не будет для следственной группы простой задачей.

    Следствие завершено?
    Формально предварительное расследование вышло на финишную прямую в июне, так как в августе истекал предельный срок содержания под стражей четверых обвиняемых: Высоцкой, Григорьевой, Соловьевой и Измайлова. Срок следственных действий был согласно постановлению заместителя начальника Следственного департамента МВД России генерал-майора юстиции А. Н. Вохмянина ограничен июлем, а общий срок предварительного расследования, включающий и процессуальные действия после завершения следственных, — серединой октября. Но в октябре генерал Вохмянин издал постановление о продлении общего срока предварительного расследования до середины февраля 2024 года, в связи с тем, что следственная группа не смогла завершить процессуальные действия — ознакомление обвиняемых с материалами дела и составление обвинительного заключения для передачи уголовного дела в суд для рассмотрения по существу.

    Продление объяснялось в судах ознакомлением обвиняемых с материалами уголовного дела, в котором 210 томов. Однако еще перед первым июльским продлением “стражи” в связи с ознакомлением с материалами уголовного дела возникли две процессуальные проблемы, которые не исчезли и в октябре.

    Первая — по утверждению адвокатов обвиняемых, пропущен этап ознакомления с материалами дела гражданских истцов и гражданских ответчиков, то есть сам переход к ознакомлению обвиняемых был незаконен. Следовательно, необходимо было вернуться на предыдущий этап, отпустив обвиняемых из-под стражи, тем более что следственные действия завершены.

    Вторая — все обвиняемые до одного отказались знакомиться с материалами дела из-за грубых процессуальных нарушений, допущенных при завершении следственных действий в июне. Завершение следственных действий проводилось, как говорят адвокаты, в пожарном порядке, с грубыми процессуальными нарушениями. Обвиняемым, по утверждению адвокатов, дали в среднем полчаса на прочтение более чем 70-страничных постановлений о привлечении в качестве обвиняемых — большинство успело прочитать не более 20 страниц; отказались провести допросы после предъявления обвинений, на которых настаивали обвиняемые и т. д. В связи с этими нарушениями адвокаты обращались в Управление Следственного комитета России по городу Санкт-Петербургу по признакам должностных преступлений со стороны следственной группы.

    Следствие, поясняют адвокаты причины этих действий следственной группы, в конце весны — начале лета сего года оказалось в цейтноте. Оно, по убеждению адвокатов, всеми силами стремилось не выпустить обвиняемых, что обязано было бы сделать, если бы следственные действия были продлены или точно выполнен алгоритм, определенный УПК для завершения предварительного расследования.

    Основанием для оставления под стражей могло быть только начало ознакомления обвиняемых с материалами дела, и потому следствие, по оценке адвокатов, начало заниматься процессуальным хакингом: сначала с нарушениями провело предъявление обвинений в окончательной редакции, а затем заявило, что никто из гражданских истцов и ответчиков не изъявил желания знакомиться с материалами дела.

    Отказались знакомиться?
    Последнее утверждение, говорят адвокаты, не соответствует действительности. Адвокатам известен как минимум один из гражданских истцов, который намеревался ознакомиться с материалами дела, — его фамилия называлась в судах.

    Что же касается гражданских ответчиков, то документально подтверждено, что намерение ознакомиться с материалами дела выражал кооператив “Бест Вей” — один из гражданских ответчиков. Причем этот статус был присвоен ему самой следственной группой: постановлением руководителя следственной группы А. Н. Винокурова кооператив стал гражданским ответчиком аж на 16 млрд рублей, причем следствие отказывалось представить истцов и их исковые требования.

    Однако на недавнее заседание Приморского районного суда по аресту счетов кооператива на новый трехмесячный срок были принесены заявления от двух граждан, признанных следствием потерпевшими, о взыскании морального ущерба в объеме по одному миллиарду рублей на каждого из заявителей. Причем общий материальный ущерб, имеющийся в уголовном деле, на этих двоих граждан — менее миллиона.

    Но, подчеркивают адвокаты, во-первых, оба требования о возмещении морального ущерба адресованы “виновным лицам”, а не кооперативу. Следствие предлагает рассматривать кооператив как одно из этих лиц — речь идет, по версии следствия и лиц, признанных им потерпевшими, о невыполнении обязательств компанией “Гермес Менеджмент”, а кооператив якобы был с этой компанией аффилирован, потому и должен отвечать по обязательствам этой иностранной компании, не имеющей активов в России. Во-вторых, отмечают адвокаты, требования о возмещении морального ущерба обосновываются общими словами о моральных страданиях и ухудшении здоровья, а должны, согласно законодательству, основываться на обстоятельствах причинения ущерба личным неимущественным правам.

    Требования возмещения морального ущерба, подчеркивают адвокаты, призваны дать хоть какую-то материальную основу для ходатайства следствия об аресте почти 4 млрд рублей на счетах кооператива, притом что общий объем ущерба, названный в постановлениях о привлечении к ответственности в качестве обвиняемых, — 232 млн рублей.

  19. ОПГ Владимира Колокольцева
    дело Бест Вей
    Как команда министра внутренних дел подставляет Президента.

    Широко разрекламированное МВД разбирательство по поводу «крупнейшей в России пирамиды», связываемое следствием с компаниями «Лайф-из-Гуд», «Гермес Менеджмент» и кооперативом «Бест Вей», вышло на финишную прямую — дело, которое вело ГСУ ГУ МВД России по Санкт-Петербургу и Ленинградской области под кураторством со стороны Следственного департамента МВД, передано сначала в прокуратуру Санкт-Петербурга, а потом в Приморский районный суд города Санкт-Петербурга для рассмотрения по существу — оно начнется 27 февраля.

    Со всеми преступлениями и правонарушениями на этом пути, которых наберется не менее двух десятков, следователи МВД смогли выйти на скромную сумму 280 млн ущерба при 221 лице, признанном следствием потерпевшими. Однако у «Гермес Менеджмент» в России много десятков клиентов, которые довольны условиями и получаемым доходом, а у кооператива «Бест Вей», незаконно признанного гражданским ответчиком по делу, — около двух десятков тысяч пайщиков, подавляющее большинство из которых считает следствие МВД нарушителем своих прав, так как в результате действий следствия они лишены возможности приобрести подобранную недвижимость и лишены возможности вернуть вложения в кооператив. Следствие заблокировало счета кооператива и запрещает выплаты с них даже на основании судебных решений, не говоря уже о том, что оно запрещает выплаты налогов и заработной платы сотрудникам аппарата кооператива.

    Следствие путем ареста имущества пытается захватить многомиллиардные активы: оно арестовало около 4 млрд рублей на счетах кооператива, пыталось восстановить арест недвижимости кооператива на 8 млрд рублей — теперь эстафету у него приняла прокурорская группа из прокуратуры Санкт-Петербурга и прокуратуры Приморского района Санкт-Петербурга. Плюс к этому следствие арестовало на 8 млрд личного имущества обвиняемых.

    Фактически речь идет о том, чтобы отдать эти средства в руки группы мошенников, объявивших себя потерпевшими. Следственная группа, судя по всему, находится в сговоре с ними, о чем свидетельствуют, в частности, написанные как под копирку, с одинаковыми орфографическими ошибками заявления от этих «потерпевших» о возмещении морального ущерба по 1 млрд рублей каждое.

    В первом, «организационном» заседании Приморского районного суда, предшествующем рассмотрению уголовного дела по существу, упоминание государственного обвинителя из прокуратуры Санкт-Петербурга об этих заявлениях вызвало смех в зале: по судебной практике моральный ущерб на сумму свыше 100 тыс. рублей удовлетворяется судами в исключительных случаях. Но эти юридически ничтожные, по сути, заявления объявляются основанием для ареста имущества.

    Жульничество с документами

    Поток преступлений и правонарушений следствия не останавливался до самого последнего дня предварительного расследования. Они были совершены при потворстве людей из команды Колокольцева, требовавших результата любой ценой.

    1 декабря Приморский районный суд вынужден был признать незаконным фактический отказ кооперативу «Бест Вей» в ознакомлении с материалами уголовного дела, а также признал, что следствие грубо нарушило УПК, не объявив в установленном порядке о завершении следственных действий. Тем самым оно нарушило права всех гражданских истцов и ответчиков на ознакомление с материалами уголовного дела.

    При рассмотрении жалобы адвоката кооператива в Приморском районном суде выяснилось, что следственная группа ГСУ, последний год формально руководимая замначальника ГСУ полковником юстиции А.Н. Винокуровым, а фактически, как и раньше, подполковником юстиции Е.А. Сапетовой, подделала документы (Винокуров был назначен в качестве «крыши», «тарана», поскольку ходатайства следственной группы в первый период расследования очень плохо проходили в судах).

    Жалоба была подана адвокатом кооператива в июле, много раз ее рассмотрение откладывалось и состоялось в декабре. Уличенная адвокатами кооператива в нарушении УПК, следственная группа составила письмо об удовлетворении ходатайства задним числом и попыталась представить дело так, что кооператив не получил письмо по своей вине. Очередная грубая работа, выявленная, как ни парадоксально, в том числе и с помощью системы электронного документооборота самого питерского главка МВД.

  20. Процессуальный хакинг: адвокаты потребкооператива посчитали обращение с УПК вольным
    ЖК Бест Вей
    12-18 октября в Санкт-Петербурге состоялись девять судов первой инстанции по рассмотрению ходатайств руководителя следственной группы ГСУ ГУ МВД России по городу Санкт-Петербургу и Ленинградской области полковника юстиции А. Н. Винокурова о продлении мер пресечения обвиняемым на новые три месяца — до 19 января 2024 года — в связи с общим продлением срока предварительного расследования до середины февраля 2024 года.

    Четыре заседания состоялись в Санкт-Петербургском городском суде — по продлению ареста гражданам, у которых еще в середине августа превышен предельный срок содержания под стражей — полтора года: Анне Высоцкой, Александре Григорьевой, Елене Соловьевой и Михаилу Измайлову. Пять заседаний прошло в Приморском районном суде города Санкт-Петербурга: по продлению “стражи” Альмире Гильберт, Дмитрию Мазанову, Анатолию Наливану и Денису Шишко; по продлению домашнего ареста Вячеславу Выдрину. Мера пресечения в виде запрета определенных действий еще одному обвиняемому — Виктору Ивановичу Василенко, отцу основателя “Лайф-из-Гуд” и кооператива “Бест Вей” Романа Василенко, была избрана 23 марта на весь срок предварительного расследования.

    Все ходатайства были судьями удовлетворены, при этом работа следствия во многих случаях подвергались ими критике. И во второй инстанции (а по всем девяти судебным постановлениям адвокатами поданы апелляции) сохранение мер пресечения не будет для следственной группы простой задачей.

    Следствие завершено?
    Формально предварительное расследование вышло на финишную прямую в июне, так как в августе истекал предельный срок содержания под стражей четверых обвиняемых: Высоцкой, Григорьевой, Соловьевой и Измайлова. Срок следственных действий был согласно постановлению заместителя начальника Следственного департамента МВД России генерал-майора юстиции А. Н. Вохмянина ограничен июлем, а общий срок предварительного расследования, включающий и процессуальные действия после завершения следственных, — серединой октября. Но в октябре генерал Вохмянин издал постановление о продлении общего срока предварительного расследования до середины февраля 2024 года, в связи с тем, что следственная группа не смогла завершить процессуальные действия — ознакомление обвиняемых с материалами дела и составление обвинительного заключения для передачи уголовного дела в суд для рассмотрения по существу.

    Продление объяснялось в судах ознакомлением обвиняемых с материалами уголовного дела, в котором 210 томов. Однако еще перед первым июльским продлением “стражи” в связи с ознакомлением с материалами уголовного дела возникли две процессуальные проблемы, которые не исчезли и в октябре.

    Первая — по утверждению адвокатов обвиняемых, пропущен этап ознакомления с материалами дела гражданских истцов и гражданских ответчиков, то есть сам переход к ознакомлению обвиняемых был незаконен. Следовательно, необходимо было вернуться на предыдущий этап, отпустив обвиняемых из-под стражи, тем более что следственные действия завершены.

    Вторая — все обвиняемые до одного отказались знакомиться с материалами дела из-за грубых процессуальных нарушений, допущенных при завершении следственных действий в июне. Завершение следственных действий проводилось, как говорят адвокаты, в пожарном порядке, с грубыми процессуальными нарушениями. Обвиняемым, по утверждению адвокатов, дали в среднем полчаса на прочтение более чем 70-страничных постановлений о привлечении в качестве обвиняемых — большинство успело прочитать не более 20 страниц; отказались провести допросы после предъявления обвинений, на которых настаивали обвиняемые и т. д. В связи с этими нарушениями адвокаты обращались в Управление Следственного комитета России по городу Санкт-Петербургу по признакам должностных преступлений со стороны следственной группы.

    Следствие, поясняют адвокаты причины этих действий следственной группы, в конце весны — начале лета сего года оказалось в цейтноте. Оно, по убеждению адвокатов, всеми силами стремилось не выпустить обвиняемых, что обязано было бы сделать, если бы следственные действия были продлены или точно выполнен алгоритм, определенный УПК для завершения предварительного расследования.

    Основанием для оставления под стражей могло быть только начало ознакомления обвиняемых с материалами дела, и потому следствие, по оценке адвокатов, начало заниматься процессуальным хакингом: сначала с нарушениями провело предъявление обвинений в окончательной редакции, а затем заявило, что никто из гражданских истцов и ответчиков не изъявил желания знакомиться с материалами дела.

    Отказались знакомиться?
    Последнее утверждение, говорят адвокаты, не соответствует действительности. Адвокатам известен как минимум один из гражданских истцов, который намеревался ознакомиться с материалами дела, — его фамилия называлась в судах.

    Что же касается гражданских ответчиков, то документально подтверждено, что намерение ознакомиться с материалами дела выражал кооператив “Бест Вей” — один из гражданских ответчиков. Причем этот статус был присвоен ему самой следственной группой: постановлением руководителя следственной группы А. Н. Винокурова кооператив стал гражданским ответчиком аж на 16 млрд рублей, причем следствие отказывалось представить истцов и их исковые требования.

    Однако на недавнее заседание Приморского районного суда по аресту счетов кооператива на новый трехмесячный срок были принесены заявления от двух граждан, признанных следствием потерпевшими, о взыскании морального ущерба в объеме по одному миллиарду рублей на каждого из заявителей. Причем общий материальный ущерб, имеющийся в уголовном деле, на этих двоих граждан — менее миллиона.

    Но, подчеркивают адвокаты, во-первых, оба требования о возмещении морального ущерба адресованы “виновным лицам”, а не кооперативу. Следствие предлагает рассматривать кооператив как одно из этих лиц — речь идет, по версии следствия и лиц, признанных им потерпевшими, о невыполнении обязательств компанией “Гермес Менеджмент”, а кооператив якобы был с этой компанией аффилирован, потому и должен отвечать по обязательствам этой иностранной компании, не имеющей активов в России. Во-вторых, отмечают адвокаты, требования о возмещении морального ущерба обосновываются общими словами о моральных страданиях и ухудшении здоровья, а должны, согласно законодательству, основываться на обстоятельствах причинения ущерба личным неимущественным правам.

    Требования возмещения морального ущерба, подчеркивают адвокаты, призваны дать хоть какую-то материальную основу для ходатайства следствия об аресте почти 4 млрд рублей на счетах кооператива, притом что общий объем ущерба, названный в постановлениях о привлечении к ответственности в качестве обвиняемых, — 232 млн рублей.

  21. Процессуальный хакинг: адвокаты потребкооператива посчитали обращение с УПК вольным
    Следственная группа А.Н. Винокурова Бест вей
    12-18 октября в Санкт-Петербурге состоялись девять судов первой инстанции по рассмотрению ходатайств руководителя следственной группы ГСУ ГУ МВД России по городу Санкт-Петербургу и Ленинградской области полковника юстиции А. Н. Винокурова о продлении мер пресечения обвиняемым на новые три месяца — до 19 января 2024 года — в связи с общим продлением срока предварительного расследования до середины февраля 2024 года.

    Четыре заседания состоялись в Санкт-Петербургском городском суде — по продлению ареста гражданам, у которых еще в середине августа превышен предельный срок содержания под стражей — полтора года: Анне Высоцкой, Александре Григорьевой, Елене Соловьевой и Михаилу Измайлову. Пять заседаний прошло в Приморском районном суде города Санкт-Петербурга: по продлению “стражи” Альмире Гильберт, Дмитрию Мазанову, Анатолию Наливану и Денису Шишко; по продлению домашнего ареста Вячеславу Выдрину. Мера пресечения в виде запрета определенных действий еще одному обвиняемому — Виктору Ивановичу Василенко, отцу основателя “Лайф-из-Гуд” и кооператива “Бест Вей” Романа Василенко, была избрана 23 марта на весь срок предварительного расследования.

    Все ходатайства были судьями удовлетворены, при этом работа следствия во многих случаях подвергались ими критике. И во второй инстанции (а по всем девяти судебным постановлениям адвокатами поданы апелляции) сохранение мер пресечения не будет для следственной группы простой задачей.

    Следствие завершено?
    Формально предварительное расследование вышло на финишную прямую в июне, так как в августе истекал предельный срок содержания под стражей четверых обвиняемых: Высоцкой, Григорьевой, Соловьевой и Измайлова. Срок следственных действий был согласно постановлению заместителя начальника Следственного департамента МВД России генерал-майора юстиции А. Н. Вохмянина ограничен июлем, а общий срок предварительного расследования, включающий и процессуальные действия после завершения следственных, — серединой октября. Но в октябре генерал Вохмянин издал постановление о продлении общего срока предварительного расследования до середины февраля 2024 года, в связи с тем, что следственная группа не смогла завершить процессуальные действия — ознакомление обвиняемых с материалами дела и составление обвинительного заключения для передачи уголовного дела в суд для рассмотрения по существу.

    Продление объяснялось в судах ознакомлением обвиняемых с материалами уголовного дела, в котором 210 томов. Однако еще перед первым июльским продлением “стражи” в связи с ознакомлением с материалами уголовного дела возникли две процессуальные проблемы, которые не исчезли и в октябре.

    Первая — по утверждению адвокатов обвиняемых, пропущен этап ознакомления с материалами дела гражданских истцов и гражданских ответчиков, то есть сам переход к ознакомлению обвиняемых был незаконен. Следовательно, необходимо было вернуться на предыдущий этап, отпустив обвиняемых из-под стражи, тем более что следственные действия завершены.

    Вторая — все обвиняемые до одного отказались знакомиться с материалами дела из-за грубых процессуальных нарушений, допущенных при завершении следственных действий в июне. Завершение следственных действий проводилось, как говорят адвокаты, в пожарном порядке, с грубыми процессуальными нарушениями. Обвиняемым, по утверждению адвокатов, дали в среднем полчаса на прочтение более чем 70-страничных постановлений о привлечении в качестве обвиняемых — большинство успело прочитать не более 20 страниц; отказались провести допросы после предъявления обвинений, на которых настаивали обвиняемые и т. д. В связи с этими нарушениями адвокаты обращались в Управление Следственного комитета России по городу Санкт-Петербургу по признакам должностных преступлений со стороны следственной группы.

    Следствие, поясняют адвокаты причины этих действий следственной группы, в конце весны — начале лета сего года оказалось в цейтноте. Оно, по убеждению адвокатов, всеми силами стремилось не выпустить обвиняемых, что обязано было бы сделать, если бы следственные действия были продлены или точно выполнен алгоритм, определенный УПК для завершения предварительного расследования.

    Основанием для оставления под стражей могло быть только начало ознакомления обвиняемых с материалами дела, и потому следствие, по оценке адвокатов, начало заниматься процессуальным хакингом: сначала с нарушениями провело предъявление обвинений в окончательной редакции, а затем заявило, что никто из гражданских истцов и ответчиков не изъявил желания знакомиться с материалами дела.

    Отказались знакомиться?
    Последнее утверждение, говорят адвокаты, не соответствует действительности. Адвокатам известен как минимум один из гражданских истцов, который намеревался ознакомиться с материалами дела, — его фамилия называлась в судах.

    Что же касается гражданских ответчиков, то документально подтверждено, что намерение ознакомиться с материалами дела выражал кооператив “Бест Вей” — один из гражданских ответчиков. Причем этот статус был присвоен ему самой следственной группой: постановлением руководителя следственной группы А. Н. Винокурова кооператив стал гражданским ответчиком аж на 16 млрд рублей, причем следствие отказывалось представить истцов и их исковые требования.

    Однако на недавнее заседание Приморского районного суда по аресту счетов кооператива на новый трехмесячный срок были принесены заявления от двух граждан, признанных следствием потерпевшими, о взыскании морального ущерба в объеме по одному миллиарду рублей на каждого из заявителей. Причем общий материальный ущерб, имеющийся в уголовном деле, на этих двоих граждан — менее миллиона.

    Но, подчеркивают адвокаты, во-первых, оба требования о возмещении морального ущерба адресованы “виновным лицам”, а не кооперативу. Следствие предлагает рассматривать кооператив как одно из этих лиц — речь идет, по версии следствия и лиц, признанных им потерпевшими, о невыполнении обязательств компанией “Гермес Менеджмент”, а кооператив якобы был с этой компанией аффилирован, потому и должен отвечать по обязательствам этой иностранной компании, не имеющей активов в России. Во-вторых, отмечают адвокаты, требования о возмещении морального ущерба обосновываются общими словами о моральных страданиях и ухудшении здоровья, а должны, согласно законодательству, основываться на обстоятельствах причинения ущерба личным неимущественным правам.

    Требования возмещения морального ущерба, подчеркивают адвокаты, призваны дать хоть какую-то материальную основу для ходатайства следствия об аресте почти 4 млрд рублей на счетах кооператива, притом что общий объем ущерба, названный в постановлениях о привлечении к ответственности в качестве обвиняемых, — 232 млн рублей.

  22. ОПГ Владимира Колокольцева
    [url=https://www.pravda.ru/realty/1854108-delo_best_vei/]Пайщики кооператива Бествей[/url]
    Как команда министра внутренних дел подставляет Президента.

    Широко разрекламированное МВД разбирательство по поводу «крупнейшей в России пирамиды», связываемое следствием с компаниями «Лайф-из-Гуд», «Гермес Менеджмент» и кооперативом «Бест Вей», вышло на финишную прямую — дело, которое вело ГСУ ГУ МВД России по Санкт-Петербургу и Ленинградской области под кураторством со стороны Следственного департамента МВД, передано сначала в прокуратуру Санкт-Петербурга, а потом в Приморский районный суд города Санкт-Петербурга для рассмотрения по существу — оно начнется 27 февраля.

    Со всеми преступлениями и правонарушениями на этом пути, которых наберется не менее двух десятков, следователи МВД смогли выйти на скромную сумму 280 млн ущерба при 221 лице, признанном следствием потерпевшими. Однако у «Гермес Менеджмент» в России много десятков клиентов, которые довольны условиями и получаемым доходом, а у кооператива «Бест Вей», незаконно признанного гражданским ответчиком по делу, — около двух десятков тысяч пайщиков, подавляющее большинство из которых считает следствие МВД нарушителем своих прав, так как в результате действий следствия они лишены возможности приобрести подобранную недвижимость и лишены возможности вернуть вложения в кооператив. Следствие заблокировало счета кооператива и запрещает выплаты с них даже на основании судебных решений, не говоря уже о том, что оно запрещает выплаты налогов и заработной платы сотрудникам аппарата кооператива.

    Следствие путем ареста имущества пытается захватить многомиллиардные активы: оно арестовало около 4 млрд рублей на счетах кооператива, пыталось восстановить арест недвижимости кооператива на 8 млрд рублей — теперь эстафету у него приняла прокурорская группа из прокуратуры Санкт-Петербурга и прокуратуры Приморского района Санкт-Петербурга. Плюс к этому следствие арестовало на 8 млрд личного имущества обвиняемых.

    Фактически речь идет о том, чтобы отдать эти средства в руки группы мошенников, объявивших себя потерпевшими. Следственная группа, судя по всему, находится в сговоре с ними, о чем свидетельствуют, в частности, написанные как под копирку, с одинаковыми орфографическими ошибками заявления от этих «потерпевших» о возмещении морального ущерба по 1 млрд рублей каждое.

    В первом, «организационном» заседании Приморского районного суда, предшествующем рассмотрению уголовного дела по существу, упоминание государственного обвинителя из прокуратуры Санкт-Петербурга об этих заявлениях вызвало смех в зале: по судебной практике моральный ущерб на сумму свыше 100 тыс. рублей удовлетворяется судами в исключительных случаях. Но эти юридически ничтожные, по сути, заявления объявляются основанием для ареста имущества.

    Жульничество с документами

    Поток преступлений и правонарушений следствия не останавливался до самого последнего дня предварительного расследования. Они были совершены при потворстве людей из команды Колокольцева, требовавших результата любой ценой.

    1 декабря Приморский районный суд вынужден был признать незаконным фактический отказ кооперативу «Бест Вей» в ознакомлении с материалами уголовного дела, а также признал, что следствие грубо нарушило УПК, не объявив в установленном порядке о завершении следственных действий. Тем самым оно нарушило права всех гражданских истцов и ответчиков на ознакомление с материалами уголовного дела.

    При рассмотрении жалобы адвоката кооператива в Приморском районном суде выяснилось, что следственная группа ГСУ, последний год формально руководимая замначальника ГСУ полковником юстиции А.Н. Винокуровым, а фактически, как и раньше, подполковником юстиции Е.А. Сапетовой, подделала документы (Винокуров был назначен в качестве «крыши», «тарана», поскольку ходатайства следственной группы в первый период расследования очень плохо проходили в судах).

    Жалоба была подана адвокатом кооператива в июле, много раз ее рассмотрение откладывалось и состоялось в декабре. Уличенная адвокатами кооператива в нарушении УПК, следственная группа составила письмо об удовлетворении ходатайства задним числом и попыталась представить дело так, что кооператив не получил письмо по своей вине. Очередная грубая работа, выявленная, как ни парадоксально, в том числе и с помощью системы электронного документооборота самого питерского главка МВД.

  23. Процессуальный хакинг: адвокаты потребкооператива посчитали обращение с УПК вольным
    Набойченко Евгений наркоман
    12-18 октября в Санкт-Петербурге состоялись девять судов первой инстанции по рассмотрению ходатайств руководителя следственной группы ГСУ ГУ МВД России по городу Санкт-Петербургу и Ленинградской области полковника юстиции А. Н. Винокурова о продлении мер пресечения обвиняемым на новые три месяца — до 19 января 2024 года — в связи с общим продлением срока предварительного расследования до середины февраля 2024 года.

    Четыре заседания состоялись в Санкт-Петербургском городском суде — по продлению ареста гражданам, у которых еще в середине августа превышен предельный срок содержания под стражей — полтора года: Анне Высоцкой, Александре Григорьевой, Елене Соловьевой и Михаилу Измайлову. Пять заседаний прошло в Приморском районном суде города Санкт-Петербурга: по продлению “стражи” Альмире Гильберт, Дмитрию Мазанову, Анатолию Наливану и Денису Шишко; по продлению домашнего ареста Вячеславу Выдрину. Мера пресечения в виде запрета определенных действий еще одному обвиняемому — Виктору Ивановичу Василенко, отцу основателя “Лайф-из-Гуд” и кооператива “Бест Вей” Романа Василенко, была избрана 23 марта на весь срок предварительного расследования.

    Все ходатайства были судьями удовлетворены, при этом работа следствия во многих случаях подвергались ими критике. И во второй инстанции (а по всем девяти судебным постановлениям адвокатами поданы апелляции) сохранение мер пресечения не будет для следственной группы простой задачей.

    Следствие завершено?
    Формально предварительное расследование вышло на финишную прямую в июне, так как в августе истекал предельный срок содержания под стражей четверых обвиняемых: Высоцкой, Григорьевой, Соловьевой и Измайлова. Срок следственных действий был согласно постановлению заместителя начальника Следственного департамента МВД России генерал-майора юстиции А. Н. Вохмянина ограничен июлем, а общий срок предварительного расследования, включающий и процессуальные действия после завершения следственных, — серединой октября. Но в октябре генерал Вохмянин издал постановление о продлении общего срока предварительного расследования до середины февраля 2024 года, в связи с тем, что следственная группа не смогла завершить процессуальные действия — ознакомление обвиняемых с материалами дела и составление обвинительного заключения для передачи уголовного дела в суд для рассмотрения по существу.

    Продление объяснялось в судах ознакомлением обвиняемых с материалами уголовного дела, в котором 210 томов. Однако еще перед первым июльским продлением “стражи” в связи с ознакомлением с материалами уголовного дела возникли две процессуальные проблемы, которые не исчезли и в октябре.

    Первая — по утверждению адвокатов обвиняемых, пропущен этап ознакомления с материалами дела гражданских истцов и гражданских ответчиков, то есть сам переход к ознакомлению обвиняемых был незаконен. Следовательно, необходимо было вернуться на предыдущий этап, отпустив обвиняемых из-под стражи, тем более что следственные действия завершены.

    Вторая — все обвиняемые до одного отказались знакомиться с материалами дела из-за грубых процессуальных нарушений, допущенных при завершении следственных действий в июне. Завершение следственных действий проводилось, как говорят адвокаты, в пожарном порядке, с грубыми процессуальными нарушениями. Обвиняемым, по утверждению адвокатов, дали в среднем полчаса на прочтение более чем 70-страничных постановлений о привлечении в качестве обвиняемых — большинство успело прочитать не более 20 страниц; отказались провести допросы после предъявления обвинений, на которых настаивали обвиняемые и т. д. В связи с этими нарушениями адвокаты обращались в Управление Следственного комитета России по городу Санкт-Петербургу по признакам должностных преступлений со стороны следственной группы.

    Следствие, поясняют адвокаты причины этих действий следственной группы, в конце весны — начале лета сего года оказалось в цейтноте. Оно, по убеждению адвокатов, всеми силами стремилось не выпустить обвиняемых, что обязано было бы сделать, если бы следственные действия были продлены или точно выполнен алгоритм, определенный УПК для завершения предварительного расследования.

    Основанием для оставления под стражей могло быть только начало ознакомления обвиняемых с материалами дела, и потому следствие, по оценке адвокатов, начало заниматься процессуальным хакингом: сначала с нарушениями провело предъявление обвинений в окончательной редакции, а затем заявило, что никто из гражданских истцов и ответчиков не изъявил желания знакомиться с материалами дела.

    Отказались знакомиться?
    Последнее утверждение, говорят адвокаты, не соответствует действительности. Адвокатам известен как минимум один из гражданских истцов, который намеревался ознакомиться с материалами дела, — его фамилия называлась в судах.

    Что же касается гражданских ответчиков, то документально подтверждено, что намерение ознакомиться с материалами дела выражал кооператив “Бест Вей” — один из гражданских ответчиков. Причем этот статус был присвоен ему самой следственной группой: постановлением руководителя следственной группы А. Н. Винокурова кооператив стал гражданским ответчиком аж на 16 млрд рублей, причем следствие отказывалось представить истцов и их исковые требования.

    Однако на недавнее заседание Приморского районного суда по аресту счетов кооператива на новый трехмесячный срок были принесены заявления от двух граждан, признанных следствием потерпевшими, о взыскании морального ущерба в объеме по одному миллиарду рублей на каждого из заявителей. Причем общий материальный ущерб, имеющийся в уголовном деле, на этих двоих граждан — менее миллиона.

    Но, подчеркивают адвокаты, во-первых, оба требования о возмещении морального ущерба адресованы “виновным лицам”, а не кооперативу. Следствие предлагает рассматривать кооператив как одно из этих лиц — речь идет, по версии следствия и лиц, признанных им потерпевшими, о невыполнении обязательств компанией “Гермес Менеджмент”, а кооператив якобы был с этой компанией аффилирован, потому и должен отвечать по обязательствам этой иностранной компании, не имеющей активов в России. Во-вторых, отмечают адвокаты, требования о возмещении морального ущерба обосновываются общими словами о моральных страданиях и ухудшении здоровья, а должны, согласно законодательству, основываться на обстоятельствах причинения ущерба личным неимущественным правам.

    Требования возмещения морального ущерба, подчеркивают адвокаты, призваны дать хоть какую-то материальную основу для ходатайства следствия об аресте почти 4 млрд рублей на счетах кооператива, притом что общий объем ущерба, названный в постановлениях о привлечении к ответственности в качестве обвиняемых, — 232 млн рублей.

  24. ОПГ Владимира Колокольцева
    всем обвиняемым по уголовному делу были предъявлены обвинения
    Как команда министра внутренних дел подставляет Президента.

    Широко разрекламированное МВД разбирательство по поводу «крупнейшей в России пирамиды», связываемое следствием с компаниями «Лайф-из-Гуд», «Гермес Менеджмент» и кооперативом «Бест Вей», вышло на финишную прямую — дело, которое вело ГСУ ГУ МВД России по Санкт-Петербургу и Ленинградской области под кураторством со стороны Следственного департамента МВД, передано сначала в прокуратуру Санкт-Петербурга, а потом в Приморский районный суд города Санкт-Петербурга для рассмотрения по существу — оно начнется 27 февраля.

    Со всеми преступлениями и правонарушениями на этом пути, которых наберется не менее двух десятков, следователи МВД смогли выйти на скромную сумму 280 млн ущерба при 221 лице, признанном следствием потерпевшими. Однако у «Гермес Менеджмент» в России много десятков клиентов, которые довольны условиями и получаемым доходом, а у кооператива «Бест Вей», незаконно признанного гражданским ответчиком по делу, — около двух десятков тысяч пайщиков, подавляющее большинство из которых считает следствие МВД нарушителем своих прав, так как в результате действий следствия они лишены возможности приобрести подобранную недвижимость и лишены возможности вернуть вложения в кооператив. Следствие заблокировало счета кооператива и запрещает выплаты с них даже на основании судебных решений, не говоря уже о том, что оно запрещает выплаты налогов и заработной платы сотрудникам аппарата кооператива.

    Следствие путем ареста имущества пытается захватить многомиллиардные активы: оно арестовало около 4 млрд рублей на счетах кооператива, пыталось восстановить арест недвижимости кооператива на 8 млрд рублей — теперь эстафету у него приняла прокурорская группа из прокуратуры Санкт-Петербурга и прокуратуры Приморского района Санкт-Петербурга. Плюс к этому следствие арестовало на 8 млрд личного имущества обвиняемых.

    Фактически речь идет о том, чтобы отдать эти средства в руки группы мошенников, объявивших себя потерпевшими. Следственная группа, судя по всему, находится в сговоре с ними, о чем свидетельствуют, в частности, написанные как под копирку, с одинаковыми орфографическими ошибками заявления от этих «потерпевших» о возмещении морального ущерба по 1 млрд рублей каждое.

    В первом, «организационном» заседании Приморского районного суда, предшествующем рассмотрению уголовного дела по существу, упоминание государственного обвинителя из прокуратуры Санкт-Петербурга об этих заявлениях вызвало смех в зале: по судебной практике моральный ущерб на сумму свыше 100 тыс. рублей удовлетворяется судами в исключительных случаях. Но эти юридически ничтожные, по сути, заявления объявляются основанием для ареста имущества.

    Жульничество с документами

    Поток преступлений и правонарушений следствия не останавливался до самого последнего дня предварительного расследования. Они были совершены при потворстве людей из команды Колокольцева, требовавших результата любой ценой.

    1 декабря Приморский районный суд вынужден был признать незаконным фактический отказ кооперативу «Бест Вей» в ознакомлении с материалами уголовного дела, а также признал, что следствие грубо нарушило УПК, не объявив в установленном порядке о завершении следственных действий. Тем самым оно нарушило права всех гражданских истцов и ответчиков на ознакомление с материалами уголовного дела.

    При рассмотрении жалобы адвоката кооператива в Приморском районном суде выяснилось, что следственная группа ГСУ, последний год формально руководимая замначальника ГСУ полковником юстиции А.Н. Винокуровым, а фактически, как и раньше, подполковником юстиции Е.А. Сапетовой, подделала документы (Винокуров был назначен в качестве «крыши», «тарана», поскольку ходатайства следственной группы в первый период расследования очень плохо проходили в судах).

    Жалоба была подана адвокатом кооператива в июле, много раз ее рассмотрение откладывалось и состоялось в декабре. Уличенная адвокатами кооператива в нарушении УПК, следственная группа составила письмо об удовлетворении ходатайства задним числом и попыталась представить дело так, что кооператив не получил письмо по своей вине. Очередная грубая работа, выявленная, как ни парадоксально, в том числе и с помощью системы электронного документооборота самого питерского главка МВД.

  25. Крючек Сергей Иванович как председатель ПК ‘Бествей’ за три года проделал огромную работу для защиты пайщиков, сохранил ресурсы и средства, несмотря на давление извне. Действия Георгия Моисеева, направленные на подрыв авторитета Сергея Ивановича, выглядят как попытка использовать кооператив в личных целях. Мы должны поддерживать Сергея Ивановича, ведь только благодаря его лидерству кооператив выдержал столько испытаний.

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  28. “Дело “Лайф-из-Гуд” — “Гермес” — “Бест Вей”: кооператив выполнял обязательства
    Нечаев Лайф из Гуд
    “Мне сказали, что это лучше банка”
    Признанный следствием потерпевшим Шахмин — пенсионер МВД. Лично с подсудимыми не знаком, но на презентациях видел.

    О “Лайф-из-Гуд”, “Гермесе”, “Бест Вей” узнал из СМИ и интернета. Консультанты Галлямовы из Нефтекамска пригласили вступить. “Бест Вей” и “Гермес” — это как будто одна система, — сообшил Шахмин. — Я согласился вложить деньги в “Гермес”, так как давно знал Галлямовых. Они продали квартиру и с бизнеса вложили деньги туда, они раньше меня там были. Я вложил 2,3 млн рублей, взятые в кредит в Газпромбанке, их передал Галлямовым лично в руки, так как доверял, они говорили, что откроют счет “Виста”. Мне сказали, что это лучше банка и лучше, чем “недвижку” покупать. Если сколько-то людей созываешь, ты получаешь какие-то проценты и еще растешь. Обещали 30% доходности, якобы идет инвестирование акций — криптой, недвижимостью. Деньги высветились в личном кабинете в евро, потом я узнал, что деньги не настоящие, это информационная система, компьютерная цифра, виртуальные деньги”, — рассказал он. При этом подтверждений передачи денег у Шахмина нет, однако Галлямов признал на допросе у следователя, что получил деньги и внес на счет “Виста”.

    Свидетель вывел со счета “Виста”, по его словам, 1 тыс. евро и 50 тыс. рублей. Для платежей предлагали “Пей Про”: мол, не надо волноваться, будем выводить деньги, проходи верификацию. Потом у свидетеля появились сомнения, и он заявил, что хочет вывести деньги. Галлямовы, по его словам, начали всячески откладывать вывод, до тех пор, пока ЦБ не включил “Гермес” в предупредительный список.

    Когда начались трудности, хотели через систему “Свифт” вывести, через “Тинькофф” — но это не получилось: “Начали они просить, чтобы никто из клиентов не возмущался, начали говорить о регистрации на криптобирже “Бинанс” для дальнейшего вывода денег. Также я там зарегистрировался, но тоже ничего не получилось”.

    После этого Шахмин написал заявление в полицию. Всплывшие в ходе судебного заседания три личных кабинета в “Лайф-из-Гуд” и переводы ему на карту объяснить не смог.

    Признанная потерпевшей Дорда была только клиентом “Гермеса”. Подсудимых не знает.

    “Узнала о компании в 2016 году при переезде из Москвы во Владимир. Рассказали консультанты Адрианова и Волюшко, которые занимались страхованием жизни. Рассказывали и о ПК “Бест Вей”, но мне это было неинтересно. Адрианова знала, что я продала квартиру и денежки у меня есть. Зная это, консультант целенаправленно решила затащить в компанию “Гермес”. И я стала очередной жертвой. Мне сказали, что Андрианова занималась гипнозом. Отношения дружеские были до 2021 года. Андрианова была вхожа в дом, знакома с мужем. Деньги передавала Андриановой. Было открыто три счета” — рассказала Дорда. Признанная потерпевшей утверждает, что деньги ни разу не снимала.

    Заявляет ущерб в более 700 тыс. рублей.

    Признанная следствием потерпевшей Шайхулина (допрошенная по ВКС с Самарой) — клиент компании “Гермес”. Из подсудимых знает Виктора Ивановича Василенко и Наливана.

    “Первый договор с “Гермесом” заключила в 2019 году, второй — в 2021 году. Внесла 1 тыс. евро. Договоры скачивала с кабинета, отдала наличными 70 тыс. руб. В личный кабинет сама заходить могла, но переводить не было возможности. Обещали плавающий процент от 20% в год. Второй счет открыла на 1 тыс. евро. Переводила частным лицам небольшие суммы. Деньги на счету появлялись согласно переводам. Без помощи консультанта Духнова выводить не получалось. “Гермес” свои обязательства исполнял, начисляли проценты, ажио брали. Я сама не вникала, но видела, что каждый месяц начисления были. В кабинет заходила раз в месяц. В последний раз в кабинет заходила накануне заявления в органы. Потом его заблокировали”, — говорит она.

    “С официальной претензией в “Гермес” обращалась, в поддержку писала. Ответили, что ведутся работы, скоро откроют. Актов сверки с “Гермесом” нет у меня, в гражданско-правовом порядке за возвратом денег не обращалась, ни с какими юристами не общалась. Наткнулась на канал в интернете — там был совет писать заявление в правоохранительные органы”, — добавляет она.

    Заявляет общую сумму ущерба в 2 430 430 руб.: “Я взяла кредит, плачу теперь проценты, поэтому эту сумму процентов хочу получить”. При этом в материалах уголовного дела фигурирует сумма в 1 650 000 руб. ущерба.

    Шайхуллина поясняет, что “забыла про 800 тыс., так как мне карту перевели 900 тыс. Духнов сказал: “Они у тебя будут лежать, давай обратно внесем”, и я внесла 850 тыс. где-то. Я только что вспомнила про 800 тыс.”.

  29. Italy’s working visas are notoriously hard to get. We spoke to Americans who managed it
    варочный котел кондитерский
    The Italian village offering $1 homes to Americans upset by the US election result was one of our top stories on CNN Travel this week.

    Like many other places in rural Italy (such as Sambuca in Sicily), the Sardinian village of Ollolai has an ongoing campaign to persuade outsiders to move there to revive the town’s fortunes. Focusing on the US election result is its latest strategy.

    Despite all the houses going on offer, working visas to Italy are still very limited. Professional musicians Zeneba Bowers and Matt Walker gave up their Tennessee home in 2019 and moved to a village north of Rome after securing super-rare self-employed visas. Here’s how they did it.

    California woman Chelsea Waite says it was “nothing less than a miracle” when she snagged the new digital nomad visa that launched in April 2024, although there have been few accounts of people getting hold of one. Here’s how it fell into place for the self-employed public relations professional.

    For well-heeled Americans who set their sights beyond Italy, the options are greater. Interest in citizenship-by-investment “golden visas” has soared since the election, according to consultants who help the wealthy migrate.
    Ham, cheese and bread
    Parma ham is one of Italy’s tastiest exports, but fans of the cured delicacy should prepare themselves for potential disappointment as a crisis threatens supplies and drives up prices.

    Over in the world of dairy, this year’s World Cheese Awards saw 4,786 cheeses from 47 countries assembled in the Portuguese city of Viseu to face judges’ scrutiny. The winning coagulated curd was a “voluptuous … match of protein and fat,” one juror said.

    Finally, in the disputed Kashmir region of India, bakers are producing breads that could rival France. The rich bread culture is a legacy of the Silk Road trade route that once passed through the region.

  30. Italy’s working visas are notoriously hard to get. We spoke to Americans who managed it
    производство варочных котлов
    The Italian village offering $1 homes to Americans upset by the US election result was one of our top stories on CNN Travel this week.

    Like many other places in rural Italy (such as Sambuca in Sicily), the Sardinian village of Ollolai has an ongoing campaign to persuade outsiders to move there to revive the town’s fortunes. Focusing on the US election result is its latest strategy.

    Despite all the houses going on offer, working visas to Italy are still very limited. Professional musicians Zeneba Bowers and Matt Walker gave up their Tennessee home in 2019 and moved to a village north of Rome after securing super-rare self-employed visas. Here’s how they did it.

    California woman Chelsea Waite says it was “nothing less than a miracle” when she snagged the new digital nomad visa that launched in April 2024, although there have been few accounts of people getting hold of one. Here’s how it fell into place for the self-employed public relations professional.

    For well-heeled Americans who set their sights beyond Italy, the options are greater. Interest in citizenship-by-investment “golden visas” has soared since the election, according to consultants who help the wealthy migrate.
    Ham, cheese and bread
    Parma ham is one of Italy’s tastiest exports, but fans of the cured delicacy should prepare themselves for potential disappointment as a crisis threatens supplies and drives up prices.

    Over in the world of dairy, this year’s World Cheese Awards saw 4,786 cheeses from 47 countries assembled in the Portuguese city of Viseu to face judges’ scrutiny. The winning coagulated curd was a “voluptuous … match of protein and fat,” one juror said.

    Finally, in the disputed Kashmir region of India, bakers are producing breads that could rival France. The rich bread culture is a legacy of the Silk Road trade route that once passed through the region.

  31. Italy’s working visas are notoriously hard to get. We spoke to Americans who managed it
    оборудование для кальянного табака
    The Italian village offering $1 homes to Americans upset by the US election result was one of our top stories on CNN Travel this week.

    Like many other places in rural Italy (such as Sambuca in Sicily), the Sardinian village of Ollolai has an ongoing campaign to persuade outsiders to move there to revive the town’s fortunes. Focusing on the US election result is its latest strategy.

    Despite all the houses going on offer, working visas to Italy are still very limited. Professional musicians Zeneba Bowers and Matt Walker gave up their Tennessee home in 2019 and moved to a village north of Rome after securing super-rare self-employed visas. Here’s how they did it.

    California woman Chelsea Waite says it was “nothing less than a miracle” when she snagged the new digital nomad visa that launched in April 2024, although there have been few accounts of people getting hold of one. Here’s how it fell into place for the self-employed public relations professional.

    For well-heeled Americans who set their sights beyond Italy, the options are greater. Interest in citizenship-by-investment “golden visas” has soared since the election, according to consultants who help the wealthy migrate.
    Ham, cheese and bread
    Parma ham is one of Italy’s tastiest exports, but fans of the cured delicacy should prepare themselves for potential disappointment as a crisis threatens supplies and drives up prices.

    Over in the world of dairy, this year’s World Cheese Awards saw 4,786 cheeses from 47 countries assembled in the Portuguese city of Viseu to face judges’ scrutiny. The winning coagulated curd was a “voluptuous … match of protein and fat,” one juror said.

    Finally, in the disputed Kashmir region of India, bakers are producing breads that could rival France. The rich bread culture is a legacy of the Silk Road trade route that once passed through the region.

  32. Малиновская – враг народа

    Судья по гражданским делам Приморского районного суда лишает денег и квартир ветеранов СВО – пайщиков «Бест Вей»

    18 ноября судья Приморского районного суда Анна Малиновская выпустила наконец мотивированное решение по рассмотрению иска Прокуратуры Санкт-Петербурга против кооператива «Бест Вей» о признании кооператива незаконным по статье 1065 ГК – об опасных для потенциальных потребителей предприятиях. После двух лет рассмотрения дела, что связано с сомнениями самой прокуратуры в своих исковых требованиях, было принято решение в пользу финальной версии иска прокуратуры.

    Незаконный суд

    Решение Малиновской абсолютно незаконное, как и иск прокуратуры.
    Во-первых, статья 1065 ГК предполагает доказанные случаи нанесения ущерба, но никаких доказанных случаев ущерба со стороны кооператива нет! Есть голословные утверждения нескольких лиц, прозвучавшие в ходе слушаний в уголовном суде – тот же самый Приморский районный суд рассматривает уголовное дело, связываемое с компаниями «Лайф-из-Гуд», «Гермес» и кооперативом «Бест Вей». Этих обвинений кооператива всего несколько – львиная доля претензий, звучащих в уголовном суде, касается компании «Гермес».

    Оценивать обвинения самостоятельно – в ходе собственного допроса обвинителей, Малиновская отказалась. Зато не моргнув глазом приложила к гражданскому делу предоставленную прокуратурой экспертизу из уголовного дела – которая также еще не была оценена судом. И она сама ее отказалась анализировать! Кстати, эта экспертиза тоже не доказывает ни ущерба, нанесенного гражданам, ни незаконности кооператива.

    Во-вторых, коррумпированная судья Малиновская рассмотрела дело, ей вообще неподсудное – подсудное арбитражному суду, так как в финальной версии иска исключительно прокуратура без физических лиц-соистцов взыскует только к юридическому лицу – кооперативу «Бест Вей» без физических лиц-соответчиков.

    Если на начальных этапах обсуждались какие-то требования физических лиц, то в финале ничего не осталось – таким образом, это подсудность арбитражного суда. Об этом говорили адвокаты кооператива, однако Малиновская отвергла требования передать рассмотрение иска в арбитражный суд.

    Судья Малиновская рассмотрела дело незаконно – что доказывает факт ее зависимости от бенефициаров атаки на кооператив «Бест Вей» и попытки захвата его активов.

    Липовые основания

    При этом Малиновская в обосновании решения сослалась на решение Арбитражного суда города Москвы об отказе кооперативу в иске к ЦБ РФ о признании незаконным включения в предупредительный список ЦБ – список для информирования потребителей финансовых услуг, включение в который является информационным событием и не влечет правовых последствий – о чем, кстати, говорится в решении арбитражного суда.

    Включение происходит (в теории) по решению неких экспертов Банка России, а на деле произошло осенью 2021 года по единоличному решению Валерия Ляха, тогдашнего главы ныне уже не существующего Департамента противодействия недобросовестным практикам ЦБ – на основании восьми срежиссированных обращений граждан, которые не являлись пайщиками кооператива.

    Именно Лях стоит за атакой на кооператив – сейчас он возглавляет так называемый общественно-государственный Фонд по защите прав вкладчиков и акционеров, который пытается прибрать к рукам активы кооператива на основании заказных решений о его незаконности.

    Судья против правосудия

    Малиновская лишила кооператив права защищать себя – отказалась запросить документы из уголовного дела для экспертизы, хотя для их получения ей нужно было зайти в кабинет в том же здании – к судье Екатерине Богдановой, рассматривающей уголовное дело. При этом Прокуратуре Санкт-Петербурга позволила представить документы из того же уголовного дела – прокуратура имеет к ним неограниченный доступ, поскольку поддерживает в нем государственное обвинение.

    Состязательность сторон? Нет, не слышали. При этом ни одно из доказательств, представленных прокуратурой, не содержит ни одного факта ущерба гражданам со стороны кооператива.

    Заказная судья не допустила к участию в суде пайщиков кооператива, хотя они имеют это право по закону – ведь решение по иску напрямую влияет на их интересы! Адвокатами были предоставлены сотни ходатайств об участии в процессе в качестве третьих лиц, но все они были отвергнуты преступницей Малиновской.

    Перечеркнула десятки судебных решений

    Малиновская «скопипастила» иск прокуратуры в свое решение без анализа и оценки – хотя в нем кооператив «Бест Вей» называется кредитным, а не потребительским, хотя он официально зарегистрирован как потребительский. Ничего не доказывалось – просто прокуратуре так захотелось: она заявила, что кооператив, по ее (некомпетентному) мнению, якобы предоставлял средства граждан на принципах срочности, возвратности, платности – то есть работал как кредитная организация. Никакая экспертиза этого мнения не проводилась, назначить судебную экономическую экспертизу Малиновская категорически отказалась.

    Кредитный характер деятельности – наглая прокурорская ложь. Кооператив содействовал в приобретении жилья для своих членов, в том числе помогал выбирать, проверять, оценивать объекты недвижимости, а не предоставлял займы для покупки квартир самими пайщиками.

    Квартиры приобретались вскладчину, в рассрочку, а не в кредит – средства, добавляемые кооперативом на приобретение, предоставлялись бесплатно, а не за процент. К средствам, которые уже имеются у пайщика – не менее 35% от стоимости желаемой квартиры, кооператив добавляет средства из своего паевого фонда, которые пайщик должен вернуть кооперативу без процентов не позднее, чем через 10 лет: большинство пайщиков возвращают деньги раньше.

    Кооператив никогда не заключал с пайщиками договоры займа: заключались договоры купли-продажи квартиры для пайщика в собственность кооператива и безвозмездного добавления ему средств на эту покупку из паевого фонда, которые он обязывался вернуть кооперативу по графику платежей или раньше. Только по возврату происходит переход квартиры из собственности кооператива в собственность пайщика. То есть кооперативом предоставляется квартира для проживания пайщику, а не деньги, как в случае кредитного кооператива.

    Кооператив полностью соответствовал статусу потребительского, а не кредитного – статусу, определенному в Законе о потребительской кооперации: добровольное объединение граждан на основе членства для удовлетворения потребностей в товарах и услугах. Все версии устава кооператива успешно регистрировались уполномоченными государственными органами, никогда не вызывали вопросов. Не было вопросов и у прокуратуры – с 2014 по 2021 год: внезапно они появились в 2022 году, когда уже вовсю начал реализовываться заказ преступников в погонах и без на уничтожение кооператива.

    Все договоры кооператива многократно проходили проверку в различных судах, поскольку в нем около 20 тыс. пайщиков, и с некоторыми из пайщиков возникали правовые споры. Ни один договоров кооператива не вызвал вопросов у судов. Более того, суды многократно решали в пользу кооператива вопрос о предоставлении материнского капитала – что свидетельствует об отсутствии сомнений в его статусе.

    Малиновская категорически отказалась считаться с решениями десятков других судей по гражданским делам – что еще раз подчеркивает ее ангажированность.

    Запрет по подозрению

    Самое главное: в решении Малиновской ничего не говорится о том, какой закон нарушен кооперативом. Косвенно указывается на то, что он может быть финансовой пирамидой, поскольку именно по признакам, которые могут свидетельствовать о пирамидальности кооператива, ЦБ внес «Бест Вей» в предупредительный список. Но напрямую кооператив финансовой пирамидой не называется: потому что сказать об этом (или не сказать) может только уголовный суд, а до завершения рассмотрения уголовного дела – минимум полгода, а скорее всего больше. И это только рассмотрение в первой инстанции – наверняка не в последней.

    На ходатайство адвокатов кооператива отложить рассмотрение гражданского дела до получения результатов разбирательства в уголовном суде Малиновская ответила отказом – понятно почему: ей и прокуратуре поставлена задача любой ценой «потопить» кооператив уже сейчас, чтобы можно было беспрепятственно воровать его активы. Потому она выпустила решение о том, что кооператив запрещается фактически по подозрению в том, что он может быть пирамидой.

    Судья-преступница

    Малиновская своим заведомо незаконным, заказным решением пытается лишить тысячи людей квартир и денег. В том числе квартир и денег будут лишены сотни ветеранов СВО – ведь кооператив создавался военными и во многом для военных. Прежде всего по их интересам наносится удар.

    Пайщики возмущены, подготовили тысячи заявлений в вышестоящий суд и правоохранительные органы, готовятся реализовать предусмотренное законом право на протест против необоснованных действий государственных органов.

    Малиновская – коррумпированная судья, компрометирующая всю судебную систему, извращающая правосудие, подрывающая доверие народа и армии к власти, к президенту. Ей должны срочно заняться вышестоящие суды, ФСБ, Следственный комитет.

    Потому что Малиновская – прислужница бандитов из псевдогосударственных фондов и участница преступлений против собственного народа!

  33. Denmark’s Victoria Kj?r Theilvig wins Miss Universe 2024
    порно групповое жесток

    Victoria Kj?r Theilvig of Denmark has been crowned Miss Universe 2024, becoming the first Dane to ever win the competition.

    The 21-year-old, a competitive dancer, entrepreneur, and aspiring lawyer, beat more than 120 other contestants to win the annual beauty pageant in Mexico City on Saturday night.

    She was applauded by other contestants on stage as she accepted the tiara from reigning titleholder Sheynnis Palacios of Nicaragua.

    This year’s finale featured a performance by singer Robin Thicke and was hosted by “Saved by the Bell” star Mario Lopez and former Miss Universe Olivia Culpo.

    The glitzy pageant began with contestants being narrowed down to a shortlist of 30, based on the results of Thursday’s preliminary event, which included a flamboyant national costume contest. The semi-finalists then paraded in swimwear, before 12 of them advanced to an evening gown contest.
    When later asked what she would say to those watching, Theilvig urged viewers to “keep fighting … no matter where you come from.”

    “I stand here today because I want a change, I want to make history, and that’s what I’m doing tonight,” she said.

    Chidimma Adetshina of Nigeria finished as first runner-up and Maria Fernanda Beltran of Mexico was named second runner-up. Suchata Chuangsri of Thailand and Ileana Marquez Pedroza of Venezuela followed – with Pedroza, a 28-year-old mother, making history in the top five after the competition removed several restrictions in recent years.

    This year marked the first time in Miss Universe’s 72-year history that women aged over 28 were permitted to enter. More than two dozen of the finalists were older than would have been allowed in previous years, with Malta’s Beatrice Njoya becoming the first and only woman in her 40s to reach the grand finale.

  34. They’ve sailed across Southeast Asia for centuries. Now, these sea nomads are being forced to live on land
    скупка autel
    Bilkuin Jimi Salih doesn’t remember how old he was when he learned to dive, only, that all the men in his family can do it.

    It might have been his grandfather who taught him, or his father, or even an uncle or cousin. He recalls swimming dozens of feet underwater among the reefs, collecting spider conches, abalone and sea cucumbers to sell at the local fish market.

    “One of our specialties is that, because we live on the sea and we’re always in the sea, we can dive in the water for a long time,” says Salih, via a translator. “We learn by observing, and from there, we develop our own technique.”

    To most people, Salih’s free diving skills are highly unusual; but not to his community. Salih is Bajau Laut, an indigenous seafaring group in Southeast Asia that has lived a semi-nomadic lifestyle on the ocean for centuries. Living on boats and fishing for income and sustenance, the Bajau Laut aren’t just reliant on the sea: they’re biologically adapted to it, with larger spleens that give them the ability to hold their breath for far longer than the average person.

    “We’re very comfortable in the water,” says Salih. The 20-year-old was born on board a lepa, a type of houseboat, on the shore of Omadal Island, off the coast of Semporna in Malaysian Borneo.

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  38. “Дело “Лайф-из-Гуд” — “Гермес” — “Бест Вей”: свидетель обвинения объявила себя потерпевшей от следствия
    Следственная группа ГСУ питерского главка МВД
    6 и 13 июня Приморский районный суд города Санкт-Петербурга, рассматривающий по существу уголовное дело № 1-504/24, связываемое с компаниями “Лайф-из-Гуд”, “Гермес” и кооперативом “Бест Вей”, провел очередные, шестое и седьмое по счету, заседания, посвященные допросу свидетелей обвинения и лиц, признанных следствием потерпевшими в рамках судебного следствия по делу
    На заседаниях были заслушаны показания граждан, как признанных потерпевшими, так и свидетелей обвинения. Показания приводятся по аудиозаписи, имеющейся в распоряжении редакции, и стенограмме, которую вела сторона защиты.

    Справка

    Предварительное расследование уголовного дела осуществлялось ГСУ ГУ МВД России по Санкт-Петербургу и Ленинградской области. На скамье подсудимых — десять граждан: Анна Высоцкая (за полгода до ареста уволилась из “Лайф-из-Гуд”, до августа 2021 года работала ивент-менеджером “Лайф-из-Гуд”, в СИЗО более двух лет), Александра Григорьева (директор одного из “технических” юрлиц “Лайф-из-Гуд”, в СИЗО более двух лет), Михаил Измайлов (предприниматель, в СИЗО более двух лет), Елена Соловьева (главный бухгалтер ООО “Эксперт”, в СИЗО более двух лет), Альмира Гильберт (неработающая, в СИЗО с 2023 года), Дмитрий Мазанов (предприниматель, в СИЗО с 2023 года), Анатолий Наливан (предприниматель и региональный уполномоченный кооператива, в СИЗО с 2023 года), Денис Шишко (предприниматель, в СИЗО с 2023 года), Дмитрий Выдрин (неработающий, под домашним арестом) и 83-летний отец Романа Василенко, основателя компании “Лайф-из-Гуд” и кооператива “Бест Вей”, Виктор Василенко (пенсионер, под запретом определенных действий). Начиная рассмотрение по существу, Приморский районный суд продлил всем подсудимым меры пресечения на полгода, что оспаривается адвокатами в вышестоящих судах.

    Всем подсудимым предъявлены обвинения как в мошенничестве (ч. 4 ст. 159 УК РФ) и создании финансовой пирамиды (ч. 2 ст. 172.2 УК РФ), так и в организации преступного сообщества (ч. 3 ст. 210 УК РФ). Их, а также гражданских ответчиков — прежде всего кооператив “Бест Вей” — защищают почти два десятка адвокатов.

    В уголовном деле 221 лицо, признанное следствием потерпевшим, предъявляющее претензии как к компании “Гермес”, так и к кооперативу “Бест Вей” (для сравнения: у компании “Гермес” не одна сотня тысяч клиентов в России, у кооператива “Бест Вей” — около 20 тыс. пайщиков). Общая сумма ущерба в уголовном деле — 282 млн рублей, при этом на счетах кооператива арестовано около 4 млрд рублей, примерно столько же арестовано на счетах частных лиц.

    “К кооперативу претензий не было, следователь предложил подать заявление”
    Признанный следствием потерпевший Болян подсудимых не знает. Был клиентом “Гермеса”, а также пайщиком кооператива — но до 2019 года. В 2019-м он вышел из кооператива и из “Гермеса”, ему были возвращены паевые взносы, и никаких претензий к кооперативу у него не было — что он письменно подтвердил, расторгая договоры с этими организациями.

    Однако, как Болян отметил на суде, следователь убедил его в том, что он — потерпевший и должен подать заявление на возврат членских взносов. Заявление в МВД писать не хотел, на него вышли сотрудники, сначала претензий к кооперативу не было. Полиция ему объяснила, что можно получить деньги.

    Стал клиентом “Гермеса” и пайщиком кооператива через своего консультанта Алексея Виноградова. Виноградов — грамотный маркетолог, он ему верил, тот не работал в кооперативе. Что было предметом договора в “Гермесе”, не помнит. В “Гермес” внес 100 и 700 евро, а в кооператив каждый месяц вносил по 12 тыс. в течение семи месяцев.

    Вышел и из кооператива, и из “Гермеса” в 2019 году. Зачем вступал? “Наверное, квартиру купить хотел”. Кооператив вернул ему 70 тыс. паевых взносов, “Гермес” вернул со счета “Виста” 140 тыс. рублей.

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  365. Thanks for your posting. One other thing is that if you are selling your property all on your own, one of the issues you need to be aware of upfront is just how to deal with household inspection records. As a FSBO owner, the key concerning successfully switching your property and also saving money with real estate agent commissions is knowledge. The more you are aware of, the easier your home sales effort will likely be. One area that this is particularly important is inspection reports.

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  369. Thanks for your write-up. One other thing is that if you are disposing your property yourself, one of the difficulties you need to be aware of upfront is just how to deal with household inspection reports. As a FSBO owner, the key about successfully switching your property and saving money upon real estate agent revenue is awareness. The more you recognize, the softer your property sales effort will likely be. One area exactly where this is particularly crucial is information about home inspections.

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  370. You really make it appear really easy with your presentation however I in finding this matter to be really something which I think I’d never understand. It kind of feels too complicated and very wide for me. I am taking a look forward for your subsequent publish, I will attempt to get the cling of it!

  371. Thanks for the new stuff you have unveiled in your writing. One thing I would like to discuss is that FSBO interactions are built eventually. By releasing yourself to the owners the first weekend break their FSBO is usually announced, prior to the masses begin calling on Monday, you make a good interconnection. By sending them equipment, educational resources, free reports, and forms, you become a strong ally. Through a personal interest in them and their circumstance, you build a solid relationship that, many times, pays off in the event the owners decide to go with a broker they know and also trust — preferably you.

  372. Thanks for your post. One other thing is that if you are marketing your property by yourself, one of the issues you need to be mindful of upfront is how to deal with property inspection accounts. As a FSBO vendor, the key to successfully moving your property in addition to saving money in real estate agent income is information. The more you understand, the smoother your sales effort are going to be. One area where this is particularly vital is reports.

  373. I have viewed that good real estate agents everywhere are starting to warm up to FSBO Advertising. They are realizing that it’s not just placing a poster in the front property. It’s really concerning building connections with these traders who at some time will become purchasers. So, whenever you give your time and efforts to encouraging these traders go it alone : the “Law associated with Reciprocity” kicks in. Great blog post.

  374. I have discovered that good real estate agents almost everywhere are starting to warm up to FSBO Advertising. They are noticing that it’s in addition to placing a sign in the front place. It’s really in relation to building interactions with these sellers who later will become consumers. So, when you give your time and energy to aiding these dealers go it alone — the “Law of Reciprocity” kicks in. Interesting blog post.

  375. Thanks for your posting. One other thing is that if you are marketing your property yourself, one of the issues you need to be aware about upfront is how to deal with property inspection reviews. As a FSBO home owner, the key towards successfully shifting your property as well as saving money on real estate agent commission rates is knowledge. The more you are aware of, the better your sales effort might be. One area where this is particularly critical is information about home inspections.

  376. I have noticed that over the course of developing a relationship with real estate entrepreneurs, you’ll be able to get them to understand that, in every single real estate exchange, a percentage is paid. In the end, FSBO sellers never “save” the commission payment. Rather, they try to win the commission by means of doing the agent’s occupation. In this, they invest their money plus time to execute, as best they will, the assignments of an agent. Those responsibilities include disclosing the home through marketing, representing the home to all buyers, developing a sense of buyer emergency in order to prompt an offer, booking home inspections, handling qualification check ups with the loan company, supervising maintenance tasks, and aiding the closing.

  377. Thanks for your write-up. One other thing is when you are advertising your property yourself, one of the problems you need to be aware about upfront is when to deal with property inspection records. As a FSBO owner, the key about successfully transferring your property in addition to saving money with real estate agent commissions is awareness. The more you realize, the better your home sales effort will likely be. One area in which this is particularly essential is home inspections.

  378. Thanks for your write-up. One other thing is when you are promoting your property alone, one of the concerns you need to be alert to upfront is when to deal with household inspection reports. As a FSBO seller, the key concerning successfully switching your property in addition to saving money with real estate agent income is awareness. The more you realize, the smoother your home sales effort will be. One area in which this is particularly important is information about home inspections.

  379. Thanks for the something totally new you have unveiled in your article. One thing I’d like to touch upon is that FSBO interactions are built after a while. By releasing yourself to the owners the first weekend break their FSBO will be announced, prior to the masses commence calling on Thursday, you create a good interconnection. By mailing them equipment, educational supplies, free records, and forms, you become a good ally. By using a personal fascination with them in addition to their situation, you create a solid interconnection that, on most occasions, pays off when the owners decide to go with a broker they know as well as trust — preferably you.

  380. Thanks for the a new challenge you have uncovered in your writing. One thing I’d like to touch upon is that FSBO connections are built with time. By launching yourself to owners the first weekend their FSBO is actually announced, prior to a masses get started calling on Wednesday, you create a good association. By giving them instruments, educational supplies, free records, and forms, you become a good ally. By subtracting a personal desire for them plus their scenario, you create a solid relationship that, on most occasions, pays off in the event the owners opt with an agent they know plus trust — preferably you actually.

  381. I have really learned result-oriented things from a blog post. Also a thing to I have seen is that in most cases, FSBO sellers may reject a person. Remember, they can prefer never to use your expert services. But if you maintain a gradual, professional relationship, offering aid and staying in contact for around four to five weeks, you will usually manage to win a discussion. From there, a house listing follows. Many thanks

  382. Thanks for the something totally new you have uncovered in your post. One thing I’d like to reply to is that FSBO associations are built after a while. By presenting yourself to owners the first saturday and sunday their FSBO will be announced, ahead of masses start out calling on Monday, you build a good connection. By giving them instruments, educational resources, free reports, and forms, you become a great ally. Through a personal fascination with them along with their scenario, you develop a solid relationship that, on many occasions, pays off if the owners decide to go with a representative they know as well as trust – preferably you actually.

  383. I have witnessed that clever real estate agents all around you are getting set to FSBO Promotion. They are seeing that it’s not only placing a poster in the front yard. It’s really about building associations with these traders who one of these days will become purchasers. So, if you give your time and effort to helping these sellers go it alone – the “Law involving Reciprocity” kicks in. Thanks for your blog post.

  384. Thanks for the new stuff you have disclosed in your blog post. One thing I want to reply to is that FSBO relationships are built with time. By introducing yourself to the owners the first weekend break their FSBO is actually announced, prior to masses get started calling on Wednesday, you create a good interconnection. By mailing them instruments, educational elements, free accounts, and forms, you become a great ally. By using a personal curiosity about them as well as their situation, you produce a solid link that, on most occasions, pays off as soon as the owners decide to go with a representative they know and also trust – preferably you actually.

    1. Appreciate you for sharing these kinds of wonderful articles. In addition, the right travel and medical insurance system can often eliminate those worries that come with visiting abroad. Some sort of medical crisis can before long become expensive and that’s guaranteed to quickly slam a financial impediment on the family finances. Putting in place the ideal travel insurance program prior to setting off is well worth the time and effort. Thanks

  385. I have observed that over the course of developing a relationship with real estate homeowners, you’ll be able to get them to understand that, in every single real estate deal, a fee is paid. In the end, FSBO sellers don’t “save” the commission payment. Rather, they struggle to earn the commission by simply doing a agent’s occupation. In completing this task, they commit their money along with time to conduct, as best they might, the tasks of an representative. Those tasks include displaying the home through marketing, delivering the home to prospective buyers, developing a sense of buyer emergency in order to make prompt an offer, making arrangement for home inspections, controlling qualification inspections with the loan provider, supervising repairs, and aiding the closing of the deal.

    1. Another thing I have really noticed is that for many people, below-average credit is the reaction of circumstances outside of their control. As an example they may be actually saddled by having an illness and as a consequence they have more bills going to collections. It could be due to a occupation loss and the inability to work. Sometimes divorce process can truly send the funds in a downward direction. Thank you for sharing your ideas on this website.

  386. Heya i am for the first time here. I found this board and I find It really useful & it helped me out much. I hope to give something back and help others like you helped me.

  387. I’ve learned new things through the blog post. One other thing I have discovered is that normally, FSBO sellers will certainly reject people. Remember, they would prefer not to use your providers. But if you actually maintain a reliable, professional relationship, offering guide and being in contact for around four to five weeks, you will usually be capable to win a business interview. From there, a house listing follows. Thank you

  388. I’m very happy to read this. This is the type of manual that needs to be given and not the random misinformation that is at the other blogs. Appreciate your sharing this greatest doc.

  389. I have learned some new things from your blog post. Yet another thing to I have noticed is that typically, FSBO sellers may reject an individual. Remember, they’d prefer to never use your products and services. But if you actually maintain a reliable, professional partnership, offering guide and keeping contact for four to five weeks, you will usually be capable of win an interview. From there, a house listing follows. Thanks

  390. Wonderful website. A lot of useful info here. I?m sending it to several pals ans additionally sharing in delicious. And certainly, thank you to your effort!

  391. Thanks for the new stuff you have exposed in your short article. One thing I would really like to discuss is that FSBO relationships are built after some time. By launching yourself to the owners the first few days their FSBO will be announced, prior to masses start out calling on Wednesday, you create a good connection. By giving them tools, educational resources, free records, and forms, you become the ally. Through a personal fascination with them as well as their predicament, you make a solid link that, most of the time, pays off when the owners decide to go with a realtor they know and trust — preferably you actually.

  392. This is hands down one of the finest articles I’ve read on this topic! The author’s comprehensive knowledge and zeal for the subject are apparent in every paragraph. I’m so grateful for finding this piece as it has enriched my comprehension and sparked my curiosity even further. Thank you, author, for taking the time to create such a remarkable article!

  393. I have witnessed that sensible real estate agents everywhere are warming up to FSBO Advertising and marketing. They are acknowledging that it’s more than just placing a sign post in the front yard. It’s really with regards to building associations with these suppliers who later will become customers. So, while you give your time and efforts to supporting these traders go it alone – the “Law associated with Reciprocity” kicks in. Good blog post.

  394. I have observed that over the course of creating a relationship with real estate homeowners, you’ll be able to come to understand that, in each and every real estate exchange, a percentage is paid. Ultimately, FSBO sellers tend not to “save” the commission rate. Rather, they struggle to earn the commission by way of doing an agent’s job. In accomplishing this, they invest their money in addition to time to complete, as best they can, the jobs of an adviser. Those assignments include uncovering the home by means of marketing, representing the home to buyers, building a sense of buyer emergency in order to trigger an offer, arranging home inspections, dealing with qualification check ups with the lender, supervising maintenance tasks, and assisting the closing.

    1. With the whole thing that seems to be developing throughout this specific area, your points of view are actually very radical. On the other hand, I am sorry, because I do not subscribe to your entire theory, all be it exciting none the less. It seems to everybody that your remarks are not entirely justified and in actuality you are your self not totally confident of the point. In any event I did appreciate reading through it.

  395. I have discovered that intelligent real estate agents everywhere you go are getting set to FSBO Marketing and advertising. They are knowing that it’s more than just placing a sign post in the front property. It’s really regarding building relationships with these retailers who one of these days will become consumers. So, whenever you give your time and efforts to helping these retailers go it alone – the “Law associated with Reciprocity” kicks in. Great blog post.

    1. Interesting blog post. What I would like to make contributions about is that laptop memory is required to be purchased when your computer cannot cope with that which you do along with it. One can install two good old ram boards having 1GB each, for example, but not certainly one of 1GB and one with 2GB. One should always check the manufacturer’s documentation for one’s PC to be certain what type of memory is required.

  396. I’ve learned some new things through the blog post. One other thing I have seen is that typically, FSBO sellers will certainly reject an individual. Remember, they might prefer never to use your providers. But if you maintain a reliable, professional relationship, offering help and staying in contact for four to five weeks, you will usually have the capacity to win a meeting. From there, a house listing follows. Thank you

  397. Thanks for your post. One other thing is when you are promoting your property alone, one of the difficulties you need to be mindful of upfront is just how to deal with house inspection reviews. As a FSBO supplier, the key concerning successfully switching your property plus saving money with real estate agent profits is know-how. The more you are aware of, the softer your property sales effort will probably be. One area when this is particularly vital is information about home inspections.

  398. Thanks for the something totally new you have disclosed in your post. One thing I want to reply to is that FSBO associations are built after some time. By bringing out yourself to owners the first end of the week their FSBO can be announced, prior to the masses start off calling on Mon, you make a good association. By sending them instruments, educational resources, free reports, and forms, you become a strong ally. By using a personal fascination with them as well as their problem, you generate a solid interconnection that, most of the time, pays off when the owners decide to go with a representative they know and also trust – preferably you actually.

  399. Thanks for the new things you have exposed in your article. One thing I’d really like to discuss is that FSBO interactions are built over time. By launching yourself to the owners the first saturday their FSBO is actually announced, before the masses commence calling on Thursday, you develop a good network. By mailing them instruments, educational elements, free reviews, and forms, you become the ally. By subtracting a personal fascination with them plus their circumstance, you develop a solid interconnection that, oftentimes, pays off in the event the owners decide to go with an adviser they know plus trust – preferably you.

  400. I’ve learned new things through your blog post. Also a thing to I have noticed is that generally, FSBO sellers will certainly reject anyone. Remember, they can prefer never to use your services. But if you actually maintain a comfortable, professional connection, offering guide and being in contact for about four to five weeks, you will usually be able to win a meeting. From there, a house listing follows. Thanks

  401. Thanks for your content. One other thing is when you are promoting your property by yourself, one of the troubles you need to be mindful of upfront is how to deal with home inspection accounts. As a FSBO vendor, the key to successfully shifting your property and saving money with real estate agent profits is know-how. The more you realize, the more stable your home sales effort might be. One area where this is particularly crucial is inspection reports.

  402. I have realized that over the course of making a relationship with real estate homeowners, you’ll be able to come to understand that, in most real estate purchase, a commission is paid. In the long run, FSBO sellers do not “save” the commission. Rather, they try to earn the commission by doing the agent’s work. In doing this, they invest their money and also time to complete, as best they might, the responsibilities of an adviser. Those tasks include disclosing the home by marketing, representing the home to prospective buyers, creating a sense of buyer emergency in order to induce an offer, scheduling home inspections, dealing with qualification investigations with the lender, supervising maintenance tasks, and assisting the closing.

  403. I have noticed that over the course of making a relationship with real estate owners, you’ll be able to get them to understand that, in each and every real estate deal, a commission rate is paid. In the end, FSBO sellers do not “save” the percentage. Rather, they fight to earn the commission simply by doing the agent’s occupation. In accomplishing this, they commit their money plus time to conduct, as best they can, the assignments of an representative. Those obligations include exposing the home by means of marketing, showing the home to willing buyers, making a sense of buyer urgency in order to induce an offer, making arrangement for home inspections, controlling qualification assessments with the loan provider, supervising maintenance tasks, and aiding the closing of the deal.

  404. Thanks for the new stuff you have unveiled in your blog post. One thing I’d prefer to reply to is that FSBO connections are built over time. By introducing yourself to owners the first weekend their FSBO is announced, ahead of the masses start out calling on Thursday, you develop a good network. By giving them equipment, educational components, free reviews, and forms, you become an ally. Through a personal desire for them plus their circumstances, you make a solid network that, on many occasions, pays off once the owners decide to go with a representative they know plus trust – preferably you actually.

  405. I have realized that over the course of building a relationship with real estate proprietors, you’ll be able to get them to understand that, in most real estate purchase, a commission is paid. In the end, FSBO sellers don’t “save” the fee. Rather, they try to win the commission simply by doing a good agent’s job. In doing this, they devote their money and time to conduct, as best they could, the jobs of an agent. Those tasks include exposing the home via marketing, representing the home to willing buyers, constructing a sense of buyer urgency in order to make prompt an offer, making arrangement for home inspections, dealing with qualification checks with the lender, supervising repairs, and aiding the closing.

  406. Have you ever thought about creating an ebook or guest authoring on other sites? I have a blog based on the same information you discuss and would really like to have you share some stories/information. I know my audience would appreciate your work. If you’re even remotely interested, feel free to shoot me an e mail.

  407. I’ve learned new things from a blog post. One other thing I have noticed is that in most cases, FSBO sellers will probably reject a person. Remember, they’d prefer to never use your companies. But if you actually maintain a reliable, professional connection, offering guide and keeping contact for about four to five weeks, you will usually be able to win a discussion. From there, a house listing follows. Cheers

  408. I have realized that over the course of constructing a relationship with real estate managers, you’ll be able to get them to understand that, in each and every real estate deal, a commission rate is paid. In the end, FSBO sellers don’t “save” the commission rate. Rather, they struggle to earn the commission by means of doing the agent’s occupation. In the process, they invest their money as well as time to conduct, as best they are able to, the obligations of an agent. Those responsibilities include uncovering the home via marketing, offering the home to prospective buyers, making a sense of buyer emergency in order to prompt an offer, arranging home inspections, dealing with qualification inspections with the bank, supervising fixes, and assisting the closing.

  409. Thanks for your posting. One other thing is when you are marketing your property all on your own, one of the concerns you need to be alert to upfront is how to deal with property inspection reviews. As a FSBO supplier, the key about successfully switching your property and saving money upon real estate agent income is knowledge. The more you already know, the simpler your sales effort will probably be. One area when this is particularly crucial is assessments.

  410. I have witnessed that wise real estate agents everywhere are warming up to FSBO Promoting. They are acknowledging that it’s not just placing a sign in the front area. It’s really about building interactions with these dealers who at some time will become purchasers. So, while you give your time and effort to aiding these traders go it alone : the “Law involving Reciprocity” kicks in. Good blog post.

  411. Thanks for the something totally new you have exposed in your article. One thing I’d like to reply to is that FSBO relationships are built after a while. By presenting yourself to the owners the first end of the week their FSBO is announced, before the masses start out calling on Mon, you generate a good connection. By giving them tools, educational components, free reports, and forms, you become the ally. Through a personal curiosity about them and their problem, you create a solid interconnection that, in many cases, pays off as soon as the owners decide to go with a real estate agent they know and also trust – preferably you.

  412. This is the suitable blog for anyone who wants to find out about this topic. You understand so much its virtually arduous to argue with you (not that I actually would need?HaHa). You undoubtedly put a new spin on a subject thats been written about for years. Nice stuff, just great!

  413. I have learned new things from the blog post. Yet another thing to I have discovered is that in many instances, FSBO sellers can reject you. Remember, they might prefer not to use your solutions. But if a person maintain a stable, professional romance, offering aid and being in contact for about four to five weeks, you will usually be capable of win an interview. From there, a listing follows. Many thanks

  414. I have learned new things out of your blog post. One other thing to I have found is that in most cases, FSBO sellers can reject you actually. Remember, they might prefer to never use your companies. But if an individual maintain a steady, professional connection, offering assistance and being in contact for about four to five weeks, you will usually be able to win a discussion. From there, a house listing follows. Cheers

    1. A lot of of what you state happens to be astonishingly appropriate and that makes me ponder the reason why I had not looked at this in this light previously. Your article truly did turn the light on for me personally as far as this specific subject matter goes. However at this time there is actually just one point I am not necessarily too comfy with so while I attempt to reconcile that with the actual central idea of the position, let me observe exactly what all the rest of your subscribers have to say.Very well done.

  415. I have realized that over the course of building a relationship with real estate proprietors, you’ll be able to come to understand that, in each and every real estate financial transaction, a commission rate is paid. In the end, FSBO sellers tend not to “save” the fee. Rather, they struggle to earn the commission by doing a agent’s job. In completing this task, they expend their money plus time to conduct, as best they might, the tasks of an agent. Those jobs include exposing the home through marketing, representing the home to buyers, developing a sense of buyer desperation in order to trigger an offer, arranging home inspections, controlling qualification investigations with the lender, supervising fixes, and aiding the closing.

  416. Thanks for the a new challenge you have exposed in your writing. One thing I would like to discuss is that FSBO relationships are built with time. By bringing out yourself to owners the first few days their FSBO is actually announced, prior to masses commence calling on Thursday, you make a good network. By mailing them equipment, educational products, free reviews, and forms, you become a great ally. By subtracting a personal interest in them in addition to their circumstance, you create a solid network that, on many occasions, pays off when the owners opt with an agent they know and trust — preferably you.

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  418. Thanks for enabling me to get new ideas about computers. I also hold the belief that one of the best ways to keep your notebook in best condition has been a hard plastic material case, as well as shell, which fits over the top of your computer. These kind of protective gear usually are model precise since they are made to fit perfectly within the natural housing. You can buy all of them directly from the seller, or from third party places if they are designed for your mobile computer, however only a few laptop could have a spend on the market. Once more, thanks for your points.

    1. Hi there would you mind stating which blog platform you’re using? I’m planning to start my own blog in the near future but I’m having a hard time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design and style seems different then most blogs and I’m looking for something unique. P.S Apologies for getting off-topic but I had to ask!

  419. You actually make it seem so easy with your presentation but I find this matter to be really something that I think I would never understand. It seems too complicated and very broad for me. I am looking forward for your next post, I will try to get the hang of it!

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  421. I have realized that over the course of constructing a relationship with real estate entrepreneurs, you’ll be able to come to understand that, in each and every real estate deal, a percentage is paid. Finally, FSBO sellers really don’t “save” the commission payment. Rather, they fight to win the commission by means of doing a great agent’s occupation. In doing so, they invest their money and time to carry out, as best they’re able to, the assignments of an realtor. Those assignments include revealing the home via marketing, showing the home to willing buyers, building a sense of buyer desperation in order to induce an offer, booking home inspections, dealing with qualification check ups with the financial institution, supervising maintenance, and aiding the closing.

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  425. Thanks for the new things you have revealed in your article. One thing I would like to comment on is that FSBO associations are built eventually. By bringing out yourself to owners the first saturday and sunday their FSBO will be announced, prior to a masses start out calling on Thursday, you produce a good interconnection. By mailing them equipment, educational components, free records, and forms, you become a great ally. By using a personal curiosity about them plus their situation, you make a solid connection that, on most occasions, pays off if the owners decide to go with a broker they know in addition to trust – preferably you actually.

  426. I’ve learned new things through your blog post. One other thing I have discovered is that usually, FSBO sellers will probably reject a person. Remember, they will prefer not to use your providers. But if you maintain a reliable, professional romance, offering aid and remaining in contact for around four to five weeks, you will usually have the ability to win interviews. From there, a listing follows. Thanks

  427. I have learned some new things out of your blog post. One other thing to I have noticed is that in most cases, FSBO sellers will certainly reject people. Remember, they would prefer never to use your companies. But if an individual maintain a gentle, professional romance, offering guide and being in contact for about four to five weeks, you will usually be able to win a meeting. From there, a listing follows. Many thanks

  428. I have learned some new things through your blog post. Also a thing to I have recognized is that generally, FSBO sellers may reject you. Remember, they might prefer to not use your products and services. But if you maintain a stable, professional romance, offering aid and remaining in contact for around four to five weeks, you will usually be capable of win an interview. From there, a listing follows. Many thanks

  429. I have been absent for some time, but now I remember why I used to love this site. Thanks , I will try and check back more often. How frequently you update your site?

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  431. Thanks for your article. One other thing is when you are advertising your property yourself, one of the problems you need to be aware about upfront is just how to deal with house inspection reports. As a FSBO seller, the key about successfully switching your property and saving money in real estate agent profits is know-how. The more you know, the smoother your home sales effort will be. One area where by this is particularly vital is inspection reports.

    1. In the awesome pattern of things you actually secure an A+ just for effort. Where you actually misplaced everybody ended up being in the details. As people say, the devil is in the details… And it couldn’t be much more accurate at this point. Having said that, permit me inform you just what did give good results. Your writing is definitely rather engaging which is possibly the reason why I am taking the effort to comment. I do not make it a regular habit of doing that. 2nd, although I can easily see the jumps in reasoning you make, I am not necessarily convinced of just how you seem to connect your points which make your conclusion. For now I will subscribe to your issue but wish in the future you actually connect the facts better.

  432. Thanks for your post. One other thing is when you are advertising your property on your own, one of the troubles you need to be aware of upfront is how to deal with household inspection accounts. As a FSBO seller, the key concerning successfully shifting your property along with saving money upon real estate agent revenue is understanding. The more you realize, the more stable your property sales effort might be. One area in which this is particularly significant is assessments.

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    1. Thanks for your posting. I would also love to say this that the very first thing you will need to complete is verify if you really need fixing credit. To do that you will need to get your hands on a copy of your credit history. That should not be difficult, because government necessitates that you are allowed to acquire one cost-free copy of your own credit report yearly. You just have to request the right folks. You can either find out from the website for your Federal Trade Commission or maybe contact one of the leading credit agencies directly.

  1461. Thanks for expressing your ideas here. The other matter is that any time a problem takes place with a laptop motherboard, persons should not take the risk connected with repairing that themselves for if it is not done correctly it can lead to irreparable damage to the full laptop. It is usually safe to approach the dealer of your laptop with the repair of motherboard. They have got technicians with an knowledge in dealing with pc motherboard challenges and can make right diagnosis and accomplish repairs.

  1462. Its like you read my mind! You appear to know a lot about this, like you wrote the book in it or something. I think that you could do with some pics to drive the message home a bit, but instead of that, this is wonderful blog. An excellent read. I’ll certainly be back.

  1463. This article is absolutely incredible! The author has done a tremendous job of delivering the information in an compelling and enlightening manner. I can’t thank her enough for offering such valuable insights that have undoubtedly enlightened my awareness in this topic. Kudos to her for producing such a gem!

  1464. Can I simply say what a aid to seek out somebody who actually knows what theyre speaking about on the internet. You definitely know learn how to carry a difficulty to mild and make it important. Extra people have to learn this and perceive this aspect of the story. I cant believe youre not more popular since you undoubtedly have the gift.

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  1469. Youre so cool! I dont suppose Ive learn something like this before. So nice to search out anyone with some unique ideas on this subject. realy thank you for beginning this up. this website is one thing that’s wanted on the web, someone with a little originality. useful job for bringing something new to the web!

  1470. Thanks for the suggestions you are discussing on this blog. Another thing I would really like to say is getting hold of copies of your credit history in order to check accuracy of the detail is one first measures you have to carry out in credit score improvement. You are looking to thoroughly clean your credit report from harmful details faults that screw up your credit score.

  1471. I’m really loving the theme/design of your web site. Do you ever run into any browser compatibility issues? A number of my blog audience have complained about my website not working correctly in Explorer but looks great in Chrome. Do you have any recommendations to help fix this issue?

    1. Hi there! This is my first visit to your blog! We are a team of volunteers and starting a new initiative in a community in the same niche. Your blog provided us useful information to work on. You have done a extraordinary job!

  1472. Magnificent beat ! I would like to apprentice while you amend your website, how can i subscribe for a blog site? The account aided me a acceptable deal. I had been tiny bit acquainted of this your broadcast provided bright clear idea

  1473. With havin so much content and articles do you ever run into any problems of plagorism or copyright infringement? My website has a lot of exclusive content I’ve either written myself or outsourced but it seems a lot of it is popping it up all over the internet without my authorization. Do you know any techniques to help prevent content from being ripped off? I’d definitely appreciate it.

    1. I would like to thank you for the efforts you have put in writing this website. I’m hoping the same high-grade website post from you in the upcoming as well. In fact your creative writing abilities has inspired me to get my own web site now. Really the blogging is spreading its wings rapidly. Your write up is a good example of it.

  1474. Have you ever considered about adding a little bit more than just your articles? I mean, what you say is important and all. But imagine if you added some great images or videos to give your posts more, “pop”! Your content is excellent but with pics and videos, this site could undeniably be one of the very best in its field. Very good blog!

  1475. What i do not understood is actually how you are not really much more well-liked than you might be now. You are very intelligent. You realize therefore considerably relating to this subject, made me personally consider it from a lot of varied angles. Its like women and men aren’t fascinated unless it?s one thing to do with Lady gaga! Your own stuffs great. Always maintain it up!

    1. This is hands down one of the greatest articles I’ve read on this topic! The author’s thorough knowledge and enthusiasm for the subject are evident in every paragraph. I’m so appreciative for stumbling upon this piece as it has enhanced my comprehension and sparked my curiosity even further. Thank you, author, for taking the time to craft such a phenomenal article!

  1476. Thanks for the tips you have contributed here. Furthermore, I believe there are some factors that really keep your insurance premium decrease. One is, to consider buying vehicles that are from the good listing of car insurance organizations. Cars which have been expensive are usually more at risk of being stolen. Aside from that insurance coverage is also in line with the value of the car, so the costlier it is, then higher a premium you have to pay.

  1477. I?ve been exploring for a bit for any high-quality articles or blog posts on this sort of area . Exploring in Yahoo I at last stumbled upon this website. Reading this info So i am happy to convey that I’ve an incredibly good uncanny feeling I discovered just what I needed. I most certainly will make certain to do not forget this website and give it a glance on a constant basis.

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  1480. Thanks for the thoughts you have shared here. Furthermore, I believe there are a few factors that really keep your automobile insurance premium straight down. One is, to take into account buying cars and trucks that are within the good set of car insurance businesses. Cars which have been expensive tend to be more at risk of being snatched. Aside from that insurance policies are also based on the value of your truck, so the higher in price it is, then the higher the particular premium you only pay.

  1481. Thank you for this article. I will also like to state that it can be hard while you are in school and simply starting out to create a long credit history. There are many college students who are only trying to pull through and have a lengthy or good credit history can sometimes be a difficult element to have.

  1482. Hello! I know this is somewhat off topic but I was wondering which blog platform are you using for this site? I’m getting tired of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform. I would be great if you could point me in the direction of a good platform.

  1483. Hi there, I discovered your website by way of Google whilst searching for a related subject, your website got here up, it seems to be good. I’ve bookmarked it in my google bookmarks.

  1484. One more important area is that if you are an elderly person, travel insurance with regard to pensioners is something you must really contemplate. The elderly you are, the harder at risk you will be for having something poor happen to you while in foreign countries. If you are certainly not covered by many comprehensive insurance, you could have a few serious issues. Thanks for expressing your ideas on this blog site.

  1485. Pretty section of content. I just stumbled upon your web site and in accession capital to assert that I acquire actually enjoyed account your blog posts. Anyway I?ll be subscribing to your augment and even I achievement you access consistently quickly.

  1486. I do love the way you have presented this particular concern and it does indeed offer us some fodder for consideration. Nevertheless, coming from what precisely I have personally seen, I simply wish when the actual remarks pile on that individuals continue to be on point and don’t start upon a soap box involving the news of the day. Still, thank you for this excellent piece and even though I do not necessarily concur with it in totality, I respect your viewpoint.

    1. Howdy! I know this is kinda off topic but I was wondering if you knew where I could get a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!

  1487. One other issue issue is that video games can be serious in nature with the principal focus on learning rather than enjoyment. Although, it has an entertainment factor to keep your kids engaged, just about every game is frequently designed to focus on a specific expertise or area, such as instructional math or science. Thanks for your posting.

  1488. I just could not depart your site prior to suggesting that I extremely enjoyed the standard information a person provide for your visitors? Is going to be back often in order to check up on new posts

  1489. Thanks for your post. One other thing is when you are marketing your property by yourself, one of the concerns you need to be alert to upfront is just how to deal with home inspection reports. As a FSBO retailer, the key concerning successfully moving your property along with saving money in real estate agent commissions is knowledge. The more you already know, the smoother your home sales effort will probably be. One area that this is particularly crucial is assessments.

  1490. I have noticed that over the course of developing a relationship with real estate proprietors, you’ll be able to come to understand that, in each and every real estate exchange, a percentage is paid. Eventually, FSBO sellers do not “save” the percentage. Rather, they fight to win the commission by simply doing an agent’s work. In completing this task, they shell out their money plus time to complete, as best they are able to, the jobs of an realtor. Those duties include getting known the home by means of marketing, offering the home to buyers, constructing a sense of buyer desperation in order to induce an offer, booking home inspections, dealing with qualification check ups with the loan company, supervising maintenance tasks, and assisting the closing.

  1491. One thing I would like to say is always that car insurance cancellation is a terrifying experience and if you’re doing the correct things being a driver you will not get one. Lots of people do obtain notice that they have been officially dumped by their own insurance company and many have to scramble to get extra insurance after a cancellation. Affordable auto insurance rates are generally hard to get after a cancellation. Knowing the main reasons for auto insurance canceling can help motorists prevent sacrificing one of the most critical privileges out there. Thanks for the concepts shared by means of your blog.

  1492. I have discovered some important matters through your blog post post. One other subject I would like to state is that there are several games on the market designed especially for toddler age youngsters. They incorporate pattern recognition, colors, animals, and styles. These commonly focus on familiarization in lieu of memorization. This keeps little children engaged without having the experience like they are learning. Thanks

  1493. Unquestionably consider that that you said. Your favorite justification appeared to be on the internet the easiest thing to take note of. I say to you, I certainly get irked whilst people think about worries that they plainly don’t realize about. You managed to hit the nail upon the highest and also defined out the entire thing without having side-effects , other people could take a signal. Will likely be again to get more. Thanks

  1494. You really make it seem so easy with your presentation but I find this topic to be really something which I think I would never understand. It seems too complex and very broad for me. I’m looking forward for your next post, I?ll try to get the hang of it!

  1495. Today, considering the fast lifestyle that everyone is having, credit cards get this amazing demand throughout the economy. Persons out of every area are using the credit card and people who are not using the credit card have made arrangements to apply for even one. Thanks for giving your ideas in credit cards.

  1496. Can I simply say what a reduction to search out someone who actually knows what theyre talking about on the internet. You positively know find out how to carry a problem to gentle and make it important. More people must read this and perceive this aspect of the story. I cant believe youre not more standard since you definitely have the gift.

  1497. Thanks for your write-up on this weblog. From my personal experience, occasionally softening right up a photograph might provide the photography with a dose of an imaginative flare. Sometimes however, this soft cloud isn’t precisely what you had in mind and can often times spoil a normally good photograph, especially if you intend on enlarging the item.

    1. Can I just say what a relief to seek out someone who really is aware of what theyre talking about on the internet. You undoubtedly know the best way to carry an issue to mild and make it important. Extra people must learn this and understand this side of the story. I cant imagine youre no more fashionable since you undoubtedly have the gift.

  1498. Thanks for this wonderful article. Yet another thing to mention is that most digital cameras are available equipped with any zoom lens that allows more or less of the scene to be included through ‘zooming’ in and out. These kinds of changes in {focus|focusing|concentration|target|the a**** length are usually reflected from the viewfinder and on big display screen on the back of your camera.

  1499. Thanks for your publication. I would like to remark that the first thing you will need to conduct is to see if you really need credit improvement. To do that you need to get your hands on a duplicate of your credit profile. That should not be difficult, considering that the government makes it necessary that you are allowed to receive one free copy of your actual credit report on a yearly basis. You just have to check with the right individuals. You can either browse the website for your Federal Trade Commission or perhaps contact one of the main credit agencies instantly.

  1500. Its like you read my mind! You seem to grasp so much approximately this, such as you wrote the book in it or something. I believe that you could do with a few to drive the message house a bit, however other than that, this is great blog. An excellent read. I’ll certainly be back.

  1501. Thanks for revealing your ideas. One thing is that students have an alternative between government student loan plus a private education loan where it is easier to go for student loan debt consolidation reduction than over the federal education loan.

  1502. Someone essentially help to make seriously articles I would state. This is the very first time I frequented your website page and thus far? I amazed with the research you made to make this particular publish amazing. Wonderful job!

  1503. I have acquired some new points from your internet site about pcs. Another thing I’ve always assumed is that laptop computers have become a product that each house must have for most reasons. They supply you with convenient ways in which to organize homes, pay bills, go shopping, study, focus on music and in many cases watch television shows. An innovative method to complete most of these tasks is by using a laptop computer. These computers are mobile ones, small, strong and easily transportable.

  1504. You actually make it seem so easy with your presentation but I find this topic to be actually something that I think I would never understand. It seems too complex and very broad for me. I am looking forward for your next post, I?ll try to get the hang of it!

  1505. I’ve come across that now, more and more people are attracted to cams and the field of photography. However, being a photographer, you need to first spend so much time period deciding the exact model of digital camera to buy along with moving via store to store just so you could potentially buy the most economical camera of the trademark you have decided to choose. But it does not end right now there. You also have to consider whether you can purchase a digital dslr camera extended warranty. Thx for the good suggestions I obtained from your blog.

  1506. What i do not realize is actually how you’re not actually a lot more smartly-preferred than you might be now. You are very intelligent. You understand thus considerably in relation to this subject, produced me in my opinion believe it from so many varied angles. Its like men and women don’t seem to be fascinated except it is something to do with Girl gaga! Your own stuffs excellent. All the time take care of it up!

  1507. I have learned some essential things through your website post. One other point I would like to express is that there are many games that you can buy which are designed mainly for preschool age small children. They include pattern acknowledgement, colors, dogs, and models. These normally focus on familiarization instead of memorization. This makes little ones engaged without sensing like they are learning. Thanks

  1508. There are actually a number of particulars like that to take into consideration. That could be a nice level to carry up. I offer the ideas above as basic inspiration however clearly there are questions just like the one you deliver up where an important factor can be working in honest good faith. I don?t know if best practices have emerged around things like that, however I am certain that your job is clearly recognized as a fair game. Each girls and boys feel the impact of only a second?s pleasure, for the rest of their lives.

  1509. Great beat ! I would like to apprentice while you amend your web site, how could i subscribe for a weblog web site? The account aided me a appropriate deal. I have been tiny bit familiar of this your broadcast provided shiny transparent concept

  1510. Thanks for your beneficial post. In recent times, I have come to be able to understand that the particular symptoms of mesothelioma are caused by the particular build up associated fluid between the lining on the lung and the upper body cavity. The condition may start from the chest region and get distributed to other parts of the body. Other symptoms of pleural mesothelioma include fat reduction, severe inhaling and exhaling trouble, temperature, difficulty taking in food, and swelling of the face and neck areas. It must be noted that some people having the disease do not experience virtually any serious indications at all.

  1511. Thanks for the helpful posting. It is also my opinion that mesothelioma has an really long latency time period, which means that indication of the disease might not exactly emerge right until 30 to 50 years after the preliminary exposure to mesothelioma. Pleural mesothelioma, which can be the most common type and is affecting the area within the lungs, might cause shortness of breath, chest pains, including a persistent coughing, which may result in coughing up our blood.

  1512. I do believe all the concepts you’ve offered on your post. They are very convincing and will certainly work. Nonetheless, the posts are very quick for newbies. Could you please prolong them a bit from subsequent time? Thanks for the post.

  1513. Thank you for the sensible critique. Me and my neighbor were just preparing to do a little research on this. We got a grab a book from our local library but I think I learned more from this post. I’m very glad to see such fantastic information being shared freely out there.

  1514. I know of the fact that currently, more and more people are attracted to surveillance cameras and the discipline of taking pictures. However, being a photographer, you have to first devote so much of your time deciding the model of dslr camera to buy along with moving store to store just so you might buy the most inexpensive camera of the trademark you have decided to pick. But it does not end generally there. You also have to contemplate whether you should obtain a digital photographic camera extended warranty. Thanks alot : ) for the good guidelines I obtained from your weblog.

  1515. Thanks for your publication. I also think that laptop computers have become more and more popular these days, and now tend to be the only form of computer found in a household. The reason being at the same time potentially they are becoming more and more very affordable, their processing power is growing to the point where they’re as potent as personal computers out of just a few years ago.

  1516. A person essentially help to make seriously articles I would state. This is the very first time I frequented your website page and thus far? I surprised with the research you made to make this particular publish incredible. Magnificent job!

  1517. I have taken note that of all varieties of insurance, medical insurance is the most questionable because of the discord between the insurance cover company’s obligation to remain making money and the buyer’s need to have insurance policy. Insurance companies’ commission rates on health and fitness plans are very low, hence some companies struggle to generate income. Thanks for the ideas you talk about through this site.

  1518. One thing is the fact one of the most prevalent incentives for utilizing your card is a cash-back or even rebate provision. Generally, you’re going to get 1-5 back upon various expenditures. Depending on the credit cards, you may get 1 again on most buying, and 5 back again on expenditures made at convenience stores, filling stations, grocery stores and also ‘member merchants’.

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  1523. excellent points altogether, you simply won a new reader. What may you recommend in regards to your submit that you simply made some days in the past? Any sure?

  1524. I?m impressed, I must say. Actually not often do I encounter a blog that?s both educative and entertaining, and let me tell you, you’ve gotten hit the nail on the head. Your concept is excellent; the difficulty is one thing that not sufficient individuals are talking intelligently about. I am very pleased that I stumbled across this in my search for something relating to this.

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    1. Thanks for your fascinating article. One other problem is that mesothelioma cancer is generally a result of the breathing of material from asbestos, which is a very toxic material. It can be commonly seen among workers in the construction industry who definitely have long contact with asbestos. It is also caused by moving into asbestos protected buildings for some time of time, Inherited genes plays a crucial role, and some people are more vulnerable to the risk as compared with others.

  1526. Another thing is that when evaluating a good internet electronics store, look for web shops that are consistently updated, trying to keep up-to-date with the most current products, the most beneficial deals, and helpful information on services. This will make certain you are doing business with a shop that really stays ahead of the competition and gives you things to make intelligent, well-informed electronics buys. Thanks for the crucial tips I have learned from your blog.

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    1. Unquestionably believe that which you said. Your favorite justification appeared to be on the internet the simplest thing to be aware of. I say to you, I definitely get irked while people consider worries that they just do not know about. You managed to hit the nail upon the top and defined out the whole thing without having side-effects , people could take a signal. Will likely be back to get more. Thanks

  1530. Good blog! I really love how it is simple on my eyes and the data are well written. I am wondering how I could be notified when a new post has been made. I have subscribed to your RSS feed which must do the trick! Have a nice day!

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  1532. It’s my opinion that a home foreclosure can have a major effect on the debtor’s life. Property foreclosures can have a Several to 10 years negative relation to a debtor’s credit report. A new borrower who have applied for a home loan or any kind of loans for that matter, knows that a worse credit rating is usually, the more hard it is to acquire a decent mortgage. In addition, it may affect a borrower’s power to find a decent place to let or hire, if that gets to be the alternative homes solution. Good blog post.

  1533. I have observed that of all kinds of insurance, health insurance coverage is the most questionable because of the issue between the insurance company’s duty to remain afloat and the buyer’s need to have insurance plan. Insurance companies’ profits on overall health plans have become low, hence some businesses struggle to earn profits. Thanks for the tips you write about through this site.

  1534. Thanks for your handy post. In recent times, I have been able to understand that the actual symptoms of mesothelioma cancer are caused by this build up connected fluid relating to the lining of your lung and the breasts cavity. The ailment may start from the chest area and multiply to other parts of the body. Other symptoms of pleural mesothelioma include weight loss, severe inhaling and exhaling trouble, throwing up, difficulty eating, and irritation of the neck and face areas. It needs to be noted that some people existing with the disease will not experience almost any serious signs at all.

  1535. Along with everything that appears to be building within this subject matter, a significant percentage of points of view tend to be fairly radical. Having said that, I appologize, but I can not subscribe to your whole theory, all be it radical none the less. It seems to everyone that your commentary are generally not completely validated and in reality you are yourself not even completely confident of your assertion. In any case I did enjoy reading it.

  1536. I have seen that costs for internet degree pros tend to be a great value. Like a full College Degree in Communication from The University of Phoenix Online consists of 60 credits from $515/credit or $30,900. Also American Intercontinental University Online provides a Bachelors of Business Administration with a full course feature of 180 units and a cost of $30,560. Online degree learning has made getting the higher education degree so much easier because you can earn your degree in the comfort of your abode and when you finish from office. Thanks for other tips I have learned from your site.

  1537. I have been exploring for a little bit for any high quality articles or blog posts on this kind of area . Exploring in Yahoo I at last stumbled upon this website. Reading this info So i am happy to convey that I’ve a very good uncanny feeling I discovered exactly what I needed. I most certainly will make sure to do not forget this website and give it a look on a constant basis.

  1538. I have been exploring for a bit for any high-quality articles or weblog posts in this kind of area . Exploring in Yahoo I ultimately stumbled upon this website. Reading this information So i?m satisfied to convey that I’ve an incredibly good uncanny feeling I came upon exactly what I needed. I so much certainly will make certain to don?t forget this site and provides it a glance regularly.

  1539. Thanks for sharing your ideas. I’d also like to express that video games have been ever before evolving. Better technology and innovative developments have helped create reasonable and interactive games. All these entertainment video games were not really sensible when the concept was first of all being experimented with. Just like other styles of technological know-how, video games as well have had to develop via many many years. This is testimony towards fast progression of video games.

  1540. Its like you read my mind! You appear to know so much about this, like you wrote the book in it or something. I think that you could do with some pics to drive the message home a bit, but instead of that, this is excellent blog. A fantastic read. I will certainly be back.

    1. hello there and thank you to your info ? I have certainly picked up something new from proper here. I did however experience some technical issues the usage of this website, since I skilled to reload the website many instances prior to I may just get it to load correctly. I had been wondering if your web host is OK? Now not that I’m complaining, however sluggish loading cases times will often affect your placement in google and could injury your quality rating if advertising and ***********|advertising|advertising|advertising and *********** with Adwords. Well I?m including this RSS to my e-mail and can look out for a lot extra of your respective intriguing content. Ensure that you update this once more very soon..

  1541. Thanks for the ideas you discuss through this web site. In addition, several young women who become pregnant do not even make an effort to get health insurance because they worry they won’t qualify. Although a lot of states today require that insurers give coverage despite the pre-existing conditions. Fees on these kind of guaranteed plans are usually greater, but when thinking about the high cost of medical treatment it may be a new safer approach to take to protect your financial potential.

  1542. I will right away clutch your rss feed as I can not in finding your e-mail subscription link or newsletter service. Do you have any? Please allow me recognize in order that I may just subscribe. Thanks.

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  1544. You could definitely see your skills in the work you write. The world hopes for even more passionate writers like you who are not afraid to say how they believe. Always go after your heart.

  1545. I have observed that in the world today, video games will be the latest craze with kids of all ages. Occasionally it may be impossible to drag young kids away from the games. If you want the very best of both worlds, there are plenty of educational games for kids. Interesting post.

  1546. Normally I don’t read article on blogs, but I would like to say that this write-up very forced me to try and do it! Your writing style has been amazed me. Thanks, very nice article.

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    1. Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why throw away your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?

  1549. I have really noticed that credit restoration activity really needs to be conducted with techniques. If not, you might find yourself causing harm to your ranking. In order to reach your goals in fixing your credit history you have to make sure that from this time you pay any monthly expenses promptly in advance of their scheduled date. Really it is significant given that by certainly not accomplishing this, all other steps that you will decide to use to improve your credit rating will not be helpful. Thanks for expressing your ideas.

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