As long as you meet these similarities in the foreground. You are happy one that found your soul mate. "Wait, this is still going smoothly: this is how married, both directly and the difference between you will "- may grudgingly-moralizing notice any wiser (consisting of two or three failed marriages), a venerable matron. However, not all that she and wrong: in fact, it began live together, you notice that between you, with all the similarities and differences have hobbies. And the right would be if they lay in the fact that he loves football, and you – the Latin American soap operas.

But no: you find him with a dozen unpleasant From your point of view, habits, and their number is steadily increasing. Already this awareness of the difference in a moment you descend from heaven to earth, but it is not limited to: the family – it's not just living together, it is also a distribution responsibilities. And so on this occasion or, if to speak frankly, over the division of power in the family every now and then break out small conflicts. If you have already gone through this stage of family life can be, for them to remember funny, but Meanwhile, they at one time seen as the most serious problem. Who will distribute the finances? Wash the dishes? Whose obligation to make a bin? If he could invite us to his friends, whom I detest? and in general, whether it be friends with them? Here they are – the first family and everyday conflicts. In general we can say that they are reduced to two points: lapped nature and distribution of responsibilities.

Lapping characters was inevitable, because we are all very different. True, it should be noted that each couple is lapping it differently: someone almost smooth, but someone very painful, with a demonstrated unwillingness to talk, slamming doors, leaving from home or smashing crockery. Why is that? Again, with our characters, and also with the motives for marriage. Someone is more tolerant to faults partner, and some do not. Someone got married or, respectively, married for love, but someone in a greater degree of convenience, rather than on a deep feeling. Someone is ready for a serious relationship, while others had not yet grown. But while we say this: wise woman who accepts and loves a man as he is; unreasonable that which convinced him that he could alter it.

A translation service in Prague and the Czech Republic are full of many publications, but there is no company to provide translation services, which along with the judicial certification provides free services in Prague on legal conclusion of the examination and correctness of documents. Many foreign citizens to forget that not only the availability of certified Czech translation, but also affect the accuracy of the document for consideration document and the decision on the issue, attached to a document. Our most popular services required for a foreigner in the Czech Republic: the formulation of a residence permit in the Czech Republic – Rentals require translation of documents. registration mortgage in the Czech Republic requires translation of documents. registration of real estate in the Czech Republic requires the translation of documents.

conclusion of international treaties require translation of documents. visa to the Czech Republic requires translation of documents. visa extension in the Czech Republic requires paperwork. nostrification diploma requires the translation of documents. clearance of Czech citizenship requires translation of documents. permanent residence registration in the Czech Republic requires translation of documents.

drawing power of attorney forms to the other requires the translation of documents. insurance for foreigners in the Czech Republic requires the translation of documents. Immigration to the Czech Republic requires translation of documents. package of documents for submission to the Embassy of the Czech Republic requires translation of documents in a notary in the Czech Republic require translation of documents. lawyer in the Czech Republic require translation of documents. Making a bank account requires the translation of documents. court investigation and treatment in the Czech police requires translation of documents. legal services in the Czech Republic require translation of documents. And this is not a complete list of services required by the Czech Republic for foreign nationals who are granted a Prague. Interpreting the Russian-speaking translator in Prague is very popular profession and position. The reason is simple, the treatment of an alien in any public or commercial structure of the Czech Republic requires treatment in the Czech language. But doubly important part in the application procedure or negotiation of an interpreter with knowledge of the Czech legislation. Translated into Czech and skillful use of the laws of the Czech Republic increase the chances of addressing the issues and eliminate fraud client when performing any task. Legal Russian-speaking interpreter is a basic tool that allows you to prepare documents, negotiate, enter into a contract, to defend the rights of the client in court or other organization of the Czech Republic.

Certification – a process of conformity assessment of products or services, regulatory requirements. In most cases we are talking about the requirements for quality and safety. Certification takes its origin in ancient Greece. It was from there we know the first case of certification – certification of building columns made of bronze (standards were first introduced). Certification is divided into obligatory and voluntary.

In principle, the difference inherent in the title. Mandatory certification involves testing of safety requirements, and voluntary certification – requirements for quality (usually). In fact, a bit more complicated. In Russia there are more than 130 certification systems. Among them are voluntary and mandatory, and mixed. But faced with the need to get as many certificates to one type of product is impossible. Of all the certification schemes should be allocated gost R fire certification, certification of conformity, hygienic certification and others.

The process of obtaining a certificate is almost the same in all systems of certification. It all begins with the filing by the applicant (customer certification process). Typically, the certification process is preceded by consultation with expert certification, as few manufacturers able to immediately determine the certification scheme, for which he needs to get certificate. After filing the certification body makes a decision on the application. That's it (along with internal purchase orders) is the basis for certification testing. Depending on the certification scheme assessment of production and by sampling. The samples are sent to the testing laboratory, which establishes the compliance requirements of the samples. According to the results of laboratory tests prepares a test report. Based on the test and the act of production expert evaluation of the certification authority shall decide on issuing the certificate (or a reasoned refusal). It is very important to understand that the issuance of motivated refusal to grant a certificate of previous work which were not different from the amount of work done by the successful issuance of the certificate. Thus, the manufacturer may pay the cost of certification, but did not receive a certificate. In this case, you should not submit the certification authority claims like 'well, we will pay you money! where our certificate? " It is also worth to note that there are now more Declaration of Conformity (instead of certificates). In the case of the declaration of the applicant itself provides proof of product compliance. However, a declaration can only be obtained by determining the list products.

If you add up the client base of all Russian banks that will roughly the same picture. Most banks persistence supplement client base who visited every visitor. In fact, 'voluntary' banking services (excluding utility payments, payroll, etc.) use only about 42% of the population, and Regular customers of the banks are not more than 20% of the population. It is important to carefully consider the intensity of consumption in different segments, that is to sort out who should be considered as regular customers, and who enjoys financial services sporadically. In the absence of this information it is impossible to calculate the index of 'customer lifetime value', ie the amount of profit generated by the client throughout his life. In turn, this Information is the basis for a communication strategy of pressure on the segments. In other words, the strategic value of the bank's major disloyal customer may be much lower than the value of a small but loyal customers. How can this be expressed in numbers? Short comparative example.

In Russia, there are 1.2 million families with an income of $ 2000-5000 per person per month. Aggregate annual income of this group exceeds $ 140 billion, an annual savings – $ 20 billion. Meanwhile, a group with an income of $ 20000-80000 per person per month, consisting of 90,000 households, saving a total of $ 18 billion. Thus, the theoretical potential volume placed in the bank savings in these two groups is comparable, but their number varies on the order.

Customer loyalty in the financial market should probably start with one particular observation of customer service one of the capital of commercial banks made by the author in the process of relationship with him. The history of these relationship dates back several years, during which the author was 'diligent' borrowers, consistently concluding 5 credit agreements for the purchase of three vehicles and construction of a country house. Total loans exceeded $ 500,000, and the credit history was impeccable in terms of contractual terms. It would seem that such client – a sample of loyalty and reliability as an example of a client basis kernel bank, and a relationship with him should be permanently maintained and developed. After all, nothing is clouded relations client and the bank that nothing harmed loyalty. And loyalty would not be a limit, whether the bank a little more attentive and sagacious. It so happened that the client was owner and manager of business a year earlier to explore the bank.

Accordingly, his company has serviced and maintained in a different, less convenient, but the usual bank, where the accumulated reputation and showed turnover. And when it is time to apply for a loan for business development, client stated this intention in both familiar bank. It is clear that the company faster and easier to get funding in the bank, which was familiar. A bank watching impeccable credit reputation of the borrower's half a million dollars, so buried in rules and procedures that did not see into loyal customers and his company the same flawless face.