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All listed above transformation were made within the limits of the concept

The personal income, accepted by Goskomstat. However it is necessary to estimate still influence

On norm of savings of several additional factors out of these frameworks. One

From such factors are delays of payment of wages. They represent Itself a certain form of compulsory savings, the original credit

To the enterprises and the state. At an estimation of the personal income on a balance method,

The debts gain under the salary should increase to savings and, Hence, to the income, and debts repayment - to be taken away.

And savings it is possible to consider as one more type of income the made incomes from

Currency course changes. Because the exchange rate of the majority of the firm

Currencies grows, rouble value of savings in cash currency increases. As the currency bought one year ago can be sold today on it to the price,

It is necessary to consider this difference as the income similar to the percentage income and

To add it to savings. At the general insignificance of these two kinds Savings it is possible to allocate some periods when the neglect them could

Will deform an overall picture. Delays with the salary were appreciable in 1994 and in 1996

Years, and incomes of exchange rate change - in the beginning of 1995

Recently in publications of the Central Bank has appeared two more New indicator connected with population savings. It is volume of credits

To the population and a rouble estimation of currency contributions of physical persons. The gain contribution

Credits in a total sum of the personal income for 1997 did not exceed 0,4 % and hardly

Influenced the general dynamics of savings. Volume of currency contributions of the population, on

To the data on the beginning of 1998, we will compare to rouble contributions to the commercial

Banks. By our estimations, the gain of these contributions for last year was less than 1 %

The sums of personal incomes, but their ignoring can lead further

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Business Icon Set Business Icon Set is a library of top- quality ready-made icons for use in software and on websites. They are provided in a variety of formats, sizes and color schemes.

Free Business Desktop Icons Free Business Desktop Icons is a pack of 10 ready icons to be used in commercial and personal projects, including software, websites, blogs, and desktops. The images are free for personal, frequent and commercial use.

Standard Hotel Icons Making applications for hotel industry is quite a challenge, and there is often no time to think about GUI for your project. With Standard Hotel Icons you will momentarily get all the graphics you need at an affordable price.

16x16 Free Application Icons 16x16 Free Application Icons collection contains everything that are required for your web site or application toolbar.

16x16 Pixel Toolbar Icons 16 x 16 Pixel Toolbar Icons collection contains all the images that are required for your web project or application toolbar.