The Finance Center

As the world economic unrest is largely expected to continue into 2012, there’s little room for the average Russian to save.

Data from the Federal State Statistical Service (Rosstat) says that the real disposable income of people in Russia stands at about 21,000 roubles, where almost a half of that is spent on food. And research from Russia’s National Agency for Financial Studies (NAFS) shows that more than a half of Russians don’t put any money aside at all.

Deeper into Deposits

Deposits and cash remain the most popular saving tools, seen as the most reliable “Grandma recipe,” says Guzelia Imaeva, a head of NAFS. For an average Russian, unwilling to take a risk with their pint-sized savings, it would be better to deposit the money and relax, says Natalia Smirnova, general director at Personal Advisor Financial Planning Association.

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I hate tracking things. I’m terrible at it. The terrible stems from the hating part. I actually feel a bit reviled right now just thinking of tracking myself on anything. I’ve tried to track my eating habits before because up til now I cannot cook, and my nutrition has suffered; that lasted about 6 days. Then I lost the paper I tracked it on. You see? Terrible.

I am writing this on January 1, 2012.  I am going to track my spending every day this month.

I am doing this not just to see how much I spend

But to understand how it feels to track my spending.

I’ll go out on a limb and say that most people want to be happy. If something is easy and will make a person happy, they’ll probably do it. “Oh you’re giving me a free piece of delicious, cheesy pizza? Yes, thank y

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Deloitte has appointed Nicki Demby as a partner to its expanding Global Employer Services practice. Nicki is the sixth partner appointment to the team in six months.

Matt Ellis, Tax Partner and Head of the Global Employer Services group at Deloitte, comments:

“The Global Employer Services group at Deloitte comprises a market-leading team of over 700 professionals, 30 of whom are partners. Our extensive expertise in the area of global mobility, tax and remuneration has been hugely complimented by the appointment of these six new partners during the past six months, and we’re delighted to welcome them on board.

“Businesses face numerous human capital challenges at the current time, whether this is the complexity of doing business on a global scale or the increasing importance of emerging markets, there is a clear competitive need to find flexible, commercial solutions that reward and motivate employees to respond to these opportunities. At th

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In today’s world with our uncertain economy, more and more people are turning to credit consolidation services for help with their debt issues. Being in debt has taken on epidemic proportions with the general population of this country. Credit consolidation programs seem to be popping up all over the place these days in huge numbers. And unfortunately for consumers, many of these are nothing but scams. Now for the good news, there really are plenty of legitimate companies out there who really do care about the people who they are trying to help. It’s up to you to do your homework and find them. We are now going to briefly discuss a few things you want to watch out for while doing your research.

The first thing to watch out for is a company who makes outrageous claims. It

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