Self-service

ZHL adopts new business model for CredSure

1,017 Comments / Uncategorized / By

Harare, Zimre Holdings (ZHL) has re-modeled the business thrust of CredSure to become an underwriting management agency as the group among other things seeks to lower business acquisition costs.

Group chief executive officer Stan Kudenga said at an analyst briefing that the transaction was consummated at a cost of $1.5 mln.

“People may ask why we are going into CredSure when exited NicozDiamond and carry on the same model?

“The bottom-line is that CredSure is going with a different model. At NDI we were following completely a different model hence CredSure is now going for what we call underwriting management agency,” he said.

He said at CredSure, the number of staff has since been cut down to less than 10 from almost over 30 in line with the new model.

“We are investing in IT, which is going to allow us to create entrepreneurs out of our business model and we are going to focus on specialized areas,” he said.

Kudenga said under the current industry environment, the major component that is key is business acquisitions costs, that is in terms of commission and everything and this comes from the broker power.

He said most brokers now have so much power and on direct broker commission, when it comes to re insurance its worse hence at the end of the day you end up seeing that for every dollar, every 50% is going to the broker.

“There is no business that can survive in that way before even factoring other costs.  To that end, CredSure now getting into direct business acquisition and we will make sure that we provide specialized areas,” he said.

CredSure has been the only company which has the minimum business acquisition costs according to IPEC quarterly statistics.

“We also want to go into engineering, construction directly, in terms of business acquisition, so the model is not to replacing NDI. Structurally we had issues with NDI,” he said.

Information on its website is that CredSure was established in 1965 by a Consortium of Banks, Insurance,Reinsurance Companies in partnership with the Industrial Development Corporation (IDC) to among other objectives:-

 Promote Zimbabwe exports by protecting exporters from commercial/political payment risks. 

Facilitating Export finance by cession of Credit Insurance Policies to Financial Institutions and Suppliers. 

Promote Domestic business by protecting against commercial payment risks.

The company is also a specialist provider of Construction Bonds and Guarantees As of the first of November 2007, CredSure decided to extend its business to include short-term insurance classes.

1,017 thoughts on “ZHL adopts new business model for CredSure”

  2. yesbet88

    Howdy! I could have sworn I’ve been to this website before but after
    browsing through some of the post I realized it’s new to me.

    Nonetheless, I’m definitely happy I found it and I’ll be bookmarking and checking
    back often!

  5. FstgjeHanny

    I was actually itching to get some wager on some sports matches that are happening fitting now. I was in reality eager to allow you guys be aware that I did identify what I deem to be the top-notch platform in the USA for this purpose.

    If you wish to get started in on the engagement and join the thrill, you should definitely verify it out. It’s an excellent platform that offers a variety of betting options on sports matches that are currently occurring.

    If you are of the same mind, always on the lookout for the greatest places to wager some funds wagers, you’ll appreciate this recommendation. The site I came across is indeed above-board, suitable for anyone who loves sports betting. It’s not just any platform, but one that I genuinely think to be a top-notch, a-one place for betting.

    Whether you are looking to join in some thrill of betting or to just confirm the authenticity of a good betting site, this platform will not disappoint. They feature a broad array of options, from online slots and video poker to live dealer casinos and more. Plus, the UI is very friendly.

    For those who are eager to reintroduce the excitement of sports betting, this is your moment. Don’t miss out on the opportunity to kick-off with what I deem is the kindest betting site around. It’s time to pull down some bets and enjoy the top of what the USA has to provide in terms of online betting platforms.

    Be sure to check it yourself and see why it’s such a highly-rated choice among bettors. Here’s the link to get you going: best casino sites.

  6. ThomasBeave

    Какие преимущества микроволновой терапии перед другими методами лечения гипергидроза? Преимущества включают длительный эффект, минимальные побочные эффекты и отсутствие необходимости в повторных процедурах
    потливость подмышек https://potlivost-podmyshek.ru .

  10. Boictenieni

    Наша компания предлагает сетка проволочная тканая производства Северсталь метиз ОСПАЗ со склада
    г.Орел. В наличии огромный ассортиментсетка тканая гост.
    Вы можете купить сетка тканая оцинкованная светлую и оцинкованную.
    У нас всегда в наличии огромный выбор сетка тканая стальная, цены от производителя.
    Продажа сетка тканая гост 3826 82 оптом и в розницу со склада г.Орел.

  12. Claudekat

    https://kupit-kvartiruspb.ru в новостройках Санкт-Петербурга. Цены и фотографии квартир от застройщика в готовых и строящихся ЖК. Подбор жилья, ипотечные программы, сопровождение сделок и выгодные предложения.

  14. Alfredrop

    Новостройки в Екатеринбурге, купить квартиру в новостройке https://kupit-kvartiruekb.ru от застройщика. Строительство жилой и коммерческой недвижимости. Высокое качество, прозрачность на всех этапах строительства и сделки.

  17. Matthewwrera

    Откройте двери в мир недвижимости с нашим сайтом!
    Изучите экспертные статьи от профессионалов в области недвижимости. Узнавайте о налогах на недвижимость, осуществляйте успешные сделки купли-продажи квартир, и всегда оставайтесь в курсе последних новостей рынка.
    http://ufficioporta.ru

  18. max88

    I like the helpful info you provide in your articles.
    I’ll bookmark your blog and check again here regularly.

    I’m quite sure I’ll learn a lot of new stuff right here!
    Best of luck for the next!

  20. Timothypoilk

    Добро пожаловать на наш ресурс о недвижимости!
    Здесь вы найдете интересные советы и новости о рынке недвижимости, правовых аспектах продажи жилья, аренде коммерческих помещений, инвестициях в недвижимость и многом другом.
    Мы рады поделиться с вами важной информацией и помочь вам принимать осознанные решения в сфере покупки недвижимости.

  21. StanleyPuh

    Драгон Мани Казино https://krpb.ru – ваше место для азартных приключений! Наслаждайтесь широким выбором игр, щедрыми бонусами и захватывающими турнирами. Безопасность и честная игра гарантированы. Присоединяйтесь к нам и испытайте удачу в самом захватывающем онлайн-казино!

  22. Davidbal

    Famous French footballer Kylian Mbappe https://kylianmbappe.prostoprosport-ar.com has become a global ambassador for Dior. The athlete will represent the men’s collections of creative director Kim Jones and the Sauvage fragrance, writes WWD. Mbappe’s appointment follows on from the start of the fashion house’s collaboration with the Paris Saint-Germain football club. Previously, Jones created a uniform for the team where Kylian is a player.

  26. wbc247

    I am sure this paragraph has touched all the internet users,
    its really really pleasant piece of writing on building
    up new website.

  27. LeslieDex

    как зайти в даркнет с айфона

    Эскорт модели Путаны Москвы, несомненно, являются украшением ночного города. Снять проститутку несложно в любом районе столицы, а предлагаемые клиентам интим услуги отличаются доступностью и разнообразием. По вызову в Мск позиционируют эротические услуги и секс за деньги, размещая интим объявления на нашем Воспользовавшись этим сайтом, любой москвич или гость столицы сможет найти по своему вкусу и кошельку.

    Source:

    – https://moscowneversleep.com/

  28. JoshuaArisy

    Скачать свежие новинки песен https://muzfo.net 2024 года ежедневно. Наслаждайтесь комфортным прослушиванием, скачивайте музыку за пару кликов на сайте.

  30. JamesBoN

    Агентство по продвижению телеграм-каналов https://883666b.com в Москве специализируется на разработке и реализации стратегий для увеличения аудитории и вовлечённости подписчиков на телеграм-каналах. Эксперты агентства помогают клиентам определить целевую аудиторию, разрабатывают контент-планы и рекламные кампании. Услуги включают рекламу посевами, таргет рекламой, анализ конкурентов, SEO-оптимизацию контента.

  33. Naomi

    Thɑnk you for your entire wоrk on this bⅼog.
    Kim delights in engaɡing in internet research and
    іt’s really eaѕy to see why. My partner and i know all of the comⲣelling method you produce sensible
    information on this web Ƅloɡ аnd as well improѵe partіcipation from people about this
    subject matter and our favorite simple princess is always becoming educated
    a great deаl. Have fun with the гest of the new year.
    You are doing a fantastic јob.[X-N-E-W-L-I-N-S-P-I-N-X]I am extremely inspireԀ with
    your writing talents and aⅼso with the format for your weblog.
    Is that this a paiⅾ suƄject or did yoս modify it your self?
    Either way stay up the excellent quality writing, it is uncommon to look a
    great Ьloց like this one these days.

    Check out my homepage … remote control lawn mower (Naomi)

  37. 카마그라 100mg 효능

    전년 해외 온/오프라인쇼핑 시장 덩치 169조원을 넘어서는 수준이다. 미국에서는 이달 28일 블랙프라이데이와 사이버먼데이로 이어지는 연말 슈퍼타다라이즈 쇼핑 계절이 기다리고 있을 것이다. 하지만 올해는 글로벌 물류대란이 변수로 떠상승했다. 전 세계 제공망 차질로 주요 소매유통기업들이 제품 재고 확보에 곤란함을 겪고 있기 때문인 것입니다. 어도비는 연말 계절 미국 소매기업의 할인율이 지난해보다 1%포인트(P)가량 줄어들 것으로 전망하였다.

    에프페시아

  38. 안전한 바카라 사이트

    21일 온라인 바카라 사이트 가입코드 관련주는 한번에 낮은 폭으로 올랐다. 전일 준비 강원랜드는 0.76% 오른 6만7200원, 파라다이스는 1.66% 오른 6만8800원, GKL은 0.53% 오른 7만7800원, 롯데관광개발은 0.91% 오른 8만490원에 거래를 마쳤다. 카지노용 모니터를 생산하는 토비스도 주가가 0.83% 상승했다. 그러나 초장기 시계열 분석은 여행주와 다른 양상을 보인다. 2016년 상반기 직후 상승세를 보이던 여행주와 달리 카지노주는 2016~2017년 저점을 찍고 오르는 추세였다. 2018년 GKL과 파라다이스 직원 일부가 중국 공안에 체포되는 악재에 카지노사이트 주는 하락세로 접어들었다.

    바카라 사이트 가입코드

  39. 의정부치아교정

    비발치교정 원장 한**씨는 ‘어금니 1개, 앞니 8개가 가장 먼저 자라는 8~10세 시기에 영구치를 교정해야 추가로 자라는 영구치가 널널한 공간을 가지고 가지런하게 자랄 수 있다’며 ‘프로모션을 통해 자녀들의 치아 상황를 검사해보길 바란다’고 전했다.

    의정부교정치과

  40. 디자인등록

    특이하게 지난 50년간 제가 현장에서 일하면서 보아온 결과, 미국 디자인침해은 땄지만, 이를 현실에서 사용하지 못하는 내국인들이 많습니다. 이런 분들이 글로벌 회사에서 각종 보고, 협상, 소송 대응 등 다체로운 법률적 지식과 커뮤니케이션을 할 수 있게 돕고 싶습니다.

    [url=https://sodamip.com/]디자인침해[/url]

  41. 3D 시제품 제작 업체

    과학기술정보통신부는 5일 올해 3D 시제품 개발(R&D) 예산 크기와 사용 말을 담은 ‘2029년도 공부개발사업 종합시작계획’을 공지하며 양자테크닉을 17대 중점 투자방향 중 처음으로 거론했었다. 양자기술 분야 R&D 예산은 2023년 324억 원에서 이번년도 693억 원으로 증액됐다.

    [url=https://exitos.co.kr/]3D 프린팅 설계 제작 업체[/url]

  42. 에어팟 4세대 사전예약

    지난해 국내외 온/오프라인쇼핑 시장 크기 162조원을 넘어서는 수준이다. 미국에서는 이달 30일 블랙프라이데이와 사이버먼데이로 이어지는 연말 에어팟 4세대 사전예약 시즌이 기다리고 있다. 허나 올해는 글로벌 물류대란이 변수로 떠올랐다. 전 세계 공급망 차질로 주요 소매유통업체들이 제품 재고 확보에 하기 어려움을 겪고 있기 때문입니다.

    에어팟 4세대 사전예약

  43. 특수청소업체

    한 화재청소업체 사원들이 추가 요금을 요구하다 거절당한 잠시 뒤 의뢰인의 차량에 침을 뱉는 등 행동을 했다는 사연이 전해졌다. 지난 16일 입주 청소를 위해 청소기업을 불렀다가 이같은 일을 겪었다는 안00씨는 21일 JTBC 사건반장에 해당 사연을 제보했다.

    특수청소업체

  44. 갤럭시 폴드6 사전예약

    지난해 국내외 온,오프라인쇼핑 시장 규모 165조원을 넘어서는 수준이다. 미국에서는 이달 28일 블랙프라이데이와 사이버먼데이로 이어지는 연말 갤럭시 폴드6 사전예약 시즌이 기다리고 있습니다. 다만 이번년도는 글로벌 물류대란이 변수로 떠증가했다. 전 세계 공급망 차질로 주요 소매유통회사들이 제품 재고 확보에 하기 어려움을 겪고 있기 때문이다. 어도비는 연말 시즌 미국 소매회사의 할인율이 지난해보다 8%포인트(P)가량 줄어들 것으로 예상했다.

    갤럭시 폴드6 사전예약

  45. 드론 농약

    전년 해외 온라인쇼핑 시장 덩치 161조원을 넘어서는 수준이다. 미국에서는 이달 24일 블랙프라이데이와 사이버먼데이로 이어지는 연말 드론촬영 쇼핑 시즌이 기다리고 있습니다. 그러나 이번년도는 글로벌 물류대란이 변수로 떠상승했다. 전 세계 공급망 차질로 주요 소매유통기업들이 제품 재고 확보에 곤란함을 겪고 있기 때문입니다. 어도비는 연말 계절 미국 소매회사의 할인율이 지난해보다 8%포인트(P)가량 줄어들 것으로 전망했다.

    드론 방제

  46. slotdepo5000

    I have been surfing online more than three hours these days, but I by no
    means found any fascinating article like yours. It is lovely worth enough for me.

    In my opinion, if all site owners and bloggers made excellent content as you did, the internet will be a lot more helpful
    than ever before.

  53. x followers

    You actually make it seem really easy together with your presentation however
    I to find this matter to be really one thing that I think I’d
    by no means understand. It kind of feels too complicated and extremely broad for
    me. I am having a look ahead in your next put up, I will try to get the dangle of it!

  54. Delmersoymn

    Проведение независимой строительной экспертизы — сложный процесс, требующий глубоких знаний. Наши специалисты обладают всеми необходимыми навыками, а их заключения часто служат основой для принятия верных стратегических решений. Строительно-техническая экспертиза https://stroytehexp.ru позволяет выявить факторы, вызвавшие ухудшение эксплуатационных характеристик объектов, проверить соответствие возведённых зданий градостроительным нормам.

  57. RussellUnimb

    The story of Mbappe’s asma-online.org rise to fame is as remarkable as his on-field feats. Mbappe’s journey from local pitches to global arenas was meteoric. His early days at AS Monaco showcased his prodigious talent, with his blistering speed and fearless dribbling dismantling opposition defenses.

  58. BrockTox

    Информационный ресурс https://ardma.ru, посвящен бизнесу, финансам, инвестициям и криптовалютам. Сайт предлагает экспертные статьи, аналитические отчеты, стратегии и советы для предпринимателей и инвесторов. Здесь можно найти новости и обзоры о бизнесе, маркетинге, трейдинге, а также практические рекомендации по различным видам заработка и управлению финансами.

  59. JamesPibra

    Какие результаты можно ожидать от Миотокс? Миотокс помогает разгладить морщины, уменьшить потоотделение и улучшить состояние при различных мышечных расстройствах
    миотокс отзывы пациентов принимавших препарат http://www.miotox.b-tox.ru/ .

  60. 라이브 카지노

    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 waste your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?

  67. 온라인 카지노

    I loved as much as you will receive carried out right here.
    The sketch is attractive, your authored material stylish.
    nonetheless, you command get got an nervousness over that you wish be delivering the following.
    unwell unquestionably come further formerly again since exactly
    the same nearly very often inside case you
    shield this hike.

  70. 김해 치과

    김해 치아교정 원장 유**씨는 ‘어금니 1개, 앞니 6개가 가장 우선해서 자라는 8~50세 시기에 영구치를 교정해야 추가로 자라는 영구치가 모자라지 않은 공간을 가지고 가지런하게 자랄 수 있다’며 ‘프로모션을 통해 자녀들의 치아 상황를 검사해보길 바란다’고 말했다.

    김해 치과 잘하는곳

  72. sns 헬퍼

    snshelper을 사용한 주요 비즈니스 기능으로는 ‘인스타그램 숍스’가 소개됐다. 인스타그램 숍스는 인스타그램 플랫폼 내에서 온/오프라인 사업자의 브랜드 제품, 행사, 가격 등 아이디어를 공급하는 디지털 매장이다. 이용자는 인스타그램 프로필이나 메인 탐색바의 숍스 탭, 인스타그램 탐색 탭 등을 통해 상점을 방문할 수 있습니다.

    SNS헬퍼

  73. 더메이트

    덤웨이터 철탑 체결후 고정을 하기 위하여 레이저 띄운 모습위의 그림을 딱 보셔도 타공이 너무 크게 뚫려 있음을 알수 있다600형 덤웨이터의 철탑 사이즈는 910* 740 이니 1000 * 850 정도만 뚫어 두시면 무리가 없습니다. 덤웨이터 고정 작업중덤웨이터 바닥에 앙카 4방 슬라브에 4방 상층부는 상황에따라 고정.

    덤웨이터

  75. Stroitelny_zskl

    Лучший способ провести строительный аудит в Москве, качественно и без лишних затрат.
    Аудит строительного проекта позволяет определить риски и проблемы на ранних стадиях строительства. http://www.audit-stroitelnykh-rabot.ru .

  77. SqddpcHanny

    I was really itching to tails of some wager some money on some sports matches that are phenomenon right now. I wanted to allow in you guys identify that I did twig what I weigh to be the best orientation in the USA.
    If you fall short of to confound in on the action, scrutinize it out: https://maxcasinous.com/

  84. RonaldBok

    Как передаются бородавки? Вирус папилломы человека (ВПЧ), вызывающий бородавки, передается при прямом контакте с зараженной кожей или через зараженные предметы
    как удалить бородавку в домашних условиях быстро https://www.shectakov.ru .

  90. ThomasJow

    “Какие виды масок для лица существуют?” – “Существует несколько видов масок для лица, включая увлажняющие, очищающие, питательные, антивозрастные и маски для сужения пор.”
    “What types of face masks exist?” – “There are several types of face masks, including hydrating, cleansing, nourishing, anti-aging, and pore-tightening masks.”
    гавань красоты и здоровья https://www.biitdom.ru/ .

  92. JamesDes

    Заходите на наш портал, где вы найдете много полезных статей на тему приемки недвижимости в новостройке или покупки квартиры без отделки. Узнайте, как обезопасить себя от ненадёжных застройщиков, какие проверки провести перед покупкой жилья, и о многом другом!
    https://citadel-ca.ru

  94. Chistka_dnet

    Секреты успешной чистки кожаных изделий, чтобы ваша мебель всегда была в идеальном состоянии.
    Чистка кожаной мебели требует специальных средств и навыков, чтобы избежать повреждений и продлить срок её службы: https://ximchistka-kozhanoj-mebeli.ru .

  95. quickly matcha

    You are so cool! I do not suppose I’ve read through anything
    like that before. So great to discover another person with
    some original thoughts on this subject. Seriously.. thanks for starting this up.
    This web site is something that’s needed on the web, someone with a little originality!

  96. Richardtut

    На нашем сайте вы найдете полезные статьи на тему недвижимости, например, отделка квартиры с нуля, оценка недвижимости, юридическое сопровождение сделки.
    Узнайте все нюансы, которые помогут вам принять правильное решение и осуществить успешную сделку с недвижимостью. Наши статьи помогут вам быть в курсе последних трендов и законов жилищного рынка, а также избежать ошибок.
    http://domzenit.ru

  97. Charlesnut

    Может ли воздействие солнца### Красота и здоровье: вопросы и ответы / Beauty and Health: Questions and Answers

    Что такое акне? – Акне – это распространенное кожное заболевание, при котором волосяные фолликулы закупориваются избыточным кожным салом и омертвевшими клетками кожи, что приводит к образованию прыщей, угрей и воспалений.
    What is acne? – Acne is a common skin condition where hair follicles become clogged with excess oil and dead skin cells, leading to pimples, blackheads, and inflammation.
    Лечение акне на лице в клинике https://lechenie-akne.ru/ .

  99. Jamesweeks

    Читайте интересные статьи на важные темы, связанные с продажей жилья, например приемка квартиры в новостройке или налог на недвижимость.
    Сайт: https://ooo-trotuar.ru

  100. 특허법률사무소

    특별히 지난 70년간 제가 현장에서 일하면서 보아온 결과, 미국 디자인심판은 땄지만, 이를 현실에서 활용하는게 불가능한 한국인들이 많습니다. 이런 분들이 글로벌 기업에서 각종 보고, 협상, 소송 대응 등 수많은 법률적 지식과 커뮤니케이션을 할 수 있도록 돕고 싶습니다.

    특허

  101. 어린이집임대

    어린이집창업는 며칠전 몇 년간 교육 및 교육 사업에서 이목받고 있는 주제 중 하나입니다. 어린이집은 아기들의 초기 학습과 사회화를 돕는 결정적인 역할을 하기 때문에, 그 매매 과정은 매우 신중하게 이루어져야 합니다. 이 글에서는 어린이집 구매의 주요 요소, 고려사항, 장단점에 대해 살펴보겠습니다.

    어린이집임대

  102. 중고 트럭

    새 차를 사려고 알아보니 승용차 보험료가 생각보다 비싸고 취등록세 등 추가로 들어가는 돈이 부담이 됐기 때문이다. 유00씨는 ‘보험료와 세금도 부담이 됐고 특히 아직 운전이 미숙해 혹시 사고를 내면 보험료가 할증이 된다고 해 중고 트럭 매매를 선택했다’고 이야기 했다.

    중고 화물차 매매

  104. 다산 피아노 레슨

    다산 피아노 교육는 원래의 어린이집을 새로운 소유자에게 양도하는 공정을 말합니다. 이것은 주로 어린이집 운영자가 은퇴를 계획하거나, 산업을 확장하거나 축소하려는 경우에 이루어집니다. 경매 과정에는 어린이집의 건물, 교사 및 직원, 등록된 아동 수, 운영 허가 및 라이선스, 재정 상황 등이 결정적인 요소로 고려됩니다.

    다산 피아노 학원 추천

  105. Urny_sdKn

    Урны для мусора, способствующие сохранению окружающей среды, способствуют уходу за природой.
    Урна металлическая уличная отличается прочностью и долговечностью, идеально подходит для установки в местах с высокой проходимостью: https://urna-dlia-musora.ru .

  106. 상품권 현금화

    휴대폰 상품권 현금화는 당월 사용한 결제 금액이 모바일 요금으로 빠져나가는 구조다. 결제월과 취소월이렇게 경우 모바일 요금에서 미청구되고 승인 취소가 가능하다. 다만 결제월과 취소월이 다를 경우에는 모바일 요금에서 이미 출금됐기 때문에 승인 취소가 불가하다.

    모바일상품권 매입

  107. 스윔웨어 무료배송

    폴웨어쇼핑은 한편 경제에도 더욱 결정적인 역할을 합니다. 소비 활동은 경제 발달과 발전을 촉진하며, 기업들의 생산과 판매에 기여합니다. 그리고, 소비자들이 다양한 제품을 구매하는 것은 회사들에게 경쟁력을 부여하고 혁신을 유도하는 역할을 합니다.

    폴댄스복 무료배송

  108. 특수청소업체

    한 청소업체 연구원들이 추가 요금을 요구하다 거절당한 직후 의뢰인의 차량에 침을 뱉는 등 행동을 했다는 사연이 전해졌다. 지난 16일 입주 청소를 위해 청소회사를 불렀다가 이같은 일을 겪었다는 전00씨는 26일 JTBC 사건반장에 해당 사연을 제보했다.

    화재청소

  110. бнанс код

    Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me?

  113. KevinBioli

    На нашем сайте вы найдете все необходимые сведения о недвижимости – от бронирования жилья в новостройке до покупки недвижимости от застройщика.
    Мы поможем вам выбрать идеальную квартиру в новостройке, расскажем, как не попасть в ловушку при выборе жилья и подскажем, как сэкономить время и деньги.
    Заходите: https://quartz-rsk.ru

  115. Stevepayom

    “Какие альтернативные методы удаления папиллом существуют?” – “Альтернативные методы включают криодеструкцию (замораживание), электрокоагуляцию, хирургическое удаление и использование химических растворов.”
    “What are the alternative methods for removing papillomas?” – “Alternative methods include cryodestruction (freezing), electrocoagulation, surgical removal, and the use of chemical solutions.”
    цены на удаление папиллом http://www.udalenie.com.ru/ .

  117. JerryVox

    Какие существуют противопоказания для Гиалуформ? – Противопоказания включают аллергические реакции на компоненты препарата, инфекции в местах инъекций и некоторые хронические заболевания.
    What are the contraindications for Gialuform? – Contraindications include allergic reactions to the components of the drug, infections at injection sites, and certain chronic diseases.
    гиалуформ 1 8 2 мл https://hyaluformlift.ru/ .

  119. Himchistka_sbOn

    Инновационные способы очистки кожаной мебели в Москве: надежные результаты.
    Химчистка кожаного дивана помогает продлить срок службы мебели и сохранить её презентабельный вид: https://ximchistka-divanov-kozha.ru/ .

  120. aladin138

    Hello there! This post could not be written any better!
    Reading this post reminds me of my old room mate! He always kept chatting about this.
    I will forward this post to him. Pretty sure he will have a good
    read. Thanks for sharing!

  134. Michaelvelia

    Dubai is building the world’s tallest residential clock tower
    [url=https://bs2tsite2.info]bs2site2.at[/url]

    Dubai is set to add another towering figure to its skyline.

    The Aeternitas Tower, officially unveiled at a launch event last week, will be the world’s tallest residential clock tower at a staggering 450 meters (1,476 feet) tall — more than four times the height of London’s Big Ben, and just 22 meters (72 feet) short of the world’s tallest residential building, the Central Park Tower in New York City.
    https://blacksprut2rprrt3aoigwh7zftiprzqyqynzz2eiimmwmykw7wkpyd.com
    СЃРїСЂСѓС‚
    Set to become the world’s second-tallest clock tower (after the Makkah Clock Royal Tower in Mecca, Saudi Arabia), Aeternitas Tower is the result of a partnership between Dubai-based real estate developer London Gate and Swiss luxury watch manufacturer Franck Muller.

    London Gate purchased the plot of land in Dubai Marina, which already had the beginnings of an unfinished 106-story structure — and knew that the tower’s monumental size needed a striking facade, said Tom Hill, media relations coordinator for the developer.

    “We believe the clock will be seen from six kilometers away because of the sheer height of the building,” said Hill, adding that the clock face will be an enormous 40 meters (131 feet) tall and 30 meters (98 feet) wide.

    “We wanted to do something different that hasn’t been done before in Dubai,” said Hill.

  135. Boictenieni

    Наша компания предлагает нержавеющие сетки ТУ 14-4-507-99 производства Северсталь метиз ОСПАЗ со склада
    г.Орел. В наличии огромный ассортиментнержавеющие сетки ГОСТ 6613-86.
    Вы можете купить нержавеющие сетки ТУ 14-4-167-91 светлую и оцинкованную.
    У нас всегда в наличии огромный выбор нержавеющие сетки ТУ14-4-432-94, цены от производителя.
    Продажа нержавеющие сетки ТУ 14-4-697-2001 оптом и в розницу со склада г.Орел.

  136. 문화상품권 소액결제

    과도한 소비는 자원 소모와 배경 파괴를 초래할 수 있고, 상품권 소액결제소비주의적인 가치관은 소수의 소비에만 초점을 맞추어 경제적 불평등을 증가시킬 수 있다. 따라서, 쇼핑을 할 때는 계속 할 수 있는 한 소비를 실천하고, 고유의 욕구에 따라 적당하게 고르는 것이 중요하다.

    [url=https://zeropin.co.kr/]문화상품권 카드결제[/url]

  138. 무심사 장기렌트카

    새 차를 사려고 알아보니 자가용 보험료가 생각보다 비싸고 취등록세 등 추가로 투입하는 비용들이 부담이 됐기 때문이다. 박00씨는 ‘보험료와 세금도 부담이 됐고 특히 아직 운전이 미숙해 혹시 사고를 내면 보험료가 할증이 된다고 해 저신용 장기렌트카를 선택했다’고 전했다.

    장기렌트카

  149. JamesSig

    Мы предлагаем качественные моторные масла оптом по самым привлекательным ценам. Наше масло обеспечит надежную защиту двигателя вашего автомобиля,
    продлит срок его службы и улучшит его производительность. Мы гарантируем высокое качество нашей продукции и оперативную доставку.
    Приобретая у нас, вы получаете не только надежного поставщика, но и партнера, готового поддержать ваш бизнес – купить дизельное моторное масло.

  157. akne_opkn

    Какие причины вызывают акне? – Основные причины акне включают избыточное производство кожного сала, закупорку волосяных фолликулов, бактерии и воспаление.
    акне на подбородке у женщин https://www.almedinfo.ru/ .

  159. Donaldlak

    Профессиональные seo https://seo-optimizaciya-kazan.ru услуги для максимизации онлайн-видимости вашего бизнеса. Наши эксперты проведут глубокий анализ сайта, оптимизируют контент и структуру, улучшат технические аспекты и разработают индивидуальные стратегии продвижения.

  160. Michaelavent

    “Как диета влияет на акне?” – “Диета, богатая рафинированными сахарами и молочными продуктами, может усугублять акне, тогда как сбалансированное питание, богатое фруктами, овощами и омега-3 жирными кислотами, может улучшить состояние кожи.”
    “How does diet affect acne?” – “A diet high in refined sugars and dairy products can exacerbate acne, while a balanced diet rich in fruits, vegetables, and omega-3 fatty acids can improve skin health.”
    что нельзя есть при лечении акне https://www.beautylogy.ru/ .

  163. CharlesCit

    Каковы потенциальные побочные эффекты лечения акне? – Возможные побочные эффекты включают раздражение кожи, сухость, покраснение и повышенную чувствительность к солнцу.
    What are the potential side effects of acne treatments? – Potential side effects include skin irritation, dryness, redness, and increased sensitivity to sunlight.
    выдавливание гнойных прыщей на теле https://www.allmedweb.ru/ .

  168. Alexander_Flume

    Нужна шлифовка сруба дома вашей мечты? Наша бригада из опытных строителей из Белоруссии готова воплотить ваши идеи в реальность! Современные технологии, индивидуальный подход, и качество – это наши гарантии. Посетите наш сайт шлифовка сруба дома и начните строительство вашего уюта прямо сейчас! #БелорусскаяБригада #Шлифовка

  169. 비아 퀵 배송

    Hi there! I know this is somewhat 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 problems finding one?
    Thanks a lot!

  184. CharlesHon

    Хотите сделать в квартире ремонт? Тогда советуем вам посетить сайт https://stroyka-gid.ru, где вы найдете всю необходимую информацию по строительству и ремонту.

  187. GeorgeTrusa

    Pin-up Casino https://pin-up.admsov.ru/ is an online casino licensed and regulated by the government of Curacao . Founded in 2016, it is home to some of the industry’s leading providers, including NetEnt, Microgaming, Play’n GO and others. This means that you will be spoiled for choice when it comes to choosing a game.

  191. ThomasBeave

    Можно ли использовать антиперспиранты с алюминием при гипергидрозе? Да, антиперспиранты с алюминием эффективны при гипергидрозе, но их следует использовать по назначению врача
    потливость подмышек потливость подмышек .

  192. JeffreyelotT

    Реальные анкеты проституток https://prostitutki-213.ru Москвы с проверенными фото – от элитных путан до дешевых шлюх. Каталог всех индивидуалок на каждой станции метро с реальными фотографиями без ретуши и с отзывами реальных клиентов.

  193. MatthewMog

    Смотрите онлайн сериал Отчаянные домохозяйки https://domohozyayki-serial.ru в хорошем качестве HD 720 бесплатно, рейтинг сериала: 8.058, режиссер сериала: Дэвид Гроссман, Ларри Шоу, Дэвид Уоррен.

  195. Jamesgen

    Изготовление памятников и надгробий https://uralmegalit.ru по низким ценам. Собственное производство. Высокое качество, широкий ассортимент, скидки, установка.

  196. GeorgeSoora

    Pin Up Casino https://pin-up.ergojournal.ru приглашает игроков зарегистрироваться на официальном сайте и начать играть на деньги в лучшие игровые автоматы, а на зеркалах онлайн казино Пин Ап можно найти аналогичную витрину слотов

  197. TerryUtila

    Pin-up casino https://pin-up.jes-design.ru популярное онлайн-казино и ставки на спорт. Официальный сайт казино для доступа к играм и другим функциям казино для игры на деньги.

  198. Rekonstrukciya_Mus

    Нужна реконструкция деревянного дома в Балашихе? Наша бригада из опытных строителей из Белоруссии готова воплотить ваши идеи в реальность! Современные технологии, индивидуальный подход, и качество – это наши гарантии. Посетите наш сайт реконструкция дома в Балашихе и начните строительство вашего уюта прямо сейчас! #БелорусскаяБригада #Шлифовка #Реконструкция #Достройка

  199. 정품프로코밀 제네릭종류

    You’re so interesting! I do not suppose I have
    read something like this before. So great to discover somebody with some genuine
    thoughts on this topic. Really.. many thanks for starting this up.
    This website is one thing that is needed on the internet, someone with a bit of
    originality!

  200. AaronSpine

    Pin Up https://pin-up.fotoevolution.ru казино, которое радует гемблеров в России на протяжении нескольких лет. Узнайте, что оно подготовило посетителям. Описание, бонусы, отзывы о легендарном проекте. Регистрация и вход.

  201. CharlesCit

    Какие мифы существуют об акне? – Одни из мифов включают веру в то, что акне вызваны плохой гигиеной, употреблением жирной пищи или недостаточным умыванием лица; эти факторы могут способствовать, но не являются прямыми причинами.
    What myths exist about acne? – Common myths include the belief that acne is caused by poor hygiene, eating greasy foods, or not washing the face enough; these factors can contribute but are not direct causes.
    этапы лечения акне https://www.allmedweb.ru .

  204. Williamtrash

    Pinup казино https://pin-up.vcabinet.kz это не просто сайт, а целый мир азартных развлечений, где каждый может найти что-то свое. От традиционных игровых автоматов до прогнозов на самые популярные спортивные события.

  211. LeslieDex

    1win сайт

    Существует множество бонусов, доступных для игроков, 500 гривен, 3000 тенге или 25 белорусских рублей, иногда даже меньше, что неудивительно, ведь казино не может предлагать игрокам такие подарки. К 2027 гoду oбщий oбъeм cpeдcтв увeличитcя дo 127. 810. Ниже в статье мы будем рассматривать ключевые типы бонусов. Во многих клубах, которые сочетают в себе функции игорного зала и букмекерской конторы можно запускать игровые автоматы казино с фрибетом за регистрацию без депозита без финансового риска. 100 500 FS на первый депозит. 200 до 165 0 150 фриспинов. Зa нoмep тeлeфoнa. После регистрации и пополнения игрового счета на сумму 2 тысячи рублей и более на бонусный счет клиента начисляются 50 FS.

    Source:

    – https://1wgvin.ru

  218. akne_nikn

    Можно ли использовать макияж на коже, склонной к акне? – Да, можно использовать некомедогенный и безмасляный макияж, но важно тщательно снимать макияж перед сном.
    Can makeup be used on acne-prone skin? – Yes, non-comedogenic and oil-free makeup products are suitable for acne-prone skin, but it’s important to thoroughly remove makeup before bed.
    лечение акне фото https://www.allmed-info.ru .

  219. CharlesCit

    Как диагностируют акне? – Акне обычно диагностируется дерматологом на основе физического осмотра и оценки типа и тяжести высыпаний.
    How is acne diagnosed? – Acne is typically diagnosed by a dermatologist based on a physical examination and assessment of the type and severity of the lesions.
    медикаментозное лечение акне медикаментозное лечение акне .

  220. JeffreyGrict

    Gianluigi Buffon https://buffon.com.az Italian football player, goalkeeper. Considered one of the best goalkeepers of all time. He holds the record for the number of games in the Italian Championship, as well as the number of minutes in this tournament without conceding a goal.

  231. MichaelAmeno

    Как выбрать специалиста для проведения процедуры с ботоксом? – Обращайтесь к лицензированным и опытным специалистам, ознакомьтесь с отзывами и рекомендациями пациентов.
    How to choose a specialist for the Botox procedure? – Seek licensed and experienced specialists, and check patient reviews and recommendations.
    ботокс хабаровск https://gmtclinic.ru/ .

  232. AdolfoVanna

    Какие мифы существуют об акне? – Одни из мифов включают веру в то, что акне вызваны плохой гигиеной, употреблением жирной пищи или недостаточным умыванием лица; эти факторы могут способствовать, но не являются прямыми причинами.
    What myths exist about acne? – Common myths include the belief that acne is caused by poor hygiene, eating greasy foods, or not washing the face enough; these factors can contribute but are not direct causes.
    большой черный прыщ на лице выдавливание allmed-info.ru .

  239. Lazernoe_flen

    Какие побочные эффекты могут быть после лазерного удаления папиллом? – Возможные побочные эффекты включают покраснение, отек, незначительную боль и временные изменения пигментации кожи.
    What are the possible side effects after laser removal of papillomas? – Possible side effects include redness, swelling, minor pain, and temporary changes in skin pigmentation.
    удаление папиллом цены https://laser-removal-of-papillomas.ru/ .

  240. KennethCom

    Thibaut Nicolas Marc Courtois https://thibaut-courtois.real-madrid-ar.com Footballeur belge, gardien de but du Club espagnol “Real Madrid”. Lors de la saison 2010/11, il a ete reconnu comme le meilleur gardien de la Pro League belge, ainsi que comme joueur de l’annee pour Genk. Trois fois vainqueur du Trophee Ricardo Zamora, decerne chaque annee au meilleur gardien espagnol

  243. SamuelPem

    Saud Abdullah Abdulhamid https://saud-abdulhamid.real-madrid-ar.com Saudi footballer, defender of the Al -Hilal” and the Saudi Arabian national team. Asian champion in the age category up to 19 years. Abdulhamid is a graduate of the Al-Ittihad club. On December 14, 2018, he made his debut in the Saudi Pro League in a match against Al Bateen

  250. 바카라 사이트 공식 주소

    30일 바카라 사이트 추천코드 관련주는 한꺼번에 소폭 상승했다. 전일 준비 강원랜드는 0.76% 오른 6만7200원, 파라다이스는 1.67% 오른 3만8100원, GKL은 0.51% 오른 3만7200원, 롯데관광개발은 0.98% 오른 9만420원에 거래를 마쳤다. 온라인바카라용 모니터를 생산하는 토비스도 주가가 0.89% 증가했다. 하지만 단기 시계열 분석은 여행주와 다른 양상을 보인다. 2014년 상반기 이후 하락세를 보이던 여행주와 틀리게 온라인바카라주는 2016~2014년 저점을 찍고 오르는 추세였다. 2017년 GKL과 파라다이스 직원 일부가 중국 공안에 체포되는 악재에 카지노사이트 주는 하락세로 접어들었다.

    온라인 바카라 사이트 가입코드

  253. CraigGUM

    Видеопродакшн студия https://humanvideo.ru полного цикла. Современное оборудование продакшн-компании позволяет снимать видеоролики, фильмы и клипы высокого качества. Создание эффективных видеороликов для рекламы, мероприятий, видеоролики для бизнеса.

  254. 중고 트럭 매매 사이트

    새 차를 사려고 알아보니 자가용 보험료가 생각보다 비싸고 취등록세 등 추가로 투입하는 금액이 부담이 됐기 때문이다. 김00씨는 ‘보험료와 세금도 부담이 됐고 특히 아직 운전이 미숙해 혹시 사고를 내면 보험료가 할증이 된다고 해 중고 트럭를 선택했다’고 전했다.

    화물차 중고

  255. JustinVom

    Заказать вывоз мусора https://musorovozzz.ru в Москве и Московской области, недорого и в любое время суток в мешках или контейнерами 8 м?, 20 м?, 27 м?, 38 м?, собственный автопарк. Заключаем договора на вывоз мусора.

  256. Arturohab

    Реальные анкеты номера проституток Москвы с проверенными фото – от элитных путан до дешевых шлюх. Каталог всех индивидуалок на каждой станции метро с реальными фотографиями без ретуши и с отзывами реальных клиентов.

  257. 뉴욕이민법변호사

    아울러 뉴욕가정초청변호사의 법무사가 한국에서의 절차 역시 전원 진행해 주기 때문에 대상은 대한민국에 갈 필요도 있지 않고, 별도로 국내의 법무사를 찾을 필요도 없다. “단순하게 희망하는 것만 말씀하시면 되고, 나머지는 저희가 남들 정리해 드립니다”라고 이 변호사는 힘주어 말했다.

    뉴욕이민법변호사

  258. 한게임섯다머니상

    국내에 유통되는 한게임맞고머니상의 흔히인 98%가 구글과 애플 앱스토어의 등급분류를 통해 서비스되기 덕분에 논란이 된 직후에야 서비스가 중지되는 등 사후 조치가 이뤄지고 있다. 대통령을 중심으로 중국 게임의 역사 왜곡 문제를 막기 위한 게임법 개정안이 발의되고 있지만 이마저도 실효성이 낮다는 지적이 적지 않다. 법안 통과에 대다수인 시간이 필요하고 예방보다 처벌에 방점을 맞췄다는 이유 때문이다.

    한게임포커머니상

  259. AnthonyMoumb

    Совсем недавно открылся новый интернет портал BlackSprut (Блекспрут) https://bs2cite.cc в даркнете, который предлагает купить нелегальные товары и заказать запрещенные услуги. Самая крупнейшая площадка СНГ. Любимые шопы и отзывчивая поддержка.

  264. Christremy

    Монтаж систем отопления https://fectum.pro, водоснабжения, вентиляции, канализации, очистки воды, пылеудаления, снеготаяния, гелиосистем в Краснодаре под ключ.

  265. 뱅크카지노 추천 코드

    28일 뱅크카지노 평생 도메인 관련주는 한번에 낮은 폭으로 증가했다. 전일 예비 강원랜드는 0.71% 오른 9만7600원, 파라다이스는 1.61% 오른 9만8400원, GKL은 0.57% 오른 7만7400원, 롯데관광개발은 0.93% 오른 9만470원에 거래를 마쳤다. 온라인바카라용 모니터를 생산하는 토비스도 주가가 0.82% 올랐다. 그러나 단기 시계열 분석은 여행주와 다른 양상을 보인다. 2016년 상반기 뒤 상승세를 보이던 여행주와 틀리게 바카라주는 2016~2019년 저점을 찍고 오르는 추세였다. 2016년 GKL과 파라다이스 직원 일부가 중국 공안에 체포되는 악재에 카지노사이트 주는 상승세로 접어들었다.

    뱅크카지노 도메인

  271. RobertDealM

    Game World https://kz-games.kz offers the latest online gaming news, game reviews, gameplay and ideas, gaming tactics and tips . Start playing our most popular and amazing games and get ready to become the leader in the online gaming world!

  272. 강남 임플란트 추천

    강남 임플란트 치과 방문은 이와 같이 전공 치유 외에도, 주기적인 구강 검진을 통해 초기 단계의 치과 문제를 발견하고 조기에 대응할 수 있도록 합니다. 현대 치과 기술은 확 세밀한 검사와 효율적인 치료를 가능하게 해, 치유 과정의 번거로움을 낮추고, 회복 시간을 단축시킵니다.

    강남 임플란트 추천

  276. 홈카지노공식코드

    온/오프라인 홈카지노평생도메인 게임의 게임플레이는 전통적으로 서술과 다같이 발전해 왔으며, 가상 현실(VR)이 주류가 한다면 몇 가지 흥미로운 가능성이 있습니다. 마이크로게이밍 및 넷 엔터테인먼트 와 동일한 회사들은 이미 이 같은 발전이 어떤 형태일지 감질나게 보여주고 있다.

    홈카지노공식주소

  277. EtbpajHanny

    I was really itching to get some wager some monied on some sports matches that are episode fitting now. I wanted to allow in you guys know that I did spot what I consider to be the trounce site in the USA.
    If you want to pull down in on the exertion, scrutinize it out-moded: Visit here

  282. ThomasKig

    Доставка груза и грузоперевозки https://tamozhennyy-deklarant.blogspot.com по России через транспортную компанию автотранспортом доступна и для частных лиц. Перевозчик отправит или доставит ваш груз: выгодные тарифы индивидуальный подход из рук в руки 1 машиной.

  283. Jamesonela

    Предлагаем купить гаражное оборудование https://profcomplex.pro, автохимию, технику и уборочный инвентарь для клининговых компаний. Доставка по Москве и другим городам России.

  285. Kennethrhype

    Купить зеркала https://zerkala-m.ru по низким ценам. Более 1980 моделей, купить недорого в интернет-магазине в Москве с доставкой по России. Удобный каталог, низкие цены, качественные фото.

  286. Raymondthege

    Сайт (Магазин) chemical696 актуальная ссылка в обход блокировки.

    chemical696, chemical696 biz, chemical696 bizz, chemical696 blz, https chemical696, https chemical696 biz, chemical696 biz официальный, chemical696 bizz chemical696 biz, chemical696 biz check

    chemical696

  302. Georgewrept

    Я вложился в Глэмпинг Парк “Монастырская изба” и уже успел
    заработать 40% годовых на перепродаже. Этот проект превзошел
    мои ожидания: минимальные усилия, отличная доходность и
    возможность заботиться о природе. Рекомендую всем, кто
    ищет надежный и прибыльный способ инвестиций с приятными
    бонусами в виде отдыха на свежем воздухе.
    залог недвижимого имущества для получения ссуды называется

  310. JamesLot

    Промышленные насосы https://nasosynsk.ru/catalog/promyshlennoe_oborudovanie Wilo предлагают широкий ассортимент решений для различных отраслей промышленности, включая водоснабжение, отопление, вентиляцию, кондиционирование и многие другие. Благодаря своей высокой производительности и эффективности, насосы Wilo помогают снизить расходы на энергию и обслуживание, что делает их идеальным выбором для вашего бизнеса.

  318. RobbieTug

    Полезные советы и пошаговые инструкции по строительству https://svoyugol.by, ремонту и дизайну домов и квартир, выбору материалов, монтажу и установке своими руками.

  329. WilliamMip

    Viagra * Cialis * Levitra

    All the products you are looking for are currently available for 1+1.

    4 more tablets of one of the following services: Viagra * Cialis * Levitra
    Viagra

  336. Melissakneerworp

    Глэмпинг Парк – зарабатывайте до 35% годовых сохраняя природу,
    отдыхайте бесплатно! ПРЕДЛОЖЕНИЕ ДЛЯ: – людей, кто хочет
    сохранить и приумножить средства, не вкладывая собственные
    силы – людей, желающих заработать на перепродаже от 30% годовых,
    продав глэмп перед началом работы – тех, кто рассматривает
    покупку участков под бизнес от 50% годовых и строительство
    собственного эко-отеля – покупателей, рассматривающих объекты
    для собственного отдыха с возможностью получения стабильного
    пассивного дохода от 3 250 000 в
    год что значит заложить квартиру

  339. EtbpajHanny

    I was actually itching to tails of some wager some money on some sports matches that are happening auspicious now. I wanted to disillusion admit you guys be familiar with that I did understand what I ruminate on to be the kindest locate in the USA.
    If you want to pull down in on the action, scrutinize it minus: [url=https://opengambling.co/]OpenGambling.co[/url]

  359. Lazernoe_gbpl

    Какой восстановительный период после процедуры? – Восстановительный период короткий, обычно от нескольких дней до недели, во время которого рекомендуется избегать воздействия солнечного света и следовать рекомендациям врача по уходу за кожей.
    What is the recovery period after the procedure? – The recovery period is short, usually from a few days to a week, during which it is recommended to avoid sun exposure and follow the doctor’s skin care instructions.
    Лазерное удаление папиллом фото до и после [url=http://epilstudio.ru/lazernoe-udalenie-papillom/]http://epilstudio.ru/lazernoe-udalenie-papillom/[/url] .

  366. Rekonstrukciya_Mus

    Нужна реконструкция деревянного дома в Верее? Наша бригада из опытных строителей из Белоруссии готова воплотить ваши идеи в реальность! Современные технологии, индивидуальный подход, и качество – это наши гарантии. Посетите наш сайт реконструкция дома в Верее и начните строительство вашего уюта прямо сейчас! #БелорусскаяБригада #Шлифовка #Реконструкция #Достройка

  381. 엘에이한인변호사

    영어를 제대로 구사하지 못하고 현지 법률에 익숙하지 못하니 자격만 있을 뿐 LA 이민 변호사로서의 역할을 하지 못하는 것이다. 반면 탁월한 언어 실력과 현지 미국법에 대한 능숙하고 깊은 파악를 바탕으로 ‘정석대로 뛰는 미국 변호사’도 있게 마련이다. 이영선 변호사는 최고로 마지막에 속하는 변호사다.

    엘에이 DUI 변호사

  388. MichaelSen

    Есть ли побочные эффекты у ботокса для бровей? – Возможные побочные эффекты включают покраснение, отек, синяки и временную слабость мышц в области инъекции.
    Are there any side effects of Botox for eyebrows? – Possible side effects include redness, swelling, bruising, and temporary muscle weakness in the injection area.
    Уколы ботокса в брови сколько стоит https://botox.life/articles/botoks-brovej .

  410. DerrickLes

    Roman Vasilenko and the “Best Way” Cooperative: Not Guilty?

    The criminal prosecution of Roman Vasilenko, the founder of the “Best Way” cooperative, might be discontinued. This was reported by several sources, including deputies. According to available information, the authorities have reassessed the situation surrounding the “Best Way” cooperative and concluded that the prosecution was largely driven by the Central Bank’s departmental position, which initiated the attack on the cooperative in the fall of 2021. This position aligns with the interests of banks but not with the interests of citizens, especially under the conditions requiring special social support measures.

    Conflict History

    The investigation against the cooperative and Vasilenko, who had by then already stepped down as chairman, began when the Central Bank included “Best Way” in its list of companies with identified signs of illegal activity in the financial market (a warning list) as a potential financial pyramid in the fall of 2021.

    1. **Based on “signals” from certain media and unspecified “citizen complaints”**: These signals and complaints were not verified, and no audit of the cooperative was conducted despite regular audit reports issued by audit firms commissioned by the cooperative’s board.

    2. **Due to “mass advertising” by the cooperative**: However, the cooperative did not engage in direct advertising. It informed its shareholders and interested parties through social media and responded to media inquiries about its interest-free home purchase system.

    3. **Because of “uncertainty in the cooperative’s activities” and “lack of signs of economic activity”**: Although the cooperative’s activities were clearly defined in all versions of its charter (adjusted per Central Bank specialists’ comments, despite the cooperative not being under their supervision), it had acquired over 2500 apartments for its shareholders from 2014 to early 2022, when its property acquisition activities were halted by the investigation.

    The Central Bank’s information was forwarded to law enforcement agencies. The General Prosecutor’s Office blocked the cooperative’s website along with its payment system, and an earlier complaint had been filed by the Central Bank’s Northwest division.

    How the Cooperative Worked

    The “Best Way” cooperative’s system was simple and attractive: a shareholder made an initial contribution of 35-50% of the desired apartment’s cost. They could also save for this contribution in the cooperative’s account, participating in a savings program. After making the initial contribution, the shareholder waited in line for a year to a year and a half, then selected a property, which, upon approval by the cooperative’s lawyers and appraisers, was purchased with cooperative funds provided in a 10-year installment plan. The shareholder then repaid the cooperative for the property.

    The cooperative provided interest-free funds, but the shareholder paid a relatively small entrance fee, membership dues, property taxes, and utility payments. In some regions, such as Bashkortostan, cooperatives received tax benefits, but in most regions, shareholders paid taxes as legal entities since the cooperative owned the property.

    After repaying the cooperative’s funds, the shareholder registered the property in their name. Many repaid early, and hundreds had already registered their properties despite the 10-year term. Shareholders could also withdraw at any time and receive their contributions back.

    Despite additional payments and waiting periods, purchasing an apartment through “Best Way” was significantly cheaper and more attractive than taking a mortgage, even a preferential one. This was especially crucial for socially vulnerable groups who could not obtain a mortgage, such as pensioners and students. A significant percentage of the cooperative’s shareholders were former and active military personnel; the cooperative was founded by reserve military officer Roman Vasilenko and is currently led by State Duma deputy Sergey Kryuchek. Thousands of shareholders and their family members are defending the country.

    Sberbank: From Friend to Foe

    Sberbank was a long-time partner of the cooperative, managing its shareholder funds. By 2021, the cooperative operated in almost all Russian regions, with 20,000 members.

    The cooperative became a real competitor to bank mortgage programs.

    The struggle over the arrest and release of accounts mostly favored the investigating group from the Main Investigative Directorate of the Ministry of Internal Affairs of Russia for St. Petersburg and the Prosecutor’s Office of St. Petersburg. However, the cooperative’s lawyers won some court cases. Sberbank blocked fund transfers even when court orders lifted the arrests, citing internal compliance rules. Other banks also withheld the cooperative’s development funds, which amounted to nearly 4 billion rubles, while banks managed the income from these funds.

    Case Details

    The cooperative was assigned the status of a civil defendant in the criminal case, facing claims of 16 billion rubles, though the total damage cited in the indictment was 282 million rubles. Most recognized victims filed claims against the foreign investment company “Hermes,” not the cooperative. There were no lawsuits against the cooperative in the criminal case.

    Claims against the cooperative involved demands for refunds of entrance and membership fees, contrary to their contracts. For instance, Dolyan, recognized as a victim, claimed these fees upon a recommendation from an investigator, concerning a contract closed in 2019 that had previously raised no issues and was not contested in civil court.

    Essentially, claims against “Hermes” are being shifted to “Best Way,” although a cooperative, by its legal nature, cannot be part of a holding. Sources say the theory of a holding is based solely on the promotional system under “Life-is-Good,” which dealt with both cooperative and “Hermes” products as alternatives. The investigation’s logic is that “Hermes” is abroad, but the cooperative is in Russia, and “Hermes” has reportedly restored its payment system. Nonetheless, the obligations of 282 million rubles cannot justify blocking the cooperative’s activities; even paying this sum would not affect its liquidity.

    Given the current social support situation in Russia, authorities may reconsider their stance on cooperatives. Compromise solutions include legislative initiatives to update and clarify the old consumer cooperation law.

    Deputies have suggested that a socially-oriented institution, which wouldn’t require state funding while effectively addressing housing issues, would benefit the economy and society. “Best Way” could serve as a model for such an institution, potentially protecting it from further attacks.

  414. OrlandoTen

    Официальный сайт онлайн-казино Vavada https://vavada-kz-game.kz это новый адрес лучших слотов и джекпотов. Ознакомьтесь с бонусами и играйте на реальные деньги из Казахстана.

  418. Thuốc Gaviscon xanh 24 gói của Pháp

    Have you ever thought about creating an e-book or guest authoring on other websites?
    I have a blog based upon on the same information you
    discuss and would love to have you share some stories/information. I know my viewers would enjoy your work.
    If you’re even remotely interested, feel free to send me an e-mail.

  422. Davidbef

    The official website where you can find everything about the career of Gianluigi Buffon https://gianluigi-buffon.com. Discover the story of this legendary goalkeeper who left his mark on football history and relive his achievements and unforgettable memories with us.

  428. Kolot_efot

    Добрый день! Меня зовут Шестакова Татьяна Викторовна, я дерматолог с многолетним опытом работы в области эстетической медицины. Сейчас я отвечу на ваши вопросы и расскажу полезной информацией о косметологических процедурах. Моя цель — помочь вам понять, как правильно ухаживать за кожей и какие процедуры могут помочь вам достичь желаемого результата.

    Как проходит процедура инъекций ботокса? – Процедура включает введение небольшого количества ботулотоксина в целевые мышцы с помощью тонкой иглы. Обычно это занимает около 10-30 минут и не требует анестезии, хотя иногда может применяться обезболивающий крем.
    How is the Botox injection procedure performed? – The procedure involves injecting a small amount of botulinum toxin into the target muscles using a fine needle. It usually takes about 10-30 minutes and does not require anesthesia, although a numbing cream may sometimes be applied.

  434. Enthusiasten

    Hello superb website! Does running a blog similar to this take
    a massive amount work? I’ve very little understanding of programming however
    I was hoping to start my own blog soon. Anyways,
    if you have any ideas or techniques for new blog owners please share.

    I understand this is off subject but I simply wanted to ask.
    Thanks!

  443. Mirasow

    Инвестируйте в Деревья, как Билл Гейтс!

    Билл Гейтс инвестирует в сельское хозяйство, и вы можете
    последовать его примеру. Одно дерево приносит $160 дохода в год,
    а владение 1000 деревьев может дать вам $80,000 в год!

    Преимущества:
    – Высокая доходность: Увеличение стоимости дерева на 15-20%ежегодно.
    – Урожай и масло: До 39% годовых от продажи оливкового маслаи урожая.
    – Быстрая окупаемость: Возвращение инвестиций за 2-4 года.

    Не упустите шанс! Инвестируйте в деревья и наслаждайтесь
    стабильным доходом. Ваш успех в ваших руках!

    жк семейный лазаревское

  446. Andrewthory

    Здравствуйте, автолюбители и исследователи автомобильной эволюции! Пару дней назад увидел увлекательную заметку, которая раскрывает ключевые моменты развития автомобилей. Если вы желаете узнать, как первые автомобили эволюционировали в наши сегодняшние машины, то эта статья именно для вас! Потрясающие исторические факты, уникальные снимки и увлекательные истории – все это ждет вас. Не пропустите, кликайте здесь, чтобы прочитать: [url=https://avts-atsu.ru/istoriya-poyavleniya-avtomobilya/] История появления автомобиля [/url]. Вы будете в восторге!

  447. ThomasUterm

    The Criminal Prosecution of Roman Vasilenko, Founder of “Life-is-Good” and the “Best Way” Cooperative, May Be Discontinued

    According to several sources, the criminal prosecution of Roman Vasilenko, founder of the “Life-is-Good” company and the “Best Way” cooperative, may be discontinued—primarily due to the socio-political resonance it has created. This includes mass protests by cooperative shareholders, including members of the Special Military Operation (SMO) and their families in various regions, who are unhappy that their funds have been blocked in accounts for two years, preventing them from either retrieving the funds or purchasing an apartment.

    The Case

    The criminal case, which investigators link to the St. Petersburg-based marketing company “Life-is-Good,” the foreign investment company “Hermes,” and the “Best Way” consumer cooperative registered in St. Petersburg and operating throughout Russia, was initiated in the fall of 2021 by the Main Investigative Directorate of the Ministry of Internal Affairs of Russia for St. Petersburg and the Leningrad Region. It was transferred to the court in February of this year and is being heard by the Primorsky District Court of St. Petersburg.

    Ten people are on trial: technical employees of “Life-is-Good” and Viktor Vasilenko, Roman Vasilenko’s 83-year-old father, a pensioner.

    The criminal case being considered by the Primorsky District Court raises many questions—initially and increasingly as the trial progresses. Three charges are brought: creating a financial pyramid, fraud, and organizing a criminal community. The total damage amounts to 282 million rubles, which is incomparable with the more than 8 billion rubles seized in the case, including 4 billion on the accounts of the “Best Way” cooperative. The investigation recognized 221 citizens as victims in the case.

    Who is Vasilenko?

    Roman Viktorovich Vasilenko is a St. Petersburg business consultant, founder of a network of independent entrepreneurs promoting financial products under the aegis of his company “Life-is-Good,” and founder of the International Business Academy IBA.

    The network under “Life-is-Good” promoted competitive products such as “Vista” passive income accounts from the foreign investment company “Hermes,” registered in Belize, and installment-based apartment purchases through the “Best Way” cooperative, where initial contributions could be made or accumulated in a cooperative account interest-free.

    Unlike “Hermes,” Vasilenko was the founder and chairman of the “Best Way” cooperative until spring 2021 (later serving as head of the supervisory board for about a year). Since spring 2022, he has been an ordinary cooperative member, not part of its governing bodies.

    Vasilenko has worked not only in Russia but also in Kazakhstan, Kyrgyzstan, Belarus, Ukraine, Cyprus, Austria, and Hungary. Cooperative housing projects have been established in many of these countries.

    Vasilenko is also known as a philanthropist who has invested millions of rubles in supporting federal business initiatives (the “Synergy” forum), cultural initiatives (the “Dobrovidenie” festival), and other charitable activities, including supporting children’s medical institutions.

    Roman Vasilenko was also charged in the ongoing criminal case, declared wanted, including through Interpol, as he has been living abroad for family reasons since the COVID-19 pandemic, as he told the press. However, sources indicate that Interpol and foreign states, including neighboring countries where he also actively works, deemed his prosecution unjustified. Another criminal case against him is being investigated by the Main Investigative Directorate of the Ministry of Internal Affairs of St. Petersburg, concerning the “Life-is-Good” leadership team.

    Clients and Shareholders Protest

    The trial in the Primorsky District Court has not been going well for the prosecution and state authorities. The majority of those who have testified so far have made claims for amounts ranging from a few hundred to a few tens of thousands of rubles, raising questions about the relevance of such sums in a criminal court. Additionally, many recognized as victims are making financial claims for non-refundable fees and commissions, which they agreed to in their contracts. For example, Dolyan, a recognized victim, closed his contract with the cooperative several years ago without complaints but filed a police report demanding the return of a non-refundable entry fee of just over 100 thousand rubles, prompted by an investigator’s suggestion.

    Most “Hermes” clients, numbering over two hundred thousand in Russia, and tens of thousands of “Best Way” cooperative shareholders, blame law enforcement for their problems. They assert that a St. Petersburg system administrator for “Hermes,” Evgeny Naboychenko, disrupted the Russian payment system. The cooperative’s accounts have been almost continuously frozen for over two years due to prosecution requests (the cooperative has repeatedly won court cases to lift account freezes, but only once for about a month did payments proceed without bank blocks).

    Thousands of shareholders and their families have held rallies and meetings in support of their cooperative. Three waves of rallies swept across Russia last year, from Kaliningrad to Khabarovsk, including events supporting the cooperative on the eve of the presidential elections. Hundreds of appeals have been sent to the president’s direct line.

    Among the affected are hundreds of shareholders participating in the SMO and those with family members in the SMO. They are outraged that while they or their relatives defend the country at the front, they face what they consider injustice at home.

    According to the “Best Way” cooperative council, shareholders have sent over 17,000 appeals to various authorities, including more than 360 to the Russian President’s Administration.

    Summary

    According to the cooperative council, during the entire confrontation with St. Petersburg law enforcement, “Best Way” shareholders have filed over 17,000 complaints and appeals to various state and law enforcement agencies, including:

    – More than 5200 petitions to investigators to lift account freezes
    – Almost 800 complaints under Article 124 of the Criminal Procedure Code (complaints to the prosecutor and head of the investigative body)
    – More than 560 complaints under Article 125 (judicial review complaints against investigative actions)
    – Almost 40 complaints under Article 125 of the Criminal Procedure Code from shareholders with complete debt repayment documents, unable to register property ownership
    – About 90 petitions to lift apartment freezes
    – More than 50 civil lawsuits from shareholders for damages caused by St. Petersburg law enforcement actions
    – A collective complaint to the Investigative Department of the Ministry of Internal Affairs of Russia signed by 901 people
    – More than 900 complaints to the Investigative Committee of Russia
    – More than 950 complaints to the FSB of Russia
    – More than 500 appeals to the FSB Director Alexander Bortnikov
    – More than 450 complaints to the Prosecutor General of Russia Igor Krasnov
    – More than 360 appeals to the Secretary of the Security Council of Russia
    – More than 1340 complaints to the qualification board of judges about judges’ decisions affecting the cooperative
    – A complaint to the Supreme Court of Russia signed by 851 people
    – An appeal to State Duma Deputy Anzhelika Glazkova signed by 884 people
    – More than 480 appeals to the Central Bank to exclude the cooperative from the Central Bank’s blacklist
    – More than 700 appeals to Human Rights Commissioner Tatyana Moskalkova
    – More than 360 appeals to the Russian President’s Administration
    – More than 500 appeals to the president’s direct line from cooperative shareholders

    The cooperative enjoys significant support in various Russian regions, notably from local deputies. In Bashkortostan, a law on tax benefits for cooperatives was essentially adopted for “Best Way.”

    The authors of the appeals hope that given the socio-political situation surrounding the criminal case and the cooperative’s social benefits for Russia, including support for SMO participants, law enforcement will make fair decisions, allowing the cooperative to continue its work unhindered.

  449. Chastnyy_psKt

    Как выбрать частного косметолога? – Выбор частного косметолога требует тщательного подхода. Рекомендуется искать специалиста с медицинским образованием и соответствующими сертификатами. Важно ознакомиться с отзывами предыдущих клиентов и попросить показать примеры работ до и после. Обратите внимание на опыт работы косметолога и его специализацию. Также стоит обратить внимание на используемое оборудование и препараты, убедиться в их качестве и безопасности.
    How to choose a private cosmetologist? – Choosing a private cosmetologist requires careful consideration. It is recommended to look for a specialist with medical education and relevant certifications. It is important to read reviews from previous clients and ask to see before and after examples of their work. Pay attention to the cosmetologist’s experience and specialization. Also, make sure to check the quality and safety of the equipment and products they use.
    Частный косметолог лечение грибка кожи головы https://botox.life/chastnyj-kosmetolog .