Reasons due to which your computer has slowed down and their solutions

Simple to download programs from your computer takes an eternity? Applications such as Microsoft Word or Excel loaded for a long time? Or any other application in which you have to use every day? You can not understand the reason why your computer has become so slow, because he had previously worked better. Trying to figure out the cause of slowing down, you get a headache.

Sometimes it happens that even a new computer is behaving very strangely and works very slowly. In all this there are a few reasons:

A. As with any other mechanism for computer parts wear out, the wires break and become unusable. Most problems occur with the computer processor (CPU) or a hard disk. And the only solution in this case may be replacement of these parts, but you can not determine for yourself whether your CPU has become unusable, this should call a specialist.

Two. Each computer collects dust. Dust on the elements of cooling the video card, processor and other components can bring a lot of problems. Dust reduces the fan speed, which in turn leads to a delay in the heat, and the delay of heat leads to overheating of the CPU and video card, and it is detrimental to all electronic components. Many computer users do not know that moisture is detrimental to the technical equipment on your computer. The correct way to clean the blades cooler - is the use of pressurized air.

Three. Perhaps slowing down your computer is not due to physical aspects, and software. For example, whenever you install any software, it is recorded on the hard drive in different segments, and when you start the program offers each of these segments. But it is possible that the program was recorded in segments far distant from each other than they are on, the longer the program is loaded. The easiest way to solve this problem is to conduct a disk defragmenter.

In any version of Windows you will find a special program for defragmentation. To access this program, click Start, then select Programs, then Accessories, then System Tools in the menu you will see the Disk Defragmenter. Click on this icon and you run the program. Defragmentation can take a while, so grab a cup of coffee and relax, the program will do everything herself.

4. Spy software or free software with ads placed in it can greatly affect the performance of your computer. The solution to this problem is to install on your computer a special anti-spyware program that can easily cope with spyware and adware. In most cases this is the reason for slowing down, so often scan your computer for such programs.

Five. Whenever you install a program on your computer, it automatically entered into the registry of the operating system. The registry contains information that tells how her work. When you delete a program, most information about the program remains in the registry. It can also cause slow down your computer.

A good way to solve this problem is to install the software, optimizing the work of the registry. This program is easy to scan the registry, find and solve all the problems associated with it.

You should always keep in mind about these common causes of slow computer. It should also be in a timely manner shall prevent the existence of such problems.

Savings and fraud

The development of suburban real estate market is gaining momentum. Buyer-seller relationships have become more civilized, but there are in this market, and criminals who use increasingly sophisticated methods of cheating.

One of the most common types of fraud today in suburban real estate market based on the fact that buyers, buying houses and land, seek to save money. The desire to save money - not a bad thing, but when it is combined with a desire to legal illiteracy, it can lead to disastrous consequences.

"It often happens that unscrupulous sellers of country homes offer buyers a kind of deal - says the director of the Central Branch of the suburban real estate company" Agency "Bekar" Natalia Khmelnytsky. - Under various pretexts (urgent departure from the city or moving abroad, the lack of money for registration of the sale) offer a wish to buy villa or cottage arrange a deal on their own. At the same time crooks on the urgency of pushing (say, will soon leave or urgent need to sell and get money), and "dumped" price. Most often, these "unclean" Country objects are sold at a lower (than market) prices. Vendors are paid to an object in his hands, and, supposedly confirming the purity of their intentions and honesty, instead of giving their all documents in his house hapless buyer. Then, the buyer and seller go to a notary, which assures the buyer power of attorney to issue a transaction of sale on behalf of the seller. "


Such, at first glance, legally correct action is introduced in the suburban real estate purchaser confusion, and he calms down. Meanwhile, as the purchaser is engaged in design of their new home or land, the seller is sent to the notary and the attorney withdraws, and then quietly waits for the registration of the transaction. In this case the seller does not violate the law, as to inform the trustee to revoke a power of attorney is not required. When a buyer goes to their suburban apartment, it turns out that he's not the owner. In anger and self-righteousness with a sense of a man a suit, but it turns out that it has already surpassed: the seller had filed a claim for recognition of the transaction to be invalid (it turns out that the deal was withdrawn by the power of attorney and shall be deemed null and void). As a result, to prove their case and the more money back almost unreal.

Do not believe the testimony of

Another type of fraud associated with document forgery, and sometimes they substitute. Natalia Khmelnytsky says that since 1992, and to this day, the form of certificates of land ownership is constantly changing. In this current form has now been about 10. If the buyer does not become a real estate agency or even a lawyer, then determine whether the document is that it shows the seller is often not possible. In such cases, the owner of the suburban real estate itself has to do without the buyer's registration of the transaction. And prepares a property for the buyer with false documents, and then takes the money and disappears. In this case, the buyer can not be sure that he owns that property, which he promised to sell: it may well be that this house was sold to someone else.


However, the buyer may later have to try to challenge the transaction in court. Provided that we can prove forgery, the transaction may be declared null and void. However, the buyer does not help, because then the fraudster to find the money - almost from the category of fiction.

Human factor

Often, according to the Realtors' Bekar "fraudsters use schemes based on the confidence of people to their neighbors, their friends and acquaintances, etc. For some reason, many tend to wrongly assume that such people can not cheat, because they "own" The bottom line is usually the opposite.

Because to date paperwork for holiday home - the process is rather long, complex and costly intermediaries promise their gullible customers to do everything quickly, efficiently and inexpensively. The cost of private intermediaries varies and depends on the appetites of the mediator. Lowest cost - from $ 300 (for a minimum amount of work), but realtors can remember times when the mediators were taken and $ 1500. Intermediaries can be as black estate agents, and employees of state agencies.

The main condition for the scheme - money for making advance. The mediator promises to the buyer to issue the documents, arguing that the state agencies that affect the speed of the transaction, is "its." People calmly trust my documents to fraudsters (from a legal point of view is unacceptable because it does not exclude the possibility of further manipulation), and wait for the result. Often the result can never wait, because there are no guarantees, but the mediator states that "all the money spent on design, but nothing happened." Prove anything in such cases is useless: the money is lost forever.

Slightly more complicated scheme is used by fraudsters in the sale of land. The fact that the plots are allocated only through auctions that are held by the local administration. In this case, brokers promise to his client to win the auction. Prior to conducting fraudsters are taking a future owner to pay for half of the plot. Sometimes all the stops at this stage - schemers claim that they gave a bribe of amounts issued to them, but for some reason the auction won by someone else. Sometimes it goes further: auctions, in fact, won the one who wants to own the site. After that, the mediator takes the rest of the sum. Then the head of the administration signed a decree that the land is transmitted to the client. After the mediator in an unknown direction disappears and the buyer finds that the site be transferred from the land of agricultural land use in the settlement or anything like that is very expensive and not always possible.

Tips from "Bekar":

Natalia Khmelnytsky sure: to conduct any transactions in the suburban real estate market without major agency today is problematic. Real estate agency guarantees performance (under the contract agency is responsible, as one of the parties). In addition, in some cases to collect and document in the usual way is impossible. The Agency may notify us in advance and recommend solutions to problems. The final settlements with the agency client produces at the time of receipt of the documents confirming their right (under the current law). However, when you make a client through an agency to pay for reliability and professionalism. The cost of a complete package of design (depending on area) - from $ 1,500 to $ 2,000. Price may be lower, depending on the set of documents produced (and, correspondingly, the volume of services provided), but the minimum cost of services - $ 800 (less unprofitable to do this). Cost of services is about the same in all agencies of the city.

Even if the buyer is going to save money on services of the agency, should take care to consult a professional lawyer. Another important piece of advice: do not rely on the power of attorney from the seller - they can withdraw. Do not transfer money from hand to hand in the seller or other unsuitable places for this: it is better to use the banking unit. Also, do not trust brokers, even if they "own": for the sake of money, some people are willing to sacrifice the friendship. In addition, the design of parts in the property, especially after the introduction of trading in any case should not apply to intermediaries for help in the issuance of the Local Government Ordinance. Cases where instead of the site where you can build a cottage or even an entire housing estate, people get a piece of land where nothing can be erect, more frequent.

For the sake of saving money, or some people acquainted with the design of recourse to private mediators. These intermediaries may become as black estate agents, and employees of state agencies. The advantages of this method is quite conventional: the hypothetical savings in time and the relative savings in the design (usually mediator cheaper than in the real estate agency). But in this case the risks are very high. Disadvantages of this method of registration documents, according to Natalia Khmelnitsky, obvious to professionals. First, an agreement with a private person does not give any guarantee that the appointed time the client will receive the documents on which he expects to (many already have bitter experience of this kind). Second, these mediators take money for the payment of its services forward in the end the customer is not possible to control operations. Third, according to lawyers, the fact that a private person have to give power of attorney and the original documents, does not exclude the possibility of fraud. And most importantly - "private owner" does not guarantee not only receive a package of documents on time, but the general performance of the promised amount of work. Thus, the realtors are cases where customers, entering into relationships with intermediaries (giving money and documents) at the end of the agreed term of the original documents are received back with the comment "all the money spent on design, but nothing happened." The cost of private intermediaries varies and depends on the appetites of the mediator. Lowest cost - from $ 300 (for a minimum amount of work), but realtors can remember times when the mediators were taken and $ 1,500.

How to repay the loan in bankruptcy of the bank ?

With the global financial crisis shattered many of the activities of Russian banks: a high rate of loan growth that we saw before the crisis, accompanied by a lack of verification of borrowers, and banks currently face a shortage of liquidity, slowing growth in lending to the real economy and the outflow of funds from deposits.

"The panic of the population can topple any bank. Outflow of deposits by about 20% - this is the collapse of the bank," - said General Director of the State Corporation "Deposit Insurance Agency" Alexander Turbanov. According to the Ministry of Finance, the share of organized savings in deposits and securities decreased from 5.3% in August to 1.5% in September. In addition, there are mass layoffs of employees (in the investment and construction companies in some cases - up to 40-60% of staff), lower wages and delays in their payments. In this situation, the creditworthiness of the country, of course, falls. Borrowers do not fulfill their obligations to the bank and do not fulfill the conditions of the loan agreement: delinquencies are formed. Banks turn to the collectors, serves lawsuits, but this is not the most effective ways to solve the problem.

"To date, approximately 40% of Russians" live in debt. "Even if today people believe in their abilities, realizes that he can repay the loan, it does not give any guarantees, because in this case, the situation also depends on the stability of the bank that he is, and from changes in global financial markets. Legislative regulation of credit relations in Russia is poorly developed due to the fact that this phenomenon is still new and not obvious to all in our society, so that the mass of black holes here. Borrowers should be extremely careful and careful not to fall into one of them "- suggests research director at the company Profi Online Research Victoria Sokolova.

Whatever the fate of either waiting for the bank, the borrower will have to comply fully with all its obligations to repay the loan. Bank with liquidity problems, can offer its borrowers to repay the loan at a discount in the short term. But forced to act against the borrower's bank has no right. The borrower continues to pay off the body of the loan and interest, even if he was announced to revoke the license and possible bankruptcy soon. The borrower must still pay attention to the performance of its obligations: to the bank asking where to send money, because the bankruptcy of the bank shut down all accounts.

If you revoke the license of the bank bankruptcy trustee for a year collecting the tender amount. Gather all the debts on loans from borrowers. Repaid the debt to the creditors of the bankrupt bank. After that, the tender is selling a failed bank, together with its outstanding loan to another organization.

"In the course of bankruptcy administration dampens the borrower or the entire loan, and then either return it to a third party who acquires the right to claim in the sale of failed bank assets. Credit terms are not changed, unless, of course, the new owner of the rights of the requirements will not change them within the stipulated credit agreement. bank bankrupt by the court may require early termination of the loan agreement, but if the borrower faithfully fulfills its obligations, the court would have no grounds for an action - developing the theme of Alexander Osin, chief economist of the Criminal Code "Finam Management." - And, of course , we can not exclude that the banks are counting on government involvement in solving the problem of bad debts - perhaps due to their redemption. "

"The vast majority of borrowers are meeting their obligations to the banks. However, some banks noted an increase in the level of defaults. Sale portfolio becomes a way of improving the liquidity and solvency. On the other hand, specialized private equity funds and financial institutions (both Russian and foreign ) expressed interest in acquiring Russian loan portfolios "- analyzes the situation with loans Partner, Head of Transaction Support Mergers and Acquisitions PricewaterhouseCoopers Michael Knoll.

"For example, mortgage bank issues a mortgage a security and sells them to another bank. Bank, who bought these mortgages, the borrower shall send notice of the fact that he now serves on the loan is already in their bank account. That is, the situation is such that even with bankruptcy Bank of the borrower in any case, return the debt in full, but another bank. Tip one - not to spoil relations with the bank and do not spoil your credit history, in any way to mutual settlement with the lender. If mortgage or car loan, you may sell out collateral. If a consumer credit - you can use a loan from friends, relatives and partners. Output is always there, "- Vitaly is encouraging villages.

How not to buy an apartment without a loss deposit?

Continuing the theme of making payment for purchase of apartments, started last week, the "owner" learned some paradoxical cases related to the advance.
Of Realtors has such a joke: if you want to break a deal - invite a lawyer. Indeed, at first glance it might seem that lawyers sometimes too reinsured, that their doubts are unnecessary, because the real estate companies have established a practice of contracting, and the puzzling question of the theory once again sort of useless.


"Owner" has already written about how to make an advance payment for an apartment, what options there are and which one is preferable. It was an accepted and used universally by all realtors deposit and advance payment. It would seem, the subject has been exhausted. But the editors received and feedback from practicing lawyers, who oppose the current practice of making advance payment for purchased housing. Why not? Let's find out together.
Many lawyers are opposed to the practice of making advance payment for purchased housing. Why not? Let us examine together.


Imagine for a moment that you are - a potential buyer of the apartment. We looked at all like the apartment. Realtor offers a standard pattern - making payment by agreement of the deposit. In this case the buyer is usually painted by the following scheme. Once the deal goes through, and the sales contract is signed, the amount of contributions received is deducted from the total purchase price. If one of the proposed transaction will refuse it, shall apply penalties. Declined to a buyer, most likely will not get your deposit back. Refused to return the seller is obliged to deposit in double. Here are possible options, but one thing is clear: for all the participants for future transactions deposit is a certain guarantee that the contract of sale will be concluded within the stipulated time frame. The buyer makes a down payment, and begins to collect the missing money. Seller exempt apartment. Realtor collects the required documents. Everyone is waiting for the day when it signed a contract of sale.


So, let's not long before the appointed day the transaction fails. The landlord refuses to sell it, but to return the deposit in double size, and perhaps even in single, is not going to. Or the buyer refuses to buy, and the landlord intends to leave a deposit in his own pecuniary and moral damage. One person does not agree. Amicably agree not possible. Sounds sacramental phrase: "See you in court!" And then the fun begins ...
Now all previous agreements apply only one interpretation - a matter of law. And by law the prepayment, or as we call it, a deposit, earnest money is not inherently. Consequently, charged by the court, it can not be.
Lawyer tells Ilia Delyagin: "The payment of the deposit shall be allowed only on existing monetary obligations (§ 1 of Art. 380 Civil Code). Preliminary agreement does not create any financial obligations, as it follows from § 1 of Art. 429 of the Civil Code (preliminary contract has a duty to conclude a future contract). Payment of the deposit on preliminary contract is not based on law, and if the deposit is paid, the payment of a sum of money performed without legal basis. It follows that the amount of money paid by prior agreement, and called the advance party, is not, and the corresponding relations can not be extended to the regulation provided for Art. 380-381 of the Civil Code. That is the requirement to pay double the amount of the deposit provided for in paragraph 2 of Art. 381 of the Civil Code, can not be satisfied. "
That is, there is a risk that the court not taken place buyer will be denied recovery of double the amount of the deposit as a penalty. If the deal was not the fault of the buyer, the seller is also unlikely to be achieved through the courts for damages. It should be remembered that the deposit agreement as a way of ensuring fulfillment of the obligation is accessory, that is optional, an obligation. His auxiliary character manifested in the fact that an agreement on the deposit can not, for the time ahead of the conclusion of the contract pursuant to which the advance is provided.
In practice, our real estate market deposit agreement between the parties is usually separated from the main contract to its conclusion, while the law an agreement on the advance should precede the main conclusion of this contract of sale and its state registration.
So if the sales contract between the parties to the apartment at the time of the transfer of money as a deposit has not been signed, the deposit agreement does not entail legal effect.


Since the transfer of money to the seller the buyer is not based on an agreement (the agreement on the deposit can not be entered), such amount shall be returned to the buyer. And if the buyer decided not to buy an apartment, the court will oblige the seller to return the sum of the so-called advance in accordance with Art. 1102 of the Civil Code as unjust enrichment.
If the deal was not the fault of the seller, he had no obligation arises to transfer the ownership of an apartment buyer and compensation arising from the buyer for damages.
That is, the payment of the deposit as a guarantee to a certain contract of sale is actually no guarantee any of the parties. "The argument that paid" earnest money "confirms the conclusion of the contract, so his payment is valid, is not based on law. After the contract of sale of residential houses, apartments, part of the house or apartment is subject to state registration and is made from the time of such registration (Sec. 2, Art. 558 Civil Code). At the time of signing the preliminary contract is no contract for sale of the parties were not made. Consequently, it has not been registered in the manner prescribed by law "- continues to Ilya Delyagin. All this should be remembered when the realtor will ask you to make or accept money on deposit under the agreement


The buyer in a lawful refusal, or the Art of Trade
It is known that not long ago in the growing market for sellers of apartments actively raised the price on the day before the conclusion of the treaty, arguing that prices have risen. Now, the market is falling, they were in the reverse situation. Now the buyer of an apartment requires a lower price before the deal, because apartment prices dropped by several thousand dollars. Otherwise, he is insisting on the return of the deposit and refuses to deal. Here begins the litigation: who will get the deposit?
The owner of the apartment convinced that its advantages are obvious: because the deal breaks down the fault of the buyer, and seems to be a deposit under the agreement of the parties remain at his place. However, as demonstrated by the above appeals to the law and jurisprudence, the deposit is not a means to ensure the transaction, and if you want the buyer can easily prove that it is only unjust enrichment. However, only prove in court.


In general, only an experienced diplomat, who, and every realtor should be able to save the deal from the crash. Again, buyers in the current environment should be beneficial to contract an advance, which, on the one hand, to what they do not oblige, but on the other hand, came to nothing and obligates the owner of the apartment. This will help reduce the time of the transaction price of the apartment to the existing market levels.


In fact, the only reason which can "glue" the deal, the buyer is a desire to buy this particular apartment. So, sellers should try to increase the attractiveness of housing sold, because our real estate market, everything happens only on the good will of the parties, without the intervention of the law.

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