Ringtones

Ringtone - sound, melody, played on the cell phone to alert an incoming call. Various models of mobile phones can play as a ringtone or ringing sounds - from simple odnogolosyh trills and polyphonic ringtones, or any sound recording in a file. Sales of ringtones and uploading them to the users cellular phone networks became one of the profitable lines of e-business.

You can create own ringtone, using music in various formats, is available to the user on his personal computer. Programs for creating ringtones usually combine the functions of editing music, convert to ringtone format and send the created ringtone to your mobile phone.

* Edit. The minimum set of features usually include the possibility of defining the boundaries ringtone, speed, volume growth at the beginning of the fragment and decay at the end.
* Conversion - for ease of conversion to ringtone format, some of them have a base of cellular phones. Found in the base of your phone, the user can further select one of the formats that it supports the model.
* Mailing - a ringtone can be sent to your phone in different ways: using a USB-cable, bluetooth or IrDA connection, using the e-mail or via the Internet.

* Mono - the phone plays a set of notes, no more than one note at a time.
* Poly - the phone plays a few at a time. One of the formats that ringtone - MIDI.
* Real - play recorded music in digital format. Examples of this type of ringtone formats: AAC, WMA, MP3, Ogg and others.

Bad Bank would do the other banks the U.S. «good»

The new scheme is working with banks and their problematic assets, approved by the Federal Reserve System (FRS), United States implies the creation of the bank, which will absorb the problematic assets of banks. This measure would scale «clean» the balance sheets of banks from the «bad» assets, and may help some of them to start issuing loans, so that should be the U.S. economy.

In fact, it is an analogue of the purchase of problematic assets held in October 2008, the difference is that now unprofitable assets will not «hold» on the balance sheet of the Fed, and that banks did not participate in the program despite everything, will be able to any time apply to the «bad» Bank, explained the analyst «Aton» Inga Foksha.

«But the answer to the main question - how much all this will cost, that is, how much will be allocated funds in the capital of« bad »Bank - remains uncertain - she continues. - It can be assumed that the potential amount of problematic assets close to the category of assets, which in the United States refers to the assets of the third level. These are assets that have lost a substantial portion of its value or have no market price or the market generally, and their value can not be adequately assessed. All the write-off, pass through this category. The amount of the assets of third-level 1290 data on U.S. banks (although their 2900) today is $ 1.752 trillion. This is roughly the amount that can be spent on purchase of problematic assets through the creation of «bad» bank. Of course, not all the $ 1.752 trillion will be unprofitable, but on the background of what has so far written off by banks U.S. $ 734.6 billion, we can assume that at least as much to be lost yet ».

In the next two weeks, Barack Obama, the administration must make to the package of measures to stabilize the banking system, which will go down and the creation of «bad» bank. These measures and their discussions have a positive impact on the market and, especially, the banking sector, says analyst. Events are deployed around the «bad» Bank could be an idea for speculative game in the banking sector.



Finans.-online