init empty settings by default

client/src/main/java/ru/trader/Main.java

@@ -22,7 +22,7 @@ import java.util.Locale;
 
 public class Main extends Application {
     private final static Logger LOG = LoggerFactory.getLogger(Main.class);
-    public static Settings SETTINGS;
+    public static Settings SETTINGS = new Settings();
     private static Stage primaryStage;
 
     @Override

client/src/main/java/ru/trader/Settings.java

@@ -12,6 +12,10 @@ public class Settings {
     private final Properties values = new Properties();
     private final File file;
 
+    public Settings() {
+        this.file = null;
+    }
+
     public Settings(File file) {
         this.file = file;
     }