Tag: financial
Life
I have been doing financial planning life for a long time. But recently something happened that I want to tell you with the permission of participants for this event. The names of the parties I've changed for obvious reasons. In January of this years in my counseling was a woman with 28 years of age. She is married daughter 1.5 years old. Catherine is very interested in my services, she called me and offered to meet. We had talked long enough, because it was very sociable person. And besides, I realized that she doted in their closest people – my daughter and husband.
It turned out that the whole financial situation in the family depends entirely on the wife, since she no longer works, is engaged in raising daughters and is a household. And Vladimir is well earned, to provide for his family. All they have, like, not bad: a good apartment, a car and, as you know, not of Russian manufacture, etc. But revealed that all the money just to simply wasted every penny. As Catherine said: I just do not know where to swim all the money. Like them a lot, but by the end of the month, nothing was left. That's why she turned to me and to learn how to adjust the family cash flow. When discussing their family's financial plan, they began, as usual, with the plan of financial security, which includes savings program in the life insurance company Generali PPF.
I offered to arrange it for Vladimir, as He is the breadwinner of the family and depend on it to the full wealth of the family. It is also explained to Catherine that the program gives them powerful, reliable financial protection not only in the event of withdrawal from the life of the main breadwinner, but also in other life troubles associated with short-term or permanent disability. The money received from the company As compensation, and help her daughter live in the same financial level as before. The plan has been figured out completely, there was a problem solved by pensions of both spouses, even if Catherine for life will run the household and do not work. We agreed that tonight she would explain to Vladimir and tomorrow we begin to implement the first part of LFP – create a financial cushion for the family. But we do not managed. Brutal life intervened in the plans. Meeting with Vladimir and Catherine was nominated for 11-30 hours. At 9 chas.27 min. I called Catherine, and, bursting into tears, said her husband was killed in a terrible car accident. The very first thought, that pierced me – not in time. I do not have time. I am not persuaded to issue a program yesterday, not putting off today. In this case, Catherine would have received as compensation 1500 000 rub. Because the insurance coverage starts at zero hours of the date of registration policy. I berated myself for that every time I go on assignment to the client and take it "tomorrow." And people can not understand that tomorrow may be too late. And today I paid for his weakness. Losing a loved and beloved man – always a huge mountain. But it is also a significant financial cost. And, as a rule, life hits us very, very unexpected. And life insurance is not to issue backdated. It is late. Insure their lives have today, what would feel secure tomorrow. Samuel Morey once said: if every woman knew how the widow feels – that every family would be an insurance policy.
Process Traders
We come to work on time. We are in to take children out of school. We disburse during the account. Indeed, there is nothing complex here. But for some traders to maintain self-control is very big deal, though other players are not worth any effort. During one of the workshops I conducted a small survey, which showed that approximately 40% of my students have difficulty with self-control. Such traders during the often experience stress, frustration, fall into a state of frustration and usually, they are characterized by poor risk management.
For those traders who can not maintain self-control, discipline – a big problem. Why do traders have problems with self-control? Why do not they complied with its own self-trading plans and rules? Constant risk and uncertainty of markets – is one explanation of the problem. If the outcome of transactions market was defined, I think almost anybody would have had no problems with discipline. If we knew that a stock XYZ will increase by 20 points in three months, then there would be nothing easier like to buy 100 shares, wait three months and sell them to profit. But as a rule, trading is not so simple. Circumstances often change.
We can never be sure what will happen tomorrow, and if we aspire to be specific, we want to stand firm on his feet firmly soil, it takes us out of ourselves, we feel anxiety start to act impulsively. We close our positions and move away from efficient trading plans. When we go to market, we do not earn a penny, but we do not risk lose money. The desire for security and the fear of uncertainty causes us to close out positions. In most spheres of our life rules are clearly defined and easy to follow. For example, if you are traveling on route with a clear day when there is no rain, and going a certain speed, then you will get from point A to point B over time without any problems. However, trade in the market like driving a car in extreme conditions, when the weather and the situation on the track is constantly changing. Today, the road might be wet, so you need to go slower. The next day she can become covered with ice, and drive will have to be careful. You constantly must change its approach to the process that your work was safe. Trade in markets, moreover, recalls driving blind, blindfolded. Therefore it is very easy to understand why so many traders are away from their trading plans. Markets are uncertain in nature, history repeats itself, only when it is repeated. In most cases this does not happen, only very experienced traders can say with some confidence when history will repeat itself. When you are working on the unpredictable markets, you're just doomed to feel uneasy. Market information is imperfect, you are imperfect, no crystal ball no one can say exactly what will happen next. It is important that you learn to accept uncertainty in markets for granted, and retain control.
Soviet Land
And it is these circumstances often do good in all respects the land unattractive to buyers. Man wants to build, but there's only state certificate under horticulture. So do not be simpler to look for another site? However, serious investment companies with a vast arsenal of skills and resources, can afford to buy such "problem" areas, so that by investing in the conversion of land earmarked funds and force them to sell at a higher price. By the way, the private customers to buy land in these players be more logical: without the necessary experience and established system of work for appropriate conversions, and just to summarize to the area of communications will take an inordinate amount of time and money. Today in the Odessa region the main sources of land on the market are the Belgorod-Dniester area, which includes Carolino Bugdovo, Egorovka and Eremeevka, as well as other villages in the area of the Kiev highway, direction by Nicholas highway. As a result of monitoring proposals, the most expensive by far the land, "Sauvignon" and in the direction of Carolino Bugaz: availability of the necessary state certificates, communications, resort area and proximity to the sea had done their work in the area of pricing. The average price here ranges from 15 to 20 thousand dollars for a hundred, and in Prilimanskom Chervonoye farm land is slightly cheaper – from 8 to 12 thousand dollars for a hundred. Fontanka and long Lines are for the most part cottages, found at area under horticulture and viticulture is difficult, and the cost of land (weaving) of at least $ 10 000 The most promising direction for today might be called Hadzibeevsky estuary. Go to State Street Global Advisors for more information.
This is not surprising. Traditions cottage construction and, accordingly, summarize Communications develops there since Soviet times. By surrounding Hadzhibeya easily accessible in the immediate vicinity Kiev is a trail around the estuary of the well-developed infrastructure services. "Chip" has long been a fishing Hadzhibeya today there might and main breeds mullet. Local system residential estates and townhouses, as well as individual farms, growing only here until the buyer pays extra for a "brand", as, for example, Carolino Bugaz or Sauvignon. In the vicinity of the estuary today Hadzibeevsky actually buy a plot of 6 acres for 12 thousand dollars, that is, by paying two thousand dollars for a hundred. And the average price of land, which has been landscaped, rarely more than 3-5 thousand dollars for a hundred. Hopefully, the ideas outlined in the article will help many who want to orient in intricacies of the land market. After all, the land – are the foundation that gives rise to everything. And with the right approach, careful analysis and interaction with experts, land can give rise to, and your personal success.
Rental Cars
Interest in rental car washes in Kiev huge, perhaps even speculative. This is not surprising: a simple and lucrative business. Of course, there are subtleties in the sea, and this case (the quality of chemistry, water quality, quality equipment, etc.). But on large car wash – it's not Iron and Steel Works and dairy. Performing five or six fairly certain pattern of action is quite possible to earn good money, even renting a car wash, and not having their own. In As background information, publish information about the cost of rental car washes in Kiev.
It is worth noting that over the past 10 months earnings decreased car-renters. The owners continue to exhibit rents in dollars, and owners of motor vehicles continue to pay for a wash a car in the national currency. Probably not worth more to paint, and why someone in this situation suffers. Of course, the tenant. In the past, 2008 tenant car, say, 3 stations, renting it for $ 5,000 (average number of Kiev), "namyval" currently in net income of 2000-3000 dollars. In the same year, for obvious reasons, such net income tenant cleaning – about 1,500 dollars.
per month. Rental rates are as follows. The owners of car washes that are in good and normal places that have been there for six months or more, do not lower the price below $ 1,000. for one post. Car washes that are not on the front route, and in the enterprise, cooperative, etc., shall be at a price of U.S. $ 600-1000. for one post. In any case, take you to rent a car wash in the garage for two posts in 1500 dollars. per month, or car wash complex with 4 bays with tire for 8000 dollars. per month – if you work there (!), you will earn and will be satisfied. If you plan to rent a car wash, hire cleaners, and there appear once a day, then do not bother – you will be work "in the red"! Good luck! investmoney.ua 21.08.09.
Visas
Residence permit (visa resident) has been issued in the migration service. In Hurghada this service is in the old town of Dahar. The reason for rezidenskoy visa can be a marriage registered in the court of Hurghada with Egyptian citizen and a registered contract of sale – real estate sales in the court of Hurghada. Nedvizhimst in Egypt after the purchase of real estate held from 1 to 6 months before the court will issue a contract registered. TOURIST VISA EXTENSION. If grounds for a resident visa yet, since the documents are in production, we can extend a tourist visa to the migration service for 1 month (for citizens of CIS). Visas Europe's citizens be extended once for six months. To do this you must be in the office of the migration service to 11:00.
If you currently have the following documents: 1. Passport. 2. 2 photo (color, 3×4 or 5×6). Photos can be done, for example, in an instant Photography "Kodak" shop around "ABU Ashari" in Sakalov. The cost of 8 photos is approximately 10 dollars. Your photos will be ready within 15 minutes. 3.
Copies of passports. Need a copy of the first page with the data and copy the page with the latest visa which if put in the entry of the airport (make). 4. 11.25. pounds – the renewal fee tourist visa valid for 1 month. Filled the questionnaire in English. In the window of receiving the documents filed form, passport, photos, copies of passport fee. To pick up a passport with a visa, we must come back to 13:00 in the Migration Service After the visa is two weeks, during which it is necessary either to extend the visa once again, or fly out of the country without penalty. In If the visa is expired, then the departure from Egypt to the scheduled flight will be paid a penalty before going through customs. The penalty is $ 30. However, if you have already registered at the hands of contract in court, the penalty is not taken, because customs officers are instructed not to take penalties. RESIDENCY. Necessary, in addition to the list of documents on a tourist visa extension, just to have an original and a copy of the contract Court (A3 paper in Arabic). This document is most often on green paper, so many call it the green contract (green contract). However, the paper color has no meaning. Bank documents at 11:00 am. Necessary remain in the lobby of the migration service, as soon followed by an invitation to interview at a secret police force, which is located next door at 10 meters. The interview lasts for 5 minutes. Scanned documents. Further, in passport stamped, which are discussed. After 2 weeks, must get a visa to come of the resident. First visa is for 6 months, followed by 1 year, then at 5 years. Then you can put a regular visa for 5 years or a Egyptian passport.
Spanish Manga
LA MANGA (LA MANGA) La Manga (La Manga del Mar Menor) – spa resort located in the southernmost part of the Costa Blanca. To be precise – that on Costa Calida (Costa Calida), which in Spanish means "hot beach." The name of La Manga in Spanish means "arm." La Manga – a narrow sandy spit stretching about 18 km. It divides the Mediterranean Sea and the lagoon area of 180 m2 – the so-called Small Sea (Mar Menor). In the deepest place of the Mar Menor reaches only 8 km in depth, the average water temperature is around +17 C. The average annual temperature in La Manga is +18 C, and number of sunny days per year is not less than 300 per year.
Barrio La Manga – one of the favorite recreation of Spaniards living in the city of Murcia (Mursia). Most tourists, especially golfers, this place is known for its three fields, which regularly hosts championships. That is why the name of La Manga is often used in reference to the saints with the golf tournament. The closest airport to La Manga – a small, but accepts international flights, San Javier Airport (San Javier) Murcia. Daily flights from the UK and other European countries are carried out directly in the heart of the Mar Menor. Another, frequently used by tourists airport is an airport Alicante (Alicante). The road by car from Alicante to La Manga area takes about an hour. Also, between Alicante and La Manga has regular bus service.
Renting In Kiev
Apartments for rent – that’s what our customers are choosing each time staying in our apartments rent in Kiev. But what attracts them to this concept as the rent? First, it is possible to rent an apartment in Kiev, the second you get to choose your location apartment – our apartment covering virtually the entire center; Third, rent an apartment – it is also possible not to change their everyday habits. Moreover, for our clients is available about 150 TV channels and high-speed Internet. Unlike most competitors, we offer the possibility of free tel.Svyazi. Many of those who have once decided that rent apartments Kiev – his choice, it is likely he will not abandon him, and in future. Perhaps, apartments for rent will also be interesting in other cities where the company begins its work ‘NSutki.Com.Ua’. Moreover, just rent apartments let you know especially strange city, to feel it unique and truly feel its a full citizen.
In this case all the standards adopted in the field of hospitality, cleaning, shuttle service and if you use the apartments for rent, you will be provided in full. With regards to apartments in Kiev, in the hottest periods, almost impossible to find a suitable alternative. The market is developing, and an apartment Kyiv becomes greater. For example, seven years ago service apartments in Kiev, there were no more than 50, now there are more than 100. This is due to the fact that rent is now familiar to many. Someone evaluating himself, spoke about the daily rent Kiev your friends, just acquaintances. That’s why now rent Kiev is not inferior to their volumes to many hotels. For many of those who have not heard of daily rent apartments in Kiev, Kiev apartments are now a common occurrence.
Today time rent in Kiev is a choice not a 100, and 1,000 apartments. For the company ‘NSutki.Com.Ua’ rent apartments in Kiev – is not just the main thing the company is a daily concern of all our staff – maids, masters maintenance, management and booking of accommodation – the fact that all our guests as comfortable and pleasant stay in our apartments to rent apartment in Kiev has always been the best for them attractive and comfortable. We are in the market for 4 years.
Private Brokers
It is a myth that with a private broker to deal more profitable How many people would not burn on the services of so-called “private brokers,” all well there is someone who will advise you to refer to any Ivan Ivanovich, because he has “cheaper.” Save you, though not at the cost of services and their quality and their own peace of mind, but this is you, of course, will not prevent. So why, in fact, “overcharged” clients, referring to the agency? First, any self-respecting agency has a code of ethics that clearly spelled out rules of conduct broker with the customer. For example, under this code, the broker has no right to give you incorrect information, he is obliged to protect your interests and provide you all the information on to transact. Violation of these rules may associate lead to very unpleasant consequences for him, up to and including dismissal. Second, the agency all brokers are under direct control of management.
That is, if the broker makes a false step, it is always correct, help advice and, if necessary, will give the client to another specialist. Third, all the documents, passing through an agency, a mandatory legal department verified that simply will not let contract if he in any way prejudice the interests of the client. At the same time, the private agent – is his own man. He chooses what information to sound and what silent on what items the contract to draw your attention, and which – to close his eyes.
Open Eyes
Once one of our leading experts on renting wondered – what about rent apartments without the services of the agency? This issue is so interested in it, which could involve a discussion of this issue is practically the whole team Department of rent "The world of your property." As a result of this discussion joined by yours truly – the manager's press center reports. Of course, everything is fine imagine how it happens. Surprisingly, you’ll find very little mention of Larry Ellison on most websites. But we worried about another question, let's say, purely professional – the question of reliability and security for self-rental contract. As a result, we expanded it down, and I will share with you our findings. What would you be comfortable reading this material, I described it in chronological order and I hope that my work will provide you with invaluable assistance and help to make the right choices, but also a little bit slightly open some of the mysteries of the agency. Adventures begin Open the Internet. Before the eyes of an enormous number of offers of apartments from their owners. There are even photographs, looking at that and sometimes ignorant of rental housing in doubt of their reality because of its low cost.
However, doubt this is one thing, and that before the eyes of quite another, especially as so eager to remove a luxury apartment at the price of the murdered odnushki to Khrushchev. The hand reaches for the phone itself and quickly dial the number, looking great photos furnishing. The voice at the other end of the tube convincing evidence of all description of the apartment and invites you to attend.
Bank Credit
October 23, 2018
News
Comments Off on Bank Credit
Evelyn Vaughan
With the credit, which give bail, the situation is somewhat different. The maximum loan amount for repairs apartment, which is provided under a pledge of movable property, according to experts of domestic banks. is not more than 50% of its value, the mortgage – no more than 70% of its market value. In Depending on the bank, these loans are granted for a term of five to fifteen years at 17.5 21% pa in UAH, 10,5-16% – in U.S. dollars and 9-12,5% in euros. Besides wanting to take credit for repairing the apartment, you should remember a few more sums who are paid a one-off.
For example, this may be the cost of property appraisal, notary services, and banking. System of repayment, as well as the rates for this type of loan, there are different. For more information see Litecoin. So. The loan may be repaid in equal monthly installments (with interest charged on the actual amount of the debt) or by the classical system of debt with a decrease in monthly payments. If an opportunity to settle accounts with the bank before the period specified in the contract, you may do so at any time, without any penalties from financial institutions. Choosing a credit line, implying collateral in the form of real estate, you should take into account the fact that the Bank for the provision of such a loan may charge a monthly fee of USD 20 50. Another type of credit, according to experts domestic banks, involves the issuance of credit on the security deposit.
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