Mortgage Loans

Dreams of their own home visits, most of us. If you do not have a corner – you desire to acquire them. If you have a house – you would like to improve it. Someone wants to move out of town closer to nature, tranquility and fresh air, someone on the contrary, I would like to live closer to downtown or near the work. Save money on housing right now is impractical because keep up with rising prices is virtually impossible. So how can that be? – You ask. In Currently, if you have a good savings, you can not or do not want to sell existing housing remains fairly one way out – the mortgage. Now, almost all banks provide such loans, the newspapers are full advertising, with posters and placards are looking at us the happy faces of owners of new apartments.

But is simple and bright. Let's face it. At first glance, everything seems not so difficult. Collected papers, waited for approval, selected housing, and now you are in a new apartment. But probably not for nothing that mortgage lending is in the banks one of the most complex credit lines. First, the package of documents necessary to provide more than for other loans. Second, the approach to the analysis, as both you and your income is much stricter. Third, finding housing and conduct of the transaction – this is a very crucial stage. Where to start? We must start with a common understanding of their opportunities.


See the world in the field of insurance companies are generated each time new entities, plans and services that seek to position in the insurance market, trying to earn a place in the ranking of the best companies providing such service, therefore such new products or services have to be accommodating to the conditions of living in the reality of today’s world, therefore these entities would be that the process of technological progress have led to development of own resources in the world today, so how insurance companies have begun to innovate in the services provided through the media or direct channels that technology has made available to all people, often avoiding having to go out and lose long periods of time in lines or other matters such direct service channels is what is known as on-line banking where you can have facilities like the Internet and telephone media, so an insurance company that goes in the pattern of this type of service is genesis company insurance, which is one of the leading companies in the marketing of insurance products and services through means of direct banking or online banking.

Genesis Insurance Company is specialized in regard to auto insurance, housing and motorcycles, plus the genesis insurance company has the backing of belonging to the group Liberty Seguros, which is one of the assurance services group with more presence in Spanish territory, in addition to this, a process accompanied with success and rapid development organization supported by the base or stem which is Liberty Mutual Group, which is typical of the United States of America, based in Boston, which is one of the best in the American market. Genesis safe from initial presence in Spain in 1988, has always commanded the stop on the model of direct care or home banking, insurance genesis currently has about 600,000 customers, who have opted for services provided by the company to ensure the cars, homes and jet ownership.

Among the aspects that make insurance genesis prominence in the insurance field through direct channels, is that it has excellent training and provision of more than 500 employees have available to clients to respond immediately to customer seeks advice or services through direct channels, in this case would be the phone itself, in addition to this plan for customers, genesis insurance policies have a very good quality, which leads to prices that are easily, since they can offer savings up to 40% and the trend is toward highly for the bonus, which can reach up to 65% in addition to managing unwanted events are of an early response, which makes customers maintain their appreciation for the company.. Learn more about this topic with the insights from REBNY.

Reunite Debts: Debt Problems

One of the biggest problems of modern society is over-indebtedness of households. This is due to a huge increase in the price of flats and interest rates make mortgage payments up to the limit, which implies that all parties intended at times the monthly salary payment of financial obligations. To this is added the loan of the car, card receipts, credit for the purchase of household appliances. All this means that families often can not reach the end of the month on their salaries, which can ultimately lead to the seizure or auction house. Click Expert on growth strategy to learn more. The solution to this problem is the reunification of debts, which is to consolidate all outstanding debts into one loan rate mortgage, usually at a lower interest rate (resulting in savings), resulting in a much lower monthly fee, but extending the length of repayment.

In this way families can get better off to make ends meet. The resulting credit may even exceed the amount of any debt, which the customer must pay the costs of the operation. A reunification of debts is a salvation alternative face repossession or auction property. With this solution we must be careful because if our economic conditions change favorably the consumerism that can take us over the years, we continue to owe the bank the same amount of money before (a loan for a new car, home furnishing , credit for the trip to the Caribbean, etc). It is advisable that before going to sign a transaction of this type, it should expose the bank to our problem and ask for an extension of mortgage, to cancel all outstanding debts. Usually continue to pay our mortgage but the repayment period extended it.

Rental Housing

Market rental housing in Orenburgenachal gradually stabilize. In the first place as evidenced by the decline in growth in rental rates from 20-25% in 2004 to 10-12% in 2006. According to experts, this is due to several factors: change in the ratio between the dollar and the euro appreciation of the materials for repairs and the rising cost of utility bills. In addition, a few years ago return of the apartment lease was no more than 10-12 years, today due to the growth in house prices this period increased to 20-25 years. The movement to stabilize over the past few years, growth in rental rates for apartments in the Orenburg? Seriously slowed down, which is not the cost of growth square meter. This is explained by the fact that handed over apartments is available now as a business, and is considered only as temporary housing, while the tenant is always seeking to purchase their own homes. 'This year, in connection with a significant rise in price of real estate significantly decreased the profitability of rental housing.

Thus, in her words, the yield from rental to market changes without decreased to 4-4.5% per annum, which makes Apartments for rent lease is not so profitable delom.Krome order to solve the housing problems of today, there are many different tools. "Today was more actively used in mortgage lending program, was growing segment of consumer lending and so on. In other words, our people began to realize that it is possible to live in debt, but today and in comfort. "According to experts in this market, people of middle income who can not buy a house and forced him to shoot out, after accumulating a sum unlikely to want to pay big money to purchase a house in Orenburg – they certainly make their choice in favor of the suburbs. This is another reason why the rental rates on the dynamics of growth is unlikely to catch up with the 'purchase meters', although, of course, prices will rise. 'The main change in the market can be called a slowdown in rental rates with 20-25% in 2004 to 10-12% in 2006. The growth in rental rates due to increased cost of housing sales, a change in the relation between the dollar and the euro appreciation of materials for repair, the rising cost of utility bills. " Rent practice is estimated that two-bedroom apartments remain leaders in the structure of supply in August, they accounted for 38% of the market rent.

However, the most popular among the tenants are studio apartments. 'This segment of demand exceeding supply by more than two times. Thus, still remain the most popular low-cost studios kvartiry.Igroki market are predicting that in the near future shortage of apartments for rent, especially in economy class segment to continue, given that the large influx of investment apartments in the rental market is not planned. This is due to the fact that not all so-called investment flats may take right away. 'Part of the investment apartments are under construction, part – repaired. According to my estimates, about half of these flats will be offered for lease. However, their number is unlikely to satisfy demand, especially in this segment, as the economy class.

Tips For Buying A Property Real Estate

Before beginning a process of buying a home is to make sure that this is fully in order to be sure not to meet with surprises once we start with the signing of the contract. In the case of resale properties important steps to follow are: "Check the seller's ownership for what needs to request the deed to the property with a note of registration in the registry. Once done we will make sure that the seller is actually the owner of the property and as such has the power to sell it. "We must also check the status of housing costs, which we apply a simple note to the Land Registry, our bank is responsible for conducting such verification as to the steps that are necessary for the firm. "We must ensure that the apartment is not rented, and if paid the final tax bills and assessments for the community of owners. REBNY is likely to increase your knowledge.

"It's also good to ask for a copy of the Statutes of the Community to learn about new rights and obligations. And verify that there are no extraordinary expenditures which do not have to take over as new owner. The costs arising from the sale belong to the buyer, except goodwill. Among the expenses that we must take from the sale of second hand property are the Transfer Tax (ITP), this is applied to the purchase price that is indicated in the deed of sale. His charge is different depending on the Autonomous Community may even vary within the same according to circumstances.

The Spanish Association Against Noise Polution

The Spanish Association Against Noise Pollution (AECOR) continues its efforts to disseminate information on the CTE DB-HR, this time in the province of Caceres. The manager explained, in this fourth day, this document provides interesting developments in acoustics, is Juan Frias AECOR secretary. Frias has informed not only of these innovations compared to previous legislation, but the benefits that the DB-HR leads, increasing the acoustic quality in Construction. “The DB-HR is a necessary step towards comfort in housing and quality of life. Swarmed by offers, Expert on growth strategy is currently assessing future choices. Its implementation is quite feasible in our country and meet the key aspects that should have regulations for their implementation, ie their application is possible because the requirements are not excessive, solutions and tools necessary for their implementation are known and available on the market, “said Juan Frias.

The DB-HR establishes minimum conditions for design, construction, maintenance and use of buildings to reduce discomfort or disease generated by noise. One of the main novelties of this paper is that verification is possible in situ, by measuring the work completed by accredited laboratories, the airborne sound insulation in both walls as partitions between dwellings and noise isolation impact elements of horizontal separation between dwellings, and the reverberation time in the enclosures as required. To AECOR, the CTE is the most effective response to the demand that the company has been doing for several years, in terms of sound quality.

Science Geographical Specialist

To travel the nearly 10 km. that separates the valleys of San Vicente Vinales and take a road where you can see beautiful scenery, including high mountains which separate the two valleys, which are crossed by a narrow gorge where the road is built. In the high walls of the gorge can be seen the curious landforms that hang from the walls and the water has sprung up over the million years of existence of the site. He, on the northern edge of this valley is the oldest of Vinales, very comfortable and different from other built in the Valle de Vinales. To reach the same cross a small river that emerges from the limestone mountains near the hotel, which is composed of multistory buildings, but more than 50 small wooden cabins and rustic two-story, scattered within a small forest. All are situated around the swimming pool, thermal baths and sulfur and an area devoted to massage using medicinal mud. It is common to see and hear the birdsong and the murmur of wind in the trees. If the Vinales Valley is to observe the characteristic combination of the action of man and nature, in the San Vicente Nature has a role.

From hotel is within easy traveling distance of the cave known as Cueva del Indio, where you can enjoy a boat ride along a river that flows inside and see tourist resorts built on some of the caves of the wooded hills near the hotel. The communication between the two valleys is very easy. Many prefer to travel between the two on foot or by bicycle. You may want to visit Expert on growth strategy to increase your knowledge. Others use a transport that makes daily trips between Vinales and San Vicente, which in addition to allowing rapid communication between the two places, gives the possibility to stop and walk small sections and re-take the next trip. This makes it possible to take pictures of places depending on the interest of the traveler without having to stop the vehicle. Another advantage is that they can use throughout the day and take it anywhere on the course and pay once. You know where to stay.

In Times Of Crisis Losses Generalize, But

The economies of countries contract, the household wealth diminishes, even there are cases where people lack a real lost income. Investments in real estate and shares of companies, among others represent opportunities for those prepared to seize them in times of crisis are widespread losses: Real estate lost money because of low demand, reducing their value shares in markets increased risk aversion of participants in accordance commodity prices down by less consumption, interest rates are cut on capital invested by monetary policy, the currencies are devalued by the loss of strength and disorder of the economies, companies lose sales, lower losses and gain profits. People generally see their incomes fall to reduce costs, restructure debt, resize business, train, taking losses in their assets. Exploit opportunities in smaller proportions of a crisis, unless it is prepared to address it, make a portfolio investments in new economic cycle will come to overcome the crisis. Robert Speyer will undoubtedly add to your understanding. It is convenient to move your money, look you: For those who have an investment of one million pesos in gross numbers would receive 45 thousand dollars annually for interest, inflation your money lose its value in 60 000, equivalent to 6%.

In Mexico real interest rates are negative, for our example would be the annual loss of 15 thousand pesos. However, if you buy with that money for renting real property may receive at least 60 thousand dollars per year and your investment now would keep prices depressed, and out of the crisis to return its value with a profit of 15,20,25% of course there are financing options and not descapitalizaria. Analysts project earnings incredible in the stock market: Citi Bank shares Grup (Banamex) trading at 40 pesos, 18 months ago 330 pesos, Axel (telephone) to 7 pesos, 18 months ago at 27 pesos; Ica (construction ) to 23 pesos, 18 months ago to 75 pesos, to give some examples, the reduced risk aversion who invest now will get spectacular gains, of course have to be cautious and not what we may need to invest in the medium term. After all, remember the old proverb "give no weight to that is three …"

Real Estate Sales Contract

The sale of a property often is asked by customers about fears and doubts because of the impossibility of verifying the property before purchase. One of the most important steps in this process is the signing of private purchase contract between two parties that will be raised to the public at the time of delivery of housing. This contract is valid even if not formalized before a notary and requires the parties in all respects. According to the Royal Decree 515/89, the contract also must be drawn with absolute clarity and simplicity, responding to the principles of good faith and fair balance of obligations from both sides, which is expressly contain the prohibition clauses:

Do not indicate precise data on deferred price, annual interest rate or terms of repayment of outstanding balances. Let the seller increase the price discretion to impose deferred or price increases for additional concepts without the buyer’s decision. impact the buyer mistakes or not attributable to him. Impose on the first sale to the buyer’s obligation to pay costs of preparing for certification that, by law or by their nature, correspond to the seller. Expert on growth strategy usually is spot on. Give one party the right to terminate the contract at its discretion.

The contract also should provide a number of basic aspects related to the buyer and housing such as data identifying the seller, builder and architect. You must include the name, age, address, NIF and CIF. It should also be clear that both parties have legal capacity to act. Also, a complete description of the house: floor plans, building specifications, site plan, building permit, general description of the building, the property registration data, by-laws of the community, the construction phase and expected date of delivery of the keys. Terms of the purchase price of the sale with the detailed breakdown of taxes and payment are also mandatory. Indicate who will carry out the contract and expenditure additional taxes. Signature of all contracting parties. In this sense, then, the previous analysis of the contract, checking the accuracy and adequacy of all its clauses and paragraphs, it becomes the best ally to ensure that the home purchase is an investment without risk.

Acceptance of Others

These are the words of an old master on his deathbed. “When I was young, my heart ached for the violence and injustice of this world. I wanted with all my heart give a deeper meaning to my existence. Others who may share this opinion include Nobel Laureate in Economics. I wanted that when I died, my life would have served to make a difference in this world, but I had to pay a heavy price for doing so. Robert J. Shiller understands that this is vital information. And so my prayer was “Give me the strength and wisdom so that my life will help to improve the unfavorable situation of this world.” After being a mature man, I realized that he could not change anything, that the world remained the same or worse.

I was frustrated because I felt helpless, then I changed my prayer as follows: ‘Lord, since I could not change the world, give me the strength and wisdom to help change my family and my neighbors. ” Now that I am an old man, I realize how naive and arrogant that I was trying to change others. In my childhood I was taught that all my problems were the fault of others, that my happiness and my progress is not depending on me. How wrong they were. As squandered my life noticing the mistakes of those around me, blaming others for my problems instead of focusing on recognizing and correcting my mistakes, my prayer now: “Lord, give me the strength and wisdom to learn to see and recognize my errors, to use my strength and personal power for every day someone who knows how to grow and choose constructive action instead of the complaint. ” Our lives would be lived differently and more flavor, if all that energy that we spent on blaming others for our problems, we would use in solving for help from others, making us responsible for our decisions, or decisions not taken and that should be taken, since most of what happens to us is because they attract. Little can be done to change the rest, and much to change how you perceive yourself. If you have not already done so, you can start by acknowledging and assuming that no one will change.


Aiguafreda is isolated but it has access for handicapped people and parking, although carce of showers and toilets. One is a beach without sand that can be considered a wharf, more than a beach. According to Robert J. Shiller, who has experience with these questions. It emphasizes the Diving Center where diving can be learned, to rent equipment, etc. Normally the level of occupation of the beach aiguafreda is high. Aiguablava This beach has 75 meters in length by 25 meters in width and it is characterized by its very fine sand.

In her the well-known National Inn of Aiguablava is located, and although it is an isolated beach has access to handicapped people. Like in the majority of beaches of Begur, the level of occupation of Aiguablava is high. Sa Bigeye tuna This beach has 80 meters in length by 15 meters in width. It is a precious and paradisiac beach, but it has the disadvantage of which she is excessively rocky: the sand mixes with pebbles and stones. One of the enchantments of this beach is that it welcomes great amount of barquitas of the fishermen of the zone.

Usually she is quite full in summer. Sa Riera This beach has 180 meters in length by 30 meters in width, reason why she is greatest of the Begur, although also most well-known. In addition, this beach has all the services, apartments, mooring of boats, camping and has granted him the symbol of the Blue Flag by its services and their beauty. Normally the level of occupation of this beach is high. Beach Boardinghouse This beach has 170 meters in length by 20 meters of width and must their name to their characteristics: it is like a dark and rough sand cliff. One is an isolated beach, which makes the access to her difficult, whose dark composition is of gray sand. It is located between rocky walls with vegetation of pines, with a tuna natural surroundings, but it lacks equipment.

Some Interior Design Tips For Extreme Cases

One of the drawbacks of living in a crowded city lies in the rationalization of space and high cost per square meter. Another is that in metropolitan centers of culture and fashion trends abound and are installed as Latin American dictatorships in the twentieth century and what is new and modern today, and will not be tomorrow (this is the great paradox avant-garde artists of the ’20s, now called historical avant). How to keep up, now? If we accept that the word cool is an empty category to be filled, at last understand why we ended up accumulating objects that become obsolete or outdated (ironically, the more fresh and modern is the object more rapidly become outdated, and so, after a year-to be optimistic and say six months or two-we should buy a new mobile phone because our new and old, is G3 and G4: the fate of the numbers is ineffable …). We will discuss the best options to furnish spaces taking into account current trends in interior design and fashion furniture, fashions and trends which, fortunately, have remained stable for a longer time period. When it comes to departments and small departments, one of the biggest challenges lies in furnishing a 1 room and 2 rooms (bathroom, kitchen, two bedrooms): combining the spaces and make them “multifunctional.” Of course, the bathroom will remain kitchen and bathroom, kitchen, the vast majority use one room as bedroom and the other as a living-dining room.

specialty. Clear glass furniture, despite that fashion are imposing black-glass furniture is a great help to create the illusion of space and functionality to complement it with a transparent or opaque glass. Seizing the corners: The corners are the areas most “unruly” especially when trying to furnish it. However, there are furnishings that are designed specifically for space corners. Locate a corner can be a strategic choice: for at this angle is increased visibility they have the TV at each point of the room. When using a conventional TV cabinet, it is preferable that the display is low, not to decrease the height of the walls. In the same vein, one for corners is also a good way to optimize space, and students also are useful with desktop PC furniture and shelves. Decoration: For some, not feel guilty for not displaying at home small objects such as figurines, ashtrays and ornaments in general when they are gifts for others, try to resist the temptation to acquire it unnecessary universe of objects once they have accumulated enough of them at least clear that wish to create a modern replica of the Rococo cloying.

A pair of decorative objects as two statues and vases are not harmful, but always keep in mind that there are other more suitable objects: the pictures are one of them, since they use the space wall instead of the small amount available. Mirrors are great illusionist trick, because they serve not only to amplify light, but also to increase the spaces. The Hall of Mirrors at the Palace of Versailles is the great example: mirrors, windows reproduced that are in front of them turning themselves in windows overlooking the garden of the palace. (For fans of the mirrors, there are today, mirrored furniture).

Interior Ministry

The number of ethnic Russians in Antwerp has increased Falcoplein the square at its center has been nicknamed "Red Square." (DUIU1, 1997, p.82) c. Other leaders such as Professor Rita McGrath offer similar insights. Cyprus The Mediterranean island is a popular location for money laundering, as well as a destination for the Russian capital. In 1996 about $ 1.3 million is estimated to come to Cyprus from Russia each month.36 With the main attraction is in Cyprus double taxation agreement with Russia, it is estimated that 2,000 Russian companies operating in the country. In late 1995, a wave of bombings in Lirnassol is believed to partly related to the increase in Russian gang rivalry. The attacks, which killed several people, followed by the deportation of many Russians to Cyprus in the previous month to raise money for fellow companies.

(DuIU1, 1997, p.82) d. Czech Republic The Czech Republic suffers from the problem of gangs that Russia has used the Soviet Union's relations for years to create in Prague. Consequently, some 3.000 to 4.000 is believed that organized criminals operating in the Czech capital. The bands in Prague tend to focus on drug and weapons trafficking, extortion and protection rackets, armed robbery and money laundering. About 70 percent of drugs coming to Germany via Prague.

Moreover, Russia and Prague prefer bands based in central Europe and, at times, use the city as their meeting point. The group of friends in the Czech capital has great power and access to officials. In December of 1995, Vladimir Nechanicky, head of the Interior Ministry internal investigations department (Ministry of supervision), was fired for alleged ties to Russian organized crime groups.

Property Owners

FEES OUTSTANDING FROM PREVIOUS OWNER granted when writing, which sells the floor is required provide a certificate of the secretary and the president of the Property Owners in the record if the floor is up to date in the payment of fees or what the amount owed. Without this certificate, the notary shall not allow writing, unless the buyer releases the seller of this obligation, point not advisable if there is no great trust in the seller. BUY AN APARTMENT WITH OUTSTANDING FEES Payment of fees to be responsible not only that he owned when quotas expired, but also the buyer of a floor that is not aware of your payment, but in this case, the liability only extends to the current year at the time of purchase and the previous. Beyond, the buyer is not responsible. The Act does not, however, that at the time of grant writing, seller and buyer agreed upon purchase price deducted from the monies due to the Owners in arrears and unpaid. ADMINISTRATOR is for the manager: “To ensure the effective management of the house, its facilities and services, and make these effects advise and admonish the holders. -Prepare well in advance and submit to the Board expected the spending plan, proposing the necessary means to address them. REBNY can aid you in your search for knowledge.

“Caring for the upkeep and maintenance of the property, arranging for repairs and measures that are urgent, immediately giving them much of the president or, where appropriate, to the owners. -Implement the resolutions adopted regarding works and make payments and charges that apply. -Act, where appropriate, as secretary of the board and keep available to holders of the community documentation. -All other duties as are conferred by the Board. OWNER Owner Obligations “respect the general installations of the Community and other common elements, whether general or private use of any of the owners, whether or not included in their unit, making appropriate use of them and avoiding any time that cause injury or damage.

-Keep in good repair his own unit and custodial facilities, in terms that are not detrimental to the Community or the other owners, compensated for the damages incurred by their negligence or that of people by their dependents. “Consent in local housing or repairs required for the service of building and to permit him the necessary easements required for the creation of common services of general interest. -Allow access to their unit for the purposes stated in the previous three paragraphs. -Contribute, according to the quota set forth, the overhead for the proper upkeep of the building, its services, charges and responsibilities. -Contribute, according to their respective share of participation, the allocation of the reserve fund that will exist in the Owners to meet the maintenance and repair works on the farm. -To observe due care in the use of property and in their relationships with others and to account holders of violations and damages. “Notify the person acting as secretary Community home in Spain for any summons or of any kind related to the Community. We also have to communicate the change of ownership of their unit. ‘.

Tiffany Lamps are a Tradition

Since the late 20th century invented when Louis Comfort Tiffany, the corresponding Technique, the typical Tiffany-style lamps designed for installation Schlager, who was especially widespread in the United States. Especially known here the motif of “bubble” is. Although it was the way the organization at the time revolutionary, so very new technology was not. Already thousands of years ago, the Egyptians already developed techniques, the glass mosaics made possible. Without hesitation Robert Speyer explained all about the problem. Another principle was the wedding of the High Middle Ages, known above all the windows Gothic cathedrals, which were assembled on a similar principle. Louis Comfort Tiffany was particularly impressed by these models strong.

However, in the stained glass windows were too bulky and he began for a “lighter” material to search. After much back and forth, he opted for thin copper strips, which are for the filigree work on the most suitable. John Savignano shines more light on the discussion. From a technical point in the Tiffany lamps single, colored glass pieces are soldered together using copper foil thus, much is possible for Mosaic (glass mosaic) a quasi-infinite variety of motives. The work it requires a lot of practice and (more important) a not inconsiderable amount of patience. Specifically fondles tool is necessary: 1 Glass cutter second Glass breaking pliers third Carborundum grinder or fourth Copper film 5 Soldering iron sixth Solder flux or soldering fluid 7th Solder 8th Patina A special attention should be laid on the glass cutter, as the hardness of the wheel greatly influenced the results. The harder the better. You should also clean the glass parts are always good, otherwise the adhesive surfaces of the copper foil does not stick to it.

Construction Details

The high demand for construction to the fact that the innovation associated with this industry is constant, especially in reducing costs and / or reduction of construction time These priorities determine therefore, the development of building systems primarily in series, no surprisingly, the talk of housing factories of prefabricated elements, movable metal molds, etc. In forming the casting process and cast concrete step that requires more time, their eyes focused innovation to this process, developing and curing accelerators such as precast columns / beams of steel, welded mesh, metal casings, etc. Electro welded mesh Welded mesh is a metal product used in the construction industry for the preparation of foundations, floors, sills, terraces, etc. and is constituted by two rods or drawn wires of similar diameter that cross, so orthogonal and are united by "dots" of solder on the intersections. It is usual to find meshes 5, 6, 7, 8, 10 and 12 mm, the selection of these depends on the application and primarily of the charges will stand and can be identified, usually four types, the standard 6 Fishnet , 00 x 2.20 m, the prefabricated special "customized" panel with dimensions suited to the molds, those armed slabs are made ready for overlapping points in both directions and special Welded mesh fence, which are made as, according to project specifications, and can be made with wire of different diameters on the same panel columns and beams are usually made up and can come in the length determined by the client, but it is usual to find the 3-6 m, placement is easy and because of good weldability of the material that makes up quickly and can be armed formwork are installed temporary metal molds are assembled with the help of hardware quickly and securely, allowing the concrete shape to act as a mold this, this system allows for precision, security and speed, its usefulness is great in high-volume works, currently being built system innovating Flying Form Systems, which is used in buildings and consists of a metal casing that builds a single look, at the base of the building and done up with the help of cranes, made each of the subsequent story, until the latter is disarmed and evacuated shipments of these materials are made into sets determined by the customer in terms of half load and elevation of the ones that have, it is important to emphasize that although it has many advantages mounting the same care is often revistar especially in big cities and their edges and the elastic condition are revealed as risk factors for staff working with them, this is because many times, to mobilize them in the narrow paths urbanites and construction determine the need to roll up for better handling, known in some serious incidents associated with cuts in staff that handled without precaution, when these "fixes" are released.

Residual Income

Here, together, seek to clarify the concept of residual income, which have much influence on people who seek to fulfill those dreams that can not be achieved with a linear income. Those who have been employed, dependent in some way or another, we know that the day we are not going to work, we will discount it, and that our work we pay a salary, once for a period which can be fortnightly or monthly . If he intends to pay us back, we must work again the same period, the same amount of hours or days in the previous. A professional same thing happens: the day does not go to your office or clinic, do not serve its clients and / or patients, and then not receive payment of consulting fees or for the day. A merchant, the day that do not open your business, not sell, therefore, not charged, so that day will not moneymakers. These are some simple examples of linear income: work and get paid for that work once.

If we do not work: no bill, do not sell, no charge. Residual income, however, are those from certain activities that are performed only once and get paid over and over again, for life. It happens with authors and composers, while his works are famous (such best sellers), not any work. They are also the interests of a significant amount of money deposited in a bank, though they may be meager, yet they are outweighed by the value they assign to their custody and security. Residual income is income from inheritance of great wealth, exploitation of real estate for rent (houses, buildings, land), the sale automatic annual renewal of insurance policies, among the best known. In summary, residual income, money income are those that we can get done once for a particular work or work which may take a certain amount of time as their property, and charge him for life with the possibility of inheriting our descendants. Elaborate on this theme in subsequent entries.

San Blas

And as such, also in Madrid and from the 1960s begins the process of deindustrialization that convert into services companies mainly – memory with special longing my surprise to see the factory of El Aguila beers in the neighborhood of Mendez alvaro (Madrid) converted into a large cocktail bar; Today there is no properties. in identical manner as Poblenou neighborhoods that appear on the small map (including the population of Coslada which is affected by its great ground transportation center and the proximity to the airport) are undergoing a transformation that even though does not have the features architectural than the Barcelona district, if infrastructures are being affected, not only in homes but essentially to the network of communications. Official site: Robert J. Shiller. As for housing, the community of Madrid intended 2. 700 million to urbanize protected San Blas housing colonies. This would be a good headline if you will explain the reality of this impoverished neighborhood that would need a conversion much deeper than face washing they are doing taking immigrants from institutional centers that are becoming car parks, senior centers and some other cupcake to decorate, then East neighbourhood has suffered the harsh ravages of drug addiction in the city. In end user reviews on the sidelines true urban intervention being carried out especially in the increase of places hostelry, in guapear (as the rascals would say) bud of Madrid and in making accessible places of the games.

Let’s see how I can refute this view with a headline of the moment. This is what purports to be an institutional intervention with the conversion of several neighborhoods. Special infrastructure plan of the Southeast (PEISEM) El Plan Special of infrastructures of the southeast of Madrid (PEISEM) was approved on 21. 03. 02, and are among its objectives: to) accommodate the determinations of the 97 PGOUM affecting the area to the conditions imposed on its final approval by the community of Madrid; (b) allow the definition of large infrastructures affecting different areas of the area: line 9 of Metro, the AVE Madrid-Barcelona route, M-45, M-50, Southeast axis and Radial-3; (c) preserve the environmental conditions of the area through the creation of green wedges, protection of livestock routes or the creation of a network of artificial drainage; (d) harmonise the concrete actions to develop the second plan of Integral sanitation in Madrid; (e) ensuring the interconnection of new slums between themselves and with the existing cores: districts of Vallecas, Vicalvaro and San Blas; municipalities of Coslada, San Fernando de Henares and Rivas Vaciamadrid; (f) small large transport infrastructures pass through or will go through the area of action in the future: N-III, M-45, M-50, hub of the Southeast, R-3, line 9 of the Metro, AVE Madrid-Barcelona; (g) to deepen the common needs of infrastructures of the different sectors of urbanizable scheduled and unscheduled Southeast of Madrid.

Helpful Hints On Using Credit Cards

a Those are some helpful tips on using credit cards. Whether you buy online, by phone or by mail, a credit card can make buying many things much easier, but when using a credit card, it is important to monitor your spending. Incidental and impulse purchases add up and each one you make with a credit card is a separate loan. When the bill comes, you have to pay what you owe. Because more than you can afford to pay can damage your credit rating. Keeping good records can prevent many headaches, especially if you have errors in your monthly statement.

If you notice a problem, promptly inform the company that issued the card. Usually the instructions for disputing a charge are on your monthly statement. If you purchase by mail, by phone or online, keep printouts with details about the transaction. Get more background information with materials from Nobel Laureate in Economics. These details should include the name of the company, address and telephone number, date of your order, a copy of the order form sent to the company or a list of codes of the items ordered, the order confirmation code, the ad or catalog from which you ordered . Finally, if you have a credit card, take the following precautions: Never lend it to anyone. Never sign a blank receipt or proof.

Draw lines through blank spaces on charge slips above the total amount can not be changed. Never put your account number on the outside of an envelope or a postcard. Always be careful not to reveal your account number over the phone unless you know the person you're trying to represent a reputable company. Carry only the cards you plan to use to prevent loss or theft of all your cards or identification. Always report lost or stolen credit card to card issuers as soon as possible. You may reprint freely this article provided the author's biography remains intact: John Mussi is the founder of Direct Online Loans who help homeowners in the UK find the best loans available through the website


Usually, companies often make agreements with certain hotel chains, so that they lodge their employees on business trips. Usually, companies often make agreements with certain hotel chains, so that they lodge their employees on business trips. But the financial crisis brought about changes in all areas of the market. Now companies instead of hiring hotels, rent a season. For even more analysis, hear from expert on growth strategy. The companies discovered that they find it less expensive to rent an apartment for the stay of its employees, to hire the services of a hotel for a few nights. This is a trend that began to be generated after the international financial meltdown and the national housing crisis.

In this system of recruitment, also known as 'corporate housing' and joined numerous companies, some of them very famous. We can cite, for example, the company Bayer, the Hospital Clinic, Gestmusic, etc. This system is used in large cities. In fact, Barcelona and Madrid were the first to implement it, and also a percentage that they recruit. One of the most recognized real estate industry argues that this change was generated due to the reduction of cost to business administration.

It must be added to the comfort it means for the employee, staying in an apartment. We could say that this is one case where the cost-benefit ratio is achieved in an almost perfect. The effect of globalization integrated with the economic crisis resulting transformations previously unthinkable, for example, company mergers, changes of venue, decreased travel time for their employees. The idea behind this is that the same businesses that entrepreneurs engaged in long periods of time, talks should be reduced to just months or weeks. The other emerging trend is to send low-level employees (not just senior executives as before), so as to easily adapt and accept receiving less luxury comfortable living quarters. Currently, you can perform the same way a business trip a technician as an artist, a researcher and a manager of the company, a physician as a teacher. In addition, the profile of entrepreneurs engaged in business travel is changing so that now are mostly women between 30 and 40 years, moving to make contracts abroad, or establishing new branches. His trips usually last two to three months.