Archive for April, 2013

Properties

April 20th, 2013

The magic of creating income lies in its ability to keep track of the market, which is now quite easy with Internet and be in tune with him. Great marketing and advertising will also have an impact on their ability to rent. It is important to not lose sight of market statistics. Factors such as the creation of new jobs, new people moving to the city (or out-of-town), rent control (which in some areas may limit their ability to charge rent at market price), the number of units in the pipeline, and new homes under construction will help to give you a feeling for the market. This will allow you to know the time their lease and their maturities, as well as their rent increases.

Sometimes, in a weak market you need to offer some concessions such as free rent, a television, or minor movement in costs to attract tenants. You can always set their rents a little high and see if the phone rings. It is easier to lower income than their increase. It is intelligent to annually review market and stay in touch with changes in the market. Nothing substitutes while it takes to inspect the property and decide that it is here where you could live. And do not cut corners. Remember that tenants happy stay longer and pay the rent increases.

Caring for your heritage is not easy and it requires good decisions about rent it or sell it, especially if what we seek is a fixed and lasting investment that allows us to have a monthly income relatively. Our goods we generate revenues but must allocate a part of them to its preservation and maintenance. The fact that are in optimal State ensures its durability. This is an essential area and that we must not overlook is cheaper to maintain in good condition a house or apartment that you then need to remodel and repair all damage accumulated from several years of neglect.

University Credit

April 17th, 2013

Credit properly understood financial aspects has a very ancient origin, this goes back to the relationship between the traders who traded their goods even without having the money at the time. General aspects of the credit the credit is an obligation which is acquired in order to be paid within a certain period and determined, i.e. in a future and known or at least determinable date. The credit generally and commonly refers to the loan, however you can also pour into sales contracts. For example it is common to hear that someone has bought an appliance and must pay dues or on specified date. The credit can be free or not, the payment of interest on the amount borrowed or sold (where credit verse about money) i.e., can agree. The credit can be about money or other material things. While all credit is the same, there are different types of loans that have evolved to conform by the commercial practices and the passage of time complex mechanisms that make that people have easy access to a better quality of life.

There are different types of credit among which we highlight: mortgage credit. Free investment credit. Credit for housing. Student credit. Pignoraticious credit this little classification of types of credit only reflects the most common uses today and we will only deal with the first four, since the latter, i.e. the pignoraticious credit even though it is currently still used on commercial practices, is of little financial banks style: mortgage credit refers to the acquisition of a debt to be paid in the future promiseby supporting the provision of a right in rem called mortgage debt. The real right, consists of a guarantee to the creditor that the obligation will be paid in the future and that not be paid the is entitled to seize and auction the real estate that served as a bond. Free investment and credit for this housing credit classification attends to the destination that you will give to the object of the credit (which is usually money) so then when you buy a free investment credit, the money may be used for any purpose.

It is important to talk about this type of credit since it is the opposite of credit for housing, because in this case the credit must be used for the acquisition of housing. In credit for housing the Government of each country usually dictates policies clear and favorable to those who receive the credit, for example establish the obligation to agree on a very low interest that allows people access to this. Student credit in recent years, this type of loan is commonly used by low-income families, since the prevailing need access to a good higher education, is to say to the University, motivates and drives to these families, has been acquiring medium-term credits.

President Tabare Vazquez

April 11th, 2013

In that, beyond the importance of advocating democracy in Latin America with which nobody disagrees, Presidents have invested precious time. After the pronouncements of the Organization of American States (OAS) and the United Nations, MERCOSUR He could you have issued a joint statement of support to the deposed President, Manuel Zelaya, and tackle their own affairs. For another occasion were, however, economic obstacles that warned the President Tabare Vazquez, soon to finish his Government. Uruguay assumed the Presidency pro tempore of MERCOSUR with the premise of promoting proposals related to internal trade, the movement of goods from other areas, the asymmetries among member countries, external negotiation and strategic projects. It is difficult, in plan of showing off, a President protruding in a forum of this kind raise the Elimination of the double charging of the common external tariff. Not convince other members, among which the most commonly injured would be Paraguay having no maritime ports, Uruguay fair agreement with Brazil.

Very interesting what he says, that in almost two decades of existence, MERCOSUR had some successes: served to temper the disputes between the Argentina and Brazil. In the custom of clothing in it It is the dilemma: the bilateral does not have to be a regional matter. Of the four countries which founded MERCOSUR, Brazil always offered resistance to the establishment of regional bodies. Lula, whose term will end January 1, 2011, will not have the honour of having consolidated block, because, in a way, he has earned, without boycotting it, for projecting to his country with a position of regional leader who, until now, not had assumed.

Credit Picture

April 8th, 2013

While it takes time, credit accounts can definitely be repaired after obtaining a poor credit debt consolidation loan. When conventional loans are out of the picture because of low credit accounts, a poor credit debt consolidation loan may offer a way out of having poor credit, and a way of repairing credit accounts and create a better way of life. The poor credit debt consolidation loans can come in a moment in which the borrower needs the money more when payments are high, or when income levels are not above enough to pay all accounts. They are available for those who are even independent or they have been involved in a bankruptcy for more than ten years. In addition, the poor credited to debt consolidation loan offers a light at the end of the tunnel to offset debt more quickly, as well as the consolidation of all accounts in one smaller fee. Making these payments on time, credit accounts can jump so much as 100 points or more in a year. Pros of the poor 1 credit debt consolidation loans. The poor credit debt consolidation loans put money in the hands of an individual who does not qualify for a loan otherwise.

2. These types of loans give borrowers an opportunity to consolidate their debts and gain control over your financial status, as well as an opportunity to invest in a home or a car if needed. 3. The poor credit debt consolidation loans allow that individuals ask for borrowed money without giving a reason, and it can therefore be used for any purpose, including a college education or a business. 4. A poor credit debt consolidation may not prohibit the borrower a way to improve your credit rating, provided that all payments are made the time. 5. There is an emotional impact and psychological implicated with poor credit debt consolidation loans.

Good Structured Deposits

April 5th, 2013

High interest rates if the entities are kept which is known as the battle of the rent-seeking of passive, when customers accept the diversification with securities if they turn the structured but they do betting on equities investments, a decision that is not conducive to anything to savers. They exist in the market deposits with high profitability even though it is true that increasingly is the need to invest in stocks. Banco Santander who started a year ago the battle by capturing 4% redials trends today with one of the best deposits and profitability of the market, a 4.5% fixed term, with a percentage of the investment subject to the evolution of Inditex, BBVA and Telefonica. However, Banco Santander is not the only entity that bets on the structured deposits, Caixa Nova Galicia includes the same alternative and Banesto conditions your deposit to the evolution of Repsol, Telefonica and BBVA. It is convenient not to be dazzled by the high profitability, the structured deposits contemplate very broad terms what does diminish not only the profitability in the short term, but also and more importantly, the liquidity of domestic economies.

CajMar is another one of the entities that have opted for the commercialization of a structured deposit; a 6.5% to 6 months subject to the 30% investment of capital in securities of EON, Deutsche Telecom, Carrefour and France Telecom, promising a yield of 3.78% if the values experience promotions during the next 4 years. Guaranteed structured deposits are a good investment alternative provided that clear has its operation as well as the fact of knowing that if the evolution of values is expected, you could have obtained a higher profitability acquiring titles directly in markets. Finally in the same way that with any form of banking deposit, the key to access the best deposits lies in compare all offers, thoroughly read the small print and evaluate the periods during which may not have invested amounts, within the context of their family economy and very bearing in mind the payment obligations..

Company Crises

April 3rd, 2013

CONFIDENTIAL memorandum # 061 exclusive for the management at that moment your company enters or EXITS the CRISIS Crisis: an extraordinary event, or a series of events, which affects differently the integrity or sale and/or profitability of its products, services, reputation or credibility in the suitability of its leaders/commanders or the financial stability of the Organization; and/or health or present or future welfare of its workers, the community or the general public. BASES: The value of all the companies global corporations or SMEs-, lies less in physical or tangible assets, such as factories, buildings, machinery, equipment, patents, inventories, volumes of sales, etc., while its intangible assets such as employment stability, knowledge, capabilities, seniority and experience of their employees, quality and image controls and their managers and/or the labour environment human and moral than they CREATED, as well as confidence in their performance by the financial sector. Add to this, the quality of treatment and compliance with dispensed to customers, the positioning of its products and/or services, public image of the company, etc., all of which are increasingly important, to determine the real value of the business and constitute assurance whether or not, the good name or reputation (good will) of the company and selling the image of future survival today rather than never mentioned intangible values are so important, that to succeed in the market, each year the companies invest millions in advertising, with the aim of improving their image in front of your customers (campaigns of the best place to work or proudly highlighting the value of loyalty and seniority of their workers, for example). Nothing sells more if same as picture! A company or its products and/or services without image against the customer or target user, must resort to strategies such as costly promotions, discounts or discount prices, gifts, waive penalties, wasteful sale deadlines, prizes, raffles, hidden commissions, etc., in order to sell to examine the reasons for the continued commercial success even in the Crisis, is that usually employers and clients, prefer associate their purchasing decisions companies (really buy his people) and/or long lasting brands, with feeling or selling them back and future.