Misconception 1. Now take the unprofitable mortgage, it's better to wait until rates fell to expect that a miracle occurs, reduce the percentage, housing will become cheaper, and we will solve the housing problem – very cautiously. Let consider what happens when falling interest rates: money will become available, a large number of people who can afford to buy their own homes, the demand will grow and prices will grow again, and proposal (ie the number of housing) will remain the same. You just have to take more credit – that's all, the monthly rise in house prices negate all the benefits of lower interest rates. In addition, while you wait decline property prices (for example, 10%), inflation is up 15% devalue your savings, and the cost of repairing the upcoming increase. In general, you should not expect miracles, we must act. If in the future there will be programs with lower interest rates can be refinanced mortgage: a loan from another bank to repay the balance of payment in the first. Misconception 2. Without imposing the initial contribution is not worth thinking about mortgage Many from potential customers, not having sufficient funds for an initial fee, by calling one or two of the bank, decide that, not having sufficient funds for the down payment to purchase an apartment does not succeed, so you need to wait and save money. As a rule, is now an initial contribution of standard banking software is 20-30% of the purchase price.
Still the majority of young Russians are wondering where to live. After leaving his father's house, young people have nowhere to vit own nest, so it is often the choice falls on the lease. Real estate rental market in Russia is a rather interesting picture. Major players – real estate agency, offering a list of their rental. Schemes of work are very different – from a fixed payment for a list of landlords to the percentage of the value monthly rent (from 50 to 100%). Often in search of an apartment, you may encounter unscrupulous agencies or private agents, offering deliberately false list of landlords. Therefore, most prefer to work for percentage of the rent or find an apartment through her friends. When the appropriate option is found, it is time very responsible moment – of the contract. It is this document will in case of unforeseen problems to protect you. Therefore, to the lease should be taken very carefully, in detail prescribe it all the force majeure and the terms, form and size of payment. Do not forget to mention in the lease who will pay the utilities.
Many Russians are dreaming to live somewhere to the west, but many frightening complexity of adaptation and assimilation, which will surely arise when you change the country of residence. For this reason, the recent sight of our fellow citizens falls on the countries located in the eastern part of the European Union. The fact that Lithuania and Latvia, the mentality of our closest of all European countries, as until recently we were inseparable, and have common roots. In addition, much of the population of these countries speak Russian, which greatly simplifies the process of assimilation. Housing in the Baltic countries is relatively inexpensive, but life in any city will be much whiter than comfortable and pleasant, so as everything is built and made to European standards. But, of course, open borders to all European states are becoming a reality, and it costs a lot, no more problems with visas. Traditionally popular cities for acquisition of real estate remain Vilnius, Riga, Jurmala. However, other cities is quite worthy of attention, believe me, the development of small cities of the Baltic States is much higher than in Russia. All this makes Real estate in Latvia and Lithuania welcome acquisition among our countrymen.
Decent agencies always value their reputation and will not allow negligence in their work and cheating their customers. And not a teshte illusions that laymen and rogues can only be a Russian agent. In both English and Spanish, and German agencies to you may also try to “tear off” too much. Especially, now, these agencies actively recruit in your home state multilingual staff, usually unskilled immigrants from the cis countries. Therefore, buying real estate, contact real estate agent for recommendations. And the best advertising professional realtor – is it clientele. Ask the staff agency to introduce you to a couple of his former clients. If they have nothing to fear and customers will not mind this, then they will not give up. And a couple of tips. Do not buy first-encountered arm housing, which I would like this, your agent. Look for all the proposed options, consider the price, form of payment. Find out the proximity of the normal schools, hospitals and shops.
Ask the bank assess you liked housing. It is usually lower than the amount requested, which will help you to trade and open their eyes to excessive appetites sellers. So be very careful and cautious. Do not hurry with your purchase. But do not delay. Property for Tenerife is in demand, so if you liked something, then it is better to make a pledge not to lose liked housing. Well briefly share with you and your thoughts on the Canaries, we believe that convinced you opt for buying a home in Spain on the island of Tenerife. And you’ve probably figured out that the mortgage terms offered by Spanish banks for you, people still do not have any relation to Spain, give you the opportunity to become happy owners of housing in the Canaries. Besides, you just think! If suddenly your neighbor or co-worker asks, where is your problem, and you in response to lazily throw: – I have a problem the Canary Islands And if he still knows that this acquisition will cost you all that in 40-60 thousand euros, with the monthly loan repayment in the amount of 500-700 euros, for 30 years, it will burst with envy I do not we say that the whole procedure shop will take a total of one week to choose housing, and another week on the registration of all securities. That is, you’ll have twice as enjoy a trip to Canary Islands to become homeowners.
Time is Money and is likely to ignore certain changes, cause us to lose days or even ruin our whole itinerario.Hay other details, small but important as the fact that here one has to bargain the taxi before getting into a car and achieve savings if the traveler has to do at the last minute transport from the airport to the hotel. The public bus lines are still a mess and if by chance a foreign traveler would take no more the knowledge, will be the most traumatic experience is not so, whether with the help of a local guide to venture to take one of the public buses: not only an unforgettable experience but above all we see daily segura.A dozens of tourist books trips touring the historic center of Lima: able to locate one another square or some buildings known but lost 90% of the attractions for among which are made to read and walk, walk past them without admiring them. An expert local guide you will not only spend timeless moments but above all security, which is something that should be emphasized to travelers. For example Lima with 9 million inhabitants, is a city where special care must be taken in certain areas or times of day. Like any big city I say about a complete journey through Peru. The first thing to consider is the number of days available, this is closely related to the budget is managed.
Then the number of passengers is a factor to consider because more travelers are more likely to improve the price to agree. Another factor to consider is the quality of hotels and room types to choose from and the type of media to use. The air in the vast majority of times it saves time but increases the costs of viaje.Recuerden also that the Peru is a country with a diversity of climates and altitudes, a matter to be taken into account especially if passengers have any medical restrictions that may affect your health if you are above 3,000 meters. What is the difference between a trip organized by the internet savvy travelers willing and one led by expert local operators: the answer is simple, there is no better acquainted with a country that a good local operator. The traveler finally informed internet spend hours and hours on your computer, but fails to finally meet small important details that make the difference when planning a trip trip.The result will be a standard, if you program without operator assistance local, without biggest difference … all who travel this way have similar experiences and will repeat the same as you remember if you travel this way. – Good subrraya is undeniable the great advantages of the internet, as we are close to so much information and remote locations easily and immediately, but the human component is irreplaceable – Finally A TRIP TO THE EXTENT given FOREVER, and unique souvenirs also will have an unforgettable and security must always be accompanied by a team that will monitor every detail of the dream trip. From this side of the magical mist, Irene Lourdes.
b) an analysis is appropriate with respect to how it relates to everyone else, how is applying its values defined and how they share (at the personal and business) the various ideals, in this second act is called connected. c) After raising the reality of its purposes, it is necessary to reorganize or modify their approaches to solving what is really important and meaningful for him and those around him, in this third act is called integrated. Do not forget, as indicated, that values in general administration, seek to improve the quality of life of the organization, as individuals through the exercise of trust, responsibility and commitment. Therefore, any organization with aspirations of excellence should be understood and systematized the values and ideas that constitute the motor performance of the company. The constitutive feature of value is not only the belief or conviction, but also its translation into patterns of behavior that the organization is entitled to require its members. The values are generated in the culture of the organization, therefore, are agreed by senior management.
Are also required and are taken into account in the assessment and staff development that integrates the organization. Please also present in the scope of this topic, which are guidelines or reference values to produce the desired behavior, make decisions for the organization, while the proactivacion in turn, forms the actual implementation of capacity those results through concrete actions of the members of the organization Organizational Culture new trend of management of resources towards competitiveness. To develop a true organizational culture, it is necessary for top management to develop an overall philosophy that guides the actions of individual members of the organization. Therefore, successful organizations are those that are able to recognize and develop their own values based on their ability to create value through knowledge creation and expression. Definitely, says Noah Chavez, who the administration values helps to drive the right behaviors to achieve the strategic commitments.
If used properly, will result in actual results such as: a) The participation of all the Members of the organization. b) A better teamwork, being integrated and targeted to commitments. c) Have increased self-control scale of values both the individual and the company. d) Increased motivation for employees to be geared towards results. e) To have employees who have learned and identified with the image and philosophy of the company. Finally, keep in mind the importance of company values: Values are very important for a company because they are major driving forces of how we do our job. Allow positioning of a business culture. They set standards for decision making. Ceilings suggest compliance targets. Promoting a change of thought. Avoid failures in the implementation of strategies within the company. It achieved a low employee turnover. Avoiding conflicts among staff.
On November 18, in the municipality of Santiago del Teide in The Canary Islands, Spain, was inaugurated Visitor Center Valley Manor, set in an old seventeenth century manor house situated on a large plot of hull municipality. The event was chaired by the President of the Cabildo Insular de Tenerife and the Mayor of Santiago del Teide on a special day for the city, the day celebrating the centenary of the eruption of Badlands. More information: On 18 November, in the municipality of Santiago del Teide in Tenerife (Canary Islands, Spain), was inaugurated Visitor Center Valley Manor, set in an old seventeenth century manor house situated on a large plot the hull of the municipality.
The event was chaired by the President of the Cabildo Insular de Tenerife and the Mayor of Santiago del Teide on a special day for the city, the day celebrating the centenary of the eruption of Badlands. The site was acquired and renovated po do r the Cabildo of Tenerife and is currently managed by the Canaries Hotels Group, responsible for this complex dedicated to the hotel business. From this moment you can enjoy various units in the visitor center, as the volcano’s permanent exhibition Badlands, the last to erupt on the island of Tenerife, the wine museum, the souvenir shop, a place where you can get crafts; the corner of the cheese, where you can taste and buy this product.
They also have a tavern, restaurant, bar and other facilities. In Dominion Valley we can find a rural hotel, though it will take a while to get operating. Casa Rural El Patio Hotel has two floors and twenty rooms, features that will make a quiet place to spend a few days of vacation. It is worth mentioning that this place will not only be intended for housing, but also are trained for any type of event such as banquets, congresses and similar events. It also has stables, where you can have contact with horses and can ride them near the visitor center, a natural place, quiet and relaxing. In short, Dominion Valley is not only an ideal place to rest a few days, also may know part of the culture, tradition and Canarian cuisine, and all this by a beautiful and typical rustic landscape of the island.
Garbage bags outside the containers, cardboard and broken glass on streets of historic importance and food debris scattered parks form part of the landscape of our cities. Given the alarming situation in which the cities of the serious problems of pollution that cause accumulation and Solid Waste (MSW), pneumatic waste collection is presented as one of the most effective and innovative alternative in our country. To recall, the generation of MSW in Spain has doubled in less than ten years, from 12 million in 1991 to 26.5 million in 2000, as recorded by Greenpeace in a report.
The first Spanish experience in pneumatic waste collection took place at the Olympic Village in Barcelona. Installed in 1990, this system is intended to cover the waste collection needs of housing for Olympians. The sample municipalities have followed Barcelona Leganes and Palma de Mallorca. The last city has been implanting Vitoria. He did it last year, serving about 10,000 people and an annual collection of 2.3 million kilos. Unlike the Spanish case, where its presence is still limited, these facilities are more popular in the rest of Europe, perhaps because in countries like Sweden have been operating for twenty years. The choice of pneumatic waste collection is particularly attractive in the case of older urban areas. Citizens living in the old town or a city described as Heritage of Humanity is facing a serious problem: why collect their garbage?
First, the installation of containers in these homes causes “aesthetic pollution”, according to municipal sources, and, secondly, in many places because of the narrowness of the streets, is problematic placement of the containers and their subsequent collection given the lack of access by garbage trucks.
What’s good for General Motors is good for America, they said. It has the most wins, the most powerful. Regardless and whoever falls, which have always been the weakest. Attention is drawn to American bankers and financiers with the greed of hedge funds. The plot is stretched to the developed world, impacting on emerging and billions of human beings. The paradigm of General Motors served other giants of the automotive industry that became the industry benchmark.
Gave employment to hundreds of millions of people, directly or indirectly. Chrysler, Ford, Mercedes, Peugeot, Fiat, Honda, Renault, BMW, became the symbol of purchasing power, the borrowing capacity under a false premise: if you have your own home, car and credit card you’re nobody. So spread the housing boom, supported by the greed of bankers who offered loans without regard to the contention caused havoc in the middle environment. There were laws kings wanted to do construction. For centuries it was assumed that the power belonged to kings and nobles, bishops and abbots, landowners and merchants. Existing social order was.
But progress gave prominence to the bourgeois revolution and seized their strength to the powers: Church, Army and moguls to give the impression that everyone had the right to borrow, to pretend and live beyond their means. The new financial and economic powers created false needs enthusiastic and shackled to millions of people in the developed world. If you did not have a mortgage, car, credit card debt is not counted.
The Maximum payment will be when you buy at the gold price. Since the property went to hell and has not been puppet head, many of the businesses and personnel associated with this activity has sought other ways to make money fast. Year and a half ago a friend invited me to perform this activity using the facilities of our financial, did some shopping and I still keep saying that pleasantly surprised by the profitability of the purchase price and selling price so now, but to see people normal shedding its last relics jewelry often inherited from their parents or grandparents is a plate of good taste, so I decided to leave this activity and follow other routes. Suddenly you begin to see signs everywhere of gold bought ultimate price we pay, and similar slogans, then the premises before the rental sign now with the poster to buy gold. Even now I breakfast with business news that you buy it before mailing, down from consumer loans, now plays these loans and pay for it but the Where to eat or just meet some extraordinary expense. As all this burst at some point because the price of gold has been advised to be prudent level at least, and especially when you think of the balloons above, as the same property 10 years ago and the new technologies. Like any market there are those who anticipate and make much money and in other cases that reach the trailer once the euphoria is widespread, but think what would happen tomorrow if any country, including the United States to meet their wars or outstanding financial crisis put an enormous amount of gold for liquidity, or Spain itself has already done something like a small scale. The result is the same as with the real estate market many stay with their gold at a price above the market, but greed is the counselor but market fluctuations and especially if you play with values of volatile value if you do not feel before the other when the music stops you can hit a huge bump, but not learned the lesson and we will see result of this booming business.