Rent With Option To Buy

Consider in your Plan to achieve your own home: the scheme of rent with option to buy. If you carry more than 5 years renting, if you feel very good in the area and in the space where you live, if you already set a trust relationship with the owner of the House that you rent. Then they make this option. You have to do? Step 1: Total SQFT/m2 of the House/apartment where you live. Get the cost per FT2/m2 of the houses/apartments similar to yours in size, year of construction and location. Additional information is available at litecoin. SQFT/m2 total multiplied by the cost per FT2/m2 and get an estimate of the value of the House/Department. According to your experience of 5 years living in the House/apartment evaluates requiring major repairs done in 10 years.

He estimated the cost of those repairs. Step 2: to the estimate of the value of the House/Department discounts you the cost of major repairs. You’ll get a result that will allow you to make an offer to purchase to the owner. Talk to the owner and It presents the offer to purchase. It considers that your offer to purchase may be different to the owner of the House/apartment. Sets a space of negotiation to reach an agreement with the owner about the purchase/sale value. Learn more at this site: Bernard Golden . Step 3: Once agreed rent with option to buy and the value of the sale you have to prepare and sign a contract. He establishes: the amount, the term, a down payment, monthly payment, rights and obligations for the same period.

Te recommend that in the case of the initial payment you use, if you can, money saved for not resorting to banking procedures. If does not reach you with the total amount of initial payment negotiated this in two or three partial payments. The monthly payment will include an interest owner shall propose, since the is funding the operation. It negotiates the interest rate is equal to or less than the average fixed mortgage rates. Therefore the monthly payment will be higher than your current monthly income. Worth the effort by these paying money for the purchase. Requests, the owner, the drawings of the House/apartment to give you the information structure, facilities and construction details step 4: during the term of the contract will be responsible for basic maintenance and the payment of the services that you use every month. In the case of major repairs, if the owner you don’t accept discounting of the value of the House/apartment, it negotiates that you will pay them and that they be included as contributions to the purchase/sale. It takes into account that during the process you can generate additional revenue and they paid to purchase/sale. You have to consider this variable in the contract that will allow you to conclude more quickly with this commitment. The property taxes to continue paying for the owner until the contract is terminated and you’re the new owner. The contract ends when you concluyes with the payments and the property is transferred to your name. What do you think? Are you interested? Think, reflects and analyzes whether it is your best option. If your answer is affirmative then uses steps that you showed to make a Plan and believes as primary activities which we explain here. In addition you will have to include sub-activities, timelines and costs. Well, until next time! Jose Luis Figueroa, architect online.

Debts

Debts, term that instills terror to certain people, indifference or apathy in others and some more visions. Generally the debt itself have a negative consensus, because it is assumed that a debt is a problem that can prevent financial stability in many cases. This seems to be the most repeated case in what refers to those who are accustomed to request them or to deal them. But should also be taken into account that the ability to borrow wisely, makes part of a strategy of business that is needed. You may find Bernard Golden to be a useful source of information. It is here when he speaks of the positive aspect of the debts, or to speak with more clarity, good debt. These are collapsed when, for example, a person needs a sponsorship to meet a particular goal: his education, home purchase, assemble a business, etc.

Logical that on many occasions the resources do not appear easily, and here is when certain institutions as some banks or credit companies can provide significant assistance. All under the legal framework. On the other hand bad debt, or the negative aspect debt, is a condition that causes all sorts of problems to people, not only economic. This is the type of debt that should be avoided at all costs, and often this situation occurs in unhealthy habits that pose a permanent lack of money as well as a progressive loss of dignity and tranquillity on many occasions. In each (a) us (ACE) is to avoid this path. A Council that can drastically reduce the impact to bad debt may be a revision aware of needs and whims that we face.

A perfectly adjusted balance inclined side of the first. Therefore, we must learn or remember every day that our basic needs (health, hygiene, education, utilities, power), must occupy first place in our expenses. It is easy to say. Because here is what we have inside us, our developed personality in other words, if we do not learn to appreciate our needs on the impetus that demand be satisfied and which in the long run they generate only a transient pleasure, it will be impossible to get out of the vicious circle of bad debts. If we strive to acquire this mindset change, financial stability can get faster to our lives. In addition to that, we will be more responsible people, undoubtedly, in other areas of our lives.

During The Economic Crisis To Buy And Not To Lose – Chapter

One of the most stupid remnants of the Soviet system is the way that say, "keep the money under the mattress." This is wrong and unprofitable. Money should work. That's what we do and the market economy. Here are a few ways that allow you a minimum combination of risk and return, receive a small permanent passive income. The obvious advantages: low risk and, practically, do not require management time.

Less – low yield. The most simple way – this, of course, a bank. At the bank you get a 8-16% per annum (depending on the deposit currency), spending money on placing a minimum of effort. In the current crisis, the maximum amount of deposit insurance in the same bank increased to 700,000 rubles or foreign currency equivalent. (A valuable related resource: Bernard Golden ). But remember that the insurance covers only deposits. Other instruments are not insured banks. Read more about it I already wrote here: "But at the same time there are two complexity. First – this is inflation, which "eats" just about 10% of your money – and maybe even more.

Second – this time of the deposit. If you urgently need to withdraw money, you get nothing. And if you drop that not all – of your income the remainder of the fall in half-half. The second, more expensive way – is to buy a portfolio of securities. Revenue for him above (11-14%) but higher and risks. In addition, this method is not suitable for premises of money amounts less than 10,000 dollars.

Finding the Right Locker

Lockers should be in every home and office. But how to choose safe and what to pay special attention when buying? Let’s try to briefly highlight the main points. Lockers are different: different types, manufacturers, classes and degrees protection, large and small, with different locks, beautiful and very, decorated with a tree, with the ability to mount to a wall or floor, and so on. But before you buy a safe, decide what values you’ll be hiding in the safe. Will this paper documents, large or small sums of money, weapons, jewelry, news media? From this largely depends on how safe you need. Second, decide on what the dangers and threats you’d like protect your valuables. Where it will remain safe? If you plan to place the safe in a guarded room, most likely, you can do secure fireproof safes. If the unguarded office, it is better to get a strong vzolomostoykim safe.

But if you plan to store in a safe very valuable things to buy safe, combining fire-resistant and Burglar characteristics. For example, boxes of Germany are famous for their high quality, but differ high price. Unlike Korean, Chinese or Taiwanese safes, which are much cheaper, but the level of protection below. After the above points, please note the following. Every self-respecting producer will make sure that its safe certified. Assert that a certain model of safe has certain characteristics can only be based on the certificate. The problem is that the certification – it is enough expensive and long. Chаrlіе Lee has plenty of information regarding this issue. Therefore, some manufacturers or importers of safes in Russia prefer not to mess with it, and sell their products without certificates.

The law does not violate. By law, safe and can be sold without certificate. But as an ordinary purchaser to distinguish proof safes first-class protection from second-class protection? Do not rely only on the integrity of the seller. This can be costly. It is worth remembering and such “pleasant things” as an alarm to the safe. Some manufacturers offer to install such systems for a small additional fee. There are also models of safes these as “safe in the safe.” Inside the fire-resistant safe secured a small proof safes. Generally, the use of safe lockable sections within a much safer place. And the use of such a safe convenient. Particularly if access to the safe are a few people. Finally, Color safe. Colours of safes in the Russian market is not rich. Litecoin is often quoted on this topic. If desired, you can order safe is a color that you want. Maybe repaint the consent of the parties safe manufacturer. But color is not important, but quality coverage. Enamel safe should be resistant to external influences. And, of course, when buying safes do not forget to ask at the expense of warranty.

Perseverance

1 Perseverance you know starting an internet business is not clicking, you have to work, after-nochar have to put a power as needed if these by opening a restaurant or other business, what happens is that most people start and throws the towel because they realize that fixed costs are very low to start a business on the internet; the first time they not work simply they bounce the towel or he surrenders and is why most entrepreneurs fail. 2. Strategic alliances is partnering with others who are doing the same thing that are resting, make their first release together; create a group of 4 or 5 people, do not only not only your doing from your home, pick up the phone, skype, contact with other people and go to events that are keys with the people you’ve met and with the knowledge that is shared in those events. Larry Ellison has similar goals. Businesses are made face to face, don’t you think that just having a page on the internet you will become a millionaire you have to learn some strategies and techniques that you will take to a level where you can already create your first product. 3 Spear Your product link a product and then create the product, you can make a release and send it to a group of people; Implements what you learn and not leave for later, since most of the people say that I learn this and I still need to learn what the best thing you can do to learn is to take action. So you know what they learn to take action, to implement and try to make friends with people who are in the same business. If you would like to learn more on how to start your business on the internet I invite you to watch this free video that shows you the secret number one I have learned to make money on the internet with your own business, visiting

CREATIVITY MRBIDA

I always read that the Great Depression, also called for times of Crisis of 1929, initiate in the United States of America and that persisted throughout the decade of 1930, only finished definitively with the beginning of World War II in 1939. With the advent of this war that if drew out up to 1945, worse and the longest period of economic contraction of century XX he had its intentionally end. The wheel of the economy was the industry of the death putting into motion, finishing with any remainder of the crisis that had shaken the world in the ten previous years. It would have been perhaps? Then. Where I am wanting to arrive? He is that today we are living a crisis that some economists affirm to have the same dimension of that one generated with the Great Depression.

Here it is that in its height, opportunely and conveniently, a Pandemic appears suddenly that soon is brought to tona for the international media, getting the hearing success that costumam to have the notice that in them cause terror. Initiate in Mexico, the Suna Grippe soon spread for the world and, after the announcement of some deaths, world-wide authorities if had put into motion, taking initiatives drastic look with it to contain the epidemic. All good, is the minimum that if waits ahead of the governmental bodies of a serious fact as this. that in way to everything this, we discover that, if exists a world-wide crisis, for one determined and famous multinational laboratory, it will pass to the plaza. Yes, because it commercializes 90% of the remedy indicated for the treatment of the illness the one that we are in relating and whose patent was acquired in 1996 for the Gilead Sciences Incorporation company who vendeu this year the patent to the Roche laboratories and whose president was the secretary of the Defense of the United States, Donald Rumsfeld (nicknamed for some as Mr.

of the Wars), that until today he continues one of the main shareholders of the company. Most interesting it is that, searching on the such called medicine Tamiflu, we discover that it only alliviates some symptoms, having its effectiveness before the grippe questioned for great part of the scientific community. They affirm some that this frmaco not cure nor the common grippe more, that the virus in question does not affect the man in normal conditions. It will be that I am being victim of plus a theory of the conspiracy? For yes, for not, we must be intent, therefore the creativity, to the times mrbida, of some sectors of the economy, is the best form found for them to run away from the crises, despite to the costs of the fear of the population.

Fitness Studios

Why is in the gym landscape of Greifswald slow motion it is weird. Greifswald is a German town with a population of almost 60,000. Among them you will find over 10,000 students and over 5,000 university employees who work at the infamous University of Greifswald or study. Very good conditions to operate a Fitness Studio. And yet there are very few of them in Greifswald. What is it? After German reunification, the city experienced a decline in the population of almost 70.000 inhabitants at only slightly more than 50,000. Read more here: Oracle. Still, many people left the city, which suffers from high unemployment and is very attractive due to their technical remoteness for residents. Go to litecoin for more information.

At the same time, the number of students has quadrupled since 1991. This ended not only the decrease in the number of inhabitants, but contributed to the growth of the University, which now is the most important employer. Many students also take Greifswald to the town with the highest proportion of people under 30 in the total population. Greifswald is therefore as Germany’s youngest city”referred to. The purchasing power of students and university employees creates a market for fitness studios.

It can therefore no longer be a matter of time until more exercise in the gym industry in Greifswald. “The opening of the Studio of the chain smart fit” in July 2012 may be just the beginning. We want to present three selected gyms from Greifswald. Smart fit, Ernst-Thalmann-ring 56: the discounter is known for low prices and solid devices training. Who searches for an intensive care, should look elsewhere however. The generous opening hours are convenient for working professionals. Sportpark barge, on the throne post 12: the Sportpark barge is an old school gym. Very personal atmosphere, training equipment, Gym80 brand. A separate women area is convenient for women who don’t like to talk during the training of testosterone pregnant stallions can be. Liberty Fitness, the bakers meadows 5: gym liberty fitness shines with a wide range and a competent collection of exercise equipment from life fitness. Who wants to use even wellness – and health offers except the fitness training, is right here. We are curious what gyms will in the future open and ensure more competition in Greifswald. Until then, please refer to find Fitness.

Brazilian Gasoline

You give to reach the dreamed exploit of adentrar in the biggest world-wide market, badly obtains to supply its domestic market. Worse, it imported inefficient etanol of American maize, in the peak of crisis R$ 0,40 more cheap than the national similar. One contrassenso for a tropical country, with land, propitious water and climate to very supply its domestic market and of the external market. After as much fight consolidating etanol as commodity, if it cannot lose the uneven possibility to supply the pujante international demand.

The Brazilian government decided to after act the economic crisis provoked by the sudden rise of prices of etanol, that it also pressured the indices of inflation in 2011. It defined that etanol is a strategical fuel and not only one derivative of the agricultural production. It determined that Petrobra’s acts as a great one player in this market, with plans to triple its production in four years, of current 5% for 15% of the total of etanol produced in the country, and thus to minimize the problems of period between harvests and volatileness of prices. A so complex problem as the market of etanol starts to be decided with the confrontation of its structural problems that had reduced the competitiveness of the product. It must be searched conditions for a new supported cycle of growth of the industry of etanol.

Some measures that demand courage and effort politician can be cited: to adjust federal and state taxes, reducing aliquot to improve the competitiveness of etanol front to the gasoline; bigger investments in research in favor of energy and ambient efficiency of the vehicles flex; strong incentive to the generation of etanol celulsico, saw agricultural and forest residues of the biomass; logistic storage and improvement; commitments of long stated period of all the productive chain with offers and the demand; improvement of the infrastructure and the systems of supplying. Currently the market inductors are very distinct of those observed in 2005. the topic at hand. In these last six years, the cost of production of etanol increased 40% more than and the product lost competitiveness front to the gasoline, that follows the same with price since 2005. Beyond the significant reduction of edges, that do not justify high investments in new units, the entrepreneurs if feel in relation to the lack criteria in the setting of price of the gasoline unsafe. As much the public power how much the fuel plants and deliverers suffer with improvisation, lack of planning and politics of long stated period. The government has now that to face in short term a possible increase of demand for gasoline and a probable lack of it offers of etanol, events to be taken care of unhappyly by means of importation. The disparity enters offers and demand of etanol is generating distortions in the market. To each year the prices are if locating in raised platforms more. For the Brazilian consumer, therefore, the notice are not alvissareiras. At least per more three years it offers of etanol cheap is discarded and its future is again in game.