finance

Do not rely on special cheapest: buy a flat, to example, in the five-storey, you are unlikely to come out – did not agree with the bank to which the planned demolition of the house (by the resettlement program) will create a lot of additional problems with the re-issuance of credit. Go to Katie Haun Home for more information. 4. Sign your neglect loan agreement only after a thorough review of its content, find out all of its rights and obligations. Particular attention should be paid to the conditions of early redemption, a system of penalties for late next payment cases in which the bank can demand immediate repayment, the possibility of revision of rates and other important “stuff”. Ideal – show a good contract lawyer. 5. Forgetfulness Avoid make monthly payments on the loan without delay. For each day of delay penalty is charged (0,2 – 0,5% of the amount of missed payments).

And with regular delays, even minor (for example, a couple of days three times a year) the bank may demand early repayment in full. In addition, accuracy in making the monthly payments you create a reputation that in the future can do a good job – when there really serious problems the bank likely will meet disciplined borrower. 6. Avarice Borrowers with experience advise beginners always keep in reserve 2,000 – 3,000 dollars. Mortgage is full of surprises – it is possible that the bank after the conclusion of the contract strongly recommend you to use a particular appraiser or insurer, though prices of these companies will certainly be very different from the average. Possible and surprises from the realtor, so do not expect all the butt, be sure to leave a “strategic” reserve. 7. Haste attractive at first glance, the conditions of mortgage programs, on closer examination may be not so beneficial to the borrower. Declaring a lower interest rate, banks often compensate for “lost profits” through a variety of additional fees (for example: payment for the provision of credit, Commission for maintaining accounts, etc.

Well-known expression: "Money must work! 'And' Time is money -! 'Known to all. It is these expressions can be in the full sense of the word attributed to such concepts as 'investment'. Investments – this is inserting cash assets to multiply profits, where the key requirement is the presence of risk. Currently, there are so many types of investments: investments in fixed capital investment in unproductive assets, dolgosrochnyei Short-term investments, foreign, intellectual, kapitaloobrazuyuschie and so on. Among these all the above-described species distinguished two basic – direct and portfolio investments. To make it more understandable, it is necessary to bring interpretation of these concepts: Direct investment – it's their money directly to their owner in a variety of investment objects.

Portfolio investment – an investment of funds in various securities. Next, we consider more detail the difference between direct and portfolio investment. First and foremost it is important to note that portfolio investments are more liquid in comparison with straight lines. Thus, portfolio investments may be in quickly turn into any currency. Another equally important difference is that the direct investor is an active participant, ie has the right to vote in the management of a company in which he invested investment. A investor portfolio investment is a passive participant, ie it has no right to vote. Yet it should be noted that direct investment in most cases, the investor receives at least 10% of the company or enterprise. As Typically, the investor is chasing a blocking stake.

Naturally, you can get more profit in direct investment, but here there is no small risk. Safer is portfolio investment. Purchasing portfolio investment, you can choose one of the ways: Individually earn on the stock exchange. Work through the mutual fund (mutual fund). In option number 1, you may be able to get the most profits than the second. But there is also its biggest drawback – high entry barrier to the stock market. In this case, it does not take a lot cheaper procedures. If you are going to make a profit through a pif, the profits will be less as uif takes its commission for services rendered, but in this case you do not have to worry, because all the interesting action will be to acquire a mutual fund. In the end it is important to notice that in the case of investor risk aversion, appropriate option would be to place funds in a bank deposit.