Real Estate

What determines the price of real estate, it will be cheaper or more expensive – care about this issue and the investors who buy property as an object for capital growth, and ordinary citizens who want to improve their living conditions. To answer this question, we need to know what influences the price of real estate. It seems to be affected by everything: the cost of cement, and earth, and the labor force, location and corruption. Robert J. Shiller is actively involved in the matter. Realtors and developers assure us that these components determine the price per square meter. But from a macroeconomic point of view on the price of housing affect only two factors – a buyer's creditworthiness and the interest rate on the mortgage.

The higher the solvent demand and lower interest rate, the higher the cost of housing, and, conversely, the smaller the population gets and the more expensive loans, the cheaper the property – and not let developers tell stories and Realtors about the cost of construction and land values – are secondary factors that formed the basis of real estate prices. The most important factor, as if a reference point that affects the price of real estate – is paying population. What average amount of money people can afford a monthly basis to provide for repayment of the loan on your property? Determine quite simply: how much is currently worth rental property – roughly the population and can spend to pay for property when buying on credit. If it is 20 thousand rubles a month, a man for 10 years at 20% per annum anuitentom can take a million. If only 10,000, the loan is not more than 500 thousand rubles.

The next most important element – is interest rate. When the same data, but if the interest rate was not 20% per annum and 10%, with 20 thousand people would have received a loan of 1, 5 million, while 10 thousand – 750 thousand can see that with increasing amounts of 2 times, we are a factor of 2 can increase the size of the loan, and if reducing interest rates by 2 times – only 50%. That is the size of the loan, primarily depends on the size of the possible payment by the borrower. By the way, if the cost of the mortgage was on par with the U.S. – 3%, then the same conditions for payment of 20 thousand could take nearly 2.1 million That's why real estate in developed countries so expensive. That is to understand what will happen to real estate for the foreseeable future is quite simple. If household income increases, if reduced interest on loans – real estate will rise. If rising unemployment, delayed wages, interest on loans rise in price month to month, then property prices will fall. But everything else is secondary!

Publications Skills

Other categories include relevant work experience, volunteer experiences and other skills such as information, the publications that may have written or contributed to, and language skills that could apply to the position. Finally, you your reference list or make the statement "References will be furnished upon request. Let me give you important tips on references. Not someone as a reference list, unless you have obtained your consent to do so. Want the person can ask for a reference to a former boss, teacher, longtime friend who is familiar with their skills, and possibly your clergyman. The appearance of your resume is very important. The font used must be clear and easy to read.

The source of proposals for a curriculum vitae is a sans serif font such as Arial and Verdana. These fonts come out more clearly in faxes. The format of your resume should be simple and plain. Must show their achievements. The employer must be able to scan the page and get a good understanding of whether or not it would be good for the position. Another important consideration for your resume is the type of paper you use.

The acceptable colors are white, cream, white and gray broken. And they are easier to read and highlights the source very well. You must use the same type of paper for your resume, your cover letter and its envelope. Many stationery sets paper and envelopes for your resume. Log in consultation with a sales person to find out what they have to offer. You can always put on a disk and the disk to a printer and have done professionally. When you are describing skills, education, or experience. Use action words. Instead of starting a sentence with a noun to use a strong verb. When you need to put in numbers use percentages, and dollar amounts. List the number of people who also supervised. Keep the length of your resume to one page. As indicated employers do not have the luxury of spending much time on the resumes they receive. Some companies can obtain a large number of resumes and most of the time they scan resumes. Include only the most relevant information. You can fill out the information in a letter or an interview. An important part of your resume is the employment target. Are you going for a teaching position? His curriculum vitae should reflect the composition of teachers, their scores on tests of the specialty. If applying for a job in a department store in which you type your babysitting experience. Everything is relative. While the letter is not a resume, giving you the opportunity to expand a bit on the information you set in the resume. Also in this case use strong action words and strong descriptions. Ensure that all information in the resume and cover letter is as accurate as can be. There are numerous resources available to you, such as pre-employment counselors, the office of his college career, and a series of books on resume writing and how to get a job. Inline search, sources on the Internet are almost limitless. If you must go to human resources department of a company that is similar to the one you are interested in.

Cooperative Properties

Member of the cooperative unit is vested in him, which had two components: the estate of a share (percentage of movable and immovable property of the cooperative, expressed as a specific sum of money) Land of the unit on which issue certificates of ownership of the land share. The latter, in common parlance is called a unit. So here goes: money to buy land and property of the unit from its employees for good money directors was sorry, but in most cases they were not at all, but really wanted to get the property, and that's born on the protective mechanism in which to buy – or to bypass the chairman, in strict accordance with the law has become impossible. Many of them have quietly bought back shares from the peasants for pennies somewhere in general for a cart of manure, and today have become very wealthy. Someone under the sweet songs of agriculture manipulated meeting of shareholders and its results, slowly selling off the most tasty morsels of cooperative lands. In gratitude for their deeds, the Communists from year to year received solid support in rural areas: there are still voting, so "How to tell the chairman." Then already under the influence of a powerful regional lobby that the laws "On the transfer of land from one category to another, who gave it to the authorities de facto control over this market and provide inexhaustible source of financial resources, and some of that money even goes to the cost needs.