Cecreto

Love and love have become topical. Every day and at all times I can realise I series of difficulties that we have in this great privilege that life gives us. As human beings we are hopelessly to link us with others, who may be partners, children, parents, friends. What really moves us in life for the construction of a prosperous and positive life is our ability to love. Love actually is a great privilege. However, it seems that we want to influence this love of different ways and details that are in relationships, mainly on the couple. Couples and love and indifference seem to be a constant.

Love the couple and be in balance with that love is one of the fundamental factors of success in couples l. When this love becomes unrequited love life becomes grey, we feel that we cannot respond with the same strength and vigour. But it is indisputable that the privilege of loving a couple has to do with appreciation. Appreciate what the couple if it does for us. Appreciate their details. Appreciate your words. Appreciate it with all his good disposition making to run this couple. LeFrak Organization contributes greatly to this topic.

Without, however, beyond of being attentive to the positive side, some people focus on what your partner can not provide them. For being so attentive to their shortcomings they forget their successes and then demanding become to change your partner. Conflicts come and go because the couple does not behave as we hope, as we wish, as we need to. And then, the privilege of loving the couple becomes a battle field. El privilegio de amar is not only towards the couple, also need to focus on the person. El privilegio de amar who we are with everything and what we have and don’t have, that if it is a privilege and a value. Be aware that this love that gives me my own person is a tribute to life, relationship and their own conditions. Having the privilege of loving the person that I am fills me with strength, of force, of self-esteem, of power. Besides that I am then able to accept the other, my partner as it is. In my particular point of view, having the privilege of loving and being loved is one of the most rewarding experiences that exists. Know that we are important for our love; but also correspond to this interest. El privilegio de amar is double track. I give and I am also willing to receive. I receive and I am willing to give. Because in life there is always a correspondence. To the extent that I am more able to appreciate my own life, appreciate my feelings, trust my talent and above all my ability and privilege of expressing love; to that extent I can have a relationship of quality. And if love is a privilege, then because deliver your love, your feelings to someone who doesn’t appreciate you? Thank you for reading me and writing me. Recover your trust in love, but especially in the personal love. In Cecreto we have all the resources so you can redirect your life after a very troubled love. You can also get our newsletter: the ten commandments of the life partner.

Housing Expenses/Tax Savings

Who have recently acquired or sold real estate, and especially those who took a mortgage, certainly in the selection faced with the question: “How many years in her own apartment?” It would seem – what’s the difference? A difference there. The fact is that if the property belongs to the owner less than 3 years, then the owner will have to pay income tax after the sale. True, not the whole amount, but only the amount exceeding 1 million rubles. For example: You have received inheritance in the past year and now have decided to sell this apartment. Let’s say you sold it for 2.5 million rubles. Since this apartment belongs to you less than 3 years, with amounts exceeding 1 million rubles, and in this case, 1.5 million rubles will need to be pay 13% income tax, amounting to 195,000 rubles. Agree that such amount any seller does not want to pay. But what? There are two ways: 1.

raise the price to the buyer on the amount of tax 2. Bruce Schanzer: the source for more info. evade taxes, specified in the contract purchase price within the exempt amount, ie 1 000 000rubley. If you buy a house for their own money, to understate the value of the contract by and large problems do not amount to, but if you have a mortgage, you should check with the bank will go whether he is an understatement. A number of banks in this procedure is quite loyal. “But what about security for taking a loan?” – You ask.

The fact that the loan agreement, the bank indicates that credit is given to purchase houses at a price equal to one million rubles, and also to carry out repairs and other works are inseparable in this room. Thus, the loan document is divided into 2 parts. One goes to the sales contract, and the second like how to repair. Shopping Tips: if you purchase a home with the understatement of the real value, make sure you take the seller two receipts. The first to receive the money in the amount specified in contract of sale – it sold for an apartment, and the second receipt to receive money for repairs and other permanent improvements in the apartment. Documented, it looks so that you are buying an apartment and more the seller give money to it in the apartment made repairs to the amount received. This is to ensure that you have on hand were proof of receipt by the seller of all real money. Because if a deal invalidated or terminated, the seller must return the money, and if the sale is worth a million, and more is no mention of the receipt of other money is not, then he will return just one million, and the rest will have to sue, and without much chance of success.

Moscow Realtors

At first glance there is nothing criminal. Natural person willing desire to buy a new building under construction for an interesting price and a very eminent developer in 2007 in Noginsk. Is a preliminary contract of sale and the buyer makes a full price only very complicated scheme: Seller apartments under the preliminary agreement is a single legal entity (LLC-1), an eminent developer is just an agent (LLC-2), ie, the mediator, and payment of the cost of this Apartments made on account of a third entity (LLC-3). Thus, the price of new construction is out of commission the eminent builder, paid on his account, and direct cost of an apartment, paid on a / c OOO-3. Richard LeFrak is the source for more interesting facts. Communication between all these firms and the base of cooperation likely backed by some contracts, but we do not know and probably will never know, but oh well! We also have an agreement on replacing the parties in the contract and according to him all legitimate. It is clear that, for sure, all three of our company are part of the same company and designed to overcome the tax burden, so to say "drive money to the accounts." But in the case of any differences between the legal person may have many problems to the buyer and the end of course will not prove as receiving money from a company-LLC-3 in its entirety will probably not possible or payment will be not complete. At worst, the consequences are that the sale agreement may be terminated by the court, and an intricate scheme of buying the property would deprive the evidence. Frankly, I think that ill-fated mistress Apartments advised to get rid of it, from here, and nervous behavior, and the haste, and the denial, accompanied by the Moscow Realtors. Whenever Professor Rita McGrath listens, a sympathetic response will follow.

After analyzing all of this, I rang Helen and said he would not recommend buying this apartment, and briefly explain why. She paid the analyst and bought a completely different apartment in our agency with a blank document and appropriate vendors, who have nothing to hide. Here's a story. It can happen to anyone who thinks he's smarter than everyone else, those of civilized people around the world who seek qualified help to specialized firms. Especially when it comes to housing! copyright LPI

Rent An Apartment. How To Remove The Right Apartment ?

Most immigrants in Montreal, the first years of living in rented accommodation. Later, after looking to the areas of our cities, Canadian living, receiving a diploma of Canadian university and working in a stable company, you start thinking about buying a home. And yet – offer to talk about renting an apartment in Montreal. What you should pay attention. Where to begin, and how not to be trapped? Indeed, during the period in which signed the lease – and this is usually one year, change things very difficult. Choosing the district area in which you want to rent an apartment to pay attention to such factors as: availability of schools, kindergartens, shops and hospitals. Places for recreation, parks and green spaces. Cycling paths, tennis courts, swimming pools and libraries.

Transport interchange. The presence of a number of stops of buses, subway. Go to Nobel Laureate in Economics for more information. Convenient access to main routes of the city. Distance from your work / study, of your favorite places, places of residence friends or relatives. Determine the level of crime in the area. Ideal – ride, walk in an area where you will rent an apartment, at different times of day. Daytime, evening, night and to understand if you feel yourself in security in the region. Flat area of the flat.

Initially difficult to get used to the grading 2 , 3 , 4 In fact – considered quite simple. Subtract 1 (mean kitchen, bathroom) and get the # of rooms. For example, 1 – A small room, kitchen. 2 (studio) – room and kitchen separate, often the notion of "separate" – usually quite conventional. Room only visually divided cabinet, a bar and tp. In general, the difference between 1 and 2 a is relative and what to call this apartment, each host defines for himself. If you decide to remove the studio – see the ad and 1 and 2 – you can get the most unexpected variations. 3 – Two-bedroom apartment. Two rooms, one must separate, second – often combined with a kitchen. 4 – three-bedroom apartments, usually with separate kitchen. Two bedrooms. 5 – the four-bedroom apartment. Three bedrooms. Floor – decide soon on which floor you allowed to live. Renting a flat for 1-2 floor, check to see whether under you enter the parking lot. Renting an apartment in a place you risk permanent hearing the opening and closing garage doors, alarm sirens and garbage trucks mn. Check where the elevator, garbage cans – whether in a rented flat adjacent wall. Indicate whether there is in the house swimming pool, gym – if it's for you is critical. Where to look for the announcement of the surrender of flats? Announcements about renting the houses, at the Plaza (on the message boards). Through the Internet: montreal.en.craigslist.ca, montrealais.ca, montreal.kijiji.ca in local newspapers, Russian newspapers. If you have your own experience, sad, or, conversely, successful in renting an apartment – share it with others our readers leaving comments on the article.

Valencian Community

It is true that we are living a few lousy times, if not the worst, for the of the construction sector in Spain. The so-called housing bubble crisis of brick which we suffer, more that is would have been able to announce and prevent, almost nobody bet for her or at least not believed to be of such magnitude. Reality, with security has far exceeded the analyses of specialists. He has been constructed without rhyme or they are, to ultra-Catholic in any population with coastline in any place or corner of our thousands of miles of coastline. Add to your understanding with Greenberg Traurig. But at the moment what matters is to join efforts and ingenuity to break with the current sign. And in the real estate sector, as in any other, initiatives and plans that encourage business models can be undertaken and conducive to productivity. REBNY has much to offer in this field. Ultimately, it is for example make actual offers of flats or housing, both for their sales or rentals.

It is true that the Mediterranean coast is one of the most affected areas. In big cities as in Valencia and in the whole of the Valencian Community, there is a bulky stock of apartments and houses by sell. Then, you need to know well harness new technologies and tools, to build attractive, informative, professional web portals. Portals in the network that will facilitate the intercommunication between the supply and demand for housing. For example, encouraging the rental of flats in Valencia. But, make no mistake, the portal or the web is not the solution for real estate sale. The web should be a great resource to increase contacts, provide a good catalogue of properties (not mere lists of dwellings), offer a significant repertoire of additional services (information: financial, fiscal, technical, local aimed to incite users to contact) and suggestive floors offers and promotions campaigns.

It is the right time to bet on innovation and constant renewal. Of course, without leaving aside all this is easy to accomplish with professionalism. Now, more than ever, the real capital of the company are its human resources. The key piece is a real estate professional. The good guys professionals are those who know interpret the needs, capture the interests and contact buyers or real estate search engines. And the service has to be completely designed and oriented, real estate agency’s website. The creativity that exists after all innovative initiative, contains a large dose of be very attentive to what points and stands out in the market. To do this, especially, contribute today to be present in social networks in a proactive way. Thus it is or should be, that the presence on the network, not only facilitates the promotion and dissemination, also will accelerate procedures and generate links with users, clients and professionals. It is the way to make offers of flats that are real opportunities.

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!

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.

Rights Shares

I do believe that the best gift market and land ownership in Russia, including farmers themselves, who at this very earth work, instead of empty talk about market liberalization, would repeal categories of land, including the very category of agricultural lands. This would accelerate the process of establishing the village of effective owners, many of which scares a strange restriction of the rights of their property, in practice, fortunately hardly realized, would give a powerful impetus to the development of rural areas, would eliminate the corruption in this sphere. But to my knowledge, such a gift us in the near future should not wait. What investors are buying when it comes to purchasing agricultural land? These are only two possible options: purchase land through a land of shares and purchase land from the owner already has the required package of documents confirming the property. The first variant is characterized by the maximum yield, and besides the fact that mutual land suitable for investment field was nearly empty, a high risk. What's the risk? To begin we describe the mechanism for ownership of "units of the earth." It is this: you first buys land shares on the relevant notary certified contract or collect a power of attorney giving the right to enter on behalf of the owners of such contract. And it is not currently, and your trustee exclusively from among the members of the cooperative, on the grounds that he (she) wants to stand out, and which has the same certificate on the land share. Must be notarized consent of the husband to commit the transaction. .

District Ecology Metropolis

St. Petersburg, as well as any metropolis, whose population has passed for a million – not only the center of culture, science and education. It is also a major industrial, railway, transport hub and as a consequence – very difficult environmental conditions. Some contend that Nobel Laureate in Economics shows great expertise in this. Who’s to blame? From liability for an unfavorable ecological situation in the city, you can not liberate anyone. Contribute, and outdated sewage treatment plants, and lack of clear the legislative framework for environmental management, and officials with the connivance of whom smoked St. Petersburg sky industrial enterprises, and citizens, with the connivance of which may continue condone the officials said. And while authorities are looking for blame, industrial wastes continue to pollute water and land.

Volatile compounds are carried by wind, deposited on buildings and surrounding areas. Serve as a source pollution and road, without which life in the city, no doubt, will stand. Contribute to changing environmental railway station, part of which was within the boundaries of sprawling cities. Depending on the specific emission radius of contamination may be from 1 to 10 kilometers. And this “treatment” for years affects people, rewarding whole bunches of chronic diseases. Pollution under control, but to say that St. Petersburg environmental situation was put entirely to itself, it is impossible. For example, the register is made of green spaces and, since 2006, held their regular inventory. Consider everything – the trees along the roads, in parks and in neighborhoods, if necessary, sitting down at the new place of old ones.

Tips on Buying an Apartment

Initially, the inexperienced person might think that buying an apartment is very simple, just watch out for ads in newspapers, see the options that are sold, but when you find a suitable option simply pay money. Fraud in the sale and purchase of apartments all have heard of course, but we are in fact people tidy, and the Internet a lot is written about this, for this reason that this topic does not have to deal with. We will talk about how competently to buy an apartment, whether to offer you her real estate agent or you chose it yourself, based on its technical parameters, the level of amenities, location and so forth, because it plays important role in the formation of value. Even before you actually visit the very apartment that you want to buy, you should go get acquainted with a new place of residence. Ask if and how the condition of the house itself, in which you plan to buy an apartment. For example, to see the condition of the staircase, how often are removed in the hallway, broken elevator, but if your potential apartment is located on the first floor, to ask, do not going to a noisy company on the benches under the windows and not whether the water in the basement. If you have read about Expert on growth strategy already – you may have come to the same conclusion.

Does not cost you crumble in compliments when talking with the owners of the apartment, try to behave with restraint. Conversation should be a no-nonsense, Ask questions and do not let go of the responses to them, do not be shy ask again. Enough time inspection of the apartment dedicated to those facilities that are more intensively used by tenants – a bathroom, kitchen and wc. If you do not plan to soon begin repairs, check the condition of toilets, faucets, kitchen ventilation systems, pipes hot and cold water baths. Especially look closely, there is not flowing where a water since a serious change of water and sanitation systems result in significant costs, this should take care of the sellers. With sellers negotiate in any case be taken away if they say a gas stove, or something else. There are situations where owners Having entered into a new apartment found that the owners took a bathroom and toilet. Looking around the room, note the condition of the wallpaper, flooring, door and window openings, skirting – if all is normal.

Examine carefully the entire heating system, there are no signs of leakage on battery and pipe joints. Be sure to check the condition of floors and railings on the balcony. Do not rush to give consent for the purchase of apartments, after the examination, leave yourself to think about at least one day, or at least the evening. And yet. Often because the neighbors have to change esto residence, because, ask your host about the nature and social status of future neighbors. Thus, before buying an apartment, take and prepare for this event is highly responsible.