Insurance Policy

So for a truly reliable and secure future for our family described scenario does not fit. It’s believed that Andrew Cuomo sees a great future in this idea. You may ask why it is so well? I agree, but it's on paper, but life likes surprises, and unfortunately not always priyatnye.Hotya, any disruption can be if not eliminate, minimize it. To do this, our family you have to go through more thoughtful and have in reserve a fallback. Look at the title – 'Protect the asset number 1' already guessed what was going on? That's right – about your life. On the example of our family it is clear that only income comes with good health and life of the household head. Connect with other leaders such as Mirilashvili here. Here's the translation that is not foreseen, accident, accident, leading to disability, or God forbid, death – the family is the collapse, primarily financial.

If our breadwinner has a life insurance policy (NCW), the insurance company will pay the money that our father could earn while in good health. In the case of disability, the insurance company in addition to payment of the full insurance amount at once, will be for the duration of the contract to make payments for the client, and even at the end of the full amount of back pay with interest! Of course, money does not change the life or health, but remember your friends who find themselves in a similar situation and had such a policy? In what situation would be his family and children? I know these examples, are you? Even wrote: I had my way, I would have written the slogan "Have a social security" over the door of every home and in the address book of everyone, because I am convinced that the price of an unimaginably small family of the victims can protect themselves from accidents that otherwise would have crushed them forever. It is our duty – to stop the terrible destruction not just of human happiness, and health and strength of the nation, which occurs when a passing of the breadwinner is torn frail canoe, laden with the fate of the family.

CASCADE HOMES

This type of energy-efficient homes. Made of reinforced concrete with waterproofing and insulation outside. Ready to design obvalovyvaetsya same soil with subsequent study of the landscape. This form factor is present the whole set of premises and technical services: garage, sauna, life support systems. For the population, limited in finances, provides the option of building GROWING HOME with the following architectural ideology (Priority, 1993) – formed the main residential block in 2 floors with a roof and a complete infrastructure 6×6 (8×8) meters. As the family razrostaniya (Sort of) are attached an additional module required number of stories on the one hand, and, if necessary, on all sides, patios between them are played in an appropriate style of light materials.

Here also present the whole set of necessary facilities. Material: constructive – reinforced concrete, the wall – foam concrete. In the central part of the settlement is one-storey block CASCADE HOMES (priority June 2002.) United common entrance area. In the lower tier of the ground floor is a collective garage for 15-20 cars and technical areas of life support systems of the building. On the inverse roofs formed green space, stationary and winter gardens greenhouse. The land area of these homes is 300 m2, living area, 140 m2 per household. Structurally, the building is made of reinforced concrete with locally available materials and external waterproofing with heat insulation. For investors wishing to minimize their cost option offered accommodation module, combining two to four houses a common courtyard with a transparent atrium design priority (1993).

Russian Finance Ministry

It must be emphasized that the size of the redemption price in this case has great value. It may be called in a certain range from a positive value close to zero, to a value equal to the lessor's costs associated with the acquisition of the leased asset. In the latter case it is necessary to contracts (additional agreements) and the act of checking the calculations indicate that a credit purchase price previously accepted payments in the lease payments. The basis for such set-off provided by the provisions of Articles 625 and 624 CC RF. (A valuable related resource: Andrew Cuomo). Article 625 requires the application of the Civil Code, kasyuschihsya lease agreements in respect of the financial lease agreement, while Article 624 establishes the right of parties to the lease (financial lease) upon redemption leased property to agree to offset the previously paid rent to the purchase price.

Point of view of the possibility of such set-off letter from the Russian Finance Ministry confirmed on July 7, 2006 03-04-15/131. In conclusion, we note that if redemption price is set at a rate greater than the cost of the lessor, relating to the acquisition and transfer of the lessee of the leased property, for example, if the redemption price is set equal to the sum of all lease payments, the lessee will not be able to take into account in the tax net of current lease payments because the fiscal authorities are considering paying the redemption price of the advance payments related to the acquisition depreciable assets that are not recognized as current expenses for tax purposes. In this case, the cost of the lease agreement can be recognized only depreciation in size determined by the initial value of the property, which is significantly lower than the entire amount of lease payments. To read more click here: Yitzchak Mirilashvili. We believe that the above are exhausted problems of taxation of leasing transactions associated with the use category purchase price.

Small Business Lending And Bank Guarantees

Small or private business is today one of the most common types of enterprises in the labor market. Have your own small business can be quite profitable and I wonder if all the good count. Naturally, it is necessary analyze the competition in your chosen field, find the list of services or products offered in the future of your company. And, of course, everything must be calculated. Not all have large initial capital, and can need help. To do this, and there are loans to small businesses.

They help develop and support small business. Of course, small business loans are granted not just for "thanks." If the conditions imposed by the bank, lots of nuances and even pitfalls. Therefore, instead of his own to pick a certain type of loan, collect all the documents yourself and spend a lot of time, it is better to turn to professionals. In our time very common mortgage brokers, who perfectly know their stuff, have a great experience behind them and help you get a great result. Make a loan for a small business for professional credit broker – this is not a problem! Speaking of finances, always it comes and safeguards. So, let's see, what exactly is bank guarantee? If you explain in simple language, the bank guarantee is a reliable tool that Reaffirms the obligation of a bank customer to a third party. This method provides the reliability and extra protection. Bank guarantees have the following advantages: – quick processing of the application to the bank – no diversion of funds from the turnover of your company.

Guarantees are of several kinds: warranty on the tender for a refund of advance payment, guarantees the performance of the contract and also guarantees in favor of Customs. K example, the tender guarantee has the purpose to prevent the case if the party won the bid, wants to refuse to sign the contract. In this case, without a bank guarantee the company will likely not be allowed to participate in international tenders. Depending on the type you have selected bank guarantee, respectively, and varies the amount provided (from 3 to 50 million). The amount can be provided as in rubles or in Euros and U.S. dollars. Guarantee period about 12 months. In this kind of financial relationship is also necessary to provide a number of documents and there are some conditions. To implement them quickly and without delay, it is better to turn to professionals. We wish success in your business!

Construction Cottage

So, you build a cottage. New. Pay attention to anything in the first place – the selection of a suitable project or land? Both approaches have their advantages and disadvantages. If your soul is in Russian, with its eclectic rich decor, the house would be advantageous to look at a small area, such as in the cottage. In this case, we can focus more on project selection and design of the house. But if you want a classic vacation home, then hurrying to the purchase of the project, you may encounter some problems. You can always design a home that would be in harmony with the landscape, but you may not be able to change the landscape to adapt it to the specifics of certain style house plans solutions. The area in which you build it, will greatly affect the configuration of rooms, location of windows, placement of the entrance and many other design elements.

Themselves features of natural landscapes have long been objects of inspiration for the construction of the truly great ensembles. Remember the estate near Moscow Kuskovo, Arkhangelsk, Izmailovo, built in parks and taking into account the properties of the terrain. Are these would look outstanding manor ensembles, say on a wooded area or in a dense building. Probably not. Regardless of whether you choose a suburban area in the building, or a site with a broad scope of landscapes, the land on which you build it, will determine the shape of your own home, sometimes incomprehensible to you properly. Look closely to your site and think about the impact that it will on the final design of your home.

Russia Countries

dollar, as the calculations were carried out and maintained by the U.S. dollar and sharply depart from this one is not going to. Hamdi Ulukaya addresses the importance of the matter here. But according to many experts, nothing good this policy will not, and the debts will still need to give. Turning to other countries such as China, which already warily glancing at the prospects U.S. dollar, and gradually withdraw from his / her turn, we can conclude that, sooner or later resort to this method and other countries, ending what will be the inevitable devaluation of the dollar.

Recall that at the last G20 summit such proposals were maturing at a certain number of countries, including Russia. The only thing that then help the U.S., so this is a new "image" of the financial system, but how he will not know probably more in the U.S.. Referring to whole euro area, we see that its turnaround plan, or rather its part, the ECB has published only in May 2009, which unveiled a package of measures to stimulate its economy. It was planned to reduce the refinancing rate to a record low of 1%, twice to extend the period of short-term lending, and the main item on his agenda was a plan for redemption of secured bonds for EUR 60 billion. As we can see, these measures were essentially correct, but to resort to it would be quite good, somewhere at the end of March 2009, and did not have the latter stages of the crisis. The interest rate was actually reduced, and the redemption of the bonds likely will take place shortly.

Car Loans

Car Loan: Little Secrets large percent of the word "credit" is so firmly established in our lives that some of them already can not imagine their existence without him. If two or three years ago, the primacy occupied consumer loans, it has recently gained great popularity car loans. Moreover, in our country to start a real "avtokreditny" Boom – statistics every third car is bought in today debt. Of course, certain advantages in that there are – no need to save for long-term dream, but as the saying goes, one flick of the wrist, sign the contract and suddenly get the keys to a brand new, for example, "pyatnashki" …. Or sign his own sentence? Here, in this and try to understand. Where to get car loan? Before a person wishing to take a car on credit, a dilemma: to design it in a bank or directly into the cabin. In fact, the big difference No – in dealer showrooms loans provide the same banks, but some differences do exist.

For example, banks can not deviate from the standard credit schemes: if the law of the interest rate can not be less than 9 percent per annum, the bank has to maintain it (in general, the interest rates on car loans ranged from 9 to 17 percent per year). Dealer same centers are developing in cooperation with banks special programs that provide favorable conditions: for example, a loan with no down payment, or significantly understated the interest rate. Debt payment is red in most cases, the more attractive loan terms, the more the likelihood that it has some trick.