To date, we can easily find a bank deposit at 15-20% per annum in rubles that a year ago, it seemed unreal. This fairly large numbers. And given inflation rates, we can safely say that you will not only save your money, but also to increase. Crisis – this time, profitable investments and purchases, including those in the market of bank deposits. On deposits can now be as earn and lose.

The result depends on the parameters of the deposit and your goals. Learn more on the subject from Wang Qunbin. Bank deposits now – it’s a great opportunity not only to keep the family budget, but also greatly multiply! To these words were more understandable, let’s look at the chart below: Invest in a month, got through 5 years, got through 10 years, got through 20 years, got through 30 years of 500 rubles 44 600 rubles, 133,060 rubles, 666,260 rubles 2,811,070 rubles 1 000 rubles 89 200 rubles 266,115 rubles 1,332,520 rubles 5,612,140 rub rub 2 000 178 410 532 225 rubles rubles 2,665,050 rubles 11,244,280 rubles, 5000 rubles, 446,030 rubles 1,330,570 rubles 6,662,630 rubles 28,110,700 rubles 10 000 rubles, 892,060 rubles 2,661,140 rubles 13,325,265 rubles 56,221,400 rubles at an interest rate of 14% per year in this example, we considered the bank deposit, with interest rate of 14% per annum, with monthly capitalization and the possibility of additional monthly fees. 14% – a rate that existed before the crisis. In the spring of 2009, when a shortage of liquidity in banks was particularly sensitive in the deposit market were much more interesting proposals of 14 percent per annum..

Czech Property – A Successful Investing

Real Estate Czech Republic remains one of the available in Europe for foreign citizens in Russia and cis. Property in Czech foreign citizen may acquire a legal entity registered in the Czech Republic. Open firm Czech Republic, where the foreigner is the founder, allows you to buy and place your property to your company and thus be its owner. Yes, the additional costs associated with registering the company must take into account, and more need to consider two plus the firm in the Czech Republic offers you the opportunity of submitting documents to the Consulate of the Czech Republic with a view to obtaining residence permit in the Czech Republic and that the firm can engage in activities developing their business. Learn more at this site: Nicholas Carr. According to the company foreigner receiving long-term multi visa type D, internal designation number 65. This visa can be renewed an unlimited number of times. Real Estate Czech Republic continues to rise in the price of the last five or six years, the rise in prices is connected, first all, the high demand for real estate purchase Czech citizens, foreigners wishing to invest or reside in the Czech Republic. Opportunities of using bank mortgage programs allow you to Czechs enter into a mortgage contract for a period of forty years, and foreign nationals for a period of thirty years. Foreigners wishing to invest in the Czech real estate often get her into the mortgage, lease and facilities from the lease of repaying monthly interest of a mortgage loan.

Good Financing To Buy A House

If you want to buy a house thinking, always being a good funding for it. Usually you have saved up the money not to pay for a house purchase in cash. There are many financing options. One can conclude, for example, a building society contract. The sooner you do before the house purchase, the better. For a building society contract must meet a certain qualifying period.

It is paid a percentage of equity that will be remunerated at a certain percentage. After the agreed term is a credit available, which is very low interest when it is being used to buy the house. See Nicholas Carr for more details and insights. But also for renovation, modernization, or about the purchase of a new kitchen can be used a building loan contract. Another financing option to buy a home, the traditional bank loans. Here, the bank, requested in connection with public building banks and similar institutions for a loan. Disadvantage is a much higher repayment, with interest and compound interest and fees will often be 1.5 times the original purchase price as a refund due. The most favorable financing for the desire to want to buy a house, the so-called advance loans. This one has the possibility (for a small fee) to secure the current favorable interest rate for house purchase and construction financing for future projects.

This means that it now includes a credit agreement, the loan amount is paid at a later date, or about 1-5 years later. Only then will begin the repayment of the loan advance. We call the loan and forward loans. These loans are form, it only guaranteed loans for real estate financing. Advantage is the long term and thus fixed-rate period of at least 25 years, compared with a conventional bank loan, which is usually after 10 years and then re-calculated with the market rate is adjusted.

March Income

The relationship between the state and its citizens first and foremost determined by law. Most closely the state enforces tax laws, because of our tax forms with your budget and in these matters with the State better not interfere. Personal income tax or tax on personal income subject to any activities that bring you an income in addition to the principal place of work. Sell an apartment or a car passed at rental cottage for the summer, received a gift or inheritance – all reasons for that in the first quarter of next year you will have to fill out and submit your tax inspection Declaration 3 pit. Declaration of March personal income in 2009 – a 26 some form of sheets, which reflect all the possible options to generate additional income, subject to compulsory declaration. For each separate type of income corresponds to a sheet or several sheets, order completion of which is strictly regulated. There are no documents proving one or another income tax provided is not needed. Technology author understands that this is vital information.

All that is required – this is just to properly reflect their income in the declaration of three personal income tax, and tax but will check the data and decide whether you were sincere in their statements. Carelessness or a desire to intentionally conceal income can cost you in the future. – 5% of the outstanding amount as a penalty monthly, and if that period exceeds 6 months, and all 10%. Therefore, remember: The regular and timely filed with your tax office income tax declaration in March – is not only key to a restful sleep, but your civic duty, for which you are personally responsible.

Faster, Higher, Stronger, More Expensive !

The choice of Sochi Winter Olympic Games venue in 2014 already had a positive impact on the Russian market. In addition to improving the country's prestige and economic recovery in the region, conducting the Olympic Games, there are quite certain items of income, which is usually calculated hosts games and future Sochi Olympics will be no exception. However, not always the Olympics brings only profit, costs for which grow continuously. And were frankly a failure in financial terms the Olympics. German Gref, head of the Ministry of Economic Development and Trade Ministry expects that all costs associated with holding the 2014 Winter Olympics in Sochi will be repaid within ten years, with an approximate initial investment of $ 12 billion. The amount is significant, where did the money will take and what items of expenditure will be spent on? Analysts Antanta Capital on Based ftp "Development of Sochi as a mountain resort (2006 -2014 gg.)" argue that " In accordance with this program, in its first scenario, means choosing the city as the venue for the Olympics, planned to spend a total of $ 12.2 billion from this enormous sum of $ 7.6 billion will be financed by the federal and regional budgets. Sources of funding: $ 7.2 billion Federal Budget The budget of the Krasnodar Territory and Sochi 0.4 Extrabudgetary 4.6 Total 12.2 The core costs of the program – construction and reconstruction of existing transport infrastructure of Sochi, the erection of a complex of sports facilities for winter sports construction and reconstruction of tourism facilities

Oil and the Euro Markets

Because without the filter of the strong euro oil bill would fall without extenuating circumstances on all consumers. Markets. Review of foreign exchange. Investors turn to seek the dollar as a refuge. Date: 17/03/2005 Source: The Bulletin. The dollar gained ground against the euro as moderate after the investors to seek refuge in the greenback against the declines suffered by equity markets, especially during the day yesterday, and the uncertainty arising from high oil prices. The euro started the session in the main European markets over the benchmark of $ 1.34, but did not stay long in this situation. During the morning, investors bet the greenback firmly to the uncertainty it poses to the markets rising oil prices, which the U.S.

currency returned to set up as a proper refuge. It is true that the dollar was punished in yesterday’s session with new record figures in the current account deficit of the first global economy. However, investors have the stimulus of the Fed meeting next week hold, which could yield a further rise of the official price of money, which the boldest bet that will be more aggressive than the last enacted by issuing agency. The upward trend in prices reflected in the most recent data and the increase in the deficit figures have led experts to believe that the scenario is ripe for the Fed to continue raising the benchmark interest rates in the U.S., which favored the greenback rises. In addition, the dollar also benefited from the encouragement of weekly unemployment figures, which met one hour before the opening of Wall Street. The requests weekly jobless claims fell by 10,000 during the last week and investors welcomed the data with optimism, despite the forecasts pointed to a slightly larger decline. Figures were also positive indicators index, pointing to an improvement in the situation of the world’s biggest economy. Meanwhile, the yen halted its upward trend against the greenback in recent days and showed declines driven by uncertainty caused by the rise in oil prices. Japan is one of the main importers of black gold, with so the higher prices is a major setback in order to consolidate the growth figures and away the ghosts of the recession.

Investment In Brazil

“International investors remain enamored of Brazil? From Tuesday 20, foreign capital is taxed in Brazil by 2% by the IOF (Tax on Financial Operations), applying both fixed income as variable. Presidential Decree 6306 provides that the tax is subject to the settlement of exchange operations for the entry of resources into the country made by foreign investors, for application in the financial and capital market. The financial market reaction: The Bovespa fell in the first days after the tax 5% and ended up closing a 3% negative, and the dollar closed at R $ 1.743, an increase of 2%, having reached R $ 1.766 at the maximum of day. The companies in the Bovespa perdierona U.S. $ 55,000 million. Despite the tax, the dollar fell again: yesterday closed at R $ 1.725. The central bank of Brazil purchased U.S.

$ 6,000 million in the first weeks of the month, coming to join the country’s international reserves to a record U.S. $ 232,000 million. On Monday a record was marked for the Bovespa: the balance of foreign investment reached U.S. $ 23,000 million, reaching almost to recover the lost in 2008, about U.S. $ 24,620 million. The same day that marked the highest rate of year 67 239 points, up from 79% in the period, mainly driven by the good performance of commodity prices that drove miner Vale (BVSP: VALE3; NYSE: VALE ) and the oil company Petrobras (BVSP: PETR3; NYSE: PBR). This comes after last Friday, the Brazilian President Lula da Silva a denied creating any charge on foreign capital: a OEDE economy these things, people can not talk.

New Ways to Reconcile Work and Family

This new way of reconciling work and personal life is in the process of “going permeating” the professionals. Will consulting firms themselves, who create trends, defining new ways to develop the business, which will consolidate this new labor model, this new way of life for their workers. This new understanding of “life” will transform the car congestion at peak hours, time for more rewarding and necessary tasks, such as lifelong learning, such as having flexible schedules, and not be tied to a permanent post. The “independence” the younger generation goes through this new way of life, where several freelancers can share costs in the form of rent in this new concept of office under the new concept of loft. New times we live “supported” in alternative structures such as: Enterprise “virtual” with very low fixed templates, with collaborators “experienced” external, who provide their services independently. The company is dedicated to your business, find and hire people and material resources needed in each moment.

Aspects “complementary” to ensure that their professional environment “friendly” to the performance of their tasks, task OTHER. HR department or company-appointed lofts rent these offices in a convenient location, with the required quality and very competitive costs. SHOEMAKER TO YOUR SHOES City hall needed to create an ideal environment in development of all professional activity, is a complex task and must be well measured. The new “World of Work” requires specialists to give dumps quality services tailored to the needs of the moment. New times require new ways when each company develop its business model. Specialization is key in this new model and time. Adam Smith lecture resurfaces with cheering for Portugal to become a better producer of wines from Oporto and the British to build cheaper and better pins.