Browsed by
Tag: financial

Insuring a Car

Insuring a Car

Casco insurance – a complex, exciting and time-consuming process for the insured. You always want to find an optimal product, pay less and get complete protection against all risks. But a large number of insurance companies and their offers is not alone. "What is to stop? "- An issue that insurer asks himself every time a purchase agreement Casco. It's no secret that among a lot of insurance companies selling organizations are: insurance companies, insurance brokers, insurance shops, Internet portals (the insurance agency). These organizations, as well as insurance agents, are the official distribution network insurance products.

But many people are in the old office, not realizing that overpaid. They are driven by fear, they are afraid of fraud, loss of money, that the agent disappears from the hard-earned. It's a pity, because insurance agencies have to offer you a wide range of services, which the insurance company, you can not get, do everything for you and give you a discount. Check these organizations is simple. Each of them has a license agreement with any insurance company, the curator – an official employee of the insurance, who will answer you all questions about this or any other agency.

Enough to prepare for a bit before you enter into a contract. You just need to call your insurance, such as Ingosstrakh, and learn all about this insurance agency. But back to the service. Turning to the insurance agency, you will receive: 1. Calculating the cost of the policy of 10-20 insurers (Form Calculator Casco) 2. Discount on the official value of the contract 3. Comparison of the terms and conditions of the various companies 4. Any information on each insurance company 5. Free travel specialist in your own time and place and all this for the money insurance company. She pays insurance agency commission on each contract. A portion of an insurance agency pays you the money in the form of discounts. I hope, dear reader, that this article, I urged you to insure the car through insurance agencies. But keep in mind that any expert – a person motivated and blindly relying on his opinion, and advertising is not worth it. For us, it only saves time and money. After receiving the information and calculations better ask around for reviews of a company from acquaintances and friends. Good luck to you to choose!

Tsentrany Real Estate Market

Tsentrany Real Estate Market

Tsentrany real estate market in Central Europe recently has become a lucrative investment. funds investing in real estate and related fields of real estate. This is due to the fact that the main factor in successful investment is to invest in various types of securities, in addition, a key industry of investment models is the sphere of real estate. Experienced investors are finding alternative areas investments, such as real estate investment vehicles in which to work productively, than investing in stocks and bonds. That is, if an investor wants to have a portfolio of securities, it is advantageous invested in various types of capital, the need to invest in real estate in all emerging markets, then even small investment will bring significant results. One of the axioms of investing activity is the assertion that it is necessary to think globally and act locally in. The scope of real estate is largely local, a local business. It depends on the situation in the domestic market from the ratio of supply and demand for real estate. A keen interest in attracting investors to own real estate market promising in developing countries. One of the most promising emerging property markets is Central Europe, in which the volume of investment reached record levels and is, in some cases 8%. This fact has attracted investment not only to regional investors, and new skills that likely will contribute to further increase investment. .

Classic Car Loan Application

Classic Car Loan Application

Application for a classic car loan will be considered by the bank from half a day up to 2 working days and will require from the client, among other things also documents confirming his income. Typically, this letter from the employer on the salary for the last 6 months. Customers are checked more carefully, loan processing takes place in the bank. But the cost of the "classics" is much lower – from 9% per annum currency and by 11% – in rubles. Finally, the state program of preferential credits – it's the same classic car loan, part of the interest burden that takes the state budget. Terms of consideration for this program are the same as in "classic", but there are a number of restrictions. For example, the client must pay as a down payment of at least 15% of the value of the purchased loan in the car.

In addition, this loan program purchase only new vehicles produced in Russia. But such a loan is the cheapest – from 8% per annum in rubles! – You said that the terms of the loan depends on the available documents. The more you want documents loan, the lower the interest rate and down payment, right? – Yes, you're right. For example, if you stop in the state program of preferential car loan, while giving income statement on Form 2NDFL interest rate of 8%. Providing help in the free form, you will be credited at 11% per annum. Or agree to 15% per annum without any reference.

The Contract

The Contract

Therefore, you first need to find a lender, how much and what to pay. Of hidden fees are not insured by anyone, and most importantly – the borrower knows about them, as a rule, When making your first payment. To avoid such "pleasant" surprises, we should carefully read the contract, especially what is written in small print and do not be afraid of "torturing" a bank employee … This is for your own good! Financial pitfalls, which should be ready for the borrower: – almost all banks charge one-time fee for opening a loan account or charge for settlement and cash services – from 3 to 5 percent of the amount – monthly Commission for maintaining accounts – from 0,3 to 1 percent (by the way, this "service" do not provide all the banks!) – penalty for early repayment of the loan – from 2 to 5 percent of the debt (in recent years it has become fashionable to set time, such as seven months, during which the borrower can not pay more than normal on the loan amount). And that's just the money that would have to "lay out" the bank! There is something else …

Be prepared! Car loans, although it seems simple, in fact actually keeps many secrets, which are opened at registration. In addition to all of the above bank "surprises" waiting for mass avtozaemschika unpleasant moments, which also require some financial costs. Speech comes to car insurance against theft and damage – "CASCO", which a majority of creditors is declared as one of the prerequisites for auto loan, even though by law the procedure is voluntary.

The Central Bank Buys Currencies

The Central Bank Buys Currencies

Strengthening of the ruble, which pottolknuli raising the price of oil, as well as the need for rubles to pay the taxes do not like the Central Bank. Everyone has long known that the exchange rate is strongly dependent on oil prices. Oil prices predictable, they can fly vrezultate military conflict between Israel and Palestine, can fall because speculators have decided to get rid of oil futures. Back in the fall by representatives of the Central Bank announced that the ruble is not will exceed 32 rubles to the currency basket in the spring, we are now seeing 39 – 41. It turns out that all the officials were wrong, weak central bank analysts. As officially announced the first deputy chairman Central Bank AG Ulyukayev, the Central Bank bought in March in the domestic market of about $ 10 billion. That is, the Central Bank deliberately buying the currency against the ruble.

Heating season came to an end respectively, the demand for oil should be reduced, as confirmed by the annual decline in oil demand in the spring. In February, the people carried money in banks for deposits in rubles, to believe that the ruble to fluctuate in a corridor of up to 41 rubles to the basket. It turns out again accumulated ruble money in banks. The Central Bank is the fourth trading day in a row entering the market with the purchase of currency, flattening trend in the strengthening of the ruble. Course dollar against the ruble this morning in the morning on the Moscow Interbank Currency Exchange reached 33.65 rubles, which is approximately 25 cents above Tuesday's closing levels at 35 cents above the current official rate. Note that the ruble against the dollar ureplyaetsya approximately 9 -10 cents a day, which shows on the downtrend appears to technical analysis, plus all the hidden fundamentals suggest the same thing, and if in the near time does not happen collapse of the ruble, it will be done artificially, but artificially maintain the ruble can only central bank, but as we see it is not its policy.