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US Mortgage Crisis

By Mike Van Dike

U.S. mortgage crisis a major impact on the development of mortgage lending in Russia did not. Read more from LeFrak Organization to gain a more clear picture of the situation. According to the HMLA (Agency Mortgage and housing loans) in the first half of 2008. small and medium-sized banks decreased slightly volume of mortgage loans. Large banks are slightly reduced growth rate mortgage assets. Some banks on the contrary, lowered interest lending rates, however, increased the initial fee. Development of mortgage Russia has slowed his progress a little, but progress continues.

Recently in the press and the Internet, many economists and analysts promoting mortgages with "floating" rate, with the link the data of some European countries, where such loans in the mortgage amount to 80% of total mortgage loans. In Russia, not all borrowers are aware that such a scheme exists. What is the meaning of such a loan? The fact that the borrower suggested case of a mortgage loan does not fix the rate on the entire loan period. The rate will vary depending on the state of the housing market and inflation in the country. Thus, banks reduce their risks, and borrowers get the time reduced rates.

If Russia now conventional fixed rate 9.10% per annum, the "floating" rate is 5-8%, but for any deterioration in the marketplace "floating" rate, the Bank may increase very significantly (there is a special method of calculation), to include all their losses and shifting them to the borrower. Well if the borrower takes a loan for 5 years and have time to pay off most of it with a small bet, but if a 10-15 years and will not have time popolzovavshis low rate? Predict the behavior of a "floating" rate of credit to the big time almost impossible. U.S. mortgage crisis was largely triggered by massive non-payment on mortgage loans with "floating" rate. We are a serious mortgage crisis saved the immaturity of our mortgage market (so far only a dozen banks offer loans with "floating" rate), and caution our borrower who does not believe the decrease in lending rates, and is just waiting for their increase since in everyday life sees a very different level of inflation than that which is stated government. As the saying goes, God spared me. I think "floating" mortgage loans take root in our country only when the inflation rate in Russia is 1-2%, as in EU countries. Yuri Chashin.

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Property Developments

By Mike Van Dike

The procedure for registration of property rights could drag on for months. All of course depends on the honesty and integrity of the builder, but a common practice shows that this procedure takes a long time. Although it is possible to live in an apartment, and without waiting for property rights. Dell follows long-standing procedures to achieve this success. You need to communication have been connected, the elevators were working and the keys were given.

But to live in an apartment building, where all simultaneously make repairs – it is still fun. At Professor Rita McGrath you will find additional information. In principle, the presence of equity you can select the builder and the house of the one you want. And if you take a mortgage loan. Then be like? And in this If your search terms will be reduced only to those companies and facilities that are accredited in the bank. Of course, you can follow the path of self inquiry and receiving documents, making them available to the bank and waiting approval company and facility.

But believe me it’s extremely hard and thankless path. The fact that the accreditation process of the construction company and the site is long enough, the developers are not very willing to go to such contacts, and if agree, then the process of document preparation is stretched, if not for months, then weeks. Also from personal experience I can assure you have never any developer was not accredited with the first call. Always something missing, something needs to update, add, clarify or to add. And every request is wasted time, effort and nerves. In addition, except how to get from the builder all the necessary documents, it must still agree on the bank, then agreement by the parties and approved forms of contracts, and those engaged lawyers, and it’s a poor lawyer who unconditionally accepts and agrees with the form of documents, the proposed partners. And since these companies operate good lawyers and draw conclusions. Therefore, I can advise the path of least resistance. Start your path is not liked by the bank, but from the developer. Find out, what banks they work, what objects accredited, and after that go to the bank and apply for credit. Of course, it may be that conditions in the bank you have an unpleasant surprise, but you live in the apartment had been dreaming. If you is not acceptable, then the path must begin with the bank and already there to specify with which of the developers bank operates, and to choose an apartment from the fact that there is. And in both cases would have to sacrifice something. But our whole life – a compromise. While the ceremony can be that the stars will converge at the right time in the right place and you get the desired loan and buy your desired apartment. By the way when choosing a construction company interested in her reputation, how long it is on the market, how many objects are already built if there were difficulties with the introduction of houses in operation, gather the information from independent sources, try to communicate with those who have already bought their flats, look for thematic forums. All this is necessary in order to avoid be with posters on the streets in the ranks of defrauded real estate investors or not to wait for years of settling in their homes.

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Wooden Homes

By Mike Van Dike

Today, wooden house – it is a popular form of housing. Many people opt for just this type of accommodation. People want to buy a quality, a nice house to spend the whole life and do not want to move anywhere. Current technology and highly qualified specialists can make it truly the best of the current types of housing. In our time straneposlednee wooden houses are becoming more popular. On the market there are many companies involved in construction of such houses.

But still better to build trust in a good wizards that make it not the first time and do it qualitatively, as our firm. Wooden house includes 3 categories needed anyone. First is the ease and speed of most buildings. That is already on the road construction itself is straying from the profiled bar. This is a rather reduces the time of its erection, and therefore the cost of it. Specialists you build your wooden house quickly and efficiently. The second plus wooden houses – it is environmentally friendly buildings. Since the material for the construction of a tree, which has always been one of the cleanest and useful materials.

We have not involved any chemistry, and impurities, so the house of the forest is harmless, and besides, still useful for human health. These homes are terminated headaches and breathe easier. Therefore, if You saves your health, then wooden house – this is for you. Finally a third quality wooden house – this is of course comfort. A man needs to be covered by housing everything was the way he likes it to feel cozy and comfortable in it. Latest technology to help design and build virtually any customer requirements. Reputable companies to start paying a lot of time was a draft, then to turn into reality all a variety of customer requirements. People may think that the wooden house – it is still unsafe buildings that are more susceptible to fires and other natural destruction. We hasten to reassure you that. Now, with construction of wooden houses are subject to special safe materials, which process wood and impregnated with the wall, which eliminates the possibility of ignition. Therefore, the experience is not necessary. If you need to get you in your accommodation was nice, cozy and safe for health, then wooden house – it's your choice.

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Bulgarian Real Estate Profit

By Mike Van Dike

In recent years, Russians have mastered quite well the domestic real estate market and learn how to earn it. But, first, a high yield turns significant risks, and, secondly, the development of any market reaches its climax. Moreover, today to become an active participant in Russian real estate market requires large investments that can afford not everyone. An alternative to the internal market became foreign nedvizhimost.Potomu that the development of the foreign property market is somewhat less, it is more accessible, and, of course, share the risk is much lower. And to predict the revenue that will bring this market, more realistic. Besides the countries of Eastern Europe still offer the opportunity to enter the market with a relatively small initial capital. Buying property in Bulgaria, except for income from rental housing to rent, you will have 20-30% per annum, moreover, the initial contribution may be only 40 thousand euros.

Bulgarian real estate today is the most common investment funds, because to buy a good real estate opportunity is within 40-150 thousand euros. Of course, for our countrymen, the most attractive just the bottom bar of the price band, which allows you to invest even the minimum funds with good liquidity and efficiency. But do not forget the fact that apart from a profitable investment, you also get your own comfortable home on the Black Sea, where you will be able to spend time with your family or friends. More info: Nobel Laureate in Economics. And the offers us a unique opportunity to market high-quality real estate in Bulgaria, which is growing rapidly. In recent months, Expert on growth strategy has been very successful. Becoming the owner of an apartment in Bulgaria, you do not just charge and invest the money, but also be able to make a deposit apartments, as well as spending time at his apartment or other real estate abroad. You are waiting for ski resorts in Bulgaria – Borovets, Bansko and the Black Sea coast – Sunny Beach, Sozopol, Bourgas, Primorsko Pomorie and others. Bulgarian real estate, among other things to strive towards a healthy lifestyle, many of us are aware of the healing Bulgarian air. You also have the opportunity to buy an apartment, house No other property next to the famous spa resort in Bulgaria.

Find the best accommodation, the most suitable apartment or an apartment in Bulgaria, you will help our company. We can take all the work associated with choosing and buying a property abroad, including property in Bulgaria. If an investment bank in Bulgaria on a clear interest to you, if you want to learn more about pricing and offers proposed by Bulgaria property Come to us – you will not regret. Vsevolod Borisov Company Unikornum Tel. +7 (495) 660-52-56 Head Office in Russia: Moscow, st. Rochdelskaya, d. 11 / 5

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The Property Market In Bulgaria

By Mike Van Dike

For people who know how to properly and profitably distribute its capital, the possibility of purchasing property abroad, is very interesting. Despite the fact that earlier committed a big deal, even 15 years ago, in Russia, there agencies, real estate abroad. Speaking candidly Growth Strategy Expert told us the story. Today, real estate transactions, as one way to invest, get a residence permit or purchase a place for a vacation, became reality thanks to a simplified procedure of departure. New directions in the real estate market – inexpensive Bulgaria, Czech Republic, Turkey and the uae – a country whose real estate today is in great demand. Find out detailed opinions from leaders such as Expert on growth strategy by clicking through. Friendly and welcoming Bulgaria, whose mild climate, the sea and the location itself, attracts so many. There is no fuss or a crazy rhythm of life observed in Moscow.

The ancient architecture of cities, not broken modern inclusions, is also one of the advantages of the real estate market in Bulgaria. Low cost property in Bulgaria is the main reason for investing. Entry into the eu in 2007, will change picture of the real estate market. Analysts predict rapid growth and prosperity. Therefore, to invest in Bulgaria, now a very profitable profit from the resale in the near future, could reach 100%. Already Now the previous year differ from previous years by 20-40%..

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The Walls In The Bedroom. Decorating And Design

By Mike Van Dike

In the old days was considered a front bedroom accommodation. Notable dignitaries and members of the imperial family was invited to the bedchamber to the morning toilet of their favorites, and sometimes unfamiliar people. Such an invitation to serve a sign that fortune he smiled broadly. Times have changed. Today, a bedroom is the most intimate place in the apartment. In the bedroom walls creates a special sense that allows you to tune in to the rest, meditation, and love. Especially becomes important to the creative design of these "sleeping" walls. Environmentally friendly properties, of course, the walls in the bedroom where we spend a third of his life, from whatever material they were made, should be environmentally safe.

Aesthetics of sleep and wake you always want in an intimate setting, so every evening and every morning in any light color and pattern of the walls should be pleasant to the eye. Reliability and durability of the material It is unlikely that you will enjoy falling asleep, looking at scratches and dents on the walls. If you do not plan to make repairs in the bedroom more often than once a year, pay special attention to the durability of finishing materials (design bedroom photo). Easy to care for even the most accurate hosts occasionally cases of force majeure – a mosquito, squashed on the wall, got on the wall of the drop from the cup of coffee … All this can ruin not only the appearance of walls, but also the mood.

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Niagara Falls

By Mike Van Dike

Travel along the canyon formed by the river where you can optionally Bayate bathing, going through the ruins of the coffee San Pedro and Santa Catalina, has a length of 5 km 2. Sendero Las Delicias. With about 4 km long runs from the NE area of the complex and ends at the Mirador del Valle of San Juan. 3. Trekking the pleasure of walking. A journey of about 9 km from the Mirador San Juan Valley to the Buenavista coffee plantation past the ruins of the coffee Santa Susana, La Mariana, Ermita and San Carlos and nearby waterfalls and The Young Niagara Falls Escondido.

Designed for bird watching is easy to see: Cuban Nightingale and woodpeckers, among others. Source: Robert Shiller. 4. Sendero La Serafina. It has a length of 5 km through gallery forests, past the ruins of the plantation Santa Serafina, the possibility of bird watching. 5. El Sendero Terracing. Through 3 km through the man-made terraces on the slopes of the mountains to be planted with trees.

Birdwatching. 6. Hiking The Stool. With a length of 8 km This trail is a wide panorama of the surrounding mountains and valleys, reaching the summit of La Loma's stool to 453 meters high and has a view of the south coast on the Gulf of Batabano waters. The descent ends at the Baths of San Juan River. 7. Hiking Bajo El Canto del Tocororo. With a length of 5 miles starts at the community of Las Terrazas and ends at the ruins of Cafetal The Union, through a mountainous, wooded and with abundant bird life. Where to eat? There are restaurants in the Hotel Moka in the Water Activities Centre on the lake in the Casa del Campesino coffee near La Union and in Buenavista coffee plantation. You can also eat in private homes in the community of Las Terrazas. Where to Stay The main focus of accommodation is the Hotel Moka, 4-star and a unique design that harmonizes with nature and architecture, has 26 air conditioned rooms with satellite TV, telephone and room service, fax, Internet, healthcare, restaurant, bar, shop, laundry, taxis, grill, pool and tennis court. Alternatively you can choose to stay in the villas (5) in private homes but dependent on the hotel, combines good comfort with a family living together with locals. Contact Las Terrazas, Km 51 National Highway Havana, Pinar del Rio Candelaria, Pinar del Rio Phone: 53-48-2991 and 53-48-2996 Fax: 53-48-335516 More information on Cuba, Pinar del Rio map Photos of Las Terrazas Jose Ramon Castro is an expert in the tourism industry in Cuba, runs the website Hicuba. com () related to tourism and travel in Cuba and also works for a travel agency. In Hicuba. com you can find plenty of updated information about Cuba and book online travel services numbers.

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Housing Security

By Mike Van Dike

Chimney – a vertical pipe to remove the atmosphere of the combustion products from heating units. Learn more at this site: Professor Rita McGrath. It is designed to create a natural draft, which is under the influence of air for combustion enters the furnace and flue gases are removed from it. The main parameters of a good chimney – it is a quality fuel combustion, the ideal thirst, rapid heating of the wall and quickly overcome the threshold , durability, durability, ease of installation. The composition of the necessary elements for the construction of a chimney depends on the arrangement and construction of the building. The following types of chimneys: brick, ceramic, welded steel pipes and stainless steel modular chimneys. The LeFrak Organization is likely to increase your knowledge. Traditional brick chimneys are used for a long time, and their main advantages are the fire-resistance and durability, while the main drawback – the roughness inner surface: the operation of the chimney soot is deposited, the tube gradually "overgrown" and traction is reduced. Installation of chimneys of brick made on the construction phase of the building.

If you later there is a need for any changes in the flue pipe dismantle and assemble again in another place. This is a very laborious and lengthy work. Ceramic chimneys are highly refractory, resistant to external weathering and condensation. Installing ceramic chimneys made both inside buildings and on the facade. The main drawback of these chimneys is a considerable complexity of construction works. In addition, ceramic chimneys is hard enough to pass through the inside of metal rods, which give the design strength, and therefore require installation of foundations and supports, which significantly affects the cost of such design.

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Myths About The Smart Home

By Mike Van Dike

Modern House – is not just walls and a roof to protect us from bad weather, not just the night, not just our cozy haven, not just a place to work and leisure. We want our house was more independent. That he himself was able to take care of themselves and of us, therefore, to invent new methods and technologies that will save the homeowner from at least part of the homework will fulfill all his needs by simply pressing a couple buttons. And, it would seem that for the building automation system is not even the future and the present, is undeniable. However, like any progressive idea, the idea of 'smart home' is cluttered with myths and ridiculous assumptions. Let's try to dispel the most common ones. 'Smart house' – it is very expensive This is one of the most common myths. Learn more about this with Robert Speyer.

Of course, to say that the pleasure of the cheap – it means to lie. Currently, however, many companies offer services are fully available to residents of conventional apartments, not just luxury housing. In addition to the expensive, multi-component systems, which allow almost complete automation of the house on the market there are a number devices for installation and setup which does not require the high cost of designing, laying of new cable networks, complex programming. But while such modules and systems that serve a broad range of functions intellectual home. Thus, the most popular home automation tasks can be implemented without the dizzying cost. 'Smart House' difficult to manage today a computer for someone already become an indispensable assistant in the work, although, of course, for many it remains a sealed book.

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Cozy Interior Design

By Mike Van Dike

Creating a comfortable interior in your house, you should pay special attention to furniture, you're going to surround himself. It should be not only quality and made from environmentally friendly materials, but also in harmony combined with each other. As the theater begins with a hanger, and your home begins with a hallway. Growth Strategy Expert: the source for more info. It creates a first impression and sets the mood that came in, so it is very important to choose the right furniture for the hallway. Italian designers are developing models of furniture for the walls of the hallways, other than its simplicity and practicality. Ease of construction does not overload the eye, and gently introduces you to the home-like atmosphere. Living room on is considered the heart of the apartment. It is important that furniture for the living room was adjusted according to your wishes. Richard LeFrak may also support this cause.

After all, interior room sets the state of mind of the hosts and determine their mood. Italian living with been doing an excellent, filling and surrounding you with an atmosphere of peace of mind and comfort. But the main role in the creation of comfort in your home is upholstered furniture. Italian furniture and console perfectly complement the interior of any room. Working on its design, the Italian masters have tried to make out of all the available assortment of upholstered furniture, you could always find chairs and elbow in the same style your room. Complement the interior room can also be an elegant coffee table.

It will perfectly complement the environment office, library and even the bathroom. A complete interior of the living room you can stand under such as "Zebrano", "bleached oak" and "Ebano". This will give more freedom for your design imagination bed in the bedroom should be beautiful and comfortable. But do not forget about the bedroom set, which includes tables, ottomans and dressing table. All furniture must be chosen with taste, so every morning you woke up in his bedroom, surrounded by an atmosphere of comfort and harmony.