Why It Is Important To Attend ACT Classes Palm Beach County

By Melissa Moore


ACT(American College Testing) preparation introduces them to the Math, Science, English, Essay and Reading sections and the amount of time they have for each section. During the session the student complete practice tests and sections to become familiar with the types and phrasing of these questions, so there are not any surprises during the actual test. ACT prep teaches students proven strategies that help them improve their standardized test understanding and performance. The strategies of the test include: Working backward on multiple choice math problems to determine the correct choice if they do not know. It also includes using the process of elimination to remove answers they know are incorrect, improving odds of choosing the correct answer. The article outlines why you should attend ACT classes Palm Beach County.

A competitive platform among the candidates is created. Scoring highly in the examination does not guarantee you the best university. However, it is important to achieve the best as you are assured that you will not be left out when it comes to the selection and you will secure the best courses available. Therefore through such regular tests, you can stay on track and familiar on numerous questions and how to tackle them.

As initially stated, these classes facilitate preparation for students. To be successful, students must be ready for any kinds of questions, however, set. They should be able to tackle tests as the come getting no surprises. Therefore if you want to be admitted to that college, ensure you do a lot of practice, take more tests, and improve your score day by day, and you should qualify for the institution at the end of the day.

It merges varying curriculums adopted by different schools. Every learning institution uses or follows different curriculums when it comes to teaching and also testing methods. However, ACT preps are kind of a neutral one that follows the one that is used to come up with the final examination meaning that the students can get familiar with all areas hence fully prepared.

It will assist in the familiarization with tests- Taking one or more practice ACT under actual test conditions helps students gain familiarity with the test and can help improve their scores. Focusing on areas they may struggle with and using proven test-taking techniques can raise scores and those higher scores give students better odds of acceptance in schools they may have thought were out of their reach.

Spending too much time on preparation is not the way to go. Currently, perfect scores only will not ensure you get that chance in university. Admission personnel seeks all-round students, ones who are both good in books and good at other things like sports, essays, extracurricular activities. The ACT classes will help you improve performance and also work on other aspects.

ACT marks usually give the first impression as most people in the selection board view your marks first due to the reason that they handle several students. Therefore it sometimes becomes close to impossible to read all the essays and go through all the transcripts of the students hence the ACT marks proving essential in such a moment.

Every business wants to have a competitive advantage over therefore for an employer to employ you; he must look at how competitive your scores are, and he will either use SAT or ACT scores to evaluate your performance. There may not be a relationship between test scores and performance at work, but that is what companies use to determine how good you are.




About the Author:

To join the next act classes Palm Beach County students should refer to the recommended website. You can find out lots of useful information about our college from this web page http://www.collegecounselingconsultants.com/Services.html.


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Phone: (212) 390-0100

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Phone: (305) 931-2200 / 1-800-686-9921

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Services  
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Solution
online mortgage classes
home loan online
online mortgage preapproval
online loan application home equity loan
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Type  Private
Industry Mortgage lending
Founded 1985; 31 years ago (as Rock Financial)
Founder Dan Gilbert l Ron Berman l
Lindsay Gross
Gary Gilbert

Headquarters One Campus Martius (formerly Compuware Building), Detroit, Michigan, U.S.
Products 15- and 30-Year Fixed-Rate Mortgages
FHA Loans
VA Loans
ARM Loans
Jumbo Loans
Number of employees 13,000 nationally[1

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Services
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Type Subsidiary
Industry Insurance
Founded 1936; 80 years ago

Fort Worth, Texas, U.S.
Founders Leo Goodwin, Sr.
Lillian Goodwin
Headquarters Chevy Chase, Maryland, U.S.
Key people Tony Nicely,
Chairman, President & CEO,
Treasurer
Products Auto insurance
Revenue US$9.212 billion (2004)[1]
Number of employees 30,000[2]
Parent Berkshire Hathaway


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Founded 2010
Founder Adam Neuman
Headquarters New York City, New York, USA

Key people Adam Neumann ( Founder and CEO )
Products workspace for startups, small businesses, freelancers and entrepreneurs
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S&P 500 Component
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Founded March 24, 1868; 148 years ago
Headquarters 1095 Avenue of the Americas
New York City, New York, U.S.
Key people Steven A. Kandarian
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Products Insurance, Annuities, Employee Benefits
Revenue Increase US$52.717 billion (2010)[1]:F-3
Operating income Increase US$6.6 billion (2014)[2]
Increase US$3.958 billion (2010)[1]:F-3
Net income Increase US$2.786 billion (2010)[1]:F-3
Total assets Increase US$730.906 billion (2010)[1]:F-2
US$539.314 billion (2009)[1]:F-3[3]
Total equity Increase US$48.996 billion (2010)[1]:F-2
Number of employees 66,000 (2010)[1]:26
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Hire A Private Tutor For The Sat Classes Palm Beach County

By Kathleen Reed


The Scholastic Assessment Tests (SAT) are standardized tests that are set for students who want to have admissions to various institutions. It helps to test the student writing and literacy skills which are necessary for their academic success. It will test the potential of the student in various areas of study. That is why if you have a child that is preparing for admission. It is critical that you get a tutor to help in the sat classes Palm Beach County. The tutor will be efficient to your child in a variety of ways.

They embrace the accountability of guiding and teaching your child. They closely monitor the tracks and progress of the student making sure that they remain focused. This is process not a one-day affair, and thus it needs persistence and continued preparation. These tutors know the student ability and thus will engage them in a level the student can comprehend.

Tutors ensure that students remain focused. Preparing for the aptitudes and assessments requires a lot of dedication. That means keeping aside all forms of distracters as a way of paying optimal attention to learn and get all that is required. The format and also content of these questions in most instances is specific, and the tutors will guide you on ways to keep focused on such questions. The scheduled plan will help you ensure that you cover all the available areas of work.

They can assess the progress of your student. In the course of that training, they shall provide a similar test to all the students that are similar to the real one. After the test, they also will mark the test exactly the way the examiner will have marked the test. Later they will provide your kid with the results if your kid performs well in the test they shall also perform well in the real test.

It amplifies the confidence of such a student. It is well known that most students fails exams not because they do not know the answers but because they fear to do such exams. The tutor will help you overcome the phobia for the exam and prepare you adequately for that day. With them around, your child might find know the strategies of approaching various questions without fear.

It improves the efficiency of students. There are ways you can approach certain challenges with ease and without the fear of failing. An experienced teacher understands the major causes of failure in such areas. Hence, they will come in handy when it comes to assisting you to get the best solution and strategy to approach the questions.

They improve the enjoyability of those sessions. It does not have to be that serious. Tutors have a way of making the classes fun and enjoyable. They will make it look like something you should look forward to having and hence becoming an easy task for you. This is one of these strategies they will use to reduce stress and phobia.

Hiring a private tutor is thus beneficial in ensuring that your writing speed, accuracy, and confidence are on point gearing you towards making it in your tests and academic life. These tutors amplify your chances of scoring a lot in the exam than revising personally for them.




About the Author:

We would like to share with you the easiest way you can join the next sat classes Palm Beach County area. Take the time to browse the website that appears here on http://www.collegecounselingconsultants.com/Services.html.


How to choose the insurer that the insurance market is at risk

It is known that in 2015 in our country has begun routine "cleaning" the insurance market, which has led to the loss of the 70th insurers (17% of insurance companies) licenses. But stop in thinning "population insurers" The Bank of Russia does not intend to: according to experts, before the end of the year remaining on the market of insurance companies to 40% can lose the license. More precisely, of the 334 licensed as of January 1, 2016 135 companies are in the risk zone.

The main reason for revocation of licenses of insurance - the poor quality of assets. There is an overestimation of the real estate and other illiquid assets, showed a lot of assets was a sham. Not to mention the not dried up the flow of complaints from citizens, which raises the question about the quality of customer service.

The objective reality is that the next year should be expected to reduce insurers up to two hundred.

At the same time serious complaints the regulator there is a large system of insurance companies.

Withdrawal of license: Theory and Practice

Theoretically, a review of the license makes it impossible to conclude contracts, but is not a reason for the complete termination of the obligations of the insurance company to its customers. Moreover, the insurer under the law is given six months is for execution of earlier commitments.

But the practice is what it says: usually the time of withdrawal of the license of no fulfillment of the obligations it does not go as money for the insurer simply do not have accounts. Do not correct the situation and appeal to the court: an official bankruptcy proceedings the plaintiff brings the winner only a tiny fraction of the required amount (usually - of a percent).

The same fate awaits those who remain in the hands of the cumulative investment policy of life insurance: the accumulated return of the bank on the deposit amount according to the law, he can not, but can only take their place in the queue of creditors. A prime location just at the policy holders of compulsory insurance. Thus, the victims of the bankrupt company clients in CTP eligible for compensation from the PCA.

Something about the insurer's selection criteria

Needless to say, to choose the insurance company today is not easy. And no single recipe right there is no choice. But the idea is - though contradictory.

For example, in very different ways you can interpret indicators such as the ratio of fees and disbursements: a large gap can be regarded as evidence of underpayments and insurers - and a responsible attitude to business, taking into account the need to build reserves. Experts, however, are inclined to believe that a small gap between fees and payments always indicates the poor condition of the insurer Affairs.

More can be considered indicative of the size of the authorized capital (preferably more than 1 billion. Rub.), As well as the presence in the largest and most famous of shareholders, which is not likely to withdraw for a few weeks, all of the assets, leaving insurers with nothing.



Enough reliable indicator - ranking national and international rating agencies (NRA, "Expert RA�, Moody's, Standard & Poor's). Finally, the problem of insurers you can always learn from disgruntled customers on relevant forums.

Stricter requirements for insurers - for the benefit of policyholders

With this hard to argue: Purified insurance market will become more friendly to the customers. But while the situation is even worse than the bankers - because you can not rely even today on the five market leaders.

Because insurers must keep your finger on the pulse of events and react already at the first manifestations of instability - for example, in mass communications about insurance payments delayed. These are the realities of the day.

4 Benefits Of Web Design New York Internships

By Arthur Williams


If you want to become truly good at something, you have to learn. For proof of this, all you have to do is look at the various men and women that have made careers out of web design. It's safe to assume, though, that they have taken part in web design New York internships beforehand. You should be thinking about taking up this opportunity as well. Here are 4 of the biggest reasons why you should do exactly that.

One of the reasons why web design New York companies support these internships has to do with the knowledge they can provide. For many people, hands-on experience is the best way to learn about anything, including the development of websites. As you become more comfortable in your role, bigger and more meaningful projects will be passed along to you. What will happen, as a result of this, is that you'll become more knowledgeable.

What about the connections that one can make during their time as an intern? Making friends is almost a given for any internship, but what about the long-term worth of these connections? It's entirely possible tha they can help you seek opportunities and find work, whereas they wouldn't be as easy to come across otherwise. This is perhaps one of the best incentives that your local fishbat Internet marketing company can draw attention to.

An internship position looks great on a resume, as companies the likes of Avatar New York can attest. Many people forget that internships count as work experience, which means that they are perfectly suited for resumes, regardless of how small they might appear. What this means is that employers are more likely to focus on your accolades than those of others. If you put in the work, your time as an intern will be more than resume-worthy.

What about the possible portfolio that you'll come away with once your internship is completed? Everything from general layouts to graphics that you have designed can be included in said portfolio, meaning that there will be quite a bit of variety. This will do wonders for you when searching for jobs. If you want to make it in web design, regardless of the job you're pursuing, a well-constructed portfolio makes all the difference.




About the Author:

For further details regarding what web design New York agencies can offer, visit Avatar New York today.


Employment Insurance company: promising and profitable

To date, there are about 250 insurance companies in Ukraine, and many experts believe the insurance business one of the most promising and fastest growing. In this industry, you can quickly make a career.

It is very important that many companies are actively recruiting young people with no or minimal experience, because the staff is just not enough. So if you are a young professional, then you have every chance to get a job in an insurance company.

Insurance is a separate branch, which has its own characteristics, which you need to know. In general, insurance is: "Creation of funds that are paid in case of adverse events."

Sometimes different directions:

risk insurance
property insurance
liability Insurance
In Ukraine, the insurance business with began to actively develop only after independence, but rather at the end of the 90s. Now the insurance business in Ukraine is developing very rapidly, which could be described as "boom". Work with an insurance company becomes more and more popular.


There are new companies, there is an active inflow of investment from abroad, foreign companies come. Common steel mergers and acquisitions among players in the market, and all of this means a lot of money.

If something of this you have, then you can become a good insurance professional and having worked a year and a half of the initial positions and then go to the "big bosses", as companies grow and managers recruited from yesterday's young insurers.

In addition to the necessary professional skills (the ability to understand the relevant services and conditions of insurance) agent, as representatives of the business, must necessarily be outgoing personality and stress.

But that's not all. Success in this business largely depends on the ability to "calculate" the potential client. Experienced agents know: to offer their services to all in a row can not be. Instead of the conclusion of the transaction and making profits you can get a good share of negative emotions. Insurance agent - a kind of psychologist. Its main task - to accurately identify customer needs and provide the best solutions to problems.

Who can work in an insurance company?
The most popular are:

Insurance agent
Insurance specialist
Insurer
Leaders agents network
Consultants
Top Management
Most of these positions can be summarized in insurance manager. Or rather, a person who enters into the insurance transaction. Given actively growing market now felt an acute shortage of insurance professionals.

Of course, the work of an insurance company has its own characteristics. Firstly, you need to understand the intricacies of insurance. This is a fairly complex area and space for learning a lot. Secondly, in most cases the work of a specialist insurance implies active work with people, and so you need to be a bit of a psychologist and be prepared for a lot of communication. And third, most likely you will want to sell insurance, which requires sales skills, tenacity and vigor.

Let me teach
Due to staff shortage, many large insurance companies have opened their schools for training insurance agents. What is attractive, training is free of charge. In this case the company that organized the courses do not impose any obligation on the audience. That is to be trained, and it is useful for a career in related fields, absolutely free of charge.

Education in the school takes no more than a week. On average - three to five days, 4-5 hours a day. Teach in the first place, to understand the insurance, "to understand the product." Obligatory point of the program is to examine the regulatory framework governing insurance activities, as well as the basics of document. And teach properly execute contracts, to work competently with clients and so on.

Sign in to share
Earnings of the insurance agent, mainly consists of commissions from the sale of insurance products. The amount of remuneration depends on the type of insurance varies from 10% to 25% of the contract sum. For example, the average price of CASCO insurance policy for the car worth $ 20,000, is $ 1,500. That is, the agent who sold this type of insurance, will receive a minimum of $ 150.

In life insurance, the commission also depends on the duration of the contract and can reach 30-50%. This is despite the fact that life insurance is one of the most expensive products. But to sell such insurance is much more complicated than the policies of popular types of life insurance.

In some companies, there are so-called system of financing agent. This means that, subject to the sales plan insurance agent in addition to the commissions received also a flat rate - usually from $ 100 to $ 300. As an additional incentive and operate a variety of bonus programs, the promotion of sales agents, leaders and so on.

But in the first month of the novice may not be able to sell a single product. But free schedule of work of an insurance agent is quite allows him not to leave the main place of work and income from agency activities regarded as optional.

The activity of an insurance agent can be a temporary part-time job and start a career in the insurance business. Options for development can be several. Career growth depends on personal ambitions and abilities. An insurance agent can count on a place in the company. And can apply for a managerial position at achievement of certain criteria. For example, an insurance agent can count on a place in the sales department (as opposed to agents, state "salespeople" generally work with corporate clients and conduct transactions in larger amounts).

According to the insurers, the position of the agent - is the ideal starting step for a career in the financial sector. Firstly, because the large companies, especially foreign capital, like "grow" their own pictures. Second, the experience "in the field" will help future managers to better understand the market needs and to feel the situation. However, to get to the office staff, a specialist will have a minimum of six months effective work freelance.

By the way, not necessarily pursue a career all in the same company. A good specialist will be happy not only to any insurance company, but also in the banks. After all, there also have departments whose work is connected with insurance.

Insurance details

The insurance business has evolved in the early 90s. Then the insurance company staff were universal: to enter into contracts, estimated the value of the objects and the risks involved in payments. Today in this area there is a clear division of labor.

In general, employees any insurance company can be divided into two major groups: the front office (those who have direct contact with clients) and the back office. The first group - are employees selling units and experts on the settlement of damages. What do the first - is understandable, but the latter is already working with customers after the insured event occurred. For back-office includes representatives of both the universal professions (secretaries, members of IT-services, accountants, and so on.), And insurance (underwriters, experts in actuarial calculations). On the wagons in the article will not talk, it will be only for those whose profession is an integral part of the insurance business.

Sellers in the State and outside the State
The first step that begins the career ladder many successful professionals in insurance, - a position of an insurance agent. This employee self-seeking clients and sells insurance policies for different types of insurance. agent's task is complex and simple at the same time - to sell insurance to me, your neighbor, that is individual. The hardest thing at first is where and how to find a client. After all, no one will call you and say: "Insure me, please!" Therefore, most beginners first insurance agents sell through relatives, friends and acquaintances. And just in time the agent (or Sales Manager) formed its own client portfolio.


Agents are not employees of the company. Nevertheless, the developed network of agents - is something on which to build a business of any insurance company. Income derived by a manager, the entire sum of the percent of sales policies. Many in the profession of insurance agent draws a flexible schedule, and the fact that sales can be engaged on the job training and substantive work. But there is a flip side: lack of stable income (how much you sell - you get so much). According to the observations of recruiters, agents earnings by the end of the first year is US $ 800-1000. After two or three years, accumulating an extensive customer base, a specialist can count already 2000-3000 USD. Per month or more. Although there are people who believe this craft exclusively extra earnings, thereby to obtain no more than 300-500 USD. Per month. But those who take up the matter seriously and achieves some success, soon become full-time employees of the company and have themselves trained sales agents.

The main groups of professionals working in the state of the average insurance company, are different levels of sellers, underwriters, methodology (product managers), activists, experts on the settlement of losses, the evaluators (not represented in all companies). Tell us more about each of these professions.

The driving force of any business - sellers. The insurance firms they employ other workers. No sales - there is no field to assess the insurance risk, nothing to reinsure and deal with the settlement of losses, too, is not necessary. Sales specialists typically work with corporate clients, at least - with individuals (usually retail - a field agent activity). Established sellers unlike freelancers have a fixed salary ($ 1,000 and above.), All the rest - the interest of the concluded contracts. Experienced workers income is several times the amount of salary. Naturally, people who work in the field of sales, should be active and sociable, that is not a requirement for back-office staff.

Underwriter (in translation from English - the signature under risk) - one of the key professions in insurance. The specialist takes over the obligations under any type of insurance contracts, guaranteeing financial compensation. It forms a portfolio (risk selection produces), generates conditions of insurance, defines and justifies the size of their own retention and tariff policy, selects the reinsurance protection, which allows to transfer the risk of the maximum for the minimum money. On average, each underwriter receives several billion dollars a year liability.

Formal attitude to risk assessment can result in the most adverse effects. After all, insurance is in any other industry, a minor error or omission may lead to the collapse of the company. Therefore it is important that in this area working professionals. It is estimated to grow good underwriter, the company takes three to four years.

The average salary of an underwriter in a large company - 1500-2000 dollars.

The main product
The main purpose of any insurance company - quality customer service, which is possible only in the interaction of all divisions. To attract customers, the seller needed products and prices that the market will be most advantageous to be different from others.

Creating new products - the patrimony of product managers. After analyzing customer needs and capabilities of the company, they are preparing proposals for new products and their promotion. And their tools serves the entire company. For example, the development of tariffs on insurance trends is impossible without mutual cooperation, product managers and underwriters. In promoting a product manager on the market to help professionals in the field of advertising and public relations, in the preparation of special training for the sellers - Service HR. Product Manager is the initiator of all these processes from the inception of the idea to the product to market. He keeps abreast of sales, tracking how the new venture is profitable for the company.

these employees salary varies from 1,000 to 2,000 dollars.

continuous losses
Thus, the sale is perfect, the risks assessed. If during the term of the policy or contract an insured event occurs, the specialists on the scene to settle the losses (in some companies, referred to as the experts). The accident crushed the car, the neighbors poured on top of the insured apartment - with these and other problems sorted out just the experts. They will inspect the damaged property, amount to an act that the insured event did take place, help the client to draw up the documents required for payment.

In some large insurance companies feature the work of experts on the settlement of damages is the versatility: they are not only working at the scene, are assessing the damage involved in the reception and analysis of documents, but also participate in the examination taken at the insurance objects, the development of new programs, tariff adjustments, etc. .

Insured event - for any company a kind of aptitude test. On how skillfully and quickly it will be settled, depending whether the customer will turn to this organization in the next time, or prefer another firm. Well, most staff involved in such an important issue, in addition to excellent knowledge of the business, you must have nerves of steel and a truly angelic patience. Otherwise, try to explain to the person who drove the car an hour ago, what papers he needs to collect to get paid.

Depending on the level of payment labor specialist for the settlement of losses ranges from 900 to 1500 dollars.

"Actuarial" question
Another insurance profession - a specialist actuary or actuarial.

Actuarial calculations - calculations of tariffs for any type of insurance methods of mathematical statistics. Using them is determined by the share of each insurer in the creation of an insurance fund, which is a kind of reserve, from which customers pay compensation. By and large, this work is focused on the future of the insurance company. Specialty actuary originated in the XVIII century in connection with the development of insurance business.

Now, about the salary. Actuarial least in the labor market of 1000-1500 USD. It is also worth noting that the activities of almost all the experts, except for actuaries, also divided by type of insurance.

Professional requirements for employees of insurance companies, are standard. However, with the arrival of foreign insurers in the market, more and more increasing demand for qualified specialists who speak English. But they in our country, unfortunately, is not enough.

Insurance agent: Duties

It analyzes the structure of the regional contingent of potential customers, serving individuals and entities representing the institutions, organizations and enterprises of different ownership forms. Conducts reasoned conversation with potential and regular customers to get them interested in the conclusion or renewal of contracts of insurance (life and health, movable and immovable property, business and commercial activities, and others.).

In the process of working with clients monitors, evaluates the characteristics of perception, memory, attention, motivation, behavior, and provides understanding when contracting for insurance services. Establishes criteria and risk when contracting for insurance services, taking into account the state of health, age, sex, education, work experience, level of material security and other subjective qualities that characterize the customer.



Concludes and draws up insurance contracts, regulates the relations between the insured and the insurer, provide for their implementation, carries out the acceptance of insurance premiums. Provides correct calculation of premiums, processing of insurance documents and their preservation. Promotes interest and demand for the services rendered by insurance, taking into account the need to strengthen the material and moral support of various sectors of the population, as well as the growth of the risks associated with competition, bankruptcy, unemployment and other socio-economic processes taking place in the modern world. It assists clients in obtaining comprehensive information on security conditions.

Conducts work on the identification and registration of potential policyholders and insurance facilities, gives an estimate of the cost of insurance facilities. During the term of the contracts concluded in communication with individuals and legal entities, entered into a contractual relationship for insurance services. In the event of damage to the insured evaluates and determines its size taking into account the criteria and risk. Examines coming from customer complaints and claims on the disputed issues of calculation and payment of insurance premiums, payment of insurance compensation when the insured event in accordance with the terms of the contract. Sets the causes of violations of insurance contracts and take measures for their prevention and elimination. Explore undeveloped types of insurance services and their development prospects with a view to use in their practice and to create insurance agencies and services. Timely and in accordance with the requirements prepares the necessary documentation, maintains records and provides storage of documents relating to the conclusion of insurance contracts. Interacts with other insurance agents.

Must know
Normative legal acts, regulations, instructions, and other guidance documents regulating the activities of insurance agencies; kinds of insurance services, and the conditions of the various types of insurance; the legal basis for the development of insurance activities with regard to regional specific conditions; the current system of social guarantees; methods for determining the degree of risk when contracting for insurance services and damage assessment; the foundations of a market economy; basics of psychology and organization of work; order of the conclusion and execution of contracts for insurance services; domestic and foreign experience of organizing security of the population and economic entities; basics of labor law; Rules and regulations of labor protection.


Accident insurance - what it is worth considering

It's no secret that every day we have to be provided in a variety of situations of risk to health

Should we think about insurance accident

And though it may all seem a part of the everyday, mundane things, but the result can be a trauma that will lead to significant material spending. An example may serve a variety of household chores - washing windows, chandeliers, hanging curtains and so on. Risk are as current valves, faulty electrical outlets which are coming loose and hanging high things, and the like.


In winter, the increased risk of falling, which can result, for example, a fracture of the hand, that for people of almost all professions will mean the loss of working capacity and thus man will be beaten out of the normal rhythm of the long term. Naturally, and in the warmer months, we sometimes face is not less than the dangers. In summer, many people are engaged in the country, which requires the use of physical force and working with garden tools. It is also a time to active sports and outdoor games. All of the above applies to travmoopastnym situations, but also in the summer increases the risk of insect bites that can have many unpleasant consequences.



crash - Accident insurance
And while no one can predict what will happen to any of us at any given time, but the possibility of "podstelit straw" is still there. Chance to mitigate the negative consequences of different accidents, lying in wait for us, it seems to us, by the use of such services as insurance against accidents (NA).


In the general case of NA insurance it provides three insurance cases: death, disability, injury or disability. It should be borne in mind here that by accident, understood unforeseen event that has occurred without interference and regardless of the actions of the insured person.

insurance policy against accidents
Insurance companies offer quite a wide range of policies for this service, which has reasonable prices. Thus, each person can choose the product according to your desires and budget. The amount of payment determined by the insurer, depending on the severity of damage to health. Ultimately, this will help alleviate the financial consequences of an accident.


Based on the fact it is clear that buying an insurance policy from an accident, we care not only about their health and well-being, but also their loved ones.

Choice of commercial liability insurance more restricted types

The difference between regular Caf� Hotel and an unforgettable caf� or hotel is located on a number of factors. Most of these factors have a lot to do with customer service and complete comfort. expected in respect of a caf� that people are attacked her senses to a few things. The smell of coffee beans, heat, an open atmosphere and a color scheme that is not garish or conflicting.

People look for similar things in hotels, but the smell of coffee with very specific lighting scenes and an overall sense of cleanliness and relaxation can be replaced.

The thing about commercial real estate such as a caf�, hotel, or even Restaurants, is that while consumers can expect some sights, smells and even behavior from the establishments they visit, the same goes for the owners and employees of these places. Only its concentration is not on how bad the coffee tastes or how clean the room is. Instead, it is on how well their professional liability insurance works.



Commercial liability insurance is a more general type of insurance than say Caf� insurance or hotel insurance. Commercial liability insurance is broad enough that it can be applied to any type of commercial real estate.

The sense of having liability insurance for any millstone that can be covered from a legal perspective.
Caf� insurance helps, for example, a cafe or restaurant to stay in business, even after a lawsuit is filed. The caf� or restaurant may be one or more of the following actions to interrupt operation of their company available for an automatic extension of their insurance:

-Mangelhafte Hygiene, vermin, pests or etc. leads.
-Anzeigepflichtig
-Professional Fees to the account
Or-Murder Suicide
-Delivery Damage amounts to no less than 25,000 l
-The Failure of public utilities
Refusal by access

Caf� insurance covers against injuries and damage that could occur to the public. It protects also responsible before the supply or sale of certain were a liability. Most shop owners may please to find out that caf� and restaurant insurance also has a section on buildings cover, stating that damage is done to cables or pipes that are covered underground. A great help when you estimate how expensive it would be, but to fix this kind of damage with no money in their own pockets.

How Caf� insurance good for those who are running a cafe or restaurant, is Hotel insurance for anyone who owns a hotel, boarding house or guest house. Hotel insurance does the same thing, doing another insurance company. It protects owners against loss, damage or claims against them by a third (a k a guest).

At the end comes down to what level of coverage you fit. You have to consider whether your business falls into a hotel, guest house, inn or bed and breakfast. Alternatively, if you run a caf�, the same rules apply. There are various features that may change at any time, which would change to another at the end of the description of your company from one. If you want a bed and breakfast but had then decided to stop eating, you could end up as a guest house or hotel, depending apply, what other factors for your business.

This is just one of the reasons why many people choose to use commercial liability insurance. Under a broader range of coverage allows them to branch off and to reduce or change according to circumstances and their own preferences. It is also cheaper to obtain and to keep commercial liability insurance.

Is this the way that you think would be best for your business, it is time that you do some research. Consider your options and really think about it, you think about whether commercial insurance or insurance would be best with a narrower niche. A caf� has always been a caf� and will always enjoy the benefits, Caf� insurance that was designed specifically for them. It's the same way with hotels and hotel insurance. Specially focused insurance are not for everyone. So if you have a hard time figuring out your future plans have (or if you just need to save the money), commercial liability insurance is probably the best choice you can make.

As the introduction of electronic MTPL policies affect the availability of auto insurance?

The opportunity to conclude MTPL contracts in electronic form (hereinafter - e-CTP) came from citizens on July 1 last year, and legal entities - from July 1 this year. According to RSA, today concluded about 300 thousand. Electronic contracts, representing approximately 0.5% of all contracts of CTP. The most popular they are in those problem areas where insurers withdraw from the market due to the high loss ratio of this type of insurance, leaving acquire paper policies virtually impossible (Krasnodar, Volgograd, Rostov, Ivanovo Region, Republic of Bashkortostan).

While the design of electronic policies on a voluntary basis, and currently only 17 of the 70 insurance companies licensed to carry out civil liability insurance of vehicle owners, provided for customers such an option (see the list of the insurance companies can be on the official website of the PCA). However, since January 1, 2017 the conclusion of electronic contracts will be the responsibility of the MTPL insurance - any person can file a complaint with any insurance company which is engaged in CTP .




Theoretically, after the introduction of such a duty for all insurance companies the number of e-policies should be increased. However, insurers are not only not predict significant growth in the share of e-CTP, but, on the contrary, suggest that some market participants refuse this type of insurance at all. Problems that occur after the introduction of obligations to conclude MTPL contracts in electronic form have been discussed, including in the framework of an organized forum of the Institute of the Internet "Internet + Finance", held on 21 of September. Let's see how this innovation is useful for drivers and how it will affect the activities of insurers.


Expected problems

Under the new rules, insurers will be required to enter into electronic MTPL contracts throughout the country, regardless of the fact whether they have branches in the region of policyholders living. In this connection, will need to think about how to properly secure the settlement of losses in the case where, for example, the insured from Vladivostok enters into a contract CTP in electronic form with the insurer from Kaliningrad, do not have a branch in Vladivostok, said Head of the RSA security methodology Mikhail Porvatov.

Current legislation requires insurers representation on the settlement of losses in each subject of the Russian Federation (p. 1, Art. 21 of the law on compulsory motor TPL). Small insurance companies meet this requirement by concluding agency agreements on representation in regions with major insurers that have branches all over the country. However, this representation of the Institute model assumes that the representative of the insurer will settle the loss only in those areas where the latter does not sell policies. In the regions, where sales are conducted, the insurer is obliged to have their offices on the settlement of losses, the expert said. Therefore, the introduction of sales policies on the entire territory of Russia (namely, it means e-CTP) will lead the reform of the institute of representation of insurance companies.

OUR REFERENCE

Settlement loss - a set of the insurer's actions to address victims' claims for payment of insurance compensation, carried out in order to determine the legality of the claimant, the amount of insurance compensation and the fulfillment of obligations on payment of insurance compensation or the direction of a reasoned refusal in accordance with the requirements of the law (Article 1.1 of the Rules of settlement of losses by insurance. organizations - members of the PCA on MTPL contracts, approved by the decree of the Presidium of the SAR on October 8, 2009 ? 4)..

Still can not find the solution one of the most important problems in the field of e-CTP - the lack of information exchange between the authorities, insurers and the PCA. Introduction of electronic insurance policies was intended to simplify the procedure for their preparation, which is why insurers freed from the need to submit to the insurer a passport or a certificate of registration of the organization (if the insurer - a legal entity), the document is the vehicle registration, driver's license and diagnostic card, or a copy of these documents. It is assumed that the information contained in such documents information, insurers are prepared by exchange of information in electronic form with the relevant authorities and organizations (para. 4, Art. 15 of the law on compulsory motor TPL).

Thus, the legislation provides that the number of ministries and departments, including the Ministry of Internal Affairs and the Federal Tax Service of Russia are obliged on request SAR to submit information for inclusion in the automated information system of compulsory insurance of civil liability of owners of vehicles, known as AIS CTP or AIS SAR (n. 2 of Resolution RF Government of September 14, 2005 ? 567). The interaction between the authorities, the PCA and its members carried out using SMEV - a unified system of interagency electronic interaction (paragraph 2.2 of this decision.).

However, as reported by Michael Porvatov, in practice, such communication has not yet been organized, although the PCA repeatedly sent to the Office an application for access to their services. The lack of interaction leads to the fact that insurers can not guarantee the accuracy of these insurers in the statements on the conclusion of the contract CTP data in electronic form (no typos in the presentation of information and deliberate distortion). Accordingly, it is impossible to ensure the purity contained in the CTP AIS information, as they are making directly in the insurance companies.

Certification of power of attorney

Certification of power of attorney


1. A power of attorney for transactions requiring notarized form for submitting an application for state registration of rights and transactions, as well as to dispose of registered in the state register of rights must be notarized, except as required by law.

2. The notarized power of attorney equated:

1) the power of attorney of servicemen and other persons who are undergoing treatment in hospitals, sanatoria and other military medical institutions, which are certified by the head of such an institution, his deputy at the medical unit, and in their absence or senior doctor on duty;


2) the power of attorney of servicemen in places of location of military units, formations, institutions and military schools, where there is no notary offices and other bodies to perform notarial acts, powers of attorney of workers, their families and the families of military personnel, which is certified by the commander (chief ) of these units, formations, institutions or establishments;

3) the power of attorney of persons in detention, which is certified by the chief of the respective places of detention;

4) powers of attorney of capable citizens in institutions of social protection of the population, which is certified by the administration of the institution or the head (his deputy) of the relevant body of social protection.

3. The power of attorney to receive wages and other payments associated with the employment relationship, on the remuneration of authors and inventors, pensions, allowances and scholarships, or for correspondence, with the exception of valuable correspondence, can be certified by the organization in which the principal works or studies, and the administration of the inpatient treatment institution in which he is being treated. Such power of attorney shall be certified for free.

4. The power of attorney on behalf of a legal entity shall be signed by its director or other person authorized to do so in accordance with the law and the constituent documents.

Legal advice On the registration of power of attorney

Legal advice On the registration of power of attorney

Often I am leaving on a long trip. Previously, the employer gave my wife a power of attorney to receive parcels and correspondence by e-mail. Now she refuses and says that the power of attorney is not suitable. Is it legitimate?

Indeed, since September 1, 2013 in the text of the Civil Code (the Civil Code) significantly transformed the rules governing the procedure for registration of power of attorney. The text of chapter 10 "representation. The power of attorney "to add two new articles - 185.1" Certification authorization "and 188.1" Irrevocable Power of Attorney. "

In accordance with paragraph 1 of Article 185 of the Civil Code to September 1, 2013 recognized the power of attorney written authorization issued by one person to another person or other persons for representation before third parties.

It follows that any power of attorney should absolutely be made in writing. In the cases mentioned in the law, power of attorney requires notarization or certification by organizations and individuals that are directly stipulated in the Civil Code or any other law.

On the basis of the provisions of Articles 182, 185, 186 of the Civil Code, the power of attorney gives the right, indicated in her face (representative) to represent the issuer trustee (trustee) for the period specified in the authorization.

From the new wording of paragraph 1 of Article 186 of the Civil Code ruled out expires and the power of attorney three-year period. Now, the power of attorney may be issued for any period of time, including more than three years. If the proxy is not specified expiry date, it shall remain in force for one year from the date of the transaction.

Thus, in the absence of a power of attorney indicate the expiration date indicates only that the power of attorney issued for a year, and is not the basis for the recognition of such a power void.

The minimum term of the power of attorney in the Civil Code of the Russian Federation, m is not set and is determined by the principal alone. On the basis of Article 190 of the Civil Code, according to which the term is defined by the calendar date or expiration of the period of time that is calculated in years, months, weeks, days or hours, we can conclude that the power of attorney may be issued not only for one day, but also a certain number of hours.

The procedure for license authorization, previously regulated the rules of paragraphs 2-5 of Article 185 of the Civil Code is now designed as a separate article 185.1 of the Civil Code.

The need for notarization (except as provided by law) from 1 September 2013 pursuant to paragraph 1 of Article 185.1 of the Civil Code applies not only to the power of attorney for transactions requiring notarial form, but also to:

    filing an application for state registration of rights and transactions;
    order registered in the State Register of Rights.

The list of powers of attorney, equated to notarized, has not undergone significant changes. On the basis of paragraph 2 of Article 185.1 of the Civil Code are recognized as such:

    the power of attorney of servicemen and other persons treated in hospitals, sanatoria and other military medical institutions, which are certified by the head of such an institution, his deputy at the medical unit, and in their absence - or the senior doctor on duty;
    proxy troops, and in places of location of military units, formations, institutions and military schools, where there is no notary offices and other bodies to perform notarial acts, powers of attorney of workers, their families and the families of military personnel, which is certified by the commander (chief) of the The compounds, agency or institution;
    trustees who are in prison, which is certified by the chief of the respective places of detention;
    powers of attorney of capable citizens in institutions of social protection of the population, which is certified by the administration of the institution or the head (his deputy) of the relevant body of social protection.

On the basis of paragraph 3 of Article 185.1 of the Civil Code d overennost to salary and other payments associated with labor relations, to receive remuneration of authors and inventors, pensions, allowances and scholarships, or for correspondence, with the exception of valuable correspondence may be certified organization in which the principal works or studies, and the administration of the inpatient treatment institution in which he is being treated.

Compared to effect prior to 1 September 2013 from the list of standard material values, to which the power of attorney may also be certified by the rules of paragraph 3 of Article 185.1 of the Civil Code, ruled valuable correspondence.

Thus, from September 1, 2013 the principal employer is not entitled to certify the power of attorney to obtain valuable correspondence and mail organization, in turn, take a power of attorney.

Under the rules of paragraph 3 of Article 185.1 of the Civil Code is now also can not make sure the power of attorney for a citizens' deposits in banks.

In addition, compared with the effect prior to September 1, 2013 the norm among the persons entitled by way of paragraph 3 of Article 185.1 of the Civil Code to certify the power of attorney, are excluded housing maintenance organizations, banks and communication organization.

For all the power of attorney executed in accordance with paragraph 3 of Article 185.1 of the Civil Code, the legislator provides for the necessity of their license on a free basis. Earlier, the indication referred only to the power of attorney certified by a bank or telecommunications entity.

The meaning of certification of the signature of the principal according to the rules of paragraph 3 of Article 185.1 of the Civil Code is that the organization, which employs the principal certifies that the signature on a power of attorney executed just that, and not any other person. However, as explained in the decision of the Supreme Court of the Russian Federation of 05.02.2009 ? 20-V08-16, the signature of the principal license by himself (for example, if he is the head of the organization) is contrary to the meaning of this provision of the Civil Code, as such certification is not can guarantee to third parties, which subsequently presented a power of attorney, the accuracy of the signature of the principal.

The answer to the question prepared by the chief specialist of the Legal Support Department of the contract system in the procurement of the Administration of the city of Omsk EN Ashvits.

Travel insurance - an important formality or a necessity?

Awareness of the importance of having valid travel insurance comes when suddenly while traveling, at best, it might be a nuisance in the form of minor injuries requiring medical attention.

Travel insurance - an important formality or a necessity?
Usually difficult to provide for their own negligence, but to avoid unpleasant consequences, as well as treatment in a foreign country at his own expense as possible, in advance of issuing a quality insurance from a reliable insurance company before the trip (not counting the fact that some no version of travel insurance when traveling in Europe It should be in default of the tourist).


When making a medical travel insurance before you travel, you need to take into account the territory (area), which will extend insurance coverage.

For example, for the EU countries the total amount of insurance coverage must be at least 30 million euros (or $ 50,000). When puteshetvii in countries such as Turkey, Egypt, Thailand and the United Arab Emirates turstrahovka not required, but registration of medical policy with at least the minimum insurance premium is still desirable for Vazhego own peace of mind. Just the presence of an insurance policy increases the chances of getting a tourist visa to Canada or Australia.


Buy a standard insurance policy for going abroad (TCD) can be in the offices of insurance companies or virtually any travel agency, as well as through the Internet on the websites of insurers and intermediaries in multiple-line, pay for purchases by credit card. Most card-issuing banks offer travel insurance from insurance companies-partners to holders of its cards.


It is particularly important that all the embassies of European countries - including visa offices in Switzerland, Austria, Finland and the Czech Republic - have lists of accredited insurance companies travel insurance, which are published on the websites of consulates of the countries concerned. These lists can be mainly advisory in nature, but in special cases the design of medical policy should take place only in an accredited insurance company - it is worth paying attention to it in the study of the list of documents required to obtain a visa.

How to pay off your mortgage?

Getting a mortgage is always accompanied by a pledge of real estate, ie mortgage. In general, mortgages this is the mortgage. This property is imposed burden. What is the burden can be read here.

Encumbrance valid until the loan is fully repaid.

But the debt you have paid, and are still Rosreestra recorded that the apartment in the mortgage.


How to pay off your mortgage?

A registration of the mortgage is repaid on the basis of:

The decisions of the court;
Joint statement from you and the creditor;
lender statements;
Statements mortgagor, ie, your application.
If shaped by the mortgage, pay off the mortgage easier. You can do it yourself.

In order to pay off the mortgage, you need to contact the lender the following documents:



a certificate on the performance of your obligations under the credit agreement;
original mortgage (if any). On the mortgage lender have to be a mark that the liability is settled completely. This mark must be certified by signature of the authorized person of the creditor with an indication of its position and the seal of the creditor;
notarized copies of the constituent documents of the lending bank;
certified copies of documents certifying the authority of the person who made a mark on the repayment on the mortgage, and signed a letter of debt repayment.
If the mortgage is not made, then pay off the mortgage can only be with the lender.

In the loan agreement or the contract on the mortgage or mortgages should be given a period during which the creditor is required to give you all the necessary documents for the repayment of the mortgage. Standard time - 2 weeks.

Please note that a small bank does this automatically. Therefore, as soon as fully paid on the loan, contact the bank with an application for the issuance of the necessary documents.

How is the removal of the mortgage with the property?

To remove the encumbrance need to Rosreestra. To do this, you must have the following documents:

Statement;
The package of documents that you gave the lender (see above);
The agreement, based on which the mortgage was registered - the sales contract (if mortgage by operation of law - with a note of registration of the mortgage), proof of ownership, etc.) or mortgage agreement, and with a note of registration of the mortgage;
Legal documents in the apartment;
In any case, grab a credit agreement;
Receipt of payment of fees (only if you want to get a pure testimony, no records of the mortgage).
The whole procedure is free. Paying only need to obtain a certificate without encumbrances, if you want to get it. To do this, you need only write an application for the grant of such a license on a new form and pay a fee.

Encumbrance is removed 5 days.

Your mortgage is sold. What to do?

It's okay, just now you have a new lender. It gives you the same documents as described above and further issue certified copies of documents confirming the purchase of your loan (mortgage).

And if the lender (the bank) is bankrupt?

When a bank bankruptcy, revocation of his license, the bank introduced a temporary administration, which should resolve all issues with the clients of the bank. The required set of documents can be obtained from it.

Your mortgage mortgage sold. Should I worry?

In general, the mortgage lending system looks like. Banks lend to individuals mortgages, rights which are mainly certified mortgages. Make sure mortgage means that the transaction with the credit agreement and the mortgage agreement is made even mortgage. Why and why you can read here.

And in order to have money for the next issue, banks often accumulate credits on its balance sheet and then the gross (pool) sell them to investors. Banks appear "free" money they can to lend again. But now is not about that.


Sale of mortgage

It should be understood that the bank can sell the mortgage to any person. Sale of mortgage can not be prohibited, any such record on the mortgage - is negligible. Sale of mortgage recording accompanied her with a mark on the new owner. In fact, all. Sale of mortgage and credit accomplished. The new owner of the mortgage may register their rights and can not register. Oddly enough, but this is also his right. It is legitimate on the basis of a mortgage made to mark the transfer of rights.

However, on the sale of non-credit mortgage company, you have to give its consent. But it is, as a rule, explicitly fixed in advance or in your application for credit, or, most likely, in the loan agreement.

Sell ??your mortgage can be an unlimited number of times, sometimes sold back to your own primary creditor, ie one who gave you the loan. This often happens when you are in the first year there are some problems, including defaults


Selling mortgage involves the transfer of personal data and obligated persons, ie those who signed the mortgage, without their consent. But the new lender is legally obliged to ensure the confidentiality regime.

And how do these persons are obliged to recognize that there was a sale of the mortgage?

Quite simply, after the sale of your primary mortgage lender is obliged to inform you about the transfer took place. Notify is not on the phone, sms-Coy, not by e-mail, and written under your signature. If you have any doubt on receipt of such a letter, you can call your primary lender and clarify whether this is so.

It happens that the new owner of the mortgage is in one place, for example, in Moscow, and it has no offices in other regions, and your apartment, which is pledged for the loan in Vladivostok. Of course, the new owner, and you yourself, remote communication is inconvenient. And then the new owner appoints a local agent for support, what will notify you in writing. Always writing. As a rule, in the same letter, you are notified of new details for payment.

New details for payment

By the way, new details, probably the only disadvantage of the sale of your mortgage.

Worry about, because none of the conditions of previously concluded contracts and the mortgage can not be changed unilaterally, without your consent. But you will need to pay for other details.

What does it mean?

Theoretically, you can make money in the same place forever. You're sure to come in your bank account filled up with this account on a specific date to debit to repay the loan. In order to write off the money, you are likely to initially leave the bank standing order for withdrawal. Now you need to change this order, specifying a new recipient, and new details. And the pay can, as always, coming into my bank. Only money is now your bank will not afford to leave, and on the list you specify details. If the sale of the mortgage has happened a few times, you will probably need to change each time this request for withdrawal of money.

What is the disadvantage here?

If your payment previously remained in the bank, but now he will have to "walk" to get to the new owner of the mortgage. After the expense of the latter certainly open another bank. Those. if before writing off money from your checking account and credited to the credit account held at the same time, but now it will take some time. In some cases, the write-off of money from one bank to credit them to the loan account at another bank can take several days. And it can lead you to the so-called technical arrears and penalties. To avoid this, top up your account in your "old" bank in advance and standing order for withdrawal does not specify the deadline for payment, and for a couple of days earlier.

whether the new costs arise?

May occur. And that's why. Before you pay your creditor in one bank, and he with the money you have to repay the loan did not take. Now held for sale and the mortgage you have to pay to a third party, the new owner of the mortgage. Account with him, as we have said, generally can be in another bank. To your bank, where you are served, there is a new work to transfer your money. In most cases, this is a paid transaction. The commission amount is set by the bank, who on your behalf transfers the money. And you have a new task - to select the operator (bank), which is the most cheaply will forward your money to the new creditor.


Insure and live quietly with a mortgage

What can be insured at all?

Insure may be a loved one, that is, his life and loss of ability to work, their possessions, their financial responsibility, liability, ie their liability to third parties. The risk of loss of ownership of real estate can still be insured.



In general, everything is possible. What you need, when you take a mortgage loan?

There mortgage insurance when required, but is voluntary.

Required banks require to insure the property, which is transferred as collateral (mortgages). It is believed that this is required by the law on mortgage (we will not argue about it now). The cost of insurance depends on the type of accommodation, the house will be more expensive apartments, wooden house - even more expensive. This insurance is generally a good thing, and civilized. He insured and live quietly. If something happens to housing - a flood, fire, etc., the insurance company will pay for the damage. When a mortgage when you pay every month to repay the loan amount and a serious budget can not allocate the extra money for such repairs, it is useful.

Well, in general, this is all bound. All other optional insurance from the point of view of the bank, but will affect the cost of credit. The more insurance you will have, the less may be the interest rate on your mortgage.

But I would like to talk about some of the more insurances.


insurance risk of loss of life and disability. Not necessary. But imagine that you pay on the loan, and here with you something happens (God forbid, pah-pah-pah). Who is going to pay the loan? There is no one? Start delay. It is necessary to you? But, if you insure, you will pay for the insurance company. And do not forget that if the rate of such insurance below.

insurance risk of loss of property rights. title insurance, if shorter. Again, optional insurance. Now the little which banks require such insurance, and if you want it, it is only for the first three year loan, yet are not considered to expire limitation period, ie where a third party may bring an action to protect their rights on your property. And here there is a big "but". Civil Code does provide for a term of protection of violated rights. It really is 3 years. But 3 years from the date on which the person knew or should have known about the violation of their rights. A person can learn about the violation of their rights much later than the date of issuance of credit, for example, a child whose rights are infringed. Grow up and submit a claim. Maybe, instead of the maximum coverage is better to check all around the apartment (or other property) in advance before purchasing it? It's your risk, and not the bank. What you should pay attention to, can be found here.

If you decide on the insurance if the mortgage, do not forget that in the complex all this costs less.
And do not think that your rights are protected by someone else, especially a bank that thinks only of himself.

Calculate the risks and decide what insurance you need, what - no. Rate the full cost of the loan, taking into account the cost of insurance and compare with the cost of the loan without insurance. Choose the best loan is not on a whim, and mathematically.

Mortgage, installment or lease with option to buy?

In general, there are only a few ways to purchase housing in the property. The most common, if you do not have enough money for full payment of purchased housing:

Accommodation in installments;
Buying with a mortgage;
Rent with option to buy.
Let's look at the pros and cons:


Buying with a mortgage

Mortgage loan can be obtained at the bank. The bank just will not give money. Firstly, it will check your income and calculate the amount of credit taking into account the fact that the loan payment should not exceed 35-40-45% of your income (this depending on the risk appetite of the bank). And, of course, you all still need to make a part of the expense of their own money, 10 percent, or even 30 (again in different banks have different requirements in this regard). Rate? Well, the standard rate, is now 12-17%, depending on who buy housing. In the builder - it is cheaper. What is more important? Of course, the term of the loan. The longer, the lower the payment on the loan and the more you can give the loan amount. The Mortgage maximum loan term - 30 years. One should not forget the fact that the apartment at least once and transferred to your property, but the bank is burdened by rights, ie It is pledged. Without the consent of the bank you are in an apartment, in fact, you can only live and make repairs. Neither change, nor sell nor give nor let lodgers - not.


Buying a home in installments

Installment plan - is to buy a property with deferred payment. Those. buy now, pay later. Buy a house in installments of an ordinary seller - an individual is not real. Who would give up his apartment without having to pay? But the seller - the developer can. That developers are actively provide for payment by installments. Especially now, during the crisis, they need money. Why not use it? What is the difference of the mortgage? In principle, only deferred payment terms. The mortgages have payment period is extended to 30 years, but in installments - a maximum of 5 years This means that the installment monthly (or other payment, it is how to negotiate with the developer, maybe you will have an annual payment) payment will be higher. Yes, more importantly, the developer is likely to require more than 10% down payment and the interest rate is 50, which is taken into account in installments? Well, less likely rate mortgage. If you are not planning to take a mortgage for a long time, the installments for you - option.

Hire-purchase

An interesting phenomenon, actively began to develop in recent years. Buying an apartment in a lease with the right to repurchase means that you do not become the owner of the right. This - minus. Although you will not need to insure no apartment, no self that necessarily required when the mortgage. This - plus. The rate is a little "bite", ie it is higher than the mortgage and installment. Term of the loan is less than the mortgage - up to 15 years. But in general, it is not so terrible, because during the term of the loan over 15 years, the payment amount on it almost does not change. But the more attractive the lease? And the fact that you do not need to prove your income, no one important is your check, no one will view your credit history. After all, you do not need to make an initial payment. You sign a contract with a company that is selling you an apartment, dwell in it, not being the owner, and start to pay a certain amount each month. After payment of the apartment, you become its owner.


Denied a mortgage .... ? There is another way!

Today the number of people willing to buy housing in the mortgage grows like mushrooms. The truth is not all smiles luck such as a mortgage loan: the negative credit history, income does not meet the requirements of banks, or simply denied without explanation. It seems to be an initial payment for the acquisition of property there, and stable income, and he kind of is solvent and trustworthy, and banks still refused.



But, in fact, than the risks to the bank that issued the mortgage borrower with negative credit history and no proof of income? After all, he has pledged mortgage apartment .... And nothing. Just deal with the procedures of recovery and spending time in the courts (in the event of something there ...) - this is not the profile bank's activities. It happens. But, as often happens, all that reject one, take others in turn.

Since February 2016 Investment Company "OCD-Invest" at the same time in 6 regions of the country has launched for citizens, which the bank denied mortgage program "Buying housing in installments," a fixed interest rate of 10.5% per annum.

The main advantages of this program:

no requirement for a credit history;
It does not require proof of income;
Guarantors are not required; a low interest rate.
ownership is issued to the client.

application pendency period - 2 days.
Statistics - 96% of approved applications for housing in installments. Already more than a dozen clients of the company in Izhevsk, Kazan and Perm New 2017 Year will be welcomed in their own homes rather than in rented as before. The money that people pay the rent before rented apartments, now going on repayment installments for their own housing.

Investment company "OCD-Invest", in turn, are protected by a pledge of the purchased apartment, so it makes no sense to put forward the requirements of its customers, which they have advanced banks. And besides, the company is not a banking organization to meet these requirements ... Without them, somehow everything is much easier!

So, the essence of this program is as follows:

With a customer order is a contract according to which it entrusts the company to acquire property for him, he has chosen. Once the company is fully bought a house, it is sold to the customer in installments at 10.5% per annum (interest rate is fixed and does not change) on the sales contract. In this installment is issued for up to 25 years, and ownership of the apartment goes to the purchaser immediately. But the apartment is pledged to the Company.

It is important to note that the client is involved in the acquisition of apartment own funds in an amount not less than 20% of the purchase price, the remaining amount of the company incurs.

For providing installments present Commission from 200 000 to 500 000 rubles., Depending on the cost of housing, the amount of down payment for an apartment and period installment.

Thus, the client lives in a house or apartment and pay for their accommodation, where it is the owner, not for someone else!

Restriction on the value of real estate is not the company, which means that the customer can choose any housing "on the soul and on the pocket!"


What is a mortgage? Why does she need?

Mortgage is a registered security. It was she, because issued a specific person (the debtor and pledgor) to a specific name, namely, in the address of the creditor - mortgagee.

The mortgage bank is not prepared, and an individual who has taken the loan and provided to pledge his property. If the property is mortgaged provided the third party, then it is involved in the drafting of the mortgage.


No, of course, actually forms a mortgage bank, filling in for the client all the necessary fields. Borrower and pledger just have to sign it. But the law is considered to be that security was the borrower and the mortgagor.

Mortgage certifies once 2 rights of its owner:

the right to demand repayment of the loan;
the right to foreclosure on the property which is the subject of mortgage (if the borrower will pay on the loan in good faith).
The mortgage on the law certainly do not forget to specify a 14-point, namely, the following information:


the word "mortgage";
1. on borrowers;
2. of the pledgor;
3. on the creditor - pledgee;
4. of the loan agreement (loan agreement);
5. of the loan amount, rate of interest, the order of their calculation;
6. on the procedure for the payment of principal and interest;

about property - the subject of pledge;
The real value, confirmed an independent appraiser;
on the right, by virtue of which the property belongs to the pledger, including information on registration body which registered this right;
the presence / absence of encumbrances on the property;
signed by all borrowers and depositors;
a mortgage registration;
the date of issuance of the mortgage.
The creditor may indicate in the mortgage and other information. Some banks are instead included in the mortgage simply additional conditions are sewn together with a copy of the mortgage loan agreement.

By the way, theoretically, some mortgage conditions can be placed on the Internet site to the lender or published in the media with a circulation of at least 10 000 copies. Then when you make a mortgage it just gives an indication of the source publication.

The procedure for registration of mortgage

The mortgage is usually prepared on the day the contract of sale of apartments and the loan agreement. Although the mortgage can be made and then, at any time before the full repayment of the loan.

Mortgage transmitted together with the other documents for the purchase and sale transaction in the body of state registration of rights to immovable property. All sheets are numbered and the mortgage you need to sew.

After the registration of the buyer's property (often it is also the borrower), a body of state registration officer shall affix to mortgage information on the rights (property and mortgage), confirms this information with his signature and seal, and gives the mortgage creditor - mortgagee by placing in the mortgage even date its issuance.

If the state agency made a mistake when filling in "their" information (as it happens, oddly enough, often), it should correct the error in an explicit form and to assure its correction.

The transfer of rights to the mortgage

But we got to it, and which actually need a mortgage. After all, there is a loan agreement, has a mortgage agreement (or contract of sale with a mortgage in Sid law). Why another document?

And all the banal - to sell the mortgage it was as simple as possible. After all, if there is a mortgage, you need to make a contract of assignment of rights and under the credit agreement, and the mortgage agreement. Do not just create and register them. And if a lot of selling loans? A lot of ... Presented?

But if you have a mortgage (and we remember that it confirms once 2 (!) Law), it is sufficient to write a mortgage "to transfer the rights to something on such a treaty with such and such a date." And yet! Even no need to register it. It is possible, but not necessary.

That is why the mortgage is required to immediately provide a place for marks on the transfer of rights to the mortgage to the new owner. And more than one place, but several, because credit can "roam" from one lender to another. And you can further simplify the credit transfer process, pointing to the mortgage, it will be stored in the depository. Then all make the depositary, on the mortgage even write do not need anything at the transfer of rights.

loan Repayment

If the borrower to repay the loan, the bank that issued the credit (or the current owner of the mortgage, if the "sell" credit) does on the mortgage mark that the loan is repaid, sends the borrower a set of documents, including mortgage and a certificate of full repayment of the loan, and the borrower is in state registration authority and invalidates the encumbrance in the form of mortgages and mortgage.

Corporate mortgages. How to take care of the enterprise

the possibility of buying more affordable housing being built by the company itself,
grant a loan, which, in turn, is of two kinds - the subsidy for the down payment or the payment of the interest rate.
Let's look at a mortgage. Such a loan involving the help of his employer and have a corporate mortgage.


In the process of registration of the corporate mortgage involves three parties: the borrower, the company and the lending bank.

For the borrower, in addition to direct subsidies from the company, it is good for the fact that the employer may have with the lending bank payroll project and then the mortgage can be even cheaper. Most banks give a discount to the interest rate for members of salary projects. As a rule, it is a minus of 0.5% to the rate.


It is made out such corporate mortgages, usually in the shortest possible time, because your income in this case, the bank already knows, extra certificates do not need and checks you much faster. In the current conditions of unstable financial market and the real estate market of problematic speed is very helpful.

As the company prepares relationship with his employee at the corporate mortgage?

If the company gives the employee a subsidy or compensation, as mentioned above, it is often with him is the target of the loan agreement. While work - on it you do not pay anything worked, for example, 5 years - nothing should dismiss before 5 years - will have not only the bank, but also to his former employer. There may be exceptional cases where the employee has been working in the company and is especially important scenes, and the company encourages its free subsidy.

Corporate mortgages, incidentally, to some extent, protects personnel against possible compulsory retirement, but it restricts the freedom to quit on their own is difficult.

But in any case, the presence of such assistance from the company is a good thing. After all, the same initial payment is difficult to accumulate, and then the company will give the money. Even then this money will have to pay. Consumer credit will more accurately.

In general, corporate mortgage deal interesting, but as with any mortgage, responsible. There is a good saying on the subject - "free cheese is only in a mousetrap." Think and choose you!


Benefits Of A Floral Design Degree Colorado

By Steven Hayes


Getting a college degree is a great thing especially in the current world were you have to produce academic documents in almost every job. However, there are some courses which are highly overrated. You should get a degree in the field you are interested in and not just because the world thinks it is the best. Below is a discussion on the merits of pursuing a floral design degree Colorado.

You can decide to work in any store dealing with floral ranging from floral shop to even grocery stores. After graduation, you are able to start your own store without going through great hustle. However, you need enough resources in terms of finances and manpower.

Once you attain the degree, you do not have to go on and do post-graduate courses in order to increase your credentials in the job market. In this field, your skills are what will make it likely for you to be hired. This is not the case in many of the professions as they require too much experience and knowledge which calls for a lot of school work in the city Fort Collins, CO.

Creativity is essential in floral design. People who have creative minds will find it highly satisfying to work in this department. People who work in office do not enjoy this as much because what they do is usually routine in most cases. When you are used to routine then your creativity is dimmed. You do not have to subject yourself to this when you have a better alternative.

The salary depends on the number of clients your are serving. Thus, it can be said you are totally in control of how much income you take home if you are an entrepreneur. However, this is not the case when you are employed. Thus, it is advisable to set up your own shop if you have the skills.

You will be coming into contact with clients on a daily basis. You should be good in relating to them. Talk to them in order to determine what they are looking for and go ahead to get them that. You will have happy and satisfied clients in this case. Also, be sensitive to their situations.

The degree does not take more than four years unless you experience difficulties while studying. In addition, you are able to work and study at the same time given that the course work is not demanding. It helps in that you can be able to support yourself and even pay your tuition fee so that you do not end up with many debts after graduation.

Every job comes with its challenges. You should be expecting this when you decide to venture into the floral field as an entrepreneur. However, it is not so much about the challenges you face but the tactics you employ in solving them. You should pay attention to the undertakings of your mentors so as to learn as much as you can before you venture out by yourself. Being able to solve challenges amicably will enable you to grow your business faster.




About the Author:

When you are looking for the facts about a floral design degree Colorado locals can come to our web pages here. Additional details are available at http://palmerschooloffloraldesign.com now.


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