MBS Bonds

Mortgage participation certificates, unlike bonds, have no fixed income and the nominal value. Yield of these securities depends on how well the company, which trust mortgage, will collect payments on mortgage loans. Although, in the event of bankruptcy of the management company, the holders of certificates also are not in danger of losing money – funds are management of the company and can not be used to repay its debts to creditors. The risk of defaults on mortgage bonds, is directly connected with its software. Providing real estate and the state guarantee for mortgage bonds suggests that they are less risky (and profitable) than corporate bonds, but more profitable than the state. Total MBS are characterized by such factors as reliability, transparency, accessibility and sustainability.

Mortgage-backed securities in the form of bonds were well known in pre-revolutionary Russia, and enjoyed great popularity among the population, since bringing in a steady income prescribed percentage, and could be sold on the exchange at any time. For the same reasons modern Russian MBS will always be attractive for both domestic and overseas investors. Today, mortgage securities are in demand worldwide. They are provided with real estate, which is always a price. That means a guarantee of profitability this financial instrument is the dynamics of growth in property prices. In million cities in recent years, the average rise in house prices is about 30% per year. In recent years, in some regions it rose to 50%. Of course, not every kind of investment can bring similar earnings.

Forrester Research

For the director of the program of strategical innovation of the Unisys, Nicholas D. Evans, the integration of colaborativos environments in the companies must occur in four stages, ' ' being that some can happen simultaneamente' ' , the executive cites. Still in accordance with it, the ideal is to follow the steps of adoption of any another emergent technology, but he needs to respect the characteristics of the business. According to Evans (2010), the four phases that must be adopted for implementation of the Social Nets in the environment corporative are: Phase I? The use of market tools, where it has the presentation of the social nets to the users and the implementation of prompt solutions, as blogs and wikis. Phase II? Use of sophisticated solutions more, as for example, the option for colaborativas platforms aiming at a number bigger of mechanisms spoon and to share ideas. Phase III? Integration of the tools to the corporative applicatory processes and, must be integrated the contribution functionalities to speed up the accomplishment of tasks.

E, in phase IV? Integrated functions, where the social net must be inserted in some corporative applications, being able to become an item inlaid in software. 5,1 Initiatives that can contribute for the increase of the productivity in the companies Walnut (2010), in contrast of what much people think affirm that it is possible to increase the productivity with the use of social nets when its use well is managed. One recent research made for the consultoria Forrester Research, discloses three reasons that take the people to have access social nets: To remain itself brought up to date with the notice; To look ideas that help in work e? Spoon information also related to the professional necessities. In this research are listed some actions that can be executed by the executives of YOU? Technology of the Information, to take off optimum advantage of these colaborativas tools, as for example, to understand the people to engage them, the managers of YOU need to analyze as the professionals act in the social nets.

Harry Potter

You can buy almost any book comes that me to the mind, without having that to dislocate itself physically. If its interest will be the Bible or something more similar to Harry Potter, will have literally many hours of reading available. You may want to visit Elie Rieder to increase your knowledge. Personally, I find incredible that you can read one such volume of books in a portable so small device. The best characteristic is that auto it if illuminates in way that you can read in the dark one without lighting the lights, becoming the necessity of any illumination unnecessary. It also has ‘ ‘ jogos’ ‘ for this device.

All the games that you can have previously played on iTouch or iPhone estaro available, in bigger numbers and better definition of image. I can guarantee that each game, as for example ‘ ‘ Angry Birds’ ‘ , it is not amused to play in the Ipad that in the device iTouch. Greater is better, as they say. I could continue writing indefinitely, therefore he has as many only characteristics in this device, but still not even I spoke on the appearance of iPad Tablet. Its design is innovative and has air of classroom, elegant, but also of adaptable useful size becoming in any situation. With regard to functionality, I can testify personally that it is very soft and very better of what any another similar device in the market. In the reality, for many users any another computer of the type ipad tablet that it is not of ‘ ‘ Apple’ ‘ it is considered as imitation. This is incredible as this disposiivo obtained to firm the mark of the Apple.

September Customers

The social medias if had become a true phenomenon. Blogs, Orkut, Facebook, Twitter, fruns, e-groups, instant messengers, wikis and sites of Sharing (YouTube, Flickr) are visited daily by 2/3 of the global population. In Brazil, 80% of the users of the net use the social medias, and the time expense in the sites of relationship has superior growth three times to the average of the Internet. The people search in the social medias a space to share experiences, to find people and to increase its nets of contact. Communities had appeared of diverse subjects, grouping using for gostos, opinions interests. It did not delay companies very to discover them that these nets could be an efficient and fast form to divulge its mark and still to narrow the relation to the customers.

A study made in September of 2008 for the American company Cone INCORPORATION (social Business in measured study) it evidenced that 93% of the users of social medias believe that the companies would have to be in these nets, and 85% believe that these companies must not only be in the social nets, but also to interact with its customers. Corporative Petrobra’s, and IBM had clearly created blogs. Dell, Samsung, Starbucks and Ford had adhered to microblog Twitter to keep the informed customers of its new features. Small the average companies also are discovering the advantages of the net. Its products and services are divulged world-wide the millions of interested consumers each time more. The companies use this strategy of marketing to become the mark accessible its customers, being inserted it in day-by-day of its consumer, and to inform them of all the updates, since launchings of products until promotions and offers.

An interactive form becomes, and in real time, to be in constant contact with the customer, who can give its suggestions and make its claims. Between the advantages he is feedback immediate of the acceptance of the product and the mark. It is possible to say that the social medias had become the relations between companies and customers, who before were strict commercial, in social relations.

Communication

At first glance there is nothing criminal. Natural person willing desire to buy a new building under construction for an interesting price and a very eminent developer in 2007 in Noginsk. Is a preliminary contract of sale and the buyer makes a full price only very complicated scheme: Seller apartments under the preliminary agreement is a single legal entity (LLC-1), an eminent developer is just an agent (LLC-2), ie, the mediator, and payment of the cost of this Apartments made on account of a third entity (LLC-3). Thus, the price of new construction is out of commission the eminent builder, paid on his account, and direct cost of an apartment, paid on a / c OOO-3. Communication between all these firms and the base of cooperation likely backed by some contracts, but we do not know and probably will never know, but oh well! We also have an agreement on replacing the parties in the contract and according to him all legitimate. It is clear that, for sure, all three of our company are part of the same company and designed to overcome the tax burden, so to say "drive money to the accounts." But in the case of any differences between the legal person may have many problems to the buyer and the end of course will not prove as receiving money from a company-LLC-3 in its entirety will probably not possible or payment will be not complete. At worst, the consequences are that the sale agreement may be terminated by the court, and an intricate scheme of buying the property would deprive the evidence. Frankly, I think that ill-fated mistress Apartments advised to get rid of it, from here, and nervous behavior, and the haste, and the denial, accompanied by the Moscow Realtors.

After analyzing all of this, I rang Helen and said he would not recommend buying this apartment, and briefly explain why. She paid the analyst and bought a completely different apartment in our agency with a blank document and appropriate vendors, who have nothing to hide. Here's a story. It can happen to anyone who thinks he's smarter than everyone else, those of civilized people around the world who seek qualified help to specialized firms. Especially when it comes to housing! copyright LPI

Real Estate Transactions

Another important issue related to real estate is a recognition of the real estate transaction invalid. Transactions with real estate may be invalidated in the following cases: Transaction is incapable .Soglasno articles 32 and 33 of the Civil Code recognizes incapable citizens, limited in capability by the court due to abuse of alcohol or drug placed under guardianship. Guardians of the law are the representatives of the Trust and perform on their behalf and on their behalf all necessary transactions. The trustees agree to commit those transactions that citizens who are under guardianship, shall not perform alone, in particular, any transaction with the property: sell, give, devise, exchange, buy it. On the basis of Art.

37 Civil Code guardian, trustee, their spouses and close relatives shall not perform any transactions with a ward, and no right to represent it in transactions or in the conduct of litigation. Article 43 of the Fundamentals of Russian legislation on notaries found: 'If it turns out the certificate transactions capacity of citizens and to verify the legal capacity of legal persons involved in the transactions. In the case of the transaction and the representative checked his credentials. " However, the law says nothing about the law notary appoint expertise and put before an expert a question: can a citizen to understand the nature committed by his actions and understands the legal consequences of the transaction, since the sale, will, exchange, donation of housing can significantly worsen the situation of the citizen, and that becomes the cause of the professional situation in the housing market.

Turkey “Happy Land”

“Happy Land” is a regular project of Kadriye Inshaat. Property in Turkey, and the company Kadriye Insaat – inseparable. The Company enters into an association of companies Ekshioglu Ek-Yapi, which has for several years has established itself as a reliable developer. On account of “Personnel Insaat has erected more than 1000 homes in Turkey, including Istanbul and . Property in Turkey, built “Frame Insaat – a guarantee of quality and reliability.

Just reliability and responsibility to make “Personnel Insaat good partner, including for real estate agencies in Turkey, in particular for” Emlak Estate. Experts “Emlak Estate already visited the presentation of the new project. The new project “Happy Land” (“Happy Land”) is a complex of 172 villas located in Kadriye, not far from Belek. Property in Turkey, built on such a wonderful place, perfect for the holiday vacation and accommodation, as well as for rental housing. Only 28 miles separate set of “Happy Land” from the airport of , Belek and the center – only 1.5 km. In the vicinity of stretched five golf courses, in addition to eight more being built, taking into account how quickly the growing interest in Belek is known as an international golf course. Real estate in Turkey involves thought-out infrastructure.

During the construction of “Personnel Insaat trying to provide any desire for future owners of villas: for their swimming pools, shops, tennis courts, volleyball and basketball courts, security. Property in Turkey, united in a complex style of golf course – this was not yet! Style golf course creates a special atmosphere – a vast lawn, which lie under the azure sky, sparkling in the ponds under the bright sun rays of small fish This is reminiscent of a paradise, painted by professional artists. In the role of a master, creating a new set, new real estate in Turkey, is a company “Personnel Inshaat. One of the agencies with which you can buy and a property in Turkey – agency Emlak Estate. The acquisition of houses or other real estate in Turkey, “Emlak Estate” – it is not only convenient and pleasant, but profitable, because agency does not take commissions. When purchasing property in Turkey share of the costs associated with the flight and a stop during a study tour, is sure to be compensated. “Happy Land” or “Happy Land” is waiting its inhabitants!

Property Prices

According to data obtained from studies with fotocasa.es business school IESE, falling house prices in Spain was 4% compared to May 2009. Minor changes in prices for Spanish property (as an aside increase or to decrease) observed in recent years, show a decrease in the rate of decline in housing prices. Compared with April 2010, the value of the property in May decreased by 0.5%. The most critical prices – in San Sebastian Huelva and according to analysis conducted by fotocasa.es there is a difference between property prices in Madrid, where prices are highest, and in the Spanish province where the minimum price. To be precise, this a difference of up to 3700 euros per square meter. Thus, buying a home in San Sebastian (the most expensive city in Spain) with an average cost of housing 5553 / m2 will cost you at 209% more expensive than the cheapest home in this respect in the city – Huelva, where the average price of property is 1794 / m2. Consequently, in San Sebastian to live three times more expensive than in Huelva.

On the other hand, according to research from Asturias and the Balearic Islands – the only stand-alone community in Spain, where in May 2010 was recorded an increase in housing prices. The Balearic Islands a price increase of 2.4% compared to May of 2009 interrupted the 33-month period during which prices have steadily dropped, and was the highest since July 2007. In Asturias, on the contrary, the third month an increase in property prices in May, as it stood at 3.8%, the highest since August 2007. In turn, the Basque Country, Madrid and Catalonia among all the autonomous communities of Spain are in positions of leadership in value of real estate, while the lowest property prices recorded in Extremadura, Castilla-La Mancha and Murcia. Thus, the average the price of a house of 80 m2 in Spain ranges from 303 040 euro (Basque Country) to 134 560 EUR (Extremadura). In the north of Spain, the most expensive housing according to a study of ten centers fotocasa.es autonomous communities of Spain, where fixed the highest real estate prices, eight are located in the north. Thus, according to the company "Gulf Stream" and specialists Site the most expensive of all the provinces of the center of San Sebastian is the average cost of 5553 / m2.

This is followed by Barcelona (4174 / m2), Bilbao (3929 / m2), Madrid (3606 / m2), Vitoria (3163 / m2), Pamplona (3047 / m2), Santander ( 3006 / m2), Cadiz (2953 / m2), Girona (2877 / m2) and A Coruna (2809 / m2). On the other hand, the ten provincial capitals, where most low-income housing, leading the coastal city of Huelva, where the price of housing starts from 1794 / m2. It is followed by Lleida (1841 / m2), Caceres (1841 / m2), Murcia (1892 / m2), Castellon de la Plana (1951 / m2), Ciudad Real (1956 / m2), Alicante (1962 / m2), Zamora (1966 / m2), Ourense (1975 / m2) and Jaen (2015 / m2). Source: Nedvzhimost in Spain

Property Complex

Increased demand leads to rising prices. 2. Usefulness. Usefulness is the ability of goods (services) or of property satisfy certain human needs. More than capable of meeting the needs of a given thing, the greater the demand for it.

Rising utility usually is accompanied by: an increase in prices. 3. Deficit. Despite in high demand and high utility, no property will have value as long as there is no deficit. 4. -Ability to transfer property rights.

Any thing just becomes a commodity (and, accordingly, acquires value) when there is the possibility of transferring ownership of it. Due to various needs and functions in practice, the appraiser uses the following basic types of value. Grounded market value – the price is typical for this type of property in a competitive and open market. Involves free-ing competition, when both the buyer and seller are rational and cost-conscious, having necessary information and not feeling any external constraints in the transaction. Read more here: Elie Rieder. This value is used in cases related to the alienation and transfer of ownership. Normative calculated value – the value Property Complex, calculated on the basis of the relevant authorities approved methods and standards. The application uses union scale ratios (rates, ratios, unit prices) for considered types of property complexes. An example of the regulatory cost is calculated the taxable value of property companies. The tax base for – calculating tax on the assets of the company is the average annual net book-value of fixed assets, intangible assets, inventories and costs. To calculate the cost of supply included taxation, taken recorded in the balance sheet asset balances respective accounts, property company accounting.

Foreign Direct Investment

Contents: 1.Rezyume article 2.Opredelenie legal status of foreign citizens in the Republic of Turkey Republic of Turkey 2.1.Konstitutsiya 2.2.Grazhdansky Code of the Republic of Turkey Republic of Turkey 2.3.Zakon "On Foreign Direct Investment "2.4.Zakon Turkish Republic" On encouraging tourism "2.5.Zakon Turkish Republic" On the condominium "2.6.Zakon Turkish Republic" On Mineral Resources "3.Printsip reciprocity 3.1.Isklyucheniya in reciprocity 4.Zakonnye limitations and compliance with laws and 5.Turetskoe citizens of the Russian Federation with the principle of reciprocity 5.1.Opredelyaemsya 5.2.Opredelyaemsya security issues 5.3.Investitsii in the tourism sector 5.4.Pravo ownership of buildings and land ownership 5.5.Pravo 5.6.Peredacha 5.7.Nasledovanie ownership of real estate law 5.8.Ogranichennoe ownership of the property 6.Registratsiya rights to real estate 6.1.Dokumenty required individuals to register property Conclusions and recommendations 1.Rezyume article: Countries come together boundaries become notional, Europe will soon become one big country, the first steps – the organization of the European Parliament and the introduction of the single European currency – have been made. In this regard, relevant legal issues are regulation of national legislation on the purchase of real estate by foreign nationals. Turkey has long been a candidate for membership of a united Europe and, I hope it will soon become a full participant. More and more Russian citizens rests on the Turkish resorts, many businessmen have an interest in the Turkish economy, Russian investments have long and fruitful work in Turkey. Trade and social relations between our two countries flourish, especially in the tourism and energy sectors. To date, several thousand Russians already have a property in Antalya, Istanbul, Izmir and other cities Turkey, a number of people willing to buy a property in the tens of thousands.