The solution of tasks of life is sometimes more complicated arithmetic of a school textbook. Easily deal with them except that prepared person. Once a financial consultant and can help cut the Gordian knot tied up with material necessities of life. He is well versed in the distribution of personal finance, knows where to invest money, and most importantly – for what purpose and when it is more convenient to use financial tools. And it is – a strategy of personal well-being. To desire is not turned into a candy-floss, and put into practice, it is important to properly manage personal finances. This is easily done with the help of financial advisors of The Alchemy of Finance. Of course, digging on the Internet, you can try yourself to answer your financial questions. But how can you be at the same time sure that the proper financial analysis of the literate, correctly assessed the risks properly composed structure of its investment portfolio, selected the right tools for investing and personal finance will not only preserved, but multiplied? Hardly succeed without special knowledge to choose wisely insurance company or to evaluate the effectiveness of investments in real estate or land, which is also a tool for investment and not simply the acquisition. Financial Advisors The Alchemy of Finance "is not just give advice where to invest money, recommend a particular financial instrument, and will help to develop individual investment strategies, to form an investment portfolio that will make a financial plan to address "Money" is vitally important task. "A wise man once said:" The more time we spend on planning, the more free time we have a "- says the financial adviser to Alija . – This fully applies to personal finance. Financial planning – is, by and large, planning is not money, but life! "" Why waste time on something that you can make money for others? "- Said the first U.S. president Abraham Lincoln, eagerly using the services of special education money business financial consultants, as for the prosperity of his country and for their own benefit. And as time has shown, not for nothing that he did it.
Banks and other lending institutions in the United Arab Emirates are becoming more flexible with customers experiencing financial difficulties. because the number of outstanding mortgages in the country, will likely continue to increase because of the growing number of people unable to pay its debts. Some people just bring and give us the keys to their apartments before leaving the country. “- says an international consultant on mortgage lending an independent consulting company Sherwoods Independent Property Consultants Louise Buff (Luisa Baffa), -, however, must recognize that some uae banks are trying to make concessions to their clients, modify and extend the payment schedule to allow creditors to recover their financial position. ” Banks are definitely becoming more tolerant of their klientam. general manager of real estate advisory firm The Specialists Sobhi Agha (Sobhi Agha), – If they would continue to continue to take a tough stance, it would lose customers who were forced to just throwing their debts and flee, so they have to learn to maneuver and flexibility, adapting and getting used to the problems of customers and their requests. ” According to the Dubai mortgage operator Amlak Finance, in 2009 he captures a greater number of unpaid loans than in 2008 and expects that number to continue to increase in 2010. Mortgage market in Dubai is estimated at present to 20 billion dirhams (5.4 billion dollars USA), which was 5.4 billion dirhams (1.4 billion U.S. dollars) more than it was in 2007. “In these uncertain times of global economic crisis would be surprising if the number of defaulters in the uae would remain the same. Country experiencing the same difficulties as all other countries in the world “- says head of department of real estate at dla Piper Middle East O’Gredi Tom (Tom O’Grady). In addition to the usual semi-annual deferral of payment, already prevalent in banks, Some of them have begun to offer investors smaller apartments to replace those that have been chosen by them before the crisis. The number of banks included First Gulf Bank, Abu Dhabi Commercial Bank and Emirates nbd. “It is clear that when the financial difficulties and the creditor and the bank must attempt to mutually resolve them in a friendly and peaceful manner. “- says O’Gredi -” We work with many banks and owners and investors / buyers who are in similar situations, and helping them find solutions to problems that may be expressed either in the revision and postponement of payments or restructuring debt payments. In general, do everything possible to avoid litigation or deprivation debtors’ rights to property “. Due to the absence of a universal mortgage legislation situation resolve disputes related to non-payment, the uae is different. Recall that in 2008 in Dubai was Act on the mortgage, which defines the procedures and requirements for the deprivation of the debtor’s right of redemption and the possibility of selling the property at auction. In other emirates, where currently no There are no laws on the mortgage, subject to the provisions of the Civil Code of the United Arab Emirates. Nevertheless, even in the existing law there is no specific article on the basis of which banks or other financial institutions would have the right to take property. In all cases, to return property or transfer the rights to it to court, this material has been prepared _ .Ru.
According to Stella Brody, it includes, first and foremost, the protection of income. This is a kind of foundation – a foundation of confidence of the family, followed by a solution to housing, planning, retirement savings, the creation of financial chute in case, for example, something is broken and require unforeseen expenditure of funds, it is about 2-4 in wages, followed by providing financial support for children and only in the last formation of the investment capital of the family. In a personal financial plan considers all revenues and expenses of the family, the existing financial products and those that the client can afford to buy, calculate how much it will lose on this. This is necessary in order to the client clearly understood that month happens to his family budget. But this is only the first part of personal financial plan, the second includes a description of three scenarios CashFlow – your future financial situation of the moment retirement. “We aim to ensure that the personal financial adviser has become a family counselor to help correctly assess the financial situation and to distribute the funds, taking into account all the risks and benefits by choosing the most effective financial tools “- explains Stella Brody. After a personal relationship with a financial advisor can not look at their financial situation the same eyes, and my practice of using these services can not be confined only to the distribution of funded part of pensions. Issues relating to the financial aspect of my life, there are everywhere, and they require a permanent solution in accordance with my plans. Possible, while only a small number of Russians willing to plan your entire family budget with the involvement of third parties. This financial culture only to stage Accommodation in Russia. But it is already clear that personal financial adviser can help the client to calculate its debt load, significantly reducing the risk of contact with the collectors in the future through proper planning and understanding of the credit load According to Family Income and Expenditure. Valentin Fomin.
Yes, the same operational personnel, to pick up and keep that pretty hard. Asset management companies also have shown interest, but there's not so simple. To implement the system automation, cc should organize a meeting of residents. And here it is necessary to inform each owner, which you need automation, it will give them. – With commercial sites – is understandable. They are profitable, they're interested. With the secondary housing market – the same as the owners themselves must decide. And housing? There, automation is being introduced? – Let's repel from the experience. Take, for example, one of the last of our clients – the builder builds a house nine-dvuhpodezdny, that is still quite large. The nodes into account everything – records of hot water, cold accounting, accounting heating. Automation – nothing. True, they laid the dispatching system, that is like to monitor all the parameters, but until it was implemented. – Do you mean new buildings, mostly leased without automation, why? – Builders are not directly affected. They can do it, can not do. If the construction company plans to continue to operate the building automation, as a rule, think. – It always comes back to the price issue? – No. On average, automation costs from 150 to 400 thousand rubles – for high-rise building is a negligible amount. We have reason started installing metering? Because it appeared that such a requirement for developers. Automation is not. That is, energy conservation encounter, including the problems of the regulatory framework. – And from the standpoint of ordinary user? After all, everyone has long understood that the metering of heat, water saves. What prevents this? – People have always paid a design load, and not on actual consumption of energy. On this were based contracts for heating. Counters were not, therefore, consumption was divided by the square. Began to install the counters began to pay for consumed energy. But in our buildings have common areas and here the problems begin. There is a misunderstanding: Why should I pay for the consumption of a stairwell? Such moments should be regulated at the legislative level. We have in this regard, while the gaps. But most importantly, it certainly is – the very system of heating, which is mounted in homes. In our homes, as such, two-pipe system, and to make door-to-door registration required records on each radiator. One device (the inlet manifold) is established at the so-called beam system heating. But such systems have appeared only recently – about five years ago. Installation of meters in an apartment with two-pipe system is very expensive, it's just not profitable. – Despite this, the base rate until done namely the installation of meters and metering units. – Yes, although the installation of metering – one of the additional measures, the real saving is automation. Only its active implementation will start the second large-scale energy savings, shortages and costs which have severely affected economic development.