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A friend of mine, a successful Internet entrepreneur, earning the network from three to five thousand dollars per month. He buys expensive clothes, cars, sorites money right and left All that he earns the web, he immediately dissipate the same in real life. Another friend of mine – a humble office worker. Hear other arguments on the topic with Attorney General. His monthly salary is rarely passes for a thousand and a half dollars. However, whatever happens, he regularly allocates its earnings to 10% (Something around $ 100) and puts them in these or other financial assets, according to my recommendations.

The first – had to spend at the computer 12-14 hours a day. As a rule – no weekends and holidays. Money had become for him an end in itself, but at the same time, he did not know how to manage your money. All that he earns, he immediately spends. The second – working, not really straining. That hundred bucks, which he lays out his monthly salary, absolutely no effect on his quality of life. He seemed not to notice this little monthly "loss". First – in order to continue to live as a living now, the rest of his life will have to work hard so the same 12-14 hours a day, seven days a week and holidays. And if you do not bring the Lord, he would suddenly lose his business, he suddenly becomes a beggar! Second – to his thirty-five years (now about twenty-guy) will be a dollar Millionaire, will once and for all to leave your job in the office and in the prime of life will live happily give in the form of interest on their capital of $ 10.000 per month and up! The funny thing is that the first – could achieve the same itself, but much faster! Already after 7-8 years he could put together a million, and instead of hanging around for days in front of the monitor began to receive twice as much as earning now, not hitting at the same finger! Millionaires are not the ones on whom had fallen unexpectedly large inheritance or a big win. These "lucky" as a rule, very quickly lose that threw them fate.

The Benefits of European Currency

Currency Market Analysis The euro fluctuated within a narrow range without making significant technical movements. Thus the European currency did not meet the objectives proposed in the 1.5144. The euro however, was under pressure and that is why the area of the 1.5072 support level present a significant short-term for today, but we are inclined towards the 1.4972 target of the day. And if it breaks that area could test the 1.4937 level of the second where the 61.8% Fibonacci level. Dennis Lockhart: the source for more info. However, short-term resistance level is at the 1.5143 area, and only if it breaks that could test the 1.5200 area. Support: 1.5072: trend line. 1.4972 : 50% Fibonacci level.

1.4937: 61.8% Fibonacci level. Resistance: 1.5143 Maximum of 25 November. 1.5200: Resistance of 2008. 1.5260: Resistance of 2008. Pound per pound broke the resistance level of 1.6608 and reached 1.6673 in the proposed target. What’s remarkable about the last 24 hours was the breakdown of the downward trend line 4 hour chart. This significantly improves the technical perspectives. Keep in mind that if it breaks the 1.6726 area may be reaching the 1.6795 and then 1.6844 resistance level which involves a key in the medium term. However, the level of short term support at 1.6677 is, and if it breaks the 1.6677 area may be testing the 1.6600 and 1.6537. Support: 1.6677: trend line. 1.6600: Break trend in the 4 hour chart. 1.6537: 50% Fibonacci level. Peter Asaro will not settle for partial explanations. Resistance: 1.6728: Resistance of last week. 1.6795: maximum of 11 November. 1.6844: Maximum of 18 November. Dollar Yen Instead of falling 100 pips from the level of resistance of 87.50, the dollar-yen once again managed to move and was close to 88 during this morning. If the pair manages to break the 88.18 area could test the bottom of the channel. This area is the key resistance level of the day in 88.18. And if that zone is broken may be testing the 88.58 and then 89.17. The level of support found in 87.29 and if the pair breaks this area will continue a downward correction and could test the 86.72 and then 86.28. Japan’s government may not allow the yen appreciated, and we should carefully follow the Japanese event. Support: 87.29: rising trend line. 86.72: Maximum of the previous week. 86.28: Minimum of last week. Resistance: 88.18: 61.8% Fibonacci level. 88.72: Lower Level of the alleged training. 89.17: Top of the alleged training. Change Analysis currency by: For expros.es Munther involving Marji Disclaimer: The operations of futures, options and Forex carries a significant associated risk and may not be suitable for all investors. Should consider carefully whether your particular situation before you have the knowledge, experience and resources necessary to operate in these markets. You can lose all the capital invested, or that their losses exceed the funds originally deposited. The advice, opinions and recommendations are subject to change constantly.

Small Businesses

In dramatic increase in prices and sales volumes of hydrocarbons, billions of loans that receive at banks around the world our raw materials companies, the financing of small and medium-sized enterprises make their first, tentative steps. Yet it is precisely this market segment could be very promising both for banks and for borrowers to changes in market conditions for the non-renewable natural resources. On the possibility of such a (rezkogo!) changes from year to year, says the Government for any bank in the main lending to small and medium-sized businesses – the transparency of small companies. The "whiter" reporting company, the lower the risks for banks and the they are more willing to lend to those who lead a "civilized" business. As in the conduct of "civilized" business these days the entrepreneur negotiates with the tax and other "funds and fondikami" – This is a great mystery there. But banks to give credit, need full transparency of the business. Most banks offer several types of credit products for small and medium-sized businesses: they are all characterized by typical loan amount, timing consideration, collateral (which may be optional) and ways to assess bank risk (scoring system or the individual approach). If the bank is not specifically involved in lending to small and medium-sized businesses in the "The bank's portfolio of loans to small businesses are usually about 17%. A decision on a loan taken for three to four days. In this scoring assessment only applies to small loans (up to 3-4 million rubles).

Investing In Property In Cyprus

Taking into account such factors as the level of foreign investment climate, the ratings on the Internet, the data show that in 2008 in Cyprus can expect a 20% increase. You can expect the growth of tourism – it's good news for investors who go to the real estate market. Sizes of rental income, made Cyprus a popular place for investment. Cyprus – an eu member and accession to the eu has already contributed to rising real estate prices. Cyprus combines the best Quality – 320 sunny days per year, beaches, infrastructure, banking system and low crime rate. Rules for acquiring property in Cyprus. Now citizens and other foreigners have the right to buy property without restrictions. Lifted restrictions on the size of land.

The procedure of purchase is simple. The entire process can take an English speech. The procedure is as follows: you pay a 4000 euro reserves. After making allowance property withdrawn from sale. At your choice, buying property can be engaged or lawyer or company-builder. Lawyer paid by the buyer on their own.

You make the down payment and sign the contract. More must obtain confirmation from the Department of landholdings. This document will be issued after verification of property titles. After receiving confirmation of the Department, you should open a bank account. To do this you must apply to the bank and get permission to open an account. In the next step should be to pay the stamp duty for the legalization of property. If you pay for an object by yourself, then you are making a Developer installments on the expiry of the construction. Issued permit is a small and a formal procedure. It will cost 360 euros per contract. Three years later, you will be issued a certificate of ownership. In this case you pay a registration fee for a permanent certificate. A foreigner to get a loan in Cyprus is easy. Loans are granted under the approximately 6% per annum. To obtain a loan, the necessary documents: Photocopy the applicant's passport. Help on the balance of the account. Information about the property. Proof of income of the applicant. A copy of the payment order by the first payment. Payment of loans can be sold for several schemes: Scheme 1. The first 5 years interest only monthly payment for a loan. Scheme 2. Monthly payment of interest only. The loan amount is paid in a free manner. Scheme 3. Payment of the loan begins next month, with grace period for two years. Expenses of sale: attorney's fees – 1% of the site. Stamp duty – a one-time fee – 0.15%. Registration Fee (Title Deeds) – paid a lump sum – 3% – 8%.

Property Insurance

Mutual insurance has been particularly well developed in ancient Rome. It was used by various corporations and boards, uniting its members on the basis of socio-economic, religious, domestic and personal interests (for example, legionnaires, gladiators, the Charioteer, etc.). The main objectives of such insurance have been providing to its members decent burial (installation of the monument, the organization of the funeral procession), material support in the event of injury, disease, and so on. Participants in these organizations pay the corresponding lump-sum, and then monthly premium. Form of mutual insurance companies existed in the Middle Ages. Medieval insurance is commonly referred to -tseho-vym. The first guild merchants and artisans originated in England (IX-XI centuries). And then in Germany (XI-XII cc.) and Denmark (XII century) Damages or benefits are made from the general Guild or obschetsehovoy cash or by subsequent layouts among its members.

Mutual Aid Organisation in the guilds, and shops are gradually being more definite shape. During this period there was a division of insurance for personal and property. Private insurance in the guild provides for payment of benefits in the event of death, illness and disability. Property Insurance implied damages arising from natural disasters such as flood, fire, shipwreck, loss of livestock, as well as losses from theft and looting. In the same period, specify the size of insurance contributions and insurance payments, determined the list of insurance cases in which these payments were made, and other special insurance case, which gave the right to receive additional aid, it was ruined member of the guild for whatever reason.

Negotiating From Strength

What makes us more relaxed during a negotiation? We do not have loose threads, that the analysis has been thorough, honest and objective, presented us with a dispassionate, positive attitude, wanting to win and win with us. Every moment of a negotiation is a source of self-knowledge and wisdom. That inner peace will manifest in our nonverbal language all the positive things we have inside. You can not easily control what you do not feel and if we try in these circumstances, manifest contradictory body language and easy to detect by an expert and Believe me, we always have before us an expert. The more positive nonverbal language is reflected when the position of the trunk inclined forward, smile, we move firmly, “slowly”, without any nervous ticks and nodded when we listen to our interlocutor making and know that you hear , understand and comprehend.

UK @ W: Any tips for closing a deal? JMR: Do not leave the negotiating environment to the other party if you have the slightest doubt that it gets the best possible option, even if your choice is a little less important to make him see that the most important is that he wins and you can continue to collaborate in the future. There’s always a next time and everything we sow we pick you up sooner rather than later. It is also advisable to praise the skill and effort of the other party to the achievement of the agreement. K @ W: What are pressure tactics in negotiations and how they can influence each? JMR: There are many pressure tactics in every trade and you can drill them in our book but remember, only going to pay off short-term and can quickly return against you.

Getting Through the Job Interview

I recently went to a farewell party with my husband for one of his coworkers. I have worked in this same place six years ago (which is where I met my husband, but that’s another story), so I knew that most people in the party. A person who does not know (I’ll call Jill but that’s not his real name) was talking about how bored you are at your current job. She has been with the agency about three months and is doing administrative work. “I’m way overqualified for this position,” he said. “I used to be an office manager. I just took this job because I have said this agency was a good place to work. I know I can get something better.” Jill told me he thought applying for a new opening in the same agency – a little better-paying administrative position.

That position became vacant recently when Secretary of retirees. It has been occupied by a storm for about three weeks. “I know I’m more qualified than the temp!” Jill. “If she hired instead of me, I will file a complaint! “If she had not gone quickly, I have some advice. If you have ever had the same attitude as Jill, perhaps you can use this advice.

First, a employer is under no obligation to hire the most qualified candidates. They can hire less qualified candidates, while the candidate meets the minimum requirements set out in the notice of position. Second, employers are people, and hire people who like and want to work. While there is no discrimination on grounds of race, religion, color, national origin, marital status, age, gender, sexual orientation or physical or mental disability, employers can legally hire whomever they want. The fact of the matter is that a candidate is not hired based solely on their qualifications. A candidate is hired because he convinces the director of human resources that can do the job and be positive, enthusiastic, pleasant to work with team members. Someone who is blabbing to foreign colleagues (and) that she will file a complaint if you get a job is unlikely that the draft law to adapt. If you are thinking of applying for a promotion at your current company, keep in mind that most of your experience, skills and competence will be judged. What is your reputation? If you are a dedicated team player, aexcelente! But if you are a complainant that his current boss and coworkers do not miss, you have a job to repair the reputation of doing first!