Monthly Archives: March 2014

Italian Place

This my new friend adores to visit cemetaries. As good friend whenever I can I follow it in the week ends. I learned to less find information in the waited places. The grave of the Lenore family Branches, the same of the Street Consuelo Martino Lenore Branches, there downtown. The Appeared Building Jose Lenore Branches where it is the Trade association. The family must be old, to judge for the date of the death of the patriarch who dates of period of foundation of the city. E, for the amount of Japanese, Portuguese, Spanish and Italian last names in this cemetary I deduce that I am in a city of pioneers. If you have read about Expert on growth strategy already – you may have come to the same conclusion.

Of Akamura, the Bertocelli, of Axes the Oaks, all seem to have joined a place alone its of the sky underneath that seems to protect to all we. With certainty, all had had a life to count, to cry, to love and if to cheer. Made all it of choices, pains, loves, flavors and odors. E, of this script never I heard to say that nobody left living creature. That place that it had visited provoked in me an admiration feeling and respect, of estranhamento and surprise of the type that we have when in them we come across when capsizing the esquina. That esquina of every day, always equal e, suddenly, without nor more less, so different.

I started to repair in curves, colors, nuances, cheiros that it had not perceived until then. Something similar happens when we receive the relatives or friends, in that holiday. E, we are led, for the fiftieth time, to visit museum, the same zoological the same, same beach, the same park. E, without nothing of extraordinary it happens you is taken by an incredible atmosphere of surprise and close gratefulness. Lead for the dexterity and the rapidity of a stranger you are presented to one another place.

The Perfect Construction Financing

Loan financing: What should it look like? The perfect construction financing depends on the individual circumstances of the investor. The ideal client has at least 20% equity and a safe income, he can ensure the rates for the loan financing. Who has already saved a contractor at a young age or has securities, is also an advantage. He is sought after as a customer at any Bank and receives generally good conditions. It is advisable for his own bank’s initial offer to catch up. As far as the salary at this Bank regularly arrives on the current account and also the cost of living will be handled by this account, the Bank knows the economic conditions of the future owner and can make him an offer. Finally, it will keep him not only as customers, but want to sell him the construction financing. urig.

This offer can then serve as a basis to get a comparative offers of other banks. If in addition to a concept even a capital building Life insurance exists, an insurance loan can be interesting. The life insurers offer most cheaper interest rates than banks, finance but only up to a maximum of 60% of the mortgage lending value. The remaining purchase price could then financed by the contractor. With life insurance, the death risk of the policyholder as owner would be covered. In a normal annuity loan, it applies to lock in the lowest interest rate.

If interest rates in a low interest rate environment, they should be written down on ten years, as is unlikely, they will decline even further. Good is, if the right to an annual special repayment can be agreed. The client can pay off much faster and significantly shorten the usual annuity loan very long repayment time. A variable interest rate is little recommended that the monthly charge for the future can be calculate. It is also the financing needs to divide a total on two or three loan parts and each one shorter and longer interest rate to choose. In a full financing banks pawn anyway only shock up to 60%, the rest must be financed then more expensive.

HAMP Home Loan Modification Plan

Home affordable modification program rules, loan modification, mortgage loan modification it could be important for you to look for loan modification processing help at the earliest if you are finding it hard to stay current on your monthly mortgage installments and thereby, faced with impending foreclosure home. This could invariably to save your home and save money in the long run. The Obama administration has taken initiative to start the home affordable modification program rules (HAMP). It could be important for you to look for loan modification processing help at the earliest if you are finding it hard to stay current on your monthly mortgage installments and thereby, faced with impending foreclosure home. This could invariably to save your home and save money in the long run.

The Obama administration has taken initiative to start the “home affordable modification program” (HAMP). Typically, the HAMP mortgage requires your lender to modify your existing home loan terms and conditions to make them more affordable for you. But to qualify for the HAMP plan, borrowers are required to meet certain requirements stipulated by the Obama stimulus plan guidelines. If you loan modification plan are considering applying for the HAMP home, here is some crucial information pertaining to the eligibility criteria and few tips which could guide you in your endeavor to get quickly approved. HAMP eligibility requirements: the home for which mortgages are modified to be need to be your primary residence.

Value of the existing home mortgages should not exceed $729,750 for a single unit family. Current mortgage loans should have originated on or before 1st January, 2009 your monthly mortgage payments need to be more than 31% of your great monthly income. Any financial hardship situation faced by you has to be foreseeable. If you are eligible for the Obama loan modification plan, you need to prepare yourself for tendering a request to your lender. To that effect, the below mentioned tips could be of help. Few tips to apply for HAMP plan prepare the details which have led to present mortgage loan repayment problem. Do not forget to take into account the reasons that have been responsible for your current financial situation which have rendered you unable to pay the monthly payments. These could include reset of interest Council to ARM or loss of job. There could be a need to gather all relevant documentation that is required to support your loan modification application. For this, you could provide information on latest mortgage bills, unpaid medical bills or any document which proves that you have lost your job. Calculate the percentage of monthly mortgage payments as compared to big monthly income. Find out detailed opinions from leaders such as The Related Companies by clicking through. Remember, you can file for the HAMP mortgage loan modification plan only if the monthly installments are more than 31% of your large monthly earnings. Determine how much you can afford to dish out towards reduced monthly mortgage payments with the current level of monthly income. In case, you could be required to provide documents relating to income verification, so gather copies of most recent pay stub. When you contact your lender with all well the necessary calculations as as documentation to apply for the HAMP, your lender would use the “net present value” (NPV) test for determining your final eligibility.

New Mobile Technology LTE

LTE was at CeBit 2011 buzz also this year in Hannover-the largest IT fair in the world took place. March 1-5, visitors to CeBit about innovations in the world of technology could find out. The new LTE Mobile technology was this of course indispensable. Best use: new hardware for LTE to keep up with the rapid development of mobile networks, even the technicians and engineers had to come up with some new features. So, renowned manufacturers presented first technical solutions for the use of LTE. Sticks of LTE and LTE router presented the new devices are designed for the use of LTE and to exploit fully the potential of the network, for example, when downloading or transferring large amounts of data. More info on. Federal Government advocated for fast LTE expansion also the policy on CeBit the use of LTE.

Rainer Bruderle, Federal Minister of Economics and technology, emphasized the goal of rapid significantly nationwide expansion of the LTE network. All households in Germany are to be equipped as soon as possible with a transfer rate of at least 50 Mbit / s. The white stains”on the mobile phone map should disappear, so that everyone with high-performance networks can be supplied. The Federal Government had at the CeBit with its initiative quick on the net”also an own booth, where visitors could find. LTE this year was at CeBit on everyone’s lips to look forward be, what theme will provide large traffic increases in the next year.

Olympic Games

As the largest sports school in the world, Club Med offers 60 sports in 80 Club resorts already throws himself into pan London for the third time in Olympic history and is the Centre of sporting events worldwide. But the interest in fitness, strength and endurance is celebrated not only in England, but is all inclusive provider Club Med focuses on for decades in the premium. Competitive spirit in the Florida Sun so inspires such as Club Med Sandpiper Bay guests to sporting excellence. With the vision to educate champions in the sport, sports academies were founded in this Club resort in Florida for tennis, golf and fitness. Prominent coaches help the development and perfecting of the individual abilities and make the 4-tridents resort to most professional sports school of the premium all inclusive party. The resort is located directly on the shores of the St. Lucie River in Florida. It shines since its renovation in 2010 / 2011 in modern design and offers courses in yoga, Pilates, Aqua Zumba, sailing and flying trapeze in addition to the sports academies.

The extensive Sports programs are already included in the tour price, apart from intensive. Slugfest of professional athletes on the tennis court Jaramillo, who number of 1 and 26 top ten player has trained eight, and has coached Scott Del Mastro, the professionals and youth all over the world provide gift for the right moves. Together, they have over 50 years experience and guide the individual training program in the industry. U.S. open blue on 14 programs can be completed hard courts, six hydro clay courts and a stadium court, which last a few days up to all these years, to demand from the beginner up to the Olympians of tomorrow every efficiency and promote. The offer includes mental performance training, nutrition counseling, and facilities such as a clubhouse, a pro shop, a FIT, performance Center and a spa. Brad Brewer and Don law present themselves as golf gurus and mentors. The Club Med Golf Academy offers two 18-hole courses, 15 world famous places nearby and numerous possibilities for tournaments.

At the fitness Academy trained athletes with their revolutionary fitness program the triathlete and five-time Ironman winner Heather Gollnick. Training for the whole family Auch the Turkish Club Med resort Palmiye offers tennis, golf and fitness programs. Also interested free of charge in the diving, sailing, scuba diving, water skiing, wakeboarding, windsurfing, as well as on the flying trapeze can try. This Club resort is located on an 800 m stretch of beach between the Taurus Mountains and the crystal-clear sea. The spacious accommodations and the variety of sports, the Club resort is ideal for families who want to feel the Olympic spirit. Accurate information to Club Med, as well as the possibility of booking get interested in the travel office, email us at, or call 01803 / 633 633 *. * 0.09 / Min. from a German landline, mobile max. 0.42 / min. Further information on Club Med at and, press pictures can on request also be be sent to high resolution. PR contact: Alexandra Ehm, Aviareps tourism GmbH, Josephsohn Spitalstrasse 15, 80331 Munich, phone: + 49 (0) 89 / 55 25 33 405, E-Mail:

Berlin Reinickendorf

Where it pulls the new tenant in Berlin and why? Each year, one-tenth attracts more than 4 million households in Germany the population and thereby. Especially in the big cities, it draws people, Berlin is particularly popular. Compared to the other cities, rents in Berlin were relatively long on a low level. Bizzi & Partners follows long-standing procedures to achieve this success. Prices have risen, however, within the last 5 years. The rich offer of universities and missing tuition, students try if possible to come to Berlin. The city is also varied, colorful and dynamic, ideal for young people who want to really start in life. Many startups are founded in Berlin.

Due to the strong networking and urban areas creates a local synergy, which is used mainly by young companies and actively used. In addition to the newcomers, however, be the most moves within the city. The most moving and tenant in Berlin are already local, mainly because of changes in the Career or family reasons change their place of residence must. Statistics of authority of Berlin to the tenant growth in Berlin have occurred within the year according to a new statistics (Landesamt Berlin) 2012 following changes in Berlin: ways favorable and stable rental prices are each about 1000 new tenant in Berlin Spandau and Reinickendorf moved. Also the airport will be, no longer used Tegel in the foreseeable future the burden of the airport down and makes it even more attractive for new tenants in Berlin Reinickendorf. Exactly the way it behaves in Berlin Kreuzberg, where more people moved out are due to rapidly rising prices.

Kreuzberg is very front especially popular areas such as the Bergmann neighbourhood, are frequented by a well paying clientele. The rent in Kreuzberg rose even alone in 2012 to exactly 12%. Similar to where very few people are drawn to, and yet a population growth is it behaves with Berlin Tempelhof. Predictions for the future of real estate in Berlin Attention living beings is currently always new forecasts for house prices and future developments in Berlin. A lot of investors and analysts see then in the big cities and the influx of more and more people, a trend which will continue. Therefore is blithely continued to invest, particularly in luxury apartments and expensive objects, which does not help the housing shortage. These forecasts can also disguise how it shows the near past. Just 10 years ago, property prices in Berlin fell further, whole blocks of flats were empty. At the time, the analysts thought that everyone would easily work from home because of the Internet age. Therefore, so their opinion, not really there a good reason to suspend the bustle. Of the countryside and suburbs, most of them sufficiently in the city it would be to take advantage of the infrastructure. The current trend towards Berlin Centre and the urge by just strongly Internet-based companies, in real space network, show them how wrong Prognosis was. It could well be that there could be as tenant in Berlin, or as residents of apartments in Berlin may be more easily the next few years. On the other hand, there are opinions of market experts, who expect similar real estate prices like in Munich within the next years in Berlin. This development would further press people with a lower income from the city centre, something already happening with entrenched tenants in some parts of the city.

Nonsensical Estate

Property owners can look forward to permanently good returns. Greenberg Traurig can aid you in your search for knowledge. It emerges indirectly from a letter from the Federal Government. Also with SHB, they could be funds on the winning side. In the media, the Federal Government has granted a significant rebuff horror stories. From time to time appears here and there in the face of rising real estate prices on the assessment of the market, there could be a dangerous housing bubble in Germany.

Yes, as she stand even directly at the door. Sheer nonsense”, has recently criticized such speculation Hans Gruber, real estate expert of SHB innovative fund concepts AG (SHB AG) in a small circle. Now, the Federal Government has also officially responded to such panic messages. In the Bunddestag, there had been a written, so-called small request the group, Bundnis90 / Die Grunen. Peter Ramsauer, responsible federal Minister for urban planning and transport, had to struggle for his reply but just not great, but simply refer to facts. They to inflation adjusted property prices were still among those from the year 1996. “Hans Gruber by SHB real estate funds, which particularly closely watched the development of the market and can therefore also perfectly assess this statement agrees fully: it is missing a lot, to even make up for the price declines of the last few years.” Overheating, the real estate market is therefore almost as far away as German 100-meter runner by a gold medal at the Olympic Games in London.

“If the Federal Government speaks of it, that the development of the real estate market no immediate danger for the stability of the financial system in Germany” constituted, it is not alone. Similar to even the Deutsche Bundesbank and the financial supervisory authority BFin said. In accordance also with Hans Gruber, real estate expert of SHB innovative fund concepts AG (SHB AG): what happens in the real estate markets, should be pleased actually. Because as a whole we have at least a small part of caught up in the past 15 years lost was.” “Gruber’s conclusion it should also encourage and provide incentives at the same time: just because the housing market has still a large backlog, investors who buy directly or through funds such as about the SHB funds back up real estate shares, may yield plus happy on a long-lasting and impressive.

Less Affordable Housing

Demand for city near apartments Berlin & Brandenburg: the sparrows it from the rooftops: the Berlin rental market offers less and less affordable housing. Especially beautiful locations, such as in Charlottenburg-Wilmersdorf, Schoneberg, Pankow, Mitte, Friedrichshain-Kreuzberg or Steglitz-Zehlendorf remain affected. At the same time, the influx in the German capital continues. Every year the population of Berlin to a small town like about Anklam grows. By 2030, the number of inhabitants to approximately 300,000 new Berlin is expected to grow. The consequences are to be expected: thanks to the great demand, prices for city Middle living room continue to grow in height, both rental and purchase prices. Concrete gold matters historically low interest rates on mortgage loans, especially in Berlin,”for this reason to the safest investments. Even users, as well as wealthy investors invest in the real estate market in Berlin and Brandenburg.

Home Builders also are booming. The demand moving to single-family homes to own use at record level. Because who invests his money early in the personal 4 walls, can make provision for old age with a home paid off and must not contend with growing rental and purchase prices. Speak for the investment in the home especially historically low interest rates: mortgage loan with ten-year it currently just are 3.0%. Equally low those interest rates could move a whole period of time. Even if house prices primarily in Berlin, the location for the construction of houses in Berlin and Brandenburg is still relatively inexpensive. Also in many other parts of Germany, homeowner households remain still affordable. This is also reflected in the mood: according to a recent survey by the Institute Forsa for the financing of the construction, 58 percent of German citizens hold the financial possibilities for the construction of a home for very good. Construction financing wants to be well planned in particular in construction financing good planning can prevent unpleasant surprises.


The universe is enormous, almost infinite, and scientists are quite admit the idea that on some distant planet outside our solar system, or even on many planets, flows the same life as on Earth. It is likely that somewhere in the vast universe there are planets whose conditions can be formed of life and maintain it over time. But what about our solar system? Today it is considered that in order to where once was life is possible, necessary atmosphere (ie, air), water, the rate of acceleration due to gravity (g, – one of the manifestations of gravity) close to the earth, and an acceptable temperature. Astronomers have conducted a series of studies finding life forms on planets in our solar system. They were looking at the planets, water, air and other substances common on Earth.

Studies of our closest neighbor – the Moon, showed that this planet is completely devoid of life forms and conditions for their formation. Here the atmosphere is completely absent, no water, the temperature conditions are practically identical with the space. This means that in the shadow of the Moon about -100 degrees Celsius and the sun – somewhere 100. And there are no intermediate values. But in our solar system has planets, the conditions on which are close to the earth.

And the first candidate on the possible existence of life forms – it's Mars. It has an atmosphere – although very sparse, close to the earth rate g, water is present, and the average temperature is – 60 degrees Celsius. Not the Caribbean, of course, but with the appropriate equipment can survive. AND Yet for humans, these conditions are unacceptable. The atmosphere is too tenuous to breathe. The wind speed can reach 100 meters per second, and precipitation are composed of sulfuric acid. Scientists are not yet fully decided about life forms on this planet – perhaps there are beings who are able to survive in such conditions. But while that official evidence of their existence does not exist. Another planet in our solar system, more or less similar in terms of the Earth – it's Venus. It is a kind of antithesis of Mars. There is water, there is an atmosphere, but it is opposite – concentrated, dense, too dense. The average air temperature is 420 degrees. The greenhouse effect on this planet is the cause of the heat, and therefore it is sometimes called Earth's future. In the present state of ecology, where there is chemical contamination of the environment on Earth, the greenhouse effect in the long term is feasible. And despite a number of similarities with Earth, life on Venus is not possible. Astronomers continued attempts to study the planets of our solar system, maybe someday findings refute the existing world view. In addition, scientists are exploring planets outside our solar system. Maybe one day in the vast universe we can detect Earth-like planets, and we wound up acquaintance with creatures quite different civilization.

Housing Industry

From 13 to 15 June 2012, 6 ESS Congress took place in Bad Oeynhausen, Germany. In the atmospheric surroundings of the Imperial Palace specialists and managers of the housing industry met Bad Oeynhausen, to discuss current issues. The approximately 180 participants were able to get in almost 20 different articles about the portfolio of services of ESS AG and its partners informed. In more than half of the articles users supplemented the information through their own experiences and reported on the success and benefits of projects within the company. The Congress programme was rounded off by guest lectures on the topics of personnel management and organizational development, as well as a panel discussion on the use of social networks in the housing industry. The ESS AG and 11 of its partner companies were also in the exhibition space for conversations, exchange of ideas, contacts and getting to know the IT – services and solutions. The management of the ESS AG and representatives of the ESS Customer Advisory Board make the number at the end of the Congress Questions of the participants.

By the event Ulrike Silver Mountain was editor-in-Chief of the journal, the housing industry. Special interest was evident in this year of wowi c/s edition leonardo. The ESS AG presented the current state of development and the further planning of development of. The current development State convinced with the complete redesign of the module safety duties, which can be operated also with mobile devices such as Smartphones and Tablet PC. Also, you were shown for the first time loan management and maintenance of housing and building equipment with wowi c/s edition leonardo. Possibilities for process optimization, which could be developed in close cooperation with a number of partner companies formed another focus at the 6th Congress of ESS. Examples of this are the efficient procurement and invoice processing with the ESS craftsmen coupling and the ad hoc data analysis with the wowi c/s Analyzer.