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Social Security

Infonavit points what are the Infonavit points? The Infonavit points is the manner with which the Infonavit determines whether or not a person who is listed in the IMSS is subject to credit. These points depend on age, salary, savings accumulated in the housing sub-account and uninterrupted time that you have been quoted in the Infonavit. Infonavit how many points do I need? In order to obtain a credit for Infonavit housing you need to have at least 116 points. The amount and conditions of the credit depends on each situation, but at least 116 points already having these qualified for a credit from Infonavit. How can I consult my Infonavit points? Before you view the number of Infonavit points that you have accumulated, you should do a prequalification of the Portal of Infonavit credit, all you need is your Social Security number. If you meet the minimum of points Infonavit, doing the prequalification amount which you can request will appear and the conditions (if you want to consult the points that you have accumulated (you can give click to how was my score calculated?).

If you do not meet the minimum number of points, a notice will appear in will tell you where you do not have the required score, how many points you have and how many you are missing to reach the minimum required to request a credit. Query points Infonavit what do I do if I do not have the minimum number of points Infonavit? If you do not have the minimum number of points and want to obtain an Infonavit credit, you can wait for your score improve, obtain an Infonavit credit insurance or use support Infonavit. Infonavit credit insurance is a savings program with certain financial institutions where you save a specified amount that will allow you to achieve the minimum score established, financial entities that you can contact for this are: Bansefi, Fincomun or are interested in. The Infonavit support, is simply an additional credit of a bank or sofol. To view the complete article you can access, in the section of real estate Blog.

Commercial Relationship

The current European crisis shakes the confidence that has been manifesting itself in recent months despite the coup received by the crisis in the United States. That is why the real estate developers Association has detailed data about the commercial relationship between Mexico and the European Union, which is not as strong as the existing with the neighboring country to the North. Fortunately it is still not possible to have an estimate with regard to the economic impact that can be obtained from the current European crisis, specifically in the real estate market of Mexico; However, directors of the Association of real estate developers (ADI) anticipated press conference which is soon to be announced data or figures which speak of speculation for this period. The advantage of this crisis on the above is that a strong commercial relationship with Europe and United States, there is so probably there will be no such direct involvement. Even the relationship that once existed with Spain in the real estate industry It is not the same and even the market of real estate in Mexico City has coated us customers. The ADI is currently comprised by fifty-four companies, and seventy-five percent of the investors are foreigners. There are some Spanish Grupo Lar, Grupo Mall, OHL firms and Global Via, who today are part of the luxury residential real estate, but are still stable and solid in Mexican lands, so it is very precipitate talk of a ceasefire in their activities or even touch the issue of the withdrawal of these companies in the domestic market.Even the same companies have come to announce investment commitments in several construction projects that involve numbers, which more than two million dollars.However, it is important to remember that despite the crisis experienced in the previous years, activity in the housing market was favoured and growing, slowly but steadily, in Mexican lands, even in recent days had increased activity considerably, which is already an indicator that the current European crisis could affect the development of the real estate market minimally.

Local Commercial

Increasingly, real estate professionals who believe that in the Canary Islands the fall of prices in the residential sector already has bottomed, although the shops will have to moderate further. In fact, low rent has suffered a substantial fall, being non-existent sales. This is due to the bad situation facing the commercial sector. In fact, it is increasingly common to see premises empty in downtown streets of Santa Cruz de Tenerife or Las Palmas, where before, if it closed a business, soon opened another in its place. Simply that there would offer in the known santacrucera Castle Street, a couple of years ago was absolutely unthinkable. Juan Manuel Lopez, managing director of the real estate known in Fuerteventura, El Rincon property says in this regard: an immediate recovery is not foreseeable if it does not improve employment and funding reaches buyers with fluidity. Apparently selling prices have not dropped yet sufficiently to attract investors who acquire premises empty for exploitation in rent.

The urban lawyer, Rafael Linares, estimated that it would be very positive that through municipal ordinances, will ban progressively the implementation of business in height: If among others, health business of all kinds or various professional offices are established in the empty premises, would absorb much of the current increases, by taking off in parallel to the market as housing older locations, normally with a good situation in the urban areas, precisely where supply is scarce. Do this when the real estate market trends show that the volume of sales of new and used, when in recent years housing is leveling dominated the first. This is primarily due to moderation the price of used flats, which had skyrocketed in the boom years and that was corrected in a greater extent than the new ones. Original author and source of the article.

Argentine House

However, it serves for example so that you know other options when purchasing a home.The case that I want to tell is of a housing cooperative called horizon, located in the city of Cordoba, Argentina, which, through a system of accessible payment and a process of construction and accountability transparent and efficient accounts, gives the possibility of home ownership to families and people’s income medium and low.Requirements for admission are not needed in this system and each entrant is considered a partner, since this is not a company but a cooperative.The monthly contribution is chosen by the partner, paying a mandatory minimum in administrative charges. The rest of contribution is for housing. The minimum is around 50 and 70 pesos and estimated that with a contribution of 900 pesos partner could pay off your House in 10 years approximately. But a big advantage is that the partner can award your home without having fully paid. The possibility of awarding starts from that partner meets 3 years of contributions and has a 40% of housing pays. I.e., for approximate example, with 5 or 6 years contribute 600 pesos a month would have the possibility to allocate its housing. These calculations, and previous, are obtained with the price of an economic House, with the ground smaller and smaller surface built, whose current value is 104,000 Argentine pesos.The cooperative provides various types of housing, land and materials to choose, all this will depend on the value of the House that we will pay.A very important fact: the payment of housing is percentage, with what we covered the inflation which today strikes the Argentina. This means that everytime I make a monthly payment I am adding cancelled percentage of House, so that if the 1 year cancel 10% of housing and year 2 I don’t make any contribution, to year 3 I will continue taking 10% of the House canceled, in a manner such that inflation will not affected my way to complete the final total amount.Again, this cooperative only this in Cordoba but serves as example for which your look for a similar alternative in your city/region where you live. Note also that the cooperative brings more than 28 years providing its services and every month delivering houses. So don’t forget to analyze the experience and reliability of the company before you embark on this project. I want my house original author and source of the article.

Spanish Service Companies

Caralin Group, Spanish company specialized in comprehensive service to companies, has analyzed the change that has suffered the Concierge profession recycling is made janitor. The traditional figure of the goalkeeper has been transformed, and approximately 30% of them have become janitors or workers who provide that same service in enterprises. The difference between the two jobs lies not in their roles, but in that the doorman has House or room in the building, and the Concierge not. For this reason the goalkeeper sees reduced his salary in cash, through the use of housing, and through the free supply of electricity and water to some extent, by 15% while the Concierge charges salary entirely in cash, assuming one major community expense. Today, rents so high price has motivated it to numerous communities of owners more cost-effective to hire a janitor and rent to a third party housing of the goalkeeper, satisfying this way the total salary of the Concierge with the income obtained by the rental of the property.

Changing society and profession must evolve with it. In the new districts of any city of Spain, where common services housing complexes, have risen owners resort to companies managing services such as Concierge, security, cleaning, etc. says Juan Carlos mate, CEO and founder of Caralin Group. The collective agreement for employees of urban farms of Madrid the difference between six types of urban farms employees: doormen, janitors, gardeners, cleaners, drivers and garage-watchers. Although unifies the functions of doormen and janitors, in shortened form, in the following:-cleaning, preservation and care of all dependencies that have access by a common element of the property, as well as electrical devices that may be present in these units. -Surveillance of these areas of common access, as well as of persons entering and leaving the building. -Care of the farms empty, care for people requesting information about the occupants, always with discretion.

-Opening and closing of the portal, switching on and off of lights, central heating, be responsible for correspondence or notices to neighbors, caring for the hoists and elevators. -Transfer of collective dustbins. -You can also handle the payment of rentals and other charges incurred by the owners. They are not, however, functions of the portero the collect individual trash bags of each of the floors, cleaning of sports areas, saunas, gyms, gardens, or the commercial passage nor care for the garage, unless with the community of property owners which is obliged to recognize wage supplements for these tasks whose minimum amount can be found in the above mentioned Convention. Caralin Group is a company specializing in the outsourcing of services from other companies. This method of human resource management has greater elasticity, through the integration of specialized, technical and human resources contributing to perform specific tasks and enabling companies most important tasks and to increase thereby the benefits of your company.

Sports

When Colts first-year coach Chuck Pagano confirmed throughout his opening press conference the team could be setting up a brand new defensive system, most of the team’s coming back quietly celebrated gamers.Your decision by pagan to change from a classical 4-3 alignment (four linemen and three linebackers lower) to some more aggressive 3-4 hybrid plan (three lower linemen with four linebackers with a choice of rapidly switching into other fronts) was initially met with near common approval and most some curiosity.Indiana hasn’t t performed any kind of 3-4 defense because the early the nineteen nineties. In recent seasons, Tony Dungy s Polk Two created the framework from the defensive strategy.But because the defense developed during the last few years, based on injuries and roster moves, they grew to become less aggressive using its linebackers and defensive backs. Indiana relied on a set of pass-hurrying smallish defensive houses Dwight Freeney and Robert Mathis to produce most, if not completely, from the havoc in advance.The team s cornerbacks were frequently positioned six or seven yards off opposing wide devices, Quitting an excessive amount of cushion and permitting easy toss and catch completions to help keep Custom Jerseys to offensive drives alive. While fans frequently grew to become frustrated with particular gamers for example Tim Jennings, Jacob Lacey current the blame must have been dedicated to the way the defense had been operated.With the development of the brand new 3-4 hybrid system, though, situations are going to change. They are required to challenge New Nike NFL Jerseys offenses more in advance as well as in the secondary.

You will find disadvantages to ramping in the aggressiveness, however. Cornerbacks will frequently get more guy-to-guy pass coverage duties, which could cause large pass plays downfield.One factor is for certain. Pagan and defensive coordinator Greg Manusky aren t likely to hold anything back. They are not ready to play very carefully on defense. Indiana may wish to challenge teams. They will be a piece happening, though, until they get all of the bugs exercised.The potential of making mistakes in early stages isn t removing they training staff. They re dedicated to the three-4 hybrid defensive package.I believe that the very best factor s New Nike NFL Jerseys in regards to a 3-4, you simply have no idea where pressure will probably be originating from.

From your perspective, if they would like to double (outdoors linebacker) Dwight (Freeney), than that s great, Manusky described.Maybe we ll drop him a bit and send (outdoors linebacker) Robert (Mathis) and set around the matchups that we re searching to obtain him. We re searching to obtain Robert or Dwight on the tight finish or perhaps a running back. I ll take that each day.Aggressiveness is paramount.InchWe would like to strike people and you want to outside of people. We do not want any (buying and selling plays) one-for-ones. You want to make certain we are able to kick a player s butt after which result in the play go. That is what we discuss, the Colts defensive coordinator stated.The very first factor is we’ve got to make certain we stay away from the run by setting Nike NFL Jerseys the advantage using the two men we’ve got around the edge (Freeney and Mathis) and also the second factor isn t trade one-for-one. I believe overall men can beat men overall. And so the third factor is we simply need to have a tempo every single snap and every single play.Copyright (c) 2012 The Sports Xchange.