And by the If not, when banks are offering fixed-term instruments it is because they believe that interest rates will rise. Here he has a somewhat rough guide expect from the future in terms of interest rates. 5 Endeudese in the short or medium term, when you decide that the interest rates for credit will be below inflation expected for that year. 6 Endeudese to acquire assets. If you can buy an asset through debt (suppose a property) and this will generate such a payment of $500 per month, but retribuira more of $500 700 $ per income rental suppose, then, that investment will be generating income or net of $200 cash flows.
This result is enough to know that this investment by debt is good. 7. Life and health are priceless, if you or anyone in your family have an emergency medical, and unfortunately does not have an insurance policy or with cash, doesn’t have no choice but who use their cards of credit (especially if you want the person who suffers the emergency be treated at a private clinic). Why is that it is always good to have a personal insurance policy and for their goods (especially for vehicles). 8. Endeudese if you work in a company or company that offers preferential interest rates for his employees.
9. Endeudese if you have control over yourself and your finances. This is the most important premise of all and you must be very responsible in making any decision of indebtedness. If in truth and with much conscience, you have control over yourself and your finances, be prepared to have and enjoy goods and services with those who always dreamed. Educate yourself on the subject, read about the subject, not just with this book and look for others, listen and read to economists in programs of opinion and the press. Try to learn and understand, become an expert, get a comprehensive approach about finances and do things with consciousness. The bad reputation that the debts have come from the people who decided to navigate these murky waters without having been prepared for them. M.S. Felix Gonzalez j.
However, it is not possible to denote the inherent Codes of Ethics to the social service, without speaking on two words keys, ethics and moral, being that although to practically have the same meant, the moral if consolidates in the practical life, the daily one, day-postpones in it, already the ethics if manisfeta more as reflection theory. Ethos, ethics in Greek, assign to the dwelling human being, therefore everything what it helps to become the environment better so that it is a healthful housing: materially sustainable, psychologically integrated and spiritual fruitful. Moral of the Latin you live, you assign to the customs and the traditions, being on the especifidades of each people. Category of assistants social, in referring, its ethics professional, and in particular its codes of ethics, all had reflected of way clear, positionings debated and defended in its times distinct, what she culminated, in implementation of Code of Ethics of 1993, fruit of innumerable fights of category, that brings the law that regulates the profession (8662/93), in which leaves explicit, knowledge and values to be followed for all the members of the professional category, having as basic principles, magnifying of the freedom, defense of the human rights, prohibited, deepening and consolidation of the citizenship, defense of the equity and social justice, commitment with the quality and installment of the services. Taking in account the historical moment of each code, it has that to stand out itself that of 1947, occurred in full populist experience in Brazil, together with the period of industrial expansion. The Populism concept is sufficiently including: Although contemplating the economic interests of the industrial bourgeoisie, in the field politician the populist called State placed as representative of all the classrooms, indistinctly. Its sustentation, however, depended on the balance of diverse forms the diverse represented bourgeois segments in the civil and military bureaucracy, and the workers, especially of the work force.
Of course, there are cases where self-survey should be performed – this is due to the need to accurately determine the area of the site and its boundaries on the ground, if there are differences with its neighbors and future sales will be in connection with this difficult. However, as a rule, this is not necessary, and you're wasting time and money on unnecessary procedures. If your goal – selling you owned the land, and the documents are not yet ready for the transaction, the buyer often has no time and desire to wait, and as a result, chooses another option. This is what happens in the event that no offer him some security clearance facility in the property. How to do it most wisely? To do this, there exists a form as a preliminary contract of sale. What is its essence? When a buyer is found, a notary office or a law firm, in accordance with Civil Code of the Russian Federation, is a preliminary contract of sale area, which does not require state registration.
In addition to the contract price of the property are prescribed conditions of its purchase, the term of registration of necessary documents and responsibilities of the parties, in case one of them from engaging in transactions in the future. Based on this contract, the buyer usually makes a down payment to the seller and shall pay all costs of bringing the documents to the seller's state fit for the transaction. If the seller refuses to fulfill the conditions of the contract, the buyer can claim in court its execution.