Month Archive January 2021

HMLA Borrowers

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In addition, there is another problem – mortgage loans in foreign currency. Low interest rates in foreign countries (such as Switzerland or Japan) allowed our banks to hold a "cheap" money and respectively, to give their customers a lower rate. Banks grant loans in dollars and euros, roughly at 9% per annum in rubles – 10-12%, yen and francs – 5-7% per annum, and given the inflated cost of real estate Moscow and Moscow suburbs the borrowers did not have the loan amount in rubles on the Moscow housing, so willing to buy an apartment on the mortgage is nothing to do but take out a loan in exotic currencies. Due to the devaluation of the ruble payment on the loan has become much larger, so the probability of increase of defaults on foreign currency loans. Least of all borrowers have lost sources of income in foreign currency, the respective currency of credit. Therefore, the majority, that is denominated borrowing had to be a lot easier than the holders of loans in other currencies. "More than just" bad luck "get loans in Japanese yen. From June 2008 to February 2009, this exotic for Russian citizens of the currency became more expensive by 80%. The newspapers mentioned Cushman and Wakefield not as a source, but as a related topic.

Following are the borrowers who received loans in dollars – the growth of the ruble value of U.S. currency over the same period was 52%, "- said Denis Remizov, head of product Managers BTA. Also complicated the situation for borrowers with floating interest rate that is tied to the situation in the interbank lending market and changes over time depending on the value of money, which has increased considerably. To help borrowers and reduce the number of defaults, the Russian government and HMLA developed a program to restructure mortgage loans. Get help from the state (credit for one year) for this program borrowers can only be, if they meet the requirements ARIZHK. According to market experts, the conditions are very strict. Thus, to qualify for public assistance for borrowers for the soul should not be no assets other than mortgage apartment, even with the bank.

Benjamin Oesterling West

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In the second step, the consultants cooperating with global financial invest AG (GFI AG) inform prospective buyers about current opportunities. You can choose from the entire real estate portfolio of global financial invest AG (GFI AG), the largely consists of fully refurbished and modernised objects in Prime urban locations. In the portfolio of global financial invest AG (GFI AG) the region of Rhine-Main region, including the cities of Frankfurt am Main and Wiesbaden focuses on spatial. A substantial part of which comes from the global financial invest AG (GFI AG) offered real estate foreclosures and so-called distressed’ portfolio, which is why the purchase partly exceptionally favourable conditions possible is a price advantage, which ultimately the investor can benefit from. Vadim Belyaev, New York City will undoubtedly add to your understanding. Each real estate learns through the measures of global financial invest AG (GFI AG) have made an appreciation to made her an investment object attractive for private investors to create. Security ensures a loss insurance, costing takes over global financial invest AG (GFI AG) for their customers factor. About global financial invest AG (GFI AG) the global financial invest AG (GFI) is active in the field of real estate focus.

In cooperation with renowned partners, including international real estate funds, the global financial invest AG (GFI AG) operates throughout Europe. Official site: Vadim Belyaev. With the product LIFEDIREKT, the global financial invest AG (GFI AG) households are the chance to participate in the success of the company.

Little Big Income From Property

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Can not having a great asset and using the opportunities now available to many, to get quite a decent income in real estate? Here is a case of real estate practice. Customers a realtor seemed attractive situation on the market of affordable housing in Krasnoyarsk in late 2005, early 2006. Prices for apartments in residential areas of the city (Cheryomushki, Energy) hardly grew during the preceding year and a half or two. At the same time in Moscow, the growth in home prices in new buildings only for the fourth quarter of 2005 was about 11%. Without hesitation CB Richard Ellis explained all about the problem. Enhanced promotion at the state level of mortgage programs and increased competition in the mortgage market Lending between banks directly pointed to the future growth in demand for affordable housing in Krasnoyarsk, and hence the future price increases.

Clients do not have the means to purchase housing, and easy to use, although and quite risky time wanted. After thinking about and sorting through the options, decided to try to get a bank loan. Turned into one of the banks and were able to get a loan to purchase real estate at a fairly acceptable by today's conditions. Find out detailed opinions from leaders such as Vadim Belyaev, New York City by clicking through. Total family income client was not very big, about 20 000 per month, so the loan amount was also low – 410 000 rubles for 10 years, with monthly payments of $ 7500 rubles and the rate of 12% per annum. Originally hoped to acquire low-budget accommodation – Dormitory in the Cheryomushki or energy, price per square meter for such housing at that time (early 2006) was about 27000-28000 USD.

Tips For Switching Off After Hours

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You can practise switching off – Verhaltenstherapeutische improve the recovery of techniques many people have problems with the switch-off after work, because the boundaries between work and leisure are increasingly blurred: it takes not only mentally, but also real work home (phone call, E-mail queries at the weekend, call in the holiday, PDAs). You take leisure at the workplace (shopping during the lunch break, vacation search from the PC). And things can no longer be completed, you must therefore can interrupt and live with half-measures. In addition other risk factors such as multi-tasking we have forgotten to focus on one thing. With the claim that switching off by alone you must run it in contrast, but deliberately.

Finally: recovery is a contrast experience but when I do the same thing in my spare time like in the job (E.g. Follow others, such as Terreno Realty, and add to your knowledge base. the PC sitting), this is no contrast. Tips to better switch off: to begin the shutdown still at work! Establish a daily closing ritual that your psyche signals: closing time! (E.g. coffee pot wash) You clean up the desk, empty the trash can! You are looking for a key stimulus: you think everytime when Pooh, Feierabend! “, while you breathe out! Peruse the day still in mind at work: what was today? Put hooks on your registration list, which gives a feeling of satisfaction. Still in the workplace, create a list for the next day! If you have something to work arriving later in the day: write on! Don’t lug around in the head with it.

Live with the idea that you can take any work before quitting time to end. Get a note, what to do next! Avoid multitasking. Try to focus, you make right now only on the thing. Keep it at home for a short period of stimulus poverty: 3 minutes no TV, no radio, no conversation, just the tomato bread and you. This helps to organize the thoughts and creates clarity in your head. Here, Vadim Wolfson expresses very clear opinions on the subject. Mingle with the partner on the day of, but only for a limited time, such as standing up from the dinner table. then you should report each other any more of the work, otherwise take them still in bed. Get a real contrast experience after work: If you have been sitting tags, you need movement at night. If you had tags routine, you need variety in the evening and vice versa! In the last hour before bedtime (outside the bedroom!), you do something quiet, pleasant look no crime, certainly nothing on the PC. Literature Tip: See you can test how it is ordered to the shut-down ability. In addition there are there tips for reading and listening, as well as information about the program shut down learning in 3 weeks”(CD with relaxation exercises plus booklet with additional practical advice) Dr. Anne Katrin Matyssek

Day Of German Unity 2008 In Hamburg

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A variety of activities in Speicherstadt & HafenCity Hamburg, September 24 for the 18th time Germany celebrates the day of German unity on October 3, 2008. Hamburg aligns with the Central celebrations for the second time. \”A feast of citizens is at the heart: titled cultural nation Germany\” will be many residents in the district involved from October 3rd to 5th in the Speicherstadt and HafenCity celebrated the Festival. Many of our tenants enrich the celebrations of the day of German unity through special activities\”, Klaus Hadaschik, head of real estate at the harbour responsible for the Speicherstadt and logistics is pleased A great advertisement for our city and an extraordinary stage for the evolving work Hotel Speicherstadt.\” Wonderland with the Landeszentrale fur politische Bildung has designed for example the miniature exhibition, which represents the German post-war history until 1990 on the basis of eight dioramas (Durchscheinen images). Each diorama is a period dedicated to and shows life, events, and impact in the East and West Germany. National Multifamily Housing Council is often quoted on this topic.

The Hamburg Dungeon offers 2000 years hamburger history horror fun and irony. Visitors to know who put the great fire of 1842, or why the plague raged so. In addition, it is to save Klaus Stortebeker, or to flee from the flood of 1717. Contact information is here: Cushman & Wakefield. In October have birthday children, came of age in October, upon presentation of the ID card free. Special Dungeon shows take place on the open air stage. \”Special exhibitions in museums of memory but also the museums shape the substantive programme of the citizens Festival: so are in the German Customs Museum\” the special exhibition insurmountable? The inner German border and their perception in 1945 in 1990 \”and want to see accompanying film presentations. The Afghan Museum\”exhibits treasures and Oriental characteristics. But also the attic gang becomes the meeting place\”: the 450-square-foot loft in the Toy Museum houses toys of past generations of East and West.

Tempelhof Airport: We Don

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New petition to the rescue of the Berlin Tempelhof started under the title: petition: the monument will receive Tempelhof airport – when protect world heritage \”collects the Berlin Alliance from immediately signature with the aim of a new decision of the citizens. Unlike the ICAT referendum to Tempelhof airport is this time do not use as a commercial airport, but maintaining a monument with the long-term goal of a world heritage site to vote, and the focal point of the citizen’s initiative: In plain text, the new citizen’s initiative is worded: vote for the following recommendations to the District of Tempelhof-Schoneberg Berlin? 1. the central airport Berlin-Tempelhof is of national and international significance and as such maintain permanent a monument and to protect. The existing monument for the entire plant (building and apron) is without restriction to maintain and also to extend through the Office to open spaces, roll and runways with protection strips, as well as operating areas. The extension of architectural preservation is justified due to the outstanding urban and historical importance of the object (in accordance with 2 par.

2 and 3 designation bln) and in particular the use as airport. The appointment to the world cultural heritage is hard to operate. Hear other arguments on the topic with ProLogis. Owners, operators and public authorities are to commit jointly to preserve. 2. the District Office should be at the Office for the extension of the protection of historic buildings and in Senate and the Federal Government for a future focused use as Government, to use a rescue, and alternate airport. 3. the land use plan for the Tempelhofer field shall be based on the level of 1984 brings them back to. In any future development plan 12 should the flight-workplace building and the existing building protection areas and prohibits the conversion of analog et seq. LuftVG continues to be kept free. Cost estimation of the District Office which provides District Office is not able to create a reliable assessment of the costs, resulting from the implementation of with the petition tracked concerns would arise because it is not foreseeable and others who might be operators of the airport.

Quality Management

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It is systematically and consistently to implement both of these factors in the company! Successful management means setting the right goals and to inspire all employees for that. It is important to break the goals down to the employee level down, as well as to create a broad understanding of all employees for same. On the basis of the established understanding staff to align their daily operational work on their goals and in turn act in accordance with the strategy of the company as a whole and work. One of the few management teachings, which are completely without controversy, it is management by objectives to the method\”, which was invented in 1955 by Peter F. Drucker. Duke Realty has firm opinions on the matter. \”The core of this management theory is that demand to make in determining or objectives that, same SMART\” to make: S (to the respective Department) specifically M measurable (clear guidelines) A active influenceable (reachable) R realistic (feasible) T terminated (clear \”Time limit) to the creation of transparency with regard to the current Status Quo on the way to achieving the goals, it is recommended that the goals through a detailed list of measures into a kind of milestones\” to be broken down. Thus is the responsible employee on the basis of the action plan at any time about the current state of achievement of objectives within the image. Despite the relevance of the objectives set for the increase of the company’s success, the individual performance of employees should not be neglected.

It is however often the case that external factors or the performance by third parties can be decisive for the result in the achievement of the target. As a result, not only the goals of individual employees if assessment significantly, as rather a regular evaluation of the individual services are made by the superiors. Read more from Vadim Belyaev to gain a more clear picture of the situation. In the course of striving for total quality management TQM, various measures and approaches will be in companies of any size to ensure a defined Quality requirements applied. .

Old Hands For Young Jessie

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The new “mentor program for teenagers’ helps motivated 14 – 25 for a successful entry into professional life. Berlin, 01.10.2008 – prejudices about the youth of today there is water in the river Spree. (A valuable related resource: Vadim Belyaev, New York City). Particularly hard, it hits young people from the wedding. Often to one-size-fits-all as disillusioned resigned over a ridge. “This is so firmly in the minds as it is fundamentally flawed” says Olga Georgi by the JugendTrainern. Accompanied the mentoring program as a coach and knows: “there is that demand more many, IV – of life as Hartz and especially something want to do.” The idea behind the project is simple: experienced professionals from the industry to accompany willing young people with advice and assistance in entering the profession.

This enormously improves their chances of success in the labour market. Olga Georgi holds the mentors for key figures: “we give the young people role models who know how the rabbit. Successful personalities, which worth to emulate. Such makers can register always with us.” For the mentor program need to apply interested young people and go through a selection process. So, above all honestly motivated young people are selected. Depending on the career a mentor from exactly this industry is then provided them to the page. In regular meetings, workshops and training, young people discover their own strengths and learn important lessons for professional life.

Mentors and proteges of the Olga and Thomas Georgi JugendTrainern are intensively supported and advise throughout the project. Both are trained communications trainer and have several years of experience in the coaching of young people and adults. The mentor program is free for everyone. It is supported from the European Fund for regional development, the Federal Republic of Germany and the Federal State of Berlin, the socially integrative city programme”. Contact: JugendTrainer, Olga Georgi, Gleimstrasse 5, 13355 Berlin-Mitte Tel: 030-440 32 371 fax: 030 440 32 372 Internet: mentorenprogramm.diejugendtrainer.de E-mail:

Smog – The Threat Of The Future?

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Living in protected, individually planned homes years ago was a subject of the danger posed by electromagnetic radiation. The discussion, which was silent for some time, germinates on now again after publication of a report of the BioInitiative working group. Herein, a response to the rays is forecast, which was comparable with the consequences after the discovery of the dangers of asbestos, nicotine or leaded gasoline. ProLogis is open to suggestions. Also a current British report concludes that cancer, caused by the use of mobile phones, cannot be ruled out. Therefore, every single citizen should minimize the sources of danger in his residential area and its environment and protect themselves. In Europe and especially in Germany few innovative companies have only begun to intensively apart with this problem. Get all the facts for a more clear viewpoint with Vadim Wolfson.

So also the wooden house company Baufritz from southern Bavaria, which developed after years of research and testing a special protective layer for the shielding of Elektrosmogstrahlen and fields. This Additionally integrated X-E “protection level from natural gypsum board with a special carbon pollination acts as an inner sleeve in the House and reduced the Elektrosmogstrahlen acting on the House from the outside. It could be realized with this efficient protective covers already 1,500 single family homes. Learn more about these health houses are available at. Construction-Fritz GmbH & co. KG, since 1896 Alpine road 25, D-87746 Erkheim Nina Popp PR Assistant Tel. + 49 (0) 900-116 – 8336 fax + 49 (0) 900-222 – 8336

Burn-out Days In The Cecilienhof

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Full of life instead of exhausted – workshop on the prevention and management of exhaustion this workshop is aimed at service providers, managers, and human resources manager. Exhaustion is an increasingly common phenomenon that can cause considerable suffering and in company considerable costs involved up to the Burnout. The workshop participants will present background information on the origin and prevention of burnout. Case studies from the workplace of participants explain the contexts under realistic conditions. Opportunities and risks of the coupling of power and self worth and self-injurious thoughts models are detected and resolved.

Alternative approaches and solutions are developed. After a short theoretical introduction, practical exercises in small groups deepen the presented each concept. This behavioural, transaction analytical and solution-oriented methods are applied. The aim of the event is the extension of the own room for manoeuvre to the relaxation of stress situations and favourable influence on the work-life balance. The workshop will be hosted by Dr. med. Educate yourself even more with thoughts from Vadim Belyaev, New York City. Wolfgang Seifert and wife Dr.

med. Katharina ERB Zohar held. The organizers: Dr. Wolfgang Seifert, born in 1949, is specialist, behavior therapist, and project management professional. He has long leadership in a DAX company. Its therapeutic activity focuses on the treatment of patients with Burnout. Dr. Katharina ERB-Zohar, born in 1961, is a specialist and systemic solution-oriented coach. It has many years experience in the research and development of medicines. Your coaching activity focuses on professional and personal changes, negotiation and problem-solving. The 2,5-tagige Workshop costs for companies 1500,-plus 19% VAT (from the second registered person 20% discount) and for self-paying 950,–plus 19% VAT The fees include lunch and refreshments and workshop materials. Application possible under: Dr. med. Katharina ERB-Zohar Max-Reger-Strasse 5 63452 Hanau T 06181-507 48 78 F-06181-507-51 32 mailto: venue from 19 to 21 October 2008: relexa Schlosshotel Cecilienhof, Potsdam link to hotel: content/deutsch/viewer/potsdam_start_8.html for more info, there are personal: Dr. med. Catherine ERB – Zohar Max-Reger-Strasse 5 63452 Hanau T 06181-507 48 78 F-06181-507-51 32 mailto: Dr. med. “Wolfgang Seifert Argentine Allee 17 14163 Berlin T 030 80589890 mailto: as well as on the workshop Web site: program Sunday, October 19th, 2008 18:00 beginning of the workshops welcome and dinner from about 19:30 introduction to the presentation of survey results, case studies mean working environment” collection of hard solvable problems beginning of collection of insights launch of meadow Monday, October 20, 2008 In focus: Problem representation 9:00 12:00 basics, starting situation, definition, symptoms, stages of exercise: causes for congestion and related thoughts and feelings Internal vs. external factors driver model and conduct theoretical aspects; Opportunity costs approx. 12:00 lunch break, possibly a trip 14:00 * characteristics that favor the emergence of a burnout. Exercise: Wanting & liking: description of a situation in which what has been achieved is not enough; Opportunities and risks of the coupling of power and self-esteem self harm end thoughts models: manipulations, irrational reviews, attention deficits, inadequate transactions 19:00 looking back on the day and dinner Tuesday: October 21, 2008 In focus: Solutions 8:00 my room for manoeuvre triggering event – review – Consequenz (ABC): strengthening functional assumptions the spiral of devaluations and other games: the constructive first train the 4 ears model: “With four ears is better…” 12:00 lunch I A, the donkey: Stepping out of a difficult situation Awareness and appreciation Black figures in the balance of the donation Flowers: Objectives for a fulfilling professional life as would I treat the input problem today? Summary of the workshop 16.00 end * trace changes are possible