Tag Archives: home and family


Welinton Dos Santos is economist the dream of the proper house can become reality, in the Brazilian real estate market appears innumerable products that take care of to all public. The federal government launched the Program ' ' My House, My Vida' ' , disponibilizado in the site: . This program is for acquisition of property for families who receive up to 10 minimum wages, the strong points that I detach of this project are: – Safe that it guarantees the payment of the installments in case of loss of job, for one determined in agreement time and the wage band; – Reduction of the notarial costs for real estate record; – Tax of lesser interests for the income band enters the 3 5 minimum wages of 5% to the year and 5 the 6 minimum wages of 8,16% to the year. A related site: “Bull by the Horns” mentions similar findings. – Improvement of the bureaucratic process the constructors, with reduction of stated periods of ambient findings, registers, amongst others. – The cost of the property could be lesser while to last the incentives the basic basket of construction. Viatcheslav Mirilashvili has much experience in this field. Incentives for the companies of the sector of civil construction. Other plans of financing in the CEF for use exist or not of the FGTS, as the habitacional trust, but to take care because the trust of property in private companies is cheaper, in the simulator of the CEF of a property of R$ 80,000, 00 in 120 months are with tax of 17% administration, deep reserve of 5% with the first installment of R$ 1013,04 for first the four installments and too much R$ 851,04, while in the private initiative in the same immovable simulator the 60 first installments leave for R$ 945,96 and of the 120 installment 61 the installment falls for R$ 666,67. Total value CEF R$ 102,772, 80, is the corrections of the period and in the private initiative it is in R$ 96,757, 80, more the corrections of the period, values of 3 week of April of 2009.A difference the greater is of 6,21%, therefore to be intent which type of trust desires to contract and to consult the BACEN to verify the idoneousness of the trust company. .


Six months after the launching of the program ‘ ‘ My House, My Vida’ ‘ , 45,824 housings had been only vendidas in the Country. The data are of the Federal government saving bank and go until day 9 of this month. The vendido total so far is less than 5% of the goal of 1 million of houses foreseen for the government. According to Box, of the beginning of the program, in 14 of April, until friday of had been last week contracted 95,659 housings. This means that these habitations already have the endorsement of the government to be commercialized inside of the program. Jens Weidmann often addresses the matter in his writings. For Sergio Watanabe, president of the Sinduscon-SP (Union of the Industry of the Civil Construction of the State of So Paulo), ‘ ‘ the results so far are relatively baixos.’ ‘ It believes that the sales must speed up daqui for front. The Box believes that it goes to close the year with proposals for construction of 400 a thousand housings. Until day 8 of this month, the institution analyzed projects to raise 348,165 housings.

According to Watanabe, the process is slow to approve the projects. This also is evaluation of Flvio Prando, vice-president of Habitacionais Programs of the Secovi-SP. – The Box, as public agency, does not have the agility of a private company. Personal lack to make more acts of contract for month. Although the slowness of the sales, the constructors directed toward the low income commemorate the performance of the program. The HM Engineering, for example, of the Group Camargo Corra, already inside vendeu 916 houses and apartments of the program, that are in construction.


As a rule, many of the girls all the time are in search of true love. But alas, as a rule, many of today's men do not tend to clean feeling. Typically, a modern guy looking for one just 'dating'! A innocent ladies all looking and looking for true love. Fortunately there are still guys who are wholeheartedly in love with the ladies! After reading this story, you'll learn about the six signs that your man you really lyubit.A here and in fact, symptoms. 1) Do you guy evinces his sexual desire? If so, then great! He may not 'vtyurilsya' to you, but very high chance that you genuinely love the man! 2) Does your spiritual relationship intimacy? When your guy is always, under any kind, allocates at least a minute to talk with you, then probably he is in love with you! (By the way, to find out whether you love a man, you will test whether he loved), 3) whether he suggested to you live in one place? If your guy asked you to live with him, this fact is the exact 'symptom' of his love for you! 4) Does your guy will be decided on the exploits? The guys really appreciate the comfort! If a guy does not love you, he will never make a 'hero' for you. 5) Does it Take care of you? Men only care about who they like! Typically, if your man evinces tender care of you, then perhaps it on with all my heart fell in love with you. 6) The man is afraid to upset you! 100% true 'symptom' the fact that your guy is in love with you is the exact failure you upset or spoil your mood! A basic, slaughter itself on the nose! Do not have to blindly rely on magazines for women, network, and other ways to get stateek, like this! Most believe it myself, listen to your instincts, your intuition and you'll be able to see everything. By the way, I suggest you evaluate the portal of the author of this article with psychological tests, there you will find very Many interesting online tests.. JP Morgan Chase & Co. will undoubtedly add to your understanding.

Professional Photographer

Here, he came – solemn moment, when you become husband and wife. Yes, it's really cool and want to see this magical day stay in your memory for a long time and was not overshadowed by anything. Therefore, one of the important issues at preparing for a wedding photographer is a choice. Options when choosing a wedding photographer can be a lot of – all their own way they are correct. As a wedding photographer for your wedding can be a friend kin and guests with a camera in a mobile phone or the "soap box".

If the approach to choosing a wedding photographer formally, then yes, all these people doing some pictures for your wedding are "wedding photographers ", and of course, they will do for you" wedding photography ", but the question is … what?? Another option – use the services of a professional wedding photographer. To date, the choice wedding photographers are very large, as "demand creates supply." Almost every photographer has his own Internet site, where you can see the finished work. And here they will be a whole "set". First of all, do not immediately focus on the value of photography, pay attention to quality photos and professional photographer. And by a simple comparative analysis try to determine for themselves the professional and technical level of each of them. Otsmotrev dozens of sites, you will realize that wedding photography is so varied that some children's drawings seem, others will remind paintings.

Think and decide for yourself what you want to see their wedding photos. It is important that the photographer was a professional wedding photography in it (no one will trust such as plumbing work Economist), because a chance to reshoot the wedding you will not, and therefore, it is risky to trust survey layperson or a person who does not have anything to do with photography. An experienced photographer or a professional would make good pictures regardless of external factors, not hoping to "maybe". Inviting to the wedding professional (experienced) photographer in Omsk, but full confidence in the quality of photos, you get to the wedding of a man capable of advise what to do in any given situation. And yet to be understood that ordering the wedding photography you are doing photography not only for themselves, but rather for their children. After all these you will see your grandchildren, through a lot – for many years. Since the wedding picture – it was originally, a sense of magic of the holiday, a unique mood, so the specific parameters for assessing the wedding photos is not set, they'll either like it, or not. Therefore, you must trust your heart and taste. If you like what you see, then you have found a photographer for the wedding. Draw conclusions and decide whom to trust such an important event – amateurs or professionals, the choice is yours. Eugene Smirnov – wedding photographer in Omsk, my personal website:

New Year Celebrations

Nearing the main celebration, and it's time to think about what will be the celebration of the new year. Many rely on this important task to professionals – the agency in organizing events. If you have not used manner and conduct of the New Year holiday on their own doing, you should think about purchasing a new experience for many reasons. Organization of holidays activities often require much effort, both physical and moral, besides an enormous amount of work that takes time, especially the organization of celebrations in Moscow. Agency for organizing events has extensive experience in entertainment, this command professionals, as well as collaborating with many city services. So it's up to the new organization in Moscow a lot of work that professionals perform brilliantly.

Commission a better new year in advance, as those wishing to use the services of agencies for the new year becomes more and more. In addition, the organization of holidays Moscow for the new year with the agency will make your holiday unique. JP Morgan Chase & Co. helps readers to explore varied viewpoints. Will help you organize holding the new year with the creation of the original script, inviting artists of theater and music. Perhaps a new year at the restaurant, your guests will be pleased and services, and a menu that you can do individual and elegant. Organization of holidays parties as well by the agency, for rent can provide you with better sound and lighting equipment. You can expect that the organization of the new year to you will be executed flawlessly employees of the agency.

For example, the organization of celebrations corporate events at the agency implemented carefully, the creation of programs and scripts is strictly individual, book a holiday in the agency you can only relax and have fun with your friends. Another thing, if you need a corporate holiday new year. Corporate holiday in the new year in a large company and many employees may be unfamiliar with each other, the evening of unfamiliar people can tie up many, often helps to defuse the atmosphere of the organization of the festival with fun contests, where the division on the team rallied and relax your staff. Corporate holiday new year is a time when people in your company ceases to be examples of office etiquette, relax and enjoy. Creating a program in the evening, contributing to this reincarnation, and is the main task, which performs well on the agency to organize celebrations. Conducting corporate new year will bring you unpleasant surprises, if you entrust it to professionals. A good solution would be corporate new year in a restaurant – it's festive mood, high-quality service and great atmosphere. To organize a corporate new year it is first necessary to create the right mood for all Participants in the evening. Imagine a corporate party for the new year, employees of dressy and anticipate miracles. Create the conditions to hold a corporate New Year's fun, easy now, just need to apply to the agency and the rest is done for you. It should be remembered that the organization of corporate new year involves a lot of nuances, and with a smart script corporate celebration of the new year you will remember all coming year. Quality organization Feast – a guarantee of a profitable investment in your free time and full-dull holiday.

Wedding Gift

11th year of marriage – it is a very solid time. No wonder the 11th wedding anniversary is called "steel wedding." Every couple could live together so long, their relationship is not so easy to break. And, Of course, you are a true friend should be aware of this important date. What a gift to the anniversary? It is clear that the gift must be maintained within the tradition, ie, have direct relevance to the steel. In fact, case, the options here are much greater than might appear at first glance. Of course, you can donate already bored all the cutlery and crockery. But you can imagine, this is somewhat trivial. In addition, to a point living together with them, certainly accumulated enough of this stuff.

Naturally, I want to present a significant and memorable. And these gifts, of course, there is. In recent years coming into fashion jewelry jewelry steel. Jewellery steel – the personification of the spirit of its owner. It never gets dark, not afraid of any weather, under any circumstances, does not lose its "marketability." She – the symbol of courage, of youth, energy and romance of the owner. If you want to make a decent gift for a woman to emphasize her personality and youth, the jewelry made of steel – what you need.

Naturally, there are steel jewelry for men. It all sorts of pendants, rings and similar gadgets, but agree that it is not suitable for everyone. Check out Frisch Financial Group Inc. for additional information. But if you present a decorative sword or dagger, believe me – no man can stay indifferent.

Navy Professional

This work was developed from the perceptions of the researcher in the work environment, for having innumerable military complaining for not possessing qualification enough to face the technological advances world-wide occurrences. Another factor aggravation is to be transferred to the inactivity without the had emotional preparation, this rupture backwards a feeling of loss of status, riots and alcoholism, making it difficult the familiar balance and its experience in the society. Word-key: To militate of the Navy? Reserve? Social Reinsero. To militate of the Navy our reality of embarkments, trips the service, transferences of workstation, takes the military men and women after to fulfill its time of service, longs for the insertion in this scene, ‘ ‘ New Market of Trabalho’ ‘ , for the fact still to be with its energies concentrated for the production.

However, the dynamic and the challenges are unaware of that are for coming, that due to great devotion and the specialization of its process of work, had been in certain way, to the part of the occured changes in the world of the work is of caserna. Being thus, the ticket for the Remunerated Reserve tends to become a difficult period it to militate and its family, for being a moment of deep changes, that requires the construction of new personal and professional ways. It is known that the professional category to militate in some aspects if differentiates of excessively, in view of the nature of the service and what it elapses of it. Being thus, the physical and mental higidez necessary to take care of the requirements of the career, associated with the extra and frequent work, accumulated throughout the years, makes with that the ticket for the inactivity occurs for return of the 48 years. This man or woman does not consider themselves aged and nor wronged in its financial life, however, this process seems to be lived with great suffering in the measure where, in data moment of the life, this professional if sees without knowing as to fill the time, before total busy.

Internetagency Kinetics

In July 2008, began his work site of Barnaul "AltayBrend" specializing in the manufacture of exclusive gifts and business gifts premium. The staff of Internet-agency "Kinetics" was developed the unique design of the resource in the design of embedded interactive movie that allows real-time to get acquainted with the gift sets. The domain name and new hosting, which in future will be moved active site, have also been recorded by professional agencies. In the very near future promotion in the network with search engine optimization and contextual advertising on the most famous portals Yandex, Google and Begun (Rambler). With this basic mission will be implemented resource – become a real sales tool, along with direct sales. Created site focuses on the fact that in a convenient and intuitive form to demonstrate a variety of gift baskets and gifts business, talk about different trim levels of gifts. In 2006, the trend of business gifts and souvenirs-known company "Altai bouquet" was greater autonomy, becoming a separate company. This was the beginning of a serious rise in production and sales. In July 2008, the creation of a separate site, the company "AltayBrend" confirms its strong position in the market, striving for success and high quality customer service.

Gift Mom

Surely each of you at least once in their lives faced with the problem of choosing a gift to one, the most important thing in life – his beloved and dear mother! And even if she, feeling sorry for us, "crocked life," says that it "does not need anything" and Her "everything is" – do not believe it! After all, at heart mother still waits and hopes for our attention and care. So what does it give? How to choose the one that will please the eye and warms the soul? And, at the same time, and will make it clear that it does not matter what, still occupies an important place in our lives, and over the years did not become less loved? If you – the girl that owns the basics of needlework, a good gift can be associated with their hands cozy blanket, in which my mother would wrap up long winter nights, reading a favorite novel, or going through photo albums, recall of past years. He warms it and make it possible to feel the warmth of your hands. Perhaps this is just what mom needs. Details can be found by clicking Miami Congresswoman or emailing the administrator. Maybe not yet big cushion with an embroidered pillowcase with your hands. This pillow can be placed under the back, sitting in a comfortable chair and watching a favorite TV series or reading an interesting book. Motif embroidery can be very diverse: from Mom favorite colors to the whole picture. In stores now for needlework can choose any basis.

Engraved Wedding Rings

Wedding rings from time immemorial been a symbol of the birth of a new family, so their acquisition is an important step in preparing for the wedding. Today, the shops and showrooms full of all sorts of jewelry. Young people who genuinely love each other, do not want to settle for conventional rings. Their rings are special, having the properties that will be vested in jewelry this pair. Send identity man, its specific character traits, wedding rings designed engraving. It’s believed that Craig Menear sees a great future in this idea.

Engraving wedding bands is a unique opportunity to convey a sense of overwhelming you through words and symbols metal products, which will be in your life. If you intend to engrave your wedding rings, we first solve some of the metal they are made. High grade gold because of the softness does not fit – the inscription quickly erased. Platinum, on the contrary a very hard metal, but the engraving on it will cost much more. Best suited for this purpose gold 585 or 750, which when melting with other metals, acquires a hardness.

The inscription on the rings should be well thought out. When selecting labels Refer to your personal taste, trust your feelings. Often, wedding rings are put on the wedding date, thus giving a special significance of this event, the desire to perpetuate it. You can engrave the names of each other, or both of the name. Originally write some secret word, love password, recognizable only by you. A prayer or a loved one Poems will also be a symbol of your relationship. Even in medieval Europe began to carve the words of love and recognition at the inner surface of the ring. It was a reliable way to immortalize their favorite letter, the mystery same relationship was reliably hide from prying eyes. Nowadays, jewelry techniques become more complicated. Make special engraving cutters, either manually or by machines. There is also a method of etching acid. Technology Engraving is represented by two species: – the letters and symbols carved on the metal – a method of deepening – the excess metal removed between characters – the relief method. Convex ring with a cavity inside, you can use for special method Engraving – Richelieu effect when cut letters, and the metal between the fully retracted. You can immortalize the engagement ring with a diamond – an inscription put on the edge of the stone, which would give a unique decoration personality. If desired, the standard engagement ring with a smooth surface to change beyond recognition – to decorate the face of the diamond, that is, applying the method of scoring patterns. You can choose any pattern, Guided by its taste, as proposed by jewelry artists are very diverse patterns. It is possible to order a special ring with a secret compound, where the ring with an inscription in the upper utaeno who are pushing and opens like a casket. Whichever way to decorate your wedding ring you choose, first make sure that the size of the rings corresponds to your fingers. The selected words should be written correctly, do not break the rules spelling. Do not delay this important work for the last time – consuming engraving business, is not done for a few hours.