The sincere advice to expedite the sale are:

• If you take some time trying to sell their apartment will be easy to see that yesterday could have sold more expensive than today, well … believe me when I say that however much you think you have to drop too low price, sell it today more expensive than tomorrow. So take this conclusion to be targeted.

• If you tune in will find the right price, maybe it is already proving that the market decline is ahead of you, so its price is always more expensive than those that manage to sell. Must assume the precise value to break that pattern.

• No matter how “extraordinary” that will definitely look your floor yourself to the idea that such a view not shared by potential buyers, otherwise it would have already sold without the slightest stick … and buyers would queue to redirect to other floors somewhat less “extraordinary”, and earn good money as an intermediary. If this has not happened already, Undeceive and seek realistic solutions.

• A buyer is a person, whether natural or legal person who gives you money in exchange for his apartment, a notary, from a document into a public sale. People who call, and even visiting her apartment, do not go beyond merely curious, interested parties (who have a long negotiation process) and even his competitors trying to sell their apartments and also report conditions.

• It has been the history of economic growth expectations that encouraged us, until recently, to invest in real estate projects, relying on rapid appreciation. Convince yourself that the person who, in a time of economic crisis like the present, are willing to buy a floor to prices in the market two years ago does not exist, or lying, or is it a stupid person, the latter could be potential buyers, but often have no money.

• If you believe the prices of apartments that appear in commercials, print media and real estate portals, is the market reference price, check how long they not be sold, you will find that these references are “not sell. ”

• The market price of your floor is alien to their old expectations of economic benefit, and even, and this is sad, to its current economic crisis, job or family, if that you are suffering. His personal needs can not influence the pricing, most will do is deceive, losing time, which will worsen their situation.

• You may have to assess “how much money you can lose” in the sale, “to avoid losing more” or “losing everything”. In life, in economic terms, almost always more profitable medium and long term, cut with an untenable situation, to be able to dump into a new project, rather than insisting on seeking solutions exist, delaying the start again.

• Ask the concierge and porters, professional brokerage and administrative managers, if they know someone who might be interested in your apartment. Do not ask “their views” about the price, inquire for potential buyers, you can bid real, and which can directly negotiate the price.

• Commit to pay the fees, subject to successful completion of the transaction for the sale of his flat in order to achieve the greatest possible number of people wishing to work with you. Be generous and set fees that encourage the intermediary to get the highest possible price.

• Given the growing problem of housing stock with financial institutions, that is bound to be its main competitor, not advise you to seek help at your local neighborhood, and unless they present a potential purchase of his apartment pointed to funding. Yes you should approach them as a possible buyer, to glimpse how they compete with you, or rather, how far should you go in its bid to stay ahead of competition from these entities.

• If your floor has a scruffy, dirty or aged, fix it so precise as to give the feeling to be engaged in very little time, most potential buyers are unable to see “how wonderful it will be the floor,” with a slight compromise, or are not willing to “fight with future reforms of unpredictable duration and cost.”

• Finally, as funding is important, perhaps something can improve the selling price if you can give part payment deferrals. Consider this a foreseeable horizon for recovery of real estate credit not less than two or three years.

What happens when a country leaves the euro? Part 2

What happens when a country leaves the euro? Part 3

This change in the industry has brought new services to the forefront with a whole variety of different borrowing options now available. These range from very short term ‘payday’ loans right through to products such as logbook loans.

With so much interest in the logbook loan sector many people now have questions about how these loans work and what benefits there are to them.

A logbook loan works by allowing you to use the value of your vehicle as security for a loan. This means that you would apply online and a lender would then discuss your requirements with you based on the information you have entered.

The lender would then meet with you to check the vehicle out and to work out an estimate on its value. Most lenders will offer you an amount up to 75% of the value of the vehicle (although this does change from lender to lender).

The logbook loan itself is secured against the asset – your vehicle, and not yourself. This means that if you have a poor credit rating and you have a history of CCJs or missing payments then this isn’t a problem for a logbook lender.

Many of the customers who use logbook loans are people who may have had a history of bad credit. Logbook loans provide these people with way to obtain credit for whatever they want without the hassle of going through credit checks and banks procedures. There are no credit checks with logbook loans.

Remember, that in order to get a logbook loan you must be earning regular money and a lender will want to see proof of this. In addition to this, you should think carefully about you are going to make repayments.

Logbook loans are any purpose loans so you can use the money for whatever you deem it necessary whether it be home improvements, a vacation or paying unexpected bills.
For more details about logbook loans, see my site.

Also, 79.2% of citizens rate the overall situation of the Spanish economy as poor or very poor and only 20% think the situation within a year will be better, compared with 73% who think it will be less worse.

On the other hand, 68.8% say that Spanish citizens are “somewhat ” or “nothing” equal before the law and 82.6% stated that laws “favor some more than others”and point to “the rich “(48.6%) and politicians (26%) as beneficiaries of this difference in treatment.

Confidence in the law in rights before a conflict is also low. More than half of the population thinks that little or nothing to defend against a large company or a bank, 67.2% “somewhat “or “no”against the public administration and 74.7% compared to a national rich or influential.

The main reason we made the decision to take this important change came when we realized that we had with the software were not able to effectively harness the information of our portfolio with the aim of increasing the number of customers integrals.

Much has been said, even in this blog, the importance of cross-selling and the potential of CRM programs. For all its virtues we add a filter that under our opinion should be taken into account before launching any campaign and is not one that we mark the famous phrase that I read somewhere some time on advertising:

Targeted advertising becomes information

It’s easy to understand what we want, do not suffocate with bulk mailings to customers who have given us their confidence to manage their insurance, it seems unproductive and can have the opposite effect to that is to be able, with the information We provide our clients, meet the needs of them and offer insurance solutions.

As a last point we want to remember something as important as self-evident, but nevertheless often the main reason for the poor design of a campaign.

The databases were not filled or updated own

Gástese you a huge amount of money on the best management software ever developed which will not yield any benefit if you do not have efficient staff that is responsible for keeping the data current.

I sincerely believe that these issues have always be able to provide better service to our customers.

- Improvement in the definition of motor vehicles required to sign the insurance and liability movement: they are considered to be those that require an authorization to operate. It also improves the determination of the accidents that are covered by this insurance and the exclusions related to agricultural, industrial or service in enclosed own activities and those whose claims would be covered by liability policies of the holding that sign.

- Increased coverage. The new regulation provides that, when damage to people (with a limit on compensation of 70 million euros) and damages to the property (with a limit of 15 million) and compensation for damage exceeding the limit of compensation may used the balance that could result from damage to the people to the limit to cover the total damage. In doing this, that the compulsory insurance of motor vehicles in Spain is a virtually unlimited insurance coverage is exceeded and the practice of double insurance: compulsory and voluntary supplementary insurance.

- Streamlining the processing of claims and certain aspects relating to the payment of compensation. The insurance company, when you can not make a concrete offer of compensation to the victim because they are unable to quantify the damage due to causes not attributable to him shall be obliged to indicate the progress payments to be making their commitment to make an offer based compensation as soon as the necessary information is available and must inform the injured every two months on the status of the processing of compensation until it is quantified.

- Updating and simplifying the query in the File Information insured vehicle. This file is intended to further control the fulfillment of the obligation to ensure, to facilitate the injured in a traffic accident with the necessary information on the insurance covering the liability of each of the vehicles involved in an accident. It simplifies the query to the file, eliminating the provision that until now were required, a copy of National Identity Card or other proof of identity of the citizen to see the file.

- Finally, the new regulation provides that to verify the existence and effect of compulsory insurance, the agents should refer to the Traffic Information File insured vehicle. Only if not possible, ask the public presentation of the receipt of insurance.

Lockhart Steele, the managing editor, was recently interviewed and that conversation gave the specific data that eludes Denton. He is the person who is in constant communication with publishers, divided between New York and around the country. Each publisher has signed a contract requiring it to publish 12 times a day in exchange for a flat fee: $ 2,500. We recommend posting, if possible, eight times before noon, to make readers return again and again. Steel said his company is testing an incentive program to pay writers based on the traffic they attract.

“We’re profitable,” he added. “We are small, we have no overhead, no office. They all work at home. Gawker Nick founded with the idea of creating a set of blogs in specific topic areas, hire independent editors, get much traffic and then sell advertising. Knowing that no site would in itself to make fortunes, at least 10 sites serve to create an interesting business. ” This harsh description angered Denton, who went on to say that the data had been misinterpreted.

The simplicity of the model alone explains the zeal to discredit Denton brings enthusiasm generated by the commercial potential of weblogs. He knows perfectly well that the models are copied. He also knows that competitors have larger networks than yours and they are already copying the Gawker model.

The model: The idea was to attract advertisers to a universe – of blogs – they do not know where they feared and incursions. By bringing together blogs, the company acquires an air of respectability. Advertisers treat Gawker titles more seriously because it is part of a group. In places, the cost per thousand of a notice can range from $ 4 to $ 50.

“I will not get rich publishing blogs. It is not about money. Nor is it corrupting the art of the blogger. If someone accuses me of posting as a routine – 12 times a day – is true. We believe in publishing schedules . But we do nothing to prevent the emergence of other models in this sector, or independent writers continue doing what they used to. There is room for both. “

From the standpoint of our insurance broker should be happy, we make a really good balance but we know that next year will be a tough year if we take as basis the fourth quarter of this year, a final period where we really noticed abrupt adjustments in the insurance market.

The rules have changed, our relationship with the companies, the aggressiveness of the market and the perception of clients over the contracted services are factors that will determine the future of this new year started.

If a particular segment of the things have not changed too much over other exercises can not say the same thing with regard to business.

It is a known fact that the customer no longer assumes, without discussion of the premiums for insurance renewal, they know that there are many companies whose main objective is to capture customers from the competition which results in a price war (this is debatable).

Crisis assessment of a service ceases to be as important as the economic cost of this from our point of view is wrong, but we should understand the approach to the situation where there are many families. In any case, as insurance brokers and due to the fluctuating prices of different companies have tools to care for both our customers and to attract new balancing the demand and price our services.

Another issue is quite different from those risks associated with the Companies (multirisk, RC, Bus, …), here the thing, and varies greatly. It is true that the construction sector is clearly in recession, which directly affects the insurance products but is also linked to the channel companies that there is no war premium, there is no reference to premiums and many times as we say in our discussions with the companies “Sirs unfortunately we do not make the prices so do not blame us for the infidelity of their customers.”

On the positive side we have that in the same way that you must defend your client is a high possibility of a new collection. Companies account for 625 of insurance premiums is a review like that of other suppliers, is to look over an account in its policy of cost savings that may not be looked at very closely in the past, but again to insist that we are at another juncture (either real or anime). That we therefore predicts that the year will be a great year with a trade component for professionals in the mediation.

Finally we do not want to end this review without referring to our beloved channel banking insurance. These take the palm on the aggressive in attracting customers, this issue discussed at length in this blog. We know first hand that has not been a good year for the direct sale of their products (personal loans, mortgages, ….) And that the objectives are focused on selling branches, sell and sell all kinds of insurance. But this should not contracting, we understand that the market is large and that the figure of the professional mediator wins prestige over time.

In short we face a year with many curves that we hope to overcome them effectively, but as we started and the experts are saying in this matter and clarify the rules may change again at any time.

The automotive industry is one of the hardest hit by the current economic situation and this is beginning to be felt in all its ramifications. In a recent conversation with a head of a workshop I commented that mark important data on which it had not fallen and that the current problems of these companies is not limited solely to a drop in sales of vehicles, repair of small minor damage type minor scrapes and bruises (one of the most profitable) are starting to fall and the reason is the linkage of such repairs with insurance against all risks.

The relationship is pure logic, by reducing the sale of cars is reduced recruitment of insurance, since this is a strong links to vehicles with no more than 3 years old. This makes minor repairs to be out of the consumer’s pocket instead of insurance companies and not be a priority for the operation of the vehicle to stop with the consequent reduction in workload for the workshops.

Collateral damage that directly affect our industry and a branch as important as the automobile.

The other group is composed of the technical operation of its own insurance.

The reservations of the first group are designed to increase the resources of the company, prevent future losses or to make subsequent distributions between partners or shareholders. In contrast, the technical reserves are not responding to these purposes and represent a liability or commitment by the insurance company, putting well highlighted the essential difference between the two types of reserves.

Provision for current risk: A certain portion of the premiums paid each year on insurance if any, are transferred to this reserve. For each of the classes of insurance that is operated using a pool of this nature, both direct insurance and for reinsurance taken.

The insured to obtain insurance, acquires the obligation to pay the premium in advance. Do immediately or in installments, the fact is that the company has an active mass of values which must deal with claims relating to policies issued. Casualties occurring in the year of issuance of the policy is credited with the mass values. But you may find casualties in the exercise later. Therefore, to meet its payment is necessary to book in premiums each year, a certain proportion, which is credited to the Reserve of current risk of each of the possible insurance.

On the establishment of such reservations apply the following rules:

o In general, for any insurance risk must reserve 80% of premiums, net of reinsurance and cancellations, which are representative of the risk does not run at the year end.

In marine insurance or who is hired by the travel booking is made by total premiums, net of reinsurance and cancellations, for the last two months of each year.

o insurance and fidelity guarantee should be reserved for 40% of net premiums each year and an additional 15% on average net premiums for the past three years.

Math Book: It is for life insurance. Theoretically these insurance premiums, given their nature, should be raised continually, by the greater likelihood of death of the insured as time passes. But if so do life insurance would be prohibitive from a certain age. To avoid this inconvenience insurance companies receive premiums or half flush. Mean that an insured will pay their premiums too early with respect to what is appropriate for their likelihood of death, and pay lower premiums after a certain age. The amount paid in excess during these early years, is the premium savings. With this and the part that takes the risk premium, as well as accrued interest, is the mathematical form of insurance.

Reserve for outstanding claims: This reserve is credited with the amount of claims reported to remain in the process of settlement and for this reason have not been paid, whether direct insurance or reinsurance.

Life Insured Accumulation Fund: this fund is credited to the items to be distributed among the policyholders of the Life section as fringe benefit under the conditions stipulated in the policies. These items can be useful in this Section or income thereof shall affect this end.