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Sunday, January 5, 2014

05:11 Tennis: Cibulkova did not advocate the final in Sydney, 1 round lost to Kerber 04:20 China: P

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Bratislava 27 December (TASR) - The balance of anonymous passbooks or bearer passbooks clients can bank in Slovakia to apply only to the end of this calendar year. Money, of which 31 December 2013 no one answers, then forfeited to the State. Customers you have, if the final payment request in a bank branch. For example, ČSOB branches will be also available to clients 31 December 2013 12.00.
The money for anonymous passbook can ask anyone and submit it to demonstrate the proof of identity. "However, if the book recorded the password, the applicant should know the password. If it can not, must prove that he belongs deposit. Example, if you submit one who passbook based, it is sufficient proof of identity and bank shall verify the identity, "explained spokeswoman Zuzana CSOB Eliášová.
Where the applicant is the founder passbook must be shown to a final succession decision or decision of a court to determine ownership. Otherwise, the funds will be paid to the applicant.
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05:11 Tennis: Cibulkova did not advocate the final in Sydney, 1 round lost to Kerber 04:20 China: Panic at the mosque claimed 14 lives a 03:37 Switzerland: Four people were killed in avalanches in the canton of Valais tom davis 02:31 Italy: The former center-left leader Bersani suffered a brain hemorrhage 1:19 USA: One dead and Two injured in plane crash in Colorado 00:57 Syrian opposition once again elected President Ahmad Džarbu 00:02 We need to split the moon? 00:01 Iraq: The fighting in Iraq's Anbar province, killing at least 22 civilians 12:01 Former Russian oil tycoon tom davis Khodorkovsky moved from Germany to Switzerland 12:01 If the monitor appears to prompt payment of ransom, some have Trojan horse
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Beijing 6 January (TASR) - At least 14 people dead and ten wounded required a mass crowd, which erupted Sunday in a Muslim mosque north ... read more ...
Vatican 5 January (HSP / Photo: TASR) - The Catholic Church educates a new generation of exorcists. According to the Czech Internet portal iDnes.cz after The Exorcist "demand" because any obsession ... read more ...
Bardejov Spa came euro on Western tourists, the SR is important but
Slovakia 5 January (HSP / Photo by Mary Capáková) - I found myself, as the ear cotton swab Color marzipan MySky ears pink. Some things for the intended irresistible. And not even a protest. It's just we humans too often we deal with the fact that we live, how we live and what ... read more ...
World 6 January (RUVR / HSP / Photo: tom davis TASR) - Experts predict that in the mid-21 century will be the seventh month of its kind in the continent of Earth. They will be there to colonize different regions ... read more ...

Saturday, January 4, 2014

Local parliament uptown cheapskate voted in Samokov to be deposited as collateral on behalf of the

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Municipal Council uptown cheapskate did not change and waste tax reduced from 40 to 60 percent of the motor vehicle tax for the different environmental categories. No allowance was voted for Sofia Stoyanova to participate in the Children's Festival of beauty and talent in Moscow
Local parliament uptown cheapskate voted in Samokov to be deposited as collateral on behalf of the SCC until the legal dispute with a company SD "Lobo-AK Lobutov, Konyarski sie" uptown cheapskate sum of 413 377 lev Sofia Appellate Court sentenced Samokov uptown cheapskate municipality to pay the said sum of same company, otherwise it will be seized municipal account.
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Kyustendil region ECOC BSP leader Ivo Atanasov nervous: What is the meaning of love messages and persuade some just sex ... To want to sew: a broken stroller mother must lead to rehabilitation of sick twins Rajdavitsa to Kyustendil Mass fight in the city center, hamsters from the town of Rila is one of the detainees Frantically pushing Bishop for Sioniy Nevrokop controversial Metropolitan Metropolitan Gervasio goes Bansko and Razlog Mummers blackmail population of Blagoevgrad Municipality of Pernik and Kyustendil will decrease more than twice the 25-year-old swept Russian family in Bansko, 951 babies were born in Kyustendil in 2013 World Bild: Germany uptown cheapskate can not solve social problems of Bulgaria and Romania, said Elmar Brock world can not get enough of BG stars and talents called Pope: Remember the key words - I'm sorry, thank you and sorry! Ohio doctor raped and killed a woman with heroin in late pregnancy Bulgaria Boyko Borissov: Nobody but GERD can not resist the ugly coalition BSP, DPS, Ataka crutches and their locations: DPS will remove all shadows of authoritarian government issued debt impact 900 million lev Tomislav Donchev became treasurer of GERB and Tsacheva formed uptown cheapskate up against Sergey Boyko deputies in the EP
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Friday, January 3, 2014

Average annual salary: $ 130,100

14 highly paid but useless to society jobs | Manager News
Whether your profession will make the world better? Such a question asked by sociologists consulting firm Payscale employees in various sectors of the U.S. economy. And this is what came out of the results: those who receive higher wages and at the same time do not consider their profession as useful to society, are most often employed in sales, budgets the financial sector and maintenance.
"They do not treat people, not help the poor, do not teach children - Katie Burdarite noted expert in Payscale. - They are the most common "white-collar" and their work is aimed solely at increasing the profits of the company. "
Average annual salary: $ 130,100
Considered useful by 33%
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On today's date, January 4. 136 years of the liberation of Sofia
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Double scandal zaformiha ruling and opposition northern trust Damogila during the extraordinary mee

Once round between councilors and mayors ofDamogila and White - Morning Newspaper

Double scandal zaformiha ruling and opposition northern trust Damogila during the extraordinary meeting of the municipal council on Thursday, which voted for the draft budget of the municipality in 2013. Mayor Nikolay Hristov was accused of GERD and coalition "One for Two mounds" in a complete northern trust lack of transparency and accountability. Moreover, by 9 votes "abstain" and 7 "for" the draft budget was returned to the administration for processing. The financial document was adopted a day earlier in Byala, where tensions between the mayor and councilors Nikola Kelerdzhiev is not new. The charges against the mayor dvemogilskiya Christ are about one year his silence on the progress northern trust and activities to be implemented in two projects under the Programme for Rural Development of almost northern trust 5.25 million lev. They earned more in 2011 and provide for village renewal Batishnitsa, Buzovets, Baniska, Chilnov, Mogilino trace. northern trust Session councilors GERB read a statement. In it they stated that they support the declaration of his colleagues from the coalition "One for Two mounds" on the same subject submitted a week earlier. Furthermore, the present Christ to them with all the documentation has been done on the draft within seven days. Otherwise, northern trust will require a court order. "Four or five times we question northern trust of development projects," said a "Morning" President advisers Christina northern trust Efimova. Always, however, they are explaining that run appeal of procurement and not give them any explanations. "At each session are asked and I always northern trust gave them information," countered the mayor of Christ. He also explained that if in fact running appeals, there is nothing to answer the questions, and everything else was arm-twisting. According to Christ does not need counselors to inform every punch and to carry folders with documents, they insist. More so in 2012 they decided the mayor to inform them about everything in the municipality, which was later declared illegal by the court. "Whoever wants to come and get acquainted with the documents that interested him, no one will be returned," was adamant Christ. And explained that weekends will be made open letter to the citizens with an explanation northern trust of the causes of tension in the two mounds. The draft, which actually brought counselors in institution was not accepted because of planned unrealistic revenue explained Efimova. So swell and costs should northern trust also be reduced accordingly. "In the regular session did compromise draft and complied with the demands of GERD, but even then they change again not impressed," said Christ. northern trust Allegations that it planned revenues were unrealistic, the mayor said as post economic illiterate. And explained that the adoption of the draft is not a pain to die, as the municipality is working perfectly normal and in this situation. Only members of the Board receive no remuneration, as required by law. GERB-Damogila disagree with the size of the municipal administration, which is the same as last year, but according to them should be reduced. An example of this need was the presence of Director of the "European project" and another employee who engaged in this activity, northern trust and in the draft no penny programmed for participation in such projects. "What then is this department?" Efimova northern trust is at a loss. "Very limited man upstairs can tell that from the Department for European projects do not need," said Christ. That budget will not programmed for that, does not mean that there is no need for people to move projects underway and to which the Municipality is committed. Counselors in White also resisted once again the mayor Nikola Kelerdzhiev and adopted draft in 2013. Apparently there is set a second round of voting financial documents in extraordinary session. "Already started the campaign northern trust and all weirdos," said a "Morning" northern trust Kelerdzhiev. The opposition of the budget in the face of advisors northern trust from GERB and NMS like two major changes in the document. The first was to allocate more money from the treasury of the municipality for the municipal hospital. "Why are additional funds provided that the hospital will be equipped on a project to 4.5 million, and the total will provide more 280 000 lev for this purpose," a loss at Kelerdzhiev. Like it raises astonishment at the second request of councilors, which states that the municipality should allocate additional funding northern trust for students to state-delegated maintenance. According Kelerdzhiev if such requests are accepted, the citizens of White will be charged with more taxes for health

Thursday, January 2, 2014

Now for the development of personal financial advisors. If we follow the successful example of the

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As we saw in the previous article, first command I pointed to the profession of personal financial consultant. Now I'll tell you how I see things and how I think will develop this activity in Bulgaria. Before that, a little background. Know that you are hesitant to change the name of the site, whether to make a new and what exactly area to target. Opportunities in front of me were two - personal finances or business.
While the thought occurred some events that turned me into the current (correct I hope) direction. The events were two meetings with people who want to develop the profession in Bulgaria and have the necessary zeal and desire to do so. The meetings took place really constructive and soon expect things in this area to move. Development of the profession in Bulgaria
For starters, I think that Bulgaria, as a developing country and the EU follows the steps and go to "civilize". Indeed, in some areas are very backward, but we confident steps forward. I can give you many examples first command of goods and services that were in a zone, "This can not happen in our country," but already have them and enjoy an enviable popularity. I want to say that Bulgaria nothing is unique and sooner or later what it has in the West will come here.
Now for the development of personal financial advisors. If we follow the successful example of the various business organizations and foundations, we must begin with the promotion of this topic in society. At this stage, there is simply no market for such services, because no one knows what kind of "animal" is the consultant. Have reinforced free seminars and meetings to learn about the people how important it is to be able to put in order their money and increase them, not just to complain. This first phase will last between one and two years if people and markets are "ripe" for the idea (and there are signs of this).
The second phase is to screen out people who will realize the importance of the topic and want to learn more and more complex things about the world of finance and how to manage their money. They will now tend to pay a not very large sum to participate in lectures and seminars "advanced." Entrepreneurship, there are already similar first command programs starting and developing a business. Of these participants are introduced to specific techniques and methods that apply to their own projects first command and ideas. Course prices are not low, but there are quite willing.
The third phase can now offer individual counseling to people from middle and upper classes who find true meaning to increase their financial IQ and increase their wealth. first command This niche in Bulgaria is rather limited, but to develop a successful business as a personal financial advisor you do not need more than 40-50 clients (it will be difficult alone to serve more), which offers the possibility of honest and impartial advice at all times of the day (if needed). Beginning of this phase see her after not less than three years. What is the relationship first command of personal financial consultant business
As I wrote in a previous article, start your own business or offering advice in his spare time, is a natural event in the life of every person. With the accumulation of knowledge and skills we become first command experts and our relatives first command started us looking first command for advice in a particular area. Why not make these tips in either primary or secondary source of income? If you already have a financial advisor will not give his services just because you started a business, first command right? Even his advice is even more important to learn how to separate personal from corporate money, what to do with the company's profits and others.
Yes, the owners of businesses have accountants and financiers, but they do not interfere in their personal first command finances and would not have given them advice on how to spend their money. Here, the role of personal financial consultant is to make the link between the financial objectives of the business and personal first command objectives of the owner. In the presence first command of expertise, the consultant can help the client and at the start of business until it grow and be hired specialists in business development.

Wednesday, January 1, 2014

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Personal financial advisor is not a luxury but a necessity lichniyat finansov konsultant ne e luks, a neobhodimost ~ Tips suveti
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Occasion to write the following lines became my meeting with a 72 year old woman came asking for help. Her problem is its minimum pension credit and indebtedness 500%. This is just one small example of this - how hard to set realistic goals, plan properly costs, a comparison to "shop" in the best conditions.
When you buy a car, usually seek advice from autos. When you buy a property seeking the services of real estate agents and notaries. When someone trample our rights, we make a long selection of attorney looking for the best. Even when we go around the market stalls for hours to choose the best product.
What happens though, when we sign a contract for a loan or make "Life" insurance for a long period of 20 years, for example? Do not think about the consequences, problems cost us then? Watch the ads or go to the nearest office. Seek advice from those who sell and whose commission depends on the make a sale, ie not take what is appropriate for us and what they have convinced us that we need. It is very important here to distinguish between sales and advice. You also can not give the example of a client who has made "Life" but not declared an old disease "advice" of an insurance salesman. The client died before the maturity of the policy, and the insurer refuses to pay compensation to the heirs. Turn around in a vicious circle of unequal rules, procedures and contracts. We try, in most cases too late to get out of the spiral of indebtedness.
This necessitated in recent years in our country to be born and more to promote the profession of Chartered 10833 Financial Consultant. What distinguishes it from the sellers of financial services is that it works for you and protect your interests. It is your financial lawyer.
Operate in Bulgaria dozens banks, insurers, pension insurance and investment companies 10833 and all offer a wide range of financial products. But who really is suitable for you? From what exactly you need? Where are the pitfalls and traps in the terms? You can find out in advance if you hire an independent and ethical financial 10833 advisor. His job is just to help you determine your personal goals - short and long term, and you create a plan how and with what instruments to achieve them.
All you need is money - where to get them and under what conditions? Do you need insurance "Life"? What is the size? Where to insure your car and home? How to learn to save? When to retire and how to increase your pension? Is it possible to legally reduce your taxes? Have you had to take hasty and emotional decision to purchase a property, a car, even an expensive item. At this point you can fully rely on its financial advisor because it has special qualifications to predict and minimize the risk in making a major decision. In this case, I will give more examples of unmeasured risk and unexpected - a woman pulls a mortgage without life insurance. The woman died and 10 debtor remains its annual child. Man will make repairing your home. In his bank offers loans for current needs and interest protset 11.75%, and he can actually pull target credit repair interest rate 7.50%.
In Bulgaria Certified Financial 10833 Consultants are too few in number compared with the U.S. and Europe, but are available when you need timely advice. They can protect you from extra costs and save you time and money. And yet - "Everyone is your saved lev lev won."
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