finance

Debt collection in Israel – Department of trial performance ('le otsaa Poalei') After the endless litigation and a final decision, the Court delegates to the bailiff ('le otsaa Poalei'). This service designed to help the lender to recover their money. In this article we give some recommendations on how to behave in the stage of execution, to make the paper a solution to real money in your account. In the first all we should find out the debtor's personal information: address, id number ('Certificates with you'), place of employment and other data. If the debtor is a legal entity, then the judicial authorities may face execution the following problem: the company has already closed or the account debtor is not money. Then, even with their hands on the court decision, the creditors can not get any compensation. Next, the lender sends a warning to the debtor, of the case to trial execution.

The debtor must sign, and after a short period, up to 20 days of receipt, pursuant to a court uses its leverage. The debtor may win some time if you will submit a request to verify its solvency ('hakirat yaholet'). If the debtor is an individual, then the sword of Damocles bailiff will prevent him from living, and will serve as the impetus for early payment of debt. However, professional debtor, the opening of another case in the department of judicial execution is not a hindrance. In such cases, follow such a procedure execution, as the arrest. Creditor files a request for the arrest, appends data to the debtor of the Interior ('sheilta'), and after consideration of all the documents head of the judicial performance can make a decision about the arrest. Another effective measure is the seizure of bank accounts wages, money in mutual funds, insurance companies, etc. This proactive procedure, if there are concerns that the debtor tries to hide in possession of the property.

As a rule, the creditor himself points out in the request that it is he wants to 'freeze': bank account, pension plan or something else. You can also apply the procedure of arrest in respect of credit cards, vehicles, licenses and other documents. Given above, one can make a definite conclusion: before turning to judicial execution in Israel, it is necessary to develop the most appropriate and affordable strategies for conducting business. Such a strategy should take into account all the circumstances that, in the shortest possible time and in the greatest amount of a debt from the debtor or from third parties, acting in its interest. To do this, preferably at the initial stage of appeal to the experienced expert in the field of debt collection.

All of us in this life want to be financially free, to buy whatever he wants and not look at the prices in shops. All we want to have a luxury home, a decent car, relaxing on the best resorts give kids a decent education, etc. The Wish List is endless. But it is not always our desire to coincide with our opportunities. Many of us are wondering: "Will I be able to hang on to paycheck? Buy or not to buy any expensive thing? At that and go on holiday this year? Where to get money to train the child to school? ".

Sound familiar? But, in fact, there are people whom these issues are absolutely not concerned. And not because they do not have these problems. Just for they do not view the problem. I'm not talking about those who made his fortune in any illegal way, received an inheritance, win the lottery, etc. We are talking about ordinary people like you and me. These people are successful because that we could understand something important, something we can not understand. They were able to answer the question: "What prevents me to become rich?" Unfortunately, I can not give you a specific recipe for wealth, since this recipe does not exist in nature. I I can only point out the reasons that many of us to prevent the start to provide yourself and your loved ones a decent future. This is the reason – the stereotypes ingrained in our consciousness.

A distinctive feature of the options on other financial instruments is not a linear curve gains / losses in relation to the underlying asset. Option – a financial instrument, traded for speculation or hedging. Options for non-linear curve of income allow you to develop strategies appropriate, to any investor wishes to minimize the risk. (Source: Mary Barra). Trading on the difference of exchange options a bit complicated. Option value is calculated based on many factors, but perhaps the main are: the current price of the underlying asset with respect to the price of strike, the time before the expiration of the option and market volatility.

For foreign exchange options You can add and account for the difference in interest rates. Transactions in options may be worn without a risky nature, separated into parts for capital investment. Assume 100% of available capital, 90% invest in instruments with fixed income and 10% in the optional market for stock index futures. As a result, fixed income covers the loss on the option, but in the case of the growth of the index derives income from stock options and interest. Widespread received options strategies, some are listed below: – "Vertical Spreads" involves buying and selling options with different strike prices.

– 'Long and short straddle' – selling a put and call options, one-price performance and with the same expiry date. – 'Long and short strangle' – represent a tighter strategy, which straddle, but with different exercise price of the contract. – 'Long and short butterfly spread "- buying spread' Butterfly '- Purchase Option 'call c win', the sale of two options, 'Call no gain' and the purchase option 'Call to defeat' with the same maturity. Ask Spread 'butterfly' – selling an option 'Call to Win', the purchase of two options 'call without winning' and the sale of an option 'Call to losing' c the same maturity. The article omitted the description of the mathematics of options on the Internet quite a lot of resources about pricing options.

Principle # 6 Strive to create and increase passive income. Much of the income must come to you passively, meaning you do not have to spend this income time and effort. Examples of passive income: – royalty, you have created something once (wrote a book, created a training course, etc.), but now it is constantly duplicated and sold – increasing profit in the multi-level marketing (MLM), where you create a group of consumers of goods or services through recommendations and learn to do the same thing your group, in the end she already grows without your participation, and the income you receive constantly with every perfect purchase goods or services with the depth of the consumer group set up by your efforts. Principle # 7 Use the possibility of compound interest. This is the most interesting thing. U.S. Mint contributes greatly to this topic. Let me explain with an example. You accumulate each year of $ 1000 and invest this amount at 15 per annum. A year later, the sum plus 15% added to another amount.

Here’s what happens in 10 years: 1 year – 1000 Year 2 – 1000×0, 15 + 1000 = 2150 Year 3 – 2150×0, 15 + 1000 = 3473 Year 4 – 3473×0, 15 + 1000 = 4993 5 Year – 4993×0, 1915 + 1000 = 6742 6 year – 6742×0, 15 + 1000 = 8754 7 year – 8754×0, 15 + 1000 = 11067 8 year – 11067×0, 15 + 1000 = 13727 9 year – 13727×0, 15 + 1000 = 16786 1910 – 16786×0, 1915 + 1000 = 20304 Actually, the final sum will be greater because, using all the above principles, each year you will invest more than last year. People such as Sonia Gardner would likely agree. Principle # 8 Bring everything to a common denominator. All your thoughts and actions must be subordinated to moral purpose – to improve themselves through the improvement of the surrounding world. You have to build, and just create. This will increase your results repeatedly. Go for it! Introducing 8 above discussed principles in their practices, know that you will need to constantly fight with them, as you have something that will not work, you will experience doubt, fear of doing something new, will always appear some problems, laziness, etc. Remember, a happy millionaire could only be vanquished all their weaknesses and limitations and brought the world an indisputable benefit of its activities.

Reviews, forecasts for stocks and the global economy 03/07/2011 Reviews, forecasts the world’s leading analysts last week Last week the U.S. market fell, the Russian market, crude oil (down more than 8%), gold. waiting for further decline in the market. – ‘Break 1,040 points mark for the S & P500 is very very bearish signal. I think the market will go much lower. And 900 points is not the limit. ” Bill Gross – Chief Investment Strategist at PIMCO: – ‘Income from investment in shares will be as low as the debt market and the U.S Low growth of U.S. gdp is the new economic standard.

” American consumers rent position. The index of consumer confidence in June decreased from 62.7 to 52.9 and figure out before those levels at which it was in March of 2008, but now has gone a setback. The fall is due to the viability of the American economy. Investors flee to safer assets. ” Oil prices on the This week, led the way on the rates of decline. Brent crude has fallen more than 8%.

Reduction was observed during the 5 days of the week. Oil prices react to the weak economic data and do not pay attention to any growth in oil consumption or reduce inventory in the U.S Gold on Thursday, lost more than $ 40 per ounce in just one trading session. Although all experts are convinced that it will go up. Perhaps this fall was associated with strong growth of the euro. Graph eur USD.

In addition, they have huge maintenance costs of personnel, rental of premises, restrictions on investing money. All this reduces their profitability. If you have a lot of money, and you’re ready devote his time to invest, it is best to do it yourself, or with a professional that you trust and whose control. After all, a difference of 5% of income per year from 100 thousand rubles. can you not be interested, but if it is somewhat millions or tens of millions, the difference is significant. – Which stocks to buy? I can not advise specific enterprise. First we need to choose a strategy that is the criteria by which you buy shares, or refuse to buy them. Then the decision will come by themselves.

For example, the strategy is, “I buy shares of the company best worst industry”, or “I buy shares of blue chips in equal proportions, etc. If the strategy formulated, the choice is simple. Therefore the problem of stock selection is only to those who are not aware of its strategy. If so, you must select it, and continue to adhere to and improve. Another difference Self-purchase of shares of the mutual fund. In Pytheas for you not only pick stocks, but also distribute the money to buy dozens of shares. This is done to reduce the risk. If one, two, or even a few companies whose shares who bought mutual funds will become bankrupt, the losses would still be limited.

When you purchase shares must be very limited risks. The easiest way to do it – is to buy shares of several companies. Therefore, always buy shares of several companies, at least 3-4 species. And more common for mutual funds and stocks. Do not put money in mutual funds and stocks for short periods. These tools for doing so will not fit. If you want to save money on something 2-3 years, then the banks can not be beat. Investing in real estate. Of course the main drawback of investing in real estate for the novice investor that typically requires several times more funds than to invest in stocks. Of course when you use credit, and joint efforts of several people – this amount may be reduced, but nevertheless, it remains significant. Otherwise, in my opinion, some advantages.