Today, despite the crisis, we have come to a level of funding by banks that allows you to get credit to buy used cars in Madrid eight years. With the limitations in the hand (a Bank grants you ell approximately 35% of your net income as maximum credit) and extending deadlines, we can buy almost any car that we can imagine. But let’s be sensible, does it makes sense to seven or eight years to pay a car? Is obvious that does not. The useful life of a vehicle should be conditional purchase, and while we have it also. You can think that in eight years you do not change the car, lengthen the funding for so long ago that we should more to the Bank than is worth our car. And if you have a need, sell it not delete us what remains payable by the same.
Then there is the fact that power crediticeo of a person is limited. This 35 or 40% of monthly net income is our capacity for payment of credits in combination. That is, if we spend all our capacity crediticea in a car may not ask another bank credit for adding it. Come on, that if throughout this long (very long) period of eight years gives us by buying a house or we have another kind of need, we will be completely limited in our choices. Today we present, in our view, a good guide to how much you should spend on our next car, depending on what you entered, and depending on the devaluation of the same. As a general rule, and with Eurotax data and other specialized appraisers with whom I have worked in my experiences of pricing and purchase and sale, we estimate two data to calculate the average of a vehicle depreciation after your purchase.
Throughout the first year of purchase, the car lost 39% of its value, approximately, and in the set of the first three years its devaluation will amount to 60% of the original price. Certainly, in cars exclusive, limited editions or with long waiting lists, these devaluations may run less, but in terms generals, the most sensible thing is to stay with these figures. Under the circumstances, the logical thing is to finance the car in a way that in case of having to sell it by the appraised value, we have enough or more with the money that we perceive to cancel what we have left of credit. To do this will place proposing a method that is valid for the majority of cases. To control the devaluation of the car, and face to make the acquisition, the first thing that we should have are starting savings. Theirs would have around 20% of the total cost of the vehicle in cash as an input for the same. From there, the optimum is to have funding to a maximum of four years. This way each year we will pay 25% of the credit, so we will compensate largely loss of value of the vehicle, although the first year won’t it at all due to interest. This formula is very useful to have a comfortable life, as it prevents us financial uncertainty. In case of losing the work or have an economic problem concrete, always can get rid of the asset which represents car and free us from their financial burden. But how translates this into an example in the real world?
Actively do technology development of crusher Living in an increasingly competitive modern society, development strategy can be treated as the soul and program of long-term development, the correctness of its development strategy is related to the success or failure for business directamente. Therefore, the formulation of development strategies have to be related to the current situation of business, but also close to national policy and market demand. Though, it is hard to stick to innovative road in the competitive market, Hongxing always permeable keep belief and overcome various difficulties. The enterprise successfully developed China s first mobile crushing plant in 2008, solve the future problems of the social waste disposal, has a good social significance and fill the blank of domestic crushing machinery in the field of mobile equipment and technology; all products produced by the enterprise get through the ISO9001: 2000 international quality management system certification; the company trademark is selected as a famous trademark both in Zhengzhou City in Henan Province and; and won the reputation of the best sets of gravel equipment. In 2012, Hongxing mechanical decide to do a big move and a big investment in technology research and development.
According to the reporter that, before June 2012, Zhengzhou Hongxing has launched large jaw crusher, large Impact Crusher, cone crusher impact crusher and large; with the model upgrading of large-scale equipment, mobile crushing plant will also be upgraded. The chairman of Hongxing mechanical, Yang, said: industry technology development is a long-term work, it needs to closely integrate with the market. Especially for scientific research achievements working on productivity, it is also a longer process; We must submit recent and long-term goals, so that we can really play the role of the R & D center. While improving product added value and establishing the corporate brand, Hongxing also want to set a good example for the whole industry..
The covers for mobile phones are made mainly for the protection of your phone from bumps and scratches, but the aesthetic touch is sometimes more important than its main function. There are covers for mobile phones free of all kinds, quality, material, and size. From the typical black, until the wool in colors and an infinity of models more plastic and leather. Protects your mobile phone and gives a personal touch through the covers for mobile. There are transparent plastic covers, bags of leather, rigid duvets, pillowcases sock of tissue, of fantasy, of all sizes and for all tastes. You will find a wide range of covers for your Nokia mobile phone. Dressed in a hard cover to your Motorola or take a hard case for your Samsung. If you do not have a case for your Sony Ericsson mobile phone or are looking for a cover for your mobile phone Motorola, Siemens or Sharp visit any store on-line for mobile covers.
The Funbags are duvets Universal compatible with various mobile devices such as cell phones, iPhones, Blackberry and other smartphones, iPods and MP3 players, camaritas digital and more. Protect and complement the daily mobility of these appliances, and its design allows for greater comfort in the use of the same. Another option is to protect your mobile phone with a custom cover, these things usually us laziness, you choose the fabric and design that you like and create it yourself. In certain stores on-line for pillowcases offer the option to customize your jacket with a photo. Choose the cover that you like and plasma photo or image that you’ve sent to them previously. With the wide range of telephones grows the need to purchase a cover for your phone model, therefore there are lots of stores online-dedicated to the sale of mobile sleeves and tablets. Now that the summer and walk closer to the water than the rest of the year, we have to be careful with our mobile if we don’t want to see how wet and they end up in the trash. Although there are currently covers against the splashing water and falls within this from different manufacturers, shapes and materials, in general are all very rough, ugly and even useless.
In particular is used, firstly, a strategy overview in which therapist returns to the patient the information it provides in summary form so you feel understood. Likewise, the therapist seeks to constantly display an attitude of reflective listening, expressing the patient statements of appreciation and understanding about his problem with the goal that feels heard and understood and strengthen the therapeutic link as well. This attitude of understanding is carefully combined with indications related to the possibility of overcoming many of their problems through the abandonment of the consumption of alcohol.Alcoholism is linked with the denial of the problem by the patient and, as a consequence, the treatment starts by the recognition of the problem. It is advisable to convince the patient that is put in treatment when she is sober, not drunk. The biggest current problem in the treatment of alcoholism is not so much creating new therapeutic techniques how to design strategies of motivation for therapy.
When you get an excessive drinker to recognize their problem and put into treatment, the chances of recovery are reasonably high. According to Prochaska and DiClemente motivation for change as regards access by an alcoholic treatment consists of the following phases: a) lack of awareness of the problem, b) assessment of the problem, c) decision to change, d) home of the change, and e) maintenance of change. The achievement of small accomplishments at the beginning of the intervention is essential at the beginning of the treatment so the patient perceived that the beginning of the treatment has resulted in some change.(B) phase of detoxification. The goal is to eliminate physical dependence. It lasts between two and four weeks and she deletes syndrome withdrawal symptoms associated with alcoholism. This phase may develop outpatient provided that the patient has a good motivation for achieving abstinence and close family support to help during detoxification or internment regime when the patient has difficulties to achieve abstinence.