Reprise de l’atelier de jus de pommes le 05 septembre 2015 à Volmerange

vendredi 4 septembre 2015 par Thierry J

Reprise de l’atelier de jus de pommes

L’atelier de jus de pommes de Volmerange-lès-Boulay reprendra ses activités :

samedi 5 septembre 2015.

Les réservations et les prises de rendez-vous se feront par téléphone au :

07 82 59 02 77.

Nous vous rappelons que l’atelier fonctionne trois jours par semaine :

les lundis, mercredis et samedis de 8h à 17h.


Forum

  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    28 avril 2017, par sherle sherle
    Tips for Purchasing a Foreclosure The housing slump that has affected the country over the past few years has created a large supply of foreclosed homes. SG tel
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    28 avril 2017, par ornell ornell
    Review Slingly Review Scam or Not Quick Access http://imwarrior.site/SlinglyJV.htm Slingly include 3 very important pillars : all the software tools & services (like the print on requirement service), the training and a great community of other e-commerce entrepreneurs. So Slingly goes beyond giving you the software tools to grow your eCommerce web site further, it also provides in-depth training to be successful with your eCommerce store. What is more, you will join an awesome community with extremely experienced and like-minded business owners. This way you can learn from the greatest and try brand new methods to run your online shop that you probably did not think of. Slingly is a complete platform where you can find all the things you need to create a prosperous eCommerce store with lots of product sales. The great thing is that it has already proven itself. Slingly is actually edition 2.0 of Commercify. Commercify is a very successful e-commerce membership site that has assisted many eCommerce owners with lots of tools and training material in 2016. All these equipment and training videos will be up-to-date and available in Slingly. The particular students of Commercify not only achieved success within a few weeks, after about one year, in this particular year 2017, they still have a long term passive income stream using their eCommerce store. Thanks to Shopify and WooCommerce we can today set up a store on the internet and get a slice of the billion money pie of the eCommerce entire world. You can achieve success much faster along with eCommerce than any other type of online type of business. Ricky Mataka solved all the issues that we encounter when we set up a Shopify or WooCommerce store with a NO EXCUSE done for a person platform where everyone could get in and start selling, they have as simple as that ! Ricky Mataka’s Commercify - Slingly Automation PlatformOne of the biggest hurdles many customers encounter when running successful e-commerce shops is the tech large debt to set components up on various sales platforms such as Shopify, Woo Commerce, Click on Funnels, also fulfilling these items and working out profitable margins.We solved those difficulties with a NO EXCUSE finished you platform where your subscribers at the base level can get in and start marketing, its as simple as that will ! Not only do we have incredible period tested software that we use everyday in house, we turn our customers into power-sellers and give them the same opportunity to mange inventory, create items on the fly, resource products through our system and so much more. Be sure to check the Product & Features page for demos and more details. Quick Access http://imwarrior.site/SlinglyJV.htm Search terms : Slingly Review + MASSIVE BONUS Slingly - Slingly Review Slingly - A Honest Review - Is Slingly Scam ? Slingly Review - By Ricky Mataka Slingly..Does it Really Work ? Slingly Review Tutorial Slingly Review Bonus Tutorial Slingly Review - Must See Before Buy Slingly Tutorial Review Slingly Review Ricky Mataka Slingly Review Ricky Mataka Slingly Review Rebirth Commercify 2.0 Review Slingly Review Scam or Not Slingly Review Slingly Really Can Work ? Slingly Review Slingly Really Can Make Money ? Slingly Review Best Ecommerce Software Slingly Review Best Ecommerce Tools 2017 Slingly Review Ricky Mataka - The Best Software To Success in Ecommerce ? Ricky Mataka Slingly Review Rebirth of Commercify 2.0 The Best Slingly Review Ricky Mataka Complete Tutorial Slingly + Real Review Ricky Mataka Real Honest Review Slingly Ecommerce 2017 Don’t Buy Slingly Rikcy Mataka Before You See This Slingly Review Complete Tutorial Slingly + Real Review Ricky Mataka For Quick Access Slingly Review Slingly Review Ricky Mataka
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par mercy mercy
    With living expenses on the rise and family incomes falling, more people than ever are now looking for ways to cut costs at home. Pair this frugality with the increased popularity of going green, and it’s easy to see why composting toilets are becoming a widely accepted alternative to the standard flush toilet. Not only are they environmentally friendly, but they can also save most families a significant amount of money on annual water and sewer or septic costs. The apparent gap between ones dream house and reality is due to the lack of proper house planning. House planning rests on a thorough insight of ones preferences and requirements and it incorporates both inner as well as outer spacing. Anyone who’s done a little research on the topic of composting toilets has undoubtedly stumbled across information about sawdust toilets, sometimes also referred to as homemade composting toilets. In this article, we’ll make some important differentiations between the two, as well as address some basic pros and cons of each system. No matter what your home building dreams are, you need to have a plan that you can work with, a plan that matches up to your vision, a plan that can be executed without error - a plan to make your future home what you want it to be. If you are considering building your own house, a house plan is of the utmost significance. How can you construct a house excluding a plan ? Each and every construction project requires a plan or design because without a design, all would be in disorder. For people who wish to proceed with constructing a house, the most fundamental element to be taken into account is the house plan. In almost every major real estate market in the country, prices for new homes have increased by double-digit amounts for the past few years. This has sent the price of new and used homes through the roof. Millions upon millions remain stuck in the dead-end rut of the rental game due to these skyrocketing home prices. But one way that you can possibly end the rental nightmare or perhaps even upgrade to a larger home is to use floor plans and start from scratch ! In recent years loft conversions have become an ideal method of enlarging your home. In general, the technique refers to adding extra space to the house without bearing the hassles of creating a new build. Loft conversions are usually implemented within existing building structures in accordance to the buildings rules and regulations. The bedroom is possibly the singular and most important room within the home for decoration purposes. This is due to the fact that the bedroom has to be as tranquil as possible to ensure you receive a goods night’s sleep. With this in mind it is paramount that you create a haven that is pleasing in appearance and offers the utmost in comfort. It can be difficult to get planning permission and design approval to build a conservatory in a conservation area and the more you understand about the process, the easier it becomes to find ways of receiving planning permission and approval of your design. While we cannot guarantee that following these design guidelines will lead to success, we can say that by doing so you will have a far better chance of getting the planning approval you require. The efficient u-shape plan is versatile and usually puts one’s workstation on each of three walls. The pros of this are great storage and counter space on three sides that maximize efficiency but this is not the best plans for entertaining or for accommodating multiple cooks. Major traffic jams in the kitchen ! homes for sale San Antonio
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par travia travia
    The concept of hardship loans is quite different as they belong to a separate class of loans. Roughly parallel to the debt consolidation loans, hardship loans are utilized as means of solving financial junctures. Several people have successfully used such loans during the time of economic recession. In some cases, due to the negative status of the economy, the loans did not have a significant positive outcome. But in cases where the economy is booming, this category of loans tend to be of great financial help. The results, are thus mixed.Hardship Loans for Students The most common hardship loan is the one that is given to students, and is provided by many major banks such as Wells Fargo. More often than not, students are compelled to apply for common student loans as a result of high educational fee structure. During the course of their education, they are also forced to borrow various other loans such as cash advance loan and other personal loans. After their graduation, a large number of students are in grave debt or do not have any financial means to pursue their education further. The Federal Family Education Loan Program is a program that is offered for several such students, through which an Economic Hardship Deferment is implemented. This helps the students to defer the repayment of several loans. This deferment enables them to modify their loan. In such a case, the student loan installments are subsidized or rather reduced, with the hardship loan paying a part of the installments. The hardship loan is repaid later, and that too at a very low rate of interest. In order to use such loans to one’s advantage, there are some strict qualifying conditions that are to be fulfilled by the student.Hardship Mortgage Loans Two very common real estate loans include ’hardship mortgage loans’ and ’hardship refinance loans’ that are availed by people in cases where the current mortgage tends to be troublesome. Now, the hardship loan in such cases can be used for 3 purposes, namely, refinancing, modifying the mortgage, or for consolidating the current mortgage. The process of refinancing involves differing the current installments. Any person can borrow such a hardship loan for real estate. The hardship loan amount is forwarded to the lender of the mortgage, who reduces the monthly installment. The reduced amount is then fulfilled by the hardship loan. The hardship loan can be repaid after the mortgage loan is paid off.Hardship Loans for Consolidation In several cases, loans are given for debt consolidation where the borrower is neck-deep in debt. This loan works exactly like a consolidation loan where it is used to repay some existing debt in full. After repaying all the lenders with differed payments, the borrower of the loan has to repay the lender of the hardship loan. The difference between a conventional consolidation loan and a hardship loan is that the repayment schedule of the hardship loan starts after some time, and not immediately, like it is in the case of a consolidation loan.Hardship Loans for Victims of Natural Disasters These loans or grants are utilized by people who are the victims of natural disasters. The grants are made available by Federal Emergency Management Association (FEMA) which help the victims recuperating from a natural disaster by partly providing them with the essential items they have lost and by supplying financial aid required in housing, clothing and basic food needs.Hardship Loans for Veterans Certain offices of veteran’s affairs, offer hardship loans pertaining to health matters such as medical bills or surgery, when a veteran is unable to pay the net amount. A person can inquire in their own office and obtain information on such grants and if at all the benefits are available to them.The mechanism and features of these loans differ from lender to lender and also according to the purpose of the loan. Some common variants of the loan include hardship personal loans, hardship loans for bad credit and hardship home loans. Orlando FL real estate
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par darnel darnel
    With the kind of financial situation we are facing today, it’s difficult to precisely determine the right kind of investments for obtaining a high return. The amount you want to invest and the time period for which you are investing depends on your short-term or long-term goals. Moreover, there are several high risk investment options which can be the best way to invest money short term, but then that would depend on how much risk you are wiling to take. If you are not for taking high risks, there are other options too, which can be good short-term investments. Best Short Term InvestmentsWhen you think of return on investment, you should think in the long run, but if you need short-term gains, then there are several options available. Some of them are:Mutual funds and stock investing has the capacity to give you excellent return in the short run. Traditionally stocks have given a high rate of return, but then it can be highly risky. One day, you may find the prices of stocks rising high, and the very next, they fall.Most of the top-notch companies issue stocks and shares, so you can go for them. Then there are penny stocks which you can also go for. Each of these shares cost less than a dollar, and you need to trade them within a day. You may not get huge returns, but small gains over a period of time.You can opt to buy commodities like gold and silver, whose prices are usually on the rise. This is the smartest way to invest money as they give good returns not only in the long run, but in the short term as well. Gold investment can be said to be a safe bet as gold prices remain stable even when the prices of other things go down.Trading in foreign currencies is one of those options which you can use for short-term investments high return. The forex trade market is such that you buy foreign currencies when their value depreciates, and sell them when the price increases. This is a high risk option, but can be the best way to invest money short term.If you don’t want to take all the risks associated with investing in stocks, mutual funds, commodities and forex trading, then you can opt for short-term high-grade municipal bonds, money market accounts, government savings bond and certificate of deposits.This is one of the safest and best short-term investments which you can go for. These are issued by the state government or at times by the local government, and their value usually does not depreciate. The government requires money for several projects which it may be carrying out, so it issues such bonds. So the chances of you making loss by such investments are less. Moreover, you get tax benefits by investing in this option, but before buying, make sure that you buy only from reputed agencieSuch accounts are offered by financial institutions, who in turn invest your money in securities issued by companies or the government. They earn interest from such investments, and a part of the profit is paid to you. They usually have high interest rates, but you may need to maintain a certain minimum balance, or else you may have to pay extra fees.One of the smartest ways of investing money in the short term is ’flipping’ real estate properties. ’Flipping’ means buying real estate properties which are on the verge of foreclosure and selling it later on. As the lender does not make any money from a particular property, they may want to get their money back as soon as possible. This gives you a chance to negotiate and buy the property at a lesser rate than the market value. Once you have bought it, you can sell the property at market value.So what is the best way to invest money short term ? There is no fixed answer to that, different people have different needs and preferences. The kind of investment you want to choose depends upon you, but make sure you go through all the rules, as well as the terms and conditions before investing. houses for sale Atlanta GA
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par ludmit ludmit
    The uncertain nature of the global stock markets have forced investors looking for guaranteed returns, to look for low risk, high return investments. Though, there are many such options available in the market, many people are actually unaware of them and they end up investing in high risk assets. In order to proceed with such options, you can always consult a financial planner, as they are more experienced. The options given below will help you put your money in the right place.If you are looking for safe investments with high returns, then real estate can be your preferred option. It would be amongst the options that have a low risk factor with high returns, because of the steep correction in property prices due to the economic downturn. At most places, even in the prime locations, you can get residential properties at low rates as compared to the 2008 peaks, though the situation could have changed a little as of now. As the job market becomes stable, there will be a rise in the demand, which will be reflected in the prices.Mutual funds have gained a lot of popularity in the market in the last few years. Stock market investing can be difficult and risky because of the market fluctuations, and hence investing in the form of mutual funds can be a good idea. You can invest in diversified mutual funds, which reduce your risk of capital loss to a great extent.Bank saving schemes can be a good option considering their history of providing safe and secure returns, regardless of the market conditions. Several banks have launched savings schemes, which offer attractive interests on the deposits made, depending on the period of investment. More the investment horizon, more would be the returns.If you are looking for long-term investments, then investing in bonds of large corporations can be considered. Bond holders are people, who actually advance loans to corporate companies to fulfill their cash needs for fast and successful expansion. When you buy bonds, you get fixed returns from the company, irrespective of whether it makes profit or loss. Thus, this is indeed a tool of investor protection. Ideally, bonds of government companies and private firms of repute are ideal for this purpose.Gold is another favorable option. You can invest in the electronic form, which reduces the risk of holding it physically. Gold, over the years, has emerged as the safest choice, with many people exiting the stock market and entering into gold investments for surety of returns.Disclaimer : This article is just for reference purposes and does not recommend any investments. homes for sale Austin TX
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par zygmun zygmun
    Finding an investment which is safe, secure, affordable and also gives good returns is difficult, yet there are plenty of options to choose from, with the cheapest and the first option being the savings account or a child education trust. Long Term Investment OptionsThere are several options which are good enough to choose from. The only thing that you need to do, while availing the investment scheme, is to take into consideration the authenticity and legality of the organization with which you will be dealing. This can be easily done by checking the annual reports and registrations of the organization. Such a precaution ensures that the establishment is not a scam or fraud.1. Insurance In blunt words, a life insurance policy safeguards the interest and future of your family, especially kids in case, if you pass away. The policy prevents any financial risks that might jeopardize the future of your child. Also you and your spouse should have a life insurance policy. It must be noted that a majority of life insurance plans give out certain returns upon maturity. Furthermore, a medical insurance or health insurance is also recommended. The disadvantage, is that you have to keep on paying the insurance company for a decade or more. 2. Securities The term securities is very broad, and includes high return on investment corporate stock, collective investments, debentures, corporate and government securities and bonds and lastly preference shares. It must be noted that half of these options are confuted through stock exchanges. There are two options that you can take up while taking up such securities, the first option that you can opt for is purchase and hold the stock, and just keep on enjoying the dividend. The second option is purchasing the stock, retaining it for a small time period and then selling it off when it shows very high market price. These shares and stock can be purchased directly through a broker from a stock exchange or can be applied for during a new issue.Same is the case with debentures, but the per unit cost (purchase price) tends to be a bit higher. There are some other corporate and government securities which do not operate like stocks and debentures, but are merely instruments which can be purchased and retained till maturity, problem is they cannot be sold off, one has to wait till maturity. Preference shares are a part of the stock and their merit is that their dividend is assured. Some United States treasury bills also tend to have very good maturity cost, and there is a lot of scope for the time period of the maturity. Some bills are as short as 1 year, but there are also some which can extend up to 10 years.3. Annuity The concept of annuity is a good option in cases where you are planning to finance the higher education. An annuity is principally an investment account with an investment company, and as an annuitant you can go on putting is a certain pre-decided amount on a monthly or annual basis into the account. The amount in most of the cases remains uniform throughout the time period of the annuity. Upon maturity, the company starts a series of repayments. In some cases the repayment and returns period overlaps. There are some features that annuities share with the insurance policies. For example, the variable annuity guarantees, is something that can be incorporated into an annuity. Such a grantee entrusts the proceeds to your child in case of demise.Another safe but really expensive investment is the real estate. These three long term investments for children are the safest ones and have an assured rate of return and are also very safe. The best way to invest is to plan your income, and then divert it consistently into multiple channels of investments. San Antonio homes
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par elvin elvin
    Economic crisis and a non-cured recession led the United States Congress to implement legislation, such as the Tier 5 Unemployment Extension 2010. The article below sheds some light on the provisions of unemployment extensions. The economic recession in the United States that started in late 2007, proved to be major blow for people, as well as for the economy. Not only were several people jobless, but there was also utter chaos in the financial and real estate sectors of the economy. There were countless causes of unemployment in the United States, and the Bush as well as Obama administrations were in a constant fight against the turmoil. The Tier 5 extension of 2010, is a legislation that was passed to reform the economic conditions.There were several economic ’bubbles’, in the United States economy, such as the real estate bubble and the banking bubble, that affected and accelerated the rate of unemployment in many states. In simple words, the rate of unemployment was outrageous which contributed to a number of defaulted loans, bad debts, and credit card bills. Further more, several people suffered bankruptcy and foreclosures. The ultimate effect was the fall of the economy which put a lot of hardships on several citizens.About Unemployment Benefits In the year 1932, public administrators and thinkers from Wisconsin, had reached the conclusion that no economy is stable and the ups and downs are bound to affect the people directly. Apart from this harsh truth, the United States economy is capitalist in nature, and the government rarely provides employment (except for the government employment which is very limited). The problem of unemployment, is thus, to be dealt with a Federal state joint program known as employment benefits. In the year 1935 , when the Social Security Act was passed, the Federal government encouraged the states to start the unemployment benefit schemes. As of date, there are 50 unemployment insurance programs that provide benefits to the unemployed people who had to face job cuts as a result of economic condition, or under circumstances where they were not at fault. The Federal Unemployment tax further improved the status of unemployment benefits, and it empowered the Internal Revenue Service (IRS) to collect a tax from all employers, annually, for the purpose of employment benefit. The employment benefit tax rate is 3% of wages, with the rate being increased to 6.2%. The employers also receive an offset tax credit of 5.4% when economic conditions are stable. According to the benefit programs, 26 weeks worth of benefit in proportion to wages is provided. After the 26 weeks, the Congress can pass temporary or permanent extensions, if the economic conditions are very bad. Such a set of extensions have been passed in recession period of 2007-2010, which is termed to be Tier 5 extension by the people. Tier 5 Unemployment Extension 2010 According to the Bureau of Labor Statistics, the unemployment benefits last for 26 weeks, after which the Congress can provide emergency compensation of tier 5 or more. The financial crisis saw the implementation of such successive tiers. The first extension tier was of 20 weeks, which was followed by the second 14-week tier. The third tier was of 13 weeks, and the fourth one was of 6 weeks. In the June of 2010, the United States Congress realized that the necessity of the tier 5. Unemployment extension 2010 was initially planned for 13 weeks, but, at later stage, a decision to implement 7 additional weeks worth extension was reached. People who have already used up these weeks are informally known as 99ers. The public outcry was, however, against the loss of job opportunities, as the common people of the United States have started demanding jobs, and not extensions. homes for sale
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par fowoke fowoke
    There are many people who are not aware of the secret of ’sowing money to reap money’. They are of the belief, that investments should only be done to save taxes. What they don’t realize is, if investing is done thoughtfully and systematically, it will always give great returns. But for that, gathering proper knowledge is essential. Given in the following paragraphs, is information, that uncovers for you a few secrets of becoming wealthier.Foremost, let’s get one thing cleared, you need at least a little amount of capital to spare, that can be used to invest in various investment instruments, so that you garner the desired returns. Stock Market Investing in the stock market by selecting a few stocks, through proper research and thinking, can yield good results. The stock predictions given by stock experts, can make stock market dealings simpler. This can also be one of the finest short-term investment options for smart traders. It is seen that long-term stocks, available at a cheap or reasonable valuation can give unbelievable returns to the investors.Mutual Funds Mutual funds are generally a much easier and a safer option, than playing the stock market individually. The best mutual funds would be the ’large cap diversified funds’, that helps you beat market fluctuations in a convincing way. They not only offer a lot of flexibility, but also surety of returns.Real Estate Real estate is one of the most dynamic forms of investment. You may have heard of stock prices getting reduced by 50% or 70% or even more. But, under normal circumstances, realty prices never get reduced so much. So, this reflects the stability of real estate investments both in the residential, as well as the commercial field.In fact, real estate prices can appreciate fast in developing regions, as land and homes come into demand. This makes real estate one of the best ways to invest money.Bonds Investing money is easier in the case of bonds, as you are entitled for ’fixed annual returns’ from the corporation issuing the bonds. So, even in the times of a bad market and difficult phases for the company, you will be earning the amount which has been promised to you.Gold can also be one of the options, which you can consider apart from the above mentioned ideas. In summation, I would say that you should contemplate, compare and then take the right call. Do not invest in haste, and more so, do not expect overnight results. Good luck ! open houses
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par farlan farlan
    With surplus cash ready to be invested, one is bound to look out for options which can provide the best investment returns. Economic markets are constantly in flux and there are no absolute investment options that can always guarantee high returns. New opportunities are constantly created in the market and those who have the audacity to recognize them, stand to be the winners.Financial Instruments Offering the Best ReturnsHigh return investments are intrinsically linked with a great degree of risk. So if somebody promises to offer you substantially high returns at almost no risk, you have a right to be skeptical. Let us see what are the investments which can provide you with a high amount of returns. Stock & Bond Investment Investing in US and overseas stocks remains one of the best high return generating investments. European, North American and Asian markets are slowly recovering from the economic downturn of past years and the picture is bullish again. Indian and Chinese stock markets remain hot investment destinations currently. Look at stocks as ownership investments in a business and don’t rely on just speculation to make your decisions. You are bound to generate high returns with a value investing approach, rather than a speculation based approach. Bond investment is another high return option, though it comes with a substantial amount of risk, like stocks. Mutual Fund Investment Mutual funds with diversified investment portfolios are alternatives that can provide you with high returns. Look for funds with a good overall track record and proven fund managers who have always delivered in the past. Investing In Gold Gold is and will always remain one of the best high return investment options. Gold and other rare metal prices are constantly on the rise. You are guaranteed with sizable returns, if you put your money into gold and other metals like silver. Real estate and hedge funds are some of the other investments with high returns. How to Maximize Return From InvestmentsTo tell you the truth, there is no one way of getting guaranteed high returns on any one type of investment, with one set strategy. The key to gaining high returns on investments, over the long term is to learn to change with time and adapt your strategy according to market conditions and diversify as much as possible. Distribute your cash over a wide range of investment options, rather than putting all your eggs in the same basket. Shift your cash into low risk investments like IRAs, 401(k) accounts or certificates of deposit, when investment in securities like stocks and bonds is too risky due to bear markets. Pool your money back into securities when you see bullish opportunities. For your wealth to grow at a steady rate, whatever profit you gain from your investments, should be directed towards better income generating opportunities. To really understand the art of generating consistently high returns, study the investment strategies of great investors like Warren Buffett. Stock and bond investments continue to provide the best returns to people who are smart enough to negotiate the risk involved. However, volatility is the hallmark of stock market investing and those who can make decisions based on cold logic, without letting emotions and temptations corrode their thinking, stand to gain in the long run. As discussed previously, you need to learn how to profit from stock market follies and base your investment decisions on studying the balance sheets of companies you are investing in, rather than relying on speculation. Investing in metals and especially gold remains another investment which can guarantee the best returns in the long run. Understand and remember that high returns always come at a high degree of risk and unless you have the ability of negotiating that risk, putting your money in high risk options is not advisable. Don’t fall for the hype and speculation while making investment decisions and spread out your investment money over a range of options to minimize risk and maximize gain ! Atlanta GA real estate
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par babatu babatu
    This modern luxury home in Jakarta, Indonesia is built around an interior courtyard garden. The lower level courtyard has a swimming pool and a garden. The second level outdoor space is dominated by a safety glass wrapped by a reflecting pond. The wooden front door with custom floral pattern reflects the courtyard inside. Plenty of natural light filters throughout the house with the interior garden courtyard providing a sense of peace and tranquility. rumah,taman
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par inderd inderd
    Luxury yachts are not for everyone, but, if you can afford one, it can be a wonderful way of ’getting away from it all’ without actually getting away from it all. You can pull up anchor whenever the wanderlust hits you, and sail off to explore remote corners of the world, all without sacrificing the level of comfort and style you are accustomed to.Luxury yachts can measure from 100 feet to more than 300 feet, can have 4 or 5 deck levels, and come with a host of special features, which are more often than not customized to meet the owner’s requirements. Some of these features include a swimming pool, guest cabins with en suite facilities, owner’s suite, staff quarters, captain’s cabin, spacious staterooms, study, salons, dining room, well-stocked bar, well-equipped gym, sun deck, Jacuzzi, helipad and helicopter garage, mini submarine, banana boat, catamaran, and much more. All beautifully done up by the best interior designers in the boat business, of course.If all these sound like essential items to have on your world travels, you might consider getting a yacht of your own. Here is how you go about buying luxury yachts.Research Understanding what you are getting into is the first step. Find out how many different kinds of yachts there are, how they operate, and what their special features are. Read magazines and websites. Visit shows and marinas. Talk to owners, crew, builders, brokers, and other professionals in the yacht business. Find out what kind of permissions, certificates, and other legal paperwork are required in order to own a yacht. Find out about current yacht price ranges, salary ranges of the crew, and the cost of fuel and maintenance.Once you have checked out different kinds of yachts, pare down to the one type that interests you. Find out about its particular features and operational requirements. Find out how many of these are available on the market. Compare prices. Consider if you want a brand-new vessel, which you may have to order from scratch from a shipbuilder, or a pre-owned one. Again, compare prices.Charter a Luxury Yacht Reading up on yachts and checking out yachts is fine, but to get an exact idea about how a yacht operates and what life on board is like, you need to be out on one for a few days. You can charter a luxury yacht for a short holiday and see what it feels like.Contact a Broker Once you have made up your mind to buy, contact a reputable yacht broker. A yacht broker does with yachts what a real estate agent does with real estate. Your broker will inform you of currently available yachts, arrange for reviews and inspections, and help you find the best deals possible. The broker will act as a go between you and the seller and make sure that the sales agreements and other paperwork are in order. He/she will also help you file ownership registration papers later on, and inform you on which clubs and yacht societies to join in order to socialize within the exclusive world of luxury yacht owners.Make a Formal Offer Once you have zeroed onto the luxury yacht you want to buy, your yacht broker will present a formal offer on an industry standard contract to the seller. The formal offer is a sales agreement listing a detailed and photographic inventory of the yacht in question, and specifying when you would like to conduct a sea trial, get a professional survey of the yacht done, and the estimated date of accepting and closing the deal. Along with the formal offer, you must make a 10% deposit on the offer made. This is held in escrow with your yacht broker. Then you wait for the seller to look over your formal offer and accept, reject, or bargain. Carry out a Survey If the seller agrees to sell you the yacht, the next step is calling in reputable yacht professionals and carrying out a thorough survey of the yacht. This can take several days, even weeks. The yacht is hauled out of the water and has all its parts and equipment tested. The survey will acquaint you with the yacht’s current condition and whether any repairs are required. If the yacht needs some repairs, the owner may agree to undertake them before selling or may slash the price according to what it would cost you to get them done. The survey will also give you a clear idea about exactly what maintaining the yacht will cost you. You will know it is going to be on the expensive side, starting with the little fact that you will be paying for the survey yourself. Yacht maintenance, in addition to purchase price, fuel price, and crew salaries, will easily set you back in the range of a few million dollars.Conduct a Sea Trial Now that you know that the vessel is structurally sound, you need to check its performance out on the sea. For a limited period of up to four hours, which the seller pays for, you can check how slow or fast the yacht can go, how smoothly and noiselessly the yacht works, and how much of the engine noise is audible inside the cabins.Convey your Acceptance to the Seller If you are happy with the yacht, you can now give your written acceptance to the seller. If the seller is going to make repairs to the yacht or give you a reduced price for repairs, make sure the acceptance agreement hinges on this point.Close the Sale With your yacht broker’s assistance, draw up new registration papers and get yacht insurance. Then close the sale. You and the seller will both sign the sales documents and keep copies each.Hire a Crew Now that you are a yacht owner, you can look into hiring a competent and experienced crew for your yacht. You may have to pay high salaries for a good crew, but it will be worth it if you run into problems and rough weather later on.Do over the interior Décor Your luxury yacht will come with a well-maintained luxurious interior, but if you want it personalized to your tastes, you can hire a yacht interior designer to do it over for you.Invite Guests A luxury yacht is great for inviting friends and business colleagues. Up to 14 people can be accommodated with ease and no doubt will liven up your holiday.A yacht, though expensive, is seen as a status symbol of the rich these days. If you want to rub shoulders with the rich and famous, then a party aboard a yacht can be the perfect way to inch into their circle. These tips on mentioned above should ensure that you get a good vessel, well worthy of the lifestyle you are accustomed to. real estate Austin TX
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par xueqin xueqin
    Headlines is something that satisfies the natural inquisitiveness from people concerning the occasions developing around them. The awareness as well as relevant information concerning present events are actually essential to reside a successful and useful lifestyle in today’s globe. http://k2.akademitelkom.ac.id/
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par antoni antoni
    While hedge funds provide maximum returns, mutual funds are less riskier of the two. This Buzzle article has enlisted some vital points for understanding the basic differences between hedge funds and mutual funds. Quick TipAccording to a June 2013 report in Wall Street Journal, wealth managers were recommending hedged mutual funds. These are investment instruments which utilize the strategies of hedge funds, but incorporate the transparency and ease in tradeability of mutual funds.While hedge funds and mutual funds have several similarities and both are pooled and professionally managed investment funds, there are striking differences which set the two apart. If you are a rookie investor, you must know about the difference between a hedge and mutual fund so that you can invest wisely. For example, there is an initial minimum investment requirement for hedge funds, which is around USD 1 million or more, unlike mutual funds. Also, as a majority of small investors invest in mutual funds, they are closely scrutinized and regulated by the SEC.As hedge funds often have large but fewer investors, it is not regulated tightly. Also, mutual funds do not leverage, while hedge funds do. Hence, before you make an investment decision, understanding the basic differences between hedge funds and mutual funds is very important. Here are few points that will tell you the same.Hedge funds Mutual funds About It is an aggressively managed investment portfolio, contributed to by few investors, and it undertakes complex investment strategies for generating higher returns. They are private offerings which are managed by hedge fund managers. It is a collective investment scheme where money is collected from investors in order to buy securities. They are public offerings which are managed by mutual fund managers. Rules for Investing According to the U.S. Government, only accredited investors who meet certain criteria are able to invest in hedge funds. Anyone can invest in mutual funds, anytime. Number of Investors Investors are limited to 100 or 500, depending on the funds collected. There is no limit to the number of investors. Regulated by U.S. Securities and Exchange Commission (SEC) No, they are not regulated by SEC. Yes, they are tightly regulated by SEC. Mitigating Losses Implement various hedging techniques for survival. No other option but to exit positions and convert to cash. Type of Return on Investment Irrespective of the market conditions, these aim at getting absolute returns. The returns depend on the prevailing market conditions, and their relativity to the index benchmark. Tools for Investment Include high-risk investment tools like leverage, short-selling, volatile derivatives, like options, futures, commodity trading, etc. Include lower-risk investment options like stocks, commodities, real estate, money market instruments, and bonds. Manager Fees As the nature of work is critical, they get a fixed amount of fees over and above their performance incentives. Remuneration to mutual fund managers depends on the performance of the portfolio. Liquidity They have absolute zero liquidity as they have lockup periods, and an investor is not allowed to withdraw or sell them for a certain period. They have a higher liquidity as they can be easily sold and purchased according to the wish of the investor. Performance in Bear Market Because of hedging, they perform relatively better. Mutual funds may not be able to perform like hedge funds. Disclosure of Asset Allocation Disclosure of asset allocation not required Required to disclose asset allocation in every quarter and file periodic paperwork. Marketing Efforts As there are few investors, marketing efforts are limited. Mutual funds need to undertake aggressive marketing to gain investors. Secrecy Not priced on a regular basis, and investors may keep a tab at the end of the month. Performance is priced daily and is made known to the public. Flexibility Change in strategy can be easily incorporated in hedge funds. Hence, they are flexible. Strategy changes cannot be easily incorporated. If undertaken suddenly, they will be touted as ’style drift’. Offered Through They are offered through private placement memorandum. They are offered through prospectus. Affordability Limited only to the rich and high-net worth investors. Affordable for average investors who do not have too big sums to invest. Risk and Returns They involve a greater risk, and therefore, generate higher returns. They have lesser risk, and hence, yield lower returns. Leveraging As they are aggressive in nature, they often resort to leveraging. Mutual funds cannot leverage positions. Remember that hedge fund managers are often required to invest on the hedge funds they manage, while there is no such requirement for mutual fund managers. Mutual funds are usually smaller in value, their managers do not have to look for high-yielding ’creative ideas’ for investment like hedge fund managers. Now that you know about the performance and other differentiating factors between hedge funds and mutual funds, hope you will invest wisely. columbia mo realtors
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par yashic yashic
    Real estate is one of the booming sectors and everyone wants to make a mark here. There is a lot of competition and only those with vision, passion, and the ability to work hard can achieve this success. In this field, one of the most important things a businessman should be aware of is a business plan. It basically includes creating a written outline that evaluates the economic viability of your business venture based on real estate investment. It helps you define your objectives, i.e., what you want to achieve from this particular venture. It also helps you to focus on your goals, aims, and targets.A carefully designed plan can also help you attract more lenders, investors, and banks. It makes you look neat, professional, and reliable, which is very important for the investors so that they can trust you and believe in your abilities. It also helps you to find out probable weaknesses and shortcomings in your plan that you can improve. Mentioned below is a template for it that would help you to create one on your own.Executive Summary In this section, you are supposed to write the long-term vision and mission of your venture. Here, you should provide the reader with a brief introduction to the entire business plan. As the name suggests, you should pen down the overall plan in a summarized manner. You must also mention your objectives and start-up details, along with some general information about your business.Company Background In this section, you should write about the entire history of the company, the people associated with it, and its journey so far. The kind of ownership of the company, something about its owners, achievements of the company, etc., should also be mentioned here. If it is a new company, then why and how it is/was established, who is it inspired by, etc., should be mentioned.Market Research and Business Strategies Here, you should write about your target industry, customers, and real estate financing status. You should give the detailed description of the real estate investing industry you wish to work with. Apart from this, you should also mention about your understanding about the industry and how you would like to work with a difference. You should also write about the business model you have already established or planning to design. Also, mention the strategies you have formulated for the same based on your market research analysis.Marketing Plan Here, you should mention everything about this aspect, including how you are going to market your new venture. Provide detailed information about promoting and marketing strategies, including which medium you will choose to advertise, how frequently you would engage in this activity, how much budget is allotted for advertising, etc. And to decide these things, you need to study the opponents, identify your USP, and plan accordingly. All these aspects have to be mentioned, so that readers come to know about the viability of your business plan.Financial Plan You must write how you are going to start this venture and from where the initial money is coming. You also need to mention the probable profit and loss you are expecting. You must describe the entire begetting plan with adequate details. Also, mention the sales projection and implementation strategies of all the projects. This helps the investors ensure that you are not involved in any illegal activity and that it is safe to be associated with you.Assumptions In this section, you would mention the assumptions related to your business venture and the industry. For example, you can make assumptions about the interest rates or growth rates, etc., based on the background research of the industry and your business plan. This helps the investors to understand your confidence level, as well as your risk calculation abilities. It also provides them a chance to know about your thinking process and your perception about the industry.Management Summary In this summary, you should appeal and motivate the people to work with you. This is quite similar to the closing statement, where you should mention that goals are realistic and you have the manpower and strategies to reach them. You have to write this last piece in such a way that your faith in this venture should be reflected clearly from your words. You should use promising and regressive language that would make the readers live your dream.You can personalize the above template as per your needs and choice. Use a catchy and simple language that is easy to understand. A rightly and precisely designed and formulated business plan is sure to fetch great success to you. homes for sale columbia mo
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par bozyda bozyda
    Finding an investment which is safe, secure, affordable and also gives good returns is difficult, yet there are plenty of options to choose from, with the cheapest and the first option being the savings account or a child education trust. Long Term Investment OptionsThere are several options which are good enough to choose from. The only thing that you need to do, while availing the investment scheme, is to take into consideration the authenticity and legality of the organization with which you will be dealing. This can be easily done by checking the annual reports and registrations of the organization. Such a precaution ensures that the establishment is not a scam or fraud.1. Insurance In blunt words, a life insurance policy safeguards the interest and future of your family, especially kids in case, if you pass away. The policy prevents any financial risks that might jeopardize the future of your child. Also you and your spouse should have a life insurance policy. It must be noted that a majority of life insurance plans give out certain returns upon maturity. Furthermore, a medical insurance or health insurance is also recommended. The disadvantage, is that you have to keep on paying the insurance company for a decade or more. 2. Securities The term securities is very broad, and includes high return on investment corporate stock, collective investments, debentures, corporate and government securities and bonds and lastly preference shares. It must be noted that half of these options are confuted through stock exchanges. There are two options that you can take up while taking up such securities, the first option that you can opt for is purchase and hold the stock, and just keep on enjoying the dividend. The second option is purchasing the stock, retaining it for a small time period and then selling it off when it shows very high market price. These shares and stock can be purchased directly through a broker from a stock exchange or can be applied for during a new issue.Same is the case with debentures, but the per unit cost (purchase price) tends to be a bit higher. There are some other corporate and government securities which do not operate like stocks and debentures, but are merely instruments which can be purchased and retained till maturity, problem is they cannot be sold off, one has to wait till maturity. Preference shares are a part of the stock and their merit is that their dividend is assured. Some United States treasury bills also tend to have very good maturity cost, and there is a lot of scope for the time period of the maturity. Some bills are as short as 1 year, but there are also some which can extend up to 10 years.3. Annuity The concept of annuity is a good option in cases where you are planning to finance the higher education. An annuity is principally an investment account with an investment company, and as an annuitant you can go on putting is a certain pre-decided amount on a monthly or annual basis into the account. The amount in most of the cases remains uniform throughout the time period of the annuity. Upon maturity, the company starts a series of repayments. In some cases the repayment and returns period overlaps. There are some features that annuities share with the insurance policies. For example, the variable annuity guarantees, is something that can be incorporated into an annuity. Such a grantee entrusts the proceeds to your child in case of demise.Another safe but really expensive investment is the real estate. These three long term investments for children are the safest ones and have an assured rate of return and are also very safe. The best way to invest is to plan your income, and then divert it consistently into multiple channels of investments. San Antonio real estate
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par adrian adrian
    These days, inflation is rising, which denotes that the products of daily use are getting more and more expensive. As compared to the past few years, we have to spend more money on almost everything, from buying daily necessities to huge investments like real estate. Ergo, to maintain our lifestyle, we need to increase our income at a rapid pace. This can be done by investing money smartly. Mutual fund investments are believed to provide investors with decent returns in the long term. There are a variety of mutual funds available in the market, from which you can choose the right fund, as per your need and risk-taking ability. Some are high-risk-high-return funds, while others are low-risk-low-return funds. Mutual funds invest your money in stocks of companies performing well, to maximize the returns. Now, what is an index fund ? It is actually a type of mutual fund which is slightly different from the standard funds. Index funds have their own advantages and disadvantages over professionally managed mutual funds.Difference Between Index Funds and Mutual FundsStudying the difference between index funds and mutual funds is essential for investors. It is only after knowing the characteristics of both these funds that you can decide to choose one from them. The main aim of index funds is to ape the movements of an index of any capital or financial market. So, the returns generated for the investors in such index funds would be equal to the returns of the index and not more. These index funds are not managed by professional fund managers. As a result, there is no continuous buying and selling of shares and securities of companies in these funds. As a result of this, the transaction costs or fee as a fund manager charges are quite low. This itself is the biggest positive for retail investors interested in index funds. Many investors believe that index funds are quite safe as there is no fear of the decision of fund manager going wrong and causing heavy capital losses. The arrangement of the index funds is much simpler than that of mutual funds which are professionally managed.On the other hand, the concept of mutual funds is exactly opposite. These funds are actively managed by the fund managers. The managers, in this case, have every right to invest in stocks which they think will provide great returns in the days to come. They also have the right to exit from stocks of companies posting poor financial results. Thus, entry and exit from stocks will be, as per the research reports and way of thinking of the fund managers. Now, most fund managers are highly qualified professionals having vast experience in managing investments, investment banking, and world capital markets. However, there have been many times when fund managers have not been able to outperform the broader markets and index funds have performed better than the mutual funds managed by them. So, the investor should first trust the abilities of his fund manager, before opting to invest in a mutual fund. As stated above, investors have a wide range of choices when it comes to selecting mutual fund companies and types of funds. columbia missouri
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par ucheom ucheom
    There are many people who are not aware of the secret of ’sowing money to reap money’. They are of the belief, that investments should only be done to save taxes. What they don’t realize is, if investing is done thoughtfully and systematically, it will always give great returns. But for that, gathering proper knowledge is essential. Given in the following paragraphs, is information, that uncovers for you a few secrets of becoming wealthier.Foremost, let’s get one thing cleared, you need at least a little amount of capital to spare, that can be used to invest in various investment instruments, so that you garner the desired returns. Stock Market Investing in the stock market by selecting a few stocks, through proper research and thinking, can yield good results. The stock predictions given by stock experts, can make stock market dealings simpler. This can also be one of the finest short-term investment options for smart traders. It is seen that long-term stocks, available at a cheap or reasonable valuation can give unbelievable returns to the investors.Mutual Funds Mutual funds are generally a much easier and a safer option, than playing the stock market individually. The best mutual funds would be the ’large cap diversified funds’, that helps you beat market fluctuations in a convincing way. They not only offer a lot of flexibility, but also surety of returns.Real Estate Real estate is one of the most dynamic forms of investment. You may have heard of stock prices getting reduced by 50% or 70% or even more. But, under normal circumstances, realty prices never get reduced so much. So, this reflects the stability of real estate investments both in the residential, as well as the commercial field.In fact, real estate prices can appreciate fast in developing regions, as land and homes come into demand. This makes real estate one of the best ways to invest money.Bonds Investing money is easier in the case of bonds, as you are entitled for ’fixed annual returns’ from the corporation issuing the bonds. So, even in the times of a bad market and difficult phases for the company, you will be earning the amount which has been promised to you.Gold can also be one of the options, which you can consider apart from the above mentioned ideas. In summation, I would say that you should contemplate, compare and then take the right call. Do not invest in haste, and more so, do not expect overnight results. Good luck ! columbia mo real estate
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par elethe elethe
    Google’s mission is to organize the world’s information and make it universally accessible and useful. Learn about our company history, products, and more. google
  • Reprise de l’atelier de jus de pommes le 05 septembre 2015 Г Volmerange
    27 avril 2017, par tobias tobias
    So you find yourself either contemplating divorce, or in the middle of a divorce in the State of Minnesota, and need to know what your rights are with regard to all the personal and real property owned by you or your spouse. This article will touch on the “ins and outs” of property division in divorce proceedings consistent with the laws of the State of Minnesota. There are two competing doctrines amongst the various Sates in this country on how property rights are vested to married couples, - “common law property” states and “community property” states. Minnesota is considered a common law property state (or “marital property” state) when it comes to property rights during the marriage. In the United States, there are ten States that are considered “community property” states, which include : Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin. This article deals specifically with common law property rights within the State of Minnesota. As a Minnesota divorce attorney, it is critical to meet thoroughly with divorce clients to ascertain all the property interests owned by the divorce clients and the “character” of those property rights. All property will be classified as either “marital property” or “non-marital” property. There is a presumption in the law that all property is marital. Thus, it becomes the burden of the party attempting to classify the property as non-marital to come forth with the necessary proof and evidence to consider the property non-marital. So – what the heck am I talking about ? What do I mean by marital property ? . . . and non-marital property ? Per Minnesota divorce laws, all marital property shall be divided equitably between the divorcing spouses. Marital property consists of all property owned by the spouses that is not otherwise classified as non-marital property as explained below. To “equitably divide” the marital property does not necessarily mean to divide the property 50-50 between the spouses. However, in the majority of the Minnesota divorce cases, this is exactly what happens. But, if there is a large disparity in the spouses incomes, the Courts may award to the lower wage earner a higher percentage of the marital property. So, what is non-marital property ? In Minnesota, non-marital property consists of any property that a spouse owned prior to the marriage ; that a spouse inherited at anytime, either before or during the marriage ; or any property that was gifted directly and solely to one of the spouses (except for gifts from the other spouse). If property is classified as non-marital, then that spouse is entitled to all of such property, without having to divide any portion of it with the other spouse. To prove the non-marital character of tangible personal property is often times not that difficult. However, when we are dealing with various bank accounts, retirements accounts or investment accounts, things get a little trickier. The spouse must properly and thoroughly “trace” the non-marital funds from their inception through the date of divorce. If the non-marital funds are commingled with marital funds, then that has the effect of converting all the funds to marital funds. Thus, it is very important that the holder of non-marital funds retain such funds in a separate account . . . however, it may not be the most pleasant conversation to have with your spouse when you explain why you are retaining the funds in a separate account : “Honey – I am just keeping the money in a separate account, so in case we get divorced I will get to keep all the money.” Similarly, if a spouse has an non-marital claim in real estate, it can be difficult to trace such a claim. This comes about when one spouse owns a home prior to the marriage, which has equity, then the parties sell that home and use the proceeds from the sale as a partial down payment towards the new home, and so forth and so on. There are many factors that come into play with this – too many to discuss in this article. However, it should be noted that when computing a potential non-marital claim in real estate, the Courts discern “active appreciation” (i.e. appreciation of the property due to improvements) with “passive appreciation (i.e. appreciation of the property due to market forces). Further, if at anytime during the course of owning the real property, the actual equity in the property is reduced to zero, then this has the effect of eliminating any non-marital claim that may have existed. As you can see, it can become quite complex and complicated in determining and ascertaining whether any non-marital property exists as part of the marital relationship. It is always very important to speak with a qualified Minnesota divorce lawyer to discuss your rights in the Minnesota divorce proceeding.Minnesota Divorce and Property Division : What Can I Keep, and What Must be Divided ? by : Adam J. Blahnik real estate columbia mo

Volmerange en images


Accueil du site | Contact | Plan du site | Espace privé | Statistiques | visites : 1341586

 

Creative Commons License