Archive for May, 2009
Friday, May 29th, 2009
Simply fill in the registration and automatically validate Portafolio.com.co information. That way you can save your calculations you need.
Four other reasons for taking this insurance through the Personal Finance are:
* You can only secure the property, only the contents or both and know with certainty the amount payable.
* You can request further information through the contact numbers of the insurance provider approved by Portafolio.com.co.
* The system will provide a few seconds all the information cost and the form to make your payment either online, at a discount to their savings account, debit card payment or credit.
* Because this process is confidential. No one has access to your keys or current and savings accounts, provided they follow the security rules for transactions over the Internet.
¿Exactly what insurance cover this?
Who makes a home insurance policy protects your home from damage, repairs, replacement of all or part of the property or in case of:
Abduction and non-violence.
Non-liability.
Expenditure or loss of tenancy.
-Electrical and electronic equipment.
-Acts of authority.
-Explosion, strike, water damage.
-Earthquake, earthquake, volcanic eruption.
Accidental-death, waiver of premium, accidental breakage of glass.
-Removal of debris and auto update on the renewal.
From what level can ensure your home and contents?
You can insure your house from 25 million to 350 million pesos and the goods it contains between 10 million to 150 million pesos.
What is the average value of this insurance?
The price paid for insurance against this risk is 1.5 per thousand. For a building of 100 million policy would cost 150,000 pesos plus tax for one year of protection.
Are there any additional service?
The home insurance covers home care and provides:
Care-24 hours.
-The use of the services has no additional cost to the user.
Includes-skilled labor and materials.
-Can be used as many times as needed.
Free-deductible.
-Plumbing.
Electricity and gas-house.
-Locks and broken glass.
Expenditure on accommodation.
-Moving expenses.
Expenditure on return trip.
-Assistance for accidental death or funeral of the insured and family group, including service employees.
-Washing and drying of carpets and curtains because of an incident covered in the policy.
-Transmission of urgent messages.
Ambulance service, presented in the home.
Guidance legal call.
Friday, May 29th, 2009
His worst moments experienced during the terrorist of the 80 and 90
Luis María Larrea (1918 Miraballes) was the second most senior bishop in Spain and the longest of the Basque Country, after the death of Luis María Larrauri, prelate emeritus of Vitoria. In nine months have passed away three bishops and an Alava Vizcaya. First, José María Cirarda also nonagenarian, then did the unexpected and rapid death of Carmelo Echenagusia, then, Larrauri, and now Larrea. All led to the Church by the Basque difficult path of reconciliation and renewal attended the rapid process of secularization of our society.
Larrea is suffering from acute Alzheimer’s for years. He lived in a retired priest in residence Bilbao. Dressed in secular and episcopal ring. Sitting on a wheelchair, he could see and enjoy the freshness of some shade, especially in the afternoon sun, along with their carers and others sick priests, a few meters from his home. I had always approached health, although in their recent past, almost always without answer.
Succession controversy
Ricardo Blázquez in 1995 when he was succeeded as head of the Diocese of Bilbao, Larrea took refuge in anonymity. Anyway, never was a big friend of the bishop. His assistant, Juan María Uriarte, came to enjoy greater visibility. In his later years as head of the Church of Biscay, when his health began to fail, the Vatican appointed Bishop of Zamora as Uriarte and left without support and Larrea, although he submitted his resignation due to age, extending over two years the appointment of his replacement. There are those who publicly protested the “snub” of the Holy See to the ‘aging and ailing Bishop of Bilbao’. Sure that his last days as the owner lived in the controversy stunned designating Blázquez raised. Only decided to appear before the media yesterday made official the appointment of Ricardo Blázquez to clarify that no bishop could have the ideal profile and the need to support the new bishop, who was outside.
His worst moments as the Bishop of Bilbao where he lived several political leaders and journalists accused him, he and other prelates Basques of warmth at the tragedy of terrorism. During the terrorist of the 80s and early 90, and to avoid any political reading of the position of the Basque church, the bishops chose not to preside over the funerals of victims of ETA. But those in Biscay never missed a letter signed by him in condemning terrorism and solidarity with the families of those killed.
Half also the 80s, as the holder next to Uriarte, Luis María Larrea supported the peace movement emerged in the heat of different parishes and Christian communities of Biscay which led to the Coordinating Gesture for Peace in Euskal Herria.
Dear and dialogue
Larrea was a beloved and respected bishop. Never noted for his eloquence, for his great speeches or his intellectual profile. Did not have the charisma of other prelates, as José María Uriarte Setién or own, but it was an exemplary Christian, more prone to listen than to defend positions, armed with simplicity and capacity for dialogue. Who was affectionately mocking him defining it “as a nun with a miter.
John Paul II sent him to Bishop of Bilbao in 1979 as successor to Antonio Añoveros. Until then he had been bishop of Leon, and long ago, rector of the Seminary of Vitoria. Within the Church of Biscay there were criticisms of his appointment, but this has always been the custom when a new bishop comes to Bilbao. Then they feared that the appointment of a bishop as “mild” as Larrea mean a ‘backlash’. Larrea left the Church that became a point of responsibility of the laity, serving the poor and work for peace.
Friday, May 29th, 2009
The value of the premium is also liable for damage caused by the impact of aircraft. The insurance also covers loss or repair your home if:
* Strike, riot, civil commotion or popular ill-intentioned acts of others. In this case there is a deductible * 10 percent of the loss, at least 1,491,000 pesos.
* Earthquake, earthquake, volcanic eruption. Deductible 3 per cent, minimum 1,491,000 pesos.
* Familial Liability in tort 20 million pesos.
* Home care (locks, electrical, plumbing, legal guidance, medical home, etc.).
How can I buy?
Through the ’shop safe’ in Personal Finance. If not a user, please register and buy in just four steps. Another way is through an insurance adviser, duly represented by an insurance agent or insurance company recognized.
What is the deductible?
The deductible is the value to be paid by the person who took the additional insurance coverage.
What additional services are provided to those who purchase this insurance?
Exequial to take out insurance, you may request home care if:
Leave the keys in your house.
Service 24-hours.
-No extra cost for the insured.
Includes-skilled labor and materials.
-Can be used as many times as needed.
Free-deductible.
-Plumbing.
Electricity and gas-house.
-Locks and broken glass.
Expenditure on accommodation.
-Moving expenses.
Expenditure on return trip.
-Assistance for accidental death or funeral of the insured and family group, including service employees.
-Washing and drying of carpets and curtains because of a sinistreo covered in the policy.
-Transmission of urgent messages.
Ambulance service, presented in the home.
Guidance legal call.
Remember
-By taking this insurance comes at a prestigious insurance company.
Before you sign-well read all the clauses. If in doubt, ask your insurance agent and if the concern persists go to a legal adviser.
-Keep on hand the contact details of your insurer to communicate in cases where there is an emergency.
Friday, May 29th, 2009
Finally, the owner who has rented his house or apartment, you are advised to secure the building. When you buy your home insurance policy protects your home or your contents of total or partial loss, at the following events caused by natural or public disturbance:
-Fire and / or lightning, heat, smoke, riot, riot.
Shock-civil or popular malicious acts of third parties.
-Damage by aircraft or land vehicles.
Abduction and non-violence.
Non-liability.
Expenditure or loss of tenancy.
-Electrical and electronic equipment.
-Acts of authority.
-Explosion, strike, water damage.
-Earthquake, earthquake, volcanic eruption.
Accidental-death, waiver of premium, accidental breakage of glass.
-Removal of debris and auto update on the renewal.
What is the maximum amount they cover?
You can secure your home or apartment reconstruction whose values are between 25 and 350 million. If you only want to secure their property, the insured value for content should be between 10 and 150 million.
What is the average price of these policies?
For a comprehensive insurance rate average is 1.5 per thousand. For a building of 100 million, the policy would cost about 150,000 pesos plus tax for one year of protection.
The value of the deductible (a percentage that will pay the user when an event *) depends on the insurer and the type of incident (fire, earthquake, etc.).. The lower of two current minimum wage (664,000 pesos).
What additional services are provided to those who acquire this insurance?
Immediate-home care 24 hours.
-The use of the services has no additional cost to the user.
Includes-skilled labor and materials.
-Can be used as many times as needed.
Free-deductible.
-Plumbing.
Electricity and gas-house.
-Locks and broken glass.
Expenditure on accommodation.
-Moving expenses.
Expenditure on return trip.
-Assistance for accidental death or funeral of the insured and family group, including service employees.
-Washing and drying of carpets and curtains because of an incident covered in the policy.
-Transmission of urgent messages.
Ambulance service, presented in the home.
Guidance legal call.
Precautions
-By taking this insurance comes at a prestigious insurance company.
Before you sign-well read all the clauses. If in doubt, ask your insurance agent and if the concern persists go to a legal adviser.
-Keep on hand the contact details of your insurer to communicate in cases where there is an emergency.
______
* The deductible is the value to be paid by the person who took the additional insurance coverage:
- For terrorism is 10 percent of the loss (at least 3 minimum monthly wages).
By earthquake or tremor, 3 percent of the insurable value of the property (minimum 3 minimum monthly wages).
By subtraction with and without violence, 10 percent of the value of the loss (at least 1.5 minimum salaries per month).
-Electrical or electronic equipment, 10 percent of the value of the loss (at least 1 minimum monthly wage).
Friday, May 29th, 2009
If the crisis forces you to cancel your insurance or fees for work and you do not have this benefit, the solution could be put together to protect the greatest number of people with needs similar to yours.
Special products for mass markets of Mexico are a Zurich insurance that focuses on the attention of large segments of people who share affinities between them.
“This group defines special needs massive sale of common and groups designed packages’ Canned ‘, which covered with affordable,” explained general manager of the insurer in Mexico, Eduardo Maerovich.
Currently, only eight million Mexicans have a life insurance policy, one of five Major Medical coverage and a 4.5 for your home, according to the Mexican Association of Insurance Institutions (AMIS).
The key to the massive sale which is reflected in the final cost to consumers is non-traditional distribution channels such as supermarkets, telemarketing, sponsors or companies that want to give as rewards to their customers.
And as it responds to current market needs, the line was created to meet the needs of specific niches, like:
Family protection: This product includes the home insurance that protects assets, people, pets and gardens in addition to the Life and Savings and Investment Protection, in addition to recent household expenses.
Cans: This line offers comprehensive benefits in one package, which includes protection against crime and supports the affected reimburse medical expenses resulting from injuries sustained in violent acts, coverage, dental and eye care, psychological and legal assistance. Tuition also includes the Segura, which ensures children’s education by the contractor in cases of accidental death of the holder, school, pediatric medical, pediatric and recent costs of the parent or guardian. Segura also includes the Pantry, which provides assistance to feed the family in case of death.
Income protection: unemployment insurance, which supports the current economic situation in case of total or partial disability.
Support accident or illness: Unlike other insurance, this product covers unexpected events in health, such as fractures, surgeries, strokes and certain cancers.
Program management is built on a massive platform for consultation, and recruitment insurance quote online in an easy, fast and secure, specially designed for customers.
Thursday, May 28th, 2009
Sure is a brokerage firm that offers online offers and prices for health insurance, young driver insurance, home insurance, motorcycle insurance and car insurance. The subscription offers is directly online via personal space on the website. On it is the presentation of insurance products and services. Sure is the first platform independent design and distribution solutions and insurance products through the Internet 100%. Company established by 4 partners in June 2004, is sure the perfect combination between a true understanding of cyberconsommateur and expertise in insurance. Since its entry into service, ensure not only the development of free and quick quote online, but mostly offers the contract and the issuance of a certificate guarantees immediately.
Thursday, May 28th, 2009
DDMDes thousands of cars struck on Monday night in the Toulouse region. Yesterday insurers were inundated with calls, but there remain several days for motorists to report their loss.
1. Until when can I make my claim?
In principle, you have five days to make your claim. But faced with an exceptional event, insurers record applications beyond the statutory period, and reflect in general, congestion standards.
2. What documents must I provide to my insurance?
Some insurers take your statement directly without asking for documents. Others require a certificate weather. This document is provided by Météo France. You must make a written request to the weather. The price of the certificate is € 52.15 and is normally reimbursed by insurance. Newspaper clippings describing the natural disaster are sometimes requested.
3. If I am sure “all risks”, some are still fresh in my office?
A liability insurance includes a deductible (2OO euros and according to the contract and sign) and you will be charged the amount of relief at the garage after repairs. Your insurance company will charge him, the rest of the bill that pays the coach. The damage caused by hail are covered in most of the residential insurance. For vehicles, there is the same obligation to cover risks associated with storms. However, the security hail is not included in the contracts to third parties.
If your vehicle was damaged, it must first take a careful reading of your contract.
4. In which time my vehicle will be repaired?
You have made your statement on time and an expert will give you an appointment to see the damage. Depending on the number of victims (many it seems after the storm on Monday) it may hold joint appointments at a garage. Your insurance puts you in relationship with garages in your area, work or home. Note that you can wait six to one year before the work is made out of broken windows in urgent ..
5. If my vehicle is old, will it be repaired?
Several scenarios are presented for older vehicles. Some can be classified according to wreck damage. Either you sell your car insurance if it is not economically repairable “and the insurance will pay its value before the storm, less any deductible. Either you decide to keep your car insurance will pay the value of the wreck classification, less the deductible. Finally, an old vehicle may be worth repaired, if you plan to sell it.
Thursday, May 28th, 2009
Interest loans for the purchase of a principal residence are entitled to a reduction or a tax credit. What if loan or credit redemption? How do I calculate there the one year period where the maximum reduction is? The responses of lawyers Landwell & Associates.
For nearly a month, lawyers Landwell & Associates responded to questions about www.lesechos.fr. As always many questions were raised about the reductions or tax credits. Among them, we have isolated the issues relating to tax credit for interest on loans. A measure that applies for the second consecutive year, but still raises many questions. What if loan or credit redemption? The reduction applies Does for second homes? What if the property was acquired via a SCI? How do I calculate there the one year period during which the reduction is maximum? All answers from our experts (to find the full responses from lawyers Landwell & Associates, click on this link).
Question: I am not taxable. How does the tax credit? Will I receive a check?
Answer: The tax credit against the amount of income tax due, after applying, where appropriate, of all the tax cuts enjoyed by the taxpayer, other tax credits and levies or deductions not discharge.
Following the filing of your return, if your tax credit exceeds the tax due, or if no tax due, the excess will be refunded (unlike the devices of tax reduction). This refund will be made ex officio by the administration (by check or by bank transfer) in the light of your statement of income. However, this refund will not be made if less than 8 euros.
Q: What are the differences between a tax credit and a tax cut?
A: Certain expenses (listed by the Tax Administration) by taxpayers may be eligible for a tax cut or a tax credit. Tax cuts are charged directly to the gross amount of tax. When the amount of tax cuts exceeds that of the gross tax, non-attributable fraction of these reductions can not be repaid or report on the tax due to subsequent years (as opposed to a tax credit , which may enable taxpayers to obtain a refund from the Tax Administration).
I purchased a house last year which is now my primary residence, but through a SCI. Can I claim a deduction for mortgage interest?
A member of a SCI is not subject to corporation tax can claim the tax credit related to interest for the acquisition of its main house:
- The fraction of loan interest paid by the company for the acquisition of housing that is available free of charge in proportion to the share of its rights in the company for the residential property concerned;
- Or the interests of any loans made to his contribution to society or to acquire shares representing the housing allocated to it.
However, the tax credit does not apply to interest on loans made for the acquisition by the company of a housing which has been associated directly or indirectly own.
Thursday, May 28th, 2009
For most Canadians, buying a home is the biggest investment of their lives, and all that it implies can learn a lot: it’s even more true in regard to first-time buyers home. Once the loan is signed and funded, it is important to ask a question: What if I was no longer able to repay my loan?
The response could take the form of credit insurance. Depending on the type of coverage selected, this insurance will help to manage the debt in case of contingencies, especially in cases of serious or terminal illness, accident or death.
“The new owners often tend to relegate to the second insurance plan, said Dave Minor, Vice President, TD Insurance. In fact, the best time to consider your options is when you get your funding. With credit insurance, you can be assured that your family will not have to take your financial obligations in unforeseen circumstances. ”
“The credit insurance and insurance go together,” says Minor. Protect both your investment, your home and everything in it is a solid foundation for your safety as owner. ”
When deciding what type of insurance best suits them, owners should ask themselves the following questions:
- Who will pay my mortgage if I can not work?
- My co-borrowers and guarantors are protected?
- My insurance will it be in place before the conclusion of the purchase of my new home?
- Do I have enough savings to handle emergencies?
Wednesday, May 27th, 2009
“Before the household decides to take a mortgage, you should first clarify their financial options,” refers to analyst Petr Zamecnik.
Since last autumn, advertising is the number one topic of financial crisis. It will be the current theme throughout this year?
The financial crisis as such seems to have already expired. And U.S. Secretary of Finance Timothy Geithner recently said that most U.S. banks will not need capital from the state. But in the current year, and probably next year, the economic recession in the world economy as a result of the financial crisis fell. The last estimate of the International Monetary Fund for the development of the Czech economy this year talking about the 3.5 percent decline. Worse is that perhaps only the Baltic countries, the economies predikuje fall by about 10 percent.
One proposed solution to the financial crisis is “šrotovné”. You do not see it but too positive. Why?
Šrotovné does not solve anything, only prélevé problems from one area to other economies. Ultimately, not even itself automobilkám, which are exhausted demand around for two to three years in advance. Not too or people who šrotovného use – with one exception. People who despite the current economic situation of new car they bought, they actually save. Others, who would buy a new car yet postponed, and instead save, or will form a reserve for adverse events, such as loss of employment in an uncertain period, under the influence of šrotovného reserves run out or even zadluží. And in the event of loss of revenue to their financial situation more serious. We should learn from the example of Slovakia, which held two rounds šrotovného. In both cases, were exhausted in a few days and only for the economy were the result of high government spending.
The financial crisis and subsequent economic recession does not invest. Where would you recommend in the current situation to invest?
The vast majority of investment instruments in the past year decreased significantly and some continued decline continues. For example, stock markets last year have lost about half their value from the historical maximum, and some markets to find the minimum twenty years old horizons. So no surprise that confidence in the investment between people disappears. However, the deep fall in the value of an opportunity to buy. Of course, one reason may be that the price (eg shares) are now low. No guarantee that they can not be even lower.
I personally believe that the present situation is the optimal strategy for regular purchases of units of shares or equity funds for long-term investment, therefore, in a term of five more years. To save money for a shorter period is preferable to conservative instruments such as interest rates quite well today savings accounts. Specific investment strategies but depends on the envisaged timeframe and individual relation to the risk.
How to maintain but are people who invest before the market drops and now counted in tens of percent loss?
Selling the following deep declines rather I did not recommend. Classical precept illustrate that in all circumstances should an investor should keep its original investment plan – this plan should be counted but is negative variants of development investments. Usually, the greatest loss of people failing to reach the original investment strategy. On the other hand, is unfortunately common for people to invest without having to set investment strategy.
One of the effects of financial crisis is also a fall in property prices. How to estimate their future development? It is interested in buying an apartment still wait?
The situation on the real estate market is currently somewhat complicated. Awaiting the buyers, who are awaiting a fall in prices, so sellers who do not want to reduce the prices of their properties. Available only those who really need them or to reach the originally intended price. And the buyers are people that this step has caused the family situation, or use the cheap purchase. The buyers were also relatively high mortgage rates. In my view, will be about half of this year, which will begin to lose patience seller and buyer. Then it is shown the direction to the property issue. The current situation but rather records the buyer, who have the opportunity to negotiate to reduce the “list prices” developers and estate agents.
You mentioned the high interest rate mortgage loans. In March decrease. It can be expected, therefore, the growth of interest in buying real estate?
Yes, in March was under Fincentrum Hypoindexu the relatively sharp drop in mortgage interest rates to 5.5 percent. Reducing rates by 0.25 percentage points is the second largest fall in history meziměsíční monitoring indicator. The decrease resulted primarily “action interest” of some banks. You insist in April, in addition to adding other banks. It is possible further decline in rates or at least maintain current levels. This could be one of the moments that will enhance the interest of buyers.
Mortgage is linked one tax problem that you recently pointed out. What is?
State allows people who receive credit for the housing for themselves or their relatives, to deduct interest paid on the loan from income tax base. This reading may be relatively large – in the household may apply for up to 300 thousand. CZK interest, which corresponds to an annual tax savings of up to 45 thousand. CZK. The problem in the Income Tax Act in defining the purpose of housing. Law appoint a different purpose in paragraphs a) to g), such as the purchase or construction of an apartment or house, transfer of rights in the cooperative cooperative apartment, purchase of building land and the like. The last section is followed by h), which considers the purpose of housing loan to repay a loan granted under paragraph a) to g). From such innocent vypadajícího provisions of the Act means that if refinancujete loan for a new housing loan for the first time, you can still apply the interest paid from the income tax base. But if this loan, which falls within paragraph h), to refinance again, the interest paid on this loan has not tax deductible.
This is does not even believe. What do you think the Ministry of Finance?
You are right, does not want to believe it. This is the most common reactions of readers to articles drawing attention to this tax problem. Ministry of Finance, however, maintains that interpretation also. Even if you refinance a mortgage bridging loans, so when you get entitled to a proper Building savings loans and there is a “bridge”, lose entitlement to tax relief. But can not be excluded that the different fiscal authorities will proceed differently, and interest on the loan even after the second refinancing recognized as tax deductible.
Each tax authority can do otherwise?
Some interpretations of the law suggests. Moreover, the meaning of the law is clear – to encourage people who take care of their own housing. The point is not restricting competition, which in fact occurs. The current wording of the Act and have been raised over the legal uncertainty. Strictly according to the letter of interest on the loan after the second refinancing are not deductible, according to the intention of the deductible should be likely. If there was a dispute between the tax authority and a taxpayer, the court ruled. And to anticipate his decision will certainly netroufnu. In my simplest solution would have been a slight change of the Income Tax Act. It was enough to adjust by a single letter – in point h) extended to housing loans and the repayment of the loan referred to in points a) to h) – the current position a) to g). This would solve the problem.
Bind to the mortgage is a serious step in the household. Recommended you rather go to the counter to arrange a mortgage bank, or through a mortgage broker?
Before the household decides to take a mortgage, you should first clarify their financial options. This may help them to a qualified financial advisor, but it can handle the family itself. In subsequent tenders from bank service mortgage broker I exercised but surely. In my opinion, the best solution for the household to turn around two, three banks, while at least one mortgage broker who has a better possibility to negotiate more favorable terms with the bank. At the same time is able to calculate whether it is the case for a better mortgage or loan from building savings.
You mentioned the financial advisor. Quite often there are complaints about poor working of financial advisors. Nevertheless, we recommend that their household finances to address the consultant?
Yes. However, it is important that the family selected a good financial adviser. You are right that the financial advice moving people, which is not properly secure their savings and confer. Indeed, perhaps this is true in every branch of human activity.
How to identify a good financial adviser from the bad?
The basic and simple rule is “Trust, but prověřuj”. Today is not a problem on the Internet to obtain references to the poor financial advisers, and the poorly designed solutions and unsuitable products. There is no need to become an expert, but basic information about the functioning of financial markets and in finding a good insurance advisor will help definitely.
Optimum solution is to find a financial adviser himself. Not only in the Czech Republic, most people obtain financial adviser so that they are approached. When you develop a household activity, the greater chance of finding a quality consultant. This is, unfortunately, but people odhodlají usually too late – either are already some “wannabe financial adviser” harmed, or when addressing the current need, most often purchase housing.
Why is it too late to reach a financial advisor in solving their own housing?
Acquisition of home life for most people the decision to which is often inserted all its funds and still be leveraged for the entire productive life. If you communicate with a financial adviser prior to addressing the credit can help them effectively create and add value savings. In this respect, one rule still applies: When drawing a mortgage should not be used all the household savings. There is always a good idea to have a sufficient safety margin even at the price of higher mortgages.
Why? But lower mortgage is cheaper and lower lease payments and …
Purchase price or construction costs are far from final expenditure. Equipment apartment or house is also very expensive, moreover, may occur the need for additional expenditure, such as the repair or reconstruction, or loss of income due to be job losses. If the household does not have enough savings, it must feel to credit – a consumer loan is always more expensive than the mortgage. Not to mention the situation where due to lack of financial reserves in the household will receive financial difficulties, and thus to delay the repayment of a mortgage. In the extreme case it may come about a roof over your head – and the solution could be as early as the beginning of a higher mortgage, a few hundred more installments and over a hundred thousand crowns financial reserves.
That sounds scary. Paid therefore not borrow on their own home?
It is necessary first to consider the possibility of the family. Generally speaking, in most cases, yes. Important is to choose a property suitable and viable for the household.
Zbynek Hutar
Zamecnik Peter is a graduate of the Faculty of Social Sciences of Charles University in Prague (Graduate Education, Economics, Institute of Economic Studies FSV UK). The media operates from November 2000, contributed to the financial server Měšec.cz start and led the training run servers and Hypoindex.cz Investujeme.sk. He is currently editor of professional servers and Investujeme.cz Hypoindex.cz. In addition to work in the media area is dedicated to the publishing activities and teaching at the University of Economics in Prague, where the third year.
|
|
