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Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled. The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. For example, in “the general theory of finances” there are two definitions of finances: 1) “…Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage”. This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character; 2) “Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production”. This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification. First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the […]

Investors have long discussed, argued and debated whether single family homes or multi-units are better for your real estate investing portfolio. There are advantages and disadvantages for each and I will briefly highlight some of these below. Let’s start with single family homes. Single family homes are typically easier to finance, easier to find long term tenants for and easier to sell. They are easier to finance because you can go to just about any bank and get a non-owner occupant loan, often with very little down payment. (But note, at the time this is being written, May of 2008, lending requirements have gotten significantly stiffer.) Single family homes are easier to find long term tenants for because many tenants prefer living in a detached home rather than sharing a wall and/or ceiling with multiple neighbors in a multiplex unit. Tenants also tend to stay longer because those who rent houses instead of apartments tend to have more stuff and they don’t like to move it as much. Since you can sell your single family home either to another investor or to any family looking for a home, you have a very large market for liquidating your property. Another advantage […]

Are you in the mood for some delicious cold appetizer recipe ideas? If you are, you are in luck, because we love eating great tasting foods and we have some great ideas to share with you. Whether you are meal planning to feed a hungry crew at home or you need to prepare a fast and easy recipe to take to a holiday party, you want to make something so good that no one can get enough of it. You actually want to create the best tasting and flavorful dish you can. Easy Party Appetizers for Your Next BBQ Grilling Party Do you realize that some of the most delicious of appetizers are most welcome in any setting? Whether you are having a small family barbeque grilling party or you are planning the menu for your wedding, you want to serve foods and beverages that are unforgettable. Serving a dish that everyone likes is special, and you will know just how special as you watch people return for more or ask you how to make it. Recipe for Creamy Onion Artichoke Dip What You Need   ½ package soften cream cheese 4 ounce 1 large container onion dip 15.5 ounce […]

If you are in the market for a new buggy and you do your research online, almost every review you will read about the Maclaren Techno XLR pushchair is favourable. Every owner who gave their feedback about this baby stroller usually have only good things to say about the XLR, which is probably why it’s one of the most popular and highly rated pushchairs around – but is it the perfect pushchair for your needs? Read on and find out. Maclaren Techno XLR: The Pros The Techno XLR is Maclaren’s version of a luxurious Techno XT which is one of the bestselling pushchair in the Maclaren range. So if you like the XT but want the best in both functionality and comfort, the XLR is the one for you. Most owners have observed that the XLR pushchair is very sturdy/durable even after prolonged, daily use. It is no wonder that Maclaren is known for excellent workmanship. For parents who are aggravated with logging around their pushchairs in public transportation, the XLR offers them the solution. It is so easy to push up curbs and maneuver around tight corners. This feature makes it different from the rest. Another benefit of using […]

Destination weddings have become incredibly popular over the years, and for many newly engaged couples, the interest in getting married in the Caribbean is increasing every day! After talking with many of my clients that have visited our travel agency to inquire about a destination wedding, they seemed to all agree that getting married on a Caribbean Island or even on a Caribbean Cruise is something they have always desired. The exotic locale, convenience, value, and stress free environment it fashioned were some of the many reasons couples find this option very appealing. Before I talk more on the Caribbean, allow me to first talk a little bit about who I am, and the reason why I view the Caribbean as a popular wedding destination choice. Back in July of 2000 I attended Travel College, and this is where I met this beautiful Italian girl in my class named Maria. It was clear that the both of us were on the same path of becoming professionals in the travel industry, and at the time we never knew what we were about to experience. Once we graduated, Maria and I were immediately employed by different travel agencies that soon opened up […]

Endometriosis which grow somewhere else other than the endometrium also reacts to hormonal signals of the monthly menstrual cycle by building up tissue, breaking it, and eliminating it through the menstrual period. As we know, nutritional supplements play a very important role in treating endometriosis. In this article, we will discuss how vitamins help to treat endometriosis. A. Vitamin A I. Definition Vitamin A is a bi-polar molecule formed by bonds between carbon and hydrogen. It is a fat soluble vitamin. This means it can not be stored in the liver but it can be converted from beta-carotene, a powerful antioxidant. Besides helping in treating endometriosis, it is also known to have strong effects in improving vision and enhancing bone growth. II. Vitamin A and endometriosis a) Vitamin A is a very powerful antioxidant that not only helps to strengthen the immune system, but also protects against the growth of endometriosis. b) Vitamin A helps in regulating the gene expression by fighting against the forming of free radicals and protecting the body organs from abnormal growth of endometrial implants and adhesion. c) Red blood cell production Vitamin A working together with iron helps to aid the production of red blood […]

There is a simple but undeniable truth in the financial consulting and wealth planning industry that Wall Street has kept as a “dirty little secret” for years. That dirty little, and nearly always overlooked secret is THE WAY YOUR FINANCIAL ADVISOR IS PAID DIRECTLY AFFECTS THEIR FINANCIAL ADVICE TO YOU! You want, and deserve (and consequently SHOULD EXPECT) unbiased financial advice in your best interests. But the fact is 99% of the general investing public has no idea how their financial advisor is compensated for the advice they provide. This is a tragic oversight, yet an all too common one. There are three basic compensation models for financial advisors – commissions based, fee-based, and fee-only. Commission Based Financial Advisor – These advisors sell “loaded” or commission paying products like insurance, annuities, and loaded mutual funds. The commission your financial advisor is earning on your transaction may or may not be disclosed to you. I say “transaction” because that’s what commission based financial advisors do – they facilitate TRANSACTIONS. Once the transaction is over, you may be lucky to hear from them again because they’ve already earned the bulk of whatever commission they were going to earn. Since these advisors are […]

Have you wondered how your favorite athletes do their workout? Or what kind of exercises they perform, what kind of food they eat or how do they manage to relax under pressure situations? Probably you don’t care about all this because what matters for you is their performance in the sport. But it doesn’t mean that they don’t take care of themselves like we do. In fact, athletes need to monitor their lifestyle very closely and keep their health conditions at par with their competitors; not just by eating right food items but also by consuming supplements. Supplements are an integral part of athletes’ diet. It is required to have an enhancement of their endurance, and also to increase or, if not increase, at least maintain the appropriate muscle mass to be able to improve size and strength. One of the most important parts of any sports nutrition is protein supplements. Without these supplements, athletes would not be the way they are at present. However, contrary to what most people think, diets jam-packed with protein do not necessarily build up muscle strength. Building up muscle strength would be the job of regular physical activity. So if you want those big […]

Auto racing is one of the highly televised sports in the world. The exposure of people to auto racing has acted as a catalyst for its growth in popularity. More and more people, especially kids and teenagers, have been drawn towards racing. Carting, most basic and arguably the safest introduction to motor sports, is very popular not only in Europe and North America, the traditional bastions of auto racing, but also in Asia and some parts of Africa. But, its popularity and fanfare should not undermine the fears about its safety. We know from our daily experience that even driving through roads at a speed that is infinitely slower than that in the auto racing arenas can be dangerous. Despite the technologically advanced safety measures, the inherent danger of high-speed auto racing refuses to be conquered. There are a large number of accessories for auto racing safety. But, there is no better method to avoid accidents than driving with concentration and focus. Formula One racing is undoubtedly the most famous auto racing event in the planet. Ayrton Senna is the immortal star in the Formula One history. He died on the track in 1994 following an accident while racing. That […]

Survival China Travel Tips and Tricks These China Travel Tips, Survival Techniques, will help you get around and make your trip to China easier, so you will be able to experience the real China with a little less stress. China is an odd beast that needs to be respected; the major cities, Beijing, Shanghai, and Xian, all have their own personalities. Some complex situations that you think would be an organizational disaster turn out to be great and you wonder afterward what all the fuss and worry was about. Then the simplest of tasks can turn out to be a major calamity. This is when you have what we call here a “China day”. These days come and go and are part of the experience of everyday travel in China. One needs to have an open mind when travelling China. It is a place with thousands of years of history and culture that is trying overnight to adapt to Western ways of living. You need to have a very open mind when you Travel in China. I have listed below a few China Travel Tips that will make life that wee bit more bearable on your Travel China experience. China […]