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4 The new rules of the real estate market

is coming spring, traditionally the most active period for the sale of the house.

The Real Estate Portal Zillow indicates what are the rules of the game have changed in recent years, and gives the 4 golden rules based on which once the housing market, compared with those current.

Here are the four old and four new rules of the real estate market:

Before old rule of the past: do not buy now, house prices will fall again.

Before this new rule is not easy and not very likely be able to buy exactly when market prices are the lowest.
Not even the experts can agree on when it will arrive this time, even though many point out that 2011 will be the year of the recovery in prices, is also to say that an increasing number of owners applying discounts just to sell their house. Moreover, as we have just seen, the interest rates are no longer at a record low, as the Euribor has just scored the highest value, and according to many will continue to rise.
For this, the best thing is to try to negotiate the price right now trying to get the house value will in the coming months or years.
This will now be able to buy at a good price and you can take advantage of current interest rates, first to continue to rise even more.

Second old rule of the past: do not spend more than one third of their income on the mortgage.

Second of this new rule: those who bought between 2000 and 2007 knew that their home value increased continuously, and then certain sacrifices were rewarded by capital gain.
But who buys now should expect a housing market in terms of revaluations, flat for several years, because the economic crisis will not allow a different course. A
25% of their income invested in the home, ie quarter, today is enough.

Third old rule of the past: the time to sell the district's all.

Third of this new rule: the real estate market is increasingly fragmented, even within the same district, not all the houses compete in the same way.
The offer is plentiful and buyers can choose from even in the best street of your city to renovate a ground floor does not have the same possibilities as the golden years.
Signs "for sale" are many, buyers can be more selective.
who sold a house with "problems", must take note and forget what has cost him, if in a hurry to sell.

old rule of the past Fourth Avoiding real estate agency.

Fourth of this new rule: for many years the idea of \u200b\u200bbuying through agency was regarded as simply a waste of money.

However the same market conditions have selected the best agencies, which, in turn, if they want to survive must be able to serve the interests of both buyers and sellers.

times longer for sale due to lack of agreement is the time to trust the good agencies, who know exactly how things are.

State Of Ohio Lpn Renewal

go-ahead to the decree on renewable energy

Legislative Decree Renewables, already approved by the Council of Ministers, has been validated by the President Napolitano; become so implementing the new rules on Renewable Energies and their integration into new and renovated buildings .

final formulation of the decree changing the deadlines and obligations (Annex 3 of the Decree) in the historic centers (Zones A Ministerial Decree 1444/1968), the percentages were reduced to 50%, with ' exclusion of buildings protected by the Code of Cultural Heritage (Part II and Art. 136, paragraph 1, letters b) and c)) and the planning instruments in force, in cases where there is evidence that compliance with the requirements would be incompatible with the historical features and artistic values.

The designer should document in the technical report that it is possible to comply with the obligations, where necessary examining the feasibility of all no different or

ptions available technology, resulting in an overall building energy performance index (I) less relevant than the total required under the Decree No. 192/2005 and subsequent amendments

The non-compliance means non-issuance of the building; for systems designed to meet those obligations, access to government incentives for renewable sources only for the remainder needed for the fulfillment of the requirements of the Decree.

Specifically, Article. 9 provides that, in new buildings and existing buildings undergoing major renovation, the facilities of the heat energy should cover 50% of expected use for hot water and the amount of expected use for hot water, heating and cooling through the use of energy from renewable sources, according to the following percentages:

a) 20% if the title building was required by May 31, 2012 December 31, 2013;

b) 35% if the building license was requested by 1 January 2014-31 December 2016;

c) 50% if the building license has been issued from 1 January 2017.

Forte mobilization elicited between operators, associations and citizens both before the go-ahead by the Government, is in the following days.

After the spectrum of the roof of the 8,000 MW in photovoltaic beyond which were

suspended aid (far removed from the approved text ' Executive) Decree continues to disappoint those who work in the renewables sector that focuses on the employment (140 thousand employees in the sector and 13 billion in total sales last year) but also at risk by the banks of the dam projects in progress and the terms of the new discipline.

least 14,000 letters were sent by mail in recent days to stop the decree by mobilizing the web and through Facebook 'Sos renewables' for Thursday, March 10 organized a public meeting in Rome will participate in associations sources (Anev, Aper, Ace Energy Future, Assosolare, ISES, Gifi) and environmental groups (Legambiente WWF, Greenpeace) involving the square for the next week.

And the lawyers of the companies take into account actions across the board even if they want to read the first version to be published in the Official Gazette.

Meanwhile, according to initial rumors, there would be a new step in the texts governing the incentives "the entry for the year" of the system and not to the 'connection', a term that did not define the legal temporal spaces and modes of aid delivery and lent itself to different interpretations.

The measure is also critical for the opposition: the decree on renewables, as it is currently drafted, represents "a tombstone" of the entire sector, say the deputy Ermete Realacci and Senator Francesco Ferrante both the Democratic Party and the Left Freedom Ecology asks us not to sink a growth industry. For the president of the Greens, Angelo Bonelli, "the Government has decided to sabotage nuclear power sources to help."

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GAINS REAL ESTATE: WHEN THE SELLER PAYS THE TAXES?

gain that is realized from the sale of the house falls into the category of "other income" and is' therefore subject to taxation.

fact, when the sale of the house leads to a higher value, equivalent to a positive difference between the consideration received in the tax period and the purchase price or construction cost of goods sold, plus the costs of the assets, a value is realized.

This value, when it derives from a transfer for consideration of a house purchased or constructed from no more 'than 5 years, is regarded as one of the income of the category "other income" and, as such, is subject to taxation at ordinary income tax rates.

exception to this rule:

• real estate received by inheritance;

• those received in the donation, though, with reference to the person who donated the property, five years have elapsed from the purchase or construction of the same; •

urban real estate units for most of the period between the purchase (or construction) and the sale have been used as a main residence of the transferor or his family. In

taxation of these gains, since 2006 has been introduced an alternative to the existing one.

fact, the seller now has the power to request from the sale with the notary statement, which is applied on capital gains tax in lieu of tax on income.

on capital gains disposals carried out until October 2, 2006, applied the rate of 12.5%.

Decree-Law No 262, 3 October 2006 has increased the rate to 20%.

The notary himself will provide the application and the payment of the substitute and received payment for them immediately from the seller, and notify the Inland Revenue data on the transaction.

Customize A Haro Bike

Due game to learn to be entrepreneurs

Playing is learned, even as adults.

For this game comes the "Merchants", which links Venice in the sixteenth century, to learn to make good decisions at work and discover how to hone their entrepreneurial skills by playing.


The company that produced it, the Gamelearn of Barcelona, \u200b\u200bhas created a very complex simulation: Objective: To become the best Merchant of Venice, through various levels of negotiation and ability to overcome obstacles.

relationships with customers and competition are the focus of Merchants and many companies have already decided to use it for training their managers.

But governments and banks, have decided to use this new way of training play

Merchant is completely online and do not need any installation. does not have a fixed rate, but its price depends on the programming that you choose. watch the video presentation (in English).

For more information click here to visit the site of the manufacturer.