Germany pays great attention to ecological issues, which are now more urgent than ever. You will not see piles of litter, thrown away elsewhere. However, it may be a bit puzzling to understand the system of dealing with garbage in Germany at first. Nearly thirty millions tons of garbage are produced in Germany every year. […]
Buying a car in Australia for foreigners is easy enough. Nearly everywhere in Australia there are numerous car shops, dealers and parking lots, where you can buy a new or used car. It is much simpler to search for a car via the Internet. The leading website in Australia concerning car sales is www.carsales.com.au, which […]
Real estates in Australia are a good investment of your financial means. If you live in Australia permanently, which means that you have a visa of a permanent resident, or if you are an Australian citizen, you face no restrictions, consequently you can buy whatever you want. If you have a temporary visa (job, educational, […]
Some companies in Australia, especially public ones, as well as hospitals and charity foundations, offer an additional benefit: the opportunity to purchase certain commodities for the money earned before paying the taxes. This is called salary packaging. This feature increases the work attractiveness greatly. People are especially willing to buy a car according to salary […]
Current tax system in Australia obliges the residents of the country to pay taxes on all income received both in Australia and abroad. However, if any tax is already paid in the other country, then the taxpayer can get considerable reductions. At the end of the fiscal year (June 30), the taxpayer must fill in […]
Pension Australia has moved far forward in terms of achieving socialism in a sense of taking great care of its citizens. A good example of Social security benefits in Australia is the payment of pensions. Pensions in Australia are paid at a certain age (retirement age for women is 64 and 65 for men), or […]
Educational System in Australia provide their graduates with high-quality, practice-oriented education along with internationally acknowledged diplomas. Australia has a third place in the world in the number of foreign students, leaving the first two places only to the United Kingdom and the USA. This educational excellence is confirmed by the fact that seven Ausralian universities […]
In Australia you usually have four options for insuring your vehicle. Among them there are: compulsory third-party insurance, comprehensive insurance, fire&theft only and third party property only. Compulsory third-party insurance must be owned by every driver. Not having this insurance leads to detentions and is illegal. Such insurance provides cover in case of injuring other […]
Due to the fact that Australia has many attractive tourist destinations and interesting places for examination (260 cities and provinces), the best way to travel is to travel independently by car. Each Australian airport is equipped with car rental service. In this case, the cost of the tour includes car rental and hotel reservations. Modern, […]
In recent years, the interest in higher education in Australia has increased significantly. The country is developing successfully, combining European traditions with Asian business dynamism. Australian economy is now presented by the American, Japanese, Korean and Chinese capital. Undoubtedly, these are the most favorable conditions not only for business, but also for the training of […]
Universities in Australia are occupying leading positions in the Pacific region, their diplomas are recognized worldwide. More than 680,000 students are studying in the universities of this country. The list of only undergraduate programs includes more than 2,000 items. Higher education in Australia for international students is offered by Sydney and Melbourne, the two largest […]
Canada ranks fourth in the world in terms of pension assets, leaving the top three positions only to the U.S., Japan and the UK. The number of pension funds is approximately 150. Three levels of Canada’s retirement system Old Age Security; The Canada Pensіon Plan (CPP); individual pension plans. Old Age Security Old Age Security […]
Thousands of immigrants move to Canada each year attracted by high standards of social protection. Oftentimes immigration officials are faced with the fears of immigrants who, doubting the possibility of a rapid employment, express deep concerns about the lack of livelihood. In Canada you will always have some allowance to cover the most urgent needs […]
The national currency of Canada is the Canadian dollar. Paper money is called “bills”. They are represented in the following denominations: $5, $10, $20, $50, $100, $1,000. Payments in foreign currencies are not accepted in Canada, except for those institutions that are eligible for exchange. There isa lot of such establishments (restaurants and shops) in […]
The majority of the international rating agencies place Canada into second position in terms of development of the system of higher education. An important feature of this system is that most universities in Canada are public and are financed by the Government of Canada, while the percentage of funding allocated for education in Canada is […]
Car insurance in Canada is mandatory. If the policeman stops the car for any reason, you can be sure he will ask you for your car insurance. Penalty for its absence is $5,000. Size of the insurance payments depends on the insured sum, driver’s age and gender (women are considered to be more careful in […]
Insurance business in Canada in terms of capital involved in it holds the second place after the bank business. It is difficult to specify what sphere of human activity in Canada exists without insurance. The range of insurance services includes life insurance, medical insurance, insurance of disability, real estate insurance as well as insurance of […]
Running your own business has always been an attractive alternative to traditional employment in large corporations. Despite all undeniable advantages of private entrepreneurship you must also be well aware of all its underwater rocks. Any businessman encounters the need of suitable equipment sooner or later having to opt between the most efficient ways of its […]
Microcredit Is a Perfect Option As a rule, when applying to banks or lending institutions for the loans, people pursue some goals. They might plan to buy cars or apartments, make some repair or home improvements, have plans for training, education and loads of other things. Borrowers are people who have the money, but most […]
Speaking about ways of financing small business we must clearly define what this term means since the ways to attract additional money by small and big businesses differ and have its own peculiarities. So, small business financing is understood as a set of means allowing a businessman to attract necessary funds either to launch a […]
Having a bad credit history many people abandon further attempts to receive a loan thinking it’s impossible. But as practice shows you can get a loan even with a bad history. A trick is to perform several clever steps and launch a process of rebuilding your credit. Below we will describe some smart methods that […]
1. Collateral Collateral is sometimes necessary to secure the loan. It includes any kind of your property or business that can be sold in case of inability to repay the loan. The loan can be secured by means of equipment, real estate, industrial goods and trade receivables.Another way to secure the loan is to provide […]
Currently, microcrediting is one of the most popular services in credit area. Microcredits are of a high demand not only among the population, but also among small businesses. The reason for it is a simple and convenient procedure applied to obtain funds. Contacting one of the credit or financial institutions it’s possible to obtain the […]
Short-term loan occurs when a bank lends money for a small period of time. It’s a common practice for banking institutions to provide a short-term loan for a period up to one year. Some commercial banks increase the term to two years. The size of the short-term loan Credit institution makes a decision about a […]
Life insurance is an agreement between an insurance policy holder and an insurer according to which the insurer takes an obligation to pay a specified sum of money in case of the insured person’s death. Some contracts may specify not only death but also illness as an insured event. The contract obliges the insured person […]
Health insurance system in the USA is very developed and mainly of a private character. Decentralization, high level of insurance companies’ infrastructure and absence of government regulation are its distinguishing features. System of health insurance in the USA is based on mutual connections between central insurance fund and a network of independent local insurance companies. […]
Renters insurance is a fine option when you rent a common accommodation and are afraid of causing any harm to the property of your neighbors or having your possessions damaged. In case something unexpected and extraordinary happens you can end up with a heavy burden of damages to pay for. To avoid this unpleasant situation […]
When it comes to purchasing a homeowners insurance all people ask the same but very important question: how much am I to pay for it? To determine the exact amount of insurance premium you need to have a clear understanding of the factors that influence the process of premium determination. Let’s examine them briefly. 1. […]
Traveling is a pleasant adventure but very often unpredictable circumstances can spoil all impressions and, even worse, cause substantial financial expenditures. To avoid or at least diminish the uncertainty it’s always worth considering travel insurance option. A basic travel insurance includes such items as flight insurance,trip cancellation and interruption, evacuation, medical and baggage insurance. Additional […]
Home insurance is also known as homeowner’s insurance. It provides coverage of a personal accommodation. Within the framework of this insurance a set of losses is covered. They include damage that happens to the home itself, the belongings, the additional living expenses and the liability insurance for events that may occur inside the home or […]