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Casual Articles - Investing in the Czech Republic - Outside of Prague - Part 3: Ostrava Property
How to Get an Affordable Health Insurance Quote for Individuals and Families
There’s a crisis in health insurance in America these days. While insurance is almost vital to insure medical service in case of an accident or illness, forty million Americans, including thirty million people with families, aren’t insured. We used to be able to rely on our employers to provide insurance. If you had a good job, then you could be assured of having good, affordable insurance. Unfortunately, employers are trying to cut costs in an more competitive economy, and one of the first things to go is employee benefits. Many people have discovered that their job won’t provide insurance for them or their families, and they can’t afford the prices from the individual policies they’ve investigated. Families, the self-employed, and early retirees who aren’t old enough to be covered by Medicare can all have a lot of trouble finding quality health insurance that won’t break the bank. Unpaid medical bills are the single biggest cause of personal bankruptcy declaration in this country. Hospital bills in cases of emergency can run up tens of thousands of dollars in debt, with no recourse.People suffering from pre-existing conditions often have an especially difficult time getting health insurance. Most companies won’t cover these conditions, or force you to wait a very long time before they will cover them. In the meantime, you need regular medical treatment and don’t have the ability to pay for it. Plans that will cover pre-existing conditions are as expensive or more than the health care itse
th the completion of the D-47 highway the infrastructure capacity will greatly increase as well as the ease of travel. Travel time to the Czech capital, Prague, will be shortened to a little over three hours. There’s a crisis in health insurance in America these days. While insurance is almost vital to insure medical service in case of an accident or illness, forty million Americans, including thirty million people with families, aren’t insured. We used to be able to rely on our employers to provide insurance. If you had a good job, then you could be assured of having good, affordable insurance. Unfortunately, employers are trying to cut costs in an more competitive economy, and one of the first things to go is employee benefits. Many people have discovered that their job won’t provide insurance for them or their families, and they can’t afford the prices from the individual policies they’ve investigated. Families, the self-employed, and early retirees who aren’t old enough to be covered by Medicare can all have a lot of trouble finding quality health insurance that won’t break the bank. Unpaid medical bills are the single biggest cause of personal bankruptcy declaration in this country. Hospital bills in cases of emergency can run up tens of thousands of dollars in debt, with no recourse.People suffering from pre-existing conditions often have an especially difficult time getting health insurance. Most companies won’t cover these conditions, or force you to wait a very long time before they will cover them. In the meantime, you need regular medical treatment and don’t have the ability to pay for it. Plans that will cover pre-existing conditions are as expensive or more than the health care itse
Air Transportation:
Ostrava - Mosnov International Airport is located 25 km from the city centre. It is the biggest regional airport in the Czech Republic with a capacity of more than one million passengers per year (current actual figures are just over 200 0
Know Everything about Personal Loans for Bad Credit History
Do you want to avail personal loans?Do you have a bad credit history?Is it creating problem in getting the loan?You can avail personal loans despite having a bad credit history. Yes, personal loans for bad credit history are also available in the loan market. With these loans, you can easily finance your personal desires.At first, we need to define what personal loans for bad credit history are. As a sort of personal loans, these loans are tailored for those borrowers who have a bad credit history. A bad credit history can be result of late payment, skipping payments, country court judgment, arrears, bankruptcy etc.However, a borrower suffering from his bad credit history can avail these loans in two ways; secured and unsecured. The secured option demands a security against the lending amount. Any valuable object can act as a security. Generally, it is seen that people use their home, other real estate, automobile etc as a security. With this option, a borrower can borrow anything in between ?5000- ?75000. The repayment period of these loans varies within 5-25 years.On the other hand, unsecured option does not claim anything against the loan. This option is perfect for non homeowners. By opting for this option, a borrower can borrow anything in between ?5000- ?25,000 for 5-10 years.Now, it comes to the interest rate. Since, these loans are offered to those borrowers whose credit history is bad; hence the interest rate of personal loans for bad credit history i
In the North American school system students seeking to be the best strive for an 'A' grade. However, the school system is not the end of the drive to be the best and earn an 'A' grade. Letter grades are used by rating agencies to rank communities in terms of investment risk. Do you want to avail personal loans?Do you have a bad credit history?Is it creating problem in getting the loan?You can avail personal loans despite having a bad credit history. Yes, personal loans for bad credit history are also available in the loan market. With these loans, you can easily finance your personal desires.At first, we need to define what personal loans for bad credit history are. As a sort of personal loans, these loans are tailored for those borrowers who have a bad credit history. A bad credit history can be result of late payment, skipping payments, country court judgment, arrears, bankruptcy etc.However, a borrower suffering from his bad credit history can avail these loans in two ways; secured and unsecured. The secured option demands a security against the lending amount. Any valuable object can act as a security. Generally, it is seen that people use their home, other real estate, automobile etc as a security. With this option, a borrower can borrow anything in between ?5000- ?75000. The repayment period of these loans varies within 5-25 years.On the other hand, unsecured option does not claim anything against the loan. This option is perfect for non homeowners. By opting for this option, a borrower can borrow anything in between ?5000- ?25,000 for 5-10 years.Now, it comes to the interest rate. Since, these loans are offered to those borrowers whose credit history is bad; hence the interest rate of personal loans for bad credit history i
Ostrava, in recent times, received an 'A3' grade from Moody's Investors Service.
What does this mean to you as a potential investor? What are the other indicators which would point to the health and prospects of Ostrava's property market?
What does this rating actually mean?
There are 25 rankings from Moodys in the investor services, an 'A3' is seventh from the top and is defined as an upper-medium grade. A similar grading company, Standard and Poors, also gave Ostrava an 'A' ranking based on their grading system.
What will that mean for the city?
Some investors will only look at cities with 'A' ratings. It is an indicator of the financial and fiscal health of the community.
Since the restructuring of the industry in the 1990s, the economic platform of the city has changed substantially. In fact, most of its incomes are no longer dependant on local economic conditions.
Ostrava, in receiving this rating, achieved the identical level of rating as other mid-sized cities in Central Europe. Brno, for example, also received an 'A3' rating (for a complete discussion of Brno property and economic developments visit our feature on Brno property.)
Let's go through some other indicators as to the investment potential for this Northern Moravian city.
Area: 214 km2
Population (latest data April, 2004): 315 000
Road Distance from important European and Czech cities:
City / kms
Brno / 170
Olomouc / 93
Prague / 360
Vienna / 310
Bratislava / 300
Warsaw / 300
Budapest / 389
Berlin / 540
Paris / 1 500
With the completion of the D-47 highway the infrastructure capacity will greatly increase as well as the ease of travel. Travel time to the Czech capital, Prague, will be shortened to a little over three hours.
Air Transportation:
Ostrava - Mosnov International Airport is located 25 km from the city centre. It is the biggest regional airport in the Czech Republic with a capacity of more than one million passengers per year (current actual figures are just over 200 00
E-Currency Exchange: The First Bonanza of the 21st Century?
The 21st century has introduced the world to a new way of doing business. It’s now a foregone conclusion that global commerce will be as revolutionized by it as Henry Ford’s mass-production techniques were a defining characteristic of the 1900s.The business is e-currency, which allows Internet-based purchase and sales transactions involving almost anything to be safely conducted at lightning speed. Safeguards are in place to make identity fraud, chargeback prevention and funds verification much more of a surety than anything the conventional means of payment in the non-cyber world can provide.E-currency may only exist in the cyber world, but that is nothing new. The euro began in the same manner. It was officially accepted by the countries of the European Union in 1999 to simplify business by eliminating exchange rates, but it began life 20 years before that by private financial institutions who saw it as an idea that had to happen. By 2002, the euro evolved from cyber-tender to hard cash and is now arguably the second-most influential currency in the world.The Internet’s globalization of commerce on an instantaneous basis means that, where the euro has already gone, today’s e-currencies will follow.However, there is still one major issue that needs to be resolved before all is proclaimed to be perfect in the rapidly expanding multi-billion-dollar world of cyberspace. There are still many different e-currencies in existence, with no universally accepted forum for exchanging them w
d prospects of Ostrava's property market? The 21st century has introduced the world to a new way of doing business. It’s now a foregone conclusion that global commerce will be as revolutionized by it as Henry Ford’s mass-production techniques were a defining characteristic of the 1900s.The business is e-currency, which allows Internet-based purchase and sales transactions involving almost anything to be safely conducted at lightning speed. Safeguards are in place to make identity fraud, chargeback prevention and funds verification much more of a surety than anything the conventional means of payment in the non-cyber world can provide.E-currency may only exist in the cyber world, but that is nothing new. The euro began in the same manner. It was officially accepted by the countries of the European Union in 1999 to simplify business by eliminating exchange rates, but it began life 20 years before that by private financial institutions who saw it as an idea that had to happen. By 2002, the euro evolved from cyber-tender to hard cash and is now arguably the second-most influential currency in the world.The Internet’s globalization of commerce on an instantaneous basis means that, where the euro has already gone, today’s e-currencies will follow.However, there is still one major issue that needs to be resolved before all is proclaimed to be perfect in the rapidly expanding multi-billion-dollar world of cyberspace. There are still many different e-currencies in existence, with no universally accepted forum for exchanging them w
What does this rating actually mean?
There are 25 rankings from Moodys in the investor services, an 'A3' is seventh from the top and is defined as an upper-medium grade. A similar grading company, Standard and Poors, also gave Ostrava an 'A' ranking based on their grading system.
What will that mean for the city?
Some investors will only look at cities with 'A' ratings. It is an indicator of the financial and fiscal health of the community.
Since the restructuring of the industry in the 1990s, the economic platform of the city has changed substantially. In fact, most of its incomes are no longer dependant on local economic conditions.
Ostrava, in receiving this rating, achieved the identical level of rating as other mid-sized cities in Central Europe. Brno, for example, also received an 'A3' rating (for a complete discussion of Brno property and economic developments visit our feature on Brno property.)
Let's go through some other indicators as to the investment potential for this Northern Moravian city.
Area: 214 km2
Population (latest data April, 2004): 315 000
Road Distance from important European and Czech cities:
City / kms
Brno / 170
Olomouc / 93
Prague / 360
Vienna / 310
Bratislava / 300
Warsaw / 300
Budapest / 389
Berlin / 540
Paris / 1 500
With the completion of the D-47 highway the infrastructure capacity will greatly increase as well as the ease of travel. Travel time to the Czech capital, Prague, will be shortened to a little over three hours.
Air Transportation:
Ostrava - Mosnov International Airport is located 25 km from the city centre. It is the biggest regional airport in the Czech Republic with a capacity of more than one million passengers per year (current actual figures are just over 200 0
Well Yippie Skippy for the FTC?
The Federal Trade Commissions Consumer Protection Division now says that SPAM only accounts for 67% of the email you get instead of 70% to 80% and they are attempting to call this a victory? Although no one can confirm this as it is from a media source which accepted the Federal Trade Commission’s Public Relations “PR” piece, it seems that this is nothing to toot one’s horn over? The FTC says much of the reason for this is because SPAM filters in the private sector had gotten better? Yet I ask the question what does this have to do with the FTC’s work in the SPAM issue, as today we have to worry about IM.SantaGift.com; the famous Santa Virus Worm? Merry Christmas FTC, thanks for nothing.The FTC citing a research data set from MXLogic said that SPAM was down over 9%; and again I say; “Well whoppie do? Yippie Skippy for the FTC hippie Team!” What a frigging joke? 9% is squat, you see since the FTC got onto the case they spent 6 months figuring out a definition for what SPAM was and it went up approximately 3000% judging from my email box. Is this our Federal Trade Commission at work? In their report to Congress I believe they not only misrepresented truth to further next year’s budget and make it look like they were doing something useful. I believe they should be disgorged from their ill-gotten gains of next year’s budget for deceiving the American People and the Consumer they claim they are protecting in the FTC’s consumer protection division, what a fa?ade, a farce and complete hypocrisy? Give me a b
scal health of the community.The Federal Trade Commissions Consumer Protection Division now says that SPAM only accounts for 67% of the email you get instead of 70% to 80% and they are attempting to call this a victory? Although no one can confirm this as it is from a media source which accepted the Federal Trade Commission’s Public Relations “PR” piece, it seems that this is nothing to toot one’s horn over? The FTC says much of the reason for this is because SPAM filters in the private sector had gotten better? Yet I ask the question what does this have to do with the FTC’s work in the SPAM issue, as today we have to worry about IM.SantaGift.com; the famous Santa Virus Worm? Merry Christmas FTC, thanks for nothing.The FTC citing a research data set from MXLogic said that SPAM was down over 9%; and again I say; “Well whoppie do? Yippie Skippy for the FTC hippie Team!” What a frigging joke? 9% is squat, you see since the FTC got onto the case they spent 6 months figuring out a definition for what SPAM was and it went up approximately 3000% judging from my email box. Is this our Federal Trade Commission at work? In their report to Congress I believe they not only misrepresented truth to further next year’s budget and make it look like they were doing something useful. I believe they should be disgorged from their ill-gotten gains of next year’s budget for deceiving the American People and the Consumer they claim they are protecting in the FTC’s consumer protection division, what a fa?ade, a farce and complete hypocrisy? Give me a b
Since the restructuring of the industry in the 1990s, the economic platform of the city has changed substantially. In fact, most of its incomes are no longer dependant on local economic conditions.
Ostrava, in receiving this rating, achieved the identical level of rating as other mid-sized cities in Central Europe. Brno, for example, also received an 'A3' rating (for a complete discussion of Brno property and economic developments visit our feature on Brno property.)
Let's go through some other indicators as to the investment potential for this Northern Moravian city.
Area: 214 km2
Population (latest data April, 2004): 315 000
Road Distance from important European and Czech cities:
City / kms
Brno / 170
Olomouc / 93
Prague / 360
Vienna / 310
Bratislava / 300
Warsaw / 300
Budapest / 389
Berlin / 540
Paris / 1 500
With the completion of the D-47 highway the infrastructure capacity will greatly increase as well as the ease of travel. Travel time to the Czech capital, Prague, will be shortened to a little over three hours.
Air Transportation:
Ostrava - Mosnov International Airport is located 25 km from the city centre. It is the biggest regional airport in the Czech Republic with a capacity of more than one million passengers per year (current actual figures are just over 200 0
Instant Decision Personal Loans - Fulfill Your Desires In No Time
Instant decision personal loans aim at providing financial assistance to people, who are in urgent need of money. You can avail instant decision personal loans to meet any of yours personal or professional needs like paying debts, medical bills, car reputes etc. Instant decision personal loans are available in two forms, secured and unsecured. Borrowers needs to put collateral against the loan amount in order to avail secured instant decision personal loans. The security can be home, car, jewelry etc.On the other hand no such collateral is needed to avail an unsecured instant decision personal loan. Instant decision personal loans can be availed by bad creditors. Anyone suffering from bad credit status due to arrears, defaults, LLJ, IVA etc can avail instant decision personal loans. You must have a regular source of income, full time job and a working bank account in order to avail instant decision personal loans. With instant decision personal loans you can avail an amount ranging from ?100 to ?1000 with a repayment duration that ranges from two weeks to a month at maximum. Being short term in nature instant decision personal loans carry slightly high interest rate.BENEFITS OF INSTANT DECISION PERSONAL LOANSInstant decision personal loans are very beneficial for people in need of urgent cash. Unsecured instant decision personal loans can be availed by tenants and paying guests who don’t own a home. Homeowners who don’t want to risk their property can also avail unsecured instant decis
eature on Brno property.) Instant decision personal loans aim at providing financial assistance to people, who are in urgent need of money. You can avail instant decision personal loans to meet any of yours personal or professional needs like paying debts, medical bills, car reputes etc. Instant decision personal loans are available in two forms, secured and unsecured. Borrowers needs to put collateral against the loan amount in order to avail secured instant decision personal loans. The security can be home, car, jewelry etc.On the other hand no such collateral is needed to avail an unsecured instant decision personal loan. Instant decision personal loans can be availed by bad creditors. Anyone suffering from bad credit status due to arrears, defaults, LLJ, IVA etc can avail instant decision personal loans. You must have a regular source of income, full time job and a working bank account in order to avail instant decision personal loans. With instant decision personal loans you can avail an amount ranging from ?100 to ?1000 with a repayment duration that ranges from two weeks to a month at maximum. Being short term in nature instant decision personal loans carry slightly high interest rate.BENEFITS OF INSTANT DECISION PERSONAL LOANSInstant decision personal loans are very beneficial for people in need of urgent cash. Unsecured instant decision personal loans can be availed by tenants and paying guests who don’t own a home. Homeowners who don’t want to risk their property can also avail unsecured instant decis
Let's go through some other indicators as to the investment potential for this Northern Moravian city.
Area: 214 km2
Population (latest data April, 2004): 315 000
Road Distance from important European and Czech cities:
City / kms
Brno / 170
Olomouc / 93
Prague / 360
Vienna / 310
Bratislava / 300
Warsaw / 300
Budapest / 389
Berlin / 540
Paris / 1 500
With the completion of the D-47 highway the infrastructure capacity will greatly increase as well as the ease of travel. Travel time to the Czech capital, Prague, will be shortened to a little over three hours.
Air Transportation:
Ostrava - Mosnov International Airport is located 25 km from the city centre. It is the biggest regional airport in the Czech Republic with a capacity of more than one million passengers per year (current actual figures are just over 200 0
Background Checking: They Aren't Just Checking References Any More
For the longest time, employers would do simple background checks. They have a potential employee complete a job application where they were asked for three professional references. Before the employee was hired, the three would receive a telephone call and tell the potential employer that the job applicant was a wonderful individual who would do incredible things for them, just as they had done before.For a while, polygraphs or lie detectors became part of the standard arsenal of checking until, fortunately, legislation was passed in many states eliminating it as a tool (they were notoriously inaccurate).In a recent poll, 77% of employers surveyed were searching the web for information about new hires and 35% had eliminated a candidate based upon something they found there.A few years ago, a manager I was working with at a hedge fund Googled the name of a job applicant for a technical position and found a posting where they had written that they were still working in technology only because they had suffered large trading losses and wanted to join a company where they could learn what they did wrong—in other words, learn how my client traded and steal the model. Suffice it to say, the candidate was rejected.Companies are examining listings on www.myspace.com and www.facebook.com to determine whether the job applicant might have done something inappropriate.And, as they have for years, many are doing background checks including checks of your financial responsibility (credi
th the completion of the D-47 highway the infrastructure capacity will greatly increase as well as the ease of travel. Travel time to the Czech capital, Prague, will be shortened to a little over three hours. For the longest time, employers would do simple background checks. They have a potential employee complete a job application where they were asked for three professional references. Before the employee was hired, the three would receive a telephone call and tell the potential employer that the job applicant was a wonderful individual who would do incredible things for them, just as they had done before.For a while, polygraphs or lie detectors became part of the standard arsenal of checking until, fortunately, legislation was passed in many states eliminating it as a tool (they were notoriously inaccurate).In a recent poll, 77% of employers surveyed were searching the web for information about new hires and 35% had eliminated a candidate based upon something they found there.A few years ago, a manager I was working with at a hedge fund Googled the name of a job applicant for a technical position and found a posting where they had written that they were still working in technology only because they had suffered large trading losses and wanted to join a company where they could learn what they did wrong—in other words, learn how my client traded and steal the model. Suffice it to say, the candidate was rejected.Companies are examining listings on www.myspace.com and www.facebook.com to determine whether the job applicant might have done something inappropriate.And, as they have for years, many are doing background checks including checks of your financial responsibility (credi
Air Transportation:
Ostrava - Mosnov International Airport is located 25 km from the city centre. It is the biggest regional airport in the Czech Republic with a capacity of more than one million passengers per year (current actual figures are just over 200 000 per year and expected to triple next year) and a runway 3500m in length and 63m wide, allowing it to accommodate the world's largest airplanes. Currently it caters to both domestic and international flights.
Although there are currently not any well-known low cost carriers flying into Ostrava we expect it will only be a matter of time.
Average monthly salary for Ostrava region (2004): 18 966 CZK
Average monthly salary for Czech Republic (2004): 18 582 CZK
Average monthly salary for Czech Republic (2005 2nd Q): 18 763 CZK
Education: 16.3% of residents in Ostrava have University level education compared to 9.4% Czech wide.
Average temperature in January: - 2°C to -4°C
Average temperature in July: 15°C to 19°C
(hey, some investors want to know this....)
Economy:
Industrial production has always had a strong factor in the economy of the Ostrava region. Mainly its been based on the excavation and processing of coal and on related branches - metallurgy, the coking industry, the chemical industry, electric power generation, civil engineering and heavy engineering. Metallurgy and heavy engineering remain the largest employers in the City.
Some of the Largest Employers in Ostrava
Employer / Business / Activity / Employees (Jan. 2004)
Mittal Steel Ostrava a.s. / Metallurgical production, manufacture of metallurgical and engineering final products / 10 968
Faculty Hospital / Healthcare / 3 180
Czech Railways / Transportation and communication / 3 075
Vitkovice Machining / Machining and Metallurgy / 2 697
Vitkovice Steel / Metal production, processing / 1 682
Ostrava Blast Furnace / Metals and coking-chemical production / 1 305
Foreign Investors in Ostrava
(by no means comprehensive, only a sampling)
Investor (Country) / Business Activity / Employees (Jan. 2
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