Everything you need to know to buy or sell a used car

Todo lo que debes saber para comprar o vender un coche usado

Buy or sell a used car can be cumbersome; First, choose well, then the procedures, prevent fraud, know how much to pay, or ask… Then we give you a few tips that will be useful wing time to buy or sell a used vehicle

1. Always requests a vehicle report:
You can order it at any traffic headquarters, it will cost you € 8.20 and you will jump at the time; or in an agency, where will charge you € 20 and 24 h approximately, will be sent you to your email account.This document appears, among other data, the date in which the car for the first time – was registered it so you can make sure that unit-real antiquity, what ITVs has passed, if you have pending charges, the use for which was registered – private, rental, taxi, of learning or of driving car–and the name of all owners including the current one. For this reason, will serve to check several issues:

A. If the person who sold you the car – and is going to sign the contract of sale – is really the owner. If it is a mere intermediary – it can occur in the case of sales selling a private – car, then not you can claim anything.

B. If the vehicle does not have pending charges, such as:

  1. Reserve domain. It’s a clause, whose existence is very common in cars whose first purchase has been financed, which prevents its sale… until you are not paid full credit to the Bank or financial. “Eye, because if the seller has not canceled it – may be because money still due to the financial or has forgotten to do so-, traffic will not transfer the vehicle on your behalf until you cancel. “The worst thing is that if you buy a car without checking it and the seller does not want to pay what you owe to the financial, you must do it: is the only way that car is put on your behalf”, warns Olga Muñoz, responsible for management of CEA.
  2. The embargo for non-payment of any fines or non-payment of fines very serious – as alcohol, driving reckless…-. If the seller of the vehicle imposed her sanctions for very serious offences and € has not paid them or traffic has come to garnish your account for non-payment of any fine, the car may not be transferred to your name unless the seller pay them.
  3. Payment of the tax on movement of the previous year. I.e. If you want to buy a car in 2014, the seller should be aware of the payment of the tax in 2013. If it is not, the vehicle may not be put to your name, until someone paid it: the seller € or yourself.  

C. If the car has the ITV day. Eye, because although traffic already handles the change in the ownership of vehicles that have not passed the ITV correspondent, if that is the case of the car that you buy, the registration certificate in your name will not be valid until you pass. Do it as soon as possible because that means that if you city that vehicle and you stop, they can punish you for going with the expired ITV – means of sanction – 200e and, also, do so with a registration certificate has no validity – fine-80e.

2 remember who pays according to costs.
Keep in mind that the buyer is usually responsible for payment of the tax for transmission of assets – representing 4% of the value of the car, according to finance-pay rates of sale of a car in the DGT – 52, 8e – and agency – about 120e, costs if the purchase is made through one-; but the payment of these expenses can be negotiated – in addition, if the ITV of the car is about to expire, weighs ask the seller to do you a rebate equal to the cost of the same one.Moreover, the seller will always have to pay the current year municipal road tax: has to pay anyone to date car owner on January 1.

3 – Finally, and it recommended the DGT, never deliver a vehicle without having in your hands the contract of sale or a photocopy of it – if you sell to a particular – or invoice – if you give it to a sale – and a photocopy of the DNl – or NIES if they are natural persons, or CIF, if they are companies.In addition, to avoid problems with potential fines, indicates to the purchaser that, within 15 days, forward you a copy of the registration certificate stating that the vehicle is already to his name. If it does not on that date – and to avoid problems-, go to your headquarters to communicate that you’ve sold the vehicle: you will have to request the printed ´de venta´ notification, pay a fee of € 8.20, and present your ID card and a copy of the contract of sale indicating the ID of the buyer.

AND BEWARE THE PRICE THAT INDICATES

If you buy a car to a private individual, you will have to pay, as property transfer tax, 4% of the valuation of this car – the figure provides it finance from own tables; you can find those of 2014 in the Official Gazette. Some individuals prefer to put in the contract priced below markup by Treasury to pay less taxes, but… what usually happens? Maybe that Treasury notified, few months later, which has inspected the contract and paid in taxes is not correct, requesting the buyer the payment of the actual amount… more surcharge – to round 20%-. Why not we advise it you.

Modelo de contrato de compra-venta de coche entre particularesWhat must have, at a minimum, a contract of sale

Online, you’ll find plenty of sales contracts, but eye, because many do not reflect all the requirements that would be desirable – for example, from the DGT recommended to record in the contract of the time at which the vehicle is delivered, so that, if the car is punished the same day, is evidence of a name of who was at the time of the penalty. We provide, so you download it directly – remember to print it by duplicate–one of the most complete sales contracts, carried out in collaboration with the Agency online – information on auto occasion usagé.

PERSONAL DATA

  • Least. At the beginning of the contract should include the date of the transaction, both parties – with name, DNI, address…-personal data.
  • What add to avoid problems. It is important that contained the vehicle data that sells: brand and model, displacement, registration, Vin, mileage marks at the time of the sale and, if any, extras that includes.

STATE OF THE VEHICLE

  • Least. A second section should appear in that the buyer has reviewed the car accepts the State in which it is; any defect – mechanic, painting, any item that is broken or missing…-will be shown in detail.
  • What add to avoid problems. Let a mechanic inspect the vehicle – will cost you from 60e/hour – and detail in a document annexed to the contract and also signed by seller and buyer, the State of the main mechanical elements of the car: bodywork, engine, shift, clutch, address, tires… Thus, as seller will avoid any future claims and as a buyer you have the safety of the car in good condition.

YOU NEED TO MAKE THE TRANSFER OF A CAR

IF YOU GO TO TRAFFIC

  1. Application: it is a form provided on traffic – free – or that you can download from dgt.es and which must complete and sign the buyer and the seller.
  2. ID – card or passport or NIES – original photocopy of the document of the seller and the buyer.
  3. Documentation of the vehicle, the sheet and the original of the registration certificate.
  4. Contract of sale with the signature of seller and buyer. Remember that to carry out this management, before you’ve had to go to the Inland Revenue of your ACS. where, by presenting the above-mentioned documentation, you will have to pay the property transfer tax – filling model 620-corresponding to that vehicle.

AND IF YOU GO TO AN AGENCY

  1. Photocopy of ID – Passport or NIES – buyer and seller – the Agency ask you the originals to collate them.
  2. Documentation of the vehicle – see ´Si go to trafico´. The contract will be signed in the own agency. In case of agencies online, will request you you send them by e-mail documentation and signed contract. Please note that to go to certain headquarters *, it is necessary to request appointment through dgt.es-“means a delay of approx. 15 days”, says Muñoz. That Yes, if you go to traffic, will facilitate you the final registration certificate; whereas if you go to an agency, you daram interim one: the definitive sent you it to your House “in approximately” one week.

LONG eye: The SCAMS that you should be careful

  • IF YOU BUY THE CAR TO A SALE
    Check out the transfer of the company on your behalf car consisting in the contract. If the previous owner – which is the ´vendio´ to the sale – won’t have right to any guarantee, it is ´legalmente´ of a sale between individuals: only cars sold by companies must have, by law, one year warranty.
  • EYE WITH THE MILEAGE
    It is one of the most common ´despistes´: no record in the contract of the kiloemtros contained in the odometer at the time of purchase. If then you find the odometer was manipuulado – and that the car has more – won’t have any evidence for claim to the seller that you compensate for this… or accuse you of ´estafa´: eye, only you can do this if you consists that it did.
  • ATTENTIVE TO THE ´PIRATAS´
    In recent years, and with the crisis, has become relatively common to ´vendedores pirata´ – individuals who sold cars on the street – intermediaries to make and sell a car which, in reality, his name is not. If you find this case, withdraws from the purchase: not be able claim them nothing, since they do not appear in the contract.

AND WHAT TO DO IF YOU HAVE ALREADY RIPPED OFF

  • IF YOU BUY THE CAR TO A COMPANY.
    Any claim must make it directly to her, talking to the commercial. If they ignore you, fill in the settlement sheet of claims and report your case to the body’s consumption of your town hall or community – national consumption Institute web you will find how to do it successfully.
  • IF PURCHASE BY A PRIVATE INDIVIDUAL.
    The situation is complicated: legally, you have six months to claim due to problems in the car that you has not informed the seller – the so-called ´vicios ocultos´ *; but wear and tear elements such as wheels – are excluded. The problem? Give him, so take care of the repair. Therefore, in the majority of cases you will have to go to a lawyer.

If you buy a used car, you also want to know…

  • What 10 point check before buying a used car
  • So the failure of a vo camouflage
  • Why equipment bet when buying a used vehicle
  • How to choose the V. O. perfect

And if you’re going to sell…

  • Which photos have to do to sell your car before
  • Avoid get ripped off on the internet to buy or sell a used vehicle

And whether you are buyer and seller ncesitaras a tool that will allow you to know the price of all and each of the models of market opportunity. In the Guide Autofacil V.O. You’ll find vehicles classified by brand, model and age – included the month of registration – and show you how you can calculate your price based on your mileage.In addition, each model will find a description and e information about emissions, strengths and weaknesses of each car, the values of purchase and sale to a dealer…

Autofacil V.O. It is made in collaboration with the multinational Iberian DAT. DAT gets more realistic estimations because gets its data at dealerships, for sale on the Internet portals… Even the National Institute of statistics relies on DAT to control the evolution of the prices of the used, and take it into account when preparing the CPI. DAT has been responsible for ratings of all models that are reflected in our guide.

How to attract the ideal job using the law of attraction

atrae el trabajo ideal

Do you motivate your work? Do you wake up every day with the joy of a person who is happy with the job that has? Do you feel accomplished and wanting to continue to prosper?

If you’ve answered “no” to any of these questions is because you have still not found the ideal job, but you can do it if properly apply the Law of attraction. How? In three easy steps.

If you are asking yourself “how to find best jobs near me

Many people spend hours and hours in search for the ideal job, but don’t realize that are actually attracting the opposite. Why? First of all because what they want is not the ideal job, but find it. So rather than focus on search and search, focus on results, to find. And for that before you must define what you want exactly.

Write down on paper what you are given well do, tasks you do with enthusiasm and total involvement, what kind of work would you like to have. Also scoring to what income you expect, the time that you would like to have free, how would you like to be the relationship with your teammates, you need to feel accomplished and useful… Describes, with every little detail, what is your ideal work. When you know it, it will be much easier to find it.
Then, devote massive attention and focus: take a few minutes each day to visualize that ideal job, made statements that put you on the correct frequency, create your poster of demonstration to change vibration every time you see him… Get everything that is in your hands to convince you that deserve this job and that in fact already is underway.

Keep the right attitude

“Work sweetens the life, but not all sweets like”. That phrase, said Victor Hugo, one of the most important French writers of all time.

Do you think that he hated his work? Do you think working out of obligation and unmotivated? No. And that is just the first step to attract the ideal job: have and keep the right attitude.

There are many people who are unemployed and unable to find work, others who have jobs that fail to motivate them, and others who go to work every day with a big smile and desire to conquer the world. What you think is the difference between these three kinds of people? Indeed: the attitude.

If you don’t have a job and you regret about the situation that you are living, you don’t have a correct attitude. If you think you’re not able to find the ideal job, you don’t have the right attitude. If you have a job that you don’t like and make your tasks with resentment and lame

 

many, not to have the right attitude. Why? Because we attract what we think, and with that attitude you are paying attention or focus to the problems you are emitting negative vibrations that say to the universe: “give me more than what I already have”.

How to change that? Begins to believe in you, trust in your abilities and possibilities, seeks to work with the certainty that you will find it and not only that: performs the search for your dream job as a necessary process that ensures you to find it.

The right attitude means optimism, think positively, focus on solutions and not think about the problems, believe in the law of attraction and oneself, be sure that you deserve that job and get the right tune.

But the right attitude also involves removing doubts, not thinking of the ways because that already handles the universe want tangible things, not wanting to make a radical economic change in a day, challenge the beliefs and respect other complementary laws such as the law of gestation.

If you know which experiences want to attract and keep the right attitude, you have almost all done. Yes, almost all, because still missing an important step: the action.

To apply the law of attraction: take action

What will you get if you think about the dream job and you think that you can do it but instead you stay sitting on the couch watching TV?

For results, it is essential to take action. Send resumes, train you to be the best candidate, salt to walk or run one hour per day to aerate the mind and relax the body, drink plenty of water to oxygenate the brain and have some clear thoughts, tell your acquaintances and friends work are in process of finding (that will help you to acquire extra motivation and, in addition, may be aware of any work!) move in environments that facilitate you to find work, surround yourself with positive people and business successes, learn from those who already got it… Every small action you take is a path to the ideal job.

Think that the universe is already fulfilling its part, now it’s your turn you fulfill yours. Is waiting… ideal work are going to miss it?
In addition to all these tips, you can read our free report that you will learn much more about the law of attraction and its performance in all areas of your life, including work.

We guarantee that if you apply all of these concepts successfully, you’ll be close by having the job you’ve always wanted. Are you going to put it all into practice? Tell us about your experiences in the comments, glad to know how you will.

 

The economy of the South of Morocco requires dentists, nutritionists, active tourism and training, according to Hispafrica

The real economy of the South of Morocco demands professional activities such as provision of services at the level of dentistry, trauma, eye doctors, professionals in the tourism sector and specialized training centres, Hispafrica said in a statement.

In this way, the Association explained that these are real the main demands of the economy for entrepreneurs and professionals canarios, according to the report by Canarias-Marruecos 2013 Real economy on the labor market of the Islands.

This document reflects that the “main opportunities are perfect for an entrepreneur entitled Islands you need to create a firm or a query in sectors of health care or in other fields as the active tourism to provide confidence to Canary Island interior tourism getaway or weekend seeking experiences related to the natural environment”.

Also, Hispafrica recalled that the increase in private expenditure on the population of the South of the country after the reforms undertaken in recent years with an economic growth of 5% in terms of GDP.

“Rather than talk about large business corporations, in accordance with the size of Canary firms, have to make the leap to respond to entrepreneurs with crisp, clear information because the entrepreneur is an entrepreneur and playing their money, in multiple cases, incentives from unemployment, i.e. the entrepreneur is not an employee going to poll a market”, said the report on economy Real Canarias-Marruecos 2013.

Furthermore, connectivity, Hispafrica report said that it is necessary that entrepreneurs Canaries lost the stage fright and the area south of Morocco is “ideally suited” for young people or Canaries unemployed by the limited financial ability to execute the implementation of your business.

“Is not intended to encourage emigration, but yes to supplement income since the Canarian market is saturated with such services and, with a good business strategy, quality and communication policy, they are profitable from the first moment,” said the Association.

The text adds that the presence of Royal Air Maroc, Sahara Fly and Binter Canarias bring a competitive edge to make flights prices go down and, therefore, greater mobility of entrepreneurs.

“Entrepreneur does not move by boat, does in aircraft and, therefore, must let the shipping business for export; But if it is for a business or an activity that serve three days in week, for example, you need an entrepreneur is air quality, reliable, and agile”, indicates the study of Hispáfrica RSE.

In this sense it suggests that airlines that joined in Canary Islands with Morocco believe a Tarifa undertakes to promoters of business so far in unemployment that allows them, for example, the elasticity needed to travel on a permanent basis and, thus, promote corporate tourism between both markets that, “in the background is the same”.

Coffee economy and economic development in Colombia

Colombians can not forget that coffee has been one of our most important export products. Its production level is so high that commits 590 municipalities and Andean departments.

The area available for cultivation of coffee is about 3.6 million hectares and is grown on 970,000 hectares, employing families who owned the coffee grounds, and thousands of coffee pickers that make up the bulk of workers indirect and indirect situation determines that it is our industry emblem.1 Coffee is the second most valuable commodity in the world, with oil first. Worldwide, there are more than 20 million farmers located in 50 countries. The cultivated area is estimated at 11 million hectares under grain. The largest producing country is Brazil with 45.9 million bags produced in 2008 according to the statistics of the OIC, followed by Vietnam with 18.5 million bags, Indonesia with 9.35 million sacks and Colombia with 8.65 million. World production for coffee year from October to September 2007-08 was 128.5 million bags.

United States carried 26% of world imports, representing more than 130 million regular users. 30% of retail sales are efect.an through a distribution chain, and there are more than 10,000 coffee shops institutionalized as having spread the product through hundreds of franchises in the country.

Economy and accounting, their differences

While economics studies how resources are allocated to meet the needs of a company, accounting records financial and economic information. Just so you know a little more, do not miss this note.

Economics and Accounting are career management area, and may be similar. Teachers of the USMP , Walter Bazan the Professional School of Economics and Alonso Rojas of the Professional School of XERO bookkeeping software , you have what are their differences:

What is each?

Economy: It deals with how to allocate resources and analyze the relationship between these resources and social strength of a company. Accounting. He is responsible for managing financial, accounting, economic information and control of companies or organizations Where work their Professional?

Economy: Can work in companies, banks, stock exchange, microfinance, among others.

Accounting: Can work as CEO of any company, as chief accountant in the financial area, etc.
If you are interested in studying these races, you have to know that the economy  and the  Contabilidad  are careers that offer many opportunities for you in the future.

And you know, please write your  questions and comments.

Best Books of 2014 economy, the Financial Times

For ten years, the prestigious British business daily Financial Times awarded prizes to the best economics books of the year, this time in collaboration with McKinsey. And the winner of this year is none other than the volume of everyone speaks, although very few have read. It’s ‘Capital in the XXI century’, the French economist and professor at Harvard University Thomas Piketty.

Although an investigation conducted by the FT itself brought to light the many statistical errors contained in the book, which contradict the main conclusions he reaches Piketty, the jury decided to award the prize for having provoked an intense debate on the growth of inequality and ways to combat it. ‘Capital in the XXI century’ is about the long-term economic inequality, concentration of wealth, the impact of this on economic growth and what, according to the author, should the policy to correct these trends.

Among the winners is Catcher in the rye pdf free. The disturbing work Angwin, investigative journalist, explains how the government, private companies and even criminal organizations use technology to access all of our data, including the most secret, and use this knowledge to their own purposes. For lovers of conspiracy theories.

Very interesting is The Second Machine Age, Erik Brynjolfsson and Andrew McAfee.These professors at the Massachusetts Institute of Technology explain the economic consequences of the technological revolution taking place with machines capable of diagnosing diseases or driving cars, and how to incorporate these advances into our lives without causing any deterioration in employment or working conditions.Fundamental to prepare for technological barrage that lies ahead.

In China’s Second Continent: How a Million Migrants Are Building a New Empire in Africa, former correspondent for The New York Times in Western Shanghai and Central Africa, Howard French, brings to light aspects of the strong economic presence, politics China’s human and throughout the ‘Black Continent’ and how it affects people, for better and for worse. For that we leave finding meaning Chinese rule.

The renowned writer and financial journalist Michael Lewis, author of hits like Poker or Liar’s big bet, is also among the winners with Flash Boys: The revolution of Wall Street against those who manipulate the market. In this book, Lewis speaks of a secret financial transactions via computer media, called high frequency trading operations, and the dangers that can be used to manipulate markets. Come, financial conspiracies another story written by an author who know the world of Wall Street and its internals, among other reasons because he worked in the now defunct investment bank Salomon Brothers.

In a very entertaining book entitled GDP: A Brief but Affectionate History, Professor of the Universidad de Manchester Diane Coyle tells why the GDP was invented and how small changes in this indicator may decide the outcome of parliamentary elections, exercise a great influence on the most important or whether a country can still access the credit or, conversely, be thrown into hell of recession policy decisions. Fundamental to understanding the world in which we live and why, for example, the European authorities have insisted both activities meter in GDP as questionable from a moral point of view as prostitution or drug trafficking.

To get to know the energy revolution that is taking place, nothing like the book by journalist of The Wall Street Journal entitled The Russell Gold Boom: How Fracking Ignited the American Energy Revolution and Changed the World. The best essay to understand what is happening with the oil and its consequences.

Also on the list of winners is Innovative: The genius who invented the future, Walter Isaacson, world famous for its extraordinary biography of Steve Jobs. This time, Isaacson tells the fascinating story of the people who invented the computer and the Internet, a book destined to become the definitive history of the digital revolution and an indispensable tool for understanding how innovation really happens guide.

The list is completed with Creativity, Inc .: Overcoming the Unseen Forces That Stand in the Way of True Inspiration, Ed Catmull and Amy Wallace; Hack Attack: How the truth caught up With Rupert Murdoch, written by Nick Davis; book Atif Mian and Amir Sufi House of Debt: How They (and You) Caused the Great Recession, and How We Can Prevent It from Happening Again; Fragile by Design: The Political Origins of Banking Crises and Scarce Credit, Charles Calomiris and Stephen Haber; Shredded: Inside RBS: The Bank That Broke Britain, Ian Fraser; Sons of Wichita: How the Koch Brothers Became America’s Most Powerful and Private Dynasty, Daniel Schulman; The Glass Closet, John Browne, and The Hard Thing About Hard Things: Building a Business When There Are No Easy Answers, Ben Horowitz.

Take note of all these titles, because many of those who are no longer available in Spanish can be found in our market soon.