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t physical exercise but you will be starting a very importan
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MessaggioInviato: Sab Dic 01, 2018 9:00 am    Oggetto:  t physical exercise but you will be starting a very importan
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YAOUNDE, March 11 (Xinhua) -- The 14th edition of the International Cycling Tour of Cameroon kicked off here Saturday.


Eleven teams which consist of 63 cyclists from 10 countries are participating the 9-day tour of 8 laps.


The tour is organized by Cameroon Cycling Federation under the supervision of International Cycling Union. According to the organizer, the first lap is from Yaounde to Bafia, a town in Central Region of Cameroon, covering a distance of 121 kilometers.


The 10 countries particpating the tour are host Cameroon, Morocco, Rwanda, Cote d'Ivoire, Congo DR, Belgium, France, Holland, Germany and Slovakia. Out of them, Belgium is the first time to participate. Host Cameroon has two teams for the tour, the others have one each.


The total 8 laps run through 5 regions of Cameroon covering a distance a 956.7 kilometers. Last year's champion Morocco team wishes to keep the title this year.


International Cycling Tour of Cameroon started in 2003. This year's tour will finish in Yaounde on March 19. Enditem


Le financement de l'acquisition d'un logement est en general une combinaison de fonds propres et d'un pret hypothecaire (une proportion de 20% de fonds propres pour 80% de fonds etrangers etant assez repandue en Suisse). Les fonds propres peuvent provenir des economies personnelles
, d'une aide familiale ou autre (pret, donation) ou aussi d'un mecanisme d'aide à l'acquisition du logement.


Les aides
Il existe plusieurs mecanismes legaux (federaux et cantonaux) d'aide à l'acquisition d'un bien immobilier. Le plus courant releve de la loi federale sur l'encouragement à la propriete du logement au moyen de la prevoyance professionnelle (2e pilier) qui prevoit qu'un assure peut utiliser son avoir de libre passage pour acquerir son logement. Les fonds peuvent etre obtenus par versement anticipe du capital ou par mise en gage de l'avoir de libre passage. Il faut aussi imperativement qu'il s'agisse du logement principal à l'exclusion d'une residence secondaire.


Le pret immobilier (dit hypothecaire)
C'est un pret accorde par une banque ou une assurance et garanti par un bien immobilier.


Il y a deux modes de prets :
Avec amortissement direct : le capital est rembourse regulierement et la part des interets dans le remboursement diminuent à chaque paiement ;


Avec amortissement indirect : le beneficiaire du pret conclut une assurance-vie. Il paiera regulierement ses primes d'assurance vie mais ne remboursera pas d'amortissement du capital du a la banque preteuse. A l'echeance de l'assurance, le capital est verse comme amortissement unique de la dette hypothecaire. Cette derniere reste donc constante pendant toute la duree du credit.


Les frais d'acquisition
A l'occasion de la conclusion de la promesse de vente et d'achat, l'acheteur versera le plus souvent au vendeur un acompte representant environ 10% de la valeur du bien immobilier.
Les frais se montent dans la majorite des cas à environ 4 % du prix du bien comprenant 3% d'impôts, 0.3% de frais d'enregistrement au Registre Foncier et 0.7% de frais de notaire.


Il est recommande de se faire conseiller pour l'achat d'un bien immobilier. Vous pouvez contacter : super-credit.ch


Le financement de l’achat d’un logement en Suisse

If you are feeling bored, listless, and out of condition, you will need a new past time. Sports Activities will get your blood pumping and help you get back into condition. Not only will you be getting great physical exercise but you will be starting a very important family past time. Athletics are a great way to hang out with your children. So get up from the sofa, put down that soda pop, and get in the backyard for a little touch football.

When touch football just isn't for you, you will want to play a little kickball with your children. Set up a diamond similar to a baseball diamond. Now the pitcher rolls a large soft ball, like a playground ball, on the ground to the "batter." Only in kickball, the hitter kicks the ball and runs to first base. Since the ball is soft, the fielding team can throw the ball at the runner to get him or her out. Considering that the kicker will typically have the ability to kick the ball and foul balls are rare, this is a traditional game to enjoy with young kids and other folks who are not very athletic.

A fun family game that makes a great past time sports exercise is tetherball. This rousing game can be played with one or two individuals. Tetherball is called that because the ball is on a tether - it's on a rope attached at the top of a pole. The ball hangs about hand level. The thing is to hit the ball and help make the rope wrap around the pole. Both participants try to make the ball move different directions. If you have never enjoyed tetherball, you need to give it a try. It is really fun! Also it actually will get you moving (and laughing!)

Sand volley ball could have began on the shorelines, but many towns are now putting in sand volley ball courts within their community recreational areas. The littler youngsters may take a seat in a safe place and enjoy their sand toys while Mom, Dad, and the older kids strike a beach ball or volley ball back and forth over a net. The sand feels good on bare feet (but not so great inside your shoes!) The youngsters will love this past time.

A mix of volleyball and tennis that many family members enjoy is badminton. In this game, the goal is to use light-weight rackets to volley a "birdie" back and forth over a net. The actual birdie appears like a little plastic-type funnel attach.
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MessaggioInviato: Sab Dic 01, 2018 9:00 am    Oggetto: Adv



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