AIUI this is not terribly abnormal.
There are authorisations (sometimes reffered to as "pending charges" or "holds") and actual charges. An authorisation reserves money but doesn't actually take it.
Normally what happens when you pay by card is that the merchant gets an authorisation immediately. Then some time later the authorisation is converted into an ...
3 month euribor is .201% today. So, 8.7% for Finland Mastercard. Card issuers' rates vary, and I've seen rates in the US from 8 or 9% right up to 24%, similar to the range you show.
If you plan to pay in full each month, I'd take the longer grace period regardless of rate. I can honestly say I don't know the rate on my card. I pay in full every month, ...
It depends on what type of organization they are. Non-profit organizations in the US are required to disclose the top 5 salary earners each year in order to maintain their non-profit status.
There are a few sites that can provide this information, but some require a subscription. Alternatively, you can contact the organizations directly and request their ...
If you only need to buy stuff online you could consider using paypal perhaps?
If you really need an bank account, you could also look at an offshore bank account, HSBC has accounts in multiple currencies, but you will need to be eligible (have a ton of money and provide some documentation).
There are many factors that need to be taken into account.
I will now cover taxation, the coverage provided by the insurances and where you can use those services.
Taxation benefits of insurances in Norway
I found the following piece of information about Travelling Insurance in Skatt.no where I am a member in Norway:
Har arbeidsgiver fradragsrett for ...
Surely the yield should be Yield = (Rent - Costs) / Downpayment ?
As you want the yield relative to your capital not to the property value.
As for the opportunity cost part you could look at the risk free rate of return you could obtain, either through government bonds or bank accounts with some sort of government guarantee (not sure what practical terms ...
UKForex accepted Finland as the place of residency.
Some data about the spread costs at different amounts of selling Norwegian Krones so the constants a and b are euro-values:
// 50000 NOK
>>> a = 6665.35
>>> b = 6787.60
>>> ave = (a+b)/2
>>> diff = b-a
>>> diff / ave
// 5000 NOK
Your only other option is to use an online FX broker. Whether they can beat your bank's spread or not will depend on the amount of the transaction and the currency pair involved. You're fine with EUR but NOK is a less frequently traded currency so spreads are never going to be as tight as e.g. USD/EUR.
See my answer here about FX brokers; xe.com would be a ...
The location that you are purchasing from is not really relevant. If you use either a Visa or MasterCard to make a payment in a foreign currency of any kind then your payment will automatically use Visa/MasterCard's FX platform. Whilst fees can vary between issuers, the fee is generally fixed at 2.5%.
There are occasionally credit card issuers who have ...
I went to ask questions in the insurance company store If in Estonia.
They provide only Medical Aid as Travelling insurance.
Medical insurance as "Travelling insurance" in Estonia - not insurance for property
in the Nordic countries, only once 60 days, price 36.64 e
in the Europe, one year, max 45 at once, so many times as wanted, price 57.51 e
European legislation and coming changes 2012-2014
There will be an European law in action which says that the price between different insurances cannot vary between two sexes.
This change affects prices in Finland and Estonia, but not in Norway that is not part of EU.
Some facts 19.12.2012
The Health insurance is cheaper for men than women.
The Accident ...
Seems like a bad deal to me. But before I get to that, a couple of points on your expenses:
Insurance: 100 euro/year? That seems WAY low.You really need to research this. Of course if varies from place to place, but here in the US it would be at least 10x that.
Are there real estate property taxes to account for?
You value a property by calculating ...
Lucky you - here where I live that does not work, you put money on the table year 1. Anyhow...
You HAVE to account for inflation. THat is where the gain comes from. Not investment increase (value of item), but the rent goes higher, while your mortgage does not (you dont own more moeny in 3 years if you keep paying, but likely you take more rent). Over 5 or ...
"but the flat would be occupied all the time." Famous last words. Are you prepared to have a tenant move in, and stop paying rent? In the US, it can take 6 months to get a tenant out of the apartment and little chance of collecting back rent. I don't know how your laws work, but here, they do not favor the landlord.
The tiny sub 1% profit you make while ...