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RSS Feeds :: IESAF Ry - Forums > Content The International English Speakers' Association of Finland ry. http://iesaf.fi/sauna en-gb Tue, 21 Sep 2004 01:14:15 +0300 Thu, 09 Sep 2010 15:07:29 +0300 http://blogs.law.harvard.edu/tech/rss MSSTI v0.0.1 - (C) 2008 leviatan21 - http://www.mssti.com/ Copyright : (c) RSS Feeds :: IESAF Ry - Tue, 21 Sep 2004 01:14:15 +0300 iesaf@iesaf.fi (IESAF Ry) RSS Feeds :: IESAF Ry - Forums > Content http://iesaf.fi/sauna/styles/subsilver2/imageset/iesaf_funk303.gif http://iesaf.fi/sauna 60 Finnish-English dictionary for PalmOS & PocketPC http://iesaf.fi/sauna/./viewtopic.php?p=32784#p32784 Statistics : Posted by Rob • on Wed 15 Jun, 2005 1:34 pm • Replies 16 • Views 7811

]]> 2009-03-11T07:37:22+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=32784#p32784 Open vacancies at the Työministeriö on the internet http://iesaf.fi/sauna/./viewtopic.php?p=19899#p19899 ;) For the open vacancies in Finnish, click on the link [url=http://www.mol.fi/paikat/:157dnbaf][b:157dnbaf][u:157dnbaf]Vacancies (In Finnish)[/u:157dnbaf][/b:157dnbaf][/url:157dnbaf] For Swedish, click on [url=http://www.mol.fi/platser/:157dnbaf][u:157dnbaf][b:157dnbaf]Lediga jobb[/u:157dnbaf][/b:157dnbaf][/url:157dnbaf]. You can search by proffession/job field (Ammattiala / Tarkennus / ammattialat) and locale ( Kunta: community/town/city // Maakunta: county // Ulkomaat: foriegn) If you're from an EU country, sign up at your nearest Työministerö to register as unemployed and looking for work. You can get a number of benefits, such excessive travel (jobs further than 40 km away) paid for, or if you feel not speaking Finnish is a handicap to job hunting, then they are obligued to get you on a language course (You will still receive any other benefits you are normally entitled to, even though you are technically no longer available for work, but not classed as a student.)

Statistics : Posted by Rob • on Sat 10 Jun, 2006 9:48 pm • Replies 0 • Views 2640

]]> ;) For the open vacancies in Finnish, click on the link [url=http://www.mol.fi/paikat/:157dnbaf][b:157dnbaf][u:157dnbaf]Vacancies (In Finnish)[/u:157dnbaf][/b:157dnbaf][/url:157dnbaf] For Swedish, click on [url=http://www.mol.fi/platser/:157dnbaf][u:157dnbaf][b:157dnbaf]Lediga jobb[/u:157dnbaf][/b:157dnbaf][/url:157dnbaf]. You can search by proffession/job field (Ammattiala / Tarkennus / ammattialat) and locale ( Kunta: community/town/city // Maakunta: county // Ulkomaat: foriegn) If you're from an EU country, sign up at your nearest Työministerö to register as unemployed and looking for work. You can get a number of benefits, such excessive travel (jobs further than 40 km away) paid for, or if you feel not speaking Finnish is a handicap to job hunting, then they are obligued to get you on a language course (You will still receive any other benefits you are normally entitled to, even though you are technically no longer available for work, but not classed as a student.)]]> 2006-06-10T22:48:39+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=19899#p19899 How to sponsor Finnish spouse for U.S. immigration http://iesaf.fi/sauna/./viewtopic.php?p=15451#p15451 HelsinkiNIV@state.gov For questions about Immigration, please write: HelsinkiIV@state.gov (Keep in mind that, although Helsinki’s American embassy protocol changes from time to time, at the moment they will not accept any forms or payment by postal mail or bank transfer (except the Statement of Readiness for the interview)- everything must be done in person at the embassy.) 1. The first packet contains: A. form I-130, Petition for Alien Relative, which is a form to be filled out by you, the U.S. citizen spouse (USC) to apply for permission to sponsor your Finnish spouse. “Petition” is just a fancy word for application form. B. 2 biographic information forms- you have to fill out one for BOTH you and your Finnish spouse. C. An I-864 Affidavit of Support form, which is a promise that you will support your Finnish spouse financially if s/he is unable to find work in the U.S. In order to qualify to be a sponsor, you must be able to prove that you earn at or above a certain standard salary level based on the number of people in your household (http://uscis.gov/graphics/formsfee/form ... I-864p.pdf ). **Your Finnish spouse’s employment in Finland can NOT be used to calculate your household income- this is a common misunderstanding**. If you, the USC, do not earn enough yourself, you will need a co-sponsor, who can be a relative or a close friend of the family (in the U.S.). You can have as many co-sponsors as you want, but each co-sponsor must fill out a separate I-864 form. (Don’t be intimidated by the length of this form- it’s mostly instructions!). Sign the form in the presence of a notary public- the embassy will provide the notary service for free. 2. Call and make an appointment to submit those forms, along with the sponsorship fee, and passport photos as described in the instructions. Then you’ll receive a second packet containing A. instructions for scheduling a medical examination B. a list of original or certified copies of documents needed Tips: 1. Get your Finnish spouse’s birth certificate “virkatodistus” from the local maistraatti and BE SURE to ask the clerk to include the names of both parents in the document- my experience was that they won’t do it unless you ask! 2. You can download an order form to get a copy of your Finnish spouse’s police record http://www.oikeus.fi/oikeusrekisterikes ... qnxgmn.pdf Send the form by snail mail, and they will return the report with a bill; no need to pay in advance. C. a form DS-230 part I- application for alien registration D. guidelines for photos E. Statement of Readiness for Applicant Interview You must wait until after you get the results of the medical examination (which takes about 1 week to process) before requesting the interview, or at least wait until you know the date of the medical before requesting the interview; the latter is a good option if you don’t live in or near Helsinki. 3. Send the Statement of Readiness for Applicant Interview along with the DS-230 part I and you’ll receive a letter with the date of the interview and form DS-230 part II. On form DS-230 part II you must answer “no” to all of the questions concerning security and purpose for moving to the U.S. You even answer “no” to the question “Are you moving to the USA for the purpose of working in skilled or unskilled labor without having obtained permission from the Department of Labor” because your Finnish spouse’s PURPOSE for applying for the visa is family connections, NOT employment in the U.S. *** You can fill out the DS-230 part II before the interview, but DO NOT sign it until you have the interview. The interview usually lasts only a few minutes and the questions are easy and open-ended, such as “why do you want to live in the U.S.”, “how did you and your spouse meet”, etc. As the USC spouse/sponsor you are not required to attend the interview, and apparently in the case of the Helsinki embassy, you are not even allowed to enter the building unless you arrange well in advance to get your name on the list of appointments along with your Finnish spouse. This happened to me and was a complete surprise. I showed up at the embassy with my husband because I wanted to attend the interview, only to find out that I wasn’t on the list, and only my husband was allowed inside even though I showed the security personnel my U.S. passport. After the interview, the applicant leaves his/her passport at the embassy so they can put the visa sticker in it. Usually you have to go back in a few hours to pick up the passport/visa, and at that time they also give you a brown envelope that MUST remain sealed until you get to the port of entry in the USA. I’d like to assure everyone that the process really is easy- it’s just a lot of forms with the same information repeated. The key is to keep organized and ask to clarify anything you’re unsure about. Here’s a very good forum for American-foreign couples going through the immigration process to the U.S.- www.visajourney.com Good luck! Caroline Liebenow

Statistics : Posted by Caroline • on Wed 18 Jan, 2006 11:31 pm • Replies 0 • Views 3908

]]> HelsinkiNIV@state.gov For questions about Immigration, please write: HelsinkiIV@state.gov (Keep in mind that, although Helsinki’s American embassy protocol changes from time to time, at the moment they will not accept any forms or payment by postal mail or bank transfer (except the Statement of Readiness for the interview)- everything must be done in person at the embassy.) 1. The first packet contains: A. form I-130, Petition for Alien Relative, which is a form to be filled out by you, the U.S. citizen spouse (USC) to apply for permission to sponsor your Finnish spouse. “Petition” is just a fancy word for application form. B. 2 biographic information forms- you have to fill out one for BOTH you and your Finnish spouse. C. An I-864 Affidavit of Support form, which is a promise that you will support your Finnish spouse financially if s/he is unable to find work in the U.S. In order to qualify to be a sponsor, you must be able to prove that you earn at or above a certain standard salary level based on the number of people in your household (http://uscis.gov/graphics/formsfee/form ... I-864p.pdf ). **Your Finnish spouse’s employment in Finland can NOT be used to calculate your household income- this is a common misunderstanding**. If you, the USC, do not earn enough yourself, you will need a co-sponsor, who can be a relative or a close friend of the family (in the U.S.). You can have as many co-sponsors as you want, but each co-sponsor must fill out a separate I-864 form. (Don’t be intimidated by the length of this form- it’s mostly instructions!). Sign the form in the presence of a notary public- the embassy will provide the notary service for free. 2. Call and make an appointment to submit those forms, along with the sponsorship fee, and passport photos as described in the instructions. Then you’ll receive a second packet containing A. instructions for scheduling a medical examination B. a list of original or certified copies of documents needed Tips: 1. Get your Finnish spouse’s birth certificate “virkatodistus” from the local maistraatti and BE SURE to ask the clerk to include the names of both parents in the document- my experience was that they won’t do it unless you ask! 2. You can download an order form to get a copy of your Finnish spouse’s police record http://www.oikeus.fi/oikeusrekisterikes ... qnxgmn.pdf Send the form by snail mail, and they will return the report with a bill; no need to pay in advance. C. a form DS-230 part I- application for alien registration D. guidelines for photos E. Statement of Readiness for Applicant Interview You must wait until after you get the results of the medical examination (which takes about 1 week to process) before requesting the interview, or at least wait until you know the date of the medical before requesting the interview; the latter is a good option if you don’t live in or near Helsinki. 3. Send the Statement of Readiness for Applicant Interview along with the DS-230 part I and you’ll receive a letter with the date of the interview and form DS-230 part II. On form DS-230 part II you must answer “no” to all of the questions concerning security and purpose for moving to the U.S. You even answer “no” to the question “Are you moving to the USA for the purpose of working in skilled or unskilled labor without having obtained permission from the Department of Labor” because your Finnish spouse’s PURPOSE for applying for the visa is family connections, NOT employment in the U.S. *** You can fill out the DS-230 part II before the interview, but DO NOT sign it until you have the interview. The interview usually lasts only a few minutes and the questions are easy and open-ended, such as “why do you want to live in the U.S.”, “how did you and your spouse meet”, etc. As the USC spouse/sponsor you are not required to attend the interview, and apparently in the case of the Helsinki embassy, you are not even allowed to enter the building unless you arrange well in advance to get your name on the list of appointments along with your Finnish spouse. This happened to me and was a complete surprise. I showed up at the embassy with my husband because I wanted to attend the interview, only to find out that I wasn’t on the list, and only my husband was allowed inside even though I showed the security personnel my U.S. passport. After the interview, the applicant leaves his/her passport at the embassy so they can put the visa sticker in it. Usually you have to go back in a few hours to pick up the passport/visa, and at that time they also give you a brown envelope that MUST remain sealed until you get to the port of entry in the USA. I’d like to assure everyone that the process really is easy- it’s just a lot of forms with the same information repeated. The key is to keep organized and ask to clarify anything you’re unsure about. Here’s a very good forum for American-foreign couples going through the immigration process to the U.S.- www.visajourney.com Good luck! Caroline Liebenow]]> 2006-01-18T23:31:47+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=15451#p15451 http://iesaf.fi/sauna/./viewtopic.php?p=11085#p11085 :oops: :oops: :oops: Dont assume check... :oops: :oops: http://www.cia.gov/cia/publications/fac ... llery.html [b:1zj3rhpp]1986[/b:1zj3rhpp] [img:1zj3rhpp]http://www.cia.gov/cia/publications/factbook/covers/thumbnails/86-front.jpg[/img:1zj3rhpp]

Statistics : Posted by PeterF • on Tue 20 Sep, 2005 10:38 am • Replies 4 • Views 3463

]]> :oops: :oops: :oops: Dont assume check... :oops: :oops: http://www.cia.gov/cia/publications/fac ... llery.html [b:1zj3rhpp]1986[/b:1zj3rhpp] [img:1zj3rhpp]http://www.cia.gov/cia/publications/factbook/covers/thumbnails/86-front.jpg[/img:1zj3rhpp]]]> 2005-09-20T16:03:21+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=11085#p11085 TEFL in Finland http://iesaf.fi/sauna/./viewtopic.php?p=10289#p10289 Statistics : Posted by Kemars • on Mon 22 Aug, 2005 2:15 pm • Replies 0 • Views 3084

]]> 2005-08-22T15:15:17+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=10289#p10289 Links - Travel Agencies http://iesaf.fi/sauna/./viewtopic.php?p=4276#p4276 http://www.ebookers.fi http://www.ebookers.com Expedia Travel http://www.expedia.com/ Finn-Guild Travel http://www.finn-guild.org/ Kohde Matkat Kaleva http://www.kohdematkat.fi/ Mr Travel http://www.mrtravel.net/ [size=75:n31i3xyc]Copyright IESAF ry 2003 - 2005 [/size:n31i3xyc]

Statistics : Posted by BAT • on Thu 17 Mar, 2005 4:13 pm • Replies 0 • Views 2723

]]> http://www.ebookers.fi http://www.ebookers.com Expedia Travel http://www.expedia.com/ Finn-Guild Travel http://www.finn-guild.org/ Kohde Matkat Kaleva http://www.kohdematkat.fi/ Mr Travel http://www.mrtravel.net/ [size=75:n31i3xyc]Copyright IESAF ry 2003 - 2005 [/size:n31i3xyc]]]> 2005-03-17T16:13:23+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=4276#p4276 Links - Pension and Tax info for Expats http://iesaf.fi/sauna/./viewtopic.php?p=3601#p3601 http://www.thepensionservice.gov.uk/ato ... erseas.asp Tax info for non-residents of the UK - Inland Revenue http://www.inlandrevenue.gov.uk/nonresidents/ [b:1tpzkg9m]United States[/b:1tpzkg9m] Taxes - Internal Revenue Service http://www.irs.gov US Expatriate Handbook http://www.us-expatriate-handbook.com [b:1tpzkg9m]Canada[/b:1tpzkg9m] Tax info for non-residents of Canada - Canada Revenue Agency http://www.cra-arc.gc.ca/tax/nonresidents/menu-e.html Pension info for Canada - Social Development Canada http://www.sdc.gc.ca/en/isp/cpp/cpptoc.shtml [b:1tpzkg9m]Netherlands[/b:1tpzkg9m] (Kiitos Tapani!) Tax Office - Belastingdienst http://www.belastingdienst.nl/ For old age state pesion - Sociale Verzekeringsbank http://www.svb.nl/nl/index.jsp Pensions for former civil servants - ABP.nl http://www.abp.nl Links last checked - 24.01.05 [size=75:1tpzkg9m]Copyright 2003 - 2005 IESAF ry[/size:1tpzkg9m]

Statistics : Posted by BAT • on Mon 24 Jan, 2005 2:33 pm • Replies 0 • Views 3226

]]> http://www.thepensionservice.gov.uk/ato ... erseas.asp Tax info for non-residents of the UK - Inland Revenue http://www.inlandrevenue.gov.uk/nonresidents/ [b:1tpzkg9m]United States[/b:1tpzkg9m] Taxes - Internal Revenue Service http://www.irs.gov US Expatriate Handbook http://www.us-expatriate-handbook.com [b:1tpzkg9m]Canada[/b:1tpzkg9m] Tax info for non-residents of Canada - Canada Revenue Agency http://www.cra-arc.gc.ca/tax/nonresidents/menu-e.html Pension info for Canada - Social Development Canada http://www.sdc.gc.ca/en/isp/cpp/cpptoc.shtml [b:1tpzkg9m]Netherlands[/b:1tpzkg9m] (Kiitos Tapani!) Tax Office - Belastingdienst http://www.belastingdienst.nl/ For old age state pesion - Sociale Verzekeringsbank http://www.svb.nl/nl/index.jsp Pensions for former civil servants - ABP.nl http://www.abp.nl Links last checked - 24.01.05 [size=75:1tpzkg9m]Copyright 2003 - 2005 IESAF ry[/size:1tpzkg9m]]]> 2005-01-24T14:33:19+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=3601#p3601 Links - Shipping belongings to/from Finland http://iesaf.fi/sauna/./viewtopic.php?p=3440#p3440 http://www.hel.fi/port/english/tavarali ... arustamot/ The Port of Helsinki - Cargo Traffic - Forward and Transport http://www.hel.fi/port/english/tavarali ... index.html Links list last checked 10.01.05 [size=75:39cyxr8y]Copyright 2003 - 2005 IESAF ry [/size:39cyxr8y]

Statistics : Posted by BAT • on Mon 10 Jan, 2005 5:19 pm • Replies 0 • Views 2646

]]> http://www.hel.fi/port/english/tavarali ... arustamot/ The Port of Helsinki - Cargo Traffic - Forward and Transport http://www.hel.fi/port/english/tavarali ... index.html Links list last checked 10.01.05 [size=75:39cyxr8y]Copyright 2003 - 2005 IESAF ry [/size:39cyxr8y]]]> 2005-01-10T17:19:11+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=3440#p3440 http://iesaf.fi/sauna/./viewtopic.php?p=1393#p1393 :lol: I will finish the company list soon, honest! Tony

Statistics : Posted by tjawatts • on Tue 02 Nov, 2004 8:17 pm • Replies 1 • Views 2996

]]> :lol: I will finish the company list soon, honest! Tony]]> 2004-11-02T21:14:17+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=1393#p1393 Reminder http://iesaf.fi/sauna/./viewtopic.php?p=1392#p1392 Statistics : Posted by BAT • on Tue 02 Nov, 2004 9:06 pm • Replies 0 • Views 2615

]]> 2004-11-02T21:06:14+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=1392#p1392 Word List - Computer Hardware Terms http://iesaf.fi/sauna/./viewtopic.php?p=1376#p1376 Statistics : Posted by BAT • on Tue 02 Nov, 2004 4:02 pm • Replies 0 • Views 2884

]]> 2004-11-02T16:02:09+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=1376#p1376 Cycling in Finland http://iesaf.fi/sauna/./viewtopic.php?p=1281#p1281 http://www.liikenneturva.fi/englanti/py ... teessa.pdf For a study of Finnish cycling accidents (so you can try and avoid doing the same) see: http://www.bikexprt.com/research/pasanen/helsinki.htm [b:2vyhut94]Cycling for pleasure[/b:2vyhut94] Get out of the city. It’s great out there. Stay off the main roads and you will hardly see any traffic. There are maps available especially for cyclists showing recommended routes, the road surface and useful ‘tourist info’. One unusual danger - out in the rural west of Espoo, I was going fast around a corner and had to slam on the brakes to avoid hitting a moose standing about ten metres ahead of me. I’m not sure who was the more surprised, me or the moose. For leisure riding, I ride a racing bike and have found it wonderful on the numerous smooth and near deserted country lanes of Helsinki’s hinterland. It allows me to cover greater distances faster than a mountain bike or hybrid. In more remote areas of the country where only the major roads tend to be surfaced, the skinny tyres of a racing bike might be less suitable. For those living in central Helsinki to avoid the rather tedious haul out through the suburbs, a top tip is to take the metro to its eastern endpoint. This allows you to be out in the countryside to the east of Helsinki and well on your way to, for example, Porvoo rather than getting lost maze of cycle paths in the suburbs. Bikes are allowed on the metro free of charge outside of rush hours. The local trains can also be used to get out west, but you will need to buy a ticket. For a longer day’s ride consider taking your bike on the train to another city and riding back. The ride to Helsinki from Lahti is particularly nice if you stay on the country roads to the east of the main motorway. In a country with so many wilderness areas and un-surfaced logging roads, the opportunities for mountain biking are just huge except for long downhills. [b:2vyhut94]Cycling in the Finnish Winter[/b:2vyhut94] This at first may sound immensely stupid, but is actually rather rewarding. This winter I did my 30 km round-trip commute maybe three times a week and enjoyed it greatly. You will see Finns cycling about the city on any old bike and in all sorts of inappropriate clothing in the depths of January, but the following tips are designed more for the keen cyclist who intends on using their bike for more than a few hundred metres from home to local shop. Tyres: Get studded tyres (nastarenkaat). Broken bones await those who are too cheap to attempt anything above walking speed without them. With them you will find that even the seemingly impossible like cornering at speed on sheet ice becomes possible. Make sure you select tyres where there are studs that will grip as you corner (i.e. angled), not just whilst you go in straight line! Whilst you can expect to pay considerably more than normal tyres, I got mine from Biltemma (link?) where they cost approximate €20 – 25 each, less than specialist bike shops tend to sell them for. Bike: A mountain bike is probably best. Mine is an old model without suspension, I’m not sure how suspension would work at –15. Being able to keep your bike inside is a distinct advantage, as riding home in the early evening often results in the bike picking up damp slush which will then freeze overnight if the bike is kept in an unheated environment. The outcome is the gears refusing to work the next morning – this results in farcical scenes for pedestrians as they walk by an idiot cyclist kneeling in the snow attempting to unfreeze his rear derailleur by blowing on it. Special lubricants for low temperatures are available for the chain and gears, but my experience is that it isn’t the lubes that freeze but rather slush and damp snow picked up when riding. Although you don’t need to ride on roads much in Finland, still make sure you’ve got lights and reflectors. Modern LED lights are light, bright and cheap (check the big supermarkets, Biltemma or Tarjoustalo for dirt cheap ones). There is no real excuse not to be lit up like a Christmas tree on those dark mornings and – yes, this being Finland in winter – mid-afternoons! Clothing. Less is needed than one might expect if you are riding at a good pace. Footwear: I replaced the SPD pedals on my bike with old style pedals with toe-straps allowing me to wear leather sneakers which work fine. As long as they are loose fitting, windproof and water-resistant you are still likely to have all ten toes attached when arriving at the office. On the legs I’ve found a pair of bib cycling shorts with a pair of full length bib cycling trousers over them, topped off with nylon windproof (but not waterproof, so no frozen sweat problems) trousers do the job fine down to –15, which is reasonably cold by Helsinki standards. If it is even colder I add one more layer. Again only the coldest days, I also wear a short pair of gaiters known to mountaineers as “Stop-Tous” to cover the gap between the bottom of my trousers and the top of my shoes. If necessary improvise (still got those early 80’s “Fame” leg warmers from when Leroy was your idol?) or accept that chilly ankles aren’t the end of the world. On the top I wear a polypro ‘base’ layer and a fleece cycling jacket that has windproof material on the front and sleeves. For me, cycling at reasonable pace, this keeps me perfectly warm even at temps below –15. A fleece ‘neck-tube’ works better than a flappy scarf and can be pulled up over your nose and mouth when its really cold or you are going downhill fast. I don’t wear a hat under my helmet as I get too hot, but you do need a fleece headband to avoid frost-bitten ears. For most days a pair of loose fitting windproof fleece gloves keeps my hands perfectly warm, but on the coldest days I have used a pair of Goretex gauntlets over them. This is fine if you have Grip-Shift gear shifters but could be amusing if you have the Shimano-style. Overall, think windproof rather than waterproof – there isn’t that much moisture around in the Finnish winter: wear a Goretex jacket, cycle for more than a few minutes at a decent speed, and all but the least sweaty of folk will find a build up of ice inside their jacket (same tip goes for any aspirant cross-country skiers). So after all that, why bother? Empty cycle paths; watching the sun rise over the church spires of Helsinki as you head into work; the crunch of the snow under your tyres; really noticing the on-rush of light in the spring as everyday there is a bit more daylight; watching the birds and squirrels in the woods that many of the city’s cycle path pass through; and best of all, the moral superiority – to both your Finnish colleagues and your friends ‘back home’ where ever that may be – that only cycling at –15oC on dark January mornings can bring. See you out there. Prepared by: Toby [size=75:2vyhut94]Copyright 2003 - 2005 IESAF ry[/size:2vyhut94]

Statistics : Posted by BAT • on Mon 01 Nov, 2004 7:13 pm • Replies 0 • Views 3214

]]> http://www.liikenneturva.fi/englanti/py ... teessa.pdf For a study of Finnish cycling accidents (so you can try and avoid doing the same) see: http://www.bikexprt.com/research/pasanen/helsinki.htm [b:2vyhut94]Cycling for pleasure[/b:2vyhut94] Get out of the city. It’s great out there. Stay off the main roads and you will hardly see any traffic. There are maps available especially for cyclists showing recommended routes, the road surface and useful ‘tourist info’. One unusual danger - out in the rural west of Espoo, I was going fast around a corner and had to slam on the brakes to avoid hitting a moose standing about ten metres ahead of me. I’m not sure who was the more surprised, me or the moose. For leisure riding, I ride a racing bike and have found it wonderful on the numerous smooth and near deserted country lanes of Helsinki’s hinterland. It allows me to cover greater distances faster than a mountain bike or hybrid. In more remote areas of the country where only the major roads tend to be surfaced, the skinny tyres of a racing bike might be less suitable. For those living in central Helsinki to avoid the rather tedious haul out through the suburbs, a top tip is to take the metro to its eastern endpoint. This allows you to be out in the countryside to the east of Helsinki and well on your way to, for example, Porvoo rather than getting lost maze of cycle paths in the suburbs. Bikes are allowed on the metro free of charge outside of rush hours. The local trains can also be used to get out west, but you will need to buy a ticket. For a longer day’s ride consider taking your bike on the train to another city and riding back. The ride to Helsinki from Lahti is particularly nice if you stay on the country roads to the east of the main motorway. In a country with so many wilderness areas and un-surfaced logging roads, the opportunities for mountain biking are just huge except for long downhills. [b:2vyhut94]Cycling in the Finnish Winter[/b:2vyhut94] This at first may sound immensely stupid, but is actually rather rewarding. This winter I did my 30 km round-trip commute maybe three times a week and enjoyed it greatly. You will see Finns cycling about the city on any old bike and in all sorts of inappropriate clothing in the depths of January, but the following tips are designed more for the keen cyclist who intends on using their bike for more than a few hundred metres from home to local shop. Tyres: Get studded tyres (nastarenkaat). Broken bones await those who are too cheap to attempt anything above walking speed without them. With them you will find that even the seemingly impossible like cornering at speed on sheet ice becomes possible. Make sure you select tyres where there are studs that will grip as you corner (i.e. angled), not just whilst you go in straight line! Whilst you can expect to pay considerably more than normal tyres, I got mine from Biltemma (link?) where they cost approximate €20 – 25 each, less than specialist bike shops tend to sell them for. Bike: A mountain bike is probably best. Mine is an old model without suspension, I’m not sure how suspension would work at –15. Being able to keep your bike inside is a distinct advantage, as riding home in the early evening often results in the bike picking up damp slush which will then freeze overnight if the bike is kept in an unheated environment. The outcome is the gears refusing to work the next morning – this results in farcical scenes for pedestrians as they walk by an idiot cyclist kneeling in the snow attempting to unfreeze his rear derailleur by blowing on it. Special lubricants for low temperatures are available for the chain and gears, but my experience is that it isn’t the lubes that freeze but rather slush and damp snow picked up when riding. Although you don’t need to ride on roads much in Finland, still make sure you’ve got lights and reflectors. Modern LED lights are light, bright and cheap (check the big supermarkets, Biltemma or Tarjoustalo for dirt cheap ones). There is no real excuse not to be lit up like a Christmas tree on those dark mornings and – yes, this being Finland in winter – mid-afternoons! Clothing. Less is needed than one might expect if you are riding at a good pace. Footwear: I replaced the SPD pedals on my bike with old style pedals with toe-straps allowing me to wear leather sneakers which work fine. As long as they are loose fitting, windproof and water-resistant you are still likely to have all ten toes attached when arriving at the office. On the legs I’ve found a pair of bib cycling shorts with a pair of full length bib cycling trousers over them, topped off with nylon windproof (but not waterproof, so no frozen sweat problems) trousers do the job fine down to –15, which is reasonably cold by Helsinki standards. If it is even colder I add one more layer. Again only the coldest days, I also wear a short pair of gaiters known to mountaineers as “Stop-Tous” to cover the gap between the bottom of my trousers and the top of my shoes. If necessary improvise (still got those early 80’s “Fame” leg warmers from when Leroy was your idol?) or accept that chilly ankles aren’t the end of the world. On the top I wear a polypro ‘base’ layer and a fleece cycling jacket that has windproof material on the front and sleeves. For me, cycling at reasonable pace, this keeps me perfectly warm even at temps below –15. A fleece ‘neck-tube’ works better than a flappy scarf and can be pulled up over your nose and mouth when its really cold or you are going downhill fast. I don’t wear a hat under my helmet as I get too hot, but you do need a fleece headband to avoid frost-bitten ears. For most days a pair of loose fitting windproof fleece gloves keeps my hands perfectly warm, but on the coldest days I have used a pair of Goretex gauntlets over them. This is fine if you have Grip-Shift gear shifters but could be amusing if you have the Shimano-style. Overall, think windproof rather than waterproof – there isn’t that much moisture around in the Finnish winter: wear a Goretex jacket, cycle for more than a few minutes at a decent speed, and all but the least sweaty of folk will find a build up of ice inside their jacket (same tip goes for any aspirant cross-country skiers). So after all that, why bother? Empty cycle paths; watching the sun rise over the church spires of Helsinki as you head into work; the crunch of the snow under your tyres; really noticing the on-rush of light in the spring as everyday there is a bit more daylight; watching the birds and squirrels in the woods that many of the city’s cycle path pass through; and best of all, the moral superiority – to both your Finnish colleagues and your friends ‘back home’ where ever that may be – that only cycling at –15oC on dark January mornings can bring. See you out there. Prepared by: Toby [size=75:2vyhut94]Copyright 2003 - 2005 IESAF ry[/size:2vyhut94]]]> 2004-11-01T19:13:01+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=1281#p1281 Word List & Guide - Real Estate Terms http://iesaf.fi/sauna/./viewtopic.php?p=1279#p1279 http://www.oikotie.fi "Julkaistu oikotiellä" is the date on which the piece of real estate was entered into oikotie - if it's been a while, there's a reason and it's time to negotiate the price. The complicated one to explain is [b:heledd1r]Asumis Rahoitusmuoto[/b:heledd1r]. Let’s start with straight translation. "Asumis" means "living" "Rahoitus muoto" means "Method of Financing" Together they refer to the method of financing any structural work, major renovation or paying back loans for such work. One method for "poor people" can be "arava kaupunki"...i.e by subsidy from the state or the town. People who live as tenants in town/state owned apartments only know this method. "[b:heledd1r]Asumis-/rahoitusmuoto[/b:heledd1r]:" [b:heledd1r]Vuokra[/b:heledd1r] = rent = you rent the house/flat. usually the rent may include even your water charges or they might come on top. [b:heledd1r]Omistus[/b:heledd1r] = own = usually what is called "osake" or "stock/share" building. Most of these are flats but any kind of house can be an "asunto-osakeyhtiö" as long as they have been chartered this way. In these cases you don't "buy an apartment t" you "buy shares 1023-1046 entitling you to occupy flat 23 B... [b:heledd1r]Asumisoikeus ASO[/b:heledd1r] = right-of-residence = this is a kind of a new thing (20 odd years) in Finland. Basically you buy a right to pay somewhat high "hoitovastike" (rent). The deposit "asumisoikeusmaksu" is some 15% of the value of the flat. You can never "buy" the apartment for yourself, but if you want to move, you get your money back (+ some small index % on top). [b:heledd1r]Osaomistus[/b:heledd1r] = partial ownership = these come in many disguises. There are "brand names" like "entré-home" etc. and also different means-tested programs when the building has been built with government subsidies. The rules vary from builder to builder, but generally the principle is: The buyer pays 20-30% of the initial price and moves in. Then between 5-12 years they pay rent that gradually coveres the value of the apartment to an extent and after the time you can buy yourself in 100% after which you are "omistus" category. The ownership & liability for loans & expenses that the company has accrued is important to figure out when you are buying a flat because this pay back is added to the "Yhtiövastike euroina:" This is the money paid by owners of apartments for the up keep/maintenance of the building. It will already be added and shown, but where you can come unstuck is if there has been an agreement to do some major renovation next year and the cost/share has been already agreed - you need to know that your Yhtiövastike is going to increase next year and by how much. Estate Agents "sometimes" “forget” to inform about these hidden surprises...First thing to ask when you see the Yhtiövastike is "Is there any Asumis-/rahoitusmuoto payment change or increase agreed for the near future? But most of this information is only relevant to buyers/owners. When you rent the Yhtiövastike and any Asumis-/rahoitusmuoto payment is the responsibility of your landlord. [b:heledd1r]Documents you want to (or dont want to, but must) see:[/b:heledd1r] In Finland one rarely resorts to a solicitor to make a purchase of a flat or real estate. The real estate agents have certain legal status as in LKV so they are authorised to perform sales of real estate for example. A few terms: [b:heledd1r]Kiinteistö[/b:heledd1r] = real estate, or a house on a real estate (not in company form). [b:heledd1r]Varainsiirtovero[/b:heledd1r] = tax on transfer of funds = which the *buyer pays* 4% for real estate, 1,2% for sales of "stock" as in buying a flat. Buyers aged younger than 39 that have not owned "a half of an abode" may petition this to be waived. OK, the documents: [b:heledd1r]Isännöitsijäntodistus[/b:heledd1r] lit. the caretaker's certificate. Every Asunto-Osakeyhtiö has an Isännöitsijä (caretaker) who is hired by the committee of shareholders. He takes care among other things of all the records. Every apartment being sold should have a current "isännöitsijäntodistus" which singles out the apartment, the stock numbers, the size etc. and what is the most important if the flat shares owe any money to the company and if there are any unpaid monthly charges racked up (as the new owner will be liable for these charges.) Also the document will list any big repairs that have been performed (if the magic word putki, sähkö, parveke, ikkuna + remontti appear with recent dates that is good - if they appear with future dates... you think you are getting a cheap deal without any strings attached?) [b:heledd1r]Rasitustodistus[/b:heledd1r] lit. the certificate of burden. This is a legal document one gets from the court that lists all the "burdens" i.e. liabilities of a parcel of land. They may be ranging from the land being mortgaged to quaint regulations such as the neigbours cows being able to come drink from your pond. It also lists if your cows are allowed to go drink in the neighbours pond. (In olden days you bought a farm you might have "syytinki" - the old folk came with the house and you had to feed & clothe them.) Buying an empty or an older split lot the "tierasitus" (road burden) is very important. If there is a road (may be all covered and grown in) going in an old farmhouse yard between the house and barn, it may well be that the next door neighbor has a right to use it to get to his lot. Also if you buy a parcel of land, the road is very important to have. These do not so much apply to "ready-zoned" lots with all the "kunnallistekniikka" (wiring, plumbing mains, water mains) built to the lot sold by counties, but more to private land sales. [b:heledd1r]Lainhuuto[/b:heledd1r] lit. legal yell - Used to be a public announcement to ask if there were any objections. These days not so noisy, it is the process in court when a parcel of land changes ownership in the land records. The papers can be filled and filed by oneself, but correctly, so here usually a estate agent is a very good help for the service. These days foriegners can freely own land so you need not be worried of having to petition a special relief. [b:heledd1r]Kiinnitys/kiinnelaina[/b:heledd1r] lit. attachment. A mortgage on real estate where special "panttikirja" lit. pawn books of the deed are submitted as a guarantee/collateral for a loan. These "books" run numbered so the book 1 has a stronger claim to be paid in full than book 2 & so forth. It is very important to trace and make sure there are any "floating about". These are issued by the court so it shows in the land record in the "rasitustodistus". [i:heledd1r]Common abbreviations[/i:heledd1r]: [b:heledd1r]h, hp. hintapyyntö[/b:heledd1r] = asking price (make an offer we cannot refuse) [b:heledd1r]kt kerrostalo[/b:heledd1r] = block of flats [b:heledd1r]pkt pienkerrostalo[/b:heledd1r]= small block of flats (usually 2 stories, 4-6 flats) [b:heledd1r]pt paritalo[/b:heledd1r]= semi-detached /duplex [b:heledd1r]rt rivitalo[/b:heledd1r]= "row house" terraced house (closest to a townhouse you usually get) [b:heledd1r]mh. myyntihinta[/b:heledd1r], see below. [b:heledd1r]ok, okt omakotitalo[/b:heledd1r] = house (lit. "own home house" -pretty descriptive?) [b:heledd1r]r, rak. rakennettu[/b:heledd1r] = built [b:heledd1r]valm. valmistuu[/b:heledd1r] = will be built (usually on brand/fairly new or future dates) [b:heledd1r]vh. velaton hinta[/b:heledd1r]: see below [b:heledd1r]yl. yhtiölaina, myyntihinnan lisäksi asunto-osakkeiden omistajalle siirtyvä velkarasitus[/b:heledd1r] = company debt - a mortgage/loan that is taken by the housing company and is bound to the flat shares – see below [b:heledd1r]alk alkovi[/b:heledd1r] = alcove [b:heledd1r]at autotalli[/b:heledd1r] = garage [b:heledd1r]h huone[/b:heledd1r] = room [b:heledd1r]k keittiö[/b:heledd1r] = kitchen [b:heledd1r]kk keittokomero[/b:heledd1r] = kitchenette [b:heledd1r]kh, kph kylpyhuone[/b:heledd1r] = bathroom (usually toilet+shower) [b:heledd1r]khh kodinhoitohuone[/b:heledd1r] = utilities room [b:heledd1r]mh makuuhuone[/b:heledd1r] = bedroom [b:heledd1r]oh olohuone[/b:heledd1r] = living room [b:heledd1r]ph pesuhuone[/b:heledd1r] = laundry room [b:heledd1r]s, sa sauna[/b:heledd1r] = sauna – löylyhuone is sometimes used [b:heledd1r]th, tkh takkahuone[/b:heledd1r] = fireplace room (usually adjacent to a sauna) [b:heledd1r]työh työhuone[/b:heledd1r] = study/workspace [b:heledd1r]tk, tupak tupakeittiö[/b:heledd1r] = an open kitchen [b:heledd1r]var varasto[/b:heledd1r] = storage [b:heledd1r]vh vaatehuone[/b:heledd1r] = walk-in closet / wardrobe The explanation about the differences between mh and vh: [b:heledd1r]mh= myyntihinta[/b:heledd1r] = sale price [b:heledd1r]vh=velaton hinta[/b:heledd1r] = debtless price myyntihinta is the price the person selling wants from it into his own bank account velaton hinta is the mh + vh-mh amount of money you will pay to the housing company's account. Example: I have a flat. I want 120 000 for it. I had my balcony repaired so I owe the house 17.126 + change Maintenance is 158/mo, the water is 11/person and the 17 k liability is being paid off at 256/mo to the company. So the sales pitch could be this: Sijainti: Lammaslammentie 13 F , 01710 , Vantaa Kaupunginosa Pähkinärinne Huoneiston kokoonpano: 3h,k,kh, lasitettu parveke Pinta-ala: 65,0 m² Myyntihinta: 120 000,00 € Velaton myyntihinta: 137 126,00 € Asuntotyyppi: kerrostalo Asumis-/rahoitusmuoto: omistus Yhtiövastike: 158 Rahoitusvastike 236 Vesimaksu: 11/henk From the 120 000 you can negotiate, the 17k is a "liability" that comes always on top - you can choose to pay it off when you buy or then you inherit the "rahoitusvastike" Simply put in this case: either you pay the velaton hinta and pay 158 maintenance bill per month or then you pay the myyntihinta and pay 394 maintenance bill per month. You see it a lot on new buildings too - usually as "yhtiölaina". But not necessarily as "osaomistus" mode. You see a lot of these MH 50 000 VH 280 000 flats say in Kartanonkoski or Aurinkolahti. There is a catch though: The "yhtiölaina" is not tax-deductible. It follows the flat and not you as a liability, so it has no tax effect on you, whereas a personal mortgages’ interest is deductible. The next question is what interest is payable on the loan; at the moment 2,9% is possible and the company might have out the loan at 6%... ok, so if the interest rises to 9% there is an issue... but you can still deduct them from taxes. In some cases there is magic words HITAS or ARAVA mentioned. This is something to think about. HITAS means that the house has been built on Helsinki City-owned rented lot and it is price-controlled. So when you sell it you may not ask for more than what the "set price" is, it has to be sold to a "natural person" (as in not to a company) and the city may come in and buy it off at the "set price". ARAVA is usually regarding right-of-residence housing, it is government loans scheme to subsidize social housing. Depending a bit on what kind of subsidies or loans the builders have applied for some newbuilds the prospective buyers may be subject income restrictions. Prepared by: Bret, Hank W. [size=75:heledd1r]Copyright 2003 - 2005 IESAF ry[/size:heledd1r]

Statistics : Posted by BAT • on Mon 01 Nov, 2004 7:05 pm • Replies 0 • Views 5550

]]> http://www.oikotie.fi "Julkaistu oikotiellä" is the date on which the piece of real estate was entered into oikotie - if it's been a while, there's a reason and it's time to negotiate the price. The complicated one to explain is [b:heledd1r]Asumis Rahoitusmuoto[/b:heledd1r]. Let’s start with straight translation. "Asumis" means "living" "Rahoitus muoto" means "Method of Financing" Together they refer to the method of financing any structural work, major renovation or paying back loans for such work. One method for "poor people" can be "arava kaupunki"...i.e by subsidy from the state or the town. People who live as tenants in town/state owned apartments only know this method. "[b:heledd1r]Asumis-/rahoitusmuoto[/b:heledd1r]:" [b:heledd1r]Vuokra[/b:heledd1r] = rent = you rent the house/flat. usually the rent may include even your water charges or they might come on top. [b:heledd1r]Omistus[/b:heledd1r] = own = usually what is called "osake" or "stock/share" building. Most of these are flats but any kind of house can be an "asunto-osakeyhtiö" as long as they have been chartered this way. In these cases you don't "buy an apartment t" you "buy shares 1023-1046 entitling you to occupy flat 23 B... [b:heledd1r]Asumisoikeus ASO[/b:heledd1r] = right-of-residence = this is a kind of a new thing (20 odd years) in Finland. Basically you buy a right to pay somewhat high "hoitovastike" (rent). The deposit "asumisoikeusmaksu" is some 15% of the value of the flat. You can never "buy" the apartment for yourself, but if you want to move, you get your money back (+ some small index % on top). [b:heledd1r]Osaomistus[/b:heledd1r] = partial ownership = these come in many disguises. There are "brand names" like "entré-home" etc. and also different means-tested programs when the building has been built with government subsidies. The rules vary from builder to builder, but generally the principle is: The buyer pays 20-30% of the initial price and moves in. Then between 5-12 years they pay rent that gradually coveres the value of the apartment to an extent and after the time you can buy yourself in 100% after which you are "omistus" category. The ownership & liability for loans & expenses that the company has accrued is important to figure out when you are buying a flat because this pay back is added to the "Yhtiövastike euroina:" This is the money paid by owners of apartments for the up keep/maintenance of the building. It will already be added and shown, but where you can come unstuck is if there has been an agreement to do some major renovation next year and the cost/share has been already agreed - you need to know that your Yhtiövastike is going to increase next year and by how much. Estate Agents "sometimes" “forget” to inform about these hidden surprises...First thing to ask when you see the Yhtiövastike is "Is there any Asumis-/rahoitusmuoto payment change or increase agreed for the near future? But most of this information is only relevant to buyers/owners. When you rent the Yhtiövastike and any Asumis-/rahoitusmuoto payment is the responsibility of your landlord. [b:heledd1r]Documents you want to (or dont want to, but must) see:[/b:heledd1r] In Finland one rarely resorts to a solicitor to make a purchase of a flat or real estate. The real estate agents have certain legal status as in LKV so they are authorised to perform sales of real estate for example. A few terms: [b:heledd1r]Kiinteistö[/b:heledd1r] = real estate, or a house on a real estate (not in company form). [b:heledd1r]Varainsiirtovero[/b:heledd1r] = tax on transfer of funds = which the *buyer pays* 4% for real estate, 1,2% for sales of "stock" as in buying a flat. Buyers aged younger than 39 that have not owned "a half of an abode" may petition this to be waived. OK, the documents: [b:heledd1r]Isännöitsijäntodistus[/b:heledd1r] lit. the caretaker's certificate. Every Asunto-Osakeyhtiö has an Isännöitsijä (caretaker) who is hired by the committee of shareholders. He takes care among other things of all the records. Every apartment being sold should have a current "isännöitsijäntodistus" which singles out the apartment, the stock numbers, the size etc. and what is the most important if the flat shares owe any money to the company and if there are any unpaid monthly charges racked up (as the new owner will be liable for these charges.) Also the document will list any big repairs that have been performed (if the magic word putki, sähkö, parveke, ikkuna + remontti appear with recent dates that is good - if they appear with future dates... you think you are getting a cheap deal without any strings attached?) [b:heledd1r]Rasitustodistus[/b:heledd1r] lit. the certificate of burden. This is a legal document one gets from the court that lists all the "burdens" i.e. liabilities of a parcel of land. They may be ranging from the land being mortgaged to quaint regulations such as the neigbours cows being able to come drink from your pond. It also lists if your cows are allowed to go drink in the neighbours pond. (In olden days you bought a farm you might have "syytinki" - the old folk came with the house and you had to feed & clothe them.) Buying an empty or an older split lot the "tierasitus" (road burden) is very important. If there is a road (may be all covered and grown in) going in an old farmhouse yard between the house and barn, it may well be that the next door neighbor has a right to use it to get to his lot. Also if you buy a parcel of land, the road is very important to have. These do not so much apply to "ready-zoned" lots with all the "kunnallistekniikka" (wiring, plumbing mains, water mains) built to the lot sold by counties, but more to private land sales. [b:heledd1r]Lainhuuto[/b:heledd1r] lit. legal yell - Used to be a public announcement to ask if there were any objections. These days not so noisy, it is the process in court when a parcel of land changes ownership in the land records. The papers can be filled and filed by oneself, but correctly, so here usually a estate agent is a very good help for the service. These days foriegners can freely own land so you need not be worried of having to petition a special relief. [b:heledd1r]Kiinnitys/kiinnelaina[/b:heledd1r] lit. attachment. A mortgage on real estate where special "panttikirja" lit. pawn books of the deed are submitted as a guarantee/collateral for a loan. These "books" run numbered so the book 1 has a stronger claim to be paid in full than book 2 & so forth. It is very important to trace and make sure there are any "floating about". These are issued by the court so it shows in the land record in the "rasitustodistus". [i:heledd1r]Common abbreviations[/i:heledd1r]: [b:heledd1r]h, hp. hintapyyntö[/b:heledd1r] = asking price (make an offer we cannot refuse) [b:heledd1r]kt kerrostalo[/b:heledd1r] = block of flats [b:heledd1r]pkt pienkerrostalo[/b:heledd1r]= small block of flats (usually 2 stories, 4-6 flats) [b:heledd1r]pt paritalo[/b:heledd1r]= semi-detached /duplex [b:heledd1r]rt rivitalo[/b:heledd1r]= "row house" terraced house (closest to a townhouse you usually get) [b:heledd1r]mh. myyntihinta[/b:heledd1r], see below. [b:heledd1r]ok, okt omakotitalo[/b:heledd1r] = house (lit. "own home house" -pretty descriptive?) [b:heledd1r]r, rak. rakennettu[/b:heledd1r] = built [b:heledd1r]valm. valmistuu[/b:heledd1r] = will be built (usually on brand/fairly new or future dates) [b:heledd1r]vh. velaton hinta[/b:heledd1r]: see below [b:heledd1r]yl. yhtiölaina, myyntihinnan lisäksi asunto-osakkeiden omistajalle siirtyvä velkarasitus[/b:heledd1r] = company debt - a mortgage/loan that is taken by the housing company and is bound to the flat shares – see below [b:heledd1r]alk alkovi[/b:heledd1r] = alcove [b:heledd1r]at autotalli[/b:heledd1r] = garage [b:heledd1r]h huone[/b:heledd1r] = room [b:heledd1r]k keittiö[/b:heledd1r] = kitchen [b:heledd1r]kk keittokomero[/b:heledd1r] = kitchenette [b:heledd1r]kh, kph kylpyhuone[/b:heledd1r] = bathroom (usually toilet+shower) [b:heledd1r]khh kodinhoitohuone[/b:heledd1r] = utilities room [b:heledd1r]mh makuuhuone[/b:heledd1r] = bedroom [b:heledd1r]oh olohuone[/b:heledd1r] = living room [b:heledd1r]ph pesuhuone[/b:heledd1r] = laundry room [b:heledd1r]s, sa sauna[/b:heledd1r] = sauna – löylyhuone is sometimes used [b:heledd1r]th, tkh takkahuone[/b:heledd1r] = fireplace room (usually adjacent to a sauna) [b:heledd1r]työh työhuone[/b:heledd1r] = study/workspace [b:heledd1r]tk, tupak tupakeittiö[/b:heledd1r] = an open kitchen [b:heledd1r]var varasto[/b:heledd1r] = storage [b:heledd1r]vh vaatehuone[/b:heledd1r] = walk-in closet / wardrobe The explanation about the differences between mh and vh: [b:heledd1r]mh= myyntihinta[/b:heledd1r] = sale price [b:heledd1r]vh=velaton hinta[/b:heledd1r] = debtless price myyntihinta is the price the person selling wants from it into his own bank account velaton hinta is the mh + vh-mh amount of money you will pay to the housing company's account. Example: I have a flat. I want 120 000 for it. I had my balcony repaired so I owe the house 17.126 + change Maintenance is 158/mo, the water is 11/person and the 17 k liability is being paid off at 256/mo to the company. So the sales pitch could be this: Sijainti: Lammaslammentie 13 F , 01710 , Vantaa Kaupunginosa Pähkinärinne Huoneiston kokoonpano: 3h,k,kh, lasitettu parveke Pinta-ala: 65,0 m² Myyntihinta: 120 000,00 € Velaton myyntihinta: 137 126,00 € Asuntotyyppi: kerrostalo Asumis-/rahoitusmuoto: omistus Yhtiövastike: 158 Rahoitusvastike 236 Vesimaksu: 11/henk From the 120 000 you can negotiate, the 17k is a "liability" that comes always on top - you can choose to pay it off when you buy or then you inherit the "rahoitusvastike" Simply put in this case: either you pay the velaton hinta and pay 158 maintenance bill per month or then you pay the myyntihinta and pay 394 maintenance bill per month. You see it a lot on new buildings too - usually as "yhtiölaina". But not necessarily as "osaomistus" mode. You see a lot of these MH 50 000 VH 280 000 flats say in Kartanonkoski or Aurinkolahti. There is a catch though: The "yhtiölaina" is not tax-deductible. It follows the flat and not you as a liability, so it has no tax effect on you, whereas a personal mortgages’ interest is deductible. The next question is what interest is payable on the loan; at the moment 2,9% is possible and the company might have out the loan at 6%... ok, so if the interest rises to 9% there is an issue... but you can still deduct them from taxes. In some cases there is magic words HITAS or ARAVA mentioned. This is something to think about. HITAS means that the house has been built on Helsinki City-owned rented lot and it is price-controlled. So when you sell it you may not ask for more than what the "set price" is, it has to be sold to a "natural person" (as in not to a company) and the city may come in and buy it off at the "set price". ARAVA is usually regarding right-of-residence housing, it is government loans scheme to subsidize social housing. Depending a bit on what kind of subsidies or loans the builders have applied for some newbuilds the prospective buyers may be subject income restrictions. Prepared by: Bret, Hank W. [size=75:heledd1r]Copyright 2003 - 2005 IESAF ry[/size:heledd1r]]]> 2004-11-01T19:05:01+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=1279#p1279 Word List - Job Hunting in Finland http://iesaf.fi/sauna/./viewtopic.php?p=1277#p1277 Statistics : Posted by BAT • on Mon 01 Nov, 2004 7:03 pm • Replies 0 • Views 3115

]]> 2004-11-01T19:03:12+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=1277#p1277 Wordlist - Food http://iesaf.fi/sauna/./viewtopic.php?p=1275#p1275 www.valio.fi SUGAR ENGLISH FINNISH SWEDISH beet sugar juurikassorkeri betsocker brown sugar fariinisokeri farinsocker cane sugar ruokosokeri rörsocker caramel karamelli bräant socker carbohydrate hiilihydraatti kolhydrat confectioners tomusokeria florsocker demerera ruokokidesokeri råsocker strö icing sugar tomusokeri florsocker fructose fruktoosi fruktos honey hunaja honung jam, conserve hillo, marmeladi sylt, marmelad -sugar+pectin hillosokeri syltsocker molasses melassi melass treacle tumma siirappi mörk sirap pectin pektiini pektin raw sugar tumma kidesokeri mörkt kristallsocker hepa saccaharin sakariini sackarin sugar sokeri socker starch tärkkelys stärkelse sweetener makeuttaja sötningsmedel syrup siirappi sirap light vaalea siirappi toffee toffee knäck, kola white sugar sokeria socker -granulated taloussokeri hushåallssocker -cubes palasokeri bitsoker -caster sugar siro hieno sokeri fint strösocker NUTS, HERBS AND SPICES ENGLISH FINNISH SWEDISH almonds manteli mandel allspice maustepippuri aniseed anis anis basil basilika basilika bayleaf laakerinlehti lager blad brazil nut parapähkinä capers kapris cardamon kardemumma kardemumma caraway seeds kumina kummin cashew nuts cajou-pähkinä chervil kirveli chestnut kastanja kastuanje chickpeas kikherneitä chives ruohosipuli cinnamon kaneli kanel cloves neilikka nejlikor coriander korianteri dill tilli dill fennel fenkoli fänkål garlic valkosipuli vitlök garlic salt valkosipulisuola vitläkssalt ginger inkivääri ingefär ground spice jauhettu (mauste) malen hazelnut haselpähkinä hasselnöt horseradish piparjuuri pepparrot lentils linssejä lins linseed pellavansiemen linfrö mace muskottikukka marjoram meirami mejram mint minttu mynta mustard sinappi senap nutmeg muskottipahkinä muskotnöt oregano oregano oregano parsley persilja persilja peanuts maapähkinä jordnöt pecan nut pekan-pähkina pekan pepper piippuri peppär pistachio pistaasimanteli pistasnöt poppy seeds unikonsiemen vallmofrö rocket rucola rosemary rosmariini rosmarin sage salvia saffron sahrami salt suola salt sesame seeds seesami sesam frön soya soija spice mauste krydd tarragon rakuuna dragon thyme timjami timjan tomato sauce tomaattisose tomatsås vanilla vanilliini vanilj vinegar ettikka ättika, vinäger walnut saksanpähkinä valnöt whole spice kokonainen hel FRUIT ENGLISH FINNISH SWEDISH apple omena äpple apricot aprikoosi aprilos bananas banaani banan blueberry mustikka blåbär cantaloup meloni melon cherry kirsikka körsbär cloudberry lakka hjortron cranberry karpalo tranbär currant (dried) korintti korint/vinbär currant/berry herukka -red currant puna viinimarja rödvinbär -black musta viinimarja svartvinbär -white valkoinen viineimarja vitvinbär grapefruit greippi greip grapes viinirypäleet vindruvor -seedless kivettön stenfri gooseberries karvianinen krusbär honeymelon hunajameloni honungsmelon kiwi kiivi kiwi kumquat kumkvatti lemon sitruuna citron lime limetti lime lingonberry puolukka lingon lychee litsi litse madarin mandariini mandarin nectarin nektariini nectarin orange appelsiini apelsin peach persikka persika pear päärynä päron pineapple ananas ananas plum luumu plommon pomegranate granaattiomena granatäpple raisins rusinoita russin raspberry vadelma hallon rowanberry pihlajamarja rönnbär sea buckthorn tyrnimarja havtorn strawberry mansikka jordgubbe tangerine tangeriino tangerin watermelon vesimeloni vatienmelon wild strawberry metsämansikka smultron VEGETABLES ENGLISH FINNISH SWEDISH asparagas parsa sparris aubergine munakoiso aubergin bamboo shoots babmunversot bamburör beans papuja bönor beetroot punajuuri rödbeta (bell) peppers paprika paprika broccoli parsakaali broccoli brussels sprouts ruusukaali brysselkäl cabbage kaali kål -white valkokaali viykål -red punakaali rödkål -chinese kiinankaali kinakål carrot porkkana morot cauliflower kukkakaali blomkål celery (bunch) kehtiselleri bladselleri celery (root) juuriselleri skuftselleri chickpeas kikherneitä chives ruohosipuli gräslök courgettes kesäkurpitsa cress krassi krasse cucumber kurkku gurka endive endiivi endiv garlic valkosipuli vitlök gherkin in salt suolakurkku saltgurka - in vinegar etikkakurkku ättiksgurka horseradish (root) juuriselleri leek purjosipuli purjolök lettuce salaatti sallat marrow kurpitsa mushrooms sieni onion sipuli lök parsnip palsternakka peas herneitä ärter potatoes peruna potatis pumpkin kurpitsa kurbits radish retiisi rädisa rhubarb raparperi rabarber shallot kiinansipuli schalottenlök spinach pinaatti spenat squash kurpitsa squash swede lanttu sweetcorn maissi majs tomato tomaatti tomat turnip naurista kålrot watercress vesikrassi zucchini kesäkurpitsa zucchini MUSHROOMS ENGLISH FINNISH cep herkkutatti chanterelle kantarelli - funnel chant. suppilovahuero horn of plenty musta torvisieni milk cap haaparousku morel korvasieni FISH ENGLISH FINNISH bream lahna burbot made cod turska crab merirapu crayfish rapu eel ankerias frozen fish pakastekalaa herring silliä herring baltic silakka lobster hummeri perch ahven perch red puna-ahven pike hauki rainbow trout kirjolohi roe mäti ruffe kiiski salmon lohi shrimp katkarapu smoked savustettua trout taimen / nieriä vendace muikku walleye (pike-perch) kuha white fish siika white fish (boneless) siikafileitä MEAT beef naudanliha filet outer ulkofile filet inner sisäfile minced beef best paistijauheliha minced beef jauheliha (tavallinen) pot roast merimiespihvi roast beef rump patapaisti roast beef sirloin luuton paahtopaisti stewing beef etuselkä stroganoff sisäpaisti t-bone steak t-luupihvi veal vasikka veal chops vasikankylijykset wienerschnitzel wienerleike pork sianliha bacon pekoni chops kylijykset filet outer ulkofile filet inner sisäfile ham fresh kinkku (tuoreena) -salted kinkku (suolattuna) -smoked palvikinkku roast etuselkä or kasleri roast with bone lapa sausage makkara spareribs grilliluu (ei nahkaa) poultry siipikarja chicken kananpoika -boiling kana (hen, very tough) -frying broileria -boneless/skinless fileepihvejä duck ankka goose hanhi pheasant fasaani snow grouse riekko turkey kalkkuna lamb lammas / karitsa lamb chops lampaankyljyksiä leg of lamb lampaanpaisti for stew/soups etuselkä other (game) bear karhu elk hirvi rabbit jani reindeer poron wild boar villisika miscellaneous kidneys munuainen liver maksa -veal vasikanmaksaa -pork porsaanmaksaa -chicken broilerinmaksaa tongue kieli Prepared by: Penelope [size=75:1lvr2zhq]Copyright 2003 - 2005 IESAF ry[/size:1lvr2zhq]

Statistics : Posted by BAT • on Mon 01 Nov, 2004 6:59 pm • Replies 0 • Views 4831

]]> www.valio.fi SUGAR ENGLISH FINNISH SWEDISH beet sugar juurikassorkeri betsocker brown sugar fariinisokeri farinsocker cane sugar ruokosokeri rörsocker caramel karamelli bräant socker carbohydrate hiilihydraatti kolhydrat confectioners tomusokeria florsocker demerera ruokokidesokeri råsocker strö icing sugar tomusokeri florsocker fructose fruktoosi fruktos honey hunaja honung jam, conserve hillo, marmeladi sylt, marmelad -sugar+pectin hillosokeri syltsocker molasses melassi melass treacle tumma siirappi mörk sirap pectin pektiini pektin raw sugar tumma kidesokeri mörkt kristallsocker hepa saccaharin sakariini sackarin sugar sokeri socker starch tärkkelys stärkelse sweetener makeuttaja sötningsmedel syrup siirappi sirap light vaalea siirappi toffee toffee knäck, kola white sugar sokeria socker -granulated taloussokeri hushåallssocker -cubes palasokeri bitsoker -caster sugar siro hieno sokeri fint strösocker NUTS, HERBS AND SPICES ENGLISH FINNISH SWEDISH almonds manteli mandel allspice maustepippuri aniseed anis anis basil basilika basilika bayleaf laakerinlehti lager blad brazil nut parapähkinä capers kapris cardamon kardemumma kardemumma caraway seeds kumina kummin cashew nuts cajou-pähkinä chervil kirveli chestnut kastanja kastuanje chickpeas kikherneitä chives ruohosipuli cinnamon kaneli kanel cloves neilikka nejlikor coriander korianteri dill tilli dill fennel fenkoli fänkål garlic valkosipuli vitlök garlic salt valkosipulisuola vitläkssalt ginger inkivääri ingefär ground spice jauhettu (mauste) malen hazelnut haselpähkinä hasselnöt horseradish piparjuuri pepparrot lentils linssejä lins linseed pellavansiemen linfrö mace muskottikukka marjoram meirami mejram mint minttu mynta mustard sinappi senap nutmeg muskottipahkinä muskotnöt oregano oregano oregano parsley persilja persilja peanuts maapähkinä jordnöt pecan nut pekan-pähkina pekan pepper piippuri peppär pistachio pistaasimanteli pistasnöt poppy seeds unikonsiemen vallmofrö rocket rucola rosemary rosmariini rosmarin sage salvia saffron sahrami salt suola salt sesame seeds seesami sesam frön soya soija spice mauste krydd tarragon rakuuna dragon thyme timjami timjan tomato sauce tomaattisose tomatsås vanilla vanilliini vanilj vinegar ettikka ättika, vinäger walnut saksanpähkinä valnöt whole spice kokonainen hel FRUIT ENGLISH FINNISH SWEDISH apple omena äpple apricot aprikoosi aprilos bananas banaani banan blueberry mustikka blåbär cantaloup meloni melon cherry kirsikka körsbär cloudberry lakka hjortron cranberry karpalo tranbär currant (dried) korintti korint/vinbär currant/berry herukka -red currant puna viinimarja rödvinbär -black musta viinimarja svartvinbär -white valkoinen viineimarja vitvinbär grapefruit greippi greip grapes viinirypäleet vindruvor -seedless kivettön stenfri gooseberries karvianinen krusbär honeymelon hunajameloni honungsmelon kiwi kiivi kiwi kumquat kumkvatti lemon sitruuna citron lime limetti lime lingonberry puolukka lingon lychee litsi litse madarin mandariini mandarin nectarin nektariini nectarin orange appelsiini apelsin peach persikka persika pear päärynä päron pineapple ananas ananas plum luumu plommon pomegranate granaattiomena granatäpple raisins rusinoita russin raspberry vadelma hallon rowanberry pihlajamarja rönnbär sea buckthorn tyrnimarja havtorn strawberry mansikka jordgubbe tangerine tangeriino tangerin watermelon vesimeloni vatienmelon wild strawberry metsämansikka smultron VEGETABLES ENGLISH FINNISH SWEDISH asparagas parsa sparris aubergine munakoiso aubergin bamboo shoots babmunversot bamburör beans papuja bönor beetroot punajuuri rödbeta (bell) peppers paprika paprika broccoli parsakaali broccoli brussels sprouts ruusukaali brysselkäl cabbage kaali kål -white valkokaali viykål -red punakaali rödkål -chinese kiinankaali kinakål carrot porkkana morot cauliflower kukkakaali blomkål celery (bunch) kehtiselleri bladselleri celery (root) juuriselleri skuftselleri chickpeas kikherneitä chives ruohosipuli gräslök courgettes kesäkurpitsa cress krassi krasse cucumber kurkku gurka endive endiivi endiv garlic valkosipuli vitlök gherkin in salt suolakurkku saltgurka - in vinegar etikkakurkku ättiksgurka horseradish (root) juuriselleri leek purjosipuli purjolök lettuce salaatti sallat marrow kurpitsa mushrooms sieni onion sipuli lök parsnip palsternakka peas herneitä ärter potatoes peruna potatis pumpkin kurpitsa kurbits radish retiisi rädisa rhubarb raparperi rabarber shallot kiinansipuli schalottenlök spinach pinaatti spenat squash kurpitsa squash swede lanttu sweetcorn maissi majs tomato tomaatti tomat turnip naurista kålrot watercress vesikrassi zucchini kesäkurpitsa zucchini MUSHROOMS ENGLISH FINNISH cep herkkutatti chanterelle kantarelli - funnel chant. suppilovahuero horn of plenty musta torvisieni milk cap haaparousku morel korvasieni FISH ENGLISH FINNISH bream lahna burbot made cod turska crab merirapu crayfish rapu eel ankerias frozen fish pakastekalaa herring silliä herring baltic silakka lobster hummeri perch ahven perch red puna-ahven pike hauki rainbow trout kirjolohi roe mäti ruffe kiiski salmon lohi shrimp katkarapu smoked savustettua trout taimen / nieriä vendace muikku walleye (pike-perch) kuha white fish siika white fish (boneless) siikafileitä MEAT beef naudanliha filet outer ulkofile filet inner sisäfile minced beef best paistijauheliha minced beef jauheliha (tavallinen) pot roast merimiespihvi roast beef rump patapaisti roast beef sirloin luuton paahtopaisti stewing beef etuselkä stroganoff sisäpaisti t-bone steak t-luupihvi veal vasikka veal chops vasikankylijykset wienerschnitzel wienerleike pork sianliha bacon pekoni chops kylijykset filet outer ulkofile filet inner sisäfile ham fresh kinkku (tuoreena) -salted kinkku (suolattuna) -smoked palvikinkku roast etuselkä or kasleri roast with bone lapa sausage makkara spareribs grilliluu (ei nahkaa) poultry siipikarja chicken kananpoika -boiling kana (hen, very tough) -frying broileria -boneless/skinless fileepihvejä duck ankka goose hanhi pheasant fasaani snow grouse riekko turkey kalkkuna lamb lammas / karitsa lamb chops lampaankyljyksiä leg of lamb lampaanpaisti for stew/soups etuselkä other (game) bear karhu elk hirvi rabbit jani reindeer poron wild boar villisika miscellaneous kidneys munuainen liver maksa -veal vasikanmaksaa -pork porsaanmaksaa -chicken broilerinmaksaa tongue kieli Prepared by: Penelope [size=75:1lvr2zhq]Copyright 2003 - 2005 IESAF ry[/size:1lvr2zhq]]]> 2004-11-01T18:59:23+02:00 http://iesaf.fi/sauna/./viewtopic.php?p=1275#p1275 Links - Finnish Laws in English http://iesaf.fi/sauna/./viewtopic.php?p=456#p456 www.finlex.fi - in Finnish and Swedish. [url=http://www.finlex.fi/english/laws/index.php:ufhk4s1n]Quite a few laws have been translated into English[/url:ufhk4s1n] but not all. The English translations of Finnish Laws available in PDF format on the FINLEX website are alphabetically organized. Some ministries also provide specific legislation off their own websites. The Finnish legal system relies on an Act (laki) passed with the principles and then also there may be a Decree (asetus) that has specific instances named. So the Acts might have a clause "to be set by decree" to specific points. Prepared by: Hank W. Links last checked 21.10.04 [size=75:ufhk4s1n]Copyright 2003 - 2005 IESAF ry[/size:ufhk4s1n]

Statistics : Posted by Hank W. • on Thu 21 Oct, 2004 7:26 pm • Replies 0 • Views 2509

]]> www.finlex.fi - in Finnish and Swedish. [url=http://www.finlex.fi/english/laws/index.php:ufhk4s1n]Quite a few laws have been translated into English[/url:ufhk4s1n] but not all. The English translations of Finnish Laws available in PDF format on the FINLEX website are alphabetically organized. Some ministries also provide specific legislation off their own websites. The Finnish legal system relies on an Act (laki) passed with the principles and then also there may be a Decree (asetus) that has specific instances named. So the Acts might have a clause "to be set by decree" to specific points. Prepared by: Hank W. Links last checked 21.10.04 [size=75:ufhk4s1n]Copyright 2003 - 2005 IESAF ry[/size:ufhk4s1n]]]> 2004-10-21T20:26:11+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=456#p456 Where to look first http://iesaf.fi/sauna/./viewtopic.php?p=430#p430 :D

Statistics : Posted by BAT • on Thu 21 Oct, 2004 1:06 pm • Replies 0 • Views 2808

]]> :D]]> 2004-10-21T14:06:46+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=430#p430 Links - Cell Phone Services http://iesaf.fi/sauna/./viewtopic.php?p=351#p351 http://www.dna.fi http://www.sonera.fi http://www.saunalahti.fi http://www.zeroforty.com http://www.elisa.fi http://www.telefinland.fi http://www.kolumbus.fi http://www.cubio.fi http://www.hesburger.fi http://www.mtv3.fi Ringtones and Pictures etc. http://www.zed.fi http://www.elisa.fi http://www.mtv3.fi http://www.nelonen.fi http://www.jamba.fi http://www.buumi.net Links last checked 20.10.04 [size=75:23x9efnm]Copyright 2003 - 2005 IESAF ry[/size:23x9efnm]

Statistics : Posted by BAT • on Tue 19 Oct, 2004 5:58 pm • Replies 0 • Views 2824

]]> http://www.dna.fi http://www.sonera.fi http://www.saunalahti.fi http://www.zeroforty.com http://www.elisa.fi http://www.telefinland.fi http://www.kolumbus.fi http://www.cubio.fi http://www.hesburger.fi http://www.mtv3.fi Ringtones and Pictures etc. http://www.zed.fi http://www.elisa.fi http://www.mtv3.fi http://www.nelonen.fi http://www.jamba.fi http://www.buumi.net Links last checked 20.10.04 [size=75:23x9efnm]Copyright 2003 - 2005 IESAF ry[/size:23x9efnm]]]> 2004-10-19T18:58:21+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=351#p351 Links - Business Phone Directories for Finland http://iesaf.fi/sauna/./viewtopic.php?p=347#p347 http://www.020202.fi http://www.inoa.fi http://www.yritystele.fi http://www.keltaisetsivut.fi http://www.eniro.fi Links last checked 02.11.04 [size=75:2q66sbw9]Copyright 2003 - 2005 IESAF ry[/size:2q66sbw9]

Statistics : Posted by BAT • on Tue 19 Oct, 2004 4:52 pm • Replies 0 • Views 2636

]]> http://www.020202.fi http://www.inoa.fi http://www.yritystele.fi http://www.keltaisetsivut.fi http://www.eniro.fi Links last checked 02.11.04 [size=75:2q66sbw9]Copyright 2003 - 2005 IESAF ry[/size:2q66sbw9]]]> 2004-10-19T17:52:36+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=347#p347 Member-Recommended Business Links http://iesaf.fi/sauna/./viewtopic.php?p=345#p345 :) Print Cartridge Refill Companies (recommended by Kemars) http://www.print-refill.com http://www.inkclub.com Storage Company - MiniVarasto (recommended by PeterF) http://www.minivarasto.fi/english/index.html Links last checked 12.01.05 [size=75:2njugbwk]Copyright 2003 - 2005 IESAF ry[/size:2njugbwk]

Statistics : Posted by BAT • on Tue 19 Oct, 2004 4:46 pm • Replies 0 • Views 2558

]]> :) Print Cartridge Refill Companies (recommended by Kemars) http://www.print-refill.com http://www.inkclub.com Storage Company - MiniVarasto (recommended by PeterF) http://www.minivarasto.fi/english/index.html Links last checked 12.01.05 [size=75:2njugbwk]Copyright 2003 - 2005 IESAF ry[/size:2njugbwk]]]> 2004-10-19T17:46:59+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=345#p345 Links - Banking and Insurance http://iesaf.fi/sauna/./viewtopic.php?p=342#p342 http://www.pankkiyhdistys.fi Aktia http://www.aktia.fi Handelsbanken http://www.handelsbanken.fi Nordea http://www.nordea.fi Osuuspankki https://www.osuuspankki.fi Sampo http://www.sampo.fi Mortgage Society http://www.hypo.fi Insurance Companies in Finland ======================= Federation of Finnish Insurers http://www.vakes.fi (Internal link for list of insurance companies in Finland - http://www.vakes.fi/svk/english/index.j ... d=12.03.01) Links list last checked 19.10.04 [size=75:1363kjvs]Copyright 2003 - 2005 IESAF ry[/size:1363kjvs]

Statistics : Posted by BAT • on Tue 19 Oct, 2004 4:21 pm • Replies 0 • Views 2592

]]> http://www.pankkiyhdistys.fi Aktia http://www.aktia.fi Handelsbanken http://www.handelsbanken.fi Nordea http://www.nordea.fi Osuuspankki https://www.osuuspankki.fi Sampo http://www.sampo.fi Mortgage Society http://www.hypo.fi Insurance Companies in Finland ======================= Federation of Finnish Insurers http://www.vakes.fi (Internal link for list of insurance companies in Finland - http://www.vakes.fi/svk/english/index.j ... d=12.03.01) Links list last checked 19.10.04 [size=75:1363kjvs]Copyright 2003 - 2005 IESAF ry[/size:1363kjvs]]]> 2004-10-19T17:21:38+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=342#p342 Getting Married http://iesaf.fi/sauna/./viewtopic.php?p=330#p330 http://www.om.fi/esitteet/20501.htm The information is based on the Marriage Act. Amendments of the legislation have been followed until the end of August 2002. All the information is in English, Swedish and Finnish. It deals with all aspects including: Conclusion of marriage Including sub sections on… Who can conclude marriage | ...and with whom | Examination of impediments to marriage | Certificate of the examination of impediments to marriage | The preconditions for a religious ceremony | The preconditions of a civil marriage ceremony | Who performs the ceremony? | Choice of last name before the ceremony I.e. click on Who performs the ceremony? And this is what you get: Who performs the ceremony? Under the Marriage Act, a religious marriage ceremony may be performed by: · a minister of the Evangelical-Lutheran Church · a minister of the Greek Orthodox Church · in another religious community by a person who, under the rules and regulations of the community, has the right to perform marriage ceremonies. Civil marriage ceremony shall be performed by: · the Chief Judge of a District Court and a District Judge · a District Registrar. The rights and obligations of the spouses in marriage Including sub sections on… The maintenance obligations of the spouses during marriage | ...and after divorce | Debts of the spouses and liability for the debt of a spouse | Property of the spouses | Marital right and marriage settlement | Protection of the common home and household goods Family mediation Dissolution of marriage Including sub sections on… Divorce after the reconsideration period | Beginning of the reconsideration period | The lapsing of a divorce case | Divorce without a reconsideration period | Other issues handled in connection with a divorce Distribution of the property of the spouses Including sub sections on… Divorce after the reconsideration period | Beginning of the reconsideration period | The lapsing of a divorce case | Divorce without a reconsideration period | Other issues handled in connection with a divorce. Prepared by: Daive Links last checked 19.10.04. [size=75:l4unc5la]Copyright 2003 - 2005 IESAF ry[/size:l4unc5la]

Statistics : Posted by BAT • on Tue 19 Oct, 2004 3:00 pm • Replies 0 • Views 4343

]]> http://www.om.fi/esitteet/20501.htm The information is based on the Marriage Act. Amendments of the legislation have been followed until the end of August 2002. All the information is in English, Swedish and Finnish. It deals with all aspects including: Conclusion of marriage Including sub sections on… Who can conclude marriage | ...and with whom | Examination of impediments to marriage | Certificate of the examination of impediments to marriage | The preconditions for a religious ceremony | The preconditions of a civil marriage ceremony | Who performs the ceremony? | Choice of last name before the ceremony I.e. click on Who performs the ceremony? And this is what you get: Who performs the ceremony? Under the Marriage Act, a religious marriage ceremony may be performed by: · a minister of the Evangelical-Lutheran Church · a minister of the Greek Orthodox Church · in another religious community by a person who, under the rules and regulations of the community, has the right to perform marriage ceremonies. Civil marriage ceremony shall be performed by: · the Chief Judge of a District Court and a District Judge · a District Registrar. The rights and obligations of the spouses in marriage Including sub sections on… The maintenance obligations of the spouses during marriage | ...and after divorce | Debts of the spouses and liability for the debt of a spouse | Property of the spouses | Marital right and marriage settlement | Protection of the common home and household goods Family mediation Dissolution of marriage Including sub sections on… Divorce after the reconsideration period | Beginning of the reconsideration period | The lapsing of a divorce case | Divorce without a reconsideration period | Other issues handled in connection with a divorce Distribution of the property of the spouses Including sub sections on… Divorce after the reconsideration period | Beginning of the reconsideration period | The lapsing of a divorce case | Divorce without a reconsideration period | Other issues handled in connection with a divorce. Prepared by: Daive Links last checked 19.10.04. [size=75:l4unc5la]Copyright 2003 - 2005 IESAF ry[/size:l4unc5la]]]> 2004-10-19T16:00:28+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=330#p330 Housing - Renting and Buying http://iesaf.fi/sauna/./viewtopic.php?p=329#p329 www.finlex.fi http://www.finlex.fi/pdf/saadkaan/E9950481.PDF has the specific obligations and regulations regarding renting and letting. The Finnish system does not allow much leeway in making "own contract" as the law states any contract clause not abiding to the law is null and void. Such clauses as the maximum amount of deposit and notice periods are non-negotiable. The tenant's notice is 1 month and the lessor's notice 3 months (if the renter has lived in the flat for more than a year its 6 months) Finns always move at the end of the month. Mid-month notices are not known. Renting & Buying - Where to look and who to contact (internet links) http://www.etuovi.com - don't get the .com mixed up with .fi.,the .fi domain is a music resource page. http://www.oikotie.fi http://www.opkk.fi http://www.takio.com http://www.24housing.com http://www.asunnonvaihtokeskus.com http://www.dominrental.com/frontpage http://www.huoneistokeskus.fi http://www.vvo.fi Buying - Overview If it is the first time you are buying a property in Finland and you are not older than 40 you don’t need to pay the so-called “transfer tax”. Read more here: http://www.vero.fi/nc/doc/download.asp?id=228;109342 Flats (apartments) - When you buy a flat, you don't actually buy the flat itself; you simply buy shares in the company that allow you to occupy the flat. One should acquaint themselves with the Housing Companies Act 809/1991, available at www.finlex.fi http://www.finlex.fi/pdf/saadkaan/E9910809.PDF as well as the Housing Transactions Act 843/1994 http://www.finlex.fi/pdf/saadkaan/E9940843.PDF Because of this there are a number of things which you can't do, and a number of precautions that you must take. For example, the toilet always belongs to the housing company, so it's up to them to change it; if you renovate your bathroom, it must be done by a qualified person to guarantee that the finish is waterproof, and so forth. When you also buy a flat, you also need to bear in mind that you will be charged a monthly maintenance fee. This could be anything from €50 to €200 depending on how new or old the flat is, how "rich" the housing company is (like does it own say shops on the ground floor) and if there has been major repairs etc. when there might be a liability towards the company for them. these liabilities always go with the flat and not the owner. The same sort of rules apply to houses which are also owned by a housing company (usually groups of smaller houses or terrace houses). If you intend to buy a house, enquire about any monthly or yearly costs to a housing company, or extra conditions. One way to avoid this is to build your own house or buy a detached house. Buying - How much deposit? The more, the better. A standard deposit is roughly 15% of the flat/house's asking price. However, there are banks which are willing to give 100% loans. Bank Loans - Getting a loan Most banks will offer fixed rate loans and variable loans, but this will differ from bank to bank. Make sure you visit several banks, not just your current bank. And also be prepared to move your daily banking services to a new bank, as a bank that handles your mortgage may also offer you better terms for your daily banking needs. Generally, they will require you to transfer your salary to go to them. As for mortgage advice, you're better off reading some mortgage related magazines - we're not a mortgage advisers, sorry. Bank Loans - Different types of loans It is also possible to take out a loan without having a deposit, but most will require a 15% deposit. Some banks will give 100% loans, and most will allow you to take a loan without a deposit provided that the parents of your Finnish partner are will to take the responsibility for 15% of the cost, should anything go wrong. (No down payment is required for this.) If you take this type of loan, in reality, you are basically given a 100% loan which consists of two separate loans. One loan for 85% and the other for 15%. The 15% loan would become the responsibility of your guarantors in the event of you not being able to pay it back. Construction companies are also a good source of information in terms of buying new homes. Check out their websites for new developments! http://www.vvo.fi http://www.skanska.fi http://www.sato.fi http://www.tarveasunnot.fi http://www.asuntosaatio.fi http://www.asuntotieto.com Loan companies are listed below, it is also advisable to go into your local bank and discuss the situation with them first. Any bank that you take a loan from will request that you use them as your main bank, ie. your salaries will need to be paid straight into your account at your chosen bank. http://www.hypo.fi (Hypoteekkiyhdistys) https://www.osuuspankki.fi (Osuuspankki) http://www.nordea.fi (Nordea) http://www.sampo.fi (Sampo) http://www.aktia.fi (Aktia) http://www.handelsbanken.fi (Handelsbanken) Price and quality regulated housing in Helsinki (HITAS) The City of Helsinki is the central city of the Helsinki metropolitan area, which has about 1.1 million inhabitants. Since the mid 1990’s, the annual growth rate has, on average, been 1.5%, thus making it one of the fastest growing urban regions in Europe. The problems that arose from the heavy market ups and downs in the owner-occupied sector of housing in the seventies, resulted in the creation of the HITAS-regulation system. The fight against the decrease in population was one clear argument for grounding this rare housing system. By offering an opportunity to the middle class families with incomes exceeding the state loan limits, but falling short of the market price level, this problem could be alleviated. The main objectives of the HITAS has been: To make affordable and good quality housing available for all social groups To avoid social segregation based on income and tenancy To create housing stock which balances the market prices of dwellings. The system is based on a contract between the City and the developer when the city leases the plot. The flat buyer or renter pays a price related solely to the actual building costs The rent of tenements is regulated according to the capital and maintenance costs The resale price of HITAS-dwellings is also regulated with a composite index of construction cost and housing market price. The quality and price control system HITAS has been in force since 1978. The HITAS-system has been applied in all major developments both in inner city and suburban neighbourhoods. Housing Glossary (Finnish - English) Sijainti = location of property Kaupunginosa = neighbourhood/suburb Huoneiston kokoonpano: what the house / apartment consists of? I.e. This will be how many and what kinds of rooms (2 + k, kph = 2 room apartment plus kitchen plus washroom) Pinta-ala: Size of property in square metres . Asumisoikeusmaksu euroina: price in euro Asuntotyyppi: Accomodation type… Omakotitalo = House Kerrostalo = Apartment building Rivitalo = Rowhouse Paritalo = Semi detached Yhtiövastike euroina: it's the monthly maintenance fee you have to pay, if buying an house or appartment. Vesimaksu = water charge Parveke = Balcony Ikkunoiden suunnat = Direction windows face Keittiön varusteet = Kitchen features Kylpyhuoneen varusteet = Toilet/bathroom features Lattiapäällysteet: Floor material Parketti = Parquet wooden flooring Muovimatto = Vinyl flooring Yleiskunto = The condition that the apartment is in. Hissi = Elevator/lift Kerros = Floor/level Rakennusvuosi = Year the property was built. Valmistumisaika = When the apt is available for occupation Pysäköintitilat = Parking space Prepared by: Daive For more links to useful real estate resources please check [url=http://www.iesaf.fi/sauna/viewtopic.php?p=123#123:18m3ob5u]Links - Real Estate in Finland[/url:18m3ob5u] Links last checked 19.10.04 [size=75:18m3ob5u]Copyright 2003 - 2005 IESAF ry[/size:18m3ob5u]

Statistics : Posted by BAT • on Tue 19 Oct, 2004 2:58 pm • Replies 0 • Views 9348

]]> www.finlex.fi http://www.finlex.fi/pdf/saadkaan/E9950481.PDF has the specific obligations and regulations regarding renting and letting. The Finnish system does not allow much leeway in making "own contract" as the law states any contract clause not abiding to the law is null and void. Such clauses as the maximum amount of deposit and notice periods are non-negotiable. The tenant's notice is 1 month and the lessor's notice 3 months (if the renter has lived in the flat for more than a year its 6 months) Finns always move at the end of the month. Mid-month notices are not known. Renting & Buying - Where to look and who to contact (internet links) http://www.etuovi.com - don't get the .com mixed up with .fi.,the .fi domain is a music resource page. http://www.oikotie.fi http://www.opkk.fi http://www.takio.com http://www.24housing.com http://www.asunnonvaihtokeskus.com http://www.dominrental.com/frontpage http://www.huoneistokeskus.fi http://www.vvo.fi Buying - Overview If it is the first time you are buying a property in Finland and you are not older than 40 you don’t need to pay the so-called “transfer tax”. Read more here: http://www.vero.fi/nc/doc/download.asp?id=228;109342 Flats (apartments) - When you buy a flat, you don't actually buy the flat itself; you simply buy shares in the company that allow you to occupy the flat. One should acquaint themselves with the Housing Companies Act 809/1991, available at www.finlex.fi http://www.finlex.fi/pdf/saadkaan/E9910809.PDF as well as the Housing Transactions Act 843/1994 http://www.finlex.fi/pdf/saadkaan/E9940843.PDF Because of this there are a number of things which you can't do, and a number of precautions that you must take. For example, the toilet always belongs to the housing company, so it's up to them to change it; if you renovate your bathroom, it must be done by a qualified person to guarantee that the finish is waterproof, and so forth. When you also buy a flat, you also need to bear in mind that you will be charged a monthly maintenance fee. This could be anything from €50 to €200 depending on how new or old the flat is, how "rich" the housing company is (like does it own say shops on the ground floor) and if there has been major repairs etc. when there might be a liability towards the company for them. these liabilities always go with the flat and not the owner. The same sort of rules apply to houses which are also owned by a housing company (usually groups of smaller houses or terrace houses). If you intend to buy a house, enquire about any monthly or yearly costs to a housing company, or extra conditions. One way to avoid this is to build your own house or buy a detached house. Buying - How much deposit? The more, the better. A standard deposit is roughly 15% of the flat/house's asking price. However, there are banks which are willing to give 100% loans. Bank Loans - Getting a loan Most banks will offer fixed rate loans and variable loans, but this will differ from bank to bank. Make sure you visit several banks, not just your current bank. And also be prepared to move your daily banking services to a new bank, as a bank that handles your mortgage may also offer you better terms for your daily banking needs. Generally, they will require you to transfer your salary to go to them. As for mortgage advice, you're better off reading some mortgage related magazines - we're not a mortgage advisers, sorry. Bank Loans - Different types of loans It is also possible to take out a loan without having a deposit, but most will require a 15% deposit. Some banks will give 100% loans, and most will allow you to take a loan without a deposit provided that the parents of your Finnish partner are will to take the responsibility for 15% of the cost, should anything go wrong. (No down payment is required for this.) If you take this type of loan, in reality, you are basically given a 100% loan which consists of two separate loans. One loan for 85% and the other for 15%. The 15% loan would become the responsibility of your guarantors in the event of you not being able to pay it back. Construction companies are also a good source of information in terms of buying new homes. Check out their websites for new developments! http://www.vvo.fi http://www.skanska.fi http://www.sato.fi http://www.tarveasunnot.fi http://www.asuntosaatio.fi http://www.asuntotieto.com Loan companies are listed below, it is also advisable to go into your local bank and discuss the situation with them first. Any bank that you take a loan from will request that you use them as your main bank, ie. your salaries will need to be paid straight into your account at your chosen bank. http://www.hypo.fi (Hypoteekkiyhdistys) https://www.osuuspankki.fi (Osuuspankki) http://www.nordea.fi (Nordea) http://www.sampo.fi (Sampo) http://www.aktia.fi (Aktia) http://www.handelsbanken.fi (Handelsbanken) Price and quality regulated housing in Helsinki (HITAS) The City of Helsinki is the central city of the Helsinki metropolitan area, which has about 1.1 million inhabitants. Since the mid 1990’s, the annual growth rate has, on average, been 1.5%, thus making it one of the fastest growing urban regions in Europe. The problems that arose from the heavy market ups and downs in the owner-occupied sector of housing in the seventies, resulted in the creation of the HITAS-regulation system. The fight against the decrease in population was one clear argument for grounding this rare housing system. By offering an opportunity to the middle class families with incomes exceeding the state loan limits, but falling short of the market price level, this problem could be alleviated. The main objectives of the HITAS has been: To make affordable and good quality housing available for all social groups To avoid social segregation based on income and tenancy To create housing stock which balances the market prices of dwellings. The system is based on a contract between the City and the developer when the city leases the plot. The flat buyer or renter pays a price related solely to the actual building costs The rent of tenements is regulated according to the capital and maintenance costs The resale price of HITAS-dwellings is also regulated with a composite index of construction cost and housing market price. The quality and price control system HITAS has been in force since 1978. The HITAS-system has been applied in all major developments both in inner city and suburban neighbourhoods. Housing Glossary (Finnish - English) Sijainti = location of property Kaupunginosa = neighbourhood/suburb Huoneiston kokoonpano: what the house / apartment consists of? I.e. This will be how many and what kinds of rooms (2 + k, kph = 2 room apartment plus kitchen plus washroom) Pinta-ala: Size of property in square metres . Asumisoikeusmaksu euroina: price in euro Asuntotyyppi: Accomodation type… Omakotitalo = House Kerrostalo = Apartment building Rivitalo = Rowhouse Paritalo = Semi detached Yhtiövastike euroina: it's the monthly maintenance fee you have to pay, if buying an house or appartment. Vesimaksu = water charge Parveke = Balcony Ikkunoiden suunnat = Direction windows face Keittiön varusteet = Kitchen features Kylpyhuoneen varusteet = Toilet/bathroom features Lattiapäällysteet: Floor material Parketti = Parquet wooden flooring Muovimatto = Vinyl flooring Yleiskunto = The condition that the apartment is in. Hissi = Elevator/lift Kerros = Floor/level Rakennusvuosi = Year the property was built. Valmistumisaika = When the apt is available for occupation Pysäköintitilat = Parking space Prepared by: Daive For more links to useful real estate resources please check [url=http://www.iesaf.fi/sauna/viewtopic.php?p=123#123:18m3ob5u]Links - Real Estate in Finland[/url:18m3ob5u] Links last checked 19.10.04 [size=75:18m3ob5u]Copyright 2003 - 2005 IESAF ry[/size:18m3ob5u]]]> 2004-10-19T15:58:26+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=329#p329 Links - Other Societies and Associations in Finland http://iesaf.fi/sauna/./viewtopic.php?p=187#p187 http://www.saunalahti.fi/ysl/ and more associations and societies can be found here http://www.makupalat.fi/muutto.htm Netherlands-Finland Association/Nederlandse Vereniging in Finland/ Alankomaalainen yhdistys Suomessa ry http://www.kolumbus.fi/nedver/ Finnish-South African Society/Suomi-Etelä Afrikka Seura ry http://www.nrl.fi/~s-afr/uusi.htm Finnish-Canadian Society/Suomi-Kanada Seura ry http://www.suomikanadaseura.fi/ Links list refreshed 16.10.04. [size=75:13pmo3dq]Copyright 2003 - 2005 IESAF ry[/size:13pmo3dq]

Statistics : Posted by BAT • on Fri 15 Oct, 2004 5:06 pm • Replies 0 • Views 2601

]]> http://www.saunalahti.fi/ysl/ and more associations and societies can be found here http://www.makupalat.fi/muutto.htm Netherlands-Finland Association/Nederlandse Vereniging in Finland/ Alankomaalainen yhdistys Suomessa ry http://www.kolumbus.fi/nedver/ Finnish-South African Society/Suomi-Etelä Afrikka Seura ry http://www.nrl.fi/~s-afr/uusi.htm Finnish-Canadian Society/Suomi-Kanada Seura ry http://www.suomikanadaseura.fi/ Links list refreshed 16.10.04. [size=75:13pmo3dq]Copyright 2003 - 2005 IESAF ry[/size:13pmo3dq]]]> 2004-10-15T18:06:31+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=187#p187 Links - Important Links for Foreigners http://iesaf.fi/sauna/./viewtopic.php?p=130#p130 http://www.caisa.hel.fi/ The Refugee Advice Centre http://www.pakolaisneuvonta.fi/ Directorate of Immigration http://www.uvi.fi/ Police http://www.poliisi.fi/ Population Register Centre http://www.vaestorekisterikeskus.fi/ Social Insurance Institution of Finland (KELA) http://www.kela.fi Finnish Centre For Pensions http://www.etk.fi/ Finnish Tax Administration http://www.vero.fi/ Tulli (Finnish Customs) http://www.tulli.fi/ Ministry of Labour http://www.mol.fi Portal for the Public Service Sector in Finland http://www.suomi.fi/ Parliament of Finland http://www.eduskunta.fi/ Consumer Agency and Ombudsmen http://www.kuluttajavirasto.fi/ Finlex - Finnish Legal Documents http://www.finlex.fi/ Finnish Government http://www.valtioneuvosto.fi/ Finnish National Road Administration http://www.tiehallinto.fi/ Finland's Environmental Administration http://www.ymparisto.fi/ National Board of Patents & Registration http://www.prh.fi/ European Network of Ombudsmen for Children http://www.ombudsnet.org/ The Association of Local and Regional Authorities http://www.kuntaliitto.fi Info for the city or town you live in - usually www.nameofplace.fi For example, http://www.espoo.fi , http://www.vantaa.fi , http://www.helsinki.fi etc. CIA - The World Factbook for Finland http://www.cia.gov/cia/publications/fac ... os/fi.html Institute of Migration http://www.migrationinstitute.fi Links list refreshed 25.10.04. [size=75:1h2ib70p]Copyright 2003 - 2005 IESAF ry[/size:1h2ib70p]

Statistics : Posted by BAT • on Thu 14 Oct, 2004 7:56 pm • Replies 0 • Views 2941

]]> http://www.caisa.hel.fi/ The Refugee Advice Centre http://www.pakolaisneuvonta.fi/ Directorate of Immigration http://www.uvi.fi/ Police http://www.poliisi.fi/ Population Register Centre http://www.vaestorekisterikeskus.fi/ Social Insurance Institution of Finland (KELA) http://www.kela.fi Finnish Centre For Pensions http://www.etk.fi/ Finnish Tax Administration http://www.vero.fi/ Tulli (Finnish Customs) http://www.tulli.fi/ Ministry of Labour http://www.mol.fi Portal for the Public Service Sector in Finland http://www.suomi.fi/ Parliament of Finland http://www.eduskunta.fi/ Consumer Agency and Ombudsmen http://www.kuluttajavirasto.fi/ Finlex - Finnish Legal Documents http://www.finlex.fi/ Finnish Government http://www.valtioneuvosto.fi/ Finnish National Road Administration http://www.tiehallinto.fi/ Finland's Environmental Administration http://www.ymparisto.fi/ National Board of Patents & Registration http://www.prh.fi/ European Network of Ombudsmen for Children http://www.ombudsnet.org/ The Association of Local and Regional Authorities http://www.kuntaliitto.fi Info for the city or town you live in - usually www.nameofplace.fi For example, http://www.espoo.fi , http://www.vantaa.fi , http://www.helsinki.fi etc. CIA - The World Factbook for Finland http://www.cia.gov/cia/publications/fac ... os/fi.html Institute of Migration http://www.migrationinstitute.fi Links list refreshed 25.10.04. [size=75:1h2ib70p]Copyright 2003 - 2005 IESAF ry[/size:1h2ib70p]]]> 2004-10-14T20:56:25+03:00 http://iesaf.fi/sauna/./viewtopic.php?p=130#p130 Click to jump to page… Page 1 of 3 • 1, 2, 3
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