Brorson | Svensk Porr

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By

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Born:

June 20, 1694
Denmark

... (Show more)

Died:

June 3, 1764 (aged 69)
Ribe
Denmark

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Hans Adolf Brorson , (born June 20, 1694, Randerup, Den.—died June 3, 1764, Ribe), Danish Pietist clergyman, the outstanding writer of hymns of his day, and translator of German Pietist hymns into Danish.
In 1732, while a pastor, Brorson started publishing hymns for his congregation in southern Jutland . His main work, Troens rare klenodie (1739; “The Rare Jewel of Faith”), contained many translations and 82 original hymns. This work had seven editions during Brorson’s lifetime. In 1741 he was elected bishop of Ribe , where he remained for the rest of his life. A second series of hymns, Svanesang (1765; “Swan Song”), was published after his death.

De fleste nordmenn har gjeld til noen i en eller annen form, enten det dreier seg om lån til bolig, lån til studier eller kanskje lån til bil. Mange har også flere typer lån, ettersom det er dyrt å eie, selv om man i stor grad tjener på å eie når man tenker i et lengre perspektiv. Men vet du egentlig mye om de forskjellige typer lån som finnes, og hvordan de fungerer? Her skal vi se på likheter og ulikheter mellom de ulike (mest vanlige) lånetypene som tilbys på det norske markedet.
Et boliglån er noe svært nordmenn vil måtte ha igjennom livet. I skrivende stund er renten på norske boliglån rekordlav, og den ligger på rundt 2-3% for de fleste lån. Sammenligner man dette med renten som var på 90-tallet, så lå den gjerne på rundt 15%! Det er en markant forskjell, som gjør at svært mange nå får tilgang til boligmarkedet og kan ta opp boliglån – som igjen har sørget for en vanvittig prisvekst det siste tiåret. Et boliglån er et sikret lån der man tar opp lånet med pant i boligen, som i praksis betyr at banken eier boligen din dersom du ikke betaler lånet ditt.
For boliglån gjelder spesielle regler og krav som ikke gjelder for andre typer lån i markedet. Blant annet så er man nødt til å stille med 15% av boligens salgssum i egenkapital. Dette er et lovfestet, som hindrer mange unge i å komme seg inn i et presset boligmarked. Men bankene er som regel velvillige til å gå rundt denne regelen forutsatt at du har kontroll på økonomien og inntekten din.
Et kredittkort er i motsetning til hva mange tror en form for lån. På mange måter er det eneste som skiller et kredittkort og et forbrukslån at du i førstnevnte tilfelle har et plastkort som gir deg tilgang til de lånte pengene umiddelbart, og at du ikke må søke om de når du trenger de. Følgelig er det mange som mener at kredittkort er det beste av disse to, men til gjengjeld må man ta til takke med en langt høyere rente. Norske kredittkort har dessuten massevis av fordeler og rabatter som man kan utnytte, med alt fra bonuser på drivstoff og varekjøp til reiseforsikring og lignende tilbud. Den viktigste fordelen kan sies å være avdragsfriheten, som gir deg rentefri nedbetaling på ca. 50 dager (avhengig av hvilket kort er det snakk om).
Vi anbefaler faktisk alle nordmenn å ha et kredittkort, selv om man kanskje ikke skal bruke det så mye. Dette fordi et kredittkort gir deg en unik sikkerhet dersom du skulle miste bankkortet, havne i en økonomisk krise eller av andre grunner skulle ha behov for litt ekstra penger på kort tid. Det er for sent å søke om et kredittkort når krisen har skjedd!
Skal man pusse opp, kjøpe seg ny (brukt)bil eller dra på en lengre ferie – men sliter med å spare penger – så kan et forbrukslån være en god løsning. Som navnet på lånet tilsier er dette et lån til forbruk, og hva er vel forbruk? Nettopp dette er en av de store fordelene med slike lån, at man kan bruke pengene på akkurat hva man vil. I motsetning til et boliglån vil det heller ikke være nødvendig å stille med sikkerhet for lånet, som betyr at du verken trenger å eie bolig/eiendom eller noe annet verdifullt for å søke om et slikt lån. Her er det din egen økonomi og en risikovurdering fra bankens side som avgjør om du får lån, og til hvilken rente du får låne.
Renten på et forbrukslån ligger typisk på rundt 15%, og den store forskjellen fra et boliglån ligger primært i det at man ikke stiller med sikkerhet for lånet. I tillegg så er de fleste norske forbrukslån på under 50 000 kroner, slik at den nevnte renten ikke vil utgjøre alt for mange kroner i måneden dersom man velger en passende nedbetalingstid. Et forbrukslån kan altså være en god løsning for deg som trenger litt ekstra å rutte med.
Skal du kjøpe deg ny bil, eller kanskje ny bruktbil? I begge tilfeller vil et billån være en gunstig løsning. Nå som rentenivået er såpass lavt som det er i Norge, så vil man kunne unne seg en ganske så bra bil uten at det behøver å koste skjorta. Typisk så ligger de beste billånene i dag på under 5% effektiv rente, noe som ikke utgjør alt for mange kroner i renter og gebyrer for en gjennomsnittlig bra bruktbil. Dette er helt klart den foretrukne typen lån når man skal kjøpe seg bruktbil, og vi anbefaler ikke at man putter billånet inn i boliglånet, ettersom man da trolig ikke vil betale ned nok på bilen for å følge dens verditap.
Billån tilbys av de fleste banker i landet. Skal man kjøpe den nye bilen fra en forhandler, så kan man gjerne sjekke hvilket tilbud man får der, ettersom forhandleravtalene ofte er bedre enn det man klarer å ordne privat på egen hånd. Husk å prioriter den dyreste gjelden først – slik at man betaler ned for eksempel et forbrukslån før et studielån eller et boliglån, eller et billån.
Brukskreditt skiller seg fra et forbrukslån i den grad at rentene ikke begynner å løpe før du har benyttet deg av pengene. Ved et forbrukslån så vil renter løpe allerede fra lånet er utbetalt, selv om pengene skulle bli stående et par måneder på konto før du får realisert planen din. Følgelig kan brukskreditt være mer lønnsomt dersom man skal bruke pengene i ulike bolker (for eksempel oppussing eller reise over lengre tid), ettersom man da kun blir belastet renter på det beløpet man har brukt til enhver tid.
Og i mange situasjoner vil man være avhengig av å ha pengene klare når det gjelder. Kanskje er man med i en budrunde på en bil eller båt, som man taper, men skal fortsette å lete etter et kjøpsobjekt. Da vil det helt klart være gunstig å ha pengene klare til neste gang, uten at man må stresse for å kjøpe fordi rentene løper løpsk imens.

8350 N Central Expressway #750
Dallas, TX 75206
Valarie Fratiani is a Certified Public Accountant and member for the AICPA, TSCPA, and Dallas Chapter of the TSCPA. Valarie graduated from the University of Texas at San Antonio in 1992 and later received a Master’s of Science in Accounting degree from the University of Texas at Dallas in 1999. Valarie started her public accounting career immediately after graduation in 1992 by earning a coveted position in the tax department of Deloitte & Touche, one of the elite Big 4 public accounting firms. During her tenure at Deloitte and Touche LLP, Valarie worked with a variety of clients, including several publicly traded corporations. She was also a part of the tax team for Taco Cabana’s Initial Public Offering (IPO).
After moving to Dallas in 1996, Valarie joined Goldin, Peiser, & Peiser, LLP as a Tax Manager. In addition to tax compliance services, Valarie specialized in representing clients before the IRS in various tax controversy matters such as Installment Agreements, Offers in Compromise, Bankruptcy Support, and Lien Releases. Valarie became an accomplished negotiator with the IRS during this time.
Valarie has been a part of the Brorson and Associates, PC team since 1999. She views her role as being an essential part of her client’s business team. In addition to providing comprehensive tax services, including compliance and planning, her clients rely on her experience and expertise for many integral decisions. Her client base includes high net-worth individuals and small to medium sized businesses in a wide variety of industries including real estate, finance, professional services, and oil and gas.
Valarie manages the staff CPAs and accountants, as well as preparing and reviewing tax returns. With both of her children now in college, Valarie has developed a keen interest in wine and vegan cuisine. She is an avid runner and passionate advocate for organ donation.
Wm. Lewis Thomas, Jr., a Certified Public Accountant and a Certified Valuation Analyst, is a member of the AICPA, TSCPA, Dallas Chapter of the TSCPA and the National Association of Certified Valuation Analysts. Lewis graduated from the University of Houston in 1971 in Communications, received his accounting education at the University of Texas at Austin in the mid 1970’s and received his Masters in 1994 from Texas A&M University-Texarkana in Business Administration.
Lewis worked four years for the Texas Comptroller of Public Accounts. He spent another four years as a Controller for a retail lighting business then a check verification company. Lewis entered public accounting in 1981 with Shelby, Rucksdashel and Jones, a regional accounting firm with a specialty in the savings and loan industry. Next, he was the Tax Partner of Holliday, Lemons, Thomas & Cox, a large local CPA firm in Texarkana, Texas for 13 years. Moving back to the Dallas area, Lewis joined Lane, Gorman, Trubitt, L.L.P. as a principal specializing in complex corporate tax matters. There, Lewis was awarded the Lane, Gorman, Trubitt Client Service Excellence Award. Lewis then spent a couple of years at Excel Communications as their Senior Manager of Tax Research and Planning before joining Brorson and Associates as a shareholder.
Over his career, Lewis has worked with a wide variety of businesses including financial institutions, real estate, telecommunications, wholesale and retail operations, oil & gas and professional services. He was worked with business both small and up to $1 billion in both revenues and assets. He has been successful in dealing with complex tax matters, mergers and acquisitions, and in a variety of business strategies.
David’s professional career took a rather circuitous route through local firms, a partnership and sole proprietorship to a position with Brorson & Associates, PLC where he has enjoyed the previous eight years as a Senior Tax Manager. During his career in public accounting, he has been exposed to a variety of experiences from general accounting, audit, tax compliance and planning to assistance with the sale of several successful businesses. His industry experience includes manufacturing, construction, retail, non-profit and professional services.
David is dedicated to assisting individuals and business entities achieve their goals and move forward to success. His position with the firm and the support it offers allows him to achieve a great balance between professional and personal life. He is grateful to have had the opportunity to serve in several capacities for religious and civic organizations throughout his career.
David and his wife Susan have three wonderful adult children that they admire greatly for success in their personal and professional lives. Their children have provided them with five wonderful grandchildren who continue to astonish with their life adventures. They enjoy travel, music, movies and reading.
David is a graduate of the University of Texas at Arlington with a Bachelor of Business Administration – Accounting.
Robert works primarily with closely held businesses and their owners with the objective of integrating their tax planning and compliance needs with all of their associated tax and financial related goals. This process works best when all of the client’s financial holdings are fully understood which allows for a clear and comprehensive strategy to be developed and communicated.
Typical business owners often can achieve their nonbusiness goals through the use of various estate planning strategies including charitable and grantor remainder unitrusts, intentionally defective grantor trusts, spousal lifetime access trusts and other multigenerational and estate planning techniques. Although the appropriate application of any strategy is important, Robert emphasizes communication with a clear client understanding as a way to help ensure that the strategy is not only logical but also practical for the client.
Prior to joining Brorson & Associates, Robert was a tax partner at a local mid-size Dallas CPA firm with a similar focus. Robert has an undergraduate engineering degree from Texas Tech University and an MBA from Tarleton State University.
Yandra was born and raised in San Juan, Puerto Rico. She is a fully bilingual (English and Spanish) Certified Public Accountant with PR and TX license. She graduated from the Interamerican University of Puerto Rico in 2005 with a Bachelor’s degree in Accounting and later completed a Masters of Taxation from Florida NovaSouthwestern University. She started her accounting and tax career at 16 years old working as an accounting clerk in her family tax practice working with a variety of small business owners in different industries. She moved to TX in 2015 and started working for Brorson & Associates in September 2016 as Senior Accountant. Her passion is building client relationships and helping small business owners grow and be successful. In her free time she likes spending time with her family, the beach, and travel.
An integral part of the Brorson team for nearly 24 years, Carol is a valuable resource to her clients and our team. Her roles include monthly bookkeeping, payroll tax preparation, sales tax preparation, financial statement compilation, and QuickBooks consulting. In her spare time, Carol enjoys spending time with her grandchildren.
Sue began her career with Brorson in 1988 and is our most tenured employee. She has proudly provided generations of clients with a wide range of services including accounting, income, payroll and sales tax preparation, financial statement compilation, and QuickBooks consulting. Sue’s pastimes include spending time with family and her beloved pets.
Martha was born and raised in Abilene, Texas. She attended college at Cisco Junior college, McMurry University, and graduated from Angelo State University in 2010 with a BBA in Accounting and a minor in Professional Business Writing. She then continued her education at the University of Houston Clearlake and the University of Houston Downtown. She moved to the DFW area in 2018 to work for Brorson and Associates. She is a Quickbooks Pro Advisor and is currently studying to be a CPA. Her areas of expertise are payroll, Texas and Federal payroll reports, bookkeeping and financial accounting, Texas sales tax, Texas liquor and malt beverage tax, and has over 10 years of experience preparing all types of federal tax returns.
Josh is the Office and Client Relations Manager and has been with the firm since 2016. Josh works as the firm liaison and interacts regularly with clients and other team members. He also oversees office administration and procedures in order to ensure organizational effectiveness and productivity.
Josh’s extensive career in restaurant management prepared him for the fast-paced and dynamic environment at Brorson. In his spare time Josh likes to spend time with his wife and four kids and is passionate about books and movies and considers himself an expert on all things from Star Wars to Stephen King and everything in between.
Lety has the responsibility of ensuring all tax returns are filed with the Internal Revenue Service. She joined Brorson in 2015 after a banking career. Lety is bi-lin
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