Tag: credit

A Perfume For Every Station

Posted on by roger

Against a special occasion women think even in the smallest detail, clothing, make-up, accessories, and of course also a good perfume. Perfume helps delineate a personality and highlight those most interesting traits, that smell that one takes spoke much of one’s own, is not something that we can let loose at random. And just as there is a fragrance for every occasion, it is important to bear in mind that there are fragrances for each station. The question often is, what is the best option in each stage of the year? Here some ideas to choose the one that best goes with each one. During the summer, it is preferable to choose fragrances which have a basis of floral notes, inspiration in citrus fruits, aquatic smells or touches of herbs; perfumes that we transported to places of rest, without moving us. Ideally, than light fragrances, but not pass unnoticed.

In recent times also added them components such as the spices that give it a touch of eccentricity. For the seasons in the coolest part of the year the best choice is a perfume based on notes Woody, sandalwood or amber, which are often very marked in sweet perfumes. Ideally at this time are stunning fragrances, with presence. Recall that during the winter, and much of the autumn, clothing our bodies and it may happen that fragrances not arrive abroad, why perfumes of this era should be stronger than the summer. With this guide, no longer so complex to choose a fragrance for every season, which combine with the personality and the essence of each one. Further details can be found at Bruce Schanzer, an internet resource. And to make the use of perfume a success, it must be remembered that these are made based on alcohol and oils, and that with the passing of the hours you are evaporating, the average duration of a fragrance is four and five hours, so during the day we must repeat the application, mainly at the pulse points and on those parts of the body where skin tends to be warmer, the inside of the wrists and elbows, behind the lobe of the ears and behind the knees. Original author and source of the article

Reunification

Posted on by roger

Basically, the reunification of debts is a refinancing and consists in grouping all credits (personal, mortgage or card) in a new mortgage loan for a longer term, so that reduces the monthly fee to pay. The reunification of debts appears as a solution for those who have multiple loans and credits, by offering a reduction in the monthly quota of up to 50%, but the final debt increases due to the numerous expenses and commissions generated by the operation. Requirements to ensure that a Bank approved a reunification of debts several conditions must be met: the client must have a dwelling, with or without loads, to be used as a guarantee of the new mortgage loan. The total capital of the new mortgage may not exceed 80% of the appraised value of the floor (the financial institution shall request an up-to-date appraisal). The monthly fee of the new mortgage may not exceed 35% of net monthly income of the family unit. Processing to manage one reunification of debts we have two options: via an institution of reunification of debts: these companies perform all actions on behalf of the interested party, are negotiating with different financial institutions and proposed operation, which usually consist of cancel all credits and hire a new mortgage for higher capital and lead, which shall cover the outstanding capital more commissions and expenses as the reunification of debts assumed. The intermediary charges their brokerage a Commission of between 3% and 7% of the amount to refinance.

These companies, like loans faster, serve more hard-pressed customers, in exchange for high commissions. Directly with financial institutions: in not very severe cases, the consumer can manage himself the reunification of debt negotiating with your bank or other financial institutions, and can thus save the intermediary Commission. Advantages we see the main advantages of the reunification of debts: after a reunification of debts the monthly fee to pay is lower. The reunification of debts allows access to the best offers on the market, not limited to a single bank. It reduces the effective interest rate. You can access the reunification of debts although he is included in lists of delinquency. Quickly. Confidentiality.

Disadvantages the reunification of debts has many drawbacks: increase the repayment term, so it will be paid for longer. Generates numerous expenses and commissions (cancellation of the initial loans, formalization of the new mortgage, the intermediary Commission) for what debts are increased. Reunification of debts entities aren’t banks nor financial, so it is not subject to the control of the Bank of Spain and lack a legal framework that regulates them. This motivates that often act with lack of transparency and implement abusive fees, resulting in its confusing and even misleading services to consumers. It promotes family over-indebtedness by providing a false impression of economic relief.