Shimmer Like Gold

Types of credit cards

We’ll tell you about the different types of credit cards that exist, along with their main characteristics


With the Después credit card you can pay for your purchases over time and make use of over 6,000 ATMsRequest information

When speaking of different types of bank cards, there may be confusion about what is and what isn’t a credit card. In short, a credit card is any card that enables you to use credit. This means that if you own one of these types of cards, you can make payments or get money–up to a certain limit–without needing to have the funds in your bank account at that exact time. That is the main difference between credit and debit cards. As such, you can make purchases and get services on the spot with the benefit of deferring payment.

There are different types of credit cards based on repayment methods, card issuers, and different benefits and features. Check out which cards are the most common ones on the market.

Credit card by payment


Credit card by payment

A credit card’s main feature is payment facilitation, making money available in advance so the customer can defer repayment. There are two different ways of repaying the credit used:

  • Credit card: the customer repays the money the following month and does not pay any kind of interest on the available credit but does pay interest on cash withdrawals. Typically, repayment must take place within the first 5 days of the following month. There is also the option of deferring payment (with interest).
  • Revolving or partial-payment card: with this type of credit card, payment is deferred for all purchases (with interest). The customer can choose how to repay the funds: as a percentage of the balance or by paying a fixed monthly fee. In both cases, deferment interest is included.

The Despúes card is BBVA’s credit card: pay for your purchases over time and make use of more than 6,000 ATMs: more information

Credit card by card issuer

Even though all credit cards are linked to a bank, not all are issued by banks.

  • Universal credit cards: cards issued by banks themselves which operate under the VISA or Mastercard brand and can be used in all establishments that support the brand.
  • Personal credit cards: cards issued by a financial institution that can only be used in a limited network of establishments.
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Financing, number of animals received and overload of work are the great challenges of the protectors in Spain


At the end of last week, a new study was published on companion animals in Spain that aims to be long-haul. Its creator is the store chain TiendaAnimal and thus explain the effort of carrying it out:

Given the social role that pets have adopted today in Spain and before the lack of data referring to how Spaniards relate to our pets, the need arose to organize an investigation about it whose result has been collected in what has been called Annual Study on Pets in Spain , which will be held annually and now presents its first edition.

The initiative is appreciated. It is true that there are not too many reports made with a reliable methodology and sampling that reflect the different aspects related to coexistence with animals and animal protection.

In fact, in that last section we only have the veteran study carried out annually with Affinity Foundation professionalism.

He said that the initiative is appreciated, I hope that it will be maintained year after year and that it will gain in richness and depth , because it is a pity that the sampling is small, since the report is well presented.

The data has been obtained through a questionnaire sent to Tiendanimal contacts (this is already a statistical bias, random calls would be a more reliable representation). Have participated:
• Individuals (2,290 answers obtained)
• Protectors (27 responses obtained)
• Professionals (25 answers obtained)

In the section on responses from individuals , we talk about hygiene treatments, food, number of walks, if you put clothes, budget … It is curious that 85% of the individuals who answered all these questions are women .

Of all this extensive section I am left with the data of how the animals came to the home: those adopted and picked up the street seem to be the majority. But there is a high number of purchases from individuals, stores, gifts or to raise with those who already had, which are open doors to increase the existing problems of abandonment and that there are thousands of animals without future kennels and shelters .

Change the presentation of results so that the percentages are clean, although it is necessary to facilitate several tables, I think it would help to better reflect the origin of our animals.

But I think the section of protectors seems more relevant. They have answered 27 protective entities and that yes it seems to me more representative, although I miss knowing which ones.

Financing, number of animals received, overload of work and adaptation of the facilities are, in that order and very even, the main problems (perhaps we should call challenges) of the Spanish protection.

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Numbers of the monthly maintenance of each animal are also provided.

There will be who you think it is, but keep in mind that in addition to food, any animal that enters a protective must be passed by the veterinarian to check, vaccinate, deworming, often chipar and sterilize. Sometimes also attend to your injuries or illnesses. And maintaining the facilities also has an expense that the truth is that I do not know if it has also been passed on.

Where does that money come from? Almost always of the contributions of the members of the associations of the protectors and of the partners and private donations.

And although it should be a responsibility of the public administrations, there are hardly any funds left from there. Every time I have more clear that the protectors, which are private entities, are solving a ballot that would correspond to everyone

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Regarding whether more dogs or cats are abandoned, there is not much consensus, although it seems to point to dogs. For this answer it would be good to know which entities have answered, because my impression is that the abandonments of cats are much more invisible.

That erroneous belief that they handle themselves is partly to blame for many domestic cats being seen on the street. And an abandoned dog calls much more attention than a cat in the same situation.

In what there is a clear majority, which coincides with what I have spoken with protectors over the past few years, is that the adoption of dogs is higher than that of cats.

I propose from here to the authors of the study to ask in the future about adoptions of adult animals and puppies separately, because the adoption of adult cats is very difficult. There are hardly any people willing to open their home to a cat that is no longer a puppy.

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Victoria, the first British queen to document her life in photos

Victoria, the first British queen to document her life in photos

Queen Victoria photographed in a modest shawl with four of her children in February 1854 Roger Fenton – Royal Collection Trust / © Her Majesty Queen Elizabeth II 2013

The first time Victoria of the United Kingdom (1819-1901) saw herself in a photograph came out with her eyes closed . After seeing her husband (Alberto de Sajonia-Coburg-Gotha) portrayed on several occasions, he had overcome his reluctance to pose before the camera and when it was decided (in 1852, at 33) the displeasure was huge. Described in the queen’s diary as “horrifying”, the image was so unbearable that she scratched her face from the daguerreotype and only her children remained around the headless mother figure.

The photograph had become popular when only the monarch was 20 years old and had two on the throne, at the beginning of 1839. Both she and the king regent showed interest in the invention from the beginning increasing the popularity of the photos and in 1842 they started a collection of family images and taken by the first photographers. Victoria was the first British monarch to document her life photographically and those images now represent the technical progress of an era and the evolution in the relationship of the royal family with the camera.

A Royal Passion: Queen Victoria and Photography ( a real passion: Queen Victoria and photography ) -the Getty Museum in Los Angeles (USA) until June 8 – presents the long experience that the British monarch had with the then new medium. With representative loans from the Royal Collection of Isabel II of England and selected pieces from the museum’s collection, the exhibition presents little-seen daguerreotypes, private portraits of the royal family and a selection of copies of the first masters of photography among those who are Julia Margaret Cameron, William Henry Fox Talbot and Roger Fenton.

Evenings composing family albums

William Constable (1783-1861), of humble origin and much in demand for knowing how to make the model feel comfortable, was the author of the first real portrait when he immortalized Alberto. The sample includes this image in addition to the failed family photo that so distressed the queen – taken by William Edward Kilburn – and another for which he posed two days later also with Kilburn behind the camera, this time betting on a profile .

He commissioned a special bracelet of scapulars with portraits of the grandchildren. The kings collected, organized and framed photos of them and their nine children. Many afternoons they worked together to compose albums of images of their trips and of posadas and even Victoria ordered to make years later a special bracelet (also exhibited in the sample) with scapulars to take the portraits of their grandchildren.

A connection with the town

As the environment evolved, so did the pose. From the tension of the first sessions it happened to be shown with the security of a sovereign. It happened quickly: in an amazing 1854 photo taken by Roger Fenton she poses with four of her children wrapped in a plaid shawl that has little luxury, exhibiting a homely and intimate facet but still transmitting its power.

In a surprising photo, she poses wrapped in a Scottish shawl that has little luxury. As a connection between the people and the monarchy, the public photos served the monarch to strengthen her popularity and, after Alberto died in 1861, to make up for her absence from life. public for a deep personal grieving that kept the rest of his life. The portraits of the widow reflected the mourning of Victoria and later the image of a powerful queen who celebrated her diamond jubilee in 1897.

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Why is occupational disability insurance so important to students?

Especially in the fall, the wrong parking for motorists can be expensive. Not only falling branches are a danger, even chestnuts are currently causing damage on many car roofs. Already in the last year many cars were affected by one of the many autumn storms. How is the car secured in such cases?

Parking under trees especially in the autumn dangerous

Parking under trees especially in the autumn dangerous

There are probably nothing more annoying for motorists in the fall than to go to the car in the morning and find countless dents on the car roof . A look up reveals the culprit: chestnuts . The evening before, it was a pleasure to quickly find a free parking space. But this joy passes quickly. Instead, drivers ask: who pays me the damage caused by the chestnuts? Can the owner of the chestnut tree – for example the landowner or the city – be blamed for the dents?

Judgments confirm: Car drivers responsible for chestnut damage

Court rulings such as that of the Higher Regional Court of Hamm (Az. 9 U 219/08) quickly take away any hope for victims. Unlike rotten branches that have crashed into the vehicle, the owners of the trees can not be held responsible for the fact that falling chestnuts cause damage to the car. The judges call this danger “general life risk” . Likewise, municipalities do not have to put up any warning signs to point out the danger, according to a ruling by the Aachen Regional Court (Ref. 4 O 350/02). Finally, vehicle owners can tell if a chestnut, oak or walnut tree bears many fruits. Damages by such are therefore self-inflicted .


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Damage caused by chestnuts on the car: Does the car insurance help?

The motor insurance usually does not compensate for damage caused by chestnuts . The comprehensive insurance only pays if it is an unforeseen and sudden event, informs the Gesamtverband der Deutschen Versicherungswirtschaft. Insured persons can only rely on the partial comprehensive insurance if the chestnuts have rained down on the car due to a storm . It must prevail at least wind force 8, so that the insurance einspringt.

Tip: The change of car insurance is now possible. You want to improve the protection of your car insurance? Find a suitable offer with the free rate calculator. As a rule, you can cancel your old contract until 30.11. cancel and switch to the new insurer.

Falling branches and flooding: How is the car insured against storm damage?

In general, insured persons of a car insurance can turn to their partial comprehensive insurance in case of storm or storm damages, thus also for example, if the car was damaged by flood. On the full insurance is in case of damage caused by storm and hurricane, it sometimes pays even at lower wind speeds. However, those who only have liability insurance for their car will be left with the costs . The only exception: If the damage was caused by falling branches or roof tiles, for example, it is possible to claim damages from the landlord or homeowner. If the latter does not fulfill the so-called traffic safety obligation , he must be liable for the damage.

However, proving that, for example, the bricks on the roof before the storm were loose or trees rotten is not always easy and may involve additional costs, such as for experts and lawyers.

Here you can find tips and more information about car insurance.
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“Credit is a human right”

Banking and ethics seem two very contradictory terms to go together. However, credit union projects have emerged whose interests can not be more contrary to those of traditional banks.

For some time now, people have spoken to me about Fiare as an ethical and cooperative bank that cares about people. According to his project, Fiare are two things: A network of people and organizations that want to create alternatives within the financial market to build an economy with other values, at the service of a more just society. And it is also a company that operates in Spain as an agent of Banca Popolare Etica, an Italian credit cooperative.

Photograph of the Fiare website

As a bank, it offers all kinds of products and services, without losing its characteristics of non-profit , cooperative democracy and construction from the bottom up. All this without losing its status as a supervised entity, attached to a Deposit Guarantee Fund in the European Union.

The most important thing for them is their social base, divided into different territorial associations that expand the ethical banking project and organize the activities of those who have participation in the social capital.

As of October 30, 2013, the capital stock raised amounted to 4,461,389 euros, disbursed by 4,535 individuals and legal entities. Fiare f inancia projects that have a positive social impact and grants two types of loans: personal and mortgage.

They consider credit as a human right and its members make decisions about the destination of their savings, about their credit applications or their investments with responsibility, based on reliable and sufficient information.


  1. >

    “They consider credit as a human right and its members make decisions about the destination of their savings, about their credit applications or their investments with responsibility, based on reliable and sufficient information.”

    That is supposed to be a bank. What happens is that people fail and are wrong or even have selfish attitudes. That phrase sounds great and I hope this project goes ahead, because it seems interesting, but that phrase is just an idea. The key is: how to make “decisions about the destination of your savings, about your credit applications or your investments with responsibility, based on reliable and sufficient information”. Especially the final part of the information. I think it’s a toast to the sun.

    13 December 2013 | 09:19

  2. >

    It seems to me a great idea, but let’s not forget that the savings banks were created with the same objective and that it was the greed of the managers (handpicked by the political parties) that made them the predators they are. Trying to earn more and more money at the expense of the client.

    We also have the healthy consistency of allowing these tiparracos get away with it and remain free (a shame the guillotines catching dust) when we are the rest of contributors who provide more and more capital so that these boxes do not sink.

    13 December 2013 | 09:23

  3. >

    I have been searching for alternative banking models for a while to get out of Bankia and leave them with their scams, their scams and their lack of ethics and professionalism.
    I think Fiare is a better model than what we currently have, although I think I should take it a step further.
    Initially, although it will soon be able to start providing the services that any consumer requires from a financial institution (direct debit, payroll, cards, etc.), their business is directed, if I am not mistaken, towards cooperatives and companies that have a positive social impact ( perform an ethical evaluation, in addition to the economic one).
    And above all, any saver can see where his money has gone and who has received credits (and for what).
    But, I think that the interests that it charges (although they are defined as “non-profit”) seem high to me, although they are lower than those of traditional mass destruction banks.
    Anyway, it seems a very good alternative to have my money and as soon as it is fully operational I will consider it as a good alternative.

    13 December 2013 | 10:17

  4. >

    Man @Victor should be like that, right?
    Let’s first see ethics and good repute. If I treat you honestly, I give you the necessary information for your efforts and complement your decisions with my knowledge of the system. It is normal for you as a client to come back and bring more clients.

    But since banks are a monopoly (is it possible to live without them?) It is easier for them to corrupt themselves.

    For this there are laws.
    That lias and cheats your customers: Jail.
    That the deception is so huge that the entire country has to cover your scams: Punishment for BETRAYAL to the state (life imprisonment or capital punishment).

    And only with those two laws (and just judges) would it be enough for this not to happen again.

    13 December 2013 | 11:10

  5. >

    A round of applause for Brisha, you can say shouting but no more clear and more accurate, just clarify that in the savings banks let go politicians …

    13 December 2013 | 11:18

  6. >

    Amen Brisha, you said it, with a guillotine penalty catching dust and with how easy it would be, to solve certain asuntejos quickly and effectively. Pim pam pigs outside.
    If there were more people thinking that way, they would dare to demonstrate and mobilize seriously, another rooster would sing to us.
    Let me know that I wear the first one and I have a list of susceptibles to go through the scaffold. I have plenty of names and we were going to lack time, among those who are living at my expense and yours, those who are going on paid vacations (Parot lottery) and those who would not enter because they would first walk through the slaughterhouse , we were going to be like God and the Holy Virgin. Amen again.

    13 December 2013 | 15:26

  7. >

    The Government will approve this Friday (as published this Monday Cinco Días and Voz Pópuli) an endorsement that will guarantee Spanish financial institutions the collection of the so-called deferred tax assets (DTA, for its acronym in English). It is another rescue – another one from the State to the bank; in this case for an amount of 30,000 million euros, which only time will tell whether the taxpayer has to pay or not.

    Deferred tax assets in the main financial entities

    What are DTAs? As explained by the International Monetary Fund (IMF) itself in its last review report to the Spanish financial system, it is a type of “low quality” asset that banks have written on their balance sheet after having suffered losses. It is smooth and basically a legal tool that has allowed them to reduce the tax burden for the future, but for that they have to achieve benefits in that horizon. In total, Spanish financial institutions accumulate more than 70,000 million DTA in their balance sheets, for which they would need between 100,000 and 130,000 million profits in the coming years (it does not seem easy).

    The problem is that the old banking solvency regulation (known as Basel II), allowed these DTAs to be counted within the so-called regulatory capital, that is, the one that is the minimum required for an entity to be considered viable. But this is ending: The new and imminent banking regulation (Basel III) will not allow these deferred tax assets to be targeted as first quality capital (the one that is more liquid, the one that first absorbs the losses) unless we can guarantee that are effectively liquid assets and executable when necessary. This is where the public ransom comes into play.

    The Government, after massive pressure from the banking lobby, has given way and has chosen to guarantee the collection of these fiscal assets. The guaranteed total will amount to 30,000 million (I was short, published 25,000 million a few weeks ago) and will involve a disguised recapitalization of some 50,000 million for financial institutions that, in theory, were healthy. And as the IMF report shows, for banks like Sabadell and Bankia the DTAs represent more than 60% of their principal capital (the solvency of these entities depended mostly on the generation of future and unearned tax rights!) , and between 15% and 30% for the other three large ones: Santander, Caixabank and BBVA.

    That is to say, that without this rescue through an explicit endorsement of the deferred tax assets, the Spanish banking system would be, as a whole, in a situation of insolvency practice. It is easy to understand why the pressure exerted by the entities on the Government in recent times.

    Follow @nicolasmsarries

    13 December 2013 | 22:04

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Un hogar con mucho oficio tag ahogamientos

A home with a lot of trade

The other day a news left me frozen: drownings are the cause of 8% of infant deaths in summer. Pools, rivers, lakes and beaches are now becoming the most desired playground for children, but they hide important dangers for their safety and health that require our more rigorous and responsible supervision.

There are many things you can do to breathe easier when you see your offspring splashing. Take note and even the beach watchers will take you more seriously:


1. To avoid drowning, swimming. The Spanish Association of Pediatrics of Primary Attention (AEPap) recommends teaching children to swim from 4 years to reduce the danger. But beware, this does not replace the continuous monitoring of the child in the water in any case.

2. Hygienic awareness against diseases. Do not swim in closed waters when you suffer from some type of disease that you can transmit or that causes you an indisposition : germs spread more easily in this environment.

3. Leave everything out before diving. And we mean u na good shower to remove sweat, dirt and any element that does not want to contribute to your bath water for all.

4. Pause going to the bathroom every hour, and wash your hands and face often.

5. How good it is to drink 2 liters of water a day! But not from the pool.

# 6 Protect the skin and eyes of the Sun as if they were your greatest treasure. The first years of life are especially sensitive to excessive exposure to UV radiation: “Using an adequate sunscreen during the first 18 years of life can reduce the risk of skin cancer in adulthood by up to 78%.”

7. And if you take food to the beach or pool, better fresh and do not deteriorate in the heat with the ease of, for example, eggs.

8. Check that things are done well. Chlorine needs to be renewed twice a day: do they do it in your community?

9. Do you know if the lifeguard of the pool has the proper training? And no, we are not thinking about her . Okay, yes.


There is a tenth tip that I call the boomerang effect : if you practice and share these 9 rules, you will enjoy your effects twice, since a collective conscience about water and safety interests us all to avoid diseases and risks of any kind.

What is your way of taking care of the little ones in their aquatic moments? Do you have tips or tricks to share with other readers?


Update: As our friend and fellow blogger Madre Reciente told us on Twitter , “it is just as important to teach children to swim as they do in the car in their safety seat”. And another very interesting entry in his blog that I also invite you to read: “At what age do children go swimming?”.


Today we pay attention to a very important danger that occurs every summer: swimming pools, rivers, beaches and lakes receive thousands of children eager to enjoy their waters, but there are very important risks such as drowning, infection, sunburn, burns, indigestion , dehydration ... here are some tips to minimize the risks in your pool. ADVERTISING: If you do not want to mess up the next time you have an emergency at home, take this gift for our blog readers:

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Welcome to Reparalia, enjoy the tranquility!


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Differences between a retirement plan and a pension plan


In principle a retirement plan may seem the same as a pension plan, because both are a complement to the pension, and both will allow us to live the retirement with more relief.

But in reality they are two different products , with different characteristics and ways of working .

– By its nature: A retirement plan is actually an insurance, and in fact is managed through insurance companies. In contrast, a pension plan is a financial savings product in which we make contributions that we can rescue at the time of retirement.

– For the rescue: The rescue is different: in the case of the retirement plan, this can be rescued at any time, provided that we meet the conditions we have agreed. If not, a penalty would be paid. For its part, the pension plan can only be redeemed at the time of retirement, except in some exceptional cases in which it could be redeemed earlier .

– Due to the profitability / risk ratio: As it is not a financial product, the profitability of the retirement plan is not as high as that of the pension plan. In this aspect, a plan is more attractive, but being a financial product that depends to a large extent on the progress of the markets, it also entails greater risk, especially in variable income plans.

Find the pension plan that best suits your savings needs: access the BBVA catalog

Find the pension plan that best suits your savings needs: access the BBVA catalog

– Taxation: deduction in the Income Tax Return. Unlike the pension plan, the retirement plan is not deductible. But although it does not deduct, by redeeming the retirement plan we will only pay for the interests that the plan has generated (those that we have previously paid in installments).

Retirement plan or pension plan? And why do not you ask us? If you have more questions or want to deepen, do not hesitate to contact us ; at BBVA we will be happy to advise you.


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Monet and Boudin: disciple and teacher meet at Thyssen

Claude Monet. Brazo del Sena cerca de Vétheuil, 1878

Claude Monet. Arm of the Seine near Vétheuil, 1878 (Arm of the Seine near Vétheuil). Oil on canvas. 60×80 cm Pérez Simón Collection, Mexico. Photograph by Arturo Piera. CLAUDE MONET

It was the year 1920 when Claude Monet (Paris, 1840 – Giverny, 1926) recognized his biographer Gustave Geffroy: “I have said it and I repeat it: I owe everything to Boudin” . The relationship between both artists had arisen fortuitously in 1856 in the Gravier stationery in Le Havre. Monet was barely 16 years old but Boudin appreciated his incipient talent as a cartoonist and encouraged him to broaden his scope by studying and painting at his side.

Eugène Boudin (Honfleur, 1824 – Deauville, 1898) was, on the other hand, one of the most outstanding representatives of the French open-air painting of the mid-nineteenth century and a self-taught artist who had learned by copying the Dutch masters 17th century.

Although Monet’s family did not approve of this relationship (because Boudin came from a low social class), finally student and teacher met, initiating a relationship that would last for life (albeit with some ups and downs) and giving the opportunity to Monet to start painting landscapes in plein air and capture in a unique way the brightness of the day. It could be said that, in a certain way, Boudin is a precursor of impressionism , since he would be able to inculcate to his disciple many of the secrets that would lay the foundations and take this movement to the highest levels.


To better understand this relationship, the Thyssen Museum has just opened Monet / Boudin , a monographic exhibition that offers, for the first time, the opportunity to discover not only the great influence that Boudin played in learning Monet but also reviews their respective careers and the origins of impressionism.

The exhibition, which can be visited until September 30, brings together a hundred works by both authors, of which “between 75 and 80 percent had never been seen in Spain,” says the curator of the same Juan Ángel López-Manzanares, since “Boudin is very little known in Spain”.

A juicy and valuable selection, since Monet “is one of the most desired figures by all the museums in the world,” says the artistic director of the museum Guillermo Solana, with loans from well-known art galleries such as the Musée d’Orsay de Paris, the National Gallery of London, the Metropolitan of New York or the National Museum of Belas Artes of Rio de Janeiro.

Throughout a chronological and thematic tour divided into eight chapters , the exhibition delves into those common points and artistic interests that kept them together for decades: the seascapes (Boudin was, in fact, the son of a sailor), the beach scenes in Trouville with its harbor and the docks, the views of the cliffs of Normandy and the Brittany coasts, the influence of luminosity of the Mediterranean, the studies of the sky in pastel (Monet came to perform more than a hundred throughout his career that helped him to rehearse the variations of light and color) or the variations (also called series) on a single motif in different environmental and lighting conditions.

In gratitude to everything learned at his side, Monet would invite his teacher in 1874 to participate in the first impressionist exhibition . The relationship would cool down by the end of that decade but both would always retain mutual admiration. After the death of Boudin in 1898, Monet would be part of the committee that organized his great posthumous exhibition. I would always appreciate being the first to recognize his talent.

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The most requested personal loans in 2016 have been earmarked for reforms

The most requested personal loans in 2016 have been earmarked for reforms

When we decide to apply for personal loans , we can do it for several reasons. In the first place to have an extra money because we are in a delicate economic time or to allocate the capital to a specific project such as buying a vehicle, carrying out a reform at home, refinancing debts or paying for studies, among others. However, according to the Personal Loan Barometer prepared by BigBank, 50.9% of the loans granted by that entity were destined to carry out a reform , followed by the 18.6% that decided to request them to buy a new car.

The best credits to carry out a reform

The best credits to carry out a reform

In the current market we have a great variety of personal loans that we can use to carry out a reform in our home. Probably, the first option that comes to mind is to go to our bank, because they have our data, they know our profile and, therefore, we think that they will grant us a good financing.

However, many personal bank loans usually include opening or study fees and the hiring of linked products that will increase the price considerably. For this reason, in the following table we show 3 consumer credits that are free of these charges and, furthermore, have interests below the average published by the Bank of Spain:

Entity Amount TAE characteristics I’m interested
ING Orange Loan € 60,000 From 6,11% APR
  • It has no commissions
  • Without link
  • Immediate pre-approval
Apply for
Cofidis Project Credit € 15,000 From 5.06% APR
  • Does not include commissions
  • No linked products
  • In 24 hours after approval
Apply for
Personal loan from Cetelem € 50,000 From 7,18% APR
  • No commissions
  • Does not require linking
  • Money in 48 hours
Apply for

As we can see, the full cost of these products appears directly in the variable TAE. In fact, the entities that market them will allow us to use the online simulators of their web pages without any cost or commitment.

Thanks to these tools, we will be able to know the monthly cost that we will pay for personal loans and how much will be the final amount. For this, we will only have to select the amount of money we need and the term in which we will return it. The simulator will automatically calculate the price of the credit 

Main purposes for which the loans are used

As we have already mentioned, personal loans can be requested for a large number of purposes. In fact, depending on the one we choose, the product conditions may vary and we will benefit more or less.

Next, we explain what are some of the main purposes for which personal credits are requested :

  1. Reforming the home : as we have said, it is usually one of the main purposes for which loans are requested.
  2. Buy a vehicle : the price of a new car is usually quite high, so a loan can be very useful to deal with it.
  3. To finance some studies : the economic level of the students is not usually very high, reason why the credits can be of great help in these cases. In addition, they tend to have lower interest rates and can request grace periods.
  4. Debt reunification : if we are in a situation where we have several outstanding debts, we can use personal loans to unite them and have a single monthly payment.

These are usually the main ones, but loans are also requested for medical needs that are not covered by social security, to face taxes, etc.

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Construction Difficult Money Funding For Agents

So let’s take a look at a typical student debt to assist example. Let’s say your personal credit card debt costs you 7. 9% APR, while your education loan costs perhaps 3% APRIL.

Not so much, perhaps, with the girl first putt, which emerged up short. Sperandio after that chipped to within regarding 15 feet and steadily split the center of the glass with her par putt. Kuong made her putt and remained one-up.

Know your banks. Almost all banks have money plus make loans but not to any or all comers. Some banks are usually retail or consumer banking institutions and some banks are centered on commercial lending. Some banks tend to be more aggressive than others and several banks specialize in specific industrial sectors. Find the banks that are thinking about businesses like you and go after relationships with them.

Stepping outside of the office offers additional opportunities for creating offs. Every time you get inside your car and drive to some home, condo, commercial estate loan real small great deal or any other work-related location, you are covering miles that could be written off. Keep track of the particular odometer. The miles from your home to homeowners or even a seller’s will add up rapidly: Texas is a big condition; Austin is a big town. You’ll be surprised how much you are able to deduct come tax time.

I’ve been in real-estate for nearly a decade and have already been involved in hundreds of transactions. All through this time I have never noticed a four-line stability sheet. On the flipping displays, you see four items: Price, Budget (Repairs), Total Expense, and Sales Price. The particular investor buys a house, will get a repair budget, can make improvements, and sale sit down for a profit. This gives the particular false impression that real estate investing requires no financial planning, simply simple adding and subtracting. When in fact, there are countless cost expenses you need to consider prior to making a real estate investment loans. Purchasing real estate short-term makes the offer that much more speculative every expense should be looked at having a microscope.

Someone at the lender’s workplace now gathers up each one of these reports from you and the lender’s own experts and transmits a package to the lender’s underwriting unit. That’s where they will decide whether to do your own deal or not.

Of all of the options, when you have to choose in between repaying credit card debt or an education loan, it’s usually cheapest and almost usually safest to focus on repaying your own credit card debt first.

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