We are about to celebrate Valentine’s day: February 14 is Valentine’s day. And although your partner deserves gifts every day of the year, this day is a good excuse to give something and get a smile. Let us not delude ourselves: the traditional gifts of flowers and chocolates, are old-fashioned. Eliza Orlins describes an additional similar source. It must make an effort and think of original gifts. A way to be original to making a gift is to create personalized gifts with your own photos. In this way you make sure that, at least, the gift will be totally unique and intimate, since you can put a photograph which is special for the two and integrate it into the gift. There are a lot of different options: Tales personalized with the couple in love as protagonists; custom snow balls (those that you turn around and falling snow on the image) with your photo on the inside; and other gifts of all kinds: cups, polar blankets, cushions, stuffed toys, mouse pads, t-shirts of all! In summary, be original, a personalized gift is the romantic and original form of surprise to your enamorad @.

To construct good blog, is not to enter blogger and creating one. The majority of the failures is in not knowing exactly which is the final mission that is persecuted. Many think that with creating blog with Google and placing it in the finders already it is all the work done, and forget all type details, among others that blog must be focused to the reading and to obtain that reader is faithful and returns. Therefore to create blog is a work more complicated than all that and entails a series of norms that never we must forget like the certainty and the dedication. US Senator from Vermont addresses the importance of the matter here. To define the objectives of ours clearly blog, would have of being the first work to raise to us and before to even create nothing, we could take to a notebook and a ball-point pen and write all those things that happen through our head. This way we will be able better to focus as they are the ideas that we have and to be organizing them little by little. On the case of this blog, the idea bases was to construct something related to making money with blog, as its own name indicates, basically dedicated to make money with programs of affiliates, marketing, platforms and everything what it had relation with these subjects. When I began to create the idea, the truth is that he was not nothing clear among others things because the subjects that treat here are diverse and although they have relation with others, are very extensive and arrived at a certain point it went away complicando in such a way that there was to identify by categories all the subjects that it deals with. On the other hand, I have a very great fan of possibilities of creating diverse subjects and when I do not write of one I write of another one, so for me he is funnier of that way. First that I did it was to define the subject as already I said previously, to make money with blog, the second step it was to write the idea in a paper and to define the possible categories that could include, as they were I went many it limiting a few generals and later little by little I include diverse subjects in each of them. Aid for your blog first steps Original author and source of the article.

The sector, however, does not enjoy good health. Up to August, sales of homes in Spain had chained 17 months of falls, but in September there were 25.985 operations, 0.9% more compared with the same month of 2011. A change of cycle not being, however,: is that in 2013 disappears the deduction for purchase of principal residence. Negotiation or refinancing you can defer mortgage payments to add to the outstanding loan amount or postpone until the end of the operation a percentage of the capital (BBVA has implemented it); also lengthen the payback period without that this generates interests; or grant credits bridge, at a more affordable cost, families in conditions of family insolvency, as proposed by Adicae. The Popular Bank claims that it has renegotiated a reasonable volume of mortgage loans, about 2,800, and other 1,200 in concept of novation in recent years. Dation in payment supposed to deliver housing to pay off the mortgage debt with the Bank when there is a consolidated arrears, but without recovering already amortized.

It is something negotiable, although it is not compulsory nor is provided for in the law; He also had a voluntary code of good practice s approved by the Government a few months ago. Banking is not the work, though entities such as Bankia have revealed that they have accepted the delivery of the House at 4,300 times between 2011 and 2012. The Ombudsman proposed that the dation in payment was accepted, for example, in cases of irresponsible granting of credit. In other legal systems, insists, is released from the debtor of responsibilities delivered once the House, but in Spain not; In addition, the user responds with all its present and future assets if there is still an outstanding debt with the Bank. When you opt for the embargo without admitting the dation in payment, families are still bearing mortgage debt after running out of House.

United Kingdom. The process for evicting a person can be long and fraught with appeals by both parties. The credit institution is obliged to sell the property at the best price, but if the sale does not cover funds they must raise, will happen then the difference of the debt to the to the mortgage. If the person can’t pay what you owe, you can always declare bankruptcy. Ireland. The majority of mortgaged housing evictions occur on a voluntary basis, according to data from the Irish Central Bank (ICB). Day today, the Bank and the mortgage deals with this issue through the so-called process of resolution of mortgage debt (MARP), designed by ICB and on many occasions resulting in the restructuring of the debt or the enactment of the housing to avoid a lengthy legal process of eviction.

Holland. After four months of non-payment of the mortgage, the Bank gets in touch with the person who has signed the credit and if there is perspective that will improve the financial situation of the owner, is usually agree on a transitional measure of payment which is temporarily lowers the income. In extreme cases, the same owner is selling the House or, if not, is the Bank who auction, a method through which the debt is settled. United States. Yes There is the dation in payment, but legislation varies according to the States and there are many exceptions to the rule. In some cases, if the resale or auction of the housing does not cover the accumulated debt is to confiscate other property of the debtor. In addition, the debtor can enter part of a list of defaulters who will almost impossible for years access to any type of credit.