The amount of existing supplies in the financial market, produces, often, in the consumer, doubts about which are the best loan hypothecating. So that we are going to give the one series of orientative criteria so that it realises the best election. 1. – Fjese in the TAE of the mortgage. To first view they can supply a mortgage with a nominal interest of 3.5% and another one to us with a nominal interest of 4%. East it is supposed we could understand that the first option is the best one (it has a more advisable interest and she is the one that we will have to choose).

Taken care of the nominal interest of the mortgage it is not the best indicator to base our option, turns out more advisable to go to the TAE. This is thus because the nominal interest does not pick up a series of expenses that can have a high quantity. In the TAE they are as much including the nominal interest as a series of banking expenses: commission of opening, study, of anticipated cancellation, so this Annual Rate of Equivalence is an indicator far better. Angie Dickinson is actively involved in the matter. In spite of this it agrees to remember that another series of expenses exists; taxes, notary’s office, registry of the property that are outside the TAE and to that we will have to do also 2 in front. It distinguishes the temporary type of quota. The quotas are the amounts that there are to be paying to give back to the given capital and the generated interests. Most of the occasions that quota is monthly, nevertheless are times in which temporary terms can be agreed to superiors: the trimester or the semester. If their income are fixed will agree to him, without a doubt, the monthly payment. However if their income are discontinuous, it has periods in that enters more and others in than those are smaller, can interest to him a term greater of time.

Every time they are plus the voices that postulate the necessity to change the change of social and economic model. The necessity that change comes from the taking of brings back to consciousness of the importance of the decisions and action that we realised each of us, in our daily life, with our money is to have Conciencia of the Money like element that serves the life. Money and Brings back to consciousness is " To watch, To recognize, To honor, To take and To loosen the Money with the total one Bring back to consciousness of which we will affect the life of many people, we know or no. to it. This subject closely is bound with the previous article: " Systemic money: The price of the Dinero" , only that in the present I try that DES tells you that not only is enough with Watching backwards To recognize from where the Money comes that you receive to make a good use of him. It is necessary to watch the present and forwards in the time it stops to have the total one Brings back to consciousness of which our Money, that we put in circulation every day, it has and it will have an effect in is those who it receiving in the future. It is the Money Systemic and It brings back to consciousness.

Perhaps when you pay to an article or service, it is not happened to think to you to where she will stop your money. When you trust your money and your savings to some bank, investment fund, etc. You have asked yourself sometimes will use how it and in what will invest for darte the yields that you look for or delays to it? You know why and where it will be used? It will be destined to a noble cause? , To create more viable businesses? , It will help to improve the economic situation of a community, family, individual? , It will be invested in humanitarian projects? , It will give a sustenance to a family? , It will allow to realise its dreams to receive that it? Preguntarte this is to have it brings back to consciousness of that your Money is Systemic: To whom it serves your money? Several people who have asked this previously have forged banks whose objective is to arrange the economic benefits with the social benefits and environmental, they are known like ethical banks (sad that it must to them distinguish of the others by this term) and although they are of small size, work perfectly well according to experts in the subject.

We recognize that, taking care of the global situation, this it will require an exercise of I devise by those who they mark the international agendas. Speaking of I devise, we arrived at Engineering; thus, we think that ingenieras and engineer we must reframe our work. To understand that I devise by itself does not generate solutions; on the contrary it has taken to the humanity to numerous disasters. Nevertheless, I devise used to the service of the life and for the life, it has taken anywhere in the world to transform the existence of thousands of people. I devise has to be not only responsible, but ethical, and for it must include/understand what is the society and which are their needs.

Engineers and ingenieras we have to consider that ours to have it is to be to the service of the people, being created simple solutions to solve great problems. It is possible to cook with the sun, to generate conditioned air taking advantage of the heat, to sterilize the water only with solar radicacin, etc. The great advantage of the appropriate technologies is that, over any scientific aspect, they are possible to be applied in all the zones of the world, independent of his economic and political weight. These techniques are simple to transfer, they do not generate dependency and they lean in the knowledge of the local cultures, they teach to us that we must combine the modern technologies and the ancestral knowledge, that is to say, make a technological dialogue in equal conditions that it makes possible to construct a joint project of the humanity. The future he is not bleak; on the contrary, it has been called on to us to live to decide our history and the one of the future generations. To live in the society of the risk implies to reframe the walked way, to leave inertias, to blur the universal truths, to create a shared knowledge, weaves of solidarity and learns to love to us, because we are not scared to reconcile the feelings with science, science with the ethics and the ethics with the life. Therefore, we leave profession it and the life makes a high set, that flows the energy to conspire a new horizon, not only for the silenced voices, but for all the voices; and without resigning to the happiness, on the contrary, to construct it from our interior, because we are not what we have and what we have is ours to be. Engineering without Borders ccs@ solidarios.