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It is very common to see people in their daily lives handled using cards to pay for their purchases.  They are so much the number of people that most of the locals accept such payment.  Half payment is excellent and fast, as only presented this card and identity can make purchases.

The cards are also known as plastic money, because with only a small plastic plate can pay lots of money and cancel your account without having cash.

Most adults have one and you can even get one for use by their children or partner.  Adolescents and young people can buy the same make, provided they are of legal age.

There are two types of cards, credit cards and debit cards.  These cards have several differences, advantages and disadvantages, so you should be able to choose the one that suits your needs best.  You also have the option of owning a card of each type and use them at your convenience.
What are the differences between credit cards and debit cards?
The debit card

This type of credit card is ideal for everyday purchases every day.  To do this and pay the account of the total purchase must have balance in your bank account, the amount of money you spend and pay with your debit card will be discounted from there.  When performing such operations do not charge any interest or deferred payments.  In the event that there are minimal.

It is important to check your account balance often, because if you lose your balance you can not make the purchase and must pay with cash.  In case you want to make a local purchase and not accept debit cards can go to a nearest ATM and withdraw money as you want.  This usually occurs when the amount of what you buy is too low (many establishments impose a minimum charge of 10 euros to pay by card).
Credit Card

This card allows the payment is delayed, this can make a purchase without having money in the bank, unlike a debit card.

In making this purchase once you have a debt to the entity that gave you the card.  Before you give yourself credit card if the institution shall ensure the amount you have sufficient income to repay your debts.  If you meet the requirements you’ll be given the card.  Credit cards have a credit limit with which you can make your purchases.

There are different ways of payment:

* The payment ends meet, which will pay the entire amount set at once, without delay the amount used.
* The payment of a percentage, which pay a percentage of the money used.  For example, if you have 300 euros and have a 10% share, the share of that month is 30 euros.
* The lump-sum payment, where it is you who decides how much money you pay each month to eliminate the debt.

Besides the advantage of deferral of payments, provide credit card offers, discounts and insurance on your purchases.  The disadvantage of credit cards is that the interest you pay is too high.
What is the best credit card?  Which one should I use more?

Both cards have advantages and disadvantages to decide which one is the best and know what is best for you must first examine yourself and purchases you make regularly.

If you’re somebody that controls your finances and your spending you can get a credit card and use it only when necessary and not excessively, and you’ll end up paying double the interest.  Of course, you should research the best credit card banks that offer you so choose the one that costs you less money per year.

Debit cards are great and comfortable for those who make small daily purchases, such as the supermarket or pay for gas.

In short, if you’re someone who knows how to control your spending and coming right at the end of the month, the best thing to do is use a debit card and thus save all the interest that involve credit cards.  Now if you have to make a big purchase and do not have enough money saved, you can use your credit card monthly payment and defer (we recommend you pay as much as you can each month to save money at the end of the debt  ).

Credit is a free online destination that enables anyone with revenues exceeding two (2) SMMLV the ease of acquiring what you need when you need it, with different deadlines and additional services, becoming a quick and safe loan alternatives  over the short and medium term.

Features

Personal Credit has the following characteristics:

* Fixed rate: during the term of the loan.
* Variable rate: according to the DTF.
* Minimum: $ 1,000,000 pesos.
* Maximum amount: depends on the ability of debt you have, up to 250 SMMLV (Minimum Monthly Legal Wage).
* Term: from 12 to 60 months.
* Amortization
* Fixed rate: capital gradually with constant monthly payments during each year of the credit.
* Variable rate: monthly variable charges: ie capital contributions plus interest equal to vary according to the behavior of the DTF (rate term deposit).
* You agree that added extra fees do not exceed 30% of initial value of the loan and to deposit outstanding at any time.

Benefits

Personal Credit gives you the money you need, when necessary, timely and flexible, among other things:

* Extensive financing terms according to your needs, up to 60 months.
* Monthly amortization through Auto Debit to the checking or savings account without going to any branch of the Country Bancolombia.
* Ability to agree on extra fees at the time of the adoption of accommodating the monthly credit to your possibilities.
* Life insurance during the term of the loan.
* Can not agreed to deposit outstanding at any time.
* Full credit status information on the monthly statement.
* Inquiries and payments by logging on to Virtual Branch and Branch www.grupobancolombia.com page Telefónica through contact with an operator.

Although the Silk Road is actually composed of several interconnected routes between Southeast Asia, India, China, the territories of ancient Persia Turkey, which is generally known as such, starting in Xi’an (China) and ends at  Istanbul (Turkey) through Samarkand (Uzbekistan) and the southern Caspian Sea.  This route modern crossing of China, Kyrgyzstan, Uzbekistan, Turkmenistan, Iran and finally Turkey.  However, some prefer to deviate to the north of the Caspian Sea through Kazakhstan, Russia and Georgia to avoid proximity to the north of Afghanistan and Iraq, and the crossing of the Taklamakan desert.

However, the advantages of renting a cheap car is huge compared to any other vehicle, the (bus) are often full, are old and the journey was very uncomfortable.  In addition, people who have ensured that the fuel is much cheaper than here.  On the basic problem is visa processing time should not have to stay for several days in detention at the border awaiting permission to cross the country next. Read the rest of this entry »

Active mortgage allows you to obtain financing tailored to your needs with the best market conditions and especially with absolute transparency and personalized advice also an executive of the entity.

There are a variety of forms of mortgages offered by this institution and are listed below:

Active Mortgage Plus
Is a variable rate mortgage with an interest rate of Euribor 0.49 % ( APR: 3% ), contracted to a term of 40 years.
Commissions of this mortgage:
0 % Arrangement fee
0 % ActivoBank Compensation for withdrawal:
0 % Total depreciation
0% for partial redemption
It is necessary that has life insurance, home and salary paid to this entity. Read the rest of this entry »

An increase in the number of cars on the roads has significantly increased the number of traffic accidents. In the midst of these adverse effects, studies and criminal charges are inevitable. Accidents are events that have legal consequences, the role of a lawyer, which is of importance. Fatal car accident attorneys are available to assist a person to defend or file a lawsuit. A car accident lawyer provides perpetrators or victims of traffic accidents with information on various practical and legal aspects of personal injury law and car accident claims. It is a fact that almost everyone is affected, on average, at least one car accident in his life.

Lawyers play a vital role in fatal traffic accidents. In such accidents, the law on authors strictly enforced. It is the duty of the lawyer, his client represented in court. With legal advice, a lawyer who tries to avoid or minimize the penalties imposed by the board. In a car accident, which may also be required to defend a lawsuit. By contrast, the lawyers hired the victim to claim damages. This balance is obtained by filing a complaint against the offender. In the case of an automobile accident, is the lawyer’s duty to preside over the details of the action. United States plays the role of lawyers advise their clients of their rights and defend the interests of their clients. Read the rest of this entry »

Consumer credit

Legally, it is considered a consumer loan, a loan of money to be made with a professional financing, may be free or not. This type of loan does not need the endorsement of a notary, the money requested in consumer credit is not going to be used for the purchase of a house for example.
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What rules apply to all consumer credit?

To borrow money in the bank, who must sign a document called a credit agreement.
Any credit agreement provides consumers must be preceded by a proposal called before credit supply, so the borrower can enjoy the nature and extent of financial commitment you can buy and the conditions of execution of this contract. The preliminary bid must be submitted in duplicate to the borrower and, possibly, a copy to each person who was in warranty.
Credit offers before they are presented clearly and legibly. To this end, the height of the font used in the offer can not be less than eight.

Consumer credit, be careful what you buy.
What should an offer of credit?

• the identity of the parties and, if bonds
• the amount of credit and possibly regular fractions available, the nature, purpose and conditions of the contract, including the cost of credit broken and the amount earned, plus interest on the decomposition of the corresponding fees and expenses of corresponding maturity.
• when the preliminary offer is accompanied by a proposed loan of insurance covering the risk of death, disability, disability or job loss that could prevent the borrower to pay monthly fees, a notice is attached to the supply of credit. Contains extracts of the general conditions of insurance. If insurance is required to obtain financing, said the offer before the borrower can purchase an equivalent insurance with the insurer of your choice. If insurance is optional, the tender shall remember the way in which the borrower can not join.
• Where appropriate, goods or services financed by the credit and its price. This indication is important: it allows, in cases of appropriation, to establish the link between the credit agreement and an agreement to sell shares on the contrary, allowing in some cases, if a contract is canceled or decided to cancel or terminate also the other, or to suspend the execution of one to reach another. That’s why, as part of a loan, the lender is required to mention in the prior offer of credit, an indication of good or service that is funded and the seller, signed credit allocation.
• The overall effective rate. Allows consumers to know the total cost of the proposed loan, ie the interest rate on the loan, filing fees and insurance costs, and therefore the financial effort to pay a subsidy. The repayment of the loan (sequential)
• The provisions of the law of credit, particularly those in which the consumer has a right of withdrawal within 7 days after the signing of the offer, during which the lender can not demand payment from him any sum one.
• Finally, the preliminary offer must be accompanied by a withdrawal timetable is in the form of a removable printed form. This document may contain no mention on the back than the name and address of lender, and the address, date of expiry of the waiting period, the identity and address of the lender. Must be completed, dated, signed and sent to the lender by registered letter with acknowledgment of receipt.
How long is an offer of credit valid?

At the time of delivery to the consumer, the credit institution must maintain the supply of credit during a period of 15 days. This delay does not prevent the consumer earlier sign. Its aim is to review the terms of the contract offered to him and possibly compare it with others.
“I can retire after signing a credit agreement?

A consumer who has signed a preliminary offer of credit without having to justify their commitment to return in the exercise of their right of withdrawal. This recall is only valid if sent to the lender (and not the seller) before the expiry of 7 days from the signing of the deal. In regard to consumer loans affected the acquisition of goods or services the consumer may, if desired to be delivered immediately, reduce the period of 7 days, the waiting time starts the day after the signing credit supply, and will expire 7 days later. If the last day is Saturday, Sunday or a holiday or holiday, the deadline is extended until the next business day.
Can I pay the loan early?

You can repay the loan early, in full, before the deadline stipulated in the contract, except for lease-purchase. However, the bank can refuse partial payment, the amount is less than or equal to three times the amount of the first unexpired term, ie the first to come.
Redemption does not involve any compensation paid by the borrower.