04/26/2014

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Credit Cards The Mexican Senate approved measures to limit bids and grants of certain types of credit cards at the end of last year. These measures could serve as an example to other countries in the region. The Estados Unidos President Barak Obama has already expressed interest in the new regulation of the credit cards in the United States is approved on 25 May. The measure was approved unanimously in the Senate, with these initiatives it is protecting users of financial institutions and certain practices described as predatory by the banking entities. What passed the Senate? Customers shall be notified in advance of 30 days of any increase in the interest rates on credit cards. In this way users can assess if they continue or not with your credit cards. The restriction of the schedules in which offers of credit cards are made to users. The prohibition of credit cards pre-approved unless they have been requested. That single credit limit is high with the prior consent of customers. Prohibit and punish credits to minors. That credit cards are only delivered to persons with capacity to pay. That interest rates are applied only on balances average daily outstanding (outstanding: is the current amount of debt, the remnant still unsettled). The average daily outstanding balance is charged or is considered to be based on the average of different debts that could be greater than if kept one only and the recovery of this. Each statement have the period required for the client finiquite the debt although it covers only the minimum payment. Either both for passive operations as for the active, statements should provide information about the elements of greatest importance of the operation to be: interest charged and paid, credit, commissions, the Total annual cost (CAT), limits balances and warnings that illustrate to...
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Feng Shui Lighting in the teachings of Feng Shui plays an important role, therefore, developing an interior that you want to be renovated kvaritiry, try to pay more attention to natural light. If the layout does not allow get lots of light, you can use the mirrors, creating the effect of sunlight. But, do not have a mirror right in front of windows - light sources. Artificial lighting should be bright enough to things have changed around their color, because fluorescent lamps in the interior are not recommended in large quantities. If the light is sent up, the ceiling, being brightly lit, it will seem higher. Mirrors in the long, narrow hallway, placed on opposite walls, but by no means against each other, not only visually push the space, but will adjust the lighting and direct energy in the right direction. But put a mirror in the bedroom is not recommend, but without this if you can not do, is to place a mirror so that it is not reflected sleeping hosts. Mirrors in the dining room does not just expand the space and will increase coverage, but positively "influence" on are on the table meals. Color sensations of every person is so individual that in the teachings of Feng Shui describes only some associations with colors. Developing finishing kvaritiry certain colors, rely on your feelings, do not try to go against them, or repair of the apartment does not go in your favor. If your apartment is small, then do not get carried away monotonously, a small room should be bright, warming you. Applying the finishing flat absorbent material, you will not only extinguish the background noise, which are considered hazardous to health, but also protect yourself from outside noises, just in case you got noisy neighbors. Any apartment, cluttered massive...