Despus, compare los tipos de inters y los tipos de prstamo de por lo menos tres instituciones financieras (ejemplo, bancos.
Cambiando de una Tasa de Inters Ajustable a otra Tasa de Inters Ajustable ms baja puede ahorrarle dinero.
Los costos para generar el prstamo (tambin llamados puntos) son el mayor costo de cierre que usted pagar.
Los costos por avalo de la propiedad, solicitud de prstamo, bsqueda de ttulo (de propiedad), seguro de ttulo, inspeccin de la casa, y el asesoramiento jurdico son costos comunes.
CHARLOTTE, N.C. — The head of the largest professional organization of real estate appraisers in North Carolina said Monday he was appalled a woman whose license was suspended for inflating property values has been appointed to the state appraisal board….
Una de las mayores ventajas de poseer una casa es que una vez que ha creado alguna plusvala, puede ahorrar dinero al pedir un prstamo, porque el inters que paga es deducible de impuestos.
Claiming a home office deduction has many tax benefits. But it could be costly when you sell your home. Before you take this write-off, make sure you understand all its implications.
New, devalued homes and foreclosures are a double whammy on owners hoping to refinance.
Weighing The Pros and Cons of ARM Mortgages
When you decide to purchase a house, you will be faced with the important decision of securing a mortgage. One of the options you will be given at your financial institution is an adjustable rate mortgage, commonly known as ARM mortgages.
An ARM mortgage is just as its name implies-a term mortgage with a changing interest rate at intervals of time throughout the course of the loan. There are several advantages and disadvantages to ARM mortgages, and it is up to you whether the risk involved with an
adjustable rate mortgage is worth it, or not.
In some cases, such as when interest rates are at an extremely high point, an ARM mortgage is the best solution for your mortgage needs. If the interest rate is at an extremely low point, then an ARM mortgage is not the best decision to make and you would go for a
fixed rate mortgage. However, if the interest rate is floating somewhere between low and high, the decision becomes much more
difficult. The risk is if the interest rate will end up higher in a few years or lower, and how it will impact the payments you are making.
Largely, your own financial situation may determine the suitability of an ARM mortgage. The biggest risk is landing a high interest rate in a few years that you will be stuck with for one or two years until the rate is reviewed again. However, if rates fall to a low when your interest rate is reviewed, you could save enough money on monthly payments to allot for a raise in later years.
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A continuacin te resumimos las preguntas ms comunes que surgen con relacin al proceso de como obtener una hipoteca:Cmo funciona una hipoteca?
Usted tambin puede ahorrar dinero reduciendo el nmero de aos de su prstamo.
Usted puede refinanciar para obtener dinero para otros gastos familiares.
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More info…Tuesday, December 09, 2008 Rosarito Mayor Outlines Security Gains and Receives award Below is a release on a speech made last Saturday to the United Society of Baja California by Rosarito Mayor Hugo Torres. Photos of USBC President Anne Hines presenting…(read more)
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Rosarito Mayor outlines Security Gains and Receives AwardTuesday, December 09, 2008 Rosarito Mayor …
Usted puede desear refinanciar para consolidar deudas o para pagar prstamos con altas tasas de inters.
Este tipo de prstamo es usualmente por un corto plazo de entre quince y veinte aos, y tiene un inters ms alto que la primera hipoteca.
Boomers are Tanking and Thinking of Retirement in Mexico David Simmonds There was a recent Wall Street Journal story describing the number of boomers who are now borrowing money to live day-to-day. The content of the story isn’t as suprising as that it was in the WSJ, a once-reliable publication now owned…(read more)
U.S. Refineries Shut, Slow Operations as Hurricane Gustav Nears By Jordan Burke Aug. 31 (Bloomberg) — go to original Refineries operated by Valero Energy Corp., ConocoPhillips and Exxon Mobil Corp. are closing as Hurricane Gustav nears the U.S. Gulf Coast, where about 41 percent of U.S. refining capacity is located….(read more)
Cada mes t realizas un pago de tu hipoteca que consiste en cantidad acordada, intereses, impuestos de propiedad inmobiliaria y seguro de cobertura de la propiedad.
Los costos para generar el prstamo (tambin llamados puntos) son el mayor costo de cierre que usted pagar.
Una hipoteca es un prstamo a largo plazo que hace un banco u otro prestamista que permite utilizar la propiedad que vas a comprar como colateral.
Hay dos maneras principales de pedir prestado utilizando su casa como garanta, la primera es tomando una segunda hipoteca.
Algunas lneas tambin cargan cuota por transaccin cada vez que usted saca dinero.
More info… Refinancing has become extremely popular over the last few years mainly due to the historical low interest rates available. While today?s interests rate are a drop higher than its historical lows, it makes a lot of sense to refinance your existing home mortgage in order to save money on interest, or to take out a …
Por lo regular, usted tiene la libertad de hacer con su casa lo que quiera.
Home Loan Programs
You have found that dream home, now which of the home loan programs is right for you? There is no simple answer to that question; home loan programs need to be studied to choose what is best. This all depends upon your individual family preferences and financial circumstances.
Some factors to consider when choosing from the different home loan programs. Your current financial situation, do you expect this situation to change? How comfortable are you with a changing mortgage payment? A fixed rate mortgage can save you thousands in interest over the period of the loan, but it will also give you higher monthly mortgage rates. An adjustable rate will start you out with lower monthly payments but you could face higher monthly payments if the rates change.
You have decided which type of loan is best for you, now you need to choose which of the more popular home loan programs, is the best one for you.
Conventional loans are secured by government sponsored lenders. They are also known as government sponsored entities (GSEs). They can be used to purchase or to refinance single family or 4 plex homes with a first or a second mortgage. There are limits that are adjusted annually if needed based on the national average of new homes. You would need to check what the current years limits are for an accurate amount if you were to choose this type of home loan program.
FHA loans are programs to helping low income families become home owners. By protecting a mortgage company from default they encourage companies to make loans to families that many not meet normal credit guidelines. Some of the highlights of these loans are. Lower down payments can be as low a 3% versus the normal 10% requirements. Closing costs of up to 2 or 3 per cent of the home value can be financed, this reduces the up front money needed. The FHA also imposes limits on the fees from the mortgage company such as the loan origination fee can not be more than 1% of the amount of the mortgage.
VA loans are available to military veterans who served on active duty and were discharged under conditions other than dishonorable. The dates for eligibility are WWII and later. World War II (September 16, 1940 to July 25, 1947), Korean conflict (June 27, 1950 to January 31, 1955), and Vietnam era (August 5, 1964 to May 7, 1975) veterans must have at least 90 days service. Veterans with service only during peacetime periods and active duty military personnel must have had more than 180 days active service. There are other eligibility requirements. If you think you may be eligible contact your local or state veterans administration representative.
The biggest factor in a VA loan is that no down payment is required in most cases. There is no mortgage insurance payments needed, closing costs to the buyer are also limited. You can negotiate rates with the lender and you then have a choice of payment plans with up to a 30 year loan.
The last loan program we will mention is called a subprime loan. This is a loan for people with poor credit who would not qualify for a conventional loan or a VA or FHA guaranteed loan. These loans normally will require a higher down payment and have a larger interest rate. This is because of the risk involved to the mortgage company. These loans should normally be considered for a limited amount of time such as 2 to 4 years. It is a good way to improve your credit situation and then refinance with more favorable terms.
We have shown finding or planning that new dream house is just the beginning of the journey into your new home. The right answer to the question, which of the home loan programs is for you, takes research and a honest look at your personal situation.
Muchas personas toman una segunda hipoteca para comprar un coche si tienen suficiente plusvala, porque el inters es generalmente ms bajo que un prstamo para auto, y de nuevo, el inters que se paga es deducible de impuestos, as que el costo de financiamiento es mucho ms bajo.
Lo ms importante es saber cuantos ingresos y egresos tiene; de esta manera, el prestamista le dir la suma de dinero que el banco le prestar para la compra de su casa con base en la informacin recibida .
Dependiendo del tipo de inters, su pago puede permanecer igual, o incluso aumentar.
Direct student loan consolidation
Student loans are two-edged swords. Without them, you couldnt pay for that degree you worked so hard for. On the other hand, without them, you might actually get to keep the amount you pay out every month for yourself. You might get to pay your other bills on time, afford a more reliable car, or find a better place to live.
If repaying your student loans is challenging your budget, or worse, putting your finances and credit rating in the red, you might want to think about a direct student loan consolidation.
With a direct student loan consolidation, you exchange your outstanding student loans with their higher interest rates for one loan with a more manageable, fixed interest rate.
A direct student loan consolidation may be the answer to more than one problem. If you have struggled to meet your monthly payments and in fact have used every option for deferment or forbearance your current loans offer, or find yourself about to default on your loan, a direct student loan consolidation can mean a fresh start. A new loan is often a clean slate.
Not only do deferment and forbearance options become available in case of need again, but often direct student loan consolidation gives you a much lower interest rate as much as 0.6 percentage points thereby lowering your monthly payments. And when you consolidate those student loans under a new loan, those loans show up on your credit report as paid off, and your credit score benefits.
There are four plans for repaying a direct student loan consolidation that you many want to investigate as you consider which is best for your needs.
The first plan is a Standard Repayment Plan and gives you a fixed monthly payment for up to 10 years. The Extended Repayment Plan also sets fixed monthly payments, but the repayment period is set between 12 and 30 years, according to the total amount you borrow. In this plan your payments are lower because they are spread across a long period of time. Keep in mind, however, that making payments over longer periods of time means you will end up paying out a larger total amount.
The third option is the Graduated Repayment Plan. This is another direct student loan consolidation plan with a repayment period between 12 and 30 years, only in this plan the amount of your monthly payment will increase every two years.
Finally, if you have a job and family, the Income Contingent Repayment Plan may be what youre looking for. This plan sets a monthly payment based on your annual gross income, family size, and total direct student loan debt, and spreads those payments over a period of 25 years.
While direct student loan consolidation may be the best way to get on top of student loans for some, if you are close to paying off your existing loans, it may not be worth it in the long run to consolidate or extend your payments.
However, if you are still seeing loan payments coming out of your pocket well into the future, consider the direct student loan consolidation seriously. If you consolidate your loans while you are still in school, you may qualify for a 6-month grace period before repayment begins. You may find you will be able to keep any subsidies on your old loans.
Lower your monthly payments, improve your credit rating, gain control of your loans, and give yourself peace of mind about the future with a direct student loan consolidation.
More info… January 21, 2009 LUXURY at LOW, LOW Prices! Tell me… Doesn't that sound soooo nice? Hello- This week I am going to tell you about the places where the words "luxury" , "LOW, LOW prices" & "ocean" meet. All of these…(read more)
Rosarito Mayor outlines Security Gains and Receives Award Tuesday, December 09, 2008 Rosarito Mayor Outlines Security Gains and Receives award Below is a release on a speech made last Saturday to the United Society of Baja California by Rosarito Mayor Hugo Torres. Photos of USBC President Anne Hines presenting…(read more)
Mision Viejo, Rosarito - Announcing a price reduction on 40010 Calle Mision De San Diego, a 2,200 sq. ft., 3 bath, 3 bdrm single story "Classic Mexican Hacienda". Now$419,000 USD - Appliance Upgrades.
More info… Tuesday, December 09, 2008 Rosarito Mayor Outlines Security Gains and Receives award Below is a release on a speech made last Saturday to the United Society of Baja California by Rosarito Mayor Hugo Torres. Photos of USBC President Anne Hines presenting…(read more)
Los costos por avalo de la propiedad, solicitud de prstamo, bsqueda de ttulo (de propiedad), seguro de ttulo, inspeccin de la casa, y el asesoramiento jurdico son costos comunes.
Por ejemplo, usted puede utilizar la equidad o el valor en efectivo de su hogar para un gasto importante tal como la educacin de sus hijos o un proyecto de remodelacin.
The Alabama Apartment Association is set to hold its annual conference and education expo in Birmingham next week. The annual event attracts apartment owners, executives and leasing and management professionals from all markets in the state, said a Alabama Real EstateType All Categories Accounting Advertising Agency Air …
Es importante saber que las lneas de crdito por plusvala requieren algunos costos sustanciales al principio, los que pueden incluir cuotas por solicitud, bsqueda de ttulo, avalo, honorarios legales y puntos.
Si usted piensa seguir ese camino, es de la mayor importancia que entienda todo acerca de los trminos del prstamo, porque pueden cambiar.
Cada mes t realizas un pago de tu hipoteca que consiste en cantidad acordada, intereses, impuestos de propiedad inmobiliaria y seguro de cobertura de la propiedad.
Antes de firmar un prstamo de este tipo, asegrese de que el pago mensual cubre el principal y los intereses.
Los costos por avalo de la propiedad, solicitud de prstamo, bsqueda de ttulo (de propiedad), seguro de ttulo, inspeccin de la casa, y el asesoramiento jurdico son costos comunes.
Cuando se rena con el prestamista lleve un comprobante de su salario actual, la documentacin de otros ingresos si los tiene, los nombres y las direcciones de sus acreedores, la informacin sobre pagos de pensin alimenticia ordenados por el tribunal y la informacin sobre el balance de sus cuentas bancarias, y otras inversiones.
Otra razn para cambiar Tasas Ajustables es obtener mejores condiciones protectoras, tales como mxima cantidad de pagos.
Es nuestra pequea parte del pastel y para muchos dueos de casa significa tener un poco ms de libertad personal que si estuvieran rentando.
Despus, compare los tipos de inters y los tipos de prstamo de por lo menos tres instituciones financieras (ejemplo, bancos.
If you fail to make your mortgage payments, can the bank garnish your wages for the payments?Or do they just take repossession of the home and auction it off themselves?And if they just auction it and can’t sell it for enough to cover the remaining mortgage amount, can they come back and sue you for that, even if you no longer have access to the home?I’m asking because I need to know…if a person decided to deliberately stop making payments on their home mortgage because the home will not sell on the market quick enough and they have to move out of state, what are the repurcussions?(Besides bad credit)The goal is to just get rid of the house, regardless of the loss in profit from the sale of it, and regardless of how it will effect the homeowner’s credit.Please provide any information pertaining to this.
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I am a former American Express employee. I worked for the company for eleven years, from 1990 to 2001. I then returned last year for a very short stint (about two months-couldn’t handle it- they h…
I have a good credit, was never late for any payment and I did purchase a home in November of 2005. With the hope that I was going to get home equity, refinance and get money to pay my debits, I realized later that it wasn’t going happen because of the bad property value market for sellers in Massachusetts today. The house was purchased for 420K and the current appraisal is about 390K. Well, that said, I need to act soon. Since things didn’t work the way I planned, today I owe 24K in credit cards, 7K in school loan, 9K in auto loan, and 5K in other loans (total about 45K) an average of 1K of minimum payment per month and my mortgage payment is 3,200 per month. The other services bills such as oil heat, water, sewer, electricity, phone etc. sums up to 1K per month. I feel that everything is out of control. Also, I have a family member that’s really ill right now and he’s living with me. My job is not profiting as it should and my salary has been cut down a bit. I make now 1K per week after taxes which hasnt been enough to live normally anymore, and I havent mentioned food and other normal life expense such transportation. I had some cash reserve that I was able to keep payments up to date. Now I have an average of 6.2K of bills per month and I earn 4K per month (2.2K per every month behind). Since 2000 I have never delayed one single bill payment, but now that the cash reserve is gone Im really afraid whats going to happen from here on. What can I do in this situation: Short Sale, Foreclosure, Debit Consolidation, bankruptcy? Please help!
En nuestra sociedad, ser dueo de una casa es parte del sueo americano.
Asimismo, asegrese de entender claramente cuales son sus pagos mensuales y si estn de acuerdo con su presupuesto.
Muchas personas toman una segunda hipoteca para comprar un coche si tienen suficiente plusvala, porque el inters es generalmente ms bajo que un prstamo para auto, y de nuevo, el inters que se paga es deducible de impuestos, as que el costo de financiamiento es mucho ms bajo.
Entrevista a Joan Planas en Doc’s de Barcelona TV,en Cataln
Versin en Cataln: Joan Planas, Realizador y productor del documental ” Con nimo de lucro ” es entrevistado sobre el mensaje del documental por Olga Valencia.
Se emiti el 12 de febrero de 2006
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Keywords: entrevista joan planas documental cambia actitud
Hay en el mosaico del tpico espaol una tesela que tie al andaluz con el color de la exageracin; lo grande no ser tal sino grandsimo, “grandzimo”, “grandssimo”, en cualquiera de sus muchas variantes
fonticas. Y el muy, por obra y gracia de su equipaje lingstico, puede convertirse en “mu”, “muuuuuuuu”, “muuuuuuuuuuuu” hasta el infinito. Dice el diccionario que este trmino procede de “multum” y que denota un grado superlativo de significacin. Nos advierte que hay un antecedente de “muito”, que es como los portugueses dicen “muy” o “mucho”, considera cin ha tener en cuenta dada nuestra vecindad con los lusitanos.
“Grande” es el trmino que usamos para definir lo que supera en tamao, importancia, dotes, intensidad a lo comn y regular, y tambin lo abundante y numeroso. Adems de designar otros elementos, como Dios, prcer, magnate, persona de muy elevada jerarqua o nobleza, y, en boca de seudoperiodistas televisivos, rubrica la personalidad de la ms folklrica espaola. Una variante divertida es la que proporcionan emigrantes orientales y que nos hacen sonrer ya sin pudor: “glande”; “muy glande” sera un modelo altamente estimado en este mundo nuestro que tan bien premia el desparpajo o la impudicia.
“Muy grandsimo”, “mu grandsimo”, “muy grandzimo”, “mu grandzimo”, “muyyyy grandsimo”, “muy grandssssimo” etc…, etc…, es ya el no va ms del va ms all del todo. En este festn de lo mucho yo me relamo con ese mu tan popular, que en su sincopacin alcanza un valor extraordinario de gracia, emocionalidad, espontaneidad, hasta superar cualquier acusacin de vulgaridad gramatical.
Mu, me trae a la boca trminos que por ah comienzan: mujer, mula, mugido, muchacha, muchedumbre, mudjar, mueble, mueca, muleta, municipal, mueca, musa, msica, museo, musulmn, muzrabe, mutuo…, y con algn aadido murcilago, mundano, murga, musgo… y que desarrollan mi imaginacin muy grandemente, es decir, con la mente muy grande y abierta a lo “musho”. Haz un pequeo ejercicio: murga mudjar, mugido mutuo, mueca musa, muleta municipal, mueble muzrabe, mujer muchedumbre…
Pienso en el muy grandsimo espacio de mi geografa racional cada da menos muy grandsima y me tropiezo: con la mujer muy grandsima embarazada muy grandsima esperanza nuestra; con el consabido aspirante poltico con su aspirante programa muy grandsimo y muy incumplible; con el muy grandsimo amor de los primeros das, con el muy grandsimo sueldo de los primeros das, con el muy grandsimo piso de los primeros das, que da paso al pago de la hipoteca y su muy grandsima cuota hinchada por los muy grandsimos hijos que llegan y el muy grandsimo aumento del coste de la vida, salto de la peseta al euro incluido; con el muy grandsimo esfuerzo que nos cuesta vivir a veces y que la sociedad se empea en engordar con muy grandsimos problemas; con el muy grande grandsimo calentamiento de la tierra; con el muy grandsimo empeo de algn presidente de pas muy grandsimo que nos meti en una muy grandsima guerra y nos va a meter ya en otra muy grandsima; pero tambin con la muy grandsima esperanza del ser muy grandsimo que habita el planeta, con el an muy grandsimo espacio de la selva amaznica; con el muy grandsimo camino de caminos y carreteras que nos permiten visitar el muy grandsimo universo, con el muy grandsimo horizonte repleto inabarcable con muy grandsima menguante esperanza, con el muy grandsimo espectculo que son los sueos, con el muy grandsimo an talento del hombre a pesar del muy grandsimo intento de robotizarlo y despersonalizarlo, con la muy grandsima pon tu mayor frustracin, el muy grandsimo escribe tu mayor empeo.
No hay nada exagerado con lo muy grandsimo, todo es comn y regular; el diccionario puede menos que los hombres; la verdad est en la palabra que vive en muy grandsimo espacio de libertad. Experimntalo: di “muy grandsimo” en voz baja, vete pronuncindolo subiendo la voz, invita a hacerlo a tu pareja en el momento del amor, a los vecinos en la fiesta del lugar, a los que bailan en la sala de fiestas, a todos los que te rodean en el campo de deportes, a todos los que pasean por la calle, a todos, a todos, a todos, a todos…, que es muy grandsimo el deseo de vivir sin bridas con una grandsima veracidad en nuestras cabezas y en nuestros corazones.
PABLO DEL BARCO
Diseo de portada y fotografa:
M.Lucas Gonzlez.
Montaje:
A.M Daz Lpez-Becerra.
Author: ariariw
Keywords: REVISTA OBJETO POESIA VISUAL LAUREL N3 MU GRANDSIMO ESCACENA DEL CAMPO HUELVA
A3Bandas - Galera de Heroes - A tres pasos y medio
Rayden
Quizs cuando lo entiendas sea demasiado tarde
y seas madre hermana pero antes deja que te hable,
tal vez se te quede grande el mundo y las ciudades
no te ralles, yo he pasado por lo mismo sabes…
lloras por ir a clase? ayyy los nios..
.la gente mayor llora por un salario mnimo,
por un curro, por cambiar de turno,
por un nmero en la cuenta, una renta para pagar vicios y lujos
y un sueldo base para la hipoteca que
la vida en pareja no es como en tu casa de muecas
aqu princesa no hay castillos de ensueo,
lo cierto es que para obtener un suelo has de soar despierta
(y…David si somos buenos al morir vamos al cielo?)
no lo creo por eso en esta vida intenta dejar huella,
mira hacia arriba, a las estrellas..
Que los abuelos y el to vern si t eres buena desde aquella
Estribillo
Aprende que en la vida todo son errores
yodesde la madurez buscar soluciones
tusonreme que ya vendrn tiempos peores
con problemas que al final provocarn tensiones.
De momento vive feliz en la infancia
que no habr mejor regalo que el de la ignorancia
nono tengas prisa por crecer y madurar
que cuando seamos grandes solo querremos jugar
Rayden
Quizs cuando lo entiendas sea demasiado pronto
y ser tonto pero he visto a chicas de mi edad con bombo
Por no usar condn su vida siempre se ir a pique
supongo que hay errores que no los borra ni el \”ti-pex\”
viste? pecar de brusco,
pero pasamos de vivir un chiste a una broma de mal gusto un susto triste del que se aprende y te ensea
que los bebs no vienen de Pars con la cigea pequea De momento duermes con peluches?
nosotros con personas que nos quieran y achuchen Tomas chuches? cada noche un macho en coche va y se pudre
si consume \”golosinas\” en clubes no son dulces: amargan y arruinan…
Como el carbn que traen los Reyes Magos cuando nos castigan? No…Los reyes magos nialos reyes magos mira;
lo de los reyes te lo contar otro da…
Estribillo
Aprende que en la vida todo son errores
yodesde la madurez buscar soluciones
tusonreme que ya vendrn tiempos peores
con problemas que al final provocarn tensiones.
De momento vive feliz en la infancia
que no habr mejor regalo que el de la ignorancia
nono tengas prisa por crecer y madurar
que cuando seamos grandes solo querremos jugar
Espaa es el pas de los tiritos,
no de los tiros de los vampiros y de los cualquiera
patria de personas mediocres y rencorosas,
si Espaa no es otra cosa, que es lo que esperas,
frontera de paso o lugar de residencia?
crees que me representa su bandera?
nac aqu por coincidencia,
que explote la Cope, que pille dentro a ngel Aceves,
que un obispo maricn sea portada del Jueves,
en el pas donde los ciegos gobiernan a los tuertos,
mi frase favorita es “espaoles Franco ha muerto”,
muerto, y no va a volver, que vuelva si puede,
y que nos devuelva los 40 aos que nos debe,
cuando nos duele nos quejamos,
porque olvidamos que el pas es el reflejo su ciudadanos,
que es Espaa, una hipoteca, una zona de bares,?
espaldas mojadas, tierra seca es un porro y un litro,
es ir de putas a escondidas?
Estribillo
“Espaa, Sevilla y yo en direccin prohibida,
vacaciones en la playa, calidad de vida.
Espaa , Sevilla y yo direccin prohibida.
Te lo hago sin condn, pero con el corazn.
Espaa, Sevilla y yo en direccin prohibida.”
A quien le importa esto?, a mi bastante,
a mi me la suda to,
a mi me la sudas t, puedo seguir?, adelante,
algo farsante, as es el habitante
de la ciudad con mentalidad de pueblo grande
que es Sevilla, canis, caciques
nazis oscuros de piel que quieren ser Jesuln de Ubrique,
seoritos andaluces, albailes de derechas,
amantes de las cruces y los trajes de luces.
Sevilla canta tanto que desafina,
lo que mas consume Sevilla son santos y cocana,
envidiada y envidiosa, mas que otra cosa,
eso si, no tiene nada de sosa,
porque Salsa Rosa y todo se sabe, si no se inventa,
porque una cosa es lo que es y otra cosa es lo que aparenta,
Sevilla se vive de puertas afuera, es normal,
y es que tenemos un color especial,
en la capital de las cornetas, las peinetas y los trajes de chaqueta,
dentro de la catedral hay una estatua de madera sin pecado concebida.
Estribillo
“Espaa, Sevilla y yo en direccin prohibida,
vacaciones en la playa, calidad de vida.
Espaa , Sevilla y yo direccin prohibida.
Te lo hago sin condn, pero con el corazn.
Espaa, Sevilla y yo en direccin prohibida.”
Yo tengo el remedio para tu tedio,
yo hago que el rap calce un 44 y medio,
yo soy un pingino en el desierto, yo sueo despierto,
soy un libro abierto que se lee en los conciertos,
ese soy yo, “novato”, Hip Hop Gestapo, el capo destapo,
el tapn del flow, yo lo vivo,
dame un anular, un pulgar y un ndice y ser atractivo,
sigo, soy testigo,yo!, busco t compara,
tu en primera fila del bolo con mala cara,
yo disfrutando porque soy el baile de saln,
lo que es ser un bailarn de profesin, Sara Baras,
espaol, circunstancia, sevillano de mudanzas,
siglo de danzas contra la desesperanza,
poeta?, no creo,
punta de lanza en todo caso, la gota que rebosa el vaso.
“Espaa, Sevilla y yo en direccin prohibida” x4
Author: ZievoneR
Keywords: juninacka juninaka juaninaca espaa sevilla yo
Dani Ro - Fuerzas del orden con Inze Brashier y Bako
De su LP “Veracruz” (2007).
Dani Ro
Amo Espaa por las fuerzas del orden que tiene
que mantienen la ciudad con buena higiene
a base de multas por tu conducta te retienen
por ser quienes son vienen te detienen si quieren
pero creo en la ley, acaban con lo difuso
aunque por mi calle viven narcotraficantes rusos
sabes que la polica calla si hay intrusos
dejan que el ro siga su curso, se hacen los confusos
si eres viejo y no pagas hipoteca te desahucian
las fuerzas espaolas no negocian
as no habr morosos en tu sociedad da gracias a las ansias
de traer el bien a un trozo de galaxia.
polica local igual al friki de tu clase
hechos para que te saquen la sangre.
hablan con las mismas frases son como clones subliminales
con su cresta su placa su laca y sus modales
se camuflan para meterte un buen susto, entre arbustos
el radar te pondr un castigo justo,
te sacan el dinero
te tratan como si fueses un fiero pendenciero
ante la ley no existen peros.
la secreta te puede pillar costo
la benemrita contigo hace el Agosto
que no te pillen con el mvil pegado a tu oreja
por que dejas que estas sabandijas no escuchen tus quejas
denncialos, solo perders el tiempo
ellos tienen foto del momento en el que cepo te atrap
los que dan calor al fro asfalto.
cuando con su mano derecha te dan el alto
ensean su cuaderno con esas tpicas hojas rosas….
solo aceptaran escasas excusas si eres hermosa.
te jodern un mes de tu salario
por ser un conductor temerario.
Estribillo Inze Brashier (x2)
Corrupcin,
fuerzas del orden con su represin,
hacen negocio con tu confusin,
sino obedeces a la ley a su decisin, iras a prisin.
Dani Ro
Me apiado de ti si eres marroqu vives en un reality
la guardia civil hoy dispara gratis
no saltes barreras que no debas,
no seas inmigrante de la nueva Unin Europeo o tu veras.
elige el destino, si consigues saltar al reino
tendrs que pasar oxidado alambre de espino…
esquivar balas de algn guardia bacala
que no repara en disparar con su pistola al seguidor de Al
que bien trabajan estos empleados
dan todo de si, as progresa su Estado.
Espaa libre de borrachos, marroqus y drogados,
de parados, dejados de lado, por visados caducados
en menor escala, el guardia jurado, el polica frustrado
que custodia amargado el mercado.
pendiente de si hoy seria su da de hroe
por pillar a un pobre etiope, robando Loewe.
esta bien, sabemos que es difcil
pero mas de un imbcil piensa que es del FBI
di que tu no eres as, que el CSI no influye en ti
eres un comodn o el kid del ring as que fin.
y que meto a todos en el mismo saco.
pero las fuerzas del orden solo quieren blancos.
No hay negros no hay moros entre picolos.
no existe el poli benvolo
pero abundan gordos nodos de bobos
llevan el ego subido por llevar pipa
elevan tu riesgo sanguneo si disipas guripas.
estas condenado si gripas a la luz del da
y esta sin homologar tu carrocera
ven a un vagabundo dormir con sus perros
que hace el madero, saca la porra de estraperlo
para dar miedo. as es como gana dinero
ya que lo primero la exterminacin de pendencieros.
Estribillo Bako (x2)
Corrupcin,
fuerzas del orden con su represin,
hacen negocio con tu confusin,
sino obedeces a la ley a su decisin, iras a prisin..
Yeah, yeah, Dani Ro, Inze Brashier, aja, es Bako, 2006, Veracruz, tio, Veracruz, hermano, as va to, viviendo la vida como en Training Day
Author: apivicio
Keywords: dani ro fuerzas del orden con inze brashier bako veracruz rap zaragoza 2007 hip-hop anubis pablo de tarso roice gracie
Como sea que lo llames siempre lo necesitas para comprar una casa.
Car Loan
The common thought is that getting a loan for your new car purchase is pretty easy and straightforward. However, it is not so. There are a few ostensibly minor variations which can be actually cost you a lot of money. Therefore, it is worthwhile checking various loan offers that may distinguish the desirability of one loan over another.
Finding a car loan with the right benefits and interest rate can be the difference between you buying the car of your dreams or simply a car that you can afford. So, it is important that you give yourself solid answers to these questions:
What is your current financial situation?
How you expect your finances to changeover in the coming years?
Which car you want?
Do you think it is likely that you will want to refinance at some time during the life of the car loan?
Before choosing a car loan, there are several things that should be kept in mind:
Credit History —- there are several lenders that may lend you money even if you have bad credit, but they may penalize you to pay high interest rates.
Compare Rates —- rates vary and there is no sense spending even a dollar more than you have to so get several quotes before you buy your car.
Transfer Balances —- be sure to look for hidden fees and transfer balances that my not be apparent at first glance.
Required Information —- lenders will require your financial information such as whether you own or rent a home, how much your payment is how much money you own on credit cards, etc.
Pre-Payment Penalties —- if such a penalty is built into the loan contract, the lender will penalize you, by charging a fee, if you pay the loan off early, whether through refinancing or by any other means. So, if you think it is likely you will want to refinance at some time during the life of the car loan, this is clearly an important consideration.
Simple Interest Loan —- never agree to a car loan that is not a simple interest loan.
Also, dont forget to ask the following questions while looking for the right car loan:
What interest rate can you offer?
What is the allowed time of repayment?
What down payment will you make?
Remember to go through the car loan contract thoroughly and be sure you understand each and every word. If you don’t, take your time and ask any expert. But don’t let anyone rush you through the process. In this way, you could get the car loan that is right for you now and in future too.
For the homeowner in search of a home equity line of credit the availability of interest-only home equity credit lines has drawn the interest of many who seek to benefit from the value of their homes. The name itself sounds too good to be true. A look at the details could cause the homeowner to think twice before seeking an interest-only home equity line of credit. Or those same details might spur the homeowner to contemplate yet another home equity line of credit.
Banks tend to offer the homeowner more than one-way to obtain an interest only home equity line of credit. One bank for example has advertised the existence of one plan whereby the homeowner gives payments that cover the Prime plus 5% for five years. Then in the next ten years, the homeowner pays a floating interest rate, a rate that is determined by the Prime rate.
Yet that same bank also offers an alternate way for obtaining an interest only home equity line of credit. Under this alternate procedure the homeowner pays 5.75% APR for one year. Then after that first year the homeowner faces an increase of % each year until the rate is 6.75% APR. In the sixth year of this particular line of credit the homeowner pays 6.65% every month until the credit line has been paid off.
The homeowner should also consider some of the other approaches to the offering of a home equity line of credit. For example, some banks will offer a draw period at the start of the period of the credit line. During this draw period, the homeowner can withdraw funds for making advances, for repaying advances or for advancing the line of credit. The draw period is followed by a period of repayment.
Each type of home equity line of credit offers the homeowner a way to reap added benefits from the existing credit line. For example, the homeowner could choose to increase the insurance deductibles, knowing that a line of credit had been made available. The higher deductibles would guarantee a decrease in the premium payments on the insurance policy.
A home equity line of credit could also be used to buy discount credit cards at a store of the homeowners choosing. In addition, the possession of a home equity line of credit gives the homeowner the ability to make purchases with a Rewards credit card and to then pay the card payment with the check obtained through the credit line.
Once the homeowner has negotiated all of the intricacies of a home equity line of credit then that homeowner is ready to use multiple economic tactics in order to make more money from what he has available. He will be ready to prove the old saying: You have to have money to make money.
Normalmente, una institucin financiera accede a entregarte el dinero que necesitas para cubrir el costo de la casa, y t, por tu parte, firmas un contrato legal que dice que devolvers no slo el prstamo, sino tambin los intereses y dems gastos relacionados con el mismo.
Por ejemplo, usted puede cambiar de una hipoteca de 30 aos a una hipoteca de 15 aos.
Para la mayora de la gente, esto significa conseguir una hipoteca.
Be ARMed With Knowledge When Shopping For an Arm Mortgage
When you go shopping for a house there are many important decisions to make. Not only do you have to find that perfect house that you want to live in for years and years, but you have big decisions to make at your financial institution as well. Before you go to your
lender, arm yourself with knowledge about mortgages and the different types that you will be offered so you can make a thoroughly informed decision when choosing a mortgage.
There are generally two types of mortgages-a fixed rate mortgage and an adjustable rate mortgage, or ARM mortgage. A fixed rate mortgage offers one interest rate for the entire life of the loan, while an adjustable rate mortgage offers changing interest rates at intervals of time.
By arming yourself with knowledge before you head to the lenders, you can ensure that you are going to get the product you need at the price you can afford. There are advantages and disadvantages of adjustable rate mortgages that need to be weighed before deciding for,
or against, an ARM mortgage.
Adjustable rate mortgages usually come with a significantly lower interest rate than is offered on a fixed rate mortgage. For this reason, ARM mortgages are very tempting to home buyers. On the other hand, a fixed rate mortgage offers the security and consistency of
payments and interest rate throughout the term of the loan. There are risks involved with an ARM mortgage, such as higher interest rates in years to come.
Is the risk worth it? It is this primary question you need to ask yourself before heading to the lender to secure a home mortgage loan.
Pedir prestado utilizando su casa como garanta puede ser una tremenda ventaja si lo maneja inteligentemente, y un desastre si no lo hace.
Despus, compare los tipos de inters y los tipos de prstamo de por lo menos tres instituciones financieras (ejemplo, bancos.
Cada mes t realizas un pago de tu hipoteca que consiste en cantidad acordada, intereses, impuestos de propiedad inmobiliaria y seguro de cobertura de la propiedad.
So sayeth the sign saying GO. The sign saying STOP does not sayeth thus, because STOP does not imagine any castles. GO imagines and believes even while being rooted on the earth. It is stationary like STOP. It is in one locale like STOP. But it is always telling those who come upon it at the crossroads to GO, because it knows the mortgage is paid, on earth and in the sky, by driving on.
Pedir prestado utilizando su casa como garanta puede ser una tremenda ventaja si lo maneja inteligentemente, y un desastre si no lo hace.
Muchas personas toman una segunda hipoteca para comprar un coche si tienen suficiente plusvala, porque el inters es generalmente ms bajo que un prstamo para auto, y de nuevo, el inters que se …
Pedir prestado utilizando su casa como garanta puede ser una tremenda ventaja si lo maneja inteligentemente, y un desastre si no lo hace.
Muchas personas toman una segunda hipoteca para comprar un coche si tienen suficiente plusvala, porque el inters es generalmente ms bajo que un prstamo para auto, y de nuevo, el inters que se paga es deducible de impuestos, as que el costo de financiamiento es mucho ms bajo.
Normalmente, una institucin financiera accede a entregarte el dinero que necesitas para cubrir el costo de la casa, y t, por tu parte, firmas un contrato legal que dice que devolvers no slo el prstamo, sino tambin los intereses y dems gastos relacionados con el mismo.
Pedir prestado utilizando su casa como garanta puede ser una tremenda ventaja si lo maneja inteligentemente, y un desastre si no lo hace.
Es nuestra pequea parte del pastel y para muchos dueos de casa significa tener un poco ms de libertad personal que si estuvieran rentando.
Bad credit can increase the difficulty that a homeowner encounters when seeking a home equity line of credit. Bad credit can be the reason for a poor credit score.
What is a credit score? The credit score varies between the values of 300 and 850. The credit score is the creation of the Fair Isaac Corporation. Lenders who arrange for a home equity line of credit use the credit score in order to set the interest rate that will be charged the homeowner.
Homeowners with a low credit score will need to pay higher interest payments. A score above 700 is assurance of good interest rates. The credit score also serves as an indicator of whether or not a lender should accept a homeowners application for credit. Decisions on credit limits for the homeowner are likewise based on the homeowners credit score.
The credit score is a function of the homeowners past line of credit. In the U.S., three different agencies keep a record of each consumers line of credit. Those agencies are Experian, TransUnion and Equifax. If a homeowner with a low credit score wants to raise that score, then the homeowner must contact each of those three agencies.
The effort to overcome a record of bad credit and to raise a credit score requires the contesting of false claims that money is owed. If the homeowner can prove that the claim for money is spurious then the homeowner has an opportunity to raise his credit score. This action should be taken if the homeowner who plans to seek a home equity line of credit has a score less than 640. Such a score would be a sign of bad credit.
The contesting of a credit score is not like a shot in the dark. A survey of credit reports in the U.S. sheason to question the credit score that is being used to determine the interest rate on a home equity line of credit.
The credit score for a couple, a pair that are joint homeowners, is based on three credit scores from the person with the most sizable income. This is the score that the homeowner needs to make correct. Such correction may require a written statement to each of the above-mentioned agencies. Those agencies will then contact the homeowner and indicate if more information is necessary. If the homeowner is lucky, then the credit score will be increased and the interest rate for the desired home equity line of credit will be lowered.
Once the homeowner has a good credit score then he will want to avoid slipping back into that region of bad credit. This means that the homeowners must avoid the sort of spending that carries them to the borders of their credit limits.
Es importante saber que entre menos deudas tenga ms es la cantidad que podr recibir.
Normalmente, una institucin financiera accede a entregarte el dinero que necesitas para cubrir el costo de la casa, y t, por tu parte, firmas un contrato legal que dice que devolvers no slo el prstamo, sino tambin los intereses y dems gastos relacionados con el mismo.
Bad credit can occur for a variety of reasons. Having bad credit does not necessarily mean you are a bad person. Bad credit loans can help good people who may be struggling with job loss, medical costs, divorce, or other life changing circumstances that have an impact on your financial well being.
Acquiring a bad credit loan, may be the first step to rebuilding your credit. Many people with credit problems find that a bad credit loan can help them get back on their feet and find the way to personal financial freedom once again. A bad credit loan can be used to help get your life back on track, get rid of calls from creditors and even avoid bankruptcy.
Many people who have bad credit may feel that a home loan is out of reach for them. Whether you need to purchase a home for the first time, relocate to a new home, or would like to refinance your current home, rest assured that there is a loan program available for you. Even if you have bad credit, you may be able to find a home equity loan, a home purchase loan, or even a loan to refinance your current mortgage at a lower rate and save you hundreds of dollars a month in interest payments.
Many people believe that credit cards are unavailable for those people with less than perfect credit. A credit card is merely a type of loan, and is still an available type of bad credit loan available for your consideration. The interest on the credit card will be generally higher than on a home loan because the credit card is an unsecured loan, that is, a loan with no collateral. The home loan uses the house as collateral that the loan will be repayed, and thus will generally have a lower interest rate.
For those struggling with making all those monthly expenses, one type of bad credit loan available is a debt consolidation loan. A debt consolidation loan can help you combine many different credit card payments into one loan, one payment that many times has a lower interest rate. You can merge your payments into one payment and help manage your monthly cash flow.
It is important to realize that while bad credit loans are available, and they can help you, you must remember a few things. Generally, the interest rates will be higher on these loans. This is reasonable and expected since banks and lenders assume a somewhat higher level of risk with a bad credit loan. However, taking the step of acquiring a bad credit loan and improving you financial health will eventually help you to rebuild your credit until one day, you also can have good credit.
Despus, compare los tipos de inters y los tipos de prstamo de por lo menos tres instituciones financieras (ejemplo, bancos.
Home equity line of credit rate, major consideration when acquiring loan
Home equity line of credit is a credit facility where you secure repayment of your loan by your equity on your house. This is advantageous for those you who have realized or is about to realize the greatest American dream, ownership of their own dwelling.
Various reasons lead consumers into taking advantage of using their dwelling as collateral such as in a home equity line of credit. Primarily is the fact that as compared to other loans including, credit cards and other unsecured credit, home equity line of credit rate is lower.
Additionally, the interest paid in a home equity line of credit is tax deductible. Thus, it helps trim down the tax payables.
Another factor for the popularity of home equity line of credit on top of the home equity line of credit rate, which is lower, is the fact that you can take out a loan of up to 85% of your total equity on the house.This is especially important for repairs and renovation necessary to make the house safe and conducive to living.
Additionally, consumers prefer to take out a loan against their equity for purposes of childrens education and in some cases, to settle medical bills.
Consolidation of debt is also another advantage of taking out a loan using the house as collateral. This is because of the convenience that you only owe one institution with all your previous and prevailing loans, the home equity line of credit rate is specifically helpful in this case.
You consolidate your debt and you minimize the interest rates payable, on top of the fact that interests are tax deductible.
Consumers take advantage of the convenience and flexibility including the lower home equity line of credit rate, however, it should not be forgotten that using your house as collateral entails some risks. Primarily, you are at risk of loosing your dwelling. If it happens to be your primary dwelling, consider the nightmare of eviction.
Financial experts therefore recommend that if you want to take advantage of home equity line of credit and the reasonable home equity line of credit rate, you may need to do your homework.
Search for the most reasonable interest rates, because interests in a home equity line of credit may be variable, you may need to find the lowest interest rate and the most flexible payment terms. If possible, avoid the lure of paying interests only on your credit line; this will avoid being trapped by the balloon payment at the end of the term.
If possible, choose to pay the interest and part of the principal on a regular basis.
You may also need to check with the lending institution what are the conditions that will make them consider you as in default and what conditions you may need to follow to avoid balloon payments, which you may not be ready for.
It is thus recommended that you scrutinize the application a bit and ask all the pertaining questions in order for you to make sure that you dwelling will not be at risk in the transaction.
It may also be helpful if you can find other sources of information to guide you with the intelligent decision of acquiring loan against your dwelling even with the consideration of home equity line of credit rate. The internet may be a good place to start even before you contact an agent.
Dependiendo del tipo de inters, su pago puede permanecer igual, o incluso aumentar.
Normalmente, una institucin financiera accede a entregarte el dinero que necesitas para cubrir el costo de la casa, y t, por tu parte, firmas un contrato legal que dice que devolvers no slo el prstamo, sino tambin los intereses y dems gastos relacionados con el mismo.
En lugar de estos pagos de prstamos, usted tendr una hipoteca mayor pero a una tasa de inters ms bajo y el inters pagado ser deducible (descontado) de sus impuestos.
Puede pintarla y decorarla de la manera que usted quiera, plantar en el jardn lo que quiera, hacer lo que lo haga sentir que es su casa.
Costos de Refinanciamiento Usted necesita saber o cuesta refinanciar.
Algunas lneas tambin cargan cuota por transaccin cada vez que usted saca dinero.
Despus, compare los tipos de inters y los tipos de prstamo de por lo menos tres instituciones financieras (ejemplo, bancos.
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