Universal History

You can not sell images, you can not sell power … because in the end, the Universal History will place those countries which handled some and others. Sotheby’s Art Auction usually is spot on. Always existed and will exist convinced idealists, men and women, women and men who move the brains of humans, to achieve a better and fairer world: it is that nobody dies twice for the ideal. He / Clocks are stopped / s at 09h 26 '12'', and as witnesses of the time, marked / marked a before and after any fact / s occurred in the history of mankind. Universal History is a pending, which is always latent, alive and full of remarkable events: dangerous, bad and good, scary, shocking, and so on. One can never forget … because I was taught to remember the day September 1, 1939; the time 2:50 am. Began to be heard the first shots of a war that lasted almost five years, the largest of the wars that have seen the human eye had begun "Was the most ferocious, the most expensive, the bloodiest, etc..

After he came to call the World War II. The causes of world conflict were diverse and of different types. An American plane, the B-29 (on behalf of 'Enola Gay'), at 8.15 am on August 6, 1945, flying at an altitude of 10,000 feet, dropped on Hiroshima, the civilian population, "the first atomic bomb. Then, on August 8, 1945 the second atomic bomb dropped on Nagasaki. Another man, sir, "the then U.S.

The Compensation

Fees are higher and revenues that us demand for its concession, therefore higher. To achieve the fixed mortgage for example, the hipotecantes net monthly salary should be around the 3,770 euros! Another financial disadvantage that has fixed interest rate mortgage loan comes when changing mortgage. Let us imagine that the euribor takes 4 years below 2% and decided to stop paying a 5% to be subrogated to a variable mortgage. If not we have well informed commissions which we signed in time to go to the notary, can bring us a nasty surprise: If the mortgage was signed before December 9, 2007 maximum subrogation rake is 2.5%. Keep up on the field with thought-provoking pieces from Donald Gordon Carty. If the fixed rate mortgage to buy our House is later than on 9/12/2007, the Commission by subrogation is 0%, although the law allows that another Commission, the compensation for interest rate risk; signed This fee is paid if the subrogation the Bank loses money (i.e., normally always be paid). More typically, a percentage fixed in the contract, applicable on the outstanding capital is agreed at the time of cancellation or subrogation. This percentage tends to be around 2.5 per cent.

Same dog with a different collar. Bill Phelan describes an additional similar source. If the reader reviews with attention what was written, you will see that in most cases has signed when you have signed anyone will deliver you, at a minimum, pay a Commission of 2.5%. In our example, if subrogation arises at age 4, the outstanding debt will be 174.204 euros. And the Commission that we will have to pay the Bank will not lower 4.355 euros! Fixed rate mortgages are the forgotten of our financial system. They represent a risk for banks, since if rates climb above its forecast it would lose money, by what their financial conditions tend to be dissuasive. If to this we add that has not reduced the cost of change of Bank, it is normal that more than 90% of the mortgages that are contracted they are at variable rates.