Archive: December 2015

Interest Rates

Intuitively, many people know that if interest rates are low is not the time to spare, and if interest rates are high is not the time to invest (at least borrowing). Therefore, people are always outstanding read the newspaper, listen to the news on television and listen to renowned economists to know your views on the future of interest rates. I'll give you a tip that was given to me in the Master of Finance, this tip is not a theory that behaves 100% accurate in practice but it does in a lot of the time. Turn on the TV or buying the newspaper and see ads for banks. If you see excessive ads promoting bank loans with fixed interest rates, then surely interest rates will go lower or keep down. On the other hand, if you see excessive bank ads promoting fixed-term savings, then surely interest rates will go up or are going to remain high. What is the reason this?, fijate: Suppose interest rates on deposits (savings) are at 8%, and banks estimate that will rise to 10%, then they will promote fixed-term savings at a rate of approximately 9%.

With this, to raise rates to 10%, there are a lot of customers with their savings "tied" to 9%. That is, we are charging less to customers to keep their savings. This differential of 10% – 9% = 1%, banks earn it with that strategy. On the other hand, if the interest rates on loans (credits) are at 20% and banks consider going down to 18%, then they promoted term loans and fixed rates approximate 19%. Then, when rates fall to 18% will be a lot of customers with their claims "tied" to 19%, ie, customers will pay more dearly for your credit worthiness.

That difference, of course, they earn the banks. Felix J. MS A. Gonzalez website: gorreo


The presence of man on earth over time, has left its mark and each society has created various elements that are a clear indication of the personality and world view in which heavily influenced the customs that accompany their lives , so the various creations that spring from different people or companies have great value because it is itself a representation of culture and history of man, and with such high value items, we present a science that seeks to study the different societies through different materials or elements that have endured over time and which are clear evidence of ancient societies and archeology is a science that seeks to understand more thoroughly on the various societies of the past through the remains of things that these companies were and that with the passage of time and still remain very useful as objects of study and research. We must bear in mind that archeology is not a mere auxiliary science of history, but an autonomous social science, with a proper ampo study, with scientific methods that allow themselves to proper compliance with the purposes you are looking for archeology. Giving a more precise concept about archeology, we can say that science studies to humans through different cultural materials which generated the old social groups, to ensure that the data are useful, conducting a systematic study of material remains, where not only plays an important role in whether the material element, but much attention is paid to the psychological elements that are inside the wreckage, ie the content of the thought of who owned the remaining material is under study. So with the material element and its implicit value of the characteristics of thinking of ancient societies have turned to archeology as a science that seeks to rebuild the lives of ancient societies. The development of archeology has been largely linked to studies on the prehistory and antiquity, since these periods of History does not have very clear some aspects of how society is set and features that accompany their lives, along with the search for material remains very satisfactory since, despite not having very good instruments in these times, are excellent remains, shown great ability of societies of those times. Notwithstanding the foregoing, archeology today has expanded its search ampo therefore changed its vision to stage more recent history such as medieval times, the modern industrial age and in a small amount to remnants of the current era of mankind, but what little archeology develops in response to the present time, is investigated municipal waste, which is called industrial archeology..

Grooming Your Horse

A horse with a cape and a shiny hair is generally considered well fed, well kept and healthy. The horses and ponies each year grow two layers – a layer of summer (short and smooth) that allows the horse to this cool in hot weather, and a winter coat (longer and more dense) to trap air near the skin and insulate against the cold. All breeds of horses and ponies produce natural oils to help lubricate the skin and coat condition. Horses in stables remove excess oils and dead skin cells when they are groomed and ready. Outside, the horses know Instinct stimulate rejuvenation in their skins by rubbing against the posts, hedges and trees, and rolling on the ground. The layers, skin and hair powder or mud, it also helps rid your skin of insects that cause great irritation. The natural way There's a lot you can do naturally to help your horse maintain a healthy coat.

The fiberglass units can work well to help your horse to pour (buy one made for horses). To the prepare a massage brush used in a circular motion can work well to remove dirt and loose hair to the surface. Then use a sheet of metal, then a block of charcoal. Finish alternating stiff horse brush, a soft brush, and finally a soft hair brush. There is much evidence to suggest that the use of. Along with correct choices of lifestyle, herbal remedies can make a difference in the health of your horse and prevent hair UNAA reduction.

Consider one. * Borage is an herb well known and borage seeds are often pressed to produce an oil high in gamma-linolenic acid (GLA). This herb has been studied for its effects on the skin support. * Horsetail (Equisetum arvense) is often used in cosmetics and natural shampoos. The topical use of horsetail is also approved to help heal wounds by the team of German experts from the Commission E. * The leaves of dandelion (Taraxacum officinale) are a great source of vitamin A, containing up to 1. 400 IU per 100g. Has also been investigated for their ability to support the immune system. * Rosemary (Rosmarinus officinalis) contains the active components caffeic and rosmarinic acid, which have been investigated for their antioxidant activity. This herb has also been investigated for their effects on the individual support hair growth. * Kelp (Fucus vesiculosus) has been investigated for their ability to support healthy flora on the skin. * Spirulina is a rich source of food, containing 70% protein, B-complex vitamins, phycocyanin, chlorophyll, beta carotene, vitamin E and numerous minerals. Spirulina contains more beta carotene than carrots! It has been studied for its nutritional value. While conventional medicine works often address only the symptoms, natural medicine strives to create holistic balance in the body to support systemic health, relieve ailments, and to help prevent future disease. Unlike pharmaceutical drugs, ingredients Natural natural remedies support overall health and functioning (rather than suppress symptoms.) All in different ways, some with immediate results, while others derive optimal benefits within 3-6 weeks. To ensure your horse receives optimal results, it is important to take natural remedies as directed and remain consistent. With a great interest in health and alternative medicine. I believe that natural remedies and alternative therapies have their place in modern medicine. I am confident that an informed person is potentially a more happy and healthy.

Traditional Games

We refer to those games that since long time ago are still enduring, passing from generation to generation, being passed from grandparents to parents and parents to children and so on, may suffer some changes, but keeping its essence. They are games that are not written in any particular book or bought in any toy (perhaps only a few elements). These are games that appear at different times and seasons, which disappear for a period and re-emerging. These can be found everywhere in the world. While there will be some differences in the way of the game on the design, use, or some other aspect, its essence remains. And it’s funny how all these games are repeated in the most remote places even with the characteristic mark of each place and culture. If we study these traditional games should not make one look very superficial.

They are unimaginable wealth when studied in depth and in its relationship with the culture of each region, the time it is played, people who played it. These particular features of the game environment account for a number of aspects socio-cultural-historical that help us understand them and understand the history and culture of our people. In investigating the origins of these games as they also see how each of these games comes in combination with cultural elements of the time, finding in general contained magical, religious, linked to the gods who tell us that these games were (and are) a mere hobby. Traditional games seem to be at risk of disappearing, especially in large cities and industrialized areas. We can see on the other hand, there are some emergencies of these games, which is imposed either by a particular time of year or as a fad that comes and goes after some time. Beyond isolated efforts were made to rescue these expressions play through various events focusing on these games, new editions of books that rescue and modalities in various parts of the world. In traditional games are a wide range of modalities play: children’s games and girls games, nursery rhymes, guessing games, never-ending stories, rhymes, games, drawing, toys, etc.. While some of these games seem to tend to disappear completely, a feature of them is emerging for a while, disappear and then reappear.

Some features that are repeated in almost all these games are: – are played by children the same joy of playing. – They are the children themselves who decide when, where and how to play. – Respond to children’s basic needs. – They are easy to understand rules, memorization and deference. The rules are negotiable, do not require much material or expensive, are simple to share virtually any time, anywhere.

Necessary Data On The Work Of Health Centers

What is most important in a person's life? Someone tell the children to other careers, but someone will probably say that it is the parents. Yet the most important in a person's life is great, but people do not care how nothing is really for us is. Often, when suddenly we start to care first emerged unexpectedly characteristic features of the disease, we did not find the necessary attention to these disturbing signals that subsequently develop into answered by a serious problem. Modern medical field has unprecedented opportunities early identification of any illness. Timely methods of dealing with the ailment in the early stages allow cure almost any ailment. The abundance of various health institutions may be confused.

Medical Center paid the nature of the phenomenon at the moment still quite popular. Solely that of all concerned question about the quality of services in such establishments here. Qualitative Medicine Center has a license that allows engaged in similar activities, with these institutions must be modernized medical equipment and opportunity to diagnose all ailments, even in the earliest manifestations to promptly apply the treatment. Venerable center of medicine course should have such an office such as physiotherapy, because this is the direction to given time is one of the most needed in medicine, many people rush to the health institutions with complaints, it is typical of this area of medical specialization. Keen competition forces medical centers add to the directory of services offered not only medical measures and recognition of ailments, but also a number of courses that not only positively affect to health, but also deliver pleasant feelings from their use. For these kinds of treatments include massage. The abundance of all sorts of additional medical procedures, indicates the high status of health-enhancing institutions. All professionals of these institutions must necessarily have an excellent skills and excellent knowledge of the business. In this case, your health will be in professional hands.