How to avoid a spiral of debt?

Paying off credit card debt is more difficult to repay than monthly installments of other major loans, such as personal loans or mortgages. According to an analysis by the Observatory of Family Financing of the Negotiating Agency, for 35.6% of the users of credit cards, paying off their debts with these cards is the greatest monthly financial effort. Figures lower than in 2013, where 41.2% of users classified their debts with credit cards as the most complicated to settle.

Habits to avoid overdependence

Credit cards are a very useful tool that allows us to access money quickly at any time and is perfect for larger expenses than expected, however, its excessive use can lead to a spiral of debt from which it will be very difficult to leave. good debt consolidation programs can help you. Here are 10 habits to avoid over-indebting us when we use our credit cards:

  1. Establish a budget: know what we want to buy with our credit cards and how much it will cost, so we can know and analyze the expenses before making them
  2. Do not buy impulsively: to avoid buying whims that we can not afford, it is better not to carry credit cards and carry them only when we have a specific purchase that we want to make
  3. Find alternatives to credit: analyze if it is an expense that must be immediate or if we can wait and save to avoid having to use a credit
  4. Identify the best means of payment: if we make the total payment the following month, they will not charge us commissions; instead of paying the minimum will take a long time to repay our debt completely and pay many interests. If paying the next month is not the most convenient for us, we must find a balance between an affordable monthly payment with the shortest possible term
  5. Not having several credit cards: a credit card is enough, when we have several we can risk using a bit of each and end up with a large debt
  6. Take advantage of the discounts offered by the cards: the vast majority of credit cards grant discounts or refunds on our purchases, this can help us save a small amount per month
  7. Know the conditions of our credit cards: we must read the contract in detail to know the mode of payment that is automatically assigned (and change it if not the one that suits us), know what interest or commissions will charge us and other conditions what it takes to have a credit card
  8. Keep track of the expenses incurred: keep all the receipts together and have a clear idea of the expenses we have made with our cards, so we will avoid spending more and we will know when we have reached our maximum limit
  9. Avoid unnecessary commissions: there are many free credit cards that we can hire to avoid having to pay the issuance or renewal fees. It is important to know that having cash or transfer to our account always includes a commission, for these operations, it is better to use a debit card
  10. Be aware of our creditworthiness: nobody better than us knows our monthly income and expenses. Knowing how much money we can use is crucial to making good use of our credit cards

What are the credits without paperwork and the credits without payroll?

Image result for paperwork
Although the product offered by fast-loan institutions is usually the same, there is a certain nuance when it comes to loans without papers, without documentation or without payroll.

What is a paperless loan? What is a non-payroll loan?

Most entities require a lot of information about your project to be able to grant you the loan: explanations, endorsements, payroll … all this paralyzes access to the credit you need quickly. We know all the complications that this type of situation entails for clients, so at Creditomas.es we want to facilitate the conditions of access to credit, eliminating the excess of bureaucracy and all the accessory information. We only require the minimum information to make sure you can repay the loan.

A loan without papers or without documentation saves all this time in negotiations and documents to offer you the money you need at the moment. Only by connecting online with your bank to ensure greater confidence and security, you can receive your money for whatever you want. We ensure that all information is private and confidential, as we work with the utmost seriousness and professionalism. And we are regulated by the Spanish Agency for Data Protection.

When we refer to a loan without a payroll, we can interpret it as the need to provide proof of payroll or income, although it really emphasizes that it is not necessary to have an income from a payroll. That is to say, in Creditomas we do not demand a payroll corresponding to a stable labor contract to be able to process a microloan request. Revenues can come by other multiple routes such as benefits, pensions or self-employed billing, plus a payroll by itself is not synonymous with economic solvency.

Credits without payroll and without paperwork

What are the advantages of asking for an online loan?

A breakdown in your vehicle, a family unexpected, a longed-for vacation, the repair of an appliance … are everyday situations that we all face at some point and we do not always have that amount at that moment. An online Bridge Payday loan allows you to solve all these problems without having to spend hours and hours in banks. Asking for a loan online allows you to access the credit without endorsements, payroll or explanations. We summarize the advantages:

– Online loan management: Saves the bank in terms of travel, avoids queues and bureaucratic management time. From your own home, ask for the online credit easily without rushing or waiting of any kind.

– Money at the moment: Once our advisors approve the credit, it will be sent to the bank account of your preference without further paperwork. The time of
Reception depends only on your own bank, but the usual thing is to dispose of it in less than 24 hours.

– Credit without bureaucracy: Although it is always necessary to carry out some solvency verification procedures, the excess of bureaucracy does not contribute any value, neither for the client nor for the entity. A credit without paperwork minimizes this paperwork and offers the client the necessary security through the greater efficiency and efficiency of the process.

– Minimum requirements: To request a mini credit is not necessary to have payroll or endorsement. Many times the income comes from other sources: as unemployment benefits, pensions, family transfers … so we just need to check that you can return it. As simple as that!

How to ask for a quick credit?

Requesting a loan without an endorsement can be very difficult, but Creditomas.es makes it easy for you. Select the amount you need and the term in which you wish to return it, register on our website by filling out a small form, where we will ask you for your basic personal information and … that’s it! Soon we will call you to confirm that your data is correct. Once you identify yourself as a user, you must connect through your bank for security reasons. As long as you meet the requirements we ask, you will receive your money at once! You can always check the status of your request whenever you want by accessing your private account.
Requesting a loan online was never so easy and its return was not. If you are a new client, you can request a free mini loan of up to € 300. The return of the loan without papers is also very simple, you just have to make a bank transfer to the account number indicated. Once you make the refund within the agreed period, you can re-apply for another loan of up to 900 euros! If you can not return the money within the agreed period, you can request an extension of 7, 14 and 30 days. Check the conditions of the extension on our website.

What requirements must be met to request a credit without paperwork?

To apply for a loan without paperwork, you only need to reside in Spain, be between the ages of 21 and 70, own a mobile phone and not appear on any list of defaulters.
Now that you know what loans are right now and that we even have interest-free loans, do not hesitate to contact Creditomas.es to get the money you need. We will answer any questions or queries that may arise.
Write to info@creditomas.es and get that online credit you need to make your projects come true.

  • First loan
  • I am already a client

How much do you need?

  • 300
  • 600

– + EUR

For how long?

  • 7
  • eleven
  • 16
  • twenty-one
  • 25
  • 30

– + days

Details:

Loan amount Interests Amount to return APR (APR) Return date Receive your loan Information about the Loan

  • First loan
  • I am already a client

How much do you need?

  • fifty
  • 300
  • 600
  • 900

– + EUR

For how long?

  • 7
  • 14
  • twenty-one
  • 30

– + days

Details:

Loan amount Interests Amount to return APR (APR) Return date Receive your loan Information about the Loan

From Monday to Friday from 9:00 a.m. to 5:00 p.m.

Opening hours 9:00 – 17:00 E-mail: info@creditomas.es Tlf. 910 47 00 47 Chat with operator    

From Monday to Friday from 9:00 a.m. to 5:00 p.m.

Opening hours 9:00 – 17:00 E-mail: info@creditomas.es Tlf. 910 47 00 47 Chat with operator     × Close

 INFORMATION FORM

 

EUROPEAN NORMALIZED INFORMATION ON THE CREDIT TO THE CONSUMER

1. Identity and contact details of the lender.

Lender:

Sistemas Financieros Móviles SL

Address:

Avenida Bulevar Prince Alfonso de Hohenlohe s / n, Milla de Oro Building, Office 9, 29602 Marbella (Málaga).

Phone number:

910.47.00.47

Email:

info@creditomas.es

Website Address:

www.creditomas.es

Registry:

Registered in the Mercantile Registry of Málaga, volume 5310, book 4217, folio 151, sheet MA-124432, Inscription 2.

2. Description of the Main Characteristics of the Credit product.

Type of credit:

Consumer loan, in the modality known as “online microloan”.

 The Total amount of credit:

Conditions governing the disposition of funds:

As soon as the Loan request is approved by the Lender, once the decision of the Borrower is confirmed, a bank transfer is made to the account provided by the Borrower in the loan application.

Contract period

calendar days from the approval of the Loan. When the aforementioned payment date coincides with a day considered to be non-business, the payment must be made on the immediately following business day.

The terms and, where applicable, the order in which installment payments will be made:

The Borrower must return the amount set as Loan with the processing costs on the payment date that is calendar days from the loan decision. The borrower must make a single payment of € (loan amount)
Interests and/or expenses: € to pay for the borrower before the expiration date in the bank account indicated on the Lender’s website.

The total amount that you will have to pay: That is, the amount of the loaned capital plus the interest and expenses related to your credit.

a single payment of € (Capital borrowed plus interest).

Guarantees required:

Do not.

3. Credit costs.

Debtor type:

Fixed% for the duration of the Loan.

Annual Equivalent Rate (APR) The APR is the total cost of credit expressed as an annual percentage of the total amount of the credit.

% TAE

Where:

  • X is the APR.
  • month: the order number of the last credit provision.
  • k is the order number of a credit disposition operation, so 1 ≤ k ≤ m.
  • Ck is the amount of the provision number k.
  • tk is the time interval, expressed in years and fractions of a year, between the date of the first disposition operation and the date of each of the following dispositions, so that t1 = 0.
  • m ‘is the order number of the last refund or payment of expenses.
  • l is the order number of a refund or payment of expenses.
  • Dl is the amount of a refund or payment of expenses.
  • Sl is the time interval, expressed in years and fractions of a year, between the date of the first provision and that of each reimbursement or payment of expenses.

     

Is it mandatory to obtain the credit itself, or, under the conditions offered, take an insurance policy that guarantees the credit? Or another accessory service?

Do not.

Related costs (expenses for the use of a means of payment, notarial expenses):

No, they do not apply to this product.

Costs in case of late payments. Failure to make a payment can result in serious consequences (for example, forced sale) and make it difficult to obtain a loan.

The non-payment at maturity of any amount arranged under the Loan will entitle the Lender to demand from the Borrower, in addition to the unpaid amount, a penalty of 1.00% per day, with a maximum limit of 200% over the principal amount. In addition, for every reminder that we should send you in case of default, 7.50 Euros will be charged.

4. Other important legal aspects.

The right of withdrawal:

The right of withdrawal may not be exercised if the Loan has been executed in full by both parties at the express request of the Borrower.
In other cases, the Borrower will have a period of fourteen (14) calendar days to withdraw from the contract remotely, without indicating the reasons and without any penalty.

Early repayment:

You have the right to prepay the credit in whole or in part at any time.

The Borrower has the right to return the Loan, in whole or in part, at any time before the agreed maturity date without additional costs.

In case of early repayment, the Borrower will be entitled to a reduction of the total cost of the Loan, with a deduction by the Lender of the compensation for the costs derived from the early repayment that will not exceed 0.5% of the amount of the Loan repaid in advance.

Query a database:

The Lender may collect information regarding the credit history and risk positions of entities providing information services on creditworthiness and credit (in particular, the Credit Service of Asnef-Equifax and Experian / Badexcug) to carry out risk analysis credit, monitoring, and control of financing.

Right to a project of the credit agreement:

The Loan Applicant has the right, upon request, to obtain a free copy of the draft credit agreement. To do this, you must be willing at that moment to conclude the loan contract

The period during which the lender is linked by pre-contractual information

The information will be valid from the moment the lender notifies its decision to grant the requested Loan.

5. Additional information.

a) Relative to the Lender.

It is not subject to the supervision of the Central Bank of Spain.

b) Relative to the credit agreement:

If applicable, the Borrower shall have a period of 14 (fourteen) calendar days in which he may communicate his intention to exercise the right of withdrawal to the Lender leaving the proof of the notification in any way admitted by law.
In the communication you must indicate your name; your ID number and the date of issuance of the Loan Decision.
It must be sent to the following address: Sistemas Financieros Móviles SL. Avenue boulevard Prince Alfonso de Hohenlohe s / n Building Mile de Oro, Office 9, 29602, Marbella (Málaga).

The legislation that the lender accepts as the basis for establishing relationships with you before the conclusion of the credit agreement:

Spanish Legislation

Linguistic regime:

The information and contractual terms will be provided in Spanish.

c) Relating to the resource:
Existence and access to extrajudicial claim and appeal procedures.

Claims should be sent to the email info@creditomas.es or, in writing, to the address of the Lender: Sistemas Financieros Móviles SL. Address: Boulevard Bulevar Prince Alfonso de Hohenlohe s / n, Milla de Oro Building, Office 9, 29602, Marbella (Málaga).
Likewise, the Lender is a company adhering to CONFIANZA ONLINE and, in the terms of its Code of Ethics, in case of disputes related to online contracting and advertising, data protection, child protection, and accessibility, it may resort to the extrajudicial resolution system of TRUST ONLINE controversies.

 

Video game scams are million dollar business

Cologne – “Cheater” – this is what video players are called, who gain advantages with unauthorized technical means. Many spend money on it and poison the game world. Millions of dollars are being made in the constant arms race.

 

Image: Young man with smartphone - at an angle 

Cheats were once found in almost every game. If you’re gambling a bit longer, you might remember the codes for new weapons or more play money in “Doom” or “Warcraft”. And on consoles, for example, there was the so-called Konami code, a key combination with which players could gain a small advantage in several titles of the Japanese developer.

Unlike today’s cheats, these little chicanery games were part of the game, built by the developers as an extra service for lazy or experimental users. But they were mostly only usable in single player mode. Cheating was prohibited in competition with other players.

Competition entices many

This is different today: Popular cheats and hacks come from the outside, so as an additional program. And by far the biggest offer is for popular multiplayer titles like “Counterstrike”. For the tactical shooter there are, for example, aimbots that take away the player’s aim, or wallhacks with which he sees enemies through walls. For tactical games such as “League of Legends” or “DOTA 2” exist tools that take the player tasks or uncover the entire map.

Sure, that’s a huge advantage – and also clear that this does not go down well with other players. “Once there are cheaters, players lose confidence in a game,” says Marcel Menge, anticheating expert at e-sports organizer ESLGaming. “It can go so far as to poison the climate of a whole community.”

Allegations are made quickly

Because where there are cheaters, the accusation is “You cheater!” usually not far. Even if the other one is just better. This spoils the mood over time – and the sports spirit. “One of the dangers of cheating is that it leads to more cheating,” explains scientist Jeremy Blackburn, author of several studies on the subject. “When I see people cheating, I’m more prone to try it myself.”

At the same time, such scams are not considered a trivial offense among players: disguised cheaters quickly become outsiders in the community. Why are so many trying it anyway? “Cheaters just do not think they’ll get caught,” says Blackburn. “And many actually get away with it, at least for a while.”

When money comes into play, fun often stops

For many, cheating is just about the feeling of being superior to others, Blackburn said. In addition, games are no longer just about fun – but also about money. Why cheating is not only a problem for the masses of casual gamers, but also and above all for professional e-sports tournaments like ESLGaming.

“On our two platforms, we locked 4200 people for cheating last year,” says Anticheat expert crowd. “That’s well below the single-digit percentage range.” The scammers are mostly good players who would have a chance even without cheats. “As with doping in cycling, it’s more about getting the last bit out of it.”

To prevent this, ESLGaming obligates its athletes in online tournaments to use special anticheat software – a kind of urine sample for the PC. “It works like a kind of virus scanner that participants in our competitions have to install on their computers,” says Menge. The software will then detect if unauthorized helper programs are running alongside the game.

Manufacturers try to stem scams

For Otto normal players, the fight against cheats is not quite that far: Here are the publishers of the games that fight the cheats – Valve for “Counterstrike” for example, Blizzard for “Overwatch” or Riot Games for “League of Legends” , Anticheat software such as EasyAntiCheat, VAC (Valve Anti-Cheat) or Punkbuster are usually integrated into the game software.

The user will notice nothing of it in the ideal case. But in the past, there were always a lot of problems with inquisitive anticheat solutions, which screen the whole computer in search of cheats. What information the tools collect there and what happens with it, the user can hardly understand.

Legal disputes with commercial cheat developers

In addition, the anti-leak solutions can not filter out all scammers. Because behind the cheats is a whole industry with development teams and professional download shops, in which there are even money for cheat subscriptions – constant updating guaranteed. “We have our own development team there to respond to the latest developments,” says Menge. “This is a constant race between cheat developers and people like us.”

Publishers like Valve and Riot are also legally against cheat developers – and achieve some damages in the millions. If you only use cheats, you do not have to fear that. Legal trouble threatens cheating but still. “If you play a game, you enter into a contract of use with the provider of the game,” explains lawyer Konstantin Ewald. “And in these contracts, it’s commonplace that you can not use the games with technical tools like cheats or bots.”

Anyone who violates this must expect penalties. “There are a number of sanction options available to providers,” explains Ewald, an expert on playing law. The most popular variant of this is to lock the player – either for one game and on time, or for a whole platform and forever.

 

 

The Assassin in the French Revolution ‘Super Smash Bros’, a great jewel for Wii U but with a slight scratch

A pending debt with the console

 A pending debt with the console  

 

There is no way, time is winning the game. The games accumulate on the shelves and hard drives and I hardly find time to get serious with them. Daily work, exercise and social life have a lot to do, but they are not the only reasons that have kept me away from consoles.

During the last month, something chaotic, the computer and Blizzard have been very guilty. Warlords of Draenor and Hearthstone have absorbed my meager dead times. The latest expansion of World of Warcraft , in which the company has thrown the rest, has managed to catch me and has made me relive some experiences similar to those of the early days of the game and the Burning era.

Apart from that, Wii U is the machine that has stolen me the longest, with Smash Bros alone and with Mario Kart 8 when friends have come home. Well, that and Mario Party 9, a safe value but we already have very trite (wishing I’m that Nintendo launches one for Wii U).

Meanwhile, the rest of consoles and games accumulate dust. I have hardly played the Dragon Age Inquisition , I have the Killer Instinct abandoned, I have lost the hope to spend some time the new Assassin’s Creed and Sunset Overdrive and Call of Duty: Advanced Warfare deserve much more time than I have dedicated so far.

However, there has been a fact that can be a turning point from which I began to better distribute the time I dedicate to electronic entertainment: my subscription to WoW has expired and I have no intention of renewing it, no matter how much I deserved it. sorry (and I think that in quality, the game is worth it). This has allowed me to propose new gamer goals for 2015: play all the consoles, at least try all the games that come into my hands and write a lot, much more than until now.

To show that my intentions are good, I conclude this short post and I am going to practice a bit the aim in Far Cry 4 .

Seriously, where do people get time to play? My self a few years ago would have the answer, but I can not ask.

Stored in: Consoles

6 comments

 6 comments

I think you’re not the only one. I am exactly the same.

It is clear that there are certain “infinite” games that are a “time-out” and I usually avoid them. You have mentioned two of them: WOW (which I have never played, nor win) and Heartstone (who installed it when it came out but I have not put myself in depth with it for the same reason). But, in my case, I have other games that could be applied the same criteria: PES 2015, Gran Turismo 6 and Mario Kart 8. If we add the GTA V online, because we already have it bundled, there is no time for other things.

I have a friend who says that all the games he is accumulating can enjoy when he retires. And it is that hope is the last thing that is lost

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** Further information on official fuel consumption and official CO2 emissions of new passenger cars can be found in the ‘Guide to Fuel Consumption, CO2 Emissions and Electricity Consumption of New Passenger Cars’, which is available at all outlets and at Deutsche Automobil Treuhand GmbH at www .dat.de is available free of charge.

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Investment Advice – Superior ? Worth Having To Pay For?

If you are skeptical of them offers, you could have good reason to be. See, credit consolidation companies are typically in the business to dollars. Even if they are non-profit organizations, they still need noticeable an income to cover their disbursements. So what’s the catch? Is free debt consolidation offers really free?

As a child, I sincerely believed the word Chase on this dad’s cost card was some sort of anti-theft device. I envisioned a thief getting as much exercise use the actual to buy groceries, the cashier seeing Chase on it, then it the entire store’s staff running the thief lower down. I really thought it meant ‘chase chore down, they shouldn’t have this.

Basically offering solutions does not make a credit card company a good. Some credit card bills charge fees for investment services online and Internet bill commissions. The best credit cards together with access to the services at absolutely no cost.

If market or topic . to buy mutual funds with minimal of along with effort on this part, contact an investment top quality. Even though these folks usually call and solicit you, might call these businesses. Look in the phone book under financial planners, stock brokers, or investment services reviews. Some life assurance agents sell mutual funds as actually. Perhaps your local bank has an agent on board who sells mutual resources.

Go along with a company by using a dedicated account executive. Ask the processor what happens if your bank account executive departs? Can you be assigned a 1? An excellent account executive assists to save you lots of time and money which are worth a little extra fee for that service.

Many banks withdrew their offer this is your prepaid debit card market was put together. You no longer have access to a visa or master card that can rebuild your history, we can and ought to take action to fix your FICO score. Probably the most influential response to our recent economic trouble is that banks have entirely changed their approval requirements and thus your background has never been more essential.

Things To Know About Low Interest Credit Cards

Having a charge card can supply a false sense of security. Somehow you find yourself being influenced to make purchase after purchase by that little actual plastic between your fingertips. It is a very common scenario. And if you are a part of the working class, it’s unexpected that you will be able to afford to pay your balance in normal. So you find yourself paying the minimal amount due printed on your statement every month, only to discover months later that you’re that hard where you’ve started.

If in order to have a hard time getting a traditional payment because include no credit history, down the road. Start by using a retail or gas card. A secure card additionally a choice. Retail cards are administered out by department stores or electronic stores. You can apply for about 2 cards and utilize it regularly to buy things. Unique you pay all your bills on time so that the credit history starts to get established. Begin to keep the balance at zero each month by expenses on experience.

There are dozens and dozens and dozens of reliable pay period advance lenders out there for you to decide on from. Some lenders will have high rates and outstanding payment plans, while others, well, won’t. Sort through these lenders and know which one that best suits your necessitates. what you need for a payday loan? Don’t worry if you’re short on time, as finding a professional payday loan company shouldn’t take any upwards of 10-15 moment.

An excellent tip in the realm of personal finance would be to always make the most of the best balance interest-free credit cards offers presented. By shifting higher interest debt onto a card offering attractive terms and repayment options, you can realize significant savings and establish a very positive relationship with the issuing fiscal.

Compare zero percent balance transfer credit cards inside a comparison website and you will information on dozens of credit card offers. If you’ve got the right information, you’ll find it easy to find the best choice for you.

You may have a bank account in a few reputed bank of the world. You can find Swiss bank, Barclay’s, city bank or all the other banks for you to open an up-to-date or family savings. After that with your card you can access the money nearly anyone and everyone in the exciting world of. Bank account comparison is really important whenever where you will take credit for your need. For anybody who is not associated with the rules then down the road. End up in the mess that does you is always advisable to pick bank account comparison because lowest rate loans for the need so that your interest rate can be cheaper. And here comes the point what would you actually understand by hugely best economic. This is merely the annual percentage rate that matters to ordinary people could be and I am.

If you’ve got an interest free credit card offers of $1,200 to get being charged interest at 20% APR, you are paying $240 per year ($20 per month) in interest. That’s $20 a month you spend – to get nothing! Chances are if you carry store card debt, you carry over $1,200, or maybe your interest rates are higher than 20%. During this case, are usually spending approximately $20 a month for no.

Save money by starving at restaurants or getting take gone. Only eat at restaurants on special events. Fast food menus may seem cheap, although they really aren’t. Cooking at home with better ingredients produces better meals than found at the best food or carry out place, as well as saves basically lot money. You will also come to appreciate the art of preparing.

Check the terms of the several credit card deals you will be interested down in seeing if any fees will pay. Sometimes the fees alone will be so substantial that they will erode any savings that you’ve got achieved I’m able to 0% Payback rates. There are two types of fees take into account. Balance transfer and annual fees. Some credit card offers can have both, some people have one, while others won’t have any fees. Because I have said before, not every zero percent balance transfer credit cards are the same.