Forgotten Valentine's Day Gift? Tips and tricks to make Valentine's Day better

In stressful times, Valentine’s Day and Valentine’s Day Gift sometimes go down. You simply did not think that your dearest would expect something from you for Valentine’s Day or forgot Valentine’s Day? The romance remains on the track. Suddenly you remember it the same evening. But what now? The shops are already closed and flowers or chocolates from the gas station are not the best alternatives – on the contrary: they only make things worse! In our blog we tell you some tips and tricks on how to make up for Valentine’s Day.


Forgot Valentine’s Day? Need is creative and romantic

Forgot Valentine

Clever pull out now a pin or sit down at the PC and tinker the same evening a voucher. Especially important when creating the voucher is that it should not look as if it had just been made. Take the time, use symbols and colors of love and let your creativity run wild.

And what do you want to give away? Shared time is the most popular gift for Valentine’s Day . Give away a city trip to the city of love or a romantic candlelight dinner. YOU goes like shopping and would be glad if you were there? HE’S a paintball player and wants to finally play against you? The most beautiful gifts for Valentine’s Day are often the shared experiences that you can remember together.

The perfect Valentine’s Day gift: Realize wishes

The perfect Valentine

Stay true to romance and find an unforgettable gift for Valentine’s Day . A homemade voucher gives the gift a personal touch. What did your sweetheart always want to experience with you? The weekend in Amsterdam; the visit of Disneyland Paris or the amusement park around the corner; a test drive in a convertible, bungee jumping or hot air balloon ride. No matter what you want to experience and do with your sweetheart, the romance must not be missed!

Xpresscredit: Valentine’s Day is saved

Xpresscredit: Valentine

You forgot the gift for Valentine’s Day or the money was not enough for your idea on Valentine’s Day ? No problem: with the quick and easy online loan from Xpresscredit, you can retrofit almost any Valentine’s Day gift and surprise your partner on the evening of Valentine’s Day or the following day.

Take advantage of the opportunity to take out a low-priced microcredit and get 0% interest on your loan: Select the loan amount and the repayment term, enter the coupon code into the appropriate field and select the XpressService. The money is in your account within 24 hours.

Retro gift for Valentine’s Day: borrow money made easy with the Xpresscredit

Sometimes it has to be a special gift for Valentine’s Day , especially if you forget it. Then a little Valentine’s gift is not enough. But what to do if the money is currently scarce? The Xpresscredit is the perfect solution and allows you for Valentine’s Day or another day bigger jumps than usual: You can apply up to 600 € quickly and conveniently online. If you have already taken out a loan with us, then you can apply for the second loan up to 1,500 euros with just a few clicks per login. This will certainly be on Valentine’s Day realize an extraordinary Valentine’s gift.


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Romantic getaway for Valentine’s Day

What banks say they offer, and what they really offer

Image result for banks canadaDo banks really offer the products and rates they promote? If you are looking for the term “bank loan” on Google, you will be bombarded with results featuring mortgages, personal loans, home equity lines of credit, credit, etc. However, will you really qualify? Maybe, but we’ll have to dig a little deeper to determine the requirements for a strong qualification.

First, let’s look at the rates that are offered by banks. All banks are in constant competition for the most competitive rates and the lowest. However, what they do not tell you is that each posted rate includes a multitude of terms and conditions. These conditions reflect the qualification requirements of the bank in question; good credit, income, and job stability. If you go into a bank after hearing something about any rate, but you are not necessarily aware of the usual loan requirements, and you are not an experienced negotiator, the bank will benefit of this situation and will try to finance you at higher rates than you deserve. At the end of the day, his only goal is to make the most money possible at your expense.

Banks want to give money to people who do not need it. In other words, they are looking for security. If your financial situation seems unstable, the banks will do everything they can to increase the loan rate, and only if they want to take you into consideration! If you are in the market for an unsecured loan, the banks will not be likely to offer it to you. All they want is to see their loan secured by a property, a vehicle, or whatever.

A good way to protect yourself from opaque products, rates and conditions of a bank would be to visit a mortgage broker. Mortgage brokers already know the products, and they have a realistic understanding of the rates promoted by the lending institutions. It is a lot harder for a bank to do at its head with a competent and experienced mortgage broker. In addition, mortgage brokers do not work for banks, they work for consumers. Their income comes from commissions earned from the business they provide to the banks, so they want to finance you, it’s in their best interest to do that. Not only that, but good mortgage brokers that raise a lot of opportunities for banks are rewarded with exclusive rates that are neither displayed nor promoted by the banks. This means that by visiting a mortgage broker instead of a bank, not only are your chances of qualifying increasing, but your potential to save more is also increasing! Your local bank probably did not share these details with you, did it?

What does this mean for people who have bad credit?

Image result for bad creditIt is more difficult to find a loan and it is more difficult to borrow at a good interest rate if you have a bad credit score or bad credit history. This is public knowledge. However, given the fact that banks make it difficult to obtain mortgages, home equity loans or personal loans if certain specific criteria are not met, what are the alternatives that remain for those who have bad credit?

Whether for secured loans or unsecured loans, the safest option is to visit a private lender. However, these lenders are hard to find. Quebec Loans does business with private lenders, so we can help you find financing from a private source if you visit our application page.

Other alternatives include credit unions, investment banks and other types of credit institutions.

The financial entities already admit mortgages of 77 years

The bank extends terms, offers shortages and negotiates to avoid default

The bank extends terms, offers shortages and negotiates to avoid default


Financial institutions are massively lengthening the amortization of mortgage loans and have raised the maximum age they consider eligible to be mortgaged, up to 77 years in the case of Bankinter …, near the life expectancy of Spanish men, which according to the INE is 77.5 years. There are conditions, however, for those looking to buy a flat, which now finds few facilities in the financial sector, but for those who were mortgaged in the real estate boom and now have problems paying the installments of their loans , a segment that represents the 7.7% of Spaniards according to the same INE.

Until a few years ago, the entities matched the total amortization of the mortgage with the end of working life, in the 65 years. With the boom, and the need to finance increasingly expensive apartments, the duration of the mortgage was extended from 30 to 50 years, forcing in turn to postpone the maximum age suitable up to 70 years. Now, most entities extend the limit up to 75 and some, in the individual negotiation, already go further. When neither these new age limits are sufficient, the entities resort to other formulas, such as requesting that a child who can be below the maximum age upon cancellation of the mortgage be included as co-owner of the mortgage, says Gustavo Reguero, head of banking business. of Tecnocasa.

“The bank is looking for ways to prevent the customer from paying because he wants to avoid having to stay at all costs: that forces him to make provisions that go directly against his income statement,” says Pedro Javaloyes, spokesperson for the Negotiating Agency of Banking Products. Passing a loan of 30 years to 50 reduces the monthly payment by 23%, which for an average mortgage (of 117,000 euros, according to the INE) means a saving of 120 euros per month. This formula also has an added attraction: since the anti-crisis measures approved by the Government in 2008, there are no management costs or registration fees.

When extending the term of amortization is not enough 

When extending the term of amortization is not enough 


er formulas, like lacks in the reimbursement of the capital (that nevertheless reduce little the quota if the mortgage is recent ) or even in the payment of interest. When this is not enough, banks are accepting other options such as managing the sale of the home, “accepting even a small loss on their outstanding mortgage”, or keeping it by a dation, that is, avoiding judicial execution, a long and expensive procedure (with costs of lawyers, solicitors, etc.). According to Javaloyes, if the current value of the home exceeds the market value, banks can accept that the donation pays the debt. Otherwise, they accept the dation if the client acknowledges the remaining outstanding debt, sometimes without demanding immediate payment, while in other cases they require a soft loan, at low rates, with initial deficiency and long-term maturity, so you can pay off your debt when your situation improves.

Rubén Sánchez, the spokesperson for the consumer organization Facua, regrets that in Spain the debt is not considered settled with the allocation of the home by the bank, as in the United States. “This is the most serious problem: to be without a floor and with a huge debt. With the desperation to avoid losing the floor, in addition, people do not look at the consequences of what they sign: for example, after the lack of interest, many times a higher fee is paid to compensate “. Also lengthen the mortgage is very expensive: 20 years more, for example, can increase by 50% of the amount paid for housing finally.

While the entities show a flexibility unthinkable a few years ago with mortgages that cannot pay the installments, they are very strict at the time of giving new mortgages to buy a flat. Here, paradoxically, the maximum term offered to applicants has decreased, so that they are now hired for an average of 27 years. Gustavo Reguero, of Tecnocasa, assures that “they also finance a lower percentage of the appraised value, of around 75%, and require that the fee be less than 40% of the applicant’s income. Furthermore, they do not measure this effort at the current interest rate, historically very low, but at 5%, anticipating that the rates will surely rise. “

some elderly in Spain would like to be mortgaged: being owners of flats

some elderly in Spain would like to be mortgaged: being owners of flats


that are worth a lot of money, have low pensions and few savings, but very few entities accept mortgages over 65 years. A bad credit loans same day completely online can provide funds to renovate the apartment by installing an elevator, to live more easily or to help a child with financial problems.

Part of this problem is covered by reverse mortgages, which provide monthly income to supplement the pension. To enter from a higher sum, the firm CreditServices markets a mortgage that may be valid until 90 or 95 years. Cristina Bono, national director of this network of financial intermediaries, explains that the home is required to be free of charges and that the credit does not exceed 35% or 40% of the appraisal value. The idea is that the owner of the home enjoys the credit and that his heirs pay for it, or else they subtract their amount from the income they will obtain when selling the property.

Turkey: The lira staggers – but who is to blame?

Turkey The lira staggers – but who is to blame?

Image result for turkey lira

  • Recep Tayyip Erdoğan is of the opinion that Turkey has been “stabbed in the back and feet” as a NATO partner.
  • He sees the blame for the currency crashes and for the crisis in the country with others – and even speaks of “economic terror”.
  • Financial analysts see the situation with a little more distance: they do not believe that the Turkish crisis can trigger a “conflagration”.

Markus Zydra writes as a finance correspondent in Frankfurt and reports mainly on the European Central Bank. He previously worked as an economics editor at the Financial Times Deutschland and FAZ. In the 1990s he was a Scandinavian correspondent for the Süddeutsche Zeitung in Stockholm.

On Monday, Recep Tayyip Erdoğan gathered Turkish ambassadors from all over the world in his palace in Ankara, and then off to lunch. He spoke of the “champion of the global system,” but did not name the United States directly, but everyone knew who was meant. Like US President Donald Trump, Erdoğan likes to use personal du in international diplomacy. “You can not just wake up and say, ‘I introduce these duties on steel and aluminum.’ You can not say that, ‘Erdoğan scolded, and it was clear that he was talking about Trump. Turkey had been “stabbed in the back and feet” as a NATO partner, Erdoğan said, getting into gear. He even hinted that Turkey was ready for a war. States that wanted peace had to be ready for war, he said. “We are ready with everything we have.”

The reactions of the Turkish diplomatic corps are not known. In the morning, the Turkish central bank was still trying to slow down the decline of the lira and limit the impact on the local economy. She announced that she would provide Turkish banks with enough money to stabilize them. Finance Minister Berat Albayrak also pledged an “action plan” to help small and medium-sized companies that are particularly affected by the collapse of the currency, without giving details.

The crisis has worsened considerably as a result of a dispute with the USA

Image result for turkey dispute with usOn fears, currency accounts in Turkey could be blocked, which also spread via social media, the presidential office responded with a tweet. “A confiscation of bank accounts is out of the question,” tweeted Fahrrettin Altun, the head of communications for the president. Altun criticized some people “fabricating” such messages. The pro-government newspaper Sabah reported on Turks who followed Erdoğan’s call and exchanged dollars, euros and gold for lira: The mayor of the Black Sea town of Rize, Reşat Kasap, sold his wife’s gold jewelery; In Erzincan there was free tea for 100 exchanged dollars, in West Anatolian Düzce a free haircut.

The well-known Turkish economist Güven Sak reminded that the value of the lira had fallen by 70 percent in the past decade, even before the recent crisis with the US. The decline began when Turkey left its reform course in 2007, but the biggest losses have been since 2014.

The crisis has worsened considerably as a result of a dispute with the USA. Trump demands the release of US pastor Andrew Brunson, who has been detained in Turkey for 20 months. The Turkish judiciary refers to him as a terrorist helper, the 50-year-old denies the allegations. Turkey in turn demands the extradition of the preacher Fethullah Gülen, who lives since 1999 in Pennsylvania. Erdoğan accuses him of being the mastermind of the 2016 coup attempt. Erdoğan and Gülen were once allies, today they share a deep mutual antipathy. Many Erdoğan critics in Turkey believe that Gülen’s network was behind the coup attempt. This burdens the relationship with the US beyond the government camp. There is also a dispute over the Syrian policy and the US Iran sanctions.