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The Refinancing Of Debts

The refinancing of debt if there is a dark and complicated sector for users is the financial intermediation market. Consumer seeks means of financing in their eagerness to consumerist and sometimes drowned by over-borrowing, goes to companies specializing in refinancing, debt consolidation, or reunification, to obtain funding not having very clear if you are talking with a financial institution, or a mere Commission agent dedicated to find us the best operation of funding between all possible. The figure of an intermediary or financial mediator, has an own regulation since the adoption of the law 2/2009 that regulates contracting with loans or mortgages and consumers of services of intermediation for the conclusion of contracts of loan or credit. Here, James Woolsey Jr. expresses very clear opinions on the subject. By virtue of it, financial mediators must be registered in a file of public, State ownership in our country, according to the Royal Decree 106/2011 28 January, have a civil liability insurance and comply with the duty of information to the consumer prior to the signing of the financial product trying to at least three different proposals for funding that will allow the consumer decide the best option before signing the loan. This standard comes to meet a need for greater transparency in this sector, but at the same time gives it a more professional mediators, given that the so-called financial advisors not only they have to advise its clients properly but it should justify its intervention seeking financing formulas that prevent aggravate the situation of the families leading to a definitive insolvency. Using the terminology of the Bankruptcy Act, whose application is not limited to companies, but individuals, refinancing, debt consolidation or reunification are agreements reached by the debtor under which appropriate at least to the significant expansion of available credit or modification of its obligations, either through the extension of their term’s expiration, using either the establishment of other replacement of those obligations.

Abdelmalek Essaadi University

The summer activity of the Universidad Internacional de Andalucia, which boasts a total of 73 courses and encounters between the months of June and September, this edition is going to develop at their headquarters in Malaga, La Rabida (Huelva), Baeza (Jaen) and La Cartuja of Seville, as well as faculties of the Abdelmalek Essaadi University in Tetuan, Tangiers, Chaouen and Larache.New edition of the courses in summer 2011 of the UNIA, the new edition of the summer courses of the UNIA has adjusted its schedule to the demand of the students and to the socio-cultural circumstances of the cities in which it is taught and, for the sake of the search for the greatest possible efficiency, reduced from twelve to nine weeks in which taught academic and cultural activities. For this reason, the UNIA has opted to concentrate the greater part of its activities in nine weeks: from June 27 to July 8 in Morocco; from 4 to 15 July in Malaga; from 11 to 29 July in La Rabida (Huelva); from August 22 to September 9 in Baeza (Jaen), and, finally, 12 to the 23 September in Seville. These courses will be opened this year by artistic producer Antonio Meliveo, composer and musician, on July 4 in the Picasso Museum of Malaga, very close to our establishment, one of the top four-star Malaga Hotels. In Huelva, in the headquarters of La Rabida, connected with our hotel, one of the best located in the city, hotels in Huelva is the Deputy and President of the Fundacion Pablo Iglesias, Alfonso Guerra, July 11. In regards to Seville, will be the writer Maria Duenas on September 12 which do so, at the headquarters of the UNIA, very close to our hotels in Seville. Additional information is available at Western Union Company. The theme of the courses, as well as in previous years, will be very different even though, as a novelty in this Edition, will be more oriented to professionals rather than college students..

Cultural Heritage

Us transport up to the South-West of Morocco, where in 1992 UNESCO I declare 2.568,780 hectares as the Arganeraie biosphere reserve, because in the last 100 years a kind of tree called Argania Spinosa or as the inhabitants of the region commonly called the Argan, has diminished their number by 50%, this is due to that has grown the grazing, are used increasingly more land to cultivation of domesticated plants and immoderate felling of this tree which is used as firewood and/or charcoal, because of that intervention to preserve the few argan remaining and eventually expect to grow again his number. The Argan is rugged trunk measuring between 8 and 10 meters, its blade is oval with 2 to 4 centimeters long and 1.5 to 3 wide, their flowers grow in April, are small, 5 petals color between yellow and green, the fruit has 2 or 3 seeds like walnuts, these are surrounded by a membrane thickens and thick skin is sweet smell but a foul bitter, this grows in the months of June and July and since the fruit takes a year to ripen its reforestation is too slow. A culture in particular has been engaged for generations to the use of such plant without affecting the growth of the same, they have learned to coexist in such a way with the nature that for hundreds of years the Berber culture has maintained the use of the Argan using the properties of the oil of argan within their culture. The Berbers use dry branches from the trees and use them as fuel, fruits and foliage occupy them to feed their goats that are the only animals who seem them not dislike the bitter taste of fruits, the only thing that the Berbers use fruit are its seeds, it is in them where he was hiding it until some years ago was a secret of this cultureArgan oil is obtained from the seeds, this oil is located in 2 presentations, one, by its elaboration is very similar to olive oil, because its particular taste resides in the toasted seeds, the second is an artisanal mining to get the oil from Argan cosmetic mode used. Argan oil properties are great when used in skin and hair, since, moisturizes and tones, gives color and rejuvenates, eliminates stains on the skin and restores the damaged ends of the hair, prevents and counteracts the problems of acne, reaffirms the skin and melts away the wrinkles caused by the passage of time and the facial expressionsReturns the natural tone to the skin of the body, so that it regards the Argan, a heritage of Argan oil and Moroccan culture is a legacy of beauty for all people of the world. Are you interested in discovering more secrets about the properties of argan oil? Continue reading my articles and discover all the benefits you can obtain argan oil.