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Receive all your faxes without a fax!

For those of you who need to receive faxes, I recommend the service Monfax.com which allows you to get free without subscription a fax number. You will then receive your free fax as an attachment in emails. Convenient, no?

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Recover money on your non-refundable airline tickets!

Yes, I know sometimes we tend to stick to what we said the airline. But imagine that you are always part of the price of the ticket who is the airport tax is a tax that airlines collect and then pay the state to be able to park at airports.

Off, if for some reason you can not take your flight and your ticket is not refundable, please note that you can still get a refund for the part corresponding to the airport tax. Simply press the fact that you did not boarded that day and you do not have to pay this tax because you could not get to the airport. Then ask you what it is repaid.

For information, I took the test this summer with Easyjet and it works! You just credited your credit card. I should also thank the colleague to my spouse that we initially talked about this pipe when he knew we had to cancel flights this summer.

Planetsuzy.org Linsey Dawn Mckinsey

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Use white vinegar in your garden

With the return of warm weather, the activity of gardening resurfaced.

Here are some tips that might be useful:

• Get rid of weeds you Unwelcome : undiluted vinegar will destroy you grass that lies between the bricks or on certain areas of cracked pavement near your home.
  
• Remove weeds : using vinegar as a spray projected to weed, kill you. But be still careful not to reach areas around good health, otherwise they will be affected.
  
• Keep ants: Spray vinegar around doors and around areas where ants are commonly attracted. The vinegar will keep them away.
  
• Discourage cats from approaching certain areas : Spray where you do not want the cats put their legs.
  
• Make your flowers last : add 2 teaspoons of vinegar and a teaspoon of sugar per quart of water. Your fresh flowers will last longer.

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While negotiating its bank loan

To compare two loan offers, buckle up, not only at the rate charged but the monthly repayments ( percentage rate) and various expenses (fees, insurance, mortgage fees or equivalent).

Before contacting banks: *

establish your precise budget comprising all expenditure items (we always forget!) To determine the total amount you need (personal contributions + loans) *
determine the total amount of Additional loans are available to you and what monthly expenses they represent.

Remember that the bank offers a loan does not require clearance from your wages in his establishment. Know that everything is negotiable: the rate of course but also the fees and insurance. More will be your personal contribution, the more you have the "weight" to lower rates ...

Some banks offer loans modular whose monthly payments may be adjusted upward or downward depending on the evolution of your income.

If the proposed loan is not flexible, ask the banker can prepayment free and unconstrained minimum amount.
Do you make clear the terms of such prepayment (minimum amount possible periods). In general, bankers call in case of prepayment compensation of up to 3% of the outstanding principal before reimbursement. Some contracts require a minimum amount of prepayments equal to 10% of the loan.

Remember that prepayments will decrease even more the total interest cost of your loan that you have them ready early. In fact, according to the principle of amortization, monthly payments early in the loan are used primarily to pay interest. The percentage decreases over the term of the loan that's how monthly payments repay the loan at the end mainly capital. A prepayment ended loan therefore has no beneficial effect.

Play competition

aware that to play the competition must provide written evidence to the banker with whom you interact (loan offer from another bank, list of rates ...).
Indeed, the responsible management is not free to set rates and it can not negotiate with his boss only with evidence.

- For an organization managing the "1% logement"

If you are employed, contact an organization 1% Housing (the human resources departments of your employer will give you details).

Generally, this organization maintains a list of the different rates applied by banks in your area by type of loan.

This method is probably the most effective way to find the best rates. It suffices to show that list to the bank of your choice that will match for sure.

- By fax

To save time, you can also make a "mailing" by fax at banks in your area. Some conservative bankers may find the approach cavalier but it will avoid you to move in all agencies.

- By internet

Many websites offer brokerage services in bank loans. Provided leave your information on their server (your contact information, salaries, amount of purchase ...), they will contact you a number of banks ... Not all nearby but their interest is to have as partners not well known banks which you would perhaps not thought of. However, too many offers no mention of fees or costs of insurance.

Among the most famous sites include: Discounts Meilleurtaux, Panoranet, E-loan, Votreprêt, Sélectaux, 123prêt, Créditclic, Credit-on-line and PrêtWeb .
According to a study conducted by the monthly Capital in September 2000, only three are distinguishable: discount, and Meilleurtaux Panoranet.

- by traditional brokers

You can also contact brokers in bank loans that are not on the internet. You can find them in the yellow pages under "financial brokers.

Death Insurance Disability

All bankers offer their own insurance in their loan offer. Nothing forces you to take this insurance. Compare rates with insurance companies, often less expensive (-20% to -40% if you are under 40 years).

Read and compare well limitation of liability clauses : they cover only total and irreversible loss of autonomy (PTIA) or also a temporary total disability (ITT)?
Among the least restrictive clauses, do not confuse the total permanent disability work (IPT) for which the insurance does not cover you if you can not exercise any profession and occupational disability for which Insurance cover you when you can no longer perform your current job.
If you are a pianist or an airline pilot (or other high-income and occupation based on physical and / or specific intellective), you heard interest in requiring that last clause. Attention also

clauses limiting collateral based on sports called "at risk" or other activitées more benign (eg accident occur during the use of a moped or a motorcycle) . Here are some terms sufficiently vague to give free rein to any interpretation at trial between the insurer and the insured!

• "the practice as part of amateur competitions and / or as a member of a federation or a club, a sports activity or not requiring the use of a motor engine. "
• " the practice of dangerous sports such as bobsledding, ski doo, ski biking, fishing or diving equipment with self-gliding, caving, rock climbing, mountain climbing, jumping Bungee, canyoning, a water sports, catamaran "

Finally, before your choice, find out what is already covered by other insurance (personal insurance, pension from your employer, etc.).

Insurance

With rising unemployment, unemployment insurance rates have become prohibitive (about 0.3%) to guarantee enough time limited.
Often, the contract specifies that payments for loss of employment must then be repaid form of borrowing from the return to work.

Unemployment insurance is not mandatory.
Before the contract or not sure what it brings you and make a personal assessment:

• would you Assedic rights in the event of job loss?
• your job is it carrying?
• you work in a dynamic industry?
• Are you geographically mobile and willing to sell your future home if necessary?
• if yes, the resale of your home is likely to cover all your construction costs?
• your loan principal will arrive there due before you have the fifty (age when it becomes statistically more difficult to find a job)?
• your loan is it scalable?
• your spouse (e) works he (she)?
• what percentage of your income, repayment of your loans is he?

Mortgage Costs

To avoid mortgage costs, some agencies may stand surety for you as the Housing Credit. Unlike mortgage fees, the agency pays you 80% of your costs at the end of the loan.
Ask your banker.

About ...

The origin of the word credit, as the Creed comes from the verb believe. If the Creed means belief in God, it means the credit that the bank loaned you money and thinks you are going to repay it.

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Loans: selection criteria

recent years, the variety of loan types has grown considerably. To you to take advantage of to minimize the impact of rising rates .

To choose your loan, be aware examine your current situation in terms of income but also your situation likely to maturity a few years.

Here are some guidelines for loans that you can choose according to your situation. Nothing you prevents however to opt for a combination of several types of loans so you do not put all your eggs in one basket. "

Interesting: some institutions (Woolwich ...) offer ready mixed couple in the same loan a fixed rate loan and a credit rate "capped".

Your personal contribution is very low or nonexistent.

In this case, you will definitely have you heavily in debt and over a long period. The amount of your repayments will reach the maximum, or 33% of your income. You earn

disadvantages here:

• variable rate loans are too risky for you as an increase in monthly payments could put your finances at risk.
• bank rates are higher for loans with long-term (20 years)
• interest costs over the term of repayment is often more expensive than the loan amount itself.

In this particular case, negotiate the ability to make prepayments without charge and "tighten your belts" the first few years in order to rapidly make such reimbursements.

You have a personal contribution and do not achieve maximum leverage.

Your personal contribution and loan schedules that you have subscribed you can make a loan which represent less than 20% of your income.

If you accept a small risk, you can opt for a variable rate loan secured that will allow you to get started as a lower rate of 0.5 1% to that of a fixed rate.
Several formulas exist:

• loans rate "abled" : the loan rate is variable, indexed on European interbank rates; but its maximum is capped at a "cap" set at the subscription of the loan.
• loans secured floating rate : You can get better rates than the previous departure. If rates rise, monthly payments are initially increased within a prescribed maximum (eg inflation), then if this limit is reached and rates continue to rise, the loan term is extended. Some banks offer specialized
  with this type of loan a maximum of 3 to 5 years on extending the term of the loan in case of elongation rates (Abbey National, Woolwich, Caixa, La Henin, ...)

You have a good supply staff and sound finances.

If you want to borrow over a short duration (less than 10 years) and accept the risk of a pure floating rate loan, meaning "without a net" then you can get unbeatable rates (1.5 to 2 percentage points lower than fixed rate loans!). Get

be made clear, however, the conditions of return to fixed rate to avoid any slippage. Compare in particular the increase resulting from the switch to variable rate fixed rate with the difference rate obtained with a loan / fixed rate when signing the contract.

You are a very good customer of your bank and have a large personal contribution. While negotiating

correctly, you can get a lower fixed rate of 0.5 to 0.8 points at the floor rate of the bank. In this case, the attractiveness of variable rate is significantly decreased.

Conclusion:

If the old adage "we do lend to the rich" is not quite correct, the fact remains that the conditions for obtaining your loan will be more Interesting that your financial situation is healthy.

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Lots of little stories for little ones

Here is a discovery that should please more than one parent with young children.

If this is your case, you've certainly got to tell stories to your children before they fall asleep? But sometimes it's true, time is short and the story goes a bit by the wayside or she is told speed expressways. So here is a little workaround that should be helpful: http://www.1001contes.com/ site lists a hundred tales arranged by age and category. The stories are recorded and can be easily transferred to an MP3 player! Consume with moderation, because it does not replace the voice and attention of mom ...

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Film at 3.50 € the session!

Yes, you read that right ... It started today and lasts until Tuesday, March 20: Spring is the film! Spring film is the possibility of going to the cinema enjoying a tariff of 3.50 € the place throughout France during these three days!

You can find more info on: http://www.printempsducinema.com/

Good session!

Aude
www.art-economiser.com

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Save money on your gas

aware that if you use a lid placed on your pan when you boil water for cooking pasta or rice you, you save the energy (and time at the same time ...).

Similarly once boiled water, you can reduce the firepower to an average or lower.

These small steps can lower your bill up € 30 per year! Think about it ...

Aude
www.art-economiser.com

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A little trick to make your sponges to last longer

It's a little trick that my husband has discovered there is little time surfing the web.

Simply clean your sponges, first under water, and then put them in the microwave for 2 minutes at full power. Not only does this prolong the life of your sponges but it will also have the advantage of eliminating almost all bacteria that lodge there as and when they are used. It is therefore also a very useful little trick for those with sensitive stomachs.

www.art-economiser.com

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A new thing that you can deduct taxes

More and more households are now equipped with computers. This phenomenon was accompanied by the blooming business of troubleshooting for your computer glitches: virus removal, software unbootable, and more ... Indeed, what is more irritating than a computer that stops working or malfunctions, to the point that we often want to throw it out the window? There are so many companies that specialize in this field, as, for example: Ordioni, which has good news in the Paris region.

The good news? Is that this type of service is now considered as the service person, which means you can now deduct 50% of the amount of your bill from your taxes!

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"10 Traps to Avoid" on M6

Have you ever looked at what kind of issue? I must say I'm pretty friante this type of program where we learn many things that can protect themselves, we consumers, abuse of some other industrial and service companies.

We learn lots of tips to protect many Anarch, often quite expensive, which are practiced in the middle of the estate, in garages, etc..

The show is rebroadcast on Friday 26 at 1:30 and Sunday at 16.45. An appointment not to miss out and mark your calendars.

Aude

www.art-economiser.com

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Want to win gift certificates by participating in surveys? New

Well, here's a nice opportunity to supplement your income month.

It's very simple ... Simply register on the site MediaTransfer AG Netresearch & Consulting order to participate in various surveys (eg on websites, products, etc..). You will have the opportunity to earn bonuses of choice in exchange for your opinion! Come down!



Aude

www.art-economiser.com

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compare prices

Have you ever heard of price comparison Twenga ? No? It is a price comparison that was created 2 years ago but the concept has been revised. Thus, this site has remade "makeover" in September 2006. It is only beginning to become known because of its differences with other more conventional comparators such as Kelkoo .

Twenga is a completely independent and compare prices which identified already at the end of last year over a million products from thousands of sites merchants and that is what makes its strength. Unlike other price comparison sites like Kelkoo , Twenga does not require commercial sites it lists, pay for inclusion in its comparator. Accordingly, the results prévilégient any commercial site and the user has better information on prices of products offered. In addition, you'll even find a system to alert you if a product you want to buy has suffered a drop in prices! Convenient is not it?

Aude

www.art-economiser.com

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Happy New Year! ...

I hope you had a great holiday season!

If Santa does not bring you what you want then why not sell your gifts on ebay and take the advice of the newsletter Site Art save. This will allow you to establish a small fund cash balances to enjoy and buy something you will really enjoy!

I hope that 2007 will bring you money, happiness, health and success to you and your family.

soon,

Aude

www.art-economiser.com