“In consumer and products” that the OCU issued, the reunification of debts by means of intermediaries advises against, since these usually acquire discharges commissions on watch. Before an imminent situation of economic crisis many people consider to reunify their debts and loans in only one, which can be in many cases an excellent alternative, nevertheless, to do it through an intermediary can not be so positive.
The Organization of Consumers and Users, private association that offers to consultant's office and information to the consumers, published a report where she recommends the families who are considering to reunify their loans that before doing it by means of an intermediary are better to consider other options of credit as to even ask for a familiar loan without interests or with interests very low, advance payments of company or an extension of the mortgage, if the quantity to solicit solely is lifted because it is necessary to invest in expenses of notary's office, registry and diverse taxes.
The reason for which the OCU advises against to go with financial advisers is because these usually acquire discharges commissions on watch, in addition the service that they provide is one to that the interested one can accede by its own means. Also they recommend to kindly watch the cats and commissions and coverall to negotiate them, because a banking organization will almost always be arranged to modify them if doing it is going to have a reliable client. When one is to invest the savings, they recommend “to by all means invest safe envelope” in organizations supervised by the Administration and that counts on their registry in rule. It advises that to go to a personal credit he is something that must be made solely in necessary cases, coverall advise against to do it when the amount is low because it is there when the interests are higher. An excellent option to multiply our savings is to avoid to accumulate them in current accounts, the best thing is to diversify the investments and to make
Tuesday, October 20, 2009
How the fast credits are regulated
The Law of Credit to Consumo establishes certain regulations that all the credit organizations are forced to fulfill, nevertheless does not stipulate anything about the “fast and easy credits”. With the enormous height of the fast and easy credits it is logical to ask to us about the regulations that by law these must accept, and although it seems uncertain does not exist no legal limitation for the types of interest of this type of credits, that can reach to annual 20%. Despite the credits to the consumption, that can finance from vehicles, trips, electric home appliances, etc., that are of 150€ until 20.000€ must fulfill the regulations that the Law of Credit to Consumo stipulates.
In her one stipulates that all the contracts must consist in writing the conditions of the contract, the Equivalent Annual Rate, the regularity of the payments and the term and the elements that are included in the total cost of the loan. What yes it is very clear in this Law is that each financial company necessarily is forced to grant, before the company/signature of the contract, a document with all the conditions of the credit. To this documents the binding supply is considered him and forces the credit company to respect what it is stipulated there, during ten working days. Another obligation that these companies must fulfill is to mention in its publicity the type of interest T.A.E., nevertheless nothing is said about the small letter that still exists in some contracts and that work like a trap where many trusting clients in the conditions that its banking organization promises to them, fall easily.
Most advisable it is to have extreme well-taken care of with the contract then in that document include absolutely all the conditions of the loan, also is important to make use of the right own the Binding Supply, because in those ten days of validity we can study conscientiously the loan and decide if to sign it or no.
Friday, June 19, 2009
The Konigsberg Network
Do you know that geometry has been applied to problems in designing telephone and communication system, transportation connection and computer connection? these design problems can often be represented by a network consists of a set of vertices and the connecting paths between them
One of the most famous network problems was noted in the 16th century in konigsberg, Prussia(Prussia covered the teritory under the former german empire). The town comprised two island in the middle of a river. The town was connected by 7 bridges which crossed the river. The question was whether person could plan a walk, starting any where, so that all 7 bridges could be crossed without crossing the same bridge twice.
Leonhard Euler first studied this problem in 1735. Here is Euler's approach to the problem: Euler began by redrawing the map so that 4 areas of land were represented by points with seven lines to represent the bridges. That konigsberg problem can now restated as follows: Given 4 distinct vertices. try to draw a continuous path from one vertex to another, without retracing a previous drawn path.
Euler discovered that such a network can only be drawn if one of these conditions are true:
1. there are exactly two vertices with an odd number of paths leading from them.
2. All vertices have an even no. of paths leading of them.
One of the most famous network problems was noted in the 16th century in konigsberg, Prussia(Prussia covered the teritory under the former german empire). The town comprised two island in the middle of a river. The town was connected by 7 bridges which crossed the river. The question was whether person could plan a walk, starting any where, so that all 7 bridges could be crossed without crossing the same bridge twice.
Leonhard Euler first studied this problem in 1735. Here is Euler's approach to the problem: Euler began by redrawing the map so that 4 areas of land were represented by points with seven lines to represent the bridges. That konigsberg problem can now restated as follows: Given 4 distinct vertices. try to draw a continuous path from one vertex to another, without retracing a previous drawn path.
Euler discovered that such a network can only be drawn if one of these conditions are true:
1. there are exactly two vertices with an odd number of paths leading from them.
2. All vertices have an even no. of paths leading of them.
Did you Know?
Higantes Fesival
...that the people of Angono, Rizal celebrate their town fiesta on November 22 -23 of every year? Angono celebrate it in honor of San Clemente, patron Saint of fishermen. whose image, shining brilliantly in papal vestment, is carried out by male devotees during a procession accompanied by pahadores (devotees dressed in colorful local costumes or fishermen's clothes, wooden shoes and carrying boat paddles, fish nets or traps)and higantes , Giant paper mache images.
...That the street event culminates in a fluvial procession in Laguna de bay amidst merry making that continues until the image is brought back to the church.
...That the Higantes, which had color and merriment to Angono town fiesta, are giant paper mache effigies measuring 4- 5 feet in diameter and 10-12 feet in height.
...that the people of Angono, Rizal celebrate their town fiesta on November 22 -23 of every year? Angono celebrate it in honor of San Clemente, patron Saint of fishermen. whose image, shining brilliantly in papal vestment, is carried out by male devotees during a procession accompanied by pahadores (devotees dressed in colorful local costumes or fishermen's clothes, wooden shoes and carrying boat paddles, fish nets or traps)and higantes , Giant paper mache images.
...That the street event culminates in a fluvial procession in Laguna de bay amidst merry making that continues until the image is brought back to the church.
...That the Higantes, which had color and merriment to Angono town fiesta, are giant paper mache effigies measuring 4- 5 feet in diameter and 10-12 feet in height.
The Origin of Nuclear Weapons
The First Atomic Bomb
Albert Eintein's equation,E=mc square paved the way for the creatin of the first atomic bomb. Through the studies of scientists around the orld about radioactivity, the possibility of creating a weapon of unimaginable explosive power became imminent.
As early as 1934, a group of American scientists was already discussing the possibility of of creating nuclear weapon. European scientists were also on the way to discovering the powerful effects of the nuclear bomb.
five years later, four scientists found the key to nuclear energy-Otto, Lisa Meitner, Fritz Strassman, and Otto Frisch. They discovered that a neutron,when placed into a uranium nucleus through radioactive bombardment, can split the nucleus into nuclei,barium and krypton, with a massive outburst of energy.
But the war in Europe forced these brilliant scientists to sail to the USA.
There they joined other groups of American scientists. On December 6, 1941 the day before the bombing of Pearl Harbor, American President Franklin D. Roosevelt approved the plan for all-out effort in atomic research.
It was Enrico Fermi who completed and experiment on how nuclear fission could be started, sustained and stopped. Together with Robert Oppenheimer and other notable figures, they carried out the Manhattan Project. They worked in an atmosphere urgency, excitement and secrecy.
In july 16, 1945, the first plutonium bomb was tested at Alamogordo Airbase in New Mexico. The test proved that the possibility of a nuclear war was at hand. The result of the succesful test were sent to the president who was in the meeting in Potsdam, negotiating the occupation of germany.
On the 26 of july of the same year, President Roosevelt sent a memorandum to the Hapanese to surrender or else face harsh consequences. But because of pride and determination, the Japanese rejected the ultimatum.
By the first week of August, the two bombs, "The little Boy" (Hiroshima Bomb) and "The Fat Man" (nagasaki bomb) were ready to be drop.
Albert Eintein's equation,E=mc square paved the way for the creatin of the first atomic bomb. Through the studies of scientists around the orld about radioactivity, the possibility of creating a weapon of unimaginable explosive power became imminent.
As early as 1934, a group of American scientists was already discussing the possibility of of creating nuclear weapon. European scientists were also on the way to discovering the powerful effects of the nuclear bomb.
five years later, four scientists found the key to nuclear energy-Otto, Lisa Meitner, Fritz Strassman, and Otto Frisch. They discovered that a neutron,when placed into a uranium nucleus through radioactive bombardment, can split the nucleus into nuclei,barium and krypton, with a massive outburst of energy.
But the war in Europe forced these brilliant scientists to sail to the USA.
There they joined other groups of American scientists. On December 6, 1941 the day before the bombing of Pearl Harbor, American President Franklin D. Roosevelt approved the plan for all-out effort in atomic research.
It was Enrico Fermi who completed and experiment on how nuclear fission could be started, sustained and stopped. Together with Robert Oppenheimer and other notable figures, they carried out the Manhattan Project. They worked in an atmosphere urgency, excitement and secrecy.
In july 16, 1945, the first plutonium bomb was tested at Alamogordo Airbase in New Mexico. The test proved that the possibility of a nuclear war was at hand. The result of the succesful test were sent to the president who was in the meeting in Potsdam, negotiating the occupation of germany.
On the 26 of july of the same year, President Roosevelt sent a memorandum to the Hapanese to surrender or else face harsh consequences. But because of pride and determination, the Japanese rejected the ultimatum.
By the first week of August, the two bombs, "The little Boy" (Hiroshima Bomb) and "The Fat Man" (nagasaki bomb) were ready to be drop.
Sunday, April 12, 2009
Tuesday, March 31, 2009
Budgeting tips for Students
Mostly, some students was having a problems with his/her allowance. Some students accidentally spend their allowance in some attractive things like gadgets, clothes, shoes etc. then they later know that their money that they should pay for their tuition fee was gone. So to get rid of this troubles, I will giving you some advices:
a) Sustain an "Emergency budget " this money use to be in unplanned expendintures like visit to dentist or school projects. This way makes to be prepare for some suprise expendintures. It also helps you to un worried on some unexpected expenses.
b) If you have credit card be sure to use it sparingly, because if you get into a habit of using it when you visit a mall, it's hard to stop.
c) Use your money wisely try to use it on important items. Avoid using it to unnecessary things like junkfoods. Buy items that you will use in the future.
Remember that money is not easy to found so value your money and use it wisely. Whatever you do is cost some money.
a) Sustain an "Emergency budget " this money use to be in unplanned expendintures like visit to dentist or school projects. This way makes to be prepare for some suprise expendintures. It also helps you to un worried on some unexpected expenses.
b) If you have credit card be sure to use it sparingly, because if you get into a habit of using it when you visit a mall, it's hard to stop.
c) Use your money wisely try to use it on important items. Avoid using it to unnecessary things like junkfoods. Buy items that you will use in the future.
Remember that money is not easy to found so value your money and use it wisely. Whatever you do is cost some money.
World Diabetes Day
World Diabetes day is observe all over the world every Nov. 14 because diabetes is becoming one of the most chronic disease at a very alarming rate in kids and teenager.
Diabetes mellitus on simply known as diabetes is a metabolicdisorder. Its common symptoms is elevated levels of blood glucose or sugar. It takes place when your body produces less or absolutely no insulin or if the body cells do not react to the insulin thet your body creates. Furthermore, diabetes can lead to other serious health complications like kidney failure, heart disease, blindness and others.
Diabetes is racked among the top 10 leading cause of death in the philippines according to DOH. Approximately 3.36 milion Filipinos today is suffering from this health problem and one out 25 Filipinos have it.
Before, Diabetes is considered as elder disease but nowadays it also affects children. As a m atter of fact 200 kids per day is developing this kind of disease worldwide.
With this reason world diabetes day is also celebrated in the Philippines. Through this event, it will raise the awareness of Filipinos regarding this health problem. It would discuss causes, symptoms and preventive measurement of this disease.
Worldwide, World Diabetes Day is supported and build up by International Diabetes Federation( IDF) together withWorld health Organization(WHO). As of now ther are 200 mmber association of the celebrated th events more ore less 160 countries, as well as other organization,helthcarespecialist, and individulas joined hans together to promote this event, In the Philippines, The World Diabetes Day is lead by DoH. They conduct free screenings for diabetes.
Diabetes mellitus on simply known as diabetes is a metabolicdisorder. Its common symptoms is elevated levels of blood glucose or sugar. It takes place when your body produces less or absolutely no insulin or if the body cells do not react to the insulin thet your body creates. Furthermore, diabetes can lead to other serious health complications like kidney failure, heart disease, blindness and others.
Diabetes is racked among the top 10 leading cause of death in the philippines according to DOH. Approximately 3.36 milion Filipinos today is suffering from this health problem and one out 25 Filipinos have it.
Before, Diabetes is considered as elder disease but nowadays it also affects children. As a m atter of fact 200 kids per day is developing this kind of disease worldwide.
With this reason world diabetes day is also celebrated in the Philippines. Through this event, it will raise the awareness of Filipinos regarding this health problem. It would discuss causes, symptoms and preventive measurement of this disease.
Worldwide, World Diabetes Day is supported and build up by International Diabetes Federation( IDF) together withWorld health Organization(WHO). As of now ther are 200 mmber association of the celebrated th events more ore less 160 countries, as well as other organization,helthcarespecialist, and individulas joined hans together to promote this event, In the Philippines, The World Diabetes Day is lead by DoH. They conduct free screenings for diabetes.
Safety reminders for Electricity and Electronics
a) Do not work when you’re taking a medicine to avoid dizziness.
b) Avoid working in poor light.
c) Don’t forget to wear protective devices.
d) Avoid wearing jewelries and similar metals items to avoid exposures on some electrical circuits.
e) Do not work in wet areas
f) Make sure that the circuit is unplug or ensure that there’s no electricity flowing in the circuit.
g) Place the tools or equipment away from the children.
h) Always clean your work place when your done.
b) Avoid working in poor light.
c) Don’t forget to wear protective devices.
d) Avoid wearing jewelries and similar metals items to avoid exposures on some electrical circuits.
e) Do not work in wet areas
f) Make sure that the circuit is unplug or ensure that there’s no electricity flowing in the circuit.
g) Place the tools or equipment away from the children.
h) Always clean your work place when your done.
Some troubleshooting and possible solutions:
1)hard disk not detected although you installed a new one
Possible solution:
Replace the IDE data cable or the Motherboard
2) The PC hangs when installing windows(OS)
Possible solution:
Format the hard disk drive or replace the hard drive
3) When installing operating system (windows) a blue screen appear with fatal error messages
Possible solutions:
a) Get another operating system to install
b) Replace the CD rom drive
c) Replace the processor
D) Replace the motherboard
4) Several images appears on screen in windows desktop
Possible solutions:
a) Change the no. of pixels and the no. of colors by configuring this on desktop properties
b) Replace the Monitor
c)Uninstall Video Card driver
5)Keyboard functions only on CMOS setup utility and DOS but not the windows
Possible solutions:
a) Apply CMOS clear
b) Replace it with USB keyboard
c)Replace the Motherboard
6) NO display
Possible solutions
a) Re seat the video card
b) Check the memory
c) Check the processor
d) Check the cooling fan if it’s working
If the CMOS setup does not save any changes the battery was defective.
Possible solution:
Replace the IDE data cable or the Motherboard
2) The PC hangs when installing windows(OS)
Possible solution:
Format the hard disk drive or replace the hard drive
3) When installing operating system (windows) a blue screen appear with fatal error messages
Possible solutions:
a) Get another operating system to install
b) Replace the CD rom drive
c) Replace the processor
D) Replace the motherboard
4) Several images appears on screen in windows desktop
Possible solutions:
a) Change the no. of pixels and the no. of colors by configuring this on desktop properties
b) Replace the Monitor
c)Uninstall Video Card driver
5)Keyboard functions only on CMOS setup utility and DOS but not the windows
Possible solutions:
a) Apply CMOS clear
b) Replace it with USB keyboard
c)Replace the Motherboard
6) NO display
Possible solutions
a) Re seat the video card
b) Check the memory
c) Check the processor
d) Check the cooling fan if it’s working
If the CMOS setup does not save any changes the battery was defective.
Dwayne Wade and Google agreement
NBA Dwyane Wade is one of the most famous people of the United States, and was chosen ‘ Sportsman of the Year 2006′ by the magazine ‘ Sports Illustrated’. Now, ‘ informs; Business Week’ , Google goes to create in its official Web site to him ‘ DwyaneWade.com’ a series of tools of Community focused in the involution of the image of Wade against his fans. All this, from several of the services that come offering Google from generalized way: the seeking Web, the electronic mail with ‘ Google for Apps your Domain’ , a customized page of beginning with possibility of reading feeds of the sport news, basketball videos you problow of Youtube,… This is the first time that Google offers east type from services to the Web site of a famous star (announces that other personages will also count on similar Web sites in which the company calls ” marketing of diálogo”), but previously another type of organisms had counted with similar products. For example, Dell is installing within its PCs navigating Web with a customized page of beginning of Google, and Nike created - with reason for the World-wide one of 2006 soccer, a Social Network based on Orkut.
Sunday, March 29, 2009
Scarcity of fossil fuel; Possible
There are things on life that we need to be concerned of and needs an answer. It is the little by little drying up oil in the world.
The fossil fuel is the prime source of an affordable industrial energy. If it is true that the world is on oil crisis as what was said by our problem.
Let us go back to the year 1801, 208 years ago. It is the time that there were no gasoline, natural gas or electricity. What if you woke up one day going back at 1801? No electricity, LPG for as to cook, and gasoline to run the car? It is not possible to happen and this reality is according to studies of International Energy Administration which is base on U.S.. According to studies the fossil fuel is now starting to loosen up because the fossil fuel is not renewable compared to solar, nuclear or hydrogen energy. It is not easy to find and get fossil fuel because it takes million of years of one process before it can create and preserve, and because of this it cannot be easily replace. It comes decaying animals, plants and other organic materials.
Did you know that the last oil well was discovered on 2002? And starting then there no other discovered phase for oil deposit.
If you want a great future you must start on our own. Even in the smallest way.
robotics the newest worker of the world
Unbelievable, but is true that in the next generation the robots might take over the world. It not far to predict that kind of scenario because even in our present time there are countries that uses robots as their worker.
Almost 90 % of the robots invented are working in a factory and 50% of it is in car manufacturing. Robots are also used to do works which is impossible for man to do or very delicate to handle that certain task.
There is also so called “Papero” or Partner Personal Robot, a vacuum cleaner. It can also be a toy or even a person secretary. It can receive voice messages, e-mail and can turn television it also very retentive that it can memorize 650 voice commands and can speak 30,000 phases.
The “Papero” can also remember the birth date and blood type of his companion in the house.
The “Robug III” was specially made for phases which are radio active like the middle of nuclear reactor. It can push a thing more than 220 lbs.
By 2040 robots can have 100 million mips an ability which is same as man. They can speak, understand, create and think. And if that would happen that said ability is not just solely for man.
This is the time of human vs robots era. As of now robot has a very big contribution in our daily life but can also be a threat to the ability of man.
Walking is good for the body
Walking is enjoyable not just because you can save money but it is really good for our health. It conditioned our heart, makes our muscles stronger, it stripped away the stress and helps lighten up some health problems like osteoporosis, heart disease and arthritis. Further more we can walk anywhere you like. Walking is the only exercise which is patronize by people, old or even young. Base on studies on walking regularly, it helps make the passage of air better as it passes through the lungs, lowered the blood pressure and conditioned our body. In walking or brisk walking is just like running when it comes to no. of calories burn when doing this exercises.
When you brisk walk for a mile in just 15 minutes, we can have same no. of calories burned out if you are jogging. The regular brisk walk exercise lighten up your body and also helps a lot of sweat.
Being religious, Prolong life
This weekly attendance in a religious service, whatever religion you are engage with will help lessen the threat of death compared to the people who are not attending regular religious group this was reported by U.S researchers, the person who regularly attends religious service lessen the depression. In a thorough studies done for almost 8 years,
Out of 95,000 Americans who are 50-79 years of age it was discovered that the threat of death by people who regularly attend or weekly attending in a religious service was decreased by 20%.
On the other hand the seldom attendance to a mass or attending once every week is responsible for15% of the said threat.
On the other hand the seldom attendance to a mass or attending once every week is responsible for15% of the said threat.
MY fAVORITE POem of RiZal
To my Creator I sing
Who did soothe me in my great loss;
To the Merciful and Kind
Who in my troubles gave me repose.
Thou with that pow'r of thine
Said: Live! And with life myself I found;
And shelter gave me thou
And a soul impelled to the good
Like a compass whose point to the North is bound.
Thou did make me descend
From honorable home and respectable stock,
And a homeland thou gavest me
Without limit, fair and rich
Though fortune and prudence it does lack
Who did soothe me in my great loss;
To the Merciful and Kind
Who in my troubles gave me repose.
Thou with that pow'r of thine
Said: Live! And with life myself I found;
And shelter gave me thou
And a soul impelled to the good
Like a compass whose point to the North is bound.
Thou did make me descend
From honorable home and respectable stock,
And a homeland thou gavest me
Without limit, fair and rich
Though fortune and prudence it does lack
DEEP SPACE-1” ON THE WAY TO THE COMET
Specialists NASA declared, that the interplanetary probe “Deep Of space-1” will in September 2001 complete flight near the comet Of borelly and will be conducted photographing the nucleus of comet. Flight became the possible after engineers OF NASA it was possible to load in on-board computer new software and to take under their control the apparatus, which since November 1999 accomplished flight in the protected regime after failure of the system of astronavigation. Firing the ion engine of ship was in July carried out and it was transferred into the trajectory, which makes it possible to draw together with the comet Of borelly. The planned in January 2001 flight near Wilson -Harrington comet does not take place because of the seven month interruption in the work “Deep Of space-1”:.
Two-dimensional turbulent flows accomplish local convection of the energy
As new experiments confirmed, two-dimensional turbulent motion accomplishes local convection of energy. This makes it possible to more deeply understand the dynamics of the models of the atmosphere and liquids. 2d flows are in many respects similar to the behavior of Bose-Einstein condensate. The fact is that vortices in such systems can organize themselves and interact with coherent method. Is possible, the best manifestation of this sequence - “return cascade” the effect: small turbulences grow together into the large vortex. This effect partially contributes to shaping of the large-scale regions of convection in the atmosphere, which can be examined by 2d liquid. Reverse- cascade process could continue unlimitedly to [iekh] perspiration, until entire liquid wholly is implicated into the vortex, if scattering the substantial part of the energy was not considered. Researchers were not assured that energy, first of all, departs to the exchange of pulse (viscosity) on Wednesday. At The [pittsburgskiy] university the group of researchers with the aid of the magnetic and electric field simulated [turbelentnye] processes in the soap film on the salt basis. Adding a little lycopodium (fungus disputes) into the film, they observed the motion of spores. It was explained that interaction with air had in the worst case clout on the dissipation of energy, than than viscous friction. These experiments will make it possible more objectively to explain the energy transfer in the turbulent 2d liquids. However, it is worthwhile to note, actually that there are no such systems, where interaction occurs [isklyuchitalno] in two measurements, but often there is so that the third measurement it supports the steady state of two-dimensional motion.
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