Monthly Archives: June 2018

Proper Steps for the Right Mortgage

It is the most sought loan, the longest and the one that allows us to reach one of our most important projects: to reach our own home. Here we show you 5 tips to keep in mind before accessing your mortgage loan

  1. Have in cash between 20% and 40% of the property.

Generally banks lend between 60% to 80% of the value of the house. For example, taking 70% for a unit of US $ 80,000. You must have $ 24,000 or the equivalent in pesos $ 97,200.

  1. Measure how much we can ask according to our income

The fees cannot exceed more than 30% or 40% of the total income. This table can help you as a guide to see which property you can access with your income or those of the family group. The help of the good mortgage broker in Singapore is there always.

  • Income for $ 6000, property of $ 43,000
  • Income for $ 8000, property of $ 58,000
  • Income for $ 10,000, property of $ 72,000
  • Income for $ 15,000, property of $ s108,000


  1. Look at the total financial cost (CFT) before the nominal rate of the loan

The share of a mortgage loan is generally composed of: capital + interest + life insurance + fire insurance + administrative expenses.

The CFT is what really reflects the cost of the loan. It is always very useful to request the simulation of the fees.

  1. The fixed rate option is the one with the shortest term and the highest fees

There are three alternative rates: fixed, variable and combined. What sets the difference between each one is the term and the value of the quotas.The fixed rate option will always be shorter than the variable. This makes us ask for more income to pay a higher fee. The use of the fast loan in Singapore comes easy.

Ex: to finance 70% of the unit of US $ 80,000 ($ 225,000), in the fixed option at a rate of 17.5% we would obtain a 10-year loan with a fixed fee of $ 4,100. The CFT (Total Financial Cost) would be 21% and we would need to demonstrate income for $ 13,600 to allow us to pay that fee.

In the event that we would like to finance we for a longer term, for example. 20 years, we should probably opt for the variable or combined rate. With these options you can access a higher amount and lower fees.Ex: the $ 225,000 could be financed at a variable rate of 16.4% to 20 years. We would pay a fee of $ 3,300. A CFT of 19.6% and income would be needed for $ 11,000.In the case of opting for the Combined rate. We would pay 3 years fixed installments of $ 3,200 at a rate of 15.9% and the remaining of $ 3,300 variables at 16.5%. The CFT in this option would be approximately 19.3%.

Getting A Business Address To Boost Your Business

Is it correct to express that you are a little or medium business proprietor? Given this is substantial, are a section of the responsibilities performed by your laborers, under your own particular rooftop? Given this is substantial, you should need to consider outsourcing some your business courses of action. This won’t show you have to clear a touch of your staff, in any case it induces that you can give them more fundamental undertakings to handle.

Among the different administrations that you may need to consider outsourcing to some other organization is your business email. In the event that you do this, you’ll likely be chasing down a mail sending Nevada Company. A phenomenal mail advantage organization addresses critical master in dealing with your business mail for you. Subordinate upon the sort of business you run, this may deal with some portion of your endeavors or made by the workers.

Virtual Mailbox Address Nevada – Among the most extensively saw email administrations offered is postal mail sending. Email sending can be used when a business proprietor, much the same as you, truly needs to get an obvious place of work. Keep in mind, different mail sending administrations offer you an elective game-plan place of work. This address is unmistakably where your advancing toward mail will be sent to. For the most part, your fresh out of the case new, exchange work locale will be planned in a vital, fathomed put, for instance, Nevada. After your mail comes to at the mail advantage head office, your email will be dispatched to you, at the zone street number.

Despite the way that mail sending is the most steady sort of administrations offered, you will locate extra postal mail benefits that are by and large given by methods for mail sending Nevada affiliations. One of these administrations is mail engineering. On the off chance that your mail is separate to go a specific division or individual, your business email sending administrations will be able to locate that out for you. This is done just by get-together the entirety of your mail with everything considered and sending it for you that way, all arranged. In context of the specific business postal mail administrations open to you, you can even have the ability to have a portion of your junk mail, discarded. Discharging your spam, before it gets to your organization, will really spare you time.

On the off chance that you are thinking about chasing down more exceptional business courses of action which might be accessible to you, you are drawn nearer to check for an organization who additionally offers these sorts of administrations. It is fitting to go surfing on the web. A common Google intrigue should offer the outcomes that you will filter for. Those results can help make this less unpredictable for you and for your business to have achievement.

What is valuable concerning these administrations is that they dispose of a far reaching some portion of the long structures that could abuse your shot and cash. On the off chance that you inquire about decisively how much time, cash and exertion you will squander and show up distinctively in connection to the total you’d spare if you somehow managed to use for a mail sending Nevada advantage, you will effectively begin to concur that it’s an awesome meander that is safeguarded paying little notice to the cash.

So as opposed to proceeding to battle with aggravations; for what reason not have any effect for an email sending organization. It is unassuming and worth the measure of cash you pay. By picking email sending, it construes that your organization upgrades and that the mail sending process is more robotized and pleasing.

Creation With the Zinc Selenide Now for Your Requirement Now

The invention can be used in the chemical industry. A method for processing zinc selenide waste comprises oxidizing zinc selenide at atmospheric pressure in a solution of ammonium peroxodisulfate at a concentration of 35-37% at a temperature of 70-90 ° C. Next, the resulting crude selenium is purified by a sulphite-cyclic method. The invention makes it possible to use zinc selenide without waste, and to simplify the processing of zinc selenide waste generated in the manufacture of materials in a semiconductor technique, thereby obtaining selenium in one step with a yield of 85-95%.

The invention relates to inorganic chemistry and concerns the development of a method for processing zinc selenide waste generated in the manufacture of materials in semiconductor technology.

Prior Art

A method is known for processing zinc selenide by oxidation with oxygen, followed by condensation of the resulting selenium dioxide vapor. The disadvantage of this method of processing is the complexity of the technological process and hardware design.

A method for the production of selenium dioxide is known, including oxidation with nitric acid, evaporation of the resulting solution and separation of selenium dioxide and purification of the latter by dissolving in sulfuric acid with a concentration of 70-95% and then isolating the desired product from the solution by increasing the sulfuric acid concentration to 99-100%.

The disadvantage of this method is the low quality of the product obtained

The method closest to the technical essence achieved by the positive effect and accepted by the authors for the prototype is the method for obtaining high-purity selenium dioxide by oxidation of zinc selenide at atmospheric pressure, followed by the condensation of selenium dioxide vapor. Oxidation of zinc selenide is carried out in two stages simultaneously by two streams of oxygen, in the first stage the oxidation of zinc selenide is conducted by an oxygen stream at a temperature of at least 300 ° C, and the second stage – the oxidation of the volatile products formed in the first stage at a temperature of not less than 600 ° C.

The Production of Selenium

To produce selenium from the selenium and selenious acid dioxide formed in the second stage of oxidation, it is necessary to carry out their reduction, for example, with sulfur dioxide, and then purification of selenium by known methods, for example sulfite cyclic, which complicates the process. It is impossible to obtain selenium by this method in one step.

Perfect Taste for the Hot Pepper Soup Now

A bright warming cream soup, its sweetness and color that gives the red Bulgarian pepper and the sharpness of the chili pepper is there. It tastes like gazpacho, but in its hot winter version. Tomatoes, which now do not have a special taste, here replace aromatic pepper. It turns out delicious and beautiful! The popularity of the soup is high now and that is why you can have a perfect support from the best chefs now. The making if the hot pepper soup proves how perfect the results are. No doubt that the lovers of this soup are in preference with the baked pepper in presence.

At the end of the cooking, chefs added to the plates two tablespoons of thick gooseberry yogurt. You can replace it with cheese or cubes of avocado. If you add to the soup a couple of toasted wheat sprouts, you will get a satisfying warming dinner.

  • Cream-soup of baked pepper
  • (for 2-3 servings)
  • 4 red bell peppers
  • 4 cloves of garlic
  • 2 celery sticks
  • 1 medium carrot
  • 2 cups of water
  • 2 pinches of chili pepper (or a piece of fresh)
  • A piece of butter or a spoonful of olive oil
  • 1 tablespoon dried onion
  • Salt& pepper to taste
  • Petals of red pepper
  • Yoghurt or yogurt from goat’s milk

Whole bell pepper and cloves of garlic oil with butter and bake in the oven at 180 ° C. Cut the celery and carrots and cook in two glasses of water, about 15 minutes. Bake pepper and garlic, baked until soft, from the oven. Remove the core and seeds from the pepper.

Send the baked pepper and garlic to the blender

Add the cooked carrots and celery together with the resulting broth. Add a slice of a creamy or spoonful of olive, a couple of pinch of chili and a spoonful of dried onions. Grind everything in a blender to a homogeneous cream soup. Add salt and pepper to taste.Pour the soup over the plates and add a couple of spoons of yoghurt, curdled milk or cheese from goat’s milk. Decorate with sweet pepper petals and have fun.