Friday, 28 January 2011

How to get a mortgage?

Mortgage tips

Good credit rating
A very important thing which counts a lot when we are applying for a mortgage is a credit rating. Sometimes you might fail a credit chaeck simply because you have no credit history, not because you have a bad credit history. Lenders want to see that you will pay back money you borrow and if you have no such history in the past, they have no way of knowing. To get started with building a good credit history, the easiest way is to get a credit card. Once you will have a credit card you should use it from time to time. Just make sure you pay it back on time every month or else your credit history will backfire on you.

Paying your bills on time
Even if you are not planning to get any mortgage now and think that not paying a bill on time and paying it later won’t hurt you, you are wrong.This is how people get a bad credit rating.

Register at electoral register
Lenders are very often checking if you are on the electoral register so even if you are not interested in voting it would be a good idea for you to register.

Tuesday, 11 January 2011

Changes to husband and wife's roles

Men need to feel that they are the head of the family and care for their wife and children. Currently we are changing the traditional family model for a modern one which is not good for anybody.
Many women are putting their jobs before their family as they feel that they should be breadwinners also. Many women do not want to have children at all as they value more their freedom, social life and independence or even if they wish to be mothers, they know that they are unable to reconcile a full-time job with having a baby. 

Putting a job before a baby does not really mean that women are choosing their career. It means that they are conscious of their choices. They know that work will be an important part of their life and they understand that they have to concentrate on a job first in order to be satisfied and not do a bottom job later on. 

Single mothers
Women do not need a man anymore to have a baby. It is very popular among British women to have a one night-stand to get a baby or to have artificial insemination.
There are also plenty of women who do not want to have children at all as they are very independent and having a baby could make them being unable to fend for themselves, getting fat and loosing a good job position.
Many decent men are running away from a relationship with a bossy woman as they feel ignored and excluded from that relationship. They do not feel needed anymore and feel abandoned due to the lack of any decision-making and fulfillment in their life.