And what about fees?

“The clerk held in front of him a scroll with a red wax seal affixed, the kind of thing believed to make a document official – or at least expensive and difficult to understand, which, in fact, amounts to the same thing.” Terry Pratchett Usually when people buy a house they look for the best …

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About advertising, ethics and legality

“Creative without strategy is called ‘art.’ Creative with strategy is called ‘advertising.’”Jeff L. Richard Lately it has come to my attention that in the news programs, the news presentators make publicity as if it were part of the news they present. For instance Matias Prats (a well known spanish news presentator), after telling all the …

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One about taxes

“This is a question too difficult for a mathematician. It should be asked of a philosopher”(when asked about completing his income tax form)”― Albert Einstein | 1879-1955 A tax (from the Latin “taxo”) is a financial charge or other levy imposed upon a taxpayer (an individual or legal entity) by a state or the functional equivalent of a state …

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About law and justice

Many people believe that they can go through life and and have nothing to do with the judicial system, but THEY ARE SO WRONG. We stumble upon law, justice and the judicial system in all layers of society, and almost everything we do has or can have legal consequences. If you buy bread in a bakery, …

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About loans

“A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain..” Mark Twain (1835-1910) American author. A mortgage loan, also referred to as a mortgage, is used by purchasers of real property  to raise funds to buy real estate; by existing property owners to raise …

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