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What is your credit score and how to improve it? - Duration: 3:35.
Do you need a good credit score to buy a flat? Not really. However if your score is
bad, it will be much harder for you. Do you know what credit score means? Your
credit score is an evaluation of how probable it is that you repay your debt
with principal and interests as arranged in the lending contract. Historically, the
credit score was invented to evaluate the willingness to repay instead of
fleeing away. Nowadays, the risk that you just take the money and run is neglectable.
The score evaluates your ability to repay. If you lend money to a friend, you
believe he will pay back because you know him well and you trust him. The
banks don't know you personally so they look for alternative ways to be able to
trust you. Usually this is possible thanks to two mechanisms. One is the
charge on the land and the other one is based on your credit score. To evaluate
your credit score, some data about you and your behavior are collected and
compared to the data of other borrowers.
Thanks to this score, your bank evaluates the risk that you can't repay your debt.
This may impact whether or not you receive a mortgage. It may also impact
the interest rate you will have to pay. To increase your chances to get the
mortgage and to lower the interest rate, you can try to influence your credit
score. This technique works on the long run,
so prepare it in advance. Keep an eye on your score and monitor its evolution. If
it goes up or remains stable, you are doing well. If it goes down, do something
to improve it. Check that every information is correct and track the
origin of each entry. If you have a long tracking history, your score should be
better. You don't need a credit for that. Sometimes it is enough to have a
checking account. Behave like a trustworthy person.
Do not open many bank accounts and do not change your address too often. This
could be interpreted as an attempt to escape from a creditor.
Do you want to buy a flat in Munich? I give you knowledge about ownership in
the city. A proven successful preparation for your own flat. Subscribe and visit
flatinmunich.de
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Adoption is a Home - Duration: 5:20.
We have a love-hate relationship with our home.
We've made so many memories here.
We thought we were just renting during the adoption process,
but we were always on the lookout, thinking,
we need to find a place for our family permanently.
So we've been here just about ten and a half years.
We brought our whole family over on Christmas Day and announced to them,
we're going to adopt.
There was a slowdown that happened in Ethiopia, the first program we were in.
So you have to just wait. And I think that waiting period,
as it began to extend longer and longer became
definitely the most difficult challenge that we ran into at first.
Hearing that you've been matched with a child is what you're waiting for that whole time period.
So many needs with this kiddo that we were saying yes to,
but all of that just paled in comparison to the joy of that moment.
Later on we had gotten a phone call that
the child we've been referred had started having seizures,
which wasn't on his list of concerns before.
How do we do that with, you know, four daughters who are less than eight years old?
It's very difficult when you want to help somebody and you have to walk away.
I think it's the right thing just to say, what was that experience for?
Maybe our journey's done. Maybe we need to sit in that a little bit.
It doesn't make any sense, but really that was kind of the theme of our lives at that time.
We found this home and it was really perfect for us.
And I remember our caseworker Julie calling around that time, checking in.
And she said, "Have you ever thought about China special needs?"
My whole heart was in Africa. Now we had years invested,
we had finances invested, paperwork invested.
It really was a surprising thought to consider.
We hadn't made a decision about it because now we're in the middle of possibly buying a home.
Me and the kids would always hop in the van every day and go drive by this house.
That day when we drove up to the property, the kids said,
"This doesn't really feel like our house today mom."
And they didn't know anything about what we were considering.
And I said, "You know what? You're right. It doesn't really feel like our house."
And I just heard the Lord say,
"You know, you can have a house, or you can give a child a home."
And God knew that it would take that to really go all in.
And so we said no to the house and we said yes to China special needs.
When we got this referral we were elated.
It was everything coming together. It was all making sense.
There was some sort of a glitch, and the government had actually referred him to another family.
Felt like the rug got ripped out from under us again.
I mean I was questioning everything. And I would just walk and cry and pray out loud,
and say, God I don't understand what you're doing.
Is there something I'm doing wrong?
In a way you feel like you have nothing to show for this.
Is there something we need to do differently?
What did we do this for? Even though deep down
every time I would have those questions it would be,
"But I called you. Will you trust me?"
I know you don't want to get excited yet, but listen, we think this file's coming forward.
Would you be interested?
I know what's happened in the past when I've said yes, and stuff falls through.
So I mean we can say yes.
I reached out to a couple of friends and one of the friends texted me,
and she texted me the song "Never Once," by Matt Redman. And in the first few seconds of that I saw
this young adult Asian man worshipping and lifting his hands, and God said,
"That's your son. That is who... I'm giving you a glimpse into the future and I want you to say yes to him."
All of those things coming together released me to hope again,
and released me to love again and to say, to say yes.
Every time I look around that dinner table, and we're all just crammed around it,
things are being spilled everywhere, and I just think, this is a home.
And it really doesn't matter whether it's been here in our rental house,
I get to take my home with me wherever I go because it's them.
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Lexus IS Cabriolet 250C Cabrio Luxury automaat - Duration: 0:53.
For more infomation >> Lexus IS Cabriolet 250C Cabrio Luxury automaat - Duration: 0:53. -------------------------------------------
Steven Avery's Children: Do They Think Their Father Is Guilty? | Heavy.com - Duration: 7:28.
Steven Avery's Children: Do They Think Their Father Is Guilty? | Heavy.com
Screenshot of Video Steven Avery's children have largely remained quiet since Making a Murderer first aired, but his twins once spoke about whether or not they believe their father is guilty.
Steven Avery's children, who are scarcely mentioned during Making a Murderer, have largely remained quiet since the show first debuted in 2015.
Many fans have posed the question of whether or not his children believe him to be guilty in the murder of Teresa Halbach.
What do his children think of their father's charges?.
Avery has four biological children with with ex-wife Lori Mathieson, who he split from after his rape charge in 1985. Mathieson, who was a 19-year-old single mom when they first met, had a son before she and Avery started dating.
Together, according to the first episode of Making a Murderer, they raised her son, Jason, and then had four more children: Rachel, Jenny, Steven Jr., and William.
According to Making a Murderer, things became strained after he was wrongly convicted and imprisoned on a rape charge back in 1985.
Avery claims to have received threatening letters from his now ex-wife, telling him that she "can't handle [their] kids anymore," and prison records show that Avery also sent threatening letters to Mathieson, writing things like "I hate you, you got your divorce now you will pay for it," and "if you don't brang [sic] up my kids I will kill you." The two divorced in 1988, and Avery was eventually exonerated after DNA from that case was re-examined and proved he did not commit the crime.
Mathieson went on to marry Avery's former brother-in-law, Peter Dassey after the two divorced.
According to Post-Crescent, the children have mostly cut ties with their father, and that "four or five [of the children] have said Avery should not have been let out of prison [the first time].".
Although the Avery children have primarily kept out of the spotlight since Making a Murderer aired, his twin sons, Steven Jr.
and Bill Avery, broke their silence on their father's second time in prison shortly after the release of Making A Murderer, part one. The pair spoke of their confusion on the topic when they appeared on Crime Watch Daily in 2015.
"He had so much coming for him.
Why would you throw it all away?" Bill Avery said during the interview with Crime Watch Daily.
Steven Jr.
Avery claimed that it had been 20 years since he last spoke with his father and Bill agreed.
"I just see him as a complete stranger," Bill said.
"I know that he's my father, but I grew up without a father for so long that it just kind of feels like I don't have (one).".
They told Crime Watch Daily that they declined to participate in the docu-series mainly due to the fact that they don't remember being asked.
They told Crime Watch Daily that they have conflicting feelings about the series, and it is often uncomfortable to watch their father's case play out so publicly. "It sucks having everything out in the open like that.
At the same point, it's good because a lot of people see a little bit of a bigger picture," Steven Jr.
told Crime Watch.
Regarding whether or not he thinks his father murdered Teresa Halbach, Steven Jr.
told Crime Watch that he doesn't know. "I have no idea," Steven Jr.
said.
"I mean, only one person can answer that and that is Teresa, but she can't answer it no more.
The only thing I know is that the entire case was very shady.
It's clear that there was corruption.".
He continued: "I don't wanna live life saying he's guilty when he's really innocent or he's innocent when he's really guilty, and I would just — I just wanna know the truth from him.
If he did do it, why? So this way I can finally move on and then I can tell his grand-kids the truth and so they know the truth.".
His twin told Crime Watch that he doesn't believe that their father killed Halbach.
And when asked what they thought if their father didn't actually commit the crime he was imprisoned for? "That's the scary part.
That means some random person is just running free with a murder hanging off of them.
No matter what I want justice for her," Bill and Steven Jr.
said.
READ NEXT: Making a Murderer 3: Will There Be a Third Season?.
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