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Learn a little more about the history of tattoos

Have you ever stopped to think about the origin of tattoos? In this article, we will talk about the history. Getting tattooed is an ancient practice that is currently more frequent and accepted by society.

The art of making a tattoo in which a pigment is placed on the skin and inserted through a needle. In this way the color of the skin is permanently modified.

Tattoos can be seen as rebellion against the social system. Only that's not the only reason why people get tattooed, there are others. Tattoos can be a way to save skin, whether due to an accident, which leads to an increase in self-esteem.

Conozca un poco más sobre la historia de los tatuajes
Learn a little more about the history of tattoos (Photo: Internet)

The origins of tattoos

A historical fact that proves that prehistoric people knew about tattooing. They are the instruments that were discovered in countries like Scandinavia, France and Portugal. These materials are approximately 12,000 years old and were used for tattooing.

There are tattoos found on mummies, such as that of the Iceman, Ötzi, who is believed to have lived around 4,000 years BC. It is also known that tribes such as the Celts and Germans tattooed themselves.

Mummies dating from 2000 BC Amunet, Egypt and Pazyryk, Siberia, featured tattoos upon discovery. From what can be observed, the custom of tattooing has been present since the beginning of human history.

religious symbols

One of the healing methods and religious symbol in India and Egypt, were tattoos. As they also meant a social position or could even mean a type of punishment. For example, in the Philippines tattoos signified an achievement or rank, their beliefs said that tattoos possessed magical properties.

When the Christian religion emerged, the belief that tattoos were only for barbarians began to spread throughout Europe. But tattoos came into use again in the 16th century with transatlantic voyages.

Navigators such as Captain James Cook and William Dampier brought home indigenous people from the various lands they visited and many of them had tattoos.

Tattoos and cultural transformations over time

Initially, tattoos were exclusively for lower class people or sailors. As time went by, tattoo artists became more skilled at their art. Making tattooing become a hobby of the aristocratic class. These managed to bank with the high costs that the professionals charged.

Cultures like the Roman, Greek and Chinese, had the custom of tattooing slaves and criminals, to be able to easily identify them if they escaped. During World War II and after, hepatitis became a public health problem.

For that reason, several countries prohibited this art. It is known that some of them until recently removed that ban.

In the Guinness World Record for the largest number of tattoos is Gregory Paul McLaren. He has the 100% of his skin tattooed. Following him is Tom Leppard who was born in the year of 1934, who owns a total of 99.9% of his tattooed skin.

According to statistics, currently one fifth of the adult population in the United States has at least one tattoo.

 

 

 

Things you need to understand before applying for a loan

Ask for loan It is an important financial decision, so it should not be taken lightly. But, Before adopting such a procedure, it is necessary to assess whether this is really the best option.

When we have emergency savings, and these are not always available, debts grow and accumulate. Therefore, there are more and more people looking for a personal loan to be able to pay for those emergencies.

Many times it is large medical bills, medications and credit card debt. The financial area is something that, if not taken care of, can affect the other areas, because it is necessary to make an intelligent decision. So, consider the questions that we will ask you next.

Why do you need the money?

Knowing why you need to borrow in the first place is the most critical indicator you need to pay attention to when thinking about borrowing. Lending money is an important financial decision. And since it can help you, it can also harm you, everything will depend on how you manage the money.

One of the most important loans of your life is to obtain the money for the purchase of your house, where you mortgage it. If you manage to pay a good initial value and it is a home that is within your means, it could mean that asking for a loan is a good option.

Cosas que necesitas entender antes de pedir un préstamo
Things you need to understand before requesting a loan (Photo: Internet)

But what about personal loans?

According to what was published by Finder, on 47 % the interviewees obtained a personal loan to pay for tickets and/or emergency payments. Borrow money to pay for things like medical bills, a dented car, or a flooded basement.

It is not ideal, so the recommendation is always made to have savings for emergencies. With this, it is estimated that 69% of Americans do not have savings for emergencies that go beyond $ 1,000.

How much can you afford for a loan? (and pay)

Now that you have determined why you need the money and that asking for a loan is in your best financial interest, you'll need to think about how much you can (and do) realistically afford. The word afford is a tricky one.

Just because you can make the monthly payment doesn't mean you can actually afford the loan. In fact, a recent Harvard study showed that nearly 40 million Americans live in a home they can't afford.

The cars are similar. A study by Bankrate showed that most families can no longer afford the average new car. While a AAA study showed that 64 million drivers could not get just $ 500 or $ 600 for a car repair.

The first step here is to ignore the APR on the loan for a moment. That's usually the first thing the loan originator will try to sell you. And rightly so, it's a standard way to compare loans quickly and easily.

Last considerations  

But what's even more critical than the APR is the total cost you'll pay for the loan, sometimes called the TAR (Total Reimbursable Amount). This is the amount you borrow plus the interest you will end up paying over the life of the loan.

A simple way to calculate this is by using a basic loan amortization calculator, like this one from Calculate Stuff.

Also read:

Learn how your credit scores are affected by loans

 

When is it a good idea to get a personal loan?

One personal loan they can be a viable option in a variety of circumstances. First, let's define a personal loan. Some loans are for a specific purchase. You buy a house with a home loan, buy a car with an auto loan, and pay for college with a student loan.

But a personal loan it can be used for almost anything. Some lenders want to know what you will do with the money they lend you, but as long as it was lent for a responsible and legal reason, you can do whatever you want with it.

But what does that mean to you? With a mortgage, your home is the collateral. Similarly, with an auto loan, the car you buy is the collateral. because a personal loan often unsecured, "unsecured", the interest rate will likely be higher. There are also secured loans if you want to reduce your costs.

Here are five circumstances in which a personal loan it could be a good idea.

Préstamo Personal
Personal Loan (Photo: Pixabay)

1. Consolidate credit cards
If you have one or more credit cards that are maxed out, you may be able to get a personal loan to consolidate all charges into one monthly payment. Which makes this scenario even more appealing: The interest rate on the loan could be considerably lower than the annual percentage rates (APRs) on your credit cards.

2. Refinance student loans
Student loan refinancing can provide some financial relief. The interest rate on your student loan can be 6.8% or more, depending on the type of loan you have. But you may be able to get a personal loan with a lower interest rate that allows you to pay off your loans faster.

If you use a personal loan to pay off all or part of a student loan, you'll lose the ability to deduct your interest payments (when you file your income taxes) along with the benefits that come with some loans, like forbearance and deferment AND if your balance is considerable, a personal loan probably won't cover it anyway. Think carefully about all the issues before choosing to refinance your student loans.

3. Finance a purchase
Financing a purchase depends on whether it is a desire or a need. If you're going to take out a loan anyway, getting a personal loan and paying the seller in cash might be a better deal than seller financing. However, never make a financing decision on the spot. Ask the seller for an offer and compare it to what you could get. Then you can decide which is the correct option.

4. Pay for a wedding
Any major event, like a wedding, qualifies if you end up putting all the associated charges on your credit card without being able to pay them off in a month. A loan for a large expense like this could save you a considerable amount in interest charges, as long as it has a lower rate than your credit card.

5. Improve your credit
A personal loan You can help your credit score in three ways. If your credit report shows mostly credit card debt, this may help your "account mix." Having different types of loans is often good for your score.

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Curious information about Marvel movies

  1. You have probably seen all Marvel movies. I'm talking about Fox movies, Sony movies, and Marvel Entertainment movies. Wouldn't it have been great if they were all under one roof? Well, we can dream that one day that will be possible. Until then, we will only have to enjoy them in their different flavors and styles. Below is a list of 10 interesting facts about Marvel movies...

10. FOX originally owned Daredevil and intended to make a trilogy set in the '70s and '80s. The movies were supposed to be inspired by the music of those periods: Classic Rock, Punk Rock, and New Wave. Thank God, the rights returned to the Marvel movies.

películas de Marvel.
Marvel movies (Photo: Pixabay)

09. Lionsgate almost made a Black Widow movie in 2004. They had planned to give the character superpowers from an experimental suit and she would have a secret identity as a gardener.

08. Marvel originally wanted the Hulk to turn gray under Scarlet Witch's spell in Avengers: Age of Ultron. Unfortunately, this idea was scrapped in post-production.

07. Before the critical failure of the recent Fantastic Four movie, FOX was planning a shared universe with the X-Men franchise and the Fantastic Four. It is a pity. I imagine this would play nice on screen.

06. Hugh Jackman once walked around Comic-Con dressed as Wolverine. Unfortunately, hardly anyone recognized him. Instead, people even complained that he was too tall for Wolverine cosplay.

05. It may sound crazy now, but Jon Favreau was originally hired to direct Captain America as a comedy. When that didn't happen, Marvel allowed him to work on Iron Man.

04. Quentin Tarantino has always shown his love for comics and superhero characters. Interestingly, he almost directed a Luke Cage movie starring Laurence Fishburne early in his career. When negotiations failed, he left the project to work on Pulp Fiction.

03. Could a piece of fan art be enough to convince marvel movies to choose an actor? Well, it happened to Andy Serkis, who plays Ulysses Klaw. The Avengers Age of Ultron creative team found a photoshopped image of the actor and thought it was a brilliant idea. The rest is history.

02. While many have filled in for the lack of mech shooters in Sam Raimi's Spider-Man, the original trailer for the 2002 movie showed Peter Parker using them. At some point, the studios must have decided to get rid of them.

01. Despite Tony Stark and Steve Rogers's on-and-off friendship and constant bickering that sparked the Civil War, in a Marvel multiverse the two got married. Well, not exactly. On Earth 3490, Tony is born Natasha Stark and becomes Iron Woman. She eventually marries Captain America and avoids the Civil War.

Undoubtedly the marvel movies They have gained great repercussions in our time due to their value within pop culture, but also due to their large box office movement and characters. Releasing more than one movie per year they become more and more popular.

Tips before you decide to ask for a student loan

The summer before your freshman year in college means choosing classes, checking your future roommate's Instagram, and figuring out how you're going to pay the bills. You will probably need a student loan: 2 out of 3 students are in debt when they leave school, according to the Institute for College Access and Success's 2017 graduation date. But consider a loan after you've accepted grants, scholarships, and work-study. You can get them by submitting the Free Application for Federal Student Aid, or FAFSA.

Here are things to know to get your first student loan.

préstamo estudiantil
student loan (Photo: Pixabay)

1. Opt for federal loans over private
There are two main types of student loan: federal and private. Get federal loans first by completing the FAFSA. They're preferable because you don't need a credit history to qualify, and federal loans have income-based repayment plans and forgiveness that private loans don't.

Take a private loan only after you maximize federal aid.

2. Borrow only what you need and can reasonably repay
Undergraduate students can borrow up to $ 12,500 annually and a total of $ 57,500 in federal student loans. Private loan borrowers are limited to the cost of attendance (tuition, fees, room, board, books, transportation, and personal expenses) minus financial aid that you do not have to pay.

3. You will pay fees and interest on the loan.
You will owe more than the amount you borrowed because of the fees and interest on the loan.

All federal loans require you to pay a loan fee, or a percentage of the total loan amount. The current loan rate for student loans direct for university students is 1.062%.

You'll also pay interest that accrues daily on your loan and will be added to the total amount you owe when repayment begins. Federal college student loans currently have a fixed rate of 5,05%, but it changes every year. Private lenders will use your or your co-signer's credit history to determine your rate.

4. Once you accept the loan, your school will take care of the rest.
Your loan will be repaid to the school after you sign a promissory master note agreeing to repay it.

"All money will be sent to and processed through the financial aid office, whether it's a federal or private loan, and will be applied to the student's account," says Joseph Cooper, director of Michigan Technical's Center for Student Financial Services. University in Houghton, Michigan. Students are then refunded any money left over to use for other expenses.

5. You can use the loan money only for certain things
the money of student loan it can be used only for education-related expenses.

"It can't be used to buy a car," says Robert Muhammad, director of the office of scholarships and financial aid at Winston-Salem State University in North Carolina. "It's specifically for educational purposes: books, clothing, anything that is specifically tied to the pursuit of your education."

You can't use your loan for entertainment, takeout, or vacations, but you must use it for transportation, groceries, study abroad costs, personal supplies, or off-campus housing.

6. Find out who your administrator is and when payments start
If you take federal loans, your debt will be turned over to a servicer student loans hired by the federal government to manage loan payments. If you have private loans, your lender may serve as your servicer or similarly transfer you to another company.