Articles 8 of March is a day that every woman awaits with anticipation, and which makes many men nervous. What to give your lady so as not to disappoint her, do not seem stingy or

Articles

March 8 is a day that every woman awaits with anticipation, and which makes many men nervous. What to give your lady so as not to disappoint her, not to seem mean or banal, but also not to put the woman in an awkward position?

We have collected ten ideas for gifts that women rejoice.

1) Gift certificate

With the invention of gift certificates, many men breathed free more. A certificate is a practically universal gift for any lady who allows men to think only about payment and not be afraid to make a mistake with color, size or style. It is enough to know what shops and brands a woman loves to give her this gift. Already traditional was the option of certificate in the perfumes or cosmetics store. But if you want to look more original in the eyes of your chosen one, you can purchase a certificate in the clothing store whether accessories and even linen (if you have close relationships). Now almost any store offers such a gift option, so if you are well represented by the sphere of interests of your girlfriend, you can present it with a certificate in a store of equipment, sports accessories or goods for creativity.

2) a trip to SPA Salon

Certificates are not only for goods, but also for services. A rare woman will be indifferently possible to spend several hours in a SPA salon. Many salons offer a wide range of certificates: from a whole program to individual services. A universal option will be a relaxing massage. The only thing that will have to be done in advance: to study the reviews and the rating of salons in your city. It is unlikely that your girlfriend will delight the coming campaign in some nooks of the Sultan, which is located right around the corner on the site of the former grocery.

3) extreme impression

Or just an impression. Now there are organizations that sell certificates for entertainment programs, and many girls are enthusiastic about new impressions. In addition, if you acquire a certificate for two, you can share emotions with your woman – and what can bring closer closer?

Flying in the aerotherapy, swimming with dolphins, zorbing, quests, trampoline jumping – you can’t count options. It is not necessary to buy a certificate, it is enough to choose the entertainment yourself, to book and bring your lady in advance on the X at the appointed time.

Many girls love to be photographed and dream of a good photo shoot. This service is provided by most photo studios. Sometimes, as an additional service, you can also purchase the services of a makeup artist or stylist, who will help your chosen one to choose the desired image.You can also pay only the rental of the studio itself, which will come out much cheaper, so if you are limited in funds, look among your friends who knowledgeable in the shooting of studio lighting, and try to agree with him.

If your girlfriend has a hobby, or she has long dreamed of learning how to dance tango, master climbing, drawing with watercolors or modeling of clay, feel free to give her a trip to a master class in the chosen direction, just consider her level of ownership of the material. The girl will appreciate if you make up her company, and is it worth saying that if a paired, for example, dances are assumed, then the issue of your participation is not even discussed?

6) Subscription to the journal

If your woman reads magazines, you can give her a subscription for a paper or electronic version. Almost any larger magazine, especially gloss, have the ability to subscriptions to electronic versions. In addition, it is much cheaper. than the subscription to the paper, although many girls like to look through the classic versions of fashion magazines, staring in the bathroom.

7) Romantic dinner

Girls appreciate romance and beautiful gestures. Therefore, if you in advance boiling the table in her favorite place or in the place where she had long wanted to go, this will be a good option. Get dress more, call a taxi and do not forget about the colors. If the restaurant is preceded by a movie (of course, the film should be the one that your companion wants to watch), and after dinner it will wait for some cute gift, then on March 8 it will remember with pleasure!

Limited in funds is not the biggest trouble in the eyes of a woman, much more weighty – limited fantasy. Everyone can purchase a bottle of spirits, tickets in a movie or a certificate, but organize a romantic day full of pleasant surprises – only a truly in love or. The one who has financial problems. Do not worry, use ingenuity. Instead of one gift, come up with many small, but romantic: in the morning – a bouquet of flowers with home delivery (washing to persuade the same friend), her favorite sweets and goodies, sweet, complete romance letter in a mailbox, impromptu walk in the romantic places of your city In the afternoon (look for the corresponding legends in advance on the Internet), and in the evening – a bath with candles, foam, wine for two and relaxing massage in your performance.

Some women, on the contrary, have an extremely practical mindset. Usually they make life easier for their men, in advance and accurately what they need. Even if the Russian-Chinese phrasebook, a fitness mat or a set of pots for seedlings does not seem to you a suitable option for a gift, if he delights the girl, then he is the best.

10) if time is cut

If it happened like this (although it is impossible to imagine what can happen) that you forgot about the holiday and remembered it only in the morning, you will have to do with verified options.Run to a flower shop behind a bouquet, along the way to grab your favorite chocolate or goodness of your girlfriend (do you remember that she loves?). Tandem of sweets and flowers is a banal, but tested combination for years. It is not the fact that the girl will be delighted, but it will not be upset. If the lady is still sleeping, you have a chance to hit her breakfast in bed. In the company with a bouquet and sweets, it will be good. Also improvise: Dear, a surprise awaits you in the evening! While she is in the shower, book a table, look for film tickets and entertainment options.

Ideas for men's gifts by February 23

Representatives of the strong half of humanity are mostly very practical. Therefore, wondering what to give a man on February 23, women sometimes fall into a real stupor – I really do not want to meet a skeptical look that reproaches that the culprit of the celebration was again handed a real trifle. This collection presents the ideas of gifts that can serve the defender of the Fatherland really good service, to express the care of his well -being and make everyday life more comfortable.

Touch

The handle for capacitive screens replaced the traditional stylus. It has become much more convenient to gain text on a sensitive display, not to mention how the drawing process was simplified – and from the point of view of the image of such an accessory, the usual “feather” has clearly surpassed. Most capacitive handles have a low cost, despite the fact that many of them boast of useful additions-built-in mini-background or laser pointer. There are models that combine the functions of the stylus and ordinary, ink, handles for writing on paper.

Wireless headphones

Musical accessories are unstable things, and it will certainly not hurt anyone. A win -win option is a model without wires, providing complete freedom of movement. It can be synchronized with a phone, MP3 player, tablet, laptop and even a TV due to a Bluetooth connection (there are also devices that transmit sound via Wi-Fi, but they are more sensitive to interference). For a computer and TV, full -size, for a mobile and player – overhead or insertion are more suitable. If a man is actively involved in sports, priority on the side of the last, so -called inserts, and they should be prepared for long -term work without recharging.

Flashlight

A good moisture -resistant flashlight, for example, Fenix ​​flashlight will be a good gift for both fans of outdoor activities and everyday activities.

This can be a compact moisture -proof and bright lantern with an additional ultraviolet regime for lovers of hiking, fishing and hunting, a camping lamp for tourists, a good liner or a lantern working in the cold and in any weather for a motorist.

Hat with headphones

Run to a flower shop behind a bouquet, along the way to grab your favorite chocolate or goodness of your girlfriend (do you remember that she loves?). Tandem of sweets and flowers is a banal, but tested combination for years. It is not the fact that the girl will be delighted, but it will not be upset. If the lady is still sleeping, you have a chance to hit her breakfast in bed. In the company with a bouquet and sweets, it will be good. Also improvise: Dear, a surprise awaits you in the evening! While she is in the shower, book a table, look for film tickets and entertainment options.

Ideas for men's gifts by February 23

Representatives of the strong half of humanity are mostly very practical. Therefore, wondering what to give a man on February 23, women sometimes fall into a real stupor – I really do not want to meet a skeptical look that reproaches that the culprit of the celebration was again handed a real trifle. This collection presents the ideas of gifts that can serve the defender of the Fatherland really good service, to express the care of his well -being and make everyday life more comfortable.

Touch

The handle for capacitive screens replaced the traditional stylus. It has become much more convenient to gain text on a sensitive display, not to mention how the drawing process was simplified – and from the point of view of the image of such an accessory, the usual “feather” has clearly surpassed. Most capacitive handles have a low cost, despite the fact that many of them boast of useful additions-built-in mini-background or laser pointer. There are models that combine the functions of the stylus and ordinary, ink, handles for writing on paper.

Wireless headphones

Musical accessories are unstable things, and it will certainly not hurt anyone. A win -win option is a model without wires, providing complete freedom of movement. It can be synchronized with a phone, MP3 player, tablet, laptop and even a TV due to a Bluetooth connection (there are also devices that transmit sound via Wi-Fi, but they are more sensitive to interference). For a computer and TV, full -size, for a mobile and player – overhead or insertion are more suitable. If a man is actively involved in sports, priority on the side of the last, so -called inserts, and they should be prepared for long -term work without recharging.

Flashlight

A good moisture -resistant flashlight, for example, Fenix ​​flashlight will be a good gift for both fans of outdoor activities and everyday activities.

This can be a compact moisture -proof and bright lantern with an additional ultraviolet regime for lovers of hiking, fishing and hunting, a camping lamp for tourists, a good liner or a lantern working in the cold and in any weather for a motorist.

Hat with headphones

An alternative to wireless headphones can be a “musical” hat – this is a headdress and a translator of your favorite melodies. Sounds are transmitted via Bluetooth, while due to a sewn microphone, it is possible to conduct a telephone conversation without taking a mobile from a pocket. Autonomous time is usually at 5-6 hours, a USB cord is attached to charging. There are no problems with washing – the electronic filling is easily removed.

Gloves for fitness

A man who stubbornly and intensely improves physical data can be handed a couple of training gloves. They protect the hands from abrasions and corns, will protect the skin from the penetration of infections (which is quite relevant for classes in crowded halls), reduce pressure on the fingers and, due to special anti-slip material, will improve the clutch of the palms with sports shells (respectively, the risk of injuries will decrease ). The most convenient models are made of breathable neoprene with a thick lining, tightly fixing the wrists and leave open fingers. They can be equipped with removable weighting agents.

Kilt for the bath

A lover of pair rest can be presented with the so -called bath kilt – a kind of Scottish skirt, replacing a loincloth. Wearing it not only stylishly, but also truly convenient: the aerial material, does not get wet through and through, does not strive to slide every now and then (for reliable fixation, a waist elastic band and a ribbon of the Frame) is provided). The best choice is a product from natural terry fabric, which, in addition to softness, is inherent in the ability to perfectly absorb moisture.

Warm socks

It seems to be at least a million tanks about the old tradition of giving in the men's holiday to socks. However, these products are favorably different from ordinary “footcloths”, and it is not at all shameful to present them to a loved one – on the contrary, you will demonstrate a sincere concern for his comfort and health. Heating socks are complemented by special mini-plastins, which emit infrared heat, disperse it throughout the foot area and thereby eliminate the risk of freezing of the legs.Food can be from batteries (cheaper option) or from the battery, which is more practical. Nothing constant movements in the process of socks, heating elements are very thin and light.

Autoachin

If a man spends a lot of time on travel, he will probably be useful to a portable kettle working from a cigarette lighter – with this device you can cook hot drinks without leaving the car. It is not worth chasing high power, 100 watts are enough for full work. The optimal volume is 1 liter, compact design is welcome.

Capture

Another version of the gift to the motorist is a cloth-electro-gap for a driver's seat. When choosing, it is worth focusing on the material of the case (the artificial nubuk is ideal – non -combustible and moisture -repellent), the type of heating element (carbohydrates more expensive, but more reliable than metal) and the method of attaching the product (it is desirable that there are locks not only for the back, but also for the seat). Mandatory the presence of a thermostat, which allows to adjust the degree of heating. An additional plus will be the massage texture.

Apron of the beginner bartender

If the culprit of the celebration shows a clear interest in bartender art, make it happy with an exclusive apron with “cheat sheets”. To comprehend your favorite profession will be much easier, because the recipes of popular cocktails printed on the apron will always be before your eyes (the text will be specially expanded so that the guru itself is read, and not others). It is noteworthy that the product is ready for any surprises that can arise in the work of a novice bartender – is safely erased in a typewriter and is easily cleaned manually.

Circle-cooler

The connoisseur of beer and other soft drinks is useful to the so -called ice mug. It is a container with transparent double walls, the space between which is filled with a special gel. Actually, this gel supports the low temperature of the liquid-before operating, the container needs to be kept in the freezer from 2 to 4 hours (necessarily in the bottom position).Any drink poured into a chilled mug remains stably cool for an hour and a half.

Electric lunch box

The next gift is no longer intended for cooling, but for heating, and specializes in food, not drinks. An electric lunch box allows you to carry food with you in a compact sealed case and organize a full-fledged snack anywhere where there is access to a power source (as a rule, it is possible to connect to a conventional outlet and cigarette lighter in the machine). For already heated food, the carrying serves as an excellent thermos.

Radio General

A device that combines the functions of a classic alarm clock and FM receiver will help to wake up in a vigorous mood to the sounds of a favorite radio wave. If there is a USB port and power supply from batteries, it can also be used as a portable column. There are models with a recorder on sale that allow you to record your own ringtone for awakening; A smooth volume increase, auto shutdown, display backlight and built -in thermometer are also welcome. Some alarms allow you to program two time at once – for different users or one, the afraid to oversleep: in the latter case, the notification works with an interval of several minutes.

February 14, 2019

How to choose the right clothes to a full girl

To choose clothes that will sit well on the figure, you need to consider some nuances. Even a magnificent woman can be reduced so that she looks no worse than a Hollywood star. If you are in harmony with your body, then you can create an ideal image. The main thing is not to forget that when hiding the shortcomings, you need to focus on advantages.

Now any clothing can be bought not only in a custom store, but also over the Internet. In this case, there is a fullness to buy sweaters, trousers, large blouses with delivery from home.

But if the size of the woman is 46 or more, then you need to know some things in order to advantage the wardrobe.

Picture

The correct pattern on clothes will help to make the figure taller, thinner and slimmer, and the wrong pattern, on the contrary, will make it fuller and create an absurd image. It is preferable to choose a vertical stripe, diagonal check or any other patterns that are elongated vertically. It is better for full girls to refuse horizontal lines in clothes.

Layers of fabric

No need to choose a complex dress, complemented by draperies or frills, as well as asymmetrical skirts with many layers of fabric. These styles visually break the silhouette. It is better to opt for elegance and minimalism. A dress with a clear waist or a blouse at the waist, which can be complemented by frills on the chest or sleeves, will look great.

Length

The length of a blouse or shirt is easily determined in the following way: you need to choose the widest place on the hips and measure 5 cm down and 5 cm up from it. These two lines will be the most optimal length for choosing the top. The length of the skirt will depend on the heel. The ideal option is a skirt 5 cm below the knee and a heel 7-9 cm high.

Shoes

Bright shoes that attract attention are welcome. But it’s better to forget about flat shoes, so stylists recommend using comfortable ballet flats on pumps with a small heel. Naturally, in the summer during the beach season, you can’t do without sandals with flat soles, but the rest of the shoes should have at least a modest heel. As for the toe of the shoes, it should not be square or round, as it optically makes the legs shorter, while the pointed toe makes them slightly longer.

Accessories

• It is better to remove everything bulky from your wardrobe: large beads, large bags, wide belts and belts, as well as bracelets. There it is also worth sending pantyhose in the net.
• When choosing clothes, color is equally important. Clothes in pink, beige and white will make you look fuller, while blue, black, coffee and red will make the silhouette more elegant.
• To hide full arms, clothing should have flared or three-quarter sleeves.Under a strict ban will be the so -called “flashlights”, shoulder seizures and additional shoulders. For that, decorative shoulder straps will come to the place.
• The original finish will also help to distract attention from chubby shoulders. Embroidery or a bright pattern on the chest will be here in hand. The figure with wide shoulders will help to balance skirts that facilitate the hips and flared at the knees in conjunction with blouses with an oval neckline. But such a basic thing as a turtleneck with a high collar should be excluded from the wardrobe just like a skirt narrowed downward.
• To distract attention from a large breast, it is worth choosing fabrics of the same tone, without patterns and applications on the chest. The ensemble of a dark bottom and a bright top will look good. The cut shape should be round or triangular at medium depth. A good advice will be a girl with magnificent breasts to focus on the waist, highlighting her with a belt, while avoiding things that tightly fit or vice versa through the chur are free.

For a balanced and harmonious silhouette, a girl with full hips can be used by the ensemble of a light top and a dark bottom. Right trousers with a vertical strip, blouses with a wedge -shaped neckline or elongated models can become faithful allies. Shortened things like the tops and bolero visually make the hips wider, just like sweaters decorated with ties and belts on the hips line.

Clothing should hide the flaws of the figure and focus on the merits. If you follow the advice of stylists, then the image will be concise and completed.

The best proxy for bypassing locks

With individual proxy servers you do not have to worry about protecting personal data, since private iPs allow users to maintain confidentiality on the network. This is especially important if you have to work with valuable information of interest to Internet meshs (important codes, passwords, payment information, bank card numbers).Another option for using Proxy is to obtain free access to an unlimited number of web portals. You can buy a proxy for bypassing locks here at any time of the day at a pleasant price.

The principle of action of anonymous proxies

Proxy is in greatest demand among SMM specialists who are engaged in promoting goods or services on social networks (Twitter, VKontakte, Odnoklassniki, Instagram and many others). The fact is that quick and effective promotion of accounts is impossible without the use of special software that automate a number of actions:

Registration and maintenance of profiles.

Mass affirmation of likes, posting comments, subscription to targeted users.

Search for accounts at the request (place of residence, age, geolocation).

Unlimited mailing of applications for friends, invitations to communities or to events.

Communication with dozens, hundreds of users within the same dialog box.

Obviously, you have to work with a large number of accounts. However, not everything is so simple: the administration of social networks around the clock monitors compliance with the rules, and all attempts to “promote” the dishonest method are instantly suppressed. Therefore, in order not to get a ban, different IP addresses should be used to enter different accounts-individual proxies come to the rescue here.

The need to purchase private iPs arises if you need to get to the site, but access to it is limited to residents of your region by decision of the law. You can solve the problem in a matter of minutes-just buy the Proxy of the country for which the desired web resource is “open”. Anonymous servers replace the real address of a computer or mobile device with a new one – as a result, it becomes impossible to track where exactly you go to the network. Thus, you not only get the opportunity to visit the portals you are interested in without violating the law, but also hide information about your actual location.

Working proxies to circumvent blocking inexpensively

With reliable IPV4 and IPV6 proxy, in a wide range presented at https://proxyline.net, you will forget about the problems of access to websites, social networks, game and entertainment portals. The presence of proven unique addresses of the United States, Russia, European countries and neighboring countries, which are issued in one hand with a login and password. Our prices will pleasantly surprise even buyers with a modest budget.

Cash loan

You can get a cash loan without certificates at tinkoff.ru. He does not require any additional guarantees from his customers, you do not need guarantors. The bank carries out an individual approach to each client. You will learn more information on the site, qualified consultants will answer all your questions and help you choose the right service.

Applications for loans are issued online, the bank has long abandoned stationary departments. The conduct of all operations online allows customers to save their time, because you can get a loan without leaving your home. Applications are approved on the day of appeal. You can get a loan with a interest rate of nine percent per annum, it is calculated individually.

Cooperation with the bank has several advantages. To get a loan, you do not need any certificates, just have a passport. Nobody will demand confirmation of income. The bank offers a profitable credit rate. Funds are issued on a debit card, it is delivered to the client by the bank representative along with all the necessary documents. Money can be immediately withdrawn from the card or use it for calculations. Funds are issued for any purpose. The bank also offers free card maintenance during the year if you use a loan. Lending services make it possible to get the desired amount in the shortest possible time, you can pay a loan gradually in small parts without prejudice to the budget.

Without a bail, you can get up to two million rubles. Such a loan is issued for up to three years.If you need a large amount, then you can take a loan on the key to the TCP. On the security of the car, you get up to three million rubles. The loan is issued for five years. You can also take money on the security of the apartment. In this case, the bank is ready to offer you up to fifteen million rubles. An individual approach is carried out to each client. Both cars and real estate remain in the possession and use of their owners.

The bank provides bonuses to reliable customers. If you return the loan in advance, then the interest is recalculated at a reduced rate. The difference returns to the client. The bank’s website has a convenient online calculator that will help calculate all the conditions. The bank will help solve your financial problems as quickly and simple as possible. You get the money the day after leaving the application.

The second generation of Skoda Yeti 2019

Skoda was part of the Volkswagen Group unit. Despite this, these two European brands are competing today. Skoda has acceptable prices, therefore, it is available in developing markets.

Skoda Yeti received the title of best family car. Motorists and auto experts warmly met the output of this model. The crossover recommended itself well, and the first generation exit was in 2009. And now the Czech automaker decided to release the second generation.

Appearance of the new Yeti 2019

According to espionage photos and renders of the new Skoda Yeti, it is well noticeable that the SUV has a rather brutal look in relation to the previous version. He safely lost the status of a friendly “car” for the sake of a solid SUV. Manufacturers will begin comprehensive reform and create not only a new platform for their SUV, but a completely new body will be created. The company will conduct absolute rebranding the model.

The angular style of new generation is an integral part of the exterior of the car.

Skoda Karoq has become a successor to Yeti and is based on the MQB modular chassis. He has every chance of becoming the best among C-class crossovers.

The new Skoda Yeti will be similar to Kodiaq (the largest brand crossover) optics and a radiator grille.

The machine is equipped with optics with halogen emitters.

The new version of the car is represented by an improved front of the body. A set of fog heads has a rectangular shape. The device of the windshield can significantly improve visibility overview. The location of the steering wheel of the driver is in perfect harmony with the angle of inclination of his chair. The car used brighter body kit with bright non -metallic elements. The dimensions of the 2019 model year of the 2019 model year: the length of the body is 440 cm, the width is 184 cm, the height is 165 cm. They will allow you to travel along the roads to rebuild in a dense stream without any barriers.

How the interior and car filling will change

The design of the car interior is restrained, but it will not leave indifferent to its owners sweat and simplicity. It has a great resemblance to the ATEC crossover (SEAT)

An individual concept of the front panel and central console has been developed. The salon has grown significantly due to the new principle of its decoration. The car has a huge trunk (1800 liters), which allows the back row of seats to take shape.

The basic version is equipped with a steering column with adjustment, there are two airbags in the database, an improved climate control with maintaining a constant temperature and intense cruise control.

The manufacturer offered its customers nine automobile engines with a capacity of 105 to 170 hp. Everyone can choose an option that perfectly meets their wishes.

The transmission received two drive options full front, as well as two versions of the KP: mechanical (6 steps); Automatic (7-bands).

A reliable degree of brake system and excellent level of comfort are the main distinguishing features of the 2019 Skoda Yeti. It harmoniously combines the price category and technical parameters.

The all -wheel drive Koda Yeti will travel off -road with absolute comfort due to its improved technical parameters. Koda Yeti clearance has a significant advantage.Its tall road clearance will help to overcome all the obstacles arising in the way, whether it be rural or forest roads, or thick snow drifts. In this case, the machine can be strongly loaded and can “sag” under the weight.

When sales start in Russia

According to the latest media statements, the novelty will be presented in 2019 in Frankfurt, and sales will start their start in the first half of 2019. There is also a hypothesis that the premiere will happen a little later – in March 2019 in the Geneva Auto Show, and the implementation is by mid -2019.

Prices for new crossovers have not yet been set, but they should be significantly lower than on Skoda Kodiaq.

Forecast prices for a car make sense to request a skeoda dealer.

It is definitely impossible to answer the question of whether an improved car model on the Russian market will receive. An unstable and unreliable situation on our car market may affect this. But, with more confidence, one can guess that these crossovers will receive wide recognition among domestic motorists.

Granite monument

When designing burials, natural granite is often used, despite the appearance of a huge number of synthetic materials.

The granite monument, unlike other materials, is intended for service for decades. It does not lose its shape, copes with the influence of sunlight, precipitation and other natural phenomena.

Monuments from granite

The funeral of a loved one is always associated with experiences. But after the end of the funeral, everyone understands that death is an integral component of the existence of mankind. In any case, it is necessary not only to adequately conduct the deceased, but also accordingly to arrange the burial place. Modern companies operating in the corresponding segment offer the development of an individual design of the monument or manufacturing in standard format. Typically, at the first stage, a trial sketch is developed, and only after coordination with the customer do the master begin to make a monument.

Granite cannot be attributed to budget materials.In addition, the complexity and design of the monument affect the final price of the product. In some cases, customers choose simple designs, for example, granite crosses. It should be noted that even simple monuments in the form of a cross have a decent look. For the design of tombstones, additional materials, for example, marble elements, can be used.

Loans debts: solving the main issues

Long debts on loans have become this scourge of the loan market. After the crisis in the Russian and world economy, the number of debtors on loans increased significantly. And today, when the situation becomes stable, many of them are wondering how to correctly resolve the conflict with the bank.

How to restructure debts to banks

The first thing to say about is to loan debtors always have the opportunity to restore their credit history, solve conflict issues with the bank and pay off the debt. To do this, the borrower needs to clarify exactly which loan debts have, and also find out how to extinguish them better. You need to address your loan questions to the bank in which the loan was issued.

If there is a debt on loans of several banks, and credit cards are also issued, then it makes sense to contact the credit history bureau or the bank providing services for the provision of this service.

A specialist in the credit department, upon request, will provide the borrower with all the information regarding what interest on loans he should pay, what is the total amount of debt, how exactly the best way to resolve the issue with an expired loan.

It is worth noting here that loan debtors, as a rule, are in no hurry to contact banks for solving such issues, postponing an unpleasant procedure for later. It is not worth doing this in any case, because every month of delay increases the amount of debt. In addition, credit organizations often meet the debtors, preferring to receive loans debts in the manner of mutual agreement than through the court.

Where to go to restructure debts

In order to clarify what debts you have to the bank, find out what interest on loans have accumulated during the delay, you need to contact a credit consultant who will conduct all the necessary settlements.

Moreover, many banks make exceptions to their customers, reducing and recalculating the debts on loans, or conducting restructuring.

• Of course, in order to claim such loyalty, debtors for loans must have good reasons for non -payment of a loan, however, in most cases, it is quite realistic to resolve the issue with mutual benefit. A similar desire of banks to meet the debtors is understandable, because there are several reasons for that.
• Firstly, controversial and even conflict issues on the loan are a widespread, very common occurrence. Therefore, to resolve such situations in each bank, there are certain algorithms of actions that facilitate the borrower payment of debt.
• Secondly, the collection of debt in court is a fairly expensive procedure, and each bank makes maximum efforts in order to solve disputed situations in pre-trial order. The same applies to the sale of collateral property, as well as the use of other measures of influence on the borrower – all of them are quite effective, but at the same time differ in high complexity. Therefore, the client, who himself decides to pay off the debts on loans, find out the total amount of his debt and resolve all the problems with the bank, the credit institution will always be happy to go to the meeting.
• However, the latter should not reassure debtors on loans too much: the loyalty of banks has its limits, and, as a rule, they are quite narrow. In order for the restructuring of the loan to be really profitable for the client, and the conflict issue on the loan was settled taking into account the interests of not only the bank, but also the borrower, it is important to use the help of specialists, credit brokers, lawyers, etc.Here they will help to establish exactly what interest on the loan should be counted during the delay period, as well as determine the correct strategy in solving the controversial situation so that the restructuring of the debt is really profitable and acceptable for the borrower.

How to choose the right cable section and electric machine gun

Each power electric circuit must be protected by a circuit breaker for electrical equipment, in case of overload and short circuits. It is important to correctly choose a power cable and an automatic protection machine. To choose the cross section of the cable correctly, you need to take into account the specific features of the functioning of electrical machines.

Methodology for determining the section of the cable and choosing a protective machine

Many, when choosing the minimum section of the cable, are guided by the most acceptable electrical current values ​​for this section. This is not entirely right. Because, a situation may arise in which the cable will fail faster than the protection machine will work.

To take into account this moment, the following method is applied.

When choosing a cross -section of the cable, it is accepted that a current 6 A. Then the machine is selected for 1 sq. Mm, depending on the specified current, nearest in value.

When choosing a circuit breaker, it should be taken into account that its rated current should at least one “step” yield to the value of the section of the cable used:

10 A – 1.5 sq. Mm;

16 A – 2.5 sq. Mm;

20 A or 25 A – 4 sq. Mm;

32 a – 6 sq. Mm.

Features of the operation of protection machines

The fact is that instantly the machine will turn off only with a significant increase in current. In this case, the electromagnetic release is triggered. For example, in a category of category C, it begins to act when the current exceeding the nominal one is 5 to 10 times. In this interval, the machine can turn off both instantly and with a delay. It depends on the state of the machine – “cold” or “hot”. At the same time, it is guaranteed that instantly the machine will work at a current exceeding the face value by 10 times.And this is possible mainly with a short circuit. If the current did not exceed the value necessary for the operation of the electromagnetic release, but exceeds the value of the face value by a certain value, then the thermal release works, which turns off the machine through a certain final interval of time. And if it is illiterate to calculate the cross -section of the cable, then with a significant excess of the value of the permissible current, it can “burn out” before the machine gun is activated.

All machine guns have the so -called “conditional clinic current”, which has the designation “int”. Int = 1.13 * in (in – rated current of the machine). If the current current is below this value, then the machine will not turn off at all. When this value is reached, the machine is guaranteed not to turn off within an hour. Or it may not disconnect at all.

And with a “conditional shutdown” (IT), the machine will necessarily work within an hour, depending on the current temperature of the circuit breaker. It = 1.45 * in.

The shutdown time is determined according to the schedule called the time-current characteristic.

An example of the correct calculation

A set device with consumption current I = 14 A. It is necessary to determine the minimum cross section of the cable and choose the protection machine. The machine will use categories C.

We apply the described technique.

We find the minimum cable section (S). S = 14 A: 6 A/sq. Mm = 2.33 sq. Mm. Choose the nearest cross -section nominal in the larger direction equal to 2.5 sq. Mm.

The circuit breaker, closest to the specified current, will be at 16 A (C16).

An example of incorrect calculation

Now let's try to determine the cross section differently. We will use the most acceptable currents for wires. From the tables we learn: a cable with a cross section of 1.5 sq. Mm corresponds to a current of 17 A, for a value of 2.5 sq. Mm – 25 A. It would seem that for our example the first option is quite suitable. But let's recall the features of the automatic.

The “conditional current of the non -power” for our example will be Int = 1.13 * 16 A = 18.08 A. With this current, the machine may not be disconnected at all, and if the current is slightly lower, it will not turn off at all.And if, for some reason, such a current (about 18 A) flows through the machine, then the cable, having a cross section of 1.5 sq. mm and a permissible current of 17 A, will experience constant overload.

Further. The “conditional breaking current” will be It = 1.45 * 16 A = 23.2 A. This is significantly more than the current of the selected cable (17 A). And if, for some reason, such a current (23.2 A) flows through the machine, then, being in a “cold” state, the machine will turn off in about an hour. During this time, due to a significant excess of the permissible current, the cable insulation will begin to melt, which can lead to fire and fire.

Therefore, it would seem that the correct choice of a cross-sectional area of ​​​​1.5 sq. mm with a maximum allowable current of 17 A is not good. But a cable with a value of 2.5 sq. mm and a maximum allowable current of 25 A is quite suitable. As it was calculated according to the method at the very beginning of the article.

Conclusion

The choice of the type of power cable and its parameters must always be approached with great responsibility. And then you will be able to avoid unpleasant surprises. In addition to the requirements for the cable cross-section, other criteria must be taken into account, such as protection against mechanical damage, combustibility of the cable. So if the cable is laid in residential premises, then it should not support combustion and be low-smoke. When laying in the ground (trenches), the cable must be armored, as there is an increased risk of damage during operation. An example of such a cable can be seen here https://www.optcable.ru/kabel-no-provodnikovaya-produkciya/kabel-silovoj-s-pvh-izolyaciej/vbbshv-4×50/

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