Christmas In Colombia

Christmas in Colombia

Colombians celebrate Christmas with a tradition called novena.

The novena is prayed for nine night from 16 to 24 December. Every family meets in front of the nativity sign, and when the pray has finished,the party begins with carols singing
and traditional dishes.

The novena is celebrated in a different home each night. 

On December 24 a special mass is celebrated at midnight. When the mass has finished, it is  time to give presents eat special food, and meet with relatives and friends.

To everyone at in LINC, I wish you a merry Christmas.

Rent Versus Buy

Rent Versus Buy

Everyone needs a place to live. Sometimes the people have a free place to live, such as home with their parents or Government housing, but most people need to pay for their home. The question is there are rent or buy. Which is best? You search for the best financial plan for your situation. There are many variables, such as: mortgage rates, cost, income, location, condition of the build will it need major repairs or replacement as it ages, among others.

If you want to buy a home, you must also consider the new financial responsibilities, including property taxes,  insurance costs, home alarm, snow removal, or gardening.

It is important always to make your payments on time. Making late payments is called delinquency, and can negatively affect your credit rating. A good way to prevent late payments is to have the amount automatically deducted from  your bank account every month, bi-weekly or in weekly payments. It is also recommended that you keep at least three months of mortgage payments in savings for emergency situations.

If you do not feel comfortable with one decision, it is best to look for a consultant.

Remember, it is a big decision.