5 dicas para comprar os sapatos perfeitos

5 dicas para comprar os sapatos perfeitos

Abril 19, 2016 /505 comment(s) Sem categoria

Não vai quer passar o seu dia, com dores nos pés, mas quer de facto ser uma cinderela? Para que isso se concretize há alguns factores que deve ter em conta na altura da compra dos seus sapatos. Veja quais no artigo desta semana.

Em paralelo vamos lançar um novo “serviço” nos artigos semanais do blog, a que vamos chamar Sugestões ABOUT ♥♥ . Ou seja,  sempre que se justifique, no final de cada tema ficará uma lista de empresas que a ABOUT sugere.

  1. Textura

A textura do sapato deve estar em harmonia com a do seu vestido. Se o seu vestido é delicado e de renda, por exemplo, não ficará bem com um sapato de veludo, mesmo que a cor desse sapato seja exactamente igual. Conjugue as texturas, não se esquecendo de se sentir sempre confortável.

 

  1. Cor

A cor do sapato não precisa ser exactamente no mesmo tom do vestido, mas é imprescindível que sejam tons que combinem. Pode ousar e escolher cores diferentes, como prata ou dourado, desde que o estilo do sapato esteja de acordo com o vestido. Pode ainda conjugar com a cor do bouquet. Fica super Fashion!

  1. Altura

Não querendo ser conservadora, uma noiva muito mais alta que o noivo nunca é muito agradável, em termos de imagem. Assim tenha em atenção com que altura fica com os sapatos calçados. Caso não exista essa questão, opte por uns sapatos com salto, desde que se sinta confortável, pois é o factor mais importante, pois a postura obtida será de pura elegância e glamour.

 

  1. O local

Claro que se é uma noiva de praia, ou outro local ao ar livre, está fora de questão, usar sapatos com salto alto, pois não vai ficar com certeza confortável. Opte por outros modelos igualmente bonitos e ousados, pois nem só os saltos altos são a opção ideal. Volto a dizer mais uma vez, o importante é sentir-se bem.

 

  1. Personalize

Já que vai ser princesa por um dia, porque não personalizar os seus sapatos? Há modelos lindos, já no mercado português e que de facto nenhuma noiva vai ter igual, pois pode mandar personalizar os seus sapatos com o que pretender. O que acha?

A maior parte das empresas oferece a opção de personalizar um sapato que já tenha inclusive comprado e que ama de paixão, ou optar pela oferta completa deles. Veja o directório ABOUT ♥♥

 

  1. Dica preciosa

No entanto e tendo em conta a experiência que tenho tido ao longo dos casamentos que tenho realizado, o meu conselho para a noiva é sempre que leve uns segundos sapatos, mais confortáveis. Pois com o calor e o facto dos sapatos que vai usar serem novos, ao fim de algumas horas podem começar a incomodar. E isto é a última coisa que se pretende, neste dia verdadeiramente mágico, em que tudo tem de ser perfeito.

 

Sugestões ABOUT ♥♥

Sapatos Namorar Portugal

http://alinha.pt/namorarportugal/

Girlsvinci

http://girlsvinci.com/

Helsar

http://helsar.com/especialidade

Atelier Fátima Alves

http://atelierfatimaalves.pt/

And I wonder

http://www.andiwonder.com/

Da vossa sempre amiga,

Olivia Magalhães

Wedding planner

 

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So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. 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We are asked regularly, ‘can I remortgage with bad credit?’ Many borrowers want to know specifically which types of credit issue are acceptable, so below we have created a list and outline what is and isn’t possible when getting approved for a remortgage with bad credit: No credit history Low credit score Late payments Missed mortgage payments Defaults CCJ’s IVA’s Debt management Schemes Repossessions Bankruptcy Payday Loans And mortgage customers with multiple credit problems There are all sorts of different reasons customers look for a bad credit remortgage, including: Debt consolidation (bad credit mortgage refinance) Looking for a better rate Capital raising to purchase something (house/car/holiday etc) Let to buy remortgage with bad credit (remortgaging onto a buy to let and moving home) Marital split (remortgaging to buy out ex partner) Raising money for investment purposes (that not all lenders consider) If you’re looking for any of the above, or are simply just seeking some information, please get in touch and we’ll have one of the experts offer you the advice you need. How to remortgage with bad credit: Bad credit remortgages are a tricky thing to explain in one article and still make it relevant for everyone, because every situation is different. Lenders have certain criteria but then for certain customers, it may be possible to overturn a case that would usually be a decline, if it is a strong proposition for a lender regardless. Sometimes, customers with huge savings and great LTV’s can obtain bad credit home mortgage refinance deals regardless of their credit history. Below is a step-by-step guide of the best way to remortgage for bad credit customers, to help them prepare for applications and to assist them in gathering the right info for us upfront, so we can be best placed to offer the right advice. Don’t go to your bank! This is a very important step. I know it sounds so biased coming from a mortgage broker website but it’s true. We are NOT anti-banks, we all need them. We are pro helping you get what’s best. Your bank is only ever in it to make a profit for themselves. There’s good money in mortgages and as the market is so competitive, these single bank advisers are taught to gain commitment from enquiries as soon as possible. This minimises the risk of you strolling into the bank next door and finding a better rate, or worse, going online. As such, they are actively encouraged and often targeted to credit score any customer willing to sit in their office – great if you don’t want to shop around and have clean credit – not great if you’re looking for poor credit remortgages or want the best deals you can get. Credit scoring with a lender that won’t lend to you is an unnecessary and damaging process, that can often leave you in a worse position because a further credit score has been added to your file. Get your credit report Before you do anything (even before you don’t go to your bank), you need to find out what you’re working with. To remortgage with bad credit history it is vital to understand which issues will effect you, and how to overcome them by finding a lender or repairing your credit file. Remember: It’s what’s on your file that’s important, so any late payments or other issues that haven’t been registered with a credit reference agency won’t usually matter. The only exceptions to this are when you are applying for a mortgage with your bank, where you may have exceeded on overdrafts or credit cards or had issues with other arrangements like direct debits bouncing etc, and your bank keeps a record of them on your account. These can be things they take into account with their mortgage credit scoring system, but aren’t usually required to report to credit reference agencies so only your bank would know about them. In these instances where your bank may give you a low or medium score because of issues on your account, other lenders outside of that banking group may give you a higher score – Something to keep in mind if you’re struggling to work out why you’ve been declined. Also, it’s often the case where we help customers who have never checked their file and fear the worst, often having buried their heads in the sand, to then go on to find out things aren’t as bad as they thought. Actually, its surprising for a lot of people what is available in terms of bad credit remortgages in the UK, and that there are lenders out there with flexible criteria that still have competitive rates. NOTE: We advise you sign up for all three of Experian, Check My File, and UK Credit Ratings. Each lender uses a different one and often times they show different information. It’ll take an extra 5 minutes but if you’ve had problems and have been declined with a lender before, then it’s very much worth it. You will NOT be penalised or scored any differently for searching your own credit file with these agencies – credit score is only affected by applications for credit. AND – ITS FREE! Sign up for the free trials below and order your reports now. Sign up for your free trials here… Get your credit rating Find a broker… Establish your Loan to value (LTV) Work out the property value and the amount of deposit/equity you’ll have after the new mortgage, to define the LTV. This figure is important because lenders base their criteria around the different LTVs, where those with higher LTVs must have better credit ratings than those with lower LTVs. Customers at 90 usually require good credit scores and clean (or very light) adverse credit, customers at 85 can qualify with lenders with mild adverse credit or severe but historical issues, and customers at 75 or less can often get mortgages with heavy adverse credit issues (depending on how recent they were). Establish affordability The broker must also check the loan you want is within the lenders limits. This is true of any mortgage, not just remortgages for bad credit. They tend to work out based on a multiple of your annual income – a rough guide is 4x. So for a borrower on £50k the max might be £200k, however, certain lenders can offer up to 5x and in special circumstances go above and beyond this. The figures used by lenders changes when it comes to deciding what is and isn’t classed as income – usually the basic salary (or net profit for sole traders/partnerships, or directors salary + dividends if ltd company), is used for the full value. Other income such as overtime, bonuses, other employed income, and state benefits, may either be taken 100, or as a lesser percentage, or not counted at all. Map your credit file to the most appropriate lender The broker will then research all the best remortgage deals for bad credit based on your loan amount and LTV, and work from the top down the list to the first lender that will be most likely to accept your application. Obviously if you have more severe credit history issues then a high street lender with the best deals is unlikely to approve you, so your rate and/or fees are likely to be higher. Don’t let that scare you however – you’d be surprised that the deals tend not to be astronomical and actually are still competitive. If there’s no one that will consider your application due to your credit history at that particular LTV, then be prepared to find more equity/deposit to lower the LTV into a bracket that lenders will consider (this may only be a few depending on your current situation, as lenders at 85 are much more flexible than at 90). The alternative is being patient enough to wait for your credit report to recover over time, as the older the issues are, the less impact they have. Click for a detailed article on How to recover your credit report as quickly as possible. TOP TIP: One of the best things you can do to increase your credit score is to obtain an adverse specific credit card, and spend and repay in full on a monthly basis – this helps to prove you can borrow and live within your means at the same time, and you’ll notice your score improve over the coming weeks and months. There are 2 options here, the first is a standard credit card specifically for those with bad credit, the second is for those who are declined for standard cards and need a guaranteed-acceptance card (usually if you have had more severe and more recent adverse credit). We’d recommend trying for the Aqua card first, then go for the Mastercard if declined. the Card by Aqua here

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