Givenchy – Very Irrésistible Poetry of a Winter Fragrance 2011

Givenchy – Very Irrésistible Poetry of a Winter Fragrance 2011
Givenchy - Very Irrésistible Poetry of a Winter Fragrance 2011
Givenchy – Very Irrésistible Poetry of a Winter Fragrance 2011

Very Irrésistible Givenchy Poésie d’un Parfum d’Hiver 2011 is a reinterpretation of Very Irrésistible Givenchy created in 2003.

Givenchy - Very Irrésistible Poetry of a Winter Perfume 2011 - Pub
Givenchy – Very Irrésistible Poetry of a Winter Perfume 2011 – Pub

After the 2010 version composed of the scent of winter wood. In 2011, Givenchy is emphasizing gourmet notes (Candied Orange, Cinnamon) with a gingerbread accord.

This new limited edition fragrance is a gourmet aromatic floral. At the top, we find notes of Star Anise, in the heart of Candied Orange and Rose, and in the background of Cinnamon and Gingerbread.

Enter the enchanting world of Christmas markets …

Scents of delicacies (cinnamon, gingerbread, candied orange …)

A simply magical and magical moment!

A bottle with golden-amber tones, as if dressed in gold spangles. Adorned with a headdress for a precious finish.

Givenchy - Very Irrésistible Poetry of a Winter Perfume 2011 - Case
Givenchy – Very Irrésistible Poetry of a Winter Perfume 2011 – Case

This perfume is launched in duo with Ange ou Démon le Secret Poésie d’un Parfum d’Hiver 2011 .

Also discover Givenchy perfumes for Men .

Woman Perfume

Olfactory Family: Floral – Aromatic – Gourmand

Head Notes: Star Anise.

Heart Notes: Candied Orange, Rose.

Base Notes: Cinnamon, Gingerbread.

Find it at the best price at our perfume partner: Very Irrésitible Givenchy Poésie d’un Parfum d’Hiver – Fragrenza Perfumes as well as all Givenchy brand products .

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  1. Get together with a mortgage professional with your paystubs/W-2s/bankstatements.

    There are currently only 3 ways to buy a home with NO $ down.

    1) VA for active/former servicemen/women in good standing
    2) USDA rural housing loan for outlying areas (nonmetro areas)
    3) FHA with 3% down… write the contract so that the seller pays your closing costs and down payment assistance 6%

    You would put up $ 500 in earnest $ , $ 350 for appraisal, $ 25 for credit, $ 250 property inspection.

    Your mortgage payment will be maxed out depending on your car loans, credit cards, etc. Example: yearly salary $ 80K / 12 months = $ 6670/mo. Your total bills (on credit) + your mortgage payment (PITI+MI) must not be more than ~$ 3000/month. The more bills, the lower the mortgage payment (lower the $ of the house). But your $ down (if any) and credit history (maxed out credit cards?) will affect how all that goes.

    From this info I prepare an LSR (loan status report). This is a form you will NEED to get an offer accepted with a home seller.

    Your realtor will ask you for this… and if they are a pro, they will ask to see your AU Findings (automated underwriting). These “findings” assure your seller that you CAN CLOSE THE LOAN necessary to buy their house.

    Home prices in certain areas and price points have stabilized (meaning… prices have bottomed out). So, gather up your income info and get going!

    Best of luck!

  2. usually a realtor will ask you to fill out some credit information documents and submit them to the bank as you start looking for homes –
    without doing a “full” credit check on you – the bank will pre-approve you to a specific limit – in effect this really doesn’t mean much but it gives you an idea of what your limit is on purchase price of a house – so you don’t go looking at houses that are worth $ 700,000 when you will only get money to cover one worth $ 500,000

    now – you’ve narrowed the scope of your house search down
    and you can focus on looking for the right house in your price range –
    once you find the house that you want to buy – make an offer –
    if the buyer accepts your offer – make sure that the contract gets written with the following “contingencies”

    1- contingent on YOU obtaining financing
    2- contingent on the house passing an inspection by an inspector of your choosing –
    3- that – you have the choice of voiding the contract if there are repairs required – OR having the homeowner do the repairs prior to closing – OR the homeowner will provide cash to you at closing equal to value of the repairs –

    in effect what this last statement is saying – if you offer $ 400,000 for the house – and the inspector indicates the house needs a new roof – you get an estimate for the new roof
    and it is $ 20,000 – at closing you still buy the house for $ 400,000 but the seller re-imburses you $ 20,000 so you can have the roof put on

    this is a home buyers market – don’t be afraid to go in with a “lowball” offer – and negotiate for extras – such as the buyer pays some or all of your closing costs and or attorneys fees,
    and or a new survey which may be required by the bank

  3. Prepare your financial paperwork and provide copies to your lender. They do a full credit check through underwriting. If you qualify to their rules of the day, you are provided with a letter that states to any home seller that you are qualified to purchase. This show commitment and qualification to the seller. Keep in mind, if you play this to the edge and the terms of your loan changes at any time during the transaction, you could be faced with “not qualifying any longer”. And oh yes, it creates hell if you are within the time frame of purges agreement and closing. There isn’t anything you can really do except don’t go to the max on the loan. Hope you’ve asked about assistance monies!

    Thanks for being in the market!

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