A person may suffer from post vacation blues after returning home or to a normal routine from a long vacation, especially if it was a pleasurable one. The longer a trip lasts, the more intense the post vacation blues may be. This is because after the person returns home, they realize how boring and unsatisfactory their normal lifestyle routine is when compared to the activities they did while on their holiday/vacation. It is easier to overcome/adjust to a normal routine the shorter the trip was. Post vacation blues may result in tiredness, loss of appetite, strong feelings of nostalgia, and in some cases, depression. Jet lag may intensify the post vacation blues.
In general, post vacation blues will wear off over time. It usually takes a few days, but in extreme cases it can last for several weeks for the mood to fully wear off. Faster ways of treating post vacation blues is for the person to share their experiences with family and friends, or to look at photos and souvenirs. Some may find comfort in re-living their holiday/vacation experiences, for example, if one really enjoyed jet-skiing during their holiday, they may purchase their very own jet-ski for personal use. Another well known method of curing post vacation blues is to plan or book the next vacation, this offers a distraction and also provides the person something to look forward to.
A study issued by the UN Economic Commission for Europe compared German, US, and Danish mortgage systems. The German Bausparkassen have reported nominal interest rates of approximately 6 per cent per annum in the last 40 years (as of 2004). In addition, they charge administration and service fees (about 1.5 per cent of the loan amount). However, in the United States, the average interest rates for fixed-rate mortgages in the housing market started in the tens and twenties in the 1980s and have (as of 2004) reached about 6 per cent per annum.
However, gross borrowing costs are substantially higher than the nominal interest rate and amounted for the last 30 years to 10.46 per cent. In Denmark, similar to the United States mortgage market, interest rates have fallen to 6 per cent per annum. A risk and administration fee amounts to 0.5 per cent of the outstanding debt. In addition, an acquisition fee is charged which amounts to one per cent of the principal.