Invest money in 4 ways that did not exist 10 years ago

How can I invest my money? Where to invest my money safely? o How to invest my money to make a profit? They are some of the most common.

All of them are included under the same question that all investors ask themselves. How to choose the right option to invest my money?

Then we try to answer this question, for this we rely on the journalistic formula of the six W (for its terminology in English) to be able to know the “complete image to select your investment”. We also tell you 4 new ways to invest emerged in this last decade. So, if you are interested in investing Keep reading!


Invest my money What does it imply?

Invest my money What does it imply?

The first thing you should keep in mind is that any investment comes with a risk. The risk of the investment can be very high up to an almost minimal risk. But you have to be clear that zero risk does not exist in the investment.

Generally, risk is linked to profitability, the more risk greater profitability , and the lower the risk the lower the benefits. Today there is a wide variety of products so you can invest money according to your needs. In this sense, you must know the product and determine your objectives, since as the investment expert Warren Buffet declared: ” The risk comes from not knowing what you are doing “.


Who can invest money?

Who can invest money?

The multiple possibilities for investing money have been adapted to all investors . Traditionally, the investments were destined to the great fortunes, nor was it possible, nor did it make sense, to invest small amounts of money. However, technology and fintech have transformed this scenario.

We give you an example, imagine that you go to your usual bank, and ask them to invest € 50 in a fixed-term deposit, do you think they would treat you as crazy? However, the new financial landscape has multiplied the possibilities of investing money for non-specialized investors. In this sense, you have to know what kind of investor you are. We summarize some:

  • Investor with a conservative profile. Those investors who prefer to obtain lower profitability in exchange for reducing the risk as much as possible
  • Investors with moderate profile. They are those investors who seek an attractive return with a moderate risk.
  • Investors with an aggressive profile. These are experienced investors who seek to invest their money assuming a very high risk in exchange for very high returns.


When should I invest my money?

When should I invest my money?

There is no magic formula to determine an investment. Regarding the timing of the investment depends on two main factors. On the one hand, your needs and the money you have and on the other, the product you want to invest in .

There are possibilities to invest where you have to take into account the fluctuations of the market , as is the case of the stock market. In this type of investment it is important that you choose the specific moment to make your investment. For this we leave you a few brief tips:

  • Control the fear
  • Be patient
  • Be cautious
  • Dedicate time to the decision

Other possibilities, allow you to delete the temporary variable to invest your money, in this case what you should mainly keep in mind is that your investment should never exceed 40% of your savings.


Where to invest money?

Where to invest money?

As we have said, the investment possibilities have multiplied. Because of this, every day more people consider where and how to invest their money. The Internet has allowed investors to access investment products adapted to all investors and with the ease of completing procedures from home.

Online investment platforms are one of the possibilities with more followers in this last decade.


Why invest money?

Why invest money?

One of the questions asked by people who have never made an investment is: Why invest my money? In the past there was a deep-rooted thought that money was safe under the mattress, or in the bank paralyzed without giving any return. However, luckily, this thought is increasingly discarded by more people.

Some advantages that you can enjoy when investing your money are the following:

  • Your money works for you
  • Preserve your purchasing power
  • Give yourself a treat


How to invest my money?

How to invest my money?

Online platforms have simplified the operations of the investment. Most platforms have a simple operation and are accessible to all investors.

Generally, they are summarized in three simple steps:

  • Register as an investor
  • Validate the account by providing ID and current account generally
  • Transfer funds to the platform
  • Invest!

Once you have answered all these questions and you are clear about your objectives, it is normal that you ask yourself. What are the options to invest my money? We tell you where to invest money today:


4 ways to invest your money in a new way

4 ways to invest your money in a new way

Invest money in cryptocurrencies

The first cryptocurrency was created in 2009 and was denominated as bitcoin. Nowadays it is one of the best known types of cryptocurrencies, along with others such as Ripple or Litecoin.

A cryptocurrency is a virtual currency that is used as a digital means of exchange through a system of electronic transactions. Most cryptocurrencies use blockchain technology for the creation of new currencies.

Nowadays this market is not regulated and implies a high risk. The volatility that characterizes investments in cryptocurrencies, with falls of value that exceed 80%, implies that knowledge about this sector must be very high.

Invest money in binary options

Binary options is a new form of investment that emerged in 2008 focused on predicting the behavior of a financial asset. It is a simplified version of the stock market in which, based on the current price, the investor foresees whether the price will increase or, if on the contrary, it will be reduced for a predetermined period of time.

The financial knowledge of the investor does not have to be as exhaustive as for investors in the stock market. Although it seems similar to the investment in the stock market, binary operations are not traded on the stock market but are offered through specific platforms.

The risk of this type of investment is also high, since in the case of not correctly correcting the trend of the asset, the loss is total.

Invest money in Startups

Although the term Startup does not have a clear origin, it is estimated that the first startups arose around the 50s, however it has not been until the last decade when they have started to become popular.

Startups are characterized by innovation and new technologies, they are technological companies that are in the early years of their activity and seek to test a scalable and profitable business model. The main need of startups is financing for their growth. One of the alternatives with more boom in recent years has been investment in companies, specifically investing in startups.

Business Angels are those sponsors who invest in a startup, usually in exchange for a shareholding. Business Angels are usually experts in the business world, which in addition to providing liquidity help startups with their knowledge and personal contacts.

Invest money in Crowdfunding

Crowdfunding is a type of alternative financing between individuals. Under the umbrella of crowdfunding four different types are included. We tell you its characteristics below:

  • Crowdfunding of donation . The project is financed through private investors who contribute their money altruistically. Generally this type of crowdfunding is intended for social projects.
  • Crowdfunding of reward . In this type of alternative financing the patrons invest their money in exchange for a gift or product. It is usual for companies wishing to test a physical product to opt for this type of financing, since at the same time they get financing for their project, they can test their business.
  • Crowdequity . This type of crowdfunding is only aimed at companies. Investors lend their money to a company in exchange for receiving a shareholding. That is, the investor begins to be part of the company and has the right to collect dividends.
  • Crowdlending In the investment in crowdlending, private investors or companies lend their money to companies in exchange for a return for their money. In the case of crowdlending for companies, investors are not part of it and only maintain a contractual agreement with it.


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Apply for a loan: 5 basic requirements

Sometimes we have the idea that asking for a loan can mean a very long process.

However, performing the process is not what takes time, but the corroboration of the information that we are providing to the financial entity that will give us that credit.

Because you have to have everything ready when you need to apply for a loan, then we tell you what are the 4 basic requirements that a financial institution will ask for your credit process:

1.- Basic data

Image result for basic dataNo matter what type of credit you are planning to ask for, or how much will you ask for, the basic information is something you should have at hand when you decide to ask for one.

These are documents that you probably have, because they are asked for everything. The main documents that will ask you are:

  • Identification : It is neither more nor less than your personal identification, such as the voting credential or INE, passport, military service card, professional card or driver’s license.
  • Birth certificate : In some cases financial institutions will ask you to submit your birth certificate, so it is important to have it at your fingertips.
  • Proof of address : it is very likely that you are asked to submit a document that corroborates your address, such as receipts for light, telephone and water. They will ask you not to be older than 3 months old.

These documents are the most basic and infallible requirements that you must meet and present before the person in charge of processing your credit.

Have them at hand! Put them in a place where you can easily find them, otherwise you could turn around and delay your application process.

2.- Credit application

Image result for credit applicationIn addition to delivering your basic information, you will also have to complete a credit application. (Some financial entities have requests online, which makes the process easier).

This requirement is going to be given to the awarding company that you have decided to ask for the loan. Read and pay close attention to the document you are going to fill out; just like the contract you are going to sign.


Image result for contractIn the same way, the contract is provided by the financial organization that you attended.

Abusive! It is very important that you read carefully any document you are going to sign. Take your time to review it and ask if you have any doubts. Do not worry about re-questioning and pay special attention to:

  • Credit terms
  • Interests
  • Payment periods

Also, bring trout with the privacy notices, so you know the handling that will give you the personal information you are giving them and be sure they will not be misused.

Goodbye to grief! If something is not completely clear you have to ask, the executive in charge of carrying out your process must clear all your doubts so that you feel completely safe.

If the person in charge of your credit process does not help you, better go to another institution.

4.- Guarantees

Image result for guaranteesWhat a wave with the guarantees? This is one of the requirements that have the greatest variation, this is what the financial entity will ask for in exchange for the money that will be provided.

Everyone will ask you for this requirement, which will change depending on the institution you are going to and the type of credit you are looking for.

An example is the income receipt, which virtually everyone will ask you regardless of the place. You have to prove that you are a worker and that you are going to pay.

This will also help to define the amount that you are going to lend.

The statement of account and the payroll receipts are documents that ask you to verify your ability to pay.

Another type of guarantee can be a guarantee, which is a person who is willing to assume the responsibility of taking over the payments in case you do not.

This guarantee figure applies when it comes to very large credits, so you must be a person of absolute confidence.

In mortgage loans, for example, the property that you are acquiring with the credit is left as a guarantee of payment.

The same applies to car financing, where, in addition to requesting several guarantees, you will also have to leave the car as a guarantee.

As you see, the guarantees will depend on the type of credit you are looking for.

If you are going to venture out of such a loan, consider the person who is willing to help you with the requirement and be responsible for the payments so that it is not necessary for someone else to charge you with your responsibilities.

If necessary, ask your guarantee to accompany you so that the person in charge of carrying out your application process will clear your doubts to both of them and so your guarantee is informed about the responsibility that will assume.

5.- Credit history

5.- Credit history


This requirement can help you get better options when applying for your credit, that is, to give you more money, with lower interest rates.

Your credit history will be consulted by the institution you are approaching to request credit.

You will review your behavior in the credit bureau. So you should take into account the impact your financial behavior will have on recent years.

If you do not have late debts and liquids in the established times, you will have a good rating.

This gives you an advantage compared to those who do not carry a good management of their credits or those who have never requested one.

Keep a good track record, be constant and disciplined with your payments, learn to manage your personal finances and use the credits in your favor, they are very useful if you know how to take care of them.

The requirements to request a loan may vary depending on the granting company you are going to approach, as well as the type of credit you are looking for: mortgage, business, automotive or payroll.

Also, remember that all institutions have a contact form, either by phone, email or on their website.

This way you can corroborate the information and documents that ask you to request a credit and so do not walk like a soul in pain, spinning.

If you work in government, your institution may have an alliance with Credifiel.

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Licensed Insolvency Trustees: who are they and what do they do?

Trustees in bankruptcy, or those who help Canadians declare bankruptcy or file a consumer proposal, are also often referred to as Licensed Insolvency Trustees. On April 1 of this year, the Office of the Superintendent of Bankruptcy Canada made this change because trustees oversee the filing of many more consumer proposals than filing bankruptcies. As a result, the new title is more representative of what a trustee’s job entails. The word insolvency better represents the relief services available to Canadians through these trustees. Although the authorized word is intended to provide peace of mind to Canadians seeking to declare bankruptcy or file a consumer proposal, it also makes these trustees more identifiable.

What is a Licensed Insolvency Trustee ?

The Trustees Permitted in insolvency are regulated by the Office of the Superintendent of Bankruptcy Canada, a branch of the federal government. They are professionals who have studied for that, and who are trained to oversee the filing of consumer proposals and bankruptcy filings in Canada. A consumer proposal and a bankruptcy are two legal proceedings that must be filed by a licensed insolvency trustee. Trustees are agents of the court and are the only professionals who can help alleviate the debt and legally allowed to file one of these two procedures. In general, licensed insolvency trustees are either self-employed or are members of a business. While a trustee is not an employee of the federal government, he or she must still comply with the laws and regulations set out in the bankruptcy.

What credit relief options can a licensed insolvency trustee offer?

Insolvency Trustees perform the same types of debt relief proceedings under a new name. They work one-on-one with Canadians who need to relieve their debts, assess their financial situation and help them make informed decisions. All trustees offer consumer proposals and bankruptcies, but you will get a free first consultation to discuss your options.

Step1: Consultation

The first meeting you will have with your licensed insolvency trustee is called a consultation and it is free. Your trustee will assess your financial situation, have access to your debt repayment issues and determine what your next step should be.

Step 2: Choose your debt relief solution

A meeting with an insolvency trustee is not just about filing a consumer proposal or bankruptcy. Therefore, your trustee may suggest other less drastic options that you can respect for yourself. But if you and your trustee decide that filing a consumer proposal or bankruptcy is your best bet, here’s what to expect:



Your trustee will always make sure that declaring a bankruptcy is absolutely necessary before doing so. He will guide you through the process and ensure that your rights are respected.

Once your trustee declares your bankruptcy, the following events should take place:

  • Suspension of proceedings. Your unsecured creditors will no longer be able to contact you, seize your salary or sue you.
  • The creditors will be contacted. Your trustee will contact your creditors and provide them with a copy of all necessary documents
  • The outstanding tax returns will be declared. Your trustee will make the income tax returns you could have up to the date of your bankruptcy declaration.
  • You will have specific obligations to fulfill. You must provide your trustee with a monthly income tax return and attend regular credit counseling meetings. After 9 months, your bankruptcy should be released. This will remain visible on your credit report for a minimum of 6 years.

Consumer proposal

Depending on your financial situation and whether you have assets to keep or not, your trustee may recommend filing a consumer proposal instead of declaring bankruptcy. Your trustee will guide you through the process and confront your creditors on your behalf.

During the process, expect this:

  • Your trustee will create a proposal that will be tantalizing to your creditors
  • Once your proposal is submitted, they will have 60 days to accept it
  • Your interest charges will be frozen
  • Your creditors will not be able to contact you about any debt

Keep in mind that your creditors are not legally obliged to accept your proposal; That’s why it’s important to work with a trustee you trust.

Choosing the right trustee

As mentioned above, a licensed insolvency trustee is the only professional legally entitled to file a consumer proposal or declare bankruptcy. Since a trustee is a court officer and a consumer proposal and bankruptcy are both legal proceedings, you will be legally protected from your creditors. There are no other debt professionals who can help you lighten the debt and protect you from your creditors. Doing business with the right trustee is important, you will have to be honest and open about your financial situation and be able to discuss all your debt problems. You will probably spend a lot of time with your trustee and choosing someone with whom you get along well and who will work hard for you is definitely your priority.

What happens if my debt is sold to a collection agency?

Image result for collection agentWhen you take a loan or a line of credit, you make a promise to a lender to repay the full amount of the loan plus interest. Usually, having a predetermined date for payments, you are supposed to repay a certain amount each week or month, depending on your terms of agreement. Lenders should also inform you when and how they will contact you if your payments are late, either by phone or email. If you stop making payments, lenders or credit card companies will try to get a refund from you directly. Starting with an outstanding notice on your bank statement, the lender will later make phone calls, emails, and other forms of contact. The number of times the lender or credit card company will attempt to contact you depends heavily on the lender and how they handle overdue accounts.

After receiving multiple late payment notices and not having responded or paid, your creditors will take serious and more drastic action. Once an invoice is over 90 days late, lenders will not hesitate to add more pressure. At this point, if all the notices were done correctly, in a timely manner, and you ignored all the calls and warnings, there are two final ways to proceed for the creditors.


Image result for lawsuit

The lawsuit involves taking you, the borrower, to court and suing you for not having paid. With notice and sufficient time to prepare, you will receive an official notice by mail or in person, including the date of the court and all other details of your hearing. It’s important not to miss this court date, it’s what your creditors want it to happen. If you miss the procedures, the collection agency gets a default judgment and can start collecting the unpaid debt. The legal action can bring the money directly to your paycheck or have your property seized. So, do not ignore your debts because they will not go away. Be aware that the legal option is a very lengthy process, involving hours of paperwork, waiting time and notices, so it’s not ideal for creditors. However, if you refuse to pay after months of notifications, they will take legal action against you.

Using a collection agency

In order to minimize their losses, your creditor will try to collect as much as possible from you. Sending outstanding accounts to a company that focuses and specializes in collecting unpaid accounts may be the best way to do this. When your debt is sold to a collection agency, the responsibility for collecting your debt is transferred from the lender to a large debt collection company. A collection agency is a company that focuses on collecting debts owed by individuals or companies. When lenders or credit card companies are unable to collect the money you owe them, they often hire agents from these collection agencies to sue those whose payments are past due or their accounts are in default. These agents are much more aggressive and persistent than lenders or credit card companies, so it’s important to know your rights. With more phone calls and notices, the collection agency will be determined to collect your money.

How do collection agencies make money?

 How do collection agencies make money?

Collection companies can either buy an account directly that is in default or they can be hired by a credit company to collect a debt. In any case, collection agencies do not offer free services. When a creditor needs to hire such an agency to handle the debt of an overdue account, he agrees on all the fees with the agency. Collection agencies can also buy overdue accounts cheaply and then try to extract a larger amount from the borrower. The more the agency gets money, the more it wins.

How to deal with collection agencies

If a debt collector is following you closely, try to pay the full amount you owe to avoid further communication. If you are unable to pay the full amount, get in touch with the agent and try to explain your situation. Ask if you can make a new agreement with the agency and obtain it in writing for proof. In addition, never send cash because you want a receipt for each transaction with the agency.

Know your rights

Banks and lending institutions anticipate that some of their loans will not be recoverable. However, before they erase your account, they would like to recover as much as possible. To do this, they sue you or resort to collection agencies. The use of collection agencies is a last resort but can help creditors collect as much money from you as possible. In addition, it is important to know your rights when it comes to collection agencies. If your creditor sold your debt to a collection agency, you have the right to know it and should be notified in writing. It is very unusual for an overdue credit account to be sold to more than one collection agency. However, it is not impossible. Your account can start with a collection agency and then be transferred to another. So, before making a payment, it is important to always ask who you are talking to and whether they have proof that they are allowed to collect from you.


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Types of credit cards

We’ll tell you about the different types of credit cards that exist, along with their main characteristics


With the Después credit card you can pay for your purchases over time and make use of over 6,000 ATMsRequest information

When speaking of different types of bank cards, there may be confusion about what is and what isn’t a credit card. In short, a credit card is any card that enables you to use credit. This means that if you own one of these types of cards, you can make payments or get money–up to a certain limit–without needing to have the funds in your bank account at that exact time. That is the main difference between credit and debit cards. As such, you can make purchases and get services on the spot with the benefit of deferring payment.

There are different types of credit cards based on repayment methods, card issuers, and different benefits and features. Check out which cards are the most common ones on the market.

Credit card by payment


Credit card by payment

A credit card’s main feature is payment facilitation, making money available in advance so the customer can defer repayment. There are two different ways of repaying the credit used:

  • Credit card: the customer repays the money the following month and does not pay any kind of interest on the available credit but does pay interest on cash withdrawals. Typically, repayment must take place within the first 5 days of the following month. There is also the option of deferring payment (with interest).
  • Revolving or partial-payment card: with this type of credit card, payment is deferred for all purchases (with interest). The customer can choose how to repay the funds: as a percentage of the balance or by paying a fixed monthly fee. In both cases, deferment interest is included.

The Despúes card is BBVA’s credit card: pay for your purchases over time and make use of more than 6,000 ATMs: more information

Credit card by card issuer

Even though all credit cards are linked to a bank, not all are issued by banks.

  • Universal credit cards: cards issued by banks themselves which operate under the VISA or Mastercard brand and can be used in all establishments that support the brand.
  • Personal credit cards: cards issued by a financial institution that can only be used in a limited network of establishments.
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Financing, number of animals received and overload of work are the great challenges of the protectors in Spain


At the end of last week, a new study was published on companion animals in Spain that aims to be long-haul. Its creator is the store chain TiendaAnimal and thus explain the effort of carrying it out:

Given the social role that pets have adopted today in Spain and before the lack of data referring to how Spaniards relate to our pets, the need arose to organize an investigation about it whose result has been collected in what has been called Annual Study on Pets in Spain , which will be held annually and now presents its first edition.

The initiative is appreciated. It is true that there are not too many reports made with a reliable methodology and sampling that reflect the different aspects related to coexistence with animals and animal protection.

In fact, in that last section we only have the veteran study carried out annually with Affinity Foundation professionalism.

He said that the initiative is appreciated, I hope that it will be maintained year after year and that it will gain in richness and depth , because it is a pity that the sampling is small, since the report is well presented.

The data has been obtained through a questionnaire sent to Tiendanimal contacts (this is already a statistical bias, random calls would be a more reliable representation). Have participated:
• Individuals (2,290 answers obtained)
• Protectors (27 responses obtained)
• Professionals (25 answers obtained)

In the section on responses from individuals , we talk about hygiene treatments, food, number of walks, if you put clothes, budget … It is curious that 85% of the individuals who answered all these questions are women .

Of all this extensive section I am left with the data of how the animals came to the home: those adopted and picked up the street seem to be the majority. But there is a high number of purchases from individuals, stores, gifts or to raise with those who already had, which are open doors to increase the existing problems of abandonment and that there are thousands of animals without future kennels and shelters .

Change the presentation of results so that the percentages are clean, although it is necessary to facilitate several tables, I think it would help to better reflect the origin of our animals.

But I think the section of protectors seems more relevant. They have answered 27 protective entities and that yes it seems to me more representative, although I miss knowing which ones.

Financing, number of animals received, overload of work and adaptation of the facilities are, in that order and very even, the main problems (perhaps we should call challenges) of the Spanish protection.

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Numbers of the monthly maintenance of each animal are also provided.

There will be who you think it is, but keep in mind that in addition to food, any animal that enters a protective must be passed by the veterinarian to check, vaccinate, deworming, often chipar and sterilize. Sometimes also attend to your injuries or illnesses. And maintaining the facilities also has an expense that the truth is that I do not know if it has also been passed on.

Where does that money come from? Almost always of the contributions of the members of the associations of the protectors and of the partners and private donations.

And although it should be a responsibility of the public administrations, there are hardly any funds left from there. Every time I have more clear that the protectors, which are private entities, are solving a ballot that would correspond to everyone

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Regarding whether more dogs or cats are abandoned, there is not much consensus, although it seems to point to dogs. For this answer it would be good to know which entities have answered, because my impression is that the abandonments of cats are much more invisible.

That erroneous belief that they handle themselves is partly to blame for many domestic cats being seen on the street. And an abandoned dog calls much more attention than a cat in the same situation.

In what there is a clear majority, which coincides with what I have spoken with protectors over the past few years, is that the adoption of dogs is higher than that of cats.

I propose from here to the authors of the study to ask in the future about adoptions of adult animals and puppies separately, because the adoption of adult cats is very difficult. There are hardly any people willing to open their home to a cat that is no longer a puppy.

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The Generalitat completes a loan of 400 million Santander

The Departament d’Economia keeps several financing lines open

Financing Lines

 The Generalitat is finalizing the obtaining of a loan with four-year maturity with Santander for an amount of 400 million euros, according to financial sources. The operation gives oxygen to the coffers of the Catalan Administration at a time when international investors are still reluctant to lend money to a Spanish autonomous community . The Departament d’ Economia directed by Andreu Mas-Colell keeps several lines open to attract resources.

The fact that the loan is from Santander is especially noteworthy given that the first Spanish bank, chaired by Emilio Botín, had not participated in any of the two major financing operations of the Generalitat last year. Santander was not part of the syndicated loan of 1,000 million that was signed by the tripartite government in July and the bank did not distribute bonds of the Generalitat to individuals in November.

The 400 million loan from Santander would be added to another 500 million of a loan with Catalunya Caixa that the Generalitat signed last week. In that case, the loan was short-term, that is, it must be repaid within a year. Therefore the one signed with Santander has more depth because when it expires in four years from now, the situation of the Generalitat treasury may have improved.

In addition to the 900 million in loans, the Generalitat has reached an agreement with La Caixa, BBVA and Santander to refinance loans for a total of 1,500 million. Once that pact becomes effective, Economy will have obtained resources by 2,400 million.

Catalonia needs to borrow more than 11,600 million this year



 The global financing needs for this year are 11,662 million. With this amount, the Government must face the debt maturities foreseen for 2011 as well as assume the deficit (difference between income and expenses) estimated for the current year.

Santander’s credit would come after the survey conducted by several financial institutions – on behalf of the Generalitat – to place debt among institutional investors would not give good results. Several entities tried to place a public debt issue of 300 million euros – expandable to 500 million – at an interest rate of 5.5% and for a period of two years. The Generalitat also seeks pacts with other entities to obtain resources of 2,000 million.

The other line that keeps the Generalitat open is to return to make a bond issue to individuals. The Departament d’Economia would like to make a private issue similar to that of the month of November but for a longer period: 18 or 24 months instead of 12. The rest of the conditions would be similar: an interest rate of 4.75% and a commission (insurance and placement) of 3%, same as the previous year.

All the strategy of new indebtedness of the Generalitat must have the express authorization of the central Government. To date, the Council of Ministers has authorized the Generalitat to borrow in the amount of 1,866 million euros.

The Government trusts that the situation of the international financial markets will relax in the coming weeks. Yesterday the Spanish risk premium closed at 192 points – difference between the Spanish and German bonds – and the Treasury managed to place debt at an interest rate of less than 1%. As soon as the situation of Spain’s sovereign debt is relaxed and unraveled, it will be the moment in which this same market will gradually open up for other issuers such as the autonomous communities and especially the Generalitat.

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Victoria, the first British queen to document her life in photos

Victoria, the first British queen to document her life in photos

Queen Victoria photographed in a modest shawl with four of her children in February 1854 Roger Fenton – Royal Collection Trust / © Her Majesty Queen Elizabeth II 2013

The first time Victoria of the United Kingdom (1819-1901) saw herself in a photograph came out with her eyes closed . After seeing her husband (Alberto de Sajonia-Coburg-Gotha) portrayed on several occasions, he had overcome his reluctance to pose before the camera and when it was decided (in 1852, at 33) the displeasure was huge. Described in the queen’s diary as “horrifying”, the image was so unbearable that she scratched her face from the daguerreotype and only her children remained around the headless mother figure.

The photograph had become popular when only the monarch was 20 years old and had two on the throne, at the beginning of 1839. Both she and the king regent showed interest in the invention from the beginning increasing the popularity of the photos and in 1842 they started a collection of family images and taken by the first photographers. Victoria was the first British monarch to document her life photographically and those images now represent the technical progress of an era and the evolution in the relationship of the royal family with the camera.

A Royal Passion: Queen Victoria and Photography ( a real passion: Queen Victoria and photography ) -the Getty Museum in Los Angeles (USA) until June 8 – presents the long experience that the British monarch had with the then new medium. With representative loans from the Royal Collection of Isabel II of England and selected pieces from the museum’s collection, the exhibition presents little-seen daguerreotypes, private portraits of the royal family and a selection of copies of the first masters of photography among those who are Julia Margaret Cameron, William Henry Fox Talbot and Roger Fenton.

Evenings composing family albums

William Constable (1783-1861), of humble origin and much in demand for knowing how to make the model feel comfortable, was the author of the first real portrait when he immortalized Alberto. The sample includes this image in addition to the failed family photo that so distressed the queen – taken by William Edward Kilburn – and another for which he posed two days later also with Kilburn behind the camera, this time betting on a profile .

He commissioned a special bracelet of scapulars with portraits of the grandchildren. The kings collected, organized and framed photos of them and their nine children. Many afternoons they worked together to compose albums of images of their trips and of posadas and even Victoria ordered to make years later a special bracelet (also exhibited in the sample) with scapulars to take the portraits of their grandchildren.

A connection with the town

As the environment evolved, so did the pose. From the tension of the first sessions it happened to be shown with the security of a sovereign. It happened quickly: in an amazing 1854 photo taken by Roger Fenton she poses with four of her children wrapped in a plaid shawl that has little luxury, exhibiting a homely and intimate facet but still transmitting its power.

In a surprising photo, she poses wrapped in a Scottish shawl that has little luxury. As a connection between the people and the monarchy, the public photos served the monarch to strengthen her popularity and, after Alberto died in 1861, to make up for her absence from life. public for a deep personal grieving that kept the rest of his life. The portraits of the widow reflected the mourning of Victoria and later the image of a powerful queen who celebrated her diamond jubilee in 1897.

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Why is occupational disability insurance so important to students?

Especially in the fall, the wrong parking for motorists can be expensive. Not only falling branches are a danger, even chestnuts are currently causing damage on many car roofs. Already in the last year many cars were affected by one of the many autumn storms. How is the car secured in such cases?

Parking under trees especially in the autumn dangerous

Parking under trees especially in the autumn dangerous

There are probably nothing more annoying for motorists in the fall than to go to the car in the morning and find countless dents on the car roof . A look up reveals the culprit: chestnuts . The evening before, it was a pleasure to quickly find a free parking space. But this joy passes quickly. Instead, drivers ask: who pays me the damage caused by the chestnuts? Can the owner of the chestnut tree – for example the landowner or the city – be blamed for the dents?

Judgments confirm: Car drivers responsible for chestnut damage

Court rulings such as that of the Higher Regional Court of Hamm (Az. 9 U 219/08) quickly take away any hope for victims. Unlike rotten branches that have crashed into the vehicle, the owners of the trees can not be held responsible for the fact that falling chestnuts cause damage to the car. The judges call this danger “general life risk” . Likewise, municipalities do not have to put up any warning signs to point out the danger, according to a ruling by the Aachen Regional Court (Ref. 4 O 350/02). Finally, vehicle owners can tell if a chestnut, oak or walnut tree bears many fruits. Damages by such are therefore self-inflicted .


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Damage caused by chestnuts on the car: Does the car insurance help?

The motor insurance usually does not compensate for damage caused by chestnuts . The comprehensive insurance only pays if it is an unforeseen and sudden event, informs the Gesamtverband der Deutschen Versicherungswirtschaft. Insured persons can only rely on the partial comprehensive insurance if the chestnuts have rained down on the car due to a storm . It must prevail at least wind force 8, so that the insurance einspringt.

Tip: The change of car insurance is now possible. You want to improve the protection of your car insurance? Find a suitable offer with the free rate calculator. As a rule, you can cancel your old contract until 30.11. cancel and switch to the new insurer.

Falling branches and flooding: How is the car insured against storm damage?

In general, insured persons of a car insurance can turn to their partial comprehensive insurance in case of storm or storm damages, thus also for example, if the car was damaged by flood. On the full insurance is in case of damage caused by storm and hurricane, it sometimes pays even at lower wind speeds. However, those who only have liability insurance for their car will be left with the costs . The only exception: If the damage was caused by falling branches or roof tiles, for example, it is possible to claim damages from the landlord or homeowner. If the latter does not fulfill the so-called traffic safety obligation , he must be liable for the damage.

However, proving that, for example, the bricks on the roof before the storm were loose or trees rotten is not always easy and may involve additional costs, such as for experts and lawyers.

Here you can find tips and more information about car insurance.
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“Credit is a human right”

Banking and ethics seem two very contradictory terms to go together. However, credit union projects have emerged whose interests can not be more contrary to those of traditional banks.

For some time now, people have spoken to me about Fiare as an ethical and cooperative bank that cares about people. According to his project, Fiare are two things: A network of people and organizations that want to create alternatives within the financial market to build an economy with other values, at the service of a more just society. And it is also a company that operates in Spain as an agent of Banca Popolare Etica, an Italian credit cooperative.

Photograph of the Fiare website

As a bank, it offers all kinds of products and services, without losing its characteristics of non-profit , cooperative democracy and construction from the bottom up. All this without losing its status as a supervised entity, attached to a Deposit Guarantee Fund in the European Union.

The most important thing for them is their social base, divided into different territorial associations that expand the ethical banking project and organize the activities of those who have participation in the social capital.

As of October 30, 2013, the capital stock raised amounted to 4,461,389 euros, disbursed by 4,535 individuals and legal entities. Fiare f inancia projects that have a positive social impact and grants two types of loans: personal and mortgage.

They consider credit as a human right and its members make decisions about the destination of their savings, about their credit applications or their investments with responsibility, based on reliable and sufficient information.


  1. >

    “They consider credit as a human right and its members make decisions about the destination of their savings, about their credit applications or their investments with responsibility, based on reliable and sufficient information.”

    That is supposed to be a bank. What happens is that people fail and are wrong or even have selfish attitudes. That phrase sounds great and I hope this project goes ahead, because it seems interesting, but that phrase is just an idea. The key is: how to make “decisions about the destination of your savings, about your credit applications or your investments with responsibility, based on reliable and sufficient information”. Especially the final part of the information. I think it’s a toast to the sun.

    13 December 2013 | 09:19

  2. >

    It seems to me a great idea, but let’s not forget that the savings banks were created with the same objective and that it was the greed of the managers (handpicked by the political parties) that made them the predators they are. Trying to earn more and more money at the expense of the client.

    We also have the healthy consistency of allowing these tiparracos get away with it and remain free (a shame the guillotines catching dust) when we are the rest of contributors who provide more and more capital so that these boxes do not sink.

    13 December 2013 | 09:23

  3. >

    I have been searching for alternative banking models for a while to get out of Bankia and leave them with their scams, their scams and their lack of ethics and professionalism.
    I think Fiare is a better model than what we currently have, although I think I should take it a step further.
    Initially, although it will soon be able to start providing the services that any consumer requires from a financial institution (direct debit, payroll, cards, etc.), their business is directed, if I am not mistaken, towards cooperatives and companies that have a positive social impact ( perform an ethical evaluation, in addition to the economic one).
    And above all, any saver can see where his money has gone and who has received credits (and for what).
    But, I think that the interests that it charges (although they are defined as “non-profit”) seem high to me, although they are lower than those of traditional mass destruction banks.
    Anyway, it seems a very good alternative to have my money and as soon as it is fully operational I will consider it as a good alternative.

    13 December 2013 | 10:17

  4. >

    Man @Victor should be like that, right?
    Let’s first see ethics and good repute. If I treat you honestly, I give you the necessary information for your efforts and complement your decisions with my knowledge of the system. It is normal for you as a client to come back and bring more clients.

    But since banks are a monopoly (is it possible to live without them?) It is easier for them to corrupt themselves.

    For this there are laws.
    That lias and cheats your customers: Jail.
    That the deception is so huge that the entire country has to cover your scams: Punishment for BETRAYAL to the state (life imprisonment or capital punishment).

    And only with those two laws (and just judges) would it be enough for this not to happen again.

    13 December 2013 | 11:10

  5. >

    A round of applause for Brisha, you can say shouting but no more clear and more accurate, just clarify that in the savings banks let go politicians …

    13 December 2013 | 11:18

  6. >

    Amen Brisha, you said it, with a guillotine penalty catching dust and with how easy it would be, to solve certain asuntejos quickly and effectively. Pim pam pigs outside.
    If there were more people thinking that way, they would dare to demonstrate and mobilize seriously, another rooster would sing to us.
    Let me know that I wear the first one and I have a list of susceptibles to go through the scaffold. I have plenty of names and we were going to lack time, among those who are living at my expense and yours, those who are going on paid vacations (Parot lottery) and those who would not enter because they would first walk through the slaughterhouse , we were going to be like God and the Holy Virgin. Amen again.

    13 December 2013 | 15:26

  7. >

    The Government will approve this Friday (as published this Monday Cinco Días and Voz Pópuli) an endorsement that will guarantee Spanish financial institutions the collection of the so-called deferred tax assets (DTA, for its acronym in English). It is another rescue – another one from the State to the bank; in this case for an amount of 30,000 million euros, which only time will tell whether the taxpayer has to pay or not.

    Deferred tax assets in the main financial entities

    What are DTAs? As explained by the International Monetary Fund (IMF) itself in its last review report to the Spanish financial system, it is a type of “low quality” asset that banks have written on their balance sheet after having suffered losses. It is smooth and basically a legal tool that has allowed them to reduce the tax burden for the future, but for that they have to achieve benefits in that horizon. In total, Spanish financial institutions accumulate more than 70,000 million DTA in their balance sheets, for which they would need between 100,000 and 130,000 million profits in the coming years (it does not seem easy).

    The problem is that the old banking solvency regulation (known as Basel II), allowed these DTAs to be counted within the so-called regulatory capital, that is, the one that is the minimum required for an entity to be considered viable. But this is ending: The new and imminent banking regulation (Basel III) will not allow these deferred tax assets to be targeted as first quality capital (the one that is more liquid, the one that first absorbs the losses) unless we can guarantee that are effectively liquid assets and executable when necessary. This is where the public ransom comes into play.

    The Government, after massive pressure from the banking lobby, has given way and has chosen to guarantee the collection of these fiscal assets. The guaranteed total will amount to 30,000 million (I was short, published 25,000 million a few weeks ago) and will involve a disguised recapitalization of some 50,000 million for financial institutions that, in theory, were healthy. And as the IMF report shows, for banks like Sabadell and Bankia the DTAs represent more than 60% of their principal capital (the solvency of these entities depended mostly on the generation of future and unearned tax rights!) , and between 15% and 30% for the other three large ones: Santander, Caixabank and BBVA.

    That is to say, that without this rescue through an explicit endorsement of the deferred tax assets, the Spanish banking system would be, as a whole, in a situation of insolvency practice. It is easy to understand why the pressure exerted by the entities on the Government in recent times.

    Follow @nicolasmsarries

    13 December 2013 | 22:04

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