Debt consolidation companies

The shocking headline “Montoro is studying the perpetuity of the autonomy debt”. It seems that Cristóbal plans to extend the maturity of the debts of the autonomies with the State, even going so far that this term is perpetual, that is, that it is not. are there any good debt consolidation companies

If all the debt were converted into perpetual, which looks like this in a future not very future, the autonomies, in their liabilities, will put the debt they have with the State, which ranges from the 2.996 million euros that Cantabria must the 76,831 of Catalonia. With a total sum of 284,407 million.

And in the Assets, the same amount, with a name: “Perpetuation of the debt with the State”. They will put it like that because if they put “Forgiveness of the debt by the creditor” would be ugly.

The explanation that is given to me is picturesque. “Technically, it would not imply a formal removal of the debt, although it is true that, in practice, the State would not charge it.” And I add, so there are any doubts: NEVER.

The game of autonomies is very interesting. That I gave you autonomy. That you believed. That you spent on the necessary and the unnecessary. Nobody wanted to lend you money. I lent it to you. As I know you will NEVER give it back to me, I convert it into perpetual debt. What good, because I will continue spending.

To the “what good, because I will continue spending,” the Americans call “moral hazard” and the Spaniards, “moral hazard”, which is what happens when, once converted my debt into debt to pay NEVER, I begin to spend again, because, if I pass, one day some finance minister will turn my debt perpetually.

And so on, until someone asks: do we still play autonomies or do we definitely load them, recognizing that they were a good invention in 1978, but that they have spent 40 years and have become 17 little entities that want to assert their rights, when, in confidence, they have NONE?

Naturally, when someone tells you not to worry, he will NEVER pay you, you also tell him that you will control how the money is spent. And again, mess! Mess for not speaking clearly, not to say that we are going to review the state model, not to say that Spain is too small to invent so many little nations, too, with so many presidents, governments, parliaments, courts of justice, ombudsmen, etc. In addition, some of them do not want to be Spanish, and the money that Spain has given to Spain is spent. Which, if it were not a tragedy, would be a real comedy.

Mariano, now you are not in a position to change the state model. But point somewhere, as soon as you calm down a bit, attacking your enemies and not your friends, radically eliminating the crap of your party, throwing into the street those who made it and those who consumed it, after have exhausted all the arguments -fake- in their favor and have recognized that yes, they knew everything, because one who is in charge of something if they do not know what happens in that something is foolish lost in the best of cases and a scoundrel in the most probable …, points out, I say again, that we must study the state model and change it.

I know that some – many – when they talk about re-centralization they open their flesh and their faces change, but children, what are we going to do? It has always been hard to face the truth. And if the truth touches the pocket of enough, harder.

And now, we even have an anthem, with lyrics !!

PS 1

1. I can not guarantee that I am in the truth, but frequently, for example, today, they ask me if there are too many politicians.

2. And, seeing the Spanish panorama and seeing so many people living in politics while many of them are dedicated, with a very serious face, to things that in normal life are called a waste of time, I think again that there are people here.

3. In order not to leave half-finished work, to finish the topic of the spokespersons, which is in the “Tontadicas” folder, accompanying the members of the ineffable Bibiana.

PS 2

1. By the way, I have the impression that Catalonia is better managed now than when it “governed” this nice guy who lives in Brussels and to whom I still have the impression that his people do not know what to do with him.

2. And, in addition, I believe that a situation that I have seen other times is repeated. When one of the members of a band dies, everyone blames everything.

3. Well – I still have impressions – it seems to me that these waiters, in front of a court, begin to say that they did not want to, but that Carles insisted. In other words, they treat him like a dead person. Politician, but deceased

PS 3

1. I said that his people do not know what to do with him. Those not yours, they know it. I know it. I said it in the title of an article that I wrote somewhere: stay in Brussels, live well there!

2. I do not know how much it will cost, but it seems that the ANC has funds. And do not worry, if by dint of paying bail they run out, they could do a crowdfunding campaign.

3. Many would participate.

4. Very comfortable.

5. I have the impression.

How to take advantage of loyalty cards (loyalty cards: why use them)

The loyalty cards are a reward of the companies to the fidelity of the clients. They are that recognition to the effort to stay true to a brand or product.

It is very interesting to see a customer who is happy with the service or product he received. When a company gives you a loyalty card, it means that both you and the company are doing something right.

But not everything remains in the delivery of the cards: take advantage of them can be very beneficial for your economy and give you greater chances of obtaining other major benefits in the future.

The reward in the cupboard

Typical: you go to your favorite store and make use of a credit to pay for that refrigerator that you needed so much. As a good payer you are, you settle it on time and without paying interest that complicates your finances.

Once you give your last payment, you receive a notification to announce that you are the winner of a loyalty card to stay in line with your payments throughout the year the credit lasted.

Surely you are surprised by this news, but if you do a recount of the occasions when you have visited the same store over the last few years, everything makes sense. You became a loyal customer of that store and the loyalty card is a way to recognize your loyalty.

When they give you your loyalty card and once you’re at home, you see it, analyze it and take it to the cupboard, to the little corner where all the Mexican families put those important papers that we will never forget … but they stay there for years.

And you never know about your card again. True or false?

Well, let us tell you that these loyalty rewards can give you more benefits than you think.

Get out of the pothole with your loyalty card

Those loyalty cards that many people accumulate and never occupy are much more than an adornment to your excellent credit history.

Imagine that you have an emergency that is not included in your budget. And like anyone who knows how to foresee these things, you know that you have a certain amount of money that can support you in those difficult times.

That card of loyalty that many people forget in the most recondite drawer of their house maybe is an opportunity to get out of that economic trouble in which they can be found.

Then you have an unexpected commitment or something to fix at the last minute in your home that can not wait any longer. You know you need extra money but you do not want to resort to a large loan because you only need a certain amount.

And what to say about the procedures to carry it out: weeks of confirmation to solve this need that must be resolved immediately.

Fortunately, many stores and banking institutions can offer their services through loyalty cards, which in addition to rewarding the client for their great effort and commitment to payment, work as allies when you need extra help for your economy.

You would like someone to put in your shoes to get that extra money because you know that your excellent record supports you.

You know that being regular with your finances can always bring good things, like having the peace of mind of being up to date with banking institutions and, above all, without the feeling that it causes you to imagine how you will do to make ends meet.

Have you ever been rewarded for being such a good payer?

At Credifiel we want to reward your efforts to keep your economy afloat and keep your payments current. To you, that you strive month after month to pay off your debts, that you acquire a commitment and fulfill it until the end.

For you, we have Credifiel Premium, a recognition to your will and your desire to succeed.

Credifiel Premium is a card that will help you and be your ally when you need it the most. With this new card, we want to be part of the solution for your economy or for that incident that you did not expect or for that adventure that you are about to undertake.

They say that efforts always lead to a reward and with Credifiel Premium we want to make a difference because it is not just another loan: it is a credit card that gives you the ease and portability that only Broxel, with Mastercard, can offer you.

For all those challenges that our most loyal customers can face, Credifiel Premium comes as a reward for your desire to grow and as a support so that these unforeseen events do not become snowballs for your economy.

How does it work?

Credifiel Premium is a loyalty card to our most loyal and fulfilled clients. It works as a loan via Direct Debit: that is, you will be deducted from an account the amount agreed to cover your credit without having to move a finger.

And best of all, you’ll have that loan between $ 1,000 and $ 6,000 pesos that you need so much without so many formalities or pretexts- click to read Orgues Daurade.

If you also want to be rewarded for your effort, do not stop making your punctual payments to enjoy the benefits of being a Premium Credifiel customer:

  • Have money immediately:

Without so much paperwork and without so much effort; that the excellence of your history speaks for you and gives you the opportunity to meet those goals immediately and without much fuss. You just need to check that you are a regular customer with us!

  • Have a card that distinguishes you as a satisfied client:

Nothing like the security that a card can give you. Forget cash and take your money where you need without risking the loss of money or theft.

  • Ease of activating your card from the Broxel or Web App:

You do not have to return to the branch to activate your Credifiel Premium card. You can do it from the App, downloading it from the Play Store for Android or the App Store for iPhone or the website.

  • Control of your Credifiel Premium account:

In addition to having your balance on hand, your banking movements, the places you can pay with your card, the services you can pay such as water, electricity or the internet. Everything, thanks to the App that will help you remotely.

And as we trust in your performance, we give you a maximum term of 30 days, in case the partialities are biweekly or 45 days if your payment is monthly.

You do not need to do a lot of paperwork. You only need to have online the payments of your previous credits, have updated your contact information and address to start enjoying the benefits of being a customer Credifiel Premium, which supports your effort and your loyalty.

Credifiel Premium, your ideal support

Your Credifiel Premium card works like any other, it has national ATM coverage and allows you to make interbank transfers between your Credifiel card and other banking services.

In addition, it allows you to make online payments while you have a service to carry out this action with Mastercard cards. And the best! Pay your services 24 hours a day, 7 days a week from anywhere, all with the power of your Credifiel Premium card.

The biggest reward is that with your card you can increase your excellent credit history and enjoy all the benefits and services that Credifiel has for satisfied clients like you.

Almost a third of the 59.3 million budget of the DiputaciĆ³n de Guadalajara for 2018 will be for investments

The budget of the Provincial Council of Guadalajara for this year, which will be discussed next Wednesday, day 21, in full, amounts to 59.3 million euros, being the most investor in recent years, to dedicate investments to almost a third of the accounts and with zero debt.

A budget that has been presented this Friday by the president of the institution, José Manuel Latre, accompanied by the vice president, Ana Guarinos, who have highlighted the reduction of debt in the eight years of PP government until the accountant is “to zero”, according to the chief executive of the Corporation.

A budget in which the investment is already 35% of it and for which it has had qualifications as balanced, without a deficit, responsible and which prioritizes the attention to the municipalities.

Latre wanted to highlight in a special way the fact that the County Council has no debt thanks to the management of recent years, after finding an institution in which in 2011, the debt stood at 70 million euros and was has been reducing, allocating this money to an investment.

The president of the Corporation himself has clarified that, although before they could not request loans for the debt that they had, today if they need them, they could ask for them- at least 10 places to choose from.

“Today, the Diputación has no debt, we are close to 70 million euros of debt, but the management of the last eight years has allowed the institution to be cleaned up and the times of greater investment in the municipalities of the province”, has incised Latre.



Employment will continue to be a priority for this exercise, according to Latre, with a dedication of more than two million euros to active policies, its own plan, all with the aim of establishing a population in the most disadvantaged areas and small towns.

“There are more than two million euros that we will allocate to policies related to employment with mainly our own funds,” said Latre, highlighting his own Employment Plan with an investment of 800,000 euros to settle the population in disadvantaged areas.

In addition to the Dipuemplea Plus program, this year there will also be the Dipuemplea Joven for people between 16 and 30 years old, and the Guadalajara Emprende will be launched, which, according to Latre, is essential to promote a strategy in the Henares Corridor and other areas of industrial influence in the province.

It has also announced an increase in contribution to both Rural Development Groups and small businesses for their maintenance.


The president has influenced the commitment, not yet fulfilled, of the Board with the province to allocate 8 million euros to local employment initiatives in disadvantaged areas, within the Operational Program European Social Fund for the period 2014-2020.

Regarding the infrastructure, he said that the roads that have not been subject to action and require improvements and the Road Plan will continue, as well as the implementation of the electronic administration.

For the president, tourism and actions aimed at promoting and promoting it will continue to be a constant because many people live on it, hence the continuation of projects such as the “Journey to the Alcarria”, although this year there will be a special attention to Romanesque Rural and the literary route of the Camino del Cid.

Asset security: Provide for the emergency

Provide in good time through asset protection

Provide in good time through asset protection

Incapacity for work due to an accident, the death of the main earner, immense damage to the dwelling or the pension shortage due to low pension payments – all these are circumstances in life that can lead to serious financial losses and make it impossible to live up to the usual standard of living. In order to avoid this, you should make sure that the assets are secured in good time by means of various measures.


Disability insurance

Disability insurance

In the case of permanent incapacity due to an accident, illness or disability, you are in principle entitled to a pension for reduced earning capacity from the Deutsche Rentenversicherung. The amount is a percentage of your last gross salary and depends on the length of time you can work each day, despite your health limitations:

  • 0-3 hours daily working hours: Up to 29 percent of the last gross salary
  • 3-6 hours daily working time: Up to 15% of the last gross salary.
  • Over 6 hours of daily working time: no entitlement to statutory reduced earning pension.

The supply gap that results from a potential occupational disability is immense. The occupational disability insurance can be completed in addition to the asset protection. It then has the goal to compensate for the loss of income and thus to secure the standard of living.

What should you pay attention to?

  • In order to secure your assets you should conclude a disability insurance as early as possible, because then the contributions are relatively cheaper. In addition, it is more likely to pass the health exam.
  • Choose a contract with momentum, which means annual increase of contributions as well as benefits. With that, you adjust to the fact that the money is continually losing value due to inflation.
  • How high the benefits should be depends on your income. Experts recommend hedging about 80 percent of current net income to maintain living standards.
  • All contributions must be taxed. As a result, annual policy payments are up to 3 percent cheaper than monthly payments.
  • Important: As a rule, however, you can only cancel once a year.

Employer-funded pension

With the company pension scheme, you build up an additional pension through the employer and thus make an important contribution to asset protection. There are different variants:

  • Employer- financed occupational pension: The employer finances the contributions to the pension.
  • Employee-financed occupational pension scheme (deferred compensation ): The employee uses part of the gross salary for the company pension scheme.

What should you pay attention to?

  • Take care in good time / Image: Solis Images / Shutterstock

    Since 2002, employees have a statutory right to a company pension plan through deferred compensation.

  • Employees save themselves by the salary conversion taxes and social security contributions, because the contributions are deducted from the gross salary. It follows, however, that the claims under the statutory pension insurance sink accordingly. Calculate exactly, therefore, whether you can offset the losses by the company pension at retirement age.
  • The contributions for the company pension must be taxed only at retirement age. Added to this is the contribution to health and pension insurance.
  • Even if the employer should go bankrupt, the money paid in is safe.
  • The occupational pension can generally not be paid before retirement age.
  • Possible alternatives to occupational pensions are the Riester pension or a flexible investment in equity funds.
  • As a result of the planned Occupational Pensions Strengthening Act, from 2019 all employers will have to subsidize the savings amount for occupational pensions of 15 percent.

Term life insurance

Term life insurance

A life insurance serves as security for the surviving dependents and provides this support if the income of the main earner is lost due to a death. In this case, as the policyholder, you agree on a sum to be paid out to the survivors should something happen to you. This gives the survivors the opportunity to secure their livelihood with this sum.

What should you pay attention to?

  • You pay a contribution over an agreed contract period. If you die within this time, the survivors receive the agreed amount.
  • If you live beyond the end of the contract, the contract expires. Both the contributions and the insurance cover expire. You will not receive any payouts as your contributions are fully used to finance the insurance.
  • If the risk of death is high, for example due to illness or risk, the Company may decline to take out insurance.

building insurance

A property is exposed to numerous risks. Fire, storm and hail, broken water pipes and much more are just some of the factors that can damage your building. The repair is often associated with prohibitive costs. A building insurance serves to safeguard assets and takes over the case of damage for you.

What should you pay attention to?

  • The insurance covers the residential building and everything that is permanently installed in the building, such as sanitary facilities, built-in wardrobes or awnings.
  • The building insurance does not cover the following causes of damage:
    • flooding
    • Earthquake or landslide
    • avalanches
  • Against these dangers, you must additionally take out a so-called natural damage insurance.

Also not included in the building insurance is the household effects. Experts recommend that you take out a separate insurance.