Payday loans online instant -Where can i get a payday loan online

 

Many people are not aware that borrowing is indeed possible in some situations. Where banks try to exclude as many people as possible from a loan, through strict conditions and a blacklist check, there are also other loan providers on the market with less stringent conditions. So read on quickly whether there is also a possibility in your situation to quickly borrow money!

Where can I get a payday loan online

 

Banks are in financial crisis and therefore prefer to provide as few loans as possible. Other loan providers like One Payday, do not apply these strict conditions, so borrowing money is often possible. These providers, therefore, try to ensure that borrowing is as accessible as possible for as many people as possible.

Minicredit conditions

Mini credit often offers a good alternative to borrowing from the bank, and that has to do with the conditions of both loans. For example, in the case of minicredit, you do not have to take the paper into account and no blacklist check is done by minicredit providers. A blacklist check is often not necessary when it comes to smaller amounts and besides, a blacklist check often costs a lot of time and effort. As a result, loan providers are not waiting for this and you can simply borrow with a blacklist registration. You also do not have to send papers or answer difficult questions when making a loan request for a mini credit. However, you always have to take into account two things: you have to have a minimum income of a fixed amount per month, this can be a salary, but you can also take out minicredit with student finance, health care allowance or a benefit. So you too can probably get money from minicredit providers without any work!

Apply for a loan online

Mini credit is the kind of loans that you can take out online, which means that you do not have to leave the door to get money! In general, a loan application for mini credit is arranged within 5 minutes. To also quickly request a loan on the internet, you only have to go through a few steps. First of all, it is important that you find a loan provider of your choice, you can compare the online loan providers on the basis of the conditions. In any case, it is always wise to read this carefully so that you know what you can expect from a loan provider. Have you made a choice once with which provider you want to borrow? Applying for the loan is very easy. All you have to do is fill in the application form correctly and wait until you receive a confirmation of receipt from the loan provider. How quickly you can expect money on your account depends on the loan provider, but often this goes fairly quickly. Some loan providers even make it possible to receive money in your account within 10 minutes. Getting money quickly is not a problem!

Loans can no longer be used or the education of children can be financed

Loans can no longer be used or the education of children can be financed – the death of a person usually also has financial consequences. To reduce this, 39 percent of Germans have secured their family. For whom the risk protection makes sense and what there is to pay attention knows CosmosDirekt.

If the partner or a parent dies, the survivors are often faced with financial problems. In order not to have to feel the loss in your wallet, the private protection of relatives makes sense. But contracts for pure risk protection take in this country according to industry information service map-report only 9.3 percent of the total inventory of all life insurance.

In other words, the numbers look a bit more positive: After all, 39 percent of Germans have, according to a recent forsa survey on behalf of CosmosDirekt a life insurance to cover their deaths completed – 40 percent of men and 37 percent of women.

“For many women, the policy of the highest-earning man is the best protection against financial ruin and poverty in old age,” explains Manfred Poweleit, editor-in-chief of the map-report. “At the same time, however, women should provide financial security for their partner and their children.” The sum insured should be around three to five times the gross annual earnings.

Safety net for the family
One of the most important reasons for risk protection is the protection of the partner – 72 percent of the men surveyed and 60 percent of the women say so. Silke Barth from Germany’s largest risk life insurer CosmosDirekt advises: “Housewives should also protect their husbands or the entire family. Because the one who cares significantly about the offspring dies, the partner needs money for the care of the children or a domestic help. “

Special situation with single parents
For 81 percent of all mothers who have completed death protection, according to the survey, securing their children was the main reason. 77 percent of men agree. Silke Barth is currently recommending single parents to secure their children so they can be taken care of in case of emergency. If one assumes, for example, about 1,000 € per month for 20 years of life, this results – interest not included – a sum insured of 240,000 €. A 30-year-old man receives a term life insurance with this sum and 20 years of contract at CosmosDirekt from just 10.88 € per month.

Protection for home builders & Co.
“If you pay off a house or repay a loan with your partner, you can secure it well with a flexible life insurance policy,” says Silke Barth. In the case of this special form of risk protection, contributions decline as the residual debt decreases. If both partners financially contribute to the repayment of the loan, it makes sense for both to take out such insurance. According to forsa, 29 percent of respondents have agreed on their risk protection for these purposes – 31 percent of men and 27 percent of women.

Always assign correctly
Risk life insurances should necessarily be completed crosswise: one partner is the policyholder, the beneficiary and the contributor. This means that he also receives the agreed sum if necessary. The partner is the insured person. Thus, the sum insured does not fall under the inheritance tax liability in an emergency.

Unisex – What now?
Women planning to take out a life insurance policy should do so before 21st December. Because from this date, new contracts for female insured become more expensive. The reason is an EU regulation, according to which all new policies apply unisex tariffs. They are calculated independently of gender.

“Integration only succeeds through successful participation in education”

Education plays a central role in the integration and social participation of people with a migrant background, emphasizes Stiftung Mercator. That’s why she wants to ensure more equal opportunities . Children who have immigrated to Germany are often disadvantaged at school, says Christiane von Websky, Head of Integration at the Foundation.

In order to counteract this, it sees the teachers in particular as their duty. In an interview with finanzen.de, Websky explains how the foundation supports people in reducing disadvantages and what success has already been achieved.

Integration is one of the four major cluster themes of Stiftung Mercator. Which three aspects are particularly close to your heart, especially with regard to the current refugee situation in Germany?

Christiane von Websky: We want to positively influence the integration climate by raising awareness about the chances of immigration. Above all, this should strengthen social cohesion in Germany and enable all people to participate in society. An effective way to achieve this is through successful education. Our commitment to equal opportunities involves the entire society in Germany – including the newly immigrated refugees.

Immigrant students are often doubly disadvantaged by their migrant background and their social background, which is why we look at both in our educational projects. Because integration can only succeed through successful participation in education.

How do you want to achieve your integration goals and how exactly do you support people with a migrant background?

Christiane von Websky: Together with our partners, we are developing projects with a model character that have the potential to expand further. It is important to us not only to act selectively, but to develop innovative and implementable concepts that are transferable. We are guided by the question of what schools and teachers must do to master the challenges of increasing diversity in the classroom . One focus of our work is, for example, language training, which we take into consideration with our partner company, the Mercator Institute for Language Education and German as a Second Language, among others.

How do you specifically encourage people who have a migration background themselves, for example through their own projects for more integration?

Christiane von Websky: Social participation, which should be possible for all people living in Germany, also means for us that everyone should work for a positive integration climate. We therefore encourage – especially young people – to actively engage in discourse, for example with the Young Islam Conference. There, religious and non-religious young people from immigrant and non-immigrant backgrounds come together to discuss their lives in Germany or in their city, to learn more about each other and to give their own impulses for living together in diversity in politics and administration .

What successes have you already achieved with your projects? Is there an example that you have particularly remembered?

Christiane von Websky: Through our studies, we succeed time and again to contribute to the objectification of the debate on immigration. Prejudices are often caused by ignorance . We communicate the results of our studies widely, derive recommendations for action and pass these on to politicians, administrators and teachers. For example, in our most recent “Diversity in the classroom” study, very concrete, hands-on approaches to teaching came out to show how good performance can be fostered by students with a migrant background.

What approaches do you see both socially and politically in order to further promote the integration of people with a migration background in Germany and to create more equal opportunities?

Christiane von Websky: Above all, teachers and educational staff must be prepared for an ethnically and socially diverse school and student body and the associated requirements targeted in education and training. We are currently developing a degree program together with the University of Duisburg Essen, which should also professionalize teachers in the areas of language development, trauma coping and dealing with diversity. The goal is to alleviate educational disadvantages of immigrant and / or disadvantaged students through an intercultural and religion-sensitive attitude of the teaching staff.

Thank you for the interview, Ms. von Websky.

The 2017-18 academic year has up to now 2,852 fewer students in the Canary Islands and the Canary Islands educational system will be configured

The 2017-18 academic year has up to now 2,852 fewer students in the Canary Islands and the Canary Islands educational system will be configured

The head of the regional department said that the development of the plans that will complete the implementation of the Canarian Law of Non-University Education “will bring changes that consolidate an even higher quality education, with much more attention to differences, a solid preparation in languages ​​and , above all, an inclusive education in which the centers are not isolated places, but in permanent contact with the society of their immediate surroundings “.

In this way, among the most significant measures, Monzón highlighted, within the Plan of professional and social recognition of teachers, public recognition of their good practices, to put them in value before society, attention and protection in the development of their functions , and that from January 1 will begin to implement the new remuneration model, based on the collection of sexenios depending on the continuous training that demonstrates and in supplements for exercising responsibility tasks, such as group tutoring.

Regarding the novelties that the Strategic Plan of Attention to Diversity will bring, during his speech he explained that, through the Impulsa program, more than 260 teachers will be dedicated to support, especially in terms of linguistic and mathematical competences, for the students of Infant and the first two years of Primary.

MORE EARLY ATTENTION

The objective is to give more early attention, facilitate the transition between children and primary and make a more individualized accompaniment to the students who need it most, resulting in better future results and in reducing school absenteeism and, later, early school leaving .

Here, within this strategic plan of attention to diversity, which includes the start-up of 13 new Enclave Classrooms, the new figures of Social Educators are also incorporated the next course, with 36 beginning, until completing the number of 86 when the implementation of the plan is finalized, and of Occupational Therapists, who will be 13 and will work in the special education centers.

In addition, the Specific Guidance and Psychopedagogical Teams are reinforced, with 13 more counselors and 11 specialist teachers in Hearing and Language.

PLAN FOR THE IMPULSE OF FOREIGN LANGUAGES

Regarding the advances derived from the Plan to boost foreign languages, implemented since the 2016-2017 academic year, the contribution of the Autonomous Community to the program of Auxiliary of Conversation is increased, with funds for 96 more, until reaching 170, financed for the Canary Islands.

Also within the PILE, 50 teachers were able to enjoy one-month specialization courses in English-speaking countries this summer and 160 more will spend a full term during this 2017-2018 academic year in English-speaking countries, to study both the language and the methods of teaching in a language different from the mother tongue.

At this point, Monzón indicated that there will also be innovations in other areas and other plans, such as Technological Modernization, for which the Governing Council approved last July, for example, a departure from

6.6 million euros under the Extraordinary Credit Law, which will allow to renew 10,700 computers immediately.

“VERY PROVISIONAL” FIGURES

When passing to the exhibition of the data with which this school year begins, Soledad Monzón repeatedly insisted that at this time there is very provisional data, “which may have important changes in a few weeks.”

Once this clarification, the counselor threw out the provisional data: On September 5, the time to extract the data to be able to offer an idea of ​​the situation at the beginning of the course, there were 22,107 teachers appointed, compared to 21,461 last year .

Especially significant is the increase in appointments in the body of teachers, despite the decrease in the number of students. As of the date mentioned, 10,244 teachers of this body had been appointed, compared with 10,038 for the 2016-2017 academic year.

By volume of appointments, Secondary Education follows, where teachers also increase. For the course that begins on Wednesday at this stage, 9,183 teachers have been appointed, when last year they were 8,719.

Likewise, in the Infant, Primary, Secondary and Baccalaureate programs, there are currently 219,148 enrollments for the next academic year, compared to 221,987 the previous year, which means, at the moment, a global decrease of 2,852 enrollments.

CHILDREN FOLLOW THE TREND TO THE LOWImage result for STUDENT

By levels, in Infantil follows the downward trend registered in recent years, with 35,053 enrollments, compared to 35,964 in the previous year, that is, 911 fewer.

More pronounced is the decline in Primary, with 2,782 fewer enrollments, from 90,666 last year to 87,884.

In Secondary, the increase of the last courses is maintained, with 1,296 more enrollments. This course is 68,237, compared to 66,941 for the 2016-2017 academic year.

Meanwhile, in Baccalaureate, the enrollment is so far 27,751 students.

In conclusion, Soledad Monzón indicated that, as a result of these data, the general data that can be advanced is that the course starts with 2,852 fewer students and, in the absence of many appointments and a more specific breakdown according to the field in which they teach. subjects, there are 670 more appointments, in the bodies of teachers and secondary education.

Rubalcaba’s proposal to Rajoy: set health and education expenses and pensions

Rubalcaba’s proposal to Rajoy: set health and education expenses and pensions

The leader of the PSOE, Alfredo Pérez Rubalcaba, has announced the sending, to the President of the Government, Mariano Rajoy, of his proposal for a large agreement in which to set, among other things, spending for health and education in the coming years and the Toledo Pact is reinforced.

The goal of Rubalcaba is to stop cuts, unilateral reforms and lower wages for workers The proposal for a pact, with nine points, includes talking about housing; controlled of marketing; tax and growth model and industrial policy ; reforms to guarantee energy competitiveness and regulated professions; reform of public administrations and a transparency law. Rubalcaba will also send it to the parliamentary groups, trade unions and businessmen and regional governments, since in his opinion everyone should be involved in the agreement .

Thus, if the Government “answers no,” the socialist leader will begin with the unions the round of meetings with the rest of the agents and institutions affected. Rubalcaba has insisted that “Spain needs a big deal” and, although he has admitted that he does not see the government “willing to even try”, he has advocated not to desist. He also affirmed that “doing so is not the immediate remedy for the crisis”, but he has been convinced that he would give “confidence to Spaniards, Europeans and world economies” .

According to Rubalcaba, during his speech before the Federal Executive, an EPA (Survey of Active Population) “disastrous” with six million unemployed and a Europe that is “turning from adjustment, adjustment, adjustment to adjustment plus growth and employment” is what allows you to present your proposals at this time. All of them are aimed at ” changing the three lines of action of the Government: cuts to tutiple , unilateral reforms and lower wages for workers,” and also to put on the table policies to stimulate growth.

Proposals to regrow

The PSOE is committed to an income agreement that moderates wages and business benefits, as well as a social salary The proposals are structured around different sections, for example, credit to SMEs ( through the European Central Bank, the Bank European Investment , the European rescue mechanism, the Official Credit Institute and Spanish banks that receive public aid) and job creation (layoff moratorium, youth employment measures, Erasmus for vocational training, loans to companies with new jobs and bonuses one hundred percent in Social Security to new jobs).

The document also addresses an “income agreement” that aims to moderate wages, but also business benefits and prices, and to seek standards of coexistence and social services that make up a “kind of social wage” to compensate the most disadvantaged for the crisis. “We should be able to discuss not only when, but how we got out of the crisis and what Spain we want to have when we leave and with what rules of coexistence,” Rubalcaba has claimed.

After noting that most Spaniards are “in agreement with trying this pact,” he said that he does not see it as incompatible having asked Rajoy’s resignation three months ago with wanting to agree with him now: He has argued that he still thinks that the President of the Government is in such a situation of weakness in the case of the alleged illegal financing of the PP that should resign, but has specified that it is your responsibility to decide whether to leave or not.

Rubalcaba took the opportunity to congratulate the European Commission has denied the existence of a letter against the decree to stop the evictions of the Junta de Andalucía. “I am glad that Brussels respects the action of the autonomous parliaments,” he said.

Crisis, politics and education

Crisis, politics and education

Day after day I read in the pages of this newspaper with deep disappointment the statements of all our politicians in the face of the current economic crisis and confirm that, after nine months since the beginning of it, have not taken any effective action to resolve it.

To date, politicians have limited themselves to injecting huge amounts of money into the banking system, through auctions at ridiculous interest rates, helping them to get out of a compromised situation where they got themselves and allowing them with everyone’s money. they continue to make great and immoral benefits and, on top of that, they excuse themselves in late payment to lend money to companies and individuals to abusive types. In addition, they threaten that their solvency is linked to ours, that is: if they go bankrupt, they go with our savings (those of those who still keep them).

I think that if our politicians decided to take the following five temporary measures, they could reactivate the economy:

1st: Suspend liquidity injections to banks . If they run out of liquidity, they sell their assets at market price with the strict supervision of the Bank of Spain Inspection and, if they fail, it is the State that, at its book value, buys that entity and guarantees the money of the depositaries.

2nd: That the Bank of Spain, supported in the management by the super- efficient Tax Agency , directly lend the money, at real market price, to companies and individuals.

3rd: Eliminate 7% VAT on the purchase of new housing and drastically reduce the registration and notary fees of these operations. Sales in this sector are close to a 50% decrease and this drags its immense auxiliary industry, both directly involved in the same construction (cement, steel, transport, etc.) and the indirect (furniture, appliances, textiles, etc.). Reducing the final price of new housing and improving access to credit will increase the sale and, therefore, the state will not suffer reduction of income, since the loss of 7% of VAT would be offset by the increase in collection of such tax in the auxiliary industry.

4th: Similar measures can be used to recover the sale of cars or, even easier, to imitate the plan to foresee that Germany has been applying successfully for several months.

5th: With more than four million unemployed and, I hope wrong, maybe five after the summer, the labor market should be urgently relaxed or, at least, temporarily allow the new hiring of newly incorporated workers and unemployed workers to have a dismissal cost similar to that of our partners in the European Union .

To the very unfortunate situation of people who are unemployed join other dire situations: on the one hand, the enormous economic effort involved in the payment of unemployment benefits; on the other, the logical decrease in consumption by these unemployed, which accentuates the crisis; and finally, the threat of disruption of social peace, since the subsidy is not eternal and people need at least food and shelter.

I think that with these five measures would be enough to get out of the current crisis . However, they will only be a patch in the short term, because to solve our problems definitively, two more things are urgently needed. First, an independent Justice that works quickly, effectively and transparently. It is the only real system for people, including public officials, who commit a crime or breach a contract, of whatever kind, to have the certainty that society will force them to repair the damage they committed.

And, second, but perhaps this is the most important measure, we must modify our scale of values ​​and reinvent the educational system , especially in primary education, so that children naturally assume as the main virtues of the people who must Be above all honesty, kindness and effort culture.

Financial education: glossary for dummies

Financial education: glossary for dummies

Are you very green in the world of finance ? Do not know very well what is the balance, a budget, income, savings, etc.? Financial education is very important to have a healthy economy.

So if you are a “novice” or a beginner in the world of finance do not worry here we offer you a glossary of economic terms that will help you to develop better in the world of economics:

  • Save : Action that consists of saving part of the money or the profits that are had and not spending everything. The savings allow to have a healthy personal economy.
  • Savings : Action and effect of saving and therefore is the amount of money saved to use later.
  • Debt : Money that a company or a person owes to another person, a supplier or a bank.
  • Economize : Each of the techniques used, both in companies and in family economies, to spend less money and save money.
  • Expenses : All that money that people have to spend to buy goods or services.
  • Income : Amount of money a person receives. It can be as consideration for a job, a gift or for selling goods or services if it is a company.
  • Budget : Set of expenses and expected income for a certain period of time, which is usually a year.
  • Balance : It is the difference between debit and credit, that is, between income and expenses at a given time. It can be positive, if there is more income than expenses; negative, if there are more expenses than income; and null, when both are equal and the result is zero.
  • Transfer : It is a banking operation that consists of exchanging money from one bank account to another.
  • Payment : Money that is given to buy a good or a service or to extinguish a debt. It is the effective fulfillment of a due benefit.
  • Current account : Record of movements of money that a person has in a bank and that allows him to realize income, payments and to have money in cash immediately.
  • Bank Discovery : It is when a bank’s current account has a negative balance, that is, less than zero. More money has been spent than was in the account and owes that money to the bank. Commonly to an overdraft situation is called “having the account in red numbers”.
  • Money : It is the set of bills and coins legally established as a means of payment.

What do you think about the concepts that we have desgranado? Do you still believe that understanding the main economic terms is complicated? Tell us your opinion, we are waiting for you!

PSOE decides to abandon the Education Pact while the PP does not raise the financing

PSOE decides to abandon the Education Pact while the PP does not raise the financing

Madrid, Mar 6 (EFE) .- The PSOE has fulfilled the ultimatum given yesterday to the PP by its secretary general, Pedro Sánchez, and today has decided to abandon the work of the Subcommittee of Congress for an Educational Pact while the Government does not commit to increase the financing of education to at least 5% of GDP.

After a tense meeting to vote on the financial proposals of each group, none has gone ahead, because in this Subcommission the votes of a three-fifths majority are needed and three parties have not agreed, the various educational parliamentary spokespersons have recognized.

“We get up until there is no commitment on the part of the Government” to reverse the educational cuts and reach 5% of GDP with which to meet the challenges of Spanish education, highlighted the spokesperson for Socialist Education, Luz Martínez Seijo.

“Although our desire was to continue participating, and we make that offer to continue participating, in the Subcommittee we will not do it if there is not adequate financing”, added the PSOE spokesperson in Congress, Margarita Robles.

Both have coincided in emphasizing that after a year working in the Subcommittee, “with loyalty”, “it has been impossible to reach any agreement with the PP, which has denied sufficient funding”; They have criticized that now investment in education is at 4.1% of GDP and the Government wants to put it at 3.67%.

The fact that there is no agreement on financing in education is “a matter of tremendous seriousness,” said Martínez Seijo, who recalled the 9,000 million euros lost due to the cuts and the PP responds with a proposal of 5,000 million euros more until 2025.

In addition, he has accused the PP of having posed a “blackmail” to the autonomous communities by linking the pact with financing to them.

From the PP, its spokesman in the Congress, Rafael Hernando, has described as “irresponsible” and “infantiloide” the socialist attitude.

In the same vein, Sandra Moneo, educational spokesperson for the popular ones, said that she has invited the PSOE to rethink its position since it has political responsibilities in autonomous communities and has been a government party.

“The decision they have taken responds more to a political strategy,” according to Moneo.

He stressed that for the PP to talk about a GDP figure is “deceptive” and what you have to do is “shield” a budget with an economic memory.

To the socialist proposal of 5% of GDP, the PP has replied that this can mean 1,500 million euros per year.

And asked the PSOE: if the Government agrees to put their share, about 76 million euros, will the communities contribute what corresponds to reach the 1,500?

“The PSOE has not assumed it,” Moneo assured.

Javier Sánchez (Unidos Podemos) has said that they remain in the Subcommittee but they will not vote on any of the proposals of the other groups or their own until the voting method is changed, so that the possibilities of the pact “will remain blocked. “

He recalled that the PP and the PSOE were the ones who supported that each point of the educational script (there are 15 topics with their respective sub-themes) had to get ahead with a majority of three fifths.

“We are going to invite the spokespersons of all the groups to rethink this method to save the agreement in some way,” said Sánchez.

Juan Carlos Girauta (Citizens) has charged against the PSOE for pretending to “blow up” the education pact and has defended that a certain investment per student is shielded from raising education funding to 5% of GDP.

He does not just see, as he explained, that the PSOE put on the table an absolute percentage of GDP to pay for public education when the best thing is to “shield” a ratio per student.

Joan Olòriz (ERC) has stated that “the shadow of Montoro has planned” today on the Subcommittee and has been skeptical about the possibility of the pact moving forward without a financing agreement.

The Subcommittee for the Social and Political Pact for Education has been working in the Congress for fifteen months.

It was in December of 2016 when it was set to create it and in February of 2017 began the appearances of more than eighty experts.

Since last January, the groups debate behind closed doors a script of fifteen educational points.

The issue of funding, which has led to the departure of the PSOE, is the second point of the script, while the first dealt with the diagnosis of education, its goals and objectives.

Financial education as an essential pillar

What is education or financial culture?

According to the Organization for Economic Cooperation and Development (OECD) , education or financial literacy is “the process by which investors and financial consumers improve their understanding of financial products, concepts and risks and, through information, teaching and / or objective counseling, develop the skills and confidence needed to become more aware of financial risks and opportunities, make informed decisions, know where to go for help and take any effective action to improve their financial well-being.

 

Importance of financial education

The financial illiteracy suffered by today’s society is widespread and people lack knowledge of the most elementary and basic economic principles and concepts.

In recent years, due to the development of new financial methods, the need for knowledge of this subject has increased in order to avoid doubts and mistrust in making financial decisions. Also, that the financial world is very complex.

Currently, many international and multilateral organizations are aware of the lack of financial culture and therefore promote improvements through programs and collaborations linked to this challenge. Translating this way into direct benefits for the population and also for the sustainability of the financial system.

 

Influential factors in the needs of financial culture

There are certain factors that motivate an increase in the demand and supply of financial products that motivates a greater complexity in the information relative to them. Three of these factors that can be highlighted are:

Variations in the conditions of the market

It refers to the risks that investors take in making decisions . The change of market conditions in returns, interest rates and other aspects means that, on many occasions, they are not fully aware of what the different investment operations entail.

Innovations of the financial system

Financial innovations have developed a variety of alternative financial products to traditional ones such as new companies developed by the Fintech sector, which, if you do not have a good financial culture, there is a certain confusion before them creating thus generating a greater training deficit.

Increase in competition

There is an increase in the competition of financial entities that sell financial products to retail investors considering this as all those investors who do not have enough experience and knowledge to make large investments.

 

Situation of financial education in Spain

Given the needs of financial culture, Spain is one of the countries that does not have the necessary training of young people and families to operate consciously in financial markets, that is, the existence of gaps in basic financial concepts causes impulsive actions that do not contain prior analysis of the consequences.

Also, many companies take advantage of this lack of training, creating unnecessary needs among savers for the hiring of unfamiliar financial products.

The Secretary of State for Education, Marcial Marín affirms that the current financial education plan “remains to be developed” in the financial education plan, since 80% of Spaniards admit having “insufficient or bad” knowledge to this respect.

The latest studies conducted in this field show disappointing results that place approximately half of the Spanish population as lacking sufficient financial information and their products. Therefore entities such as the Bank of Spain, OECD, ACADE, ADECOSE … and other collaborations, propose plans for the promotion of financial education that since 2013 have been renewed. Thanks to these plans, the results are getting better, creating greater awareness among the population and making financial decisions more effective.

Other actions that improve financial education in Spain

To improve all this, from MytripleA we have developed a financial dictionary where anyone can learn about financial and economic concepts explained from one to one.

In addition, we explain our investment and financing products without small print and with clear things so you do not have any doubts about them.

Education allocates 279.84 million to the concerts and foresees remaining credit before a lag of 20.42 million

Education allocates 279.84 million to the concerts and foresees remaining credit before a lag of 20.42 million

As pointed out by the Minister of Education, Fernando Rey, in the presentation this Monday of the budget project of his department for the year 2018, that additional credit contribution will be lower by almost 13 million to the incorporation that was necessary in 2017.

To this he added that this year there has been a renewal of the concerts for the next six years according to the new regulations – until now they were renewed every four years -, with a “slight reduction” in the number of units.

Fernando Rey recalled at all times that one of the keys to equity pursued by his Ministry is through the free election of a center and, as a professor of Constitutional Law, he explained that the Spanish Constitution guarantees the right of parents for their children they receive the religious and moral training that is in accordance with their own convictions, “which is one of the foundations of the existence of concerted education”.

“It is an enormous wealth of the system,” he has defended in this regard to also mean that the PISA report has revealed the homogeneity of the system with “very similar” qualifications in the two types of education, public and concerted, “which is a great news because it eliminates all kinds of negative connotations of one or another education. ” “Let’s not oppose one school to another,” said the counselor, who recalled that “all kinds of families” attend the arranged schools.

“This should make us very proud,” said King who has also noted the “few differences” between the centers of urban and rural areas. In this specific point he has defended that to maintain the rural population the Board must offer the services where they are demanded, and even make them serve as an “incentive” for the settlement of new families.