Free Debt Counseling

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Caritas offers debt counseling to people in financial need.

No man is safe from the debt trap, she can snap shut unexpectedly. For those affected financial shortages often stress that can beat on health. Once debts are accumulated, good advice is expensive .

There are a number of counseling centers in Germany, which debtors can visit. Caritas also offers debt counseling to people seeking a way out of financial hardship through professional help .

It is a charitable organization of the Roman Catholic Church in Germany, which acts as a registered association and is organized under the German Caritas Association . Around half a million volunteers are involved in the facilities of Caritas.

Important: Although it is a federation that belongs to the Catholic Church , the offer of Caritas for debt counseling is available to all people, regardless of age, belief or nationality .

How debt counseling at Caritas works

Anyone claiming debt counseling from Caritas can rely on discretion . Among other things , the association advertises . An appointment must be made for a Caritas debt counseling service.

In case of emergency , a short term appointment is also possible. If you talk to Caritas about debts, you should bring along all relevant documents on the consultation date.

The 3 secrets to take advantage of money in installments on Easter holidays

Image result for easterThe subject of finances in Holy Week is never superfluous, why? It happens that many times, months after having enjoyed a few days on the beach, we are still paying the price of those wonderful days.

In most of the occasions we think that it does not matter because “We already enjoy it”, however, it does matter. The financial issue at any age and at all times of life should become a good habit.

They say that the people who enjoy the most vacations and most trips are the ones who organize their finances better. Of course, having good income is important, however, there is nothing that good administration cannot solve.

For this reason, it does not matter if the holiday period is to come, it is always advisable to have on hand a good article that tells you about the best secrets to take advantage of your money.

Do you want to be one of those who travels a lot or a little? It is always interesting to learn to manage money from our pockets and above all, listen to the tips that other people have to share, more when it comes to money in installments, that is always important, it is important.

In my case, I can tell you about someone very close to me and who, on an annual basis, makes an international trip, always at the same time of the year.

Surely you wonder if he earns a lot of money and I do not really know, what I know is that he works very hard and is very constant. Of course, good habits always bear fruit that makes us happy.

In our conversations, I have learned some tips that make your financial life much easier, helping you not only to enjoy your trip peacefully but also, on your return home, you have nothing to worry about. Next, I will describe them:

Flights and transportation: If you have some type of credit card, the most recurrent is that they offer certain benefits for flights and transportation, which can range from packages to discounts.

There are also special cards for travelers, which have multiple benefits not just on the plane ticket, they can also offer you special treatment in hotels and restaurants.

Reservations and tours: To travel, I have learned that the strongest expenses are always transportation and lodging. When you decide to pay for packages it is different, generally, you only pay and the agency takes care of everything else, even though it turns out to be a strong expense or for which you must save a lot.

But do not worry, if saving is not your thing, then you should consult the next point.

Credits to settle accounts: One of the easiest ways to settle balances in red shortly after a trip is through the credits. But of course, it should not be any credit, it is best to request one where the money you get practically instantly followed by having requested, so, the faster you pay, the less chance of surcharge and interest you may have.

In addition, to settle the accounts in their entirety in a single exhibition can have incredible benefits. At PD Now we can grant you another loan or a refinance, this is how we distinguish our best clients.

Of course, now you will ask yourself how is the best way to repay the loan. Payroll is very simple because you will not have to make deposits and there will be no pretexts for delays. It will be practically like forgetting that you once applied for a loan and in a short time the debt will be paid.

Remember that the most important thing to be free of debts or have them controlled is a good administration, which not only helps you to have financial tranquility but also helps you to enjoy incredible vacation periods in the company of your special people.

Remember that life was made to be enjoyed and to have fun, so now, after working for many years, it is time to start living all the benefits that retirement gives us. Meet Credifiel.

Is a ‘zombie apocalypse’ possible? Here, a scientific perspective

Zombies are one of the most common resources of post-apocalyptic fiction.

Zombies are one of the most common resources of post-apocalyptic fiction.

Much of the public has ever wondered how he would act in such a scenario; which, in turn, inevitably leads to the question of whether it is really possible that zombies exist and, if so, how they would be. Science, as always, comes to solve our doubts, even about the undead.

In the first place, we are going to deny one of the most impossible characteristics: the zombies as ‘machines of perpetual motion’ , whatever happens, they never stop; walking corpses that, whether they find food or not, continue to walk for months, years or all of non-life. This is totally impossible, then, no matter what the zombification has caused, these creatures must be subject to the limits of physics. No organism, alive or undead, can maintain its activity without receiving a contribution of energy that sustains it . Therefore, the zombies would disappear by simple starvation.

Different representations of zombies in movies. / AMC, Fox Searchlight and Screengems.

The next question is how the physical abilities of the zombies would be affected when they enter that state. In fiction we find three basic options: zombies with strength or agility similar to those of the living ( 28 days later ), with reduced abilities ( The Walking Dead ) or zombies with enhanced abilities, stronger and lethal than in life ( Resident Evil ) . From the scientific point of view, it is most likely that the zombies had inferior abilities to those they had in life , due to the physical deterioration of their organism . It would be possible, though less likely, to maintain the same capabilities if, instead of dying, they would only lose their conscious mind, in which case they could retain their strength or agility as long as they managed to stay well fed. What definitely does not seem possible is that their strength increases. Therefore, it seems evident that we could face the zombies and defeat them .

Another traditional idea of ​​the genre is that zombies feed on brains.

Another traditional idea of ​​the genre is that zombies feed on brains.

However, zombies can not be expected to be selective with food . In fact, the most modern sagas already present zombies that feed on anything to survive.

Neither does the gregarious behavior by which zombies tend to recognize and form groups seem very reasonable. They would be more likely to attack each other , unless their flesh was not useful to the zombies themselves and they retained the ability to detect and discard each other; something complicated but we could accept. In any case, if that were the case, at most they would ignore each other.

Analyzed these secondary characteristics (on which you can find more details here), we finally come to the most important of all: could there really be zombies? It seems impossible that after death something will make us leave the graves. On the other hand, if we accept as zombies those bodies whose brain has been partially destroyed or annulled , leaving a functional organism but reduced to an entity without consciousness that only seeks to satisfy its most basic impulse to feed itself , then we could get to face an epidemic zombie For that, it would be enough for a pathogen (virus, fungus or bacteria) to appear that could infect us, reach our brain and damage it in that way. Another possibility would be that a pathogen would infect us in another part of the body and that its activity would produce a substance that reached our brain and caused those symptoms, as if it were a potent drug.

But if all the above is pure speculation, there is something that is very real, and that is, in fact, there are already zombies among us . Although only in the case of animals infected by pathogens that make them a certain kind of zombies.

The simplest case would be rabies , caused by a virus and whose symptoms closely resemble those of zombie fiction (loss of control, aggressiveness, bites and infection through them), although the infected organisms are not dead living. ‘

To find animals whose behavior is closer to that of ‘living dead’ we could consider the insects that are hosts of parasites such as nematomorphic worms ( Nematomorpha or Gordiacea ). These worms in their adult stage live in the water (we can find them even in puddles of rain), where they lay their eggs, which are ingested by insects. The worms are born in the body of their host and feed on it until they grow enough to be able to live free. When the time comes to leave, the worm takes some control of the body of the insect and provokes the self-destructive need to search for water and dive in (Video above).

From that moment, even if the insect keeps moving, it is practically a living dead, because it does not own its actions, and literally commits suicide so that its parasite lives and continues the cycle.

The most extreme case is undoubtedly found in the fungus Cordyceps unilateralis , which infects ants such as those of the species Camponotus leonardi . The spores of this fungus that reach the ants grow inside them, eating them inside. In a short time they manage to alter the behavior of the ant, causing it to do strange things such as separating from other ants, biting leaves and hanging on them, or jumping from the vegetation to the ground. In this case we can talk about real ‘undead’, since the fungus completely infects your body and your mind. It even moves the ant’s jaw after it has died , which makes it an authentic zombie ant. In the end the fungus develops a mushroom that leaves the head of the ant, to disperse its spores and infect more ants. This also happens with other Cordyceps that infect other insects (as you can see also in this video).

Hongo Cordyceps unilateralis en hormiga y representaci%C3%B3n en humano The Last of US  Penn State y Naughty Dog

Fungus Cordyceps unilateralis in ant and human representation (The Last of US). / Penn State and Naughty Dog.

Could something like that happen in human beings? That is just the argument of the videogame The Last of Us , in which a mutation of Cordyceps infects people. However, this does not seem a real threat, because these fungi have co-evolved with insects, and are not adapted to infect us (a simple mutation would not be enough to get us to control them like ants). In any case, we could speculate that in some future it would appear (by natural evolution or intentionally by our intervention) a form of pathogen that manages to provoke a zombification . So we can conclude that, although it is unlikely, scientifically it is possible that we will become zombies.

* Omar Flores is a biologist at the CSIC in the National Museum of Natural Sciences .

Tags: 28 days later, zombie apocalypse, Biology, Cordyceps unilateralis, CSIC disseminates, scientific culture, disclosure, gordiacea, National Museum of Natural Sciences, nematomopha, parasite, parasites, resident evil, The last of us, the walking dead, zombies | Stored in: Biology

What does a blind person do by studying the universe? In addition to a researcher at

What does a blind person do by studying the universe? In addition to a researcher at

the Institute of Astrophysics of Andalusia of the CSIC, I am blind. I have a degenerative disease of the retina called retinitis pigmentosa for which I have been losing vision, which made me join the ONCE six years ago. Perhaps some think that this physical limitation prevents me from carrying out my profession, because it might seem that the sense of sight is important to perceive the universe, but the reality is that we are all almost as blind to what it contains . This is something we have discovered in the last century, in which increasingly larger telescopes have appeared, cameras capable of capturing imperceptible images with the naked eye, light sensitive detectors that the human eye can not see because it is found in other frequencies different from visible light, such as radio waves or X-rays. All this has led to the discovery of incredible things that we were not even able to imagine until recently.

Even the human being has put into orbit space probes that can visit other planets and satellites of our solar system. We have also launched space observatories that collect light that can not cross the Earth’s atmosphere.

Many of the things we know about the universe we know because we have designed artificial eyes that look beyond what our eyes can see. However, the universe has many other things that, even with the latest technical advances or the most sensitive telescopes or detectors, we can still observe . I’ll give you five examples.

Asteroids Our solar system is plagued by innumerable rocky bodies that are a vestige of the time when a part of the gaseous cloud that formed the whole system condensed into small fragments orbiting the Sun. Many of them were grouped in increasingly larger objects that gave place to the planets and their satellites, but many others remain loose and, from time to time, end up colliding against the other major bodies. From Earth we look for them and follow them, but most of the smaller bodies, up to 100 meters in diameter, are still an invisible threat to us . The greatest risk is those who do not reflect sunlight until they are very close to us to be detected, either because of their weakness or because of their position. The use of an infrared telescope located in an inner orbit could partly solve the scarcity of resources to make a more complete census of these bodies but, while this happens, we continue traveling around the Sun among a real swarm of these cars.

Exoplanets . We are living a revolutionary stage in the history of astronomy, since one of the most complicated observational barriers has been broken: the detection of planets outside our solar system. The Kepler space telescope has already cataloged more than 2,000 and some of them are similar in size to our Earth, and could hold life. In any case, do not look for many images of them because you will find them for us. Extrasolar planets are detected by the variation in the brightness of the stars or the movement of stars when the planets pass in front of them. We will have to wait for the new generations of giant telescopes that will be built in the next decade to see them directly.

Black holes . They are one of the greatest mysteries of nature. According to Albert Einstein’s theory of general relativity, they accumulate so much mass in such a small volume that they curve space and time in such a way that not even light can escape them because time is frozen on its surface. They have been detected by the radiation that emits the gas before falling in them or by the peculiar movement of the stars that pass by , but it is not known what physical laws govern what happens inside them. A promising way to study them is gravitational waves, detected last year in a special observatory called LIGO that measures the space-time oscillations that propagate when a large mass is accelerated. The sensitivity of these observatories has to improve much still, but they have opened the door to be able to look inside these ‘monsters’.

Recreation of stellar orbits around SgrA *, a supermassive black hole candidate at the center of our galaxy (Credit: ESO).

Dark matter . Its existence is only known because its presence is necessary to explain the movements of stars in galaxies and of galaxies in galaxy clusters. It is also essential to understand how light curves when it comes propagating from the first stages of the universe and has to cross large distributions of mass. Not interacting with light in any other way can not be directly observed, but it is estimated to be four times more abundant than all other types of matter that we know and composes everything we can perceive . All the attempts made so far to discover what it is about have been unsuccessful and its nature is still completely unknown.

3D map of dark matter through the data analysis of the Hubble Space Telescope./ ESA; Richard Massey

Dark energy Finally, I will talk about the most mysterious energy and, at the same time, the most abundant. It is estimated that dark energy makes up more than 70% of the total mass and energy of the universe . Taking into account that the majority of the rest of the mass is dark matter, this leaves in only 5% the relative amount of the matter that we know. Dark energy is again a theoretical requirement to explain why the universe is accelerating its expansion movement after the Big Bang. If it did not exist, the galaxies would slow down their expansion movement and end up attracting each other until they rejoin in a single singularity. However, this does not happen, which has made postulate to theorists the existence of a repulsive force at a great distance that would make the universe continue to expand endlessly.

Most of everything in space, from the smallest scales near our planet to the largest, which dominate the movement of all space, is full of unknown objects and yet to be discovered. Possibly we end up knowing what they are with the help of our improved eyes and our awakened minds.

February 11: a day to rescue our inventors from oblivion

February 11: a day to rescue our inventors from oblivion

Next Sunday, February 11, 2018 the International Day of Women and Girls in Science is celebrated with the aim of breaking gender barriers in the scientific field. One of these barriers is the low visibility of women scientists and the existence of stereotypes that make girls less interested than children by some disciplines such as physics and engineering, and that produce involuntary biases in the evaluation of the merits of investigators.

Among the many women invisible in the history of science and technology, are also the inventors and, among them, of course, the Spanish inventors .

On one occasion Voltaire said that he had met many very intelligent ‘scientific’ women, but no inventors. It seemed thus to deny them inventive capacity, something that has been perpetuated in the false belief of the incapacity of the women for the engineering. The historical facts show us the error of that idea: Josephine Cochran (dishwasher), Mary Anderson (windshield wipers), Rachel Fuller Brown and Elizabeth Lee Hazen (the antibiotic nystatin), Gertrude Ellion (the drugs Inmuran and Zovirax, among others), Hedy Lamarr (communications encryption and more) or Stephanie Kwolek (Kevlar fiber) are some significant examples.

Also here we have had and we have inventors for a long time. The first woman to register an invention was Fermina Orduña , who in 1865 patented a special car to sell donkey, cow or goat milk on the street . But I want to bring here the case of two inventions that, like their inventors, followed very different lots: the mop and the mechanical book.

It is customary to point out Manuel Jalón, in 1964, as the Spanish inventor of the mop (there had been a similar patent in the US in 1901). But Julia Montoussé Frages (of French origin, although avilesina of adoption) and her daughter Julia (Julita) Rodríguez-Montussé obtained, in 1953 , a patent many years before the aircraft mechanic. The Utility Model Patent No. 34,262 was called “device attachable to all kinds of containers such as buckets, buckets, cauldrons and the like, to facilitate the scrubbing, washing and drying of floors, floors, corridors, baseboards and rooms in general”. A name much harder to remember than the simple ‘mop’! Of course, if we examine the plans contained in the application, there is no doubt that it is a real mop.

Little is known of these women, beyond their kinship and the date of their deaths: the mother in 1971 and the daughter in 2005; or that they were from a wealthy family without higher education, which shows that creativity, inventiveness and concern for human situations (the fact that women had to scrub floors on their knees, day after day) can be a good incentive to find solutions

The other woman I want to bring to light is Ángela Ruiz Robles (1895-1975), a Leonese from a well-to-do family, with higher education degrees, a great innovative and creative capacity, and always concerned about improving the education of her compatriots. Prolific author (sixteen textbooks), her inventions were many and varied, but perhaps the most interesting was that of the mechanical book .

In 1949 he registered the patent No. 190.968, entitled “Mechanical, electrical and air pressure for reading books.” The lessons of each subject were separated into different sheets. When pushbuttons were pressed, they went up mechanically or by compressed air and the student could see the lesson. In addition, you could increase the size and even light up.

Subsequently, Ángela Ruiz Robles perfected the mechanical book by creating the Mechanical Encyclopedia , a device to improve the encyclopedias used by schoolchildren. It was patented in 1962 (nº 276.346), but although a prototype was built in bronze, wood and zinc, it was never commercialized. In 1970 she received an offer from the US to exploit it in that country, but she wanted the benefits to be especially for the Spaniards. Although there was some Spanish company that was interested in commercialization, the amount of money that the inventor had to contribute made it unfeasible. However, Ángela was well known in her time and received a lot of awards and prizes in various competitions of inventors and national and international exhibitions.

Two of these women are very different. The first ones, Julia Montoussé and Julia Rodríguez-Montussé, have been hidden like many other women in history , being replaced, as so many times, by a man. The latter was recognized at the time, but its achievements have also been obscured, although now it is recognized, at least in our country, as the precursor of the electronic book . Thus, one of the work rooms of the National Museum of Science and Technology bears his name.

What is albinism? The lack of pigmentation is not the correct answer

What is albinism? The lack of pigmentation is not the correct answer

We are walking down the street and we meet a young girl, with very white hair and skin and wearing dark glasses. We will probably think that it is an albino person who needs glasses so as not to be dazzled by the sun and should take care of his skin with protective creams. Most of us would unknowingly carry out this quick analysis and we would continue walking, without imagining that this albino person actually suffers from a severe visual disability so relevant as to be considered legal blindness; that is, the one that supposes a visual acuity inferior to 10% of the normal vision.


In albinism, the lack of pigmentation, which is what we all perceive, is not the most relevant. What is really disabling is the visual deficit associated with this genetic condition, which is not disease, although it is investigated and treated as one of the more than 7,000 rare diseases. Albinism is present in 1 of every 17,000 people, which means that in our country there are around 3,000 albino people . It is a congenital disorder caused by mutations in some of the 20 genes (of the more than 20,000 that we have in the human genome) that we nowadays know as associated with this genetic condition.

The 20 types of albinism have a very limited vision, with variations according to the type of albinism and according to each person. Now, not all people with albinism have that obvious lack or absence of pigmentation . For many years it was believed that the lack of melanin (the pigment we have in our skin, eyes and hair) was the cause of albinism. Today we know that the loss of pigmentation is a consequence of albinism that only appears in some types, but not in all.

Albinism and visual disabilities

People with albinism have various visual alterations that are the cause of their deficit vision. First, your retina has no fovea. The fovea is a tiny central region of the retina in which the vast majority of our rod photoreceptors accumulate; These allow us to clearly perceive shapes and colors to define objects and people when we look at them from the front. People with albinism only have in their central zone a vision similar to peripheral vision, which we usually use to “look out of the corner of the eye”. This is a very poor vision, with little definition, which allows us to respond to objects that move (we instinctively separate if we perceive that something is going to fall on us or our side), but it does not help us to appreciate the details. We could imagine that the retina of a person with albinism is like a sensor of a camera that has many fewer pixels, and therefore less sensitivity and resolution.

The genetic mutations that cause albinism are recessive. This means that a person to be albino must inherit two anomalous copies of their parents, one from the father and one from the mother. Assuming that their parents are carriers, that is, they carry an intact and an anomalous copy of the gene, in each pregnancy they will have a 25% chance that the son or daughter will be born with albinism. The exception is ocular albinism, called OA1 for its acronym in English, whose affected gene is on sex chromosome X. Males, having only one X chromosome (males are XY and women are XX), directly manifest albinism if they inherit a single anomalous copy.

Through animal models of the various types of albinism, many aspects of this genetic condition have been investigated. The results obtained in mice have allowed us to discover that the administration of several drugs could improve the vision of people with albinism. Human clinical trials will soon determine the scope of these investigations and, where appropriate, their eventual transfer to the clinic.

OCA africa 620x414

In Africa, in addition to all the above, people with albinism can unfortunately suffer harassment, persecution, kidnapping, mutilation and murder. Unjustifiable beliefs and witchcrafts presuppose good fortune to the possessors of parts of the body of a person with albinism, be it a hand, an arm, a foot, a nose or an ear, which causes continuous attacks and a black market of human fragments that it is necessary to denounce and fight to get rid of these atrocities. To this end, the UN instituted on June 13 of each year as the International Albinism Awareness Day.

In Spain since 2006 the ALBA association helps people with albinism and is responsible for providing couples with albino newborns with the basic information to understand what happens to their children.

William R. Hamilton: the child prodigy who emulated Archimedes

It is not usual for a 17-year-old to feel challenged to occupy a prominent place in the history of science. And even less that such a feeling ends up becoming reality, making true the old aphorism that only those who pursue their dreams with determination can reach them. This is the story of William Rowan Hamilton (1805-1865).

Hamilton was educated by his uncle James, a scholar in classical languages ​​graduated from Trinity College in Dublin. It is not surprising, then, that the education of young William had a special emphasis on language learning. At an early age, William’s incredible ability was evident: at age ten, according to his father Archibald, he knew and spoke, to a greater or lesser extent, Hebrew, Persian, Arabic, Sanskrit, Chaldean, Syriac, Hindustani, Malay, Bengali, Greek, Latin and several modern European languages. Given the gift of his son, Archibald hoped that in the future William would make a career with the prestigious British East India Company. However, arithmetic got in the way of the father’s wishes. William discovered that he was gifted not only to learn languages ​​but also for arithmetic calculations.

His uncle began to prepare William for his entry into Trinity College . There, in spite of James’ reluctance, Hamilton began to study different branches of mathematics and showed a special interest in the application of geometry to the study of the propagation of light. Since Euclid’s time, a geometric model of light had been used, postulating that light propagated as a family of straight lines, called rays of light.

Hamilton was not limited to studying what was known about the geometry of light but

Hamilton was not limited to studying what was known about the geometry of light but

despite his youth (17 years), aspired to create something new. He was fully aware of his intellectual value and preferred the natural sciences to humanistic studies, because, he wrote: “Who would prefer to have more the fame of Archimedes than his conqueror Marcelo, or any scholar of the classics, whose maximum ambition to be familiar with the thoughts of other men? […] The powerful minds of all times have united to elevate the vast and beautiful temple of Science, inscribing their names in imperishable characters; but the building is not finished: it is not too late to add a new pillar or ornament. I have not just reached the foot of this temple, but I aspire, one day, to reach its peak. “Such a position did not imply that Hamilton despised the humanities. In fact he always loved poetry, which he saw as the fruit of the same creative spirit that science emanates from.

His studies on optics boomed. In 1823 he wrote to his cousin: “In optics I made a very curious discovery”. Only a year later, Hamilton sent his first scientific article – entitled ‘On caustic’ – to the Royal Irish Academy . During the following years Hamilton would establish a completely original theory on geometric optics based on a new determining principle that he discovered and called “Constant Action Principle” . It was known that a family of light rays always has a surface associated orthogonal to all of them called the wavefront. Étienne-Louis Malus (1775-1812) showed that a family of rays with an associated wavefront continued to maintain it even though those rays suffered reflection in a mirror or a change of medium (what is called refraction). Well,

Hamilton’s principle of constant action established that the same ray family, when propagated by a system of lenses or mirrors, fulfills the property that all rays reach the surface of the wavefront at the same time . Figure 2 shows an illustrative scheme of this principle. The family of rays associated with the wave front W when refracted on the surface R is transformed into a new family of rays with the wave front W ‘. The principle that Hamilton discovered establishes that the rays A, B, C of W arrive at the points A ‘, B’, C ‘belonging to W’, investing for it the same time. This has very deep and practical implications in the field of geometric optics and therefore in the design of optical systems, such as cameras, telescopes, etc.

How to reduce your debt in 3 steps

Image result for debtHaving a debt can be overwhelming for many of us; Sometimes we can think that we can never get out of this bottomless barrel. However, there are strategies to get out of this problem, the most important thing is to start planning it right now. The faster the debt begins to decrease, the lower the cost of doing it and the faster financial freedom will take place. In the end, our income should serve to build wealth, not to pay interest. In Finerio we suggest you three steps to start your journey:

1. Have a global overview of your debts

Sometimes, we are worried about starting to visualize our current situation with regard to debts, simply because visualizing the realization can be painful. However, having an overview of our debt will allow us to choose the best way to reduce it. Then, you must list all the debts that are held in the present (with the exception of the mortgage), no matter the amount or the interest rate paid for them.

2. Renegotiate debt

Image result for negotiateSince we have a general picture of the debt, the next step is to try to renegotiate the debts with high interest rate with the institutions with which they contracted. Although this can be difficult with banks, there is a possibility that they have a new credit product that is more favorable or consolidate all the debts in which they have the lowest interest rate. You can also look for other credit institutions that can offer lower interest rates. It is only necessary to see that the opening cost and the penalties for paying the debt in advance (if they exist) are lower than the benefits obtained by the reduction of the interest rate.

In turn, different levels of government and many lending institutions have programs to eliminate accumulated moratorium commissions so that people get up to date on their payments and even eliminate debt if certain requirements are met. For example, Banco de México has a Fund for the Development of Human Resources (FIDERH) to finance postgraduate studies. If at the end of the postgraduate course work of teaching or research is carried out, the debt can be canceled.

3. Create a debt payment strategy

Subsequently, a strategy must be created that will allow the payment of debts in advance with time objectives: the faster we want to pay our debt, the greater the resources we will need to do so. There are two main methodologies:


a)       “Snowball”: Dave Ramsey, the guru of personal finance in the United States, popularized the strategy that consists of organizing the debt from the lowest to the highest amount to be paid as shown in the example:

Efforts are then focused on paying in advance the debt of lesser value, in this case it would be the family loan and paying the minimum on the others. Once this loan has been paid in full, the money that was used to pay the first loan is focused on paying the second loan with the lowest value, in this case television . This process continues until all the debts are paid in advance. The advantage of this strategy is that it allows you to palpate achievements instantaneously and thus motivate yourself to continue with the strategy

b)       “Avalancha”: the avalanche strategy consists in prioritizing the efforts in paying the debt in advance that has a higher interest rate, in this case the Automobile, and paying the minimum in the others. Since this debt is paid, focus efforts on the debt with the second highest interest rate, in this case the Family Loan and so on. Although this strategy may not have tangible results in the short term, in the long term the cost of the debt is lower since the debts with the highest rate are paid first.

For both strategies, you need to generate monthly savings that allow you to prepay the debt. The easiest way to generate these savings is by creating and following up on a budget, which can show savings opportunities. It should be mentioned that savings opportunities do not necessarily have to affect our lifestyle. For example, if we spend $ 70 every day on a coffee from some prestigious chain, we can invest in a $ 600 coffee machine and reduce spending to $ 10 per day. In 10 days we would be recovering our investment and we could start saving. However, if the debt is very large, it could require significant sacrifices such as selling the car where you have one of the debts.

There are some final recommendations:

• It is advisable to focus on paying debt first on savings except for a contingency saving in case there is an unforeseen

• You should try to acquire the least amount of credit in this time, since debt payment goals can be delayed or even never achieved

• The savings generated should be channeled directly to the payment of debt and not for other expenses It is advisable to do it at least every week to avoid forgetting

• Discipline and commitment are the most important in this process.

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The best loans of 1,000 euros or more

Image result for urgent

If you need to get loans urgently and you do not know who you can turn to, here is the solution. On this page we present several loans of 1,000 euros that you can request and enjoy within a period of less than 15 minutes and with a hiring process that you can carry out 100% online.


  • Main characteristics of the 1,000 euros loans
  • 3 types of loans of one thousand euros and higher amounts
  • 5 advantages of online credits of 1,000 euros
  • What are these loans designed for?
  • Requirements to meet to get 1,000 euros loans
  • Documentation to request mini-credits of 1,000 euros
  • Average price of loans up to 1,000 euros
  • Are there loans for high amounts without interest?
  • Will the lender grant me the 1,000 euros I need?
  • How long do the mileuristas loans take to arrive?

Main characteristics of the 1,000 euros loans

Until recently, if we needed money but we did not have savings, our only option was to go to a bank to request the amount that we needed. Although it is still one of the main sources of financing for Spanish families, the situation of our financial market has changed a lot during the last years and we have more options to get the extra financing we need without having to deal with banking traditional.

In this way, since the beginning of the economic crisis of 2008 there are many private lenders with which we can get loans of more than 1,000 euros with a fully online application process. This management process is much quicker and easier compared to that of banks, which will allow us to get the extra money we need so much in a matter of a few minutes.

On the other hand, we must know that the reimbursement period for mini – credits of 1,000 euros usually does not exceed 30 days , although there are specific lenders with which we can repay the loan in advance and interest, and even request extensions of up to 45 days . Also, with the 1,000 euros loans we will not have to contract any type of linked product or pay any hidden fees or costs of any kind.

3 types of loans of one thousand euros and higher amounts

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Bank loans are no longer the only products that we can turn to if we need a sum of money of around 1,000 euros. And is that in recent years, the number of lenders has multiplied, as well as the supply of available credits. For this reason, if we want to obtain financing, we can now choose between the following products :

  1. Minicréditos: with the minicréditos we will be able to obtain money of fast way through a process that is realized totally with a simple process through Internet. With this type of products we can even get loans of more than 1,000 euros in minutes, as they can grant up to 1,500 euros.

  2. Quick loans: if we also want money urgently but need more capital, we have the opportunity to get up to 50,000 euros with banking and non-bank financial entities. This type of quick loans, like the mini-credits, are characterized by their speed and the simplicity with which they are managed but can be returned in a longer period of time that can last between a few months and several years, depending on the amount requested.

  3. Personal loans: we will have the possibility of obtaining much higher amounts that can reach up to 60,000 euros to return in months or up to 10 years. Generally the loan application process of more than 6,000 euros is longer and requires that we present more documentation, although we can also find fast lenders. We will receive a response on the status of our application quickly, so we can have the loan income in less than 24 hours.

Depending on the use we want to make of the money and our own economic circumstances, it will be more convenient for us to opt for one kind of product or another. For example, if we want to quickly resolve a setback, a mini credit can be a good option, whereas if we need financing for a project, personal loans will be much cheaper.

5 advantages of online credits of 1,000 euros

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As the process for requesting and contracting most of the quick loans of 1,000 euros can be done through the Internet or by telephone, we can enjoy many advantages that do not offer most of the traditional credits:

  1. We will not have to physically move to an office of the entity

  2. It will not be necessary to perform long and heavy paperwork

  3. The request for loans with amounts of around 1,000 euros are made in just 10 minutes

  4. Due to its conditions, the probabilities of granting credits of 1,000 euros are much higher than if we request other types of personal loans

  5. We will not have to explain what we want to use the money for

In addition, some companies grant loans of 1,000 euros or more to people whose data appear in lists of defaulters such as ASNEF, RAI or EXPERIAN, although to obtain these credits it is necessary to comply, generally, with two extra requirements: first, that the debt is not related to a credit institution and it does not exceed a maximum amount that is usually 1,000 euros (although some companies accept debts of up to 2,000 euros).

What are these loans designed for?

Many loans of up to 1,000 euros are designed, mainly, to face unexpected incidental expenses that require an extra liquidity . Consequently, we can ask them if we are surprised by a setback and urgently need a relatively small sum of money in a matter of minutes. For example, we can use them to pay high bills that have gone out of budget, to finance the driver’s license, to settle debts, etc.

As we see, we can give them the use we want to the loans 1,000 euros, but always bearing in mind that these are loans that we will have to repay in the short term and that, if we do not repay them in the agreed time, we run the risk of becoming indebted and enter a spiral of debt from which we will find it very difficult to leave.

In addition, we must be aware that if we do not refund the credits of up to 1,000 euros correctly our data may be included in a list of defaulters such as ASNEF, RAI or EXPERIAN, with the problems that this situation leads to our possibilities of accessing financing when we need Extra money.

Requirements to meet to get 1,000 euros loans

As 1,000 euros is a relatively small amount, normally it is not necessary to meet very strict requirements to lend us that amount of money. The conditions of access to credit may vary according to the lender, although usually all of them will require the following:

  • Be over 18 years old (although the minimum may be increased until 21 or 25 depending on the company).

  • Be permanent residents in Spain.

  • Receive a stable, demonstrable monthly income that convinces the lender that we will be able to repay the loan 1,000 euros after the agreed period. These will not necessarily have to be a payroll, but we can also present income for unemployment compensation, for a pension, for a scholarship or for rents, among others. In general we will have to have a source of income higher than 500 euros.

  • Not have outstanding debts or be enrolled in ASNEF. If we are, the only way to obtain financing will be with the mini-credits with ASNEF.

Although, as we have said, this last requirement will vary among the lenders since with some we will have the opportunity to obtain credits with ASNEF (provided that our debts are not related to a financial institution, nor exceed the limit established by the entity).

Documentation to request mini-credits of 1,000 euros

Many loans of 1,000 euros are requested through the websites of financial institutions, so in these cases you do not have to submit many documents to prove that you are solvent. In fact, in general, during the procedures we will only have to prove our identity and our income so that the lender verifies that there is no identity theft and that we receive enough money to repay the loan. Let’s see what documentation must be provided for it:

  • A photocopy of our DNI / NIE or passport so that they can verify our data and that we are residents in Spain, an indispensable condition for obtaining 1,000 euros of loans.

  • Proof of our income as a payroll, a pension or a benefit that demonstrates that we can have sufficient liquidity to reimburse the total cost of the loan of 1,000 euros in the established time.

  • Bank statement so that the company can analyze our level of solvency.

Sometimes our identity, our income and our account number can be demonstrated quickly if the lender allows us to connect directly to our bank’s online banking. This is possible with the automatic identity verification systems that integrate some private capital companies into their service and that allow streamlining the application process.

Average price of loans up to 1,000 euros

The price of any loan is determined, to a large extent, by its interest rate. In the case of personal bank loans , this is currently between 6% and 10% , approximately, while in the case of private fast loans , it is usually from 3% per month . In both cases, the lender can charge us commissions or even connection expenses (insurance, cards, etc.).

But there are some products that deserve a separate chapter: mini-credits of 1,000 euros . In this case, the interest tends to be much higher, 1.1% daily on average , although commissions are almost never charged. Due to its high price, these loans should only be requested to solve specific incidentals.

If we want to know how much a specific 1,000-euro loan costs, we can find out in the credit comparison that we offer in this same portal . Likewise, most of the entities have simulators that will allow us to know the price of their credits.

Are there loans for high amounts without interest?

Image result for question faceYes As the Spanish lender entities are waging a kind of price war, some of them have launched to grant loans totally free (at 0% APR) to outperform their competitors. However, we must always be careful with this type of offer, because sometimes they can hide additional costs in their “small print”. Let’s see what precautions it is advisable to take depending on who offers us financing at zero cost:

  • Those managed by private companies : we can find some private equity companies that will allow us to get really mini-credits at zero cost. Usually it is the first application, which offers us loans of 300 euros and for which we will not have to pay a single euro in interest, commissions or expenses of any other type: if they grant us 300 euros, we will only have to return 300 euros .

  • Those managed by banks: we will find loans at 0%, but to know if a loan is truly without interest we will have to look at your interest TAE. Many times it is played with the offer of loans without interests when in fact they refer to loans to 0% TIN that usually include other costs in their price like commissions or linked products. On the other hand, if your APR is zero, we will not have to pay another type of hidden costs.

To assess all the expenses that can be included in interest-free loans, we have to carefully read the fine print of the contract and check whether, in fact, the loan will be completely free.

Will the lender grant me the 1,000 euros I need?

That they grant us or not 1,000 euros loans will depend on the results of the risk analysis of our profile made by the financial institution. Through this study, the lender can ensure that we will have the necessary solvency to return the cost of the loan within the agreed term.

Therefore, they will grant us our credit of 1,000 euros or more, depending on the result of the credit analysis that will consist of the following operations:

  • Our credit history : entities will check how many loans we have requested throughout our lives and if we have repaid them within the term, by consulting the Bank of Spain’s Risk Information Center (CIRBE). Clearly if we have a good credit history, our chances of getting loans will be higher.

  • Our history of defaults : from financial institutions will also check if we have unpaid loans by checking the database of files of defaulters in our country as ASNEF, RAI or EXPERIAN.

  • Our ability to pay : usually to check, the entity will want to know what our income is, as well as the expenses we have each month. In this way you can have a global vision of how much money we can allocate to pay the loan of 1,000 or more.

  • Our socio-economic situation : that is, if we have a stable job, how long have we been working in the same place, if we are married, children or someone in our charge, etc.

The speed of the risk analysis will vary depending on the type of loan that we have requested and the lender entity. In the case of private companies, we will receive a response almost instantaneously, since they offer loans of less than 1,000 euros and, therefore, their requirements are more flexible and take little time to evaluate the requests . On the other hand, in the case of more loans, we may not receive a response until after several days, unless we request a quick loan from a bank or private lender.

How long do the mileuristas loans take to arrive?

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It depends . If we talk about loans of 1,000 euros bank, the income can be immediate (in the case of pre-granted) or after two days and two weeks, depending on the hurry that the entity is given. In contrast, private equity companies are much faster and can grant us credit in just 15 minutes. Of course, if the client’s account is not in the bank with which the company works, the transfer of money may take up to two business days.

Therefore, if we want to get our money as soon as possible, we can consult the following free guide “When will the money come from your mini-credit,” where we will find information about where we should go based on our financing needs and our profile.

Is it better to pay in cash or with a card?

Is it better to pay in cash or with a card?

Cash continues to have many followers in Spain . It is not only the attachment for the paper money that the Spaniards may have, but the ease of accessing it . That is why it is not surprising the high use it has in our country. According to a study published in 2015 by PwC and IE Business School, 100% of Spaniards use it . However, the advance of the cards as a substitute for the metal is in crescendo.

At the end of the third quarter of 2016, there were 73.66 million plastics in circulation in Spain. Two thirds of which were credit. Taking into account that the population in Spain in the middle of last year was just under 46 and a half million people, the average is one and a half cards per inhabitant. And if we take into account that this type of means of payment is almost always in the hands of adults, the average is 2.3 plastics per person, point out from the card comparator and banking products .

In the absence of knowing the data of the last quarter of the year, it seems that 2016 was an exercise of changes in terms of means of payment . During the first three quarters of the year, the amount that Spaniards extracted from ATMs was lower than the amount of spending they made with a card in stores.

So, better in cash or with a card?

Image result for whichFrom the comparator point out that the difference in cost does not lie so much in whether the cash is used or the card purchase is paid, but in whether the purchase is paid in cash, either with a debit card or with money in cash, or if it is financed on credit. In the end, a debit card works like a wallet and only allows spending the money that the customer has in the account that is automatically deducted, similar to the payment in cash. However, swiping a credit card over a dataphone is synonymous with taking on a debt.

Credit cards allow you to pay for purchases at the end of the month or in convenient terms. If you opt for the last option, you will have to face an interest rate that is usually around 21% on average . Thus, the purchase of a product of, for example, 500 euros could cost that same figure if paid in cash, with debit card or credit card with payment at the end of the month or a higher amount if the payment was split. If we take as a reference a period of six months to settle the debt and a TIN of 21%, the cost of the operation would have been 31.06 euros. In exchange, instead of disbursing 500 euros at a stroke, they would pay 88.51 euros per month.

If you are going to opt for a credit card to alleviate the impact of a purchase on your pocket, the ideal is that, first, be free and, second, have an interest rate as low as possible or compensate a higher TIN with a bonus For example, while the average is around 21%, the ING Direct Credit Card has a TIN of 14.06% for purchases of more than 90 euros postponed to 3, 6, 12 or 18 months. Very below average.

Other cards have higher interest rates, but in return they return a part of the amount of purchases, which considerably reduces the cost of the operation. For example, the Bankintercard Gold Card returns 5% of the deferred purchases during the first year and 3% from the second. It is free, it has insurances incorporated and a TIN of 24%. Or the Vodafone Card of bankintercard also has an interest of 24% and, like the previous one, it is free, but in this case it offers 30 euros of discount in the invoice of Vodafone and, in addition, it allows to save up to 8% in each invoice based on purchases made with the card.

What impact does it have for banking?

63.5% of small Spanish businesses accept card payment , an increase of 11 percentage points compared to 2013, according to a MasterCard statement published in the middle of last year. “The main reasons why merchants offer this payment method are to facilitate sales (61.7%), convenience and simplicity in payment (57.3%) and to meet the demands of the customers themselves (50, 3%) “, point out from Mastercard.

There is no doubt that the convenience of being able to do without cash benefits both customers and businesses , but we can not forget that another of the big winners are banks. When the client postpones the payment of a purchase, it assumes a debt with the bank that will accrue interest in favor of the entity, which is a source of income for them. However, credit cards are not the only ones that report benefits to banks.

Any card payment reports benefits to both the issuer of the plastic and the owner of the POS that the merchant has. When a shopkeeper accepts a card payment, whether credit or debit card, he must pay a discount rate to the owner of the dataphone to accept the transaction and manage it through his POS. And the owner of the dataphone must pay an exchange fee to the issuer of the card.

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Do Choice You Secure A Boat Loan? Keep.

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