Calculate how to apply your loan for your retirement project

Retirement, beyond being only one stage, should really be considered as a project. How many years have you worked for it? How much sacrifice did it take you to get to that moment in life? The retreat should not be seen anymore as that moment when you stop working and you can devote yourself to rest.

Actually, this is much more complex. Why do we say that retirement is a life project? Because thinking and preparing for this moment must be a responsibility acquired from youth. Just to adapt psychologically to this process requires approximately 6 months, now imagine all the time it takes to save and make a list of activities that you want to perform.

The reality is that no one, at any time in their life while they are 20 years old, thinks about the things they will do when they are 65 or older. But neither is it about starting to plan what days you will go to yoga or painting classes, that’s the least of it. What we should plan are the administration of our money and economic resources.

Thinking about how you want to live this time gives us the opportunity to calculate widely and make a structured budget and as close to reality. Of course, if you found out about these benefits too late, there is also a way to optimize your resources and enjoy your retirement every day.

Having a loan in this stage of life can be very simple since many government companies have agreements with credit institutions. In the case of Credifiel, our loans are via payroll so we give you your money quickly. So you can apply it in:

Health: No matter how much money you have, in order to enjoy your retirement we recommend that 40% of the total, you invest in caring for your health. Medical check-ups, dentist, eye care and also psychological therapy, all these aspects are always necessary to take care to be healthy physically, emotionally and psychologically.

Travel: 30% of the total. We know that traveling often heals anything, however, we can not spend our entire budget on trips and travel memories. Of course it is important to do so, traveling frequently brings incredible benefits for health, however, it is also worth taking the trips calmly and enjoying them more for their quality than for their quantity.

Fun and entertainment: In this area, we refer to enjoy activities such as movies, theater, museums and some other things like the classes you would like to take. Although they are important to stay active and above all, to keep our minds busy, investing all of this 10% of your budget is enough. It is also not necessary to register for multiple courses and workshops at the same time.

Investment: Finally we come to a very important area, investment and entrepreneurship. Maybe 20% of the total is not much, but the important thing is to stay constant in this savings. Identify the areas and activities in which you would like to invest, remember that it is not always necessary to have a large amount of money to start an important project.

Now that you know the main aspects in which you must invest your loan, what are you waiting to request? Come to us and specify in which company you worked to start asking for the loan that will help you. 


More than 3.5 million Jews could ask for Spanish nationality

More than 3.5 million Jews could ask for Spanish nationality

 More than 3.5 million Jews around the world, half a million in Israel, could acquire Spanish nationality thanks to their Sephardic origin and the modification of the Civil Code that the Spanish Government approved on Friday. “It is a great measure and without doubt a recognition of our historical links with Spain 500 years after the Expulsion,” said Asher Moshe, born in Skopje, capital of present-day Macedonia (former Yugoslavia) and emigrated to Israel with eleven years. .

In a ladino parco and eroded by the years, Moshe hesitates to be asked by Efe on whether he will ask for Spanish nationality, because, he says, “he is no longer a mansebo.” “This is not so much for the old people as I, but for the young people,” he stressed about the possibilities that will be opened for thousands of Israelis if Congress endorses the bill.

On Friday, the Council of Ministers of Mariano Rajoy approved an amendment to the Civil Code to grant Spanish citizenship to all Sephardic citizens who request it and accredit such condition, which will also allow them to maintain that of their country of origin.

The Minister of Justice Alberto Ruiz-Gallardón

<br /><br />The Minister of Justice Alberto Ruiz-Gallard&oacute;n

stressed that in this way the Spanish society culminates the repair “of what had undoubtedly been one of the most important historical errors”, in reference to the Jews who were expelled from Spain in 1492 and that today they are scattered all over the world.

A list with hundreds of surnames that certify the Sephardic origin has already put many Israelis on the move in search of documentation to obtain Spanish nationality, and since Friday the main local media inform and give primary legal advice to those interested. And it is enough to open a local telephone directory to discover that the candidates are countless.

Calderón, Zoarez (Suárez), Toledano, Abarbanel, Moreli, Bejarano, Medina, Baruch or Abecasis are just some of the examples of Sephardim who now live in Israel, but there are also those of apparent Ashkenazi origin such as Bloch, Schlessinger or Sneor. In the latter case it is Jews who, expelled by the Catholic Monarchs, set course for the countries of central Europe, where their last names evolved.

Many expelled people also emigrated to the countries of North Africa and today they have surnames such as Buhadana, Abulafia, Amsalem, Esayag, Abutbul. “Only in Israel we are pulling half a million, and around the world could be about 3.5 million,” said lawyer Leon Amirás, whose grandparents emigrated from the Ottoman Empire to Argentina at the beginning of the 20th century.

For a few years now, embarking on the search for his Sephardic roots

<br /><br />For a few years now, embarking on the search for his Sephardic roots

Amirás tells how his grandparents sought the protection of the Spanish diplomatic authorities to emigrate, and he proudly exhibits one of the documents in his possession.

For him, the obtaining of the Spanish nationality passes mainly by a “sentimental question” and of “historical justice”, that, it emphasizes, “it arrives late for the sefardíes that the Nazis massacred in Salonica” during the Second World War. “It’s sad to think that this community never returned to Spanish lands (…) there were 48,000 and nobody is left,” he says.

The Sephardic Jews, whom Senator Angel Pulido (1852-1932) called “Spaniards without a fatherland”, are easily recognizable because they speak Ladino, a Castilian similar to Cervantes’ and which hundreds of thousands kept almost intact until well into the 20th century. XX.

Today there are few who know him, but the vast majority continues to respect cultural and religious traditions that were born, some of them, as early as in the Golden Age of Judaism in the Iberian Peninsula (9th to 11th centuries).

In that sense, Gallardón stressed that the Sephardim maintained

<br /><br />In that sense, Gallard&oacute;n stressed that the Sephardim maintained

not only the language but above all the conviction that they were still part of a Spain that had expelled them and to which not only did they not hold a grudge but they made me accompany them always” .

The granting of nationality to these Spaniards of yesteryear by means of an accelerated route, and not by “Nature Charter” or residence in Spain for two years, is to his understanding a “historical debt”. An argument with which Amirás fully agrees. “Some 700,000 Jews were expelled from Spain when all the remaining Judaism represented a smaller number, and this gesture (that of granting nationality) is as important as an apology, even more so,” he says.

However, Moshe, owner of a butcher shop in the center of Jerusalem, prefers “not to look to the past” because “since then many other tragedies have happened” to the Jewish people. “(The decision) is good for Spain and is good for everyone, and who knows, maybe it can serve both sides now, Spain lost a lot when it expelled the Jews,” he concludes.

“Governments could have done their homework better”

Saskia Sassen already spoke five languages.

Born in Holland (The Hague, 1949), she grew up in several countries and lived in cities such as Buenos Aires and Rome. Although for a time he gave war to his family because he wanted to go to study in Russia, at age 19 he went to the United States “with 50 dollars in his pocket, to adventure,” he says. And he stayed. She is a sociology professor at Columbia University and lives between New York and London, where she taught at the London School of Economics.

He has been studying society for more than 20 years, from the use of new technologies to terrorism, but above all, the political, social and economic dimensions of globalization. She says that she does not have the facility of her husband, the sociologist Richard Sennett, to translate her research into books. Each one spends years. His best known work was collected in The Global City (1991, reissued in 2001).

Her books have been translated into twenty languages, and she is required in many parts of the world to rethink the current world. He says that when he spends more than a day in a city, he falls in love with the place, and that he could live, to talk about two places, both in Kampala (where, in fact, he lived) and in Barcelona, ​​where he was this fall to participate in a World Bank congress. At the same time, what she shows how she is, she did not want to give up a talk organized by a small women’s organization, Col·lectiu Punt 6.

This must be an interesting time to do sociology, right? Does the world of the last century or a century and a half change?

This must be an interesting time to do sociology, right? Does the world of the last century or a century and a half change?


Indeed. A variable for me is the notion that some concepts that had acquired stable meanings, such as the economy, the government, the middle class …, in 20 years, but especially in recent years, their change has been sharpened, they have been destabilized . It is no longer clear what the national government is, for example in Spain, where they have so much interference from the European institutions. The same happens with the social. What is social today? Who has the capacity to build it? Because I think it’s done, it’s not an attribute that comes from groups, families, from the street. As we became a middle class society, this is the one that has benefited most from the welfare state, from the state that has a social project, not only military or infrastructure construction. We have become consumers of the social. But today, in this world that is destabilized compared to the meanings that appeared in the postwar period, what sectors build the social?

Which, according to you?

Which, according to you?


On the one hand, the elites, who are not the same as simply the rich; the elites have a social project. And the other agent is the poor. Not the poor stored in ghettos or slums , passive, but those of what I call working slums , be they from India or Brazilian favelas, those who have made their homes with their hands, have built a sub-economy, teach their children because they do not they go through the formal education system … They build the social bit by bit. When immigrants arrive in a country, some are reduced to doing nothing, but there are communities that do build a social fabric, a neighborhood economy …

Do you think that in the future it will be said that this time marked a change of era?

Do you think that in the future it will be said that this time marked a change of era?


Now it is becoming visible a process that in my studies I saw in the 80s: that we were going to a growing inequality. I saw that in a time that was gentrification (gentrification), where there was an old building was built a renovated and beautiful, great architects. So, many did not understand my work; today they say to me: “Now I understand what you were saying”. A visual order indicated the increasingly rich middle classes, new infrastructures and technologies, modernization. There was 20% of the population of the cities that became richer than they would have ever expected. I explained it as needing an intermediate sector of extremely specialized people, with a lot of knowledge (active intelligence), and it was a highly paid sector of the middle class, but at the same time there was already an impoverishment of the traditional middle classes. What happened was that the State still fulfilled all social functions, the unions were still in a position to organize and protect, and governments still believed that the middle class was the large sector to which they had to respond. That vision of prosperity was concentrated in the center of the cities, far from the ghettos. And it began to generate a lot of anxiety to the people who saw those young people with clothes and incredible cars while they became poorer and said to themselves: if everyone is doing well …! But the middle class was beginning to lose, little by little, like an old house that is beginning to fall apart.

In the 90s, there was enough in South America that the traditional middle classes, teachers, housewives …, were selling everything, their house impoverished inside, and came to go out to the street to protest that they did not have to eat. That’s where everything started. He asks me if we are entering a new era, and I say yes, all that has now become very visible. But I want to emphasize that this is a process that does not fall from the sky, because the euro does not work, because of the deficit of the states … No; one could already glimpse it years ago, when it seemed that everyone was doing well. Only that there comes a time of intersection with the financial crisis, with the practices of the states that had become indebted because they spend money, but also because the financial sector pushed them to do so, because it gave them what seemed like loans, but they were not. , were derivatives, financial products whose value is related to what happens to know where …

What until now has not been known.

There are municipalities in Italy, for example, that are bankrupt by loans whose value was derived by conditions far removed from that municipality. It crumbles a system that was not the invention of people or corrupt governments, that is very simplistic as an explanation, it requires a deeper and structural. A brief way of saying it is that it tended to financialize everything. It goes with capitalism to transform everything into something that can be sold; but financializing, transforming everything into a derivative … Your pension is no longer simply money saved; It is securitized and financialized. The first crisis of this type was in the USA. in the 90s in Orange County (California), where it suddenly became known that the pensions of the entire public sector were financialized and went bankrupt. There was a very big lesson to learn …

And was not learned?

And was not learned?


No. The same happened to Greece. It is an abuse, and the criminal – and I say criminal, I do not confuse terms – has a name: there are two: on the one hand, the rich, which includes people from the government, who took their money out of the country and did not pay taxes, and, On the other hand, the financial sector, which supposedly came with solutions. Goldman Sachs designed a financial product so that Greece could enter the euro, but at the same time, it developed another derivative to sell to other investors that would win if the government went bankrupt.

For 20 years, brilliant people create a complicated narrative that investors and politicians are buying, and they decide that it is such a complex matter that they leave it in the hands of the experts. Country after country, the executives – who have gained power vis-à-vis the legislature and a more ambiguous judiciary – create specialized commissions to manage finances, cede them the regulatory function. And who are the experts in finance ?, because the same financial sector. The same happened with telecommunications. Governments could have done their homework a little better.


Sparkle This Year That Is New With All The Payday Loans

You may have noticed many unexpected bills arising before you receive the next payment if you should be a school individual. Such circumstances, you could work in short supply of money to deal with these bills. At such occasions, online payday loans will be the option for you personally.

Encourage oneself to pay your debt off. Retain a chart on the fridge or by your table and keep track of the reducing bills. Viewing your debt slip before your eyes is a good way when tough days challenge your allowance to keep yourself on track.

The vital money crisis might be quickly met in only less than twenty-four hours of time. The mortgage amount offered underneath the online payday loans direct lenders in British amounts to 1,200 pounds. The income that is endorsed must be repaid in the time period of two-weeks or by the next payday of the consumers. Meanwhile, the customer can repay the rule amount plus some financing charges, that is incurred by the mortgage offering experts.

Ladies coastline more. In fact, the facts of the are based on that almost all of the women live longer-which ensures that so that you can assist retirement living ladies to need to fit more away.

If you so are afraid of mortgage rejection then and are working on bad loans you should blindly submit an application for payday loans online no credit check These short-term loans are available for you with no credit checks. You are merely needed to prove the next.

If you want money nowadays and have to apply for online payday loans direct lenders then one great gain you have is that the process is super-fast. Online payday loans direct lenders really are a really quick way to get yourself a loan.

Also, you’ve got to have a continual money, and it must be at least 1000 monthly or even more. As you will use your next paycheck to repay the innovations this can be primarily the equity for that mortgage. Ultimately, you have to become a US citizen and at least 18 yrs old.

A person might also apply for loans via the net at Below, a candidate needs to merely complete a request form on the website of the lending company with all details requested for. After the sort is filled, it is sent for confirmation. Usually, this entire process doesn’t consider over 24 hours in order to complete. In this way, you might get all of your desires satisfied with no tension.