Provisional results of the Spanish participation in Horizon 2020 (2014-2015)

Image result for horizon 2020According to the available provisional results published by CDTI, Spanish entities have obtained a grant of 1,100.8 million euros from the Horizon 2020 Program in the period 2014-2015, which will result in an investment of nearly 1,300 million euros for develop R & D & I activities in our country.

By subsidy captured Spain provisionally occupies the fourth position in the ranking of countries, with a return of 9.7% EU-28 , behind Germany, the United Kingdom and France, so the results can be considered excellent, since they surpass both those achieved in the whole of the Seventh Framework Program (8.3% EU-28), as well as the ambitious objectives set for the whole of H2020.

In the coming weeks, detailed reports will be published for each of the areas / themes.

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How to save for your family vacation?

Image result for family vacation“In all conceivable ways, the family is a link to our past and our bridge to the future.” Alex Haley

You may be looking for last minute holidays to enjoy with your family or that you have already had, but there is a variable that does not change: the cost is always greater than the initial budget. Therefore we give you some advice in case you have to save in the coming months. There are certain measures that we can take for this and that will not cost us much effort, just dedicate them some time.

How to save for your family vacation?

  1. Watch your credit cards

We advise you to try to consolidate your debts and / or obtain a more advantageous interest for your credit cards. Another tip that we offer you is to leave all the cards at home except one or even cancel them, and stay with the one that has better conditions.

  1. Avoid eating out

For this we recommend that you take home food as much as possible, and reduce the expenses involved in going to restaurants and cafeterias. In addition, it has been seen that controlling the habit of drinking coffee in certain fashion chains, you can get to save a very substantial amount of money.

  1. Mount cooperatives

Lately these types of groups are being created given the advantages they offer us. Cooperatives can have different functions such as caring for children or making meals communally. The benefits that we can obtain are many:

  • Create affective and social ties within a community.
  • Create a sense of community and belonging.
  • Introduce children in a greater diversity of foods, adult figures of reference and ways of educating.
  • Save time and money
  • It gives us more peace of mind by being trusted people.
  1. Plan cheap vacations

Avoid going to hotels and, on the other hand, going on vacation with another family to share expenses can be two good measures to save on your vacation. Also, if you rent a house you can cut expenses on meals since you have the possibility of doing them at home. Also going camping can be a good option that also favors meeting other families.

  1. Buy intelligently

The biggest monthly expense in all households is food. In this area it is cheaper to buy wholesale and use coupons and cards that offer discounts. Also, it is preferable that you go shopping alone, after eating and with a specific list or planning and try not to leave it.

For other products such as clothing, baby equipment or furniture, go to second-hand stores or websites of used things. It can also be a way of saving going to outlets or to stores in the sales period, instead of in season.

  1. Control your budget

Plan in advance the amount of money you are going to use in fixed expenses such as food, clothing and household products, and put it in an account or envelope … This can be useful for you to have a budget to stick to and not spend more than the account. You can also use this system for other expenses such as leisure, mortgage, electricity or taxes.

  1. Find cheaper entertainment

In this sense you could consider renting movies or taking them from the library instead of going to the movies. There is also the option of going to the cinema in the mornings, early morning session or the days of the viewer to make it more economical.

Other forms of cheap entertainment can be organizing table games at home, going to events that are published on the Internet for free, or going to museums and exhibitions at a reduced rate.

  1. Cut out superfluous expenses

In this sense we can reduce costs in the following ways:

  • Using a single family vehicle and save on car insurance, gasoline, ITV …
  • Ask your company about electricity, water or gas in what way to reduce your payments.
  • Find phone companies that offer cheaper services or, within your company, cheaper options.
  • Practice sports in public sports areas instead of private gyms.
  1. Hire a family health insurance

When it comes to contracting insurance, it is better to centralize it instead of having each family member an independent insurance. This is because there is the possibility of having discounts on health insurance for families such as Aegon, where the discount is up to 15% on the insurance premium. It also has the advantage that, in case one of the members of the family requires private medical attention, it does not have to involve a very high cost, since not having private health insurance can eventually make us very expensive .

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What makes your transport team ‘burn’ more fuel

What makes your transport team

One of the causes for which the transport equipment can represent a big problem for the companies is the excessive consumption of fuel . Have you thought about how to correct it?


According to the National Energy Balance, the road transport in Mexico – of passengers and cargo – uses 10% of all the country’s energy demand, equivalent to more than 90% of the total consumption of fuel used by motor vehicles. Of that percentage, at least 26% refers to diesel.

Due to environmental, financial and safety issues, good fuel management in transport units is key.


Common mistakes in your transport equipment


  • Lack of driver training. Both in the handling of the vehicle and in the reaction to eventualities.


  • Active engine with stopped vehicle ( idling ). Leaving an engine with the vehicle stopped for more than three minutes affects its efficiency, useful life and increases maintenance costs.


  • Accelerations and speeding. Trucks traveling at 120 kilometers per hour instead of 100 kilometers per hour use 50% more fuel; they also emit 100% more carbon monoxide, 50% more hydrocarbons, and 31% more nitrogen oxides.


  • Over weight. It puts unnecessary stress on your vehicle’s engine and affects fuel efficiency. The elimination of at least 100 pounds of cargo improves mileage per liter.


  • Deflated tires. A properly inflated tire helps save up to two weeks of fuel per year. It preserves the vehicle’s braking system and extends the life of the tire.


  • Lack of maintenance. The implementation of a maintenance system should be a priority, but the reality is another one in Mexico: “only when they begin to be impacted in their sales by fallen equipment or excessively expensive corrective maintenance, do they realize the omission, and in many cases already it’s too late, “says Manuel Rios, supply chain manager at Federal-Mogul Holdings Corporation.


  • Fleet outdated: Whenever possible renews your fleet by more efficient vehicles in fuel consumption. Currently diesel engines are much more efficient and offer better results with current fuels such as ultra low sulfur diesel and biodiesel.


While the cost of capital for new vehicles seems to only raise overall costs, fleets that have been upgraded to new diesel vehicles report considerable savings in maintenance, fuel and productivity per vehicle. Remember that a car has an estimated life of five years.


If the time has come to renew or expand your vehicle fleet, consider the lease of transportation equipment as an option that will allow you to fulfill this purpose.


What benefits does the financial lease offer?


Monthly payments – as well as maintenance and fuel expenses – are deductible, in addition to avoiding decapitalization and allowing initial savings of up to 15% when purchasing vehicles by avoiding payment of enganches.


Crédito Real offers you the possibility of renewing your fleet by leasing transport equipment . Check with our advisors about the options we have for you.

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