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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How to make money taking a loan

Do you know how to use the credits in your favor? If the first thing you thought was “Yes” because they allow you to acquire things that you have always wanted or pay the debts that you have dragged during some years of your life, unfortunately, you are in a serious error.

When you have the money of a loan in your hands and the objective is to pay the debts, many times we do not know that before liquidating them completely, you can make that money in a way that gives us more than one benefit.

In other words what I mean is that a loan should help you achieve a goal and also bring extra benefits to your life. There are many ways to get the most out of your credit money, so, from the moment you have it you will know what the next and best step to give will be.

Invests the money in cash: If your debts are with the bank and you have a credit card, then before paying it off completely you could use the cash to put it into an investment account and leave it for some time there, as appropriate and the debt allows you.

Of the accumulated yield you could withdraw apart and as you grow, repeat the process every so often to obtain better profits.

Make use of the reward programs: Before paying off your debts or using the credit to give the hitch of a car, investigate what are the benefits you could get if you increase the amount of money you are going to give.

If they do not offer you some kind of reward, then do not use all the money from the loan in a single objective. Always look for the way and the best place to invest your money in something that gives you higher returns.

Find out about loyalty programs: If all your purchases are made in the same departmental store, then take advantage of your loyalty!

Remember that companies should offer some kind of benefit to their customers to avoid them leaving with the competition, many times this is through refunds or points that can later be exchanged for other products. Do not waste them and on the contrary, take care of their validity.

Beware of annual interest: Check if the person or institution with which you have the debt will charge you some type of annual fee. In the case of credit cards all have this cost, however, you can also eliminate it under certain requirements that if you meet the letter, it will be very easy to get rid of it.

You must investigate the type of benefits that you can obtain in each of your punctual payments, so, if you use your credit to settle your accounts you will most likely get discounts. The best way to take advantage of the money from your loan is through the investment and the minimum interest payment.

It is also important that you determine the objectives to be met with this loan and that you always have a percentage to invest, so your money will never stop generating returns.

Negotiating your debt consolidation by yourself

Most Canadians feel a lot of pressure to manage their finances as best they can. Currently, the average Canadian consumer debt is just under $ 30,000. It is not surprising that in response to this, Canadians are trying to reduce or eliminate their debts before they become too high. Most people are familiar with traditional debt relief options, such as debt consolidation and financial tracking, but many forget an alternative option: debt settlement.

Debt settlement 101

The idea behind a debt settlement is to negotiate with your creditors and repay your debts in full but for less than you really owe. For example, you could negotiate with a certain creditor to pay them back $ 1,000 instead of $ 5,000 and they would report that debt as being paid.

Negotiate for yourself

When it comes time to settle your debts, you can take two paths: the professional way or the way Do-it-Yourself. Both work, but it is important to evaluate your situation and decide which is most beneficial for now and in the long run. In general, we recommend meeting with a professional before deciding to negotiate with your creditors by yourself. But if you ever decide to go DIY, here are some tips.

Follow a map

Settling your debts as quickly as possible should be your priority, the longer you wait, and the less understanding your creditors will be. You should aim to have completed the process within one year and at the longest, two years. You will have to evaluate your finances and decide how long it will take you to collect the money. With a debt settlement, creditors generally expect a lump sum payment and rarely accept smaller payments.

Know what the cycle of your collection agency looks like

Most creditors have their respective ways of handling overdue accounts, but generally, an overdue account goes through a cycle that looks like this:

1 Amortization extending to approximately 180 days past the due date

2 Sending to collection agency

3 Sending to a law firm

Understanding your collection agency’s cycle will help you better understand where your outstanding accounts are located within their system.

Find the necessary money

Once your debts are negotiated, you will still have to repay some of them, so you have to find a way to have a lot of money available. Saving and changing one’s lifestyle are two possible ways, but depending on your situation, it may not be enough. You could sell some of your assets that are not used or just not necessary. This includes: vehicles, motorcycles, boats, recreational vehicles, antiques.

Manage your emotions

Negotiating your debts by yourself can be difficult but know that you have to manage your emotions. Imagine it’s a business contract and not your debts. Do whatever it takes to manage your emotions.

Manage collections agency appeals

Depending on the number of overdue accounts you have, you could receive dozens of calls per day from collection agencies. Do not let these calls override your plan; use the available technology to better manage them. Send these calls to another line or directly to your voicemail, so you can listen to messages peacefully and call back at a better time for you.

Put your paper debt settlement plan on paper

No matter what arrangement you arrive at, you have to put it on paper. Especially when it comes to negotiated arrangements over the phone.

The benefits of a professional debt settlement

Debt settlement has a lot of benefits but it is not the only solution available to people in need of debt relief. A professional will evaluate your situation and you will find the best solution, whether it is a debt settlement or something else. Among others:

  • Debt consolidation
  • Financial follow
  • Consumer proposal
  • Personal bankruptcy

When negotiating a debt settlement, creditors will usually try to extract as much money as you can. Without the help of a debt negotiation expert, you could pay a lot more than you need to settle your debt. You can try to do it on your own, but with the help of a professional, chances are you’ll come to a better deal and pay less in the end.

Talk to a professional today

If you are currently looking for information on debt relief methods, Dedebt 🈹🈹 cheapest debt consolidation loans can help you. We work with thousands of Canadians who, like you, need help with their debts.