The Government cedes the ownership of seven hospitals to the Generalitat

The votes of CiU in the Congress begin to have counterparts

The Labor Commission of the Congress approved yesterday with the socialist votes and those of the Catalan group the reform of the law of Social Security that delays the age of retirement to the 67 years and that yields the ownership of the headquarters of the Institut Català de la Salut ( ICS ) and seven hospitals to the Generalitat de Catalunya.

The assignment represents a capital increase

for the Catalan public sector that the Regional Ministry of Economy valued at 1,200 million euros and incorporated this spring into its economic-financial rebalancing plan for the 2011-13 period. The Ministry of Economy and Finance did not then give its approval to this accounting, which will have value in the new version of the plan that should be approved in the Fiscal and Financial Policy Council to be held in mid-July.

But the most important thing in the short term is that the Government will be able to use the eight buildings to sell them and then rent them with an option to repurchase, as many private companies have done in recent years. The Generalitat estimates that the sale could report to its coffers between 300 and 400 million euros with which to swell the bulky public deficit that must be reduced urgently.

The ICS has been managing hospitalsfor over 30 years and paying maintenance, despite which they were still Social Security property. The centers that the Government will cede to the Generalitat are the headquarters of the ICS, located on Balmes street in Barcelona at the confluence with Gran Via; the Vall d’Hebron hospital, the Bellvitge hospital, the Josep Trueta in Girona, the Germans Trias i Pujol in Badalona (Can Ruti), the Arnau hospital in Vilanova, the Viladecans hospital and the La Verge hospital in Tortosa.

Although this concessiondoes not itself resolve the dispute between the Government and theGovernment for the payment of the advance of the competitiveness fund for this year, valued at around 1,500 million, it does imply an important rapprochement between the two administrations.

In addition, the wording of the amendment introduced


in the reform of the Social Security Law is broad enough so that no autonomous community can feel discriminated against. Although made at the request of CiU, the new law will allow any autonomy to claim ownership of Social Security buildings that are under its management. The spokesman of the PP in the commission of Work, Tomas Burgos, sent itself yesterday to censure that decision, because it considers that it will only serve so that the Social Security enters definitively in deficit.

While the debate on spending cuts focuses on the political debate in Catalonia and begins to emerge in other autonomous communities, Andalusia, the main fief of socialists and the community that benefits the most from inter-territorial solidarity, has announced that it will subsidize 1 , 2 million each month to the youth of the so-called ni-ni generation, because they neither study nor work.

The Junta de Andalucía is preparing the convocation of 3,000 scholarships worth 400 euros per month for young people between 18 and 24 years old. The condition is that they are unemployed and that they resume the studies they abandoned in the past. Those who have relatives under their care will have preference.

“Andalusia wants to recover talent and the best options for the future for these young people by offering them a second chance,” said Andalusian Regional Minister Mar Moreno. The initiative of the Board is copied from a proposal that the then president Montilla launched in the Catalan electoral campaign

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The sale of homes in La Rioja will grow 16% in 2017, according to Servihabitat

The sale of homes in La Rioja will rise in this year and will maintain its upward trend during the next year, specifically, with 17.9% at the end of 2016 and 15.9% in the following year, as shown by the third report on the “Residential market in Spain” carried out by Servihabitat.

Image result for la riojaLOGROÑO, 6 (EUROPA PRESS)

The sale of homes in La Rioja will rise in this year and will maintain its upward trend during the next year, specifically, with 17.9% at the end of 2016 and 15.9% in the following year, as shown by the third report on the “Residential market in Spain” carried out by Servihabitat.

Specifically, the estimate for 2016 is that the year ends in the vicinity of the 445,000 homes sold in Spain, which represents an increase of 26% compared to 2015. As for La Rioja, the volume of transactions will register a year-on-year growth of 17.9%, staying below the national average, with more than 3,000 purchases.

From Servihabitat, the forecast that is made for 2017 indicates a growth of more than 12% with which the 500,000 units sold in our country will be reached. On the other hand, La Rioja will present a growth of 15.9% next year, surpassing the 3,500 units sold.

Among the engines of this advance, the most important mortgage credit grant, the increase in investment interest, with housing as a refuge value against other assets, the stabilization of prices and the improvement of job stability stand out.

Regarding the type of real estate, second hand housing continues to be the driver of the increase in the volume of operations, with values ​​close to 70% of sales, maintaining new construction transactions at levels of 30%, both in housing usual as in vacation. Almost 72% of the properties have a price lower than 150,000 euros.

Analyzing the new construction market in Spain, highlights the growth of 31.4% of homes started at the end of this year compared to 2015, reaching 61,984 units. The forecast for 2017 points to a continuity in this trend, which would increase activity by 20% compared to the end of 2016 to 74,381 homes.

With an increase of 51.5% in 2016, La Rioja will end this year with the start-up of the construction of 561 properties, a figure that will grow another 59.7% next year, positioning itself as the autonomous community with the best outlook in 2017, although it is the one that presents the lowest absolute figures in terms of the start of new promotions.

In La Rioja, the volume of stock with respect to 2015 has been reduced by 10.9%, one of the lowest rates in all of Spain that will have left a total of 8,705 unsold homes in 2016. For next year, it is expected that the settlement rate of these homes will be 14.4%.

Although the real estate panorama in the city of Logroño has experienced a significant improvement over recent months and the levels of new construction stock are not significant, in the rest of the locations, the market remains more stagnant and it expects to continue like this in the future, while still maintaining a significant concentration of unsold promotions.

As for the residential stock per inhabitant, La Rioja is the autonomous community that presents the highest level with a figure that exceeds 278 buildings per 10,000 inhabitants.


Image result for priceAnother indicator that confirms the positive evolution of the market is the moderate growth experienced by the price of housing, which in 2016 stands at 4.6% over the previous year, and in 2017 it will increase around 4.3% .

La Rioja also joins this upturn, where the increase in the prices of real estate assets reached 9.5% year-to-year in 2016, the second highest in the domestic market, and, according to forecasts, another 6.2% will grow in 2017

The report prepared by Servihabitat Trends confirms the excellent opportunity to consolidate the rental in Spain. According to the data presented by the study, the volume of rental housing currently available in Spain is about 115,000, just over 10% of those for sale.

This offer is more abundant in coastal provinces such as Málaga, Cádiz or Alicante, and in cities with a strong student component, such as Salamanca. At the other extreme we find La Rioja, with only 400 rental properties available at the end of 2016, with an average price of 460 euros and a yield of 4.5%.

The last indicator analyzed is the total of purchases made in the country by foreigners throughout the year until the month of June is 18.4% higher than in the same period last year: 76,212 homes have been reached.

Six provinces account for 85.7% of acquisitions by non-residents: Alicante, Malaga, Almeria, Balearic Islands, Murcia and Las Palmas.

In La Rioja, the index of purchases from foreign capital is 7.5% in 2016.

Banking Association warns that criminals are leading in money laundering

Image result for Florida Association of International Bankers (FIBA)

Miami, Mar 10 (EFE) .- The “cooperation” between banks, governments and police authorities should be the strategy to combat money laundering in the face of the advantage these criminals have taken, David Schwartz, president of EFE, told Efe. the Florida Association of International Bankers (FIBA).

According to the executive, the new technologies used for the crime and the importance of “sharing information” to combat this crime that “affects international banking in the region” will focus the forum that FIBA ​​will carry out next Monday in Miami.

“At the moment we detect a type of money laundering, they (the criminals) are already in another sector, they are always one step ahead, they also have their own consultants, their own technology experts,” lamented Schwartz.

These issues will be analyzed during three days in the 18th Annual Conference against Money Laundering (AML) and Compliance of FIBA, together with the new threats implied by “the lack of transparency in the movement of virtual currencies,” he said. Schwartz

The event this year will feature an informal talk by Kenneth A. Blanco, new director of the Financial Crimes Enforcement Network (FinCEN) of the US Treasury Department, and 23 other sessions.

Likewise, it will present a case study on money laundering based on trade and also the use of technology to mitigate the risk of financial crimes, among other workshops.

Schwartz added that beyond the laundering of funds from drug trafficking, the meeting will also analyze other sources such as arms trafficking, human and cyber crimes, as well as the new tricks used by criminals.

Among them, he explained that the cartels are laundering money through gold imports and that other criminals are buying supermarket gift cards and then selling them online or exchanging them for others to “erase” the origin of that dirty money.

Other tricks, he said, is through commercial platforms over the Internet, such as eBay, where they offer “merchandise that does not exist”, which they themselves buy, and where “the seller receives the money already laundered.”

Schwartz noted that banks spend a lot of time, money and human resources, and that despite all that they remain in combat. “It seems we never got over the problem,” he said.

“It’s not easy,” Schwartz added, calling for cooperation among banks, governments, police authorities and even multinational companies to “share information.”

“If we work together, it would be easier to eliminate the problem, I’m not saying we’re going to eliminate them forever, but at least we can take more steps forward than we are now,” he said.

He explained that if the bank does not know that there is a criminal inside the institution, it is blamed by the US Department of Justice. or the DEA anti-drug agency, when the ideal would be to “work together to stop all those criminal gangs.”

Regarding virtual currencies, he stressed that “not being under supervision” lend themselves to any form of laundering of illicit money, including as rewards in cyber attacks, because “they do not leave a trace of the criminal”.

Effects of money laundering

Image result for money launderingAccording to FIBA, money laundering accounts for up to 7% of Latin America’s GDP and has devastating consequences for the economy, society and security of the region.

A good part of the participants in the forum will be representatives of banks and regulatory bodies in Latin America and the Caribbean, where, according to Schwartz, “progress” has been made in anti-money laundering, corruption and terrorism financing rules, but which still faces ” the challenge of effective implementation “, either due to lack of resources or changes of governments.

Regarding the financial industry of the region, the president of FIBA ​​explained that there is a great progress pushed by the regulations of the US bank.

“Given the requirement to work in dollars for imports, exports or wealth management, they have to work with US banks that have demands from their regulators, and they impose the same on correspondent banking,” he said.

For this reason, banking in Latin America “has made a strong effort to comply with the actions required by the American bank.” he added.

However, he said that the United States is vulnerable in the issue of money laundering due to the large number of banks, some 6,000, and money transfer companies.

For the country, “it is not a matter of illicit activity, but of ease of entering a financial system, we have so many points of entry here that it is more difficult to detect,” he said.

144 tariffs on the test bench: Is a household insurance required?

A household insurance is usually necessary for experts

A household insurance is usually necessary for experts

  • Household contents insurance is part of many households’ need to protect their belongings.
  • In order to find the best protection, the consumer advocates put 60 insurers through their paces in a new test.
  • Since above all the place of residence as well as the achievements decide which tariff convinces, an individual comparison of several offers is recommended.

Burglary, bicycle theft and fire were among the most common reasons for claiming home insurance in 2016. Because this comes up for such damage. However, some insurers refuse to cover the costs if the insured acted grossly negligent, for example by not closing the front door or leaving a window open. Especially older contracts provide for a reduction in benefits in such cases, warns Stiftung Warentest in a new investigation.

Therefore, according to their most recent test, it is not only necessary for most households to take out household insurance. Rather, insured persons should then regularly check whether the price and benefits are still right .

For the current financial test (04/2018), consumer advocates have examined 144 tariffs of 60 providers. Only tariffs that pay for gross negligence were taken into account.

Household insurance in the test: Depending on the location various top rates

Household insurance in the test: Depending on the location various top rates

Stiftung Warentest has adopted two model households for the current household contents insurance test in order to compare the various tariffs in the best possible way. In both cases, a 45-year-old man owns a 100 square meter condominium in an apartment building. In the first case, the apartment is located in a district of Munich, where the risk of burglary is rather low. The tariffs are therefore usually cheap. In the second case, the insured lives in Cologne in a region with a high burglary risk. Insurers Medien, Schwarzwälder and Docura offer comparatively cheap protection for both cities.

A closer look at the results shows that the costs for home contents insurance in Cologne sometimes fluctuate by several hundred euros, depending on the tariff. So the difference between the most expensive and the cheapest tariff in the test is 385 euros a year . With contributions between 131 euros and 167 euros annually, insured persons can secure their household effects in Cologne at these five providers in a particularly cost-effective manner:

  • Ammerländer – Comfort
  • The Liability Insurance Fund – Simply Better
  • Media – Premium
  • Black Forest – Exclusive Fair Play Direct
  • WGV – Optimal

All rates include bicycles up to a value of at least € 1,000. However, the offers do not contain any protection against natural damage, so that a supplement to the household insurance is necessary if necessary.

Service: As the test shows, there are big price differences between insurers. Interested parties can therefore sometimes save several hundred euros if they compare the tariffs of different providers and opt for a powerful, yet affordable offer.

Comparison to household insurance: view of the place of residence necessary

Comparison to household insurance: view of the place of residence necessary

Some of the top rates have changed from the autumn 2016 consumer organization’s latest Consumer Discretionary Review. However, the contribution level has largely remained stable, according to the experts.

To find out how expensive home contents insurance is, it is necessary to take a look at the benefits and the place of residence of the insured person. After all, insurers have defined various risk areas in Germany . The greater, for example, the risk of burglary, the more the security for the household costs.

In the household insurance, a sufficient hedge is necessary

In the household insurance, a sufficient hedge is necessary

For many insured changed the equipment of their apartment over the years. So they often put themselves a higher quality housing than at the conclusion of the insurance. For household contents insurance, it is therefore usually necessary for insured persons to always keep an eye on the scope of benefits . Otherwise, there is the risk of being underinsured in the event of damage and thus not getting enough money from the insurance company to replace the household effects.

The guideline for the sum insured is 650 euros per square meter. In general, this amount is sufficient. Nevertheless, insured persons should assess briefly whether they can replace their entire household contents in case of emergency. If this is not the case, the sum insured should be set higher.

What is the commercial acidity of a vinegar, is it the same as the oil?

Vinegar acidity

I do not know if you have noticed the detail but for a while now the vinegars that we acquired or that are placed at our disposal in a hospitality service include the data of their acidity (or should do it, because it is an element of obligatory mention) .

Often, given that this product is usually combined in its use with that of oil (which sometimes also offers a data referring to its acidity) it usually generates some confusion since one acidity (that of vinegar) and another (for example that of an oil) have little to do with it. And its measurement is also done differently.

Acidity in the vinegar

<strong>Acidity in the vinegar</strong>

In Royal Decree 661/2012, referring to the quality standard for the production and marketing of vinegars, it is stated that the acidity or degree of acidity of a vinegar is expressed as the grams of acetic acid contained in 100 mL of said product . The data may be accompanied by the symbol “grade” (º) in superscript or in the form of a percentage (%) and as stated in article 11 of this RD it is a mandatory information.

Acidity in food

<strong>Acidity in food</strong>

In general, it is necessary to consider that in food, whatever its nature or origin, the degree of acidity indicates its content in all the free acids of the food and is expressed on the basis of the most characteristic or most of them, data that only Sometimes it has a direct relationship with the known pH or hydrogen potential. This value, that of the pH is only applicable to aqueous solutions. Thus, in the case of vinegar its degree or percentage of acidity (I have already said that it is the same) it will have a direct relationship with its pH, but not in an oil since it is an oily solution. To understand the concept of pH in food in a few words I suggest you follow this link .

To make this fact more understandable, it may be useful to know that in other foods , unlike vinegar, that acidity (not pH) will be expressed based on the acids of each food . For example: the acidity of a juice is usually expressed by virtue of its citric acid content; the one of the milk by the one of lactic acid, et cetera. And in the oils …

Acidity in oils

In the case of oil (regardless of its origin) its acidity will be defined by the amount and proportion of free fatty acids in unit volume . These free fatty acids come from the hydrolysis of glycerides. The percentage of free fatty acids (and therefore of acidity) in oils is usually calculated in relation to the fatty acid with the highest content of that oil , the most typical being oleic acid. However, in certain oils such as coconut, palm (and others) it is expressed on the basis of lauric and palmitic acid respectively.

However, unlike what the vinegar standard says , in the case of oils the mention of acidity is not obligatory in its labeling. Moreover, the inclusion of this information in the case of oils is discouraged by the European Union to the extent that the following is said in Commission Regulation (EC) 1019/2002 on the rules for marketing olive oil. :

The acidity, mentioned in an isolated way, makes us think falsely of an absolute quality scale that is deceptive for the consumer , since this criterion only corresponds to a qualitative value within the set of other characteristics of the olive oil in question. [consideration nº9]

So among the data that optionally , never mandatory, have to appear on the labeling of olive oil is that of acidity … but with a clear consideration: this data may be included as long as it is accompanied by others , now , of obligatory form. That is to say, the degree of acidity is yes, but if it is mentioned, others such as the peroxide index, the wax content and the absorbance in the ultraviolet will have to be included. This is mentioned in Article 5 regarding the optional information present in the labeling of olive oil:

The indication of the acidity or the maximum acidity may only appear if it is accompanied by the indication, in characters of the same size appearing in the same visual field, of the peroxide value, the wax content and the absorbance in the ultraviolet, determined in accordance with Regulation (EEC) No 2568/91

Oils and acidity

A circumstance that I have rarely seen fulfilled according to this norm . In the few cases of olive oils that still contribute today the data on acidity offer, in most cases in isolation … I am convinced, sadly, that this type of maneuvers respond to the interests of who do so trying to take advantage of the general lack of knowledge about this fact and the unfounded popular legend that gave greater acidity in the higher acidity to a greater intensity in the flavor and to those with lower acidity a greater “softness” organoleptic. A myth that still exists today and that seems difficult to eradicate.

Although it is true that the physico-chemical qualities of an olive oil determines to a certain extent its organoleptic qualities , especially its profile of fatty acids (oleic, linoleic, etc.) and volatile compounds (esters, aldehydes, ketones, alcohols, etc.) .); and that from the transformation processes of these lipids (lipolysis and lipooxidation), free fatty acids and peroxides are formed (increasing the acidity and the peroxide value, respectively) with which the organoleptic properties will be modified , including those affect their “intensity”. Although it is true, as I say, that “intensity” depends on multiple variables , many of them associated with the variety of the olive, degree of maturation, and so on. That is, although the organoleptic qualities especially those related to the intensity of flavor and aroma depend on several factors and being the acidity one of them, this is not or is usually the unique element and defining element to endow it with that intensity. Without going any further, we have that most of the Extra Virgin Olive Oils (AOVE) that are awarded annually as the best EVOO of the year (and many of them provide an “intensity” that pulls back) tend to have an acidity 0.2 … and even 0.1; always, of course, according to the norm, below 0.8.

On the controversies in this regard, I suggest you visit this link where it is wonderfully explained why and why not the issue of the presence of the acidity data in an EVOO or in a “normal” olive oil.