How to earn fast and secure money with payday loans

If we are looking for how to make fast money, with the mini online loans we can get up to 750 euros in just 15 minutes and with a period of up to 30 days to return it. Compare among the best deals of the moment and discover how to get fast and save money without paperwork, without complications, and without changing banks.

How to earn fast and save money in minutes

With these payday loans, GT: it is possible to get money in just a few minutes. Our application and grant protocols are designed to offer their clients quick money. However, although these credits approve the request immediately and we will receive the money at the time they receive the signed contract, we can not always get the money in our account instantly.

This delay is due to the particularity of the transfers between bank accounts. Normally transfers of money between accounts of the same bank are made instantly, but transfers between accounts of different banks will take between 24 and 48 hours. Since the lenders do not have accounts in all banks in Spain, if we choose a lender who does not work with the bank where we have our current account, the money will take longer to arrive.

Who can help me make money fast and safe?

Unlike what happened until very recently, when the only way to get fast money was through our bank, we can now get fast financing through different channels. In the current financial scenario, if we want to know how to make money quickly and safely, we can go to the following entities that will allow us to obtain credits:

  • Banking entities: they are the most popular option and resorted by the majority of users. We all have an account in a bank, so one of our first options will always be to resort to them and see what they offer us. However, it can be more difficult to get capital quickly than in other companies, although if we are old clients and have a good track record, we can benefit from different advantages. For example, we can get money immediately through credit cards, payroll advances, etc. We can also have a credit without asking, through the pre-granted loans of the entities to their clients.
  • Private lenders: they are the kings of quick money. They allow us to obtain not very high amounts with more lax concession requirements than other entities and without the need to contract linked products in order to access them or change banks or have a minimum of seniority in the entity.

Before going to an entity or another, it is advisable that we inform ourselves about the conditions offered by each one and that we assess which of them best suits our needs. In this way, we can choose the one that suits us without fear of making mistakes. In addition, if we are attentive to the different offers and promotions that lenders usually launch, we can get their products for a much lower cost than usual or, even, free.

Is it safe to request money urgently?

Yes. Asking for fast borrowed money is very safe if we go to a reliable company that incorporates the relevant security protocols on its website. However, along with legal companies, several fraudulent organizations have recently appeared that try to deceive applicants with false offers, so it is important to be cautious with any lender that generates any doubt. To avoid deception we must take into account some factors that will help us distinguish legitimate companies:

  • A reliable lender will NOT ask us for money in advance: it is essential that we never send money in advance to any company that grants fast and safe capital. We may find ourselves with an entity that asks us for money in advance to cover, for example, “management expenses” or “attorney’s fees”. Either way, we will only have to pay once the repayment period expires and never before.
  • No company can remove us from a list of defaulters: if we come across an entity that assures us of taking out any file of defaults, the first thing that we will have to do is to doubt, since they can not do it. The only way out of ASNEF, RAI or EXPERIAN is to make the debt effective.
  • Verify that our data is safe: when we request quick and easy money on the website of an entity, we have to make sure that the data we enter will be secure and encrypted. To know this, we must look at two indicators: first, that the web address bar has a green padlock symbol and second, that the URL of the lender’s website starts with #.

Another action that will help us distinguish an official entity from a fraudulent entity is to seek opinions and experiences of other users. This way we will have references of other people who have already requested fast and comfortable money in them. In addition, we can go to the Spanish Association of Microloans and see if the entity we are going to is safe and includes the stamp of the association and, although not all the officers are, if we find one registered in the association, we will have the security that we are in the right place.

What should I submit to get fast and save money?

One of the great advantages that private equity companies offer us is that we just have to waste time on paperwork and the documentation that we are required to present is minimal. In addition, many lenders have included services to further expedite the request and grant of urgent money. For example, many have the Instantor application, which allows us to validate our data immediately. Each entity will ask for some documents or others according to their policies, although the vast majority will only ask for the following:

  • Identity document: DNI, NIE or passport. To know the age we have and make sure that we live permanently in the national territory.
  • Proof of income: an official document proving that we receive sufficient and regular income.
  • Bank statement: so that the entity knows what expenses and monthly income we have and what is our current account number to make the income.
  • An email address and telephone number: both communication channels will be useful to maintain contact with the entity throughout the application process.

These documents will be sufficient for the lender to analyze our profile and can decide whether to grant us safe and fast money or not. It is important that, before sending them, we make sure they are updated (that they are valid) and that the photocopies we send are perfectly readable or we will not be able to make fast money online.

How to earn fast and save money without payroll?

While it is true that getting quick and easy money on a day without a payroll can be more complicated since our revenues will precede an alternative source, fast credit entities will accept profiles of users who have a source of income with the following characteristics :

  • Sufficient: the income we receive each month must exceed the limit established by the entity, otherwise, they will not grant us fast and save money.
  • Recurrent: we must receive the income periodically, that is, an extra salary or, for example, a scholarship that lasts 1 month will not be enough.
  • Justifiable: the income we receive must be legal, that is, we need an official document of the money we receive each month in our account.

In the event that our income meets the requirements established by the lender, in principle, we should not have problems to make money fast and secure. However, it is advisable that we make sure before making the request that the company we are going to consider our source of income as valid. In any case, the most common profiles accepted by these companies are unemployment benefits, the salary of the self-employed, a scholarship, a pension or the rental of a home.

Payday loans no credit check in 10 minutes of up to 5,000 euros

A few years ago, it was impossible to get loans in 10 minutes , the complicated economic situation of the country and the rigid conditions of the banks. Currently, we can contact several private equity entities that will allow us to access loans in 10 minutes without paperwork 100% online.

Where to get loans in 10 minutes without paperwork?

When we decide to request a fast credit without paperwork, we have two options to which we can go, although both are offered by private equity companies, they vary in terms of the amount, term and interest. These are lenders who will not require us to comply with conditions as rigid as banks. Below we show two types of credits that meet these characteristics:

  1. Quick mini-credits: these are products with which we can get small amounts of money that do not exceed 1,200 euros. They allow us to access 10% online financing and dispose of the money in minutes. In addition, they accept a broader range of profiles than banks, for example, in some cases we can get liquidity even if we are registered in a delinquency file. Its cost is around 1.1% per day, so 100 euros lent to 30 days will generate 33 euros in interest.
  2. Quick loans: with these products we can access higher amounts of money, up to 5,000 euros. Like mini-credits, they have an application process that does not require paperwork and with which we can dispose of the money in a matter of minutes. The difference is that they allow us to repay the capital in terms of up to 2 years and its cost is not as high as that of the mini-credits, but it is more than the cost of personal loans.

Thanks to the application of fintech ( technology applied to finance) to the financial sector, entities have been able to integrate analysis and automatic response systems to gain speed and simplicity in their processes. Thus, once we have made the request, sent the documents and accepted the credit agreement, we will only have to wait to receive the money in our bank account.

The demands imposed by the banking sector regarding the granting of loans instantly have encouraged the emergence of more private capital entities. However, banks have also evolved in this direction, as they increasingly offer more quick loans with more lax requirements, such as, for example, payroll advances, even if they are not a new product, allow us to get the amount of up to 3 or more payrolls instantly, but if we decide to request a quick loan without paperwork and without being clients, we will have to go to private equity lenders. Their specialty is this type of products that are requested as fast as they are granted, thanks to the type of process they use.

Purposes of the loans in 10 minutes online

This type of quick credits have been created so that users can have the money in their account in minutes, once requested and without having to give any kind of explanation about the purpose for which they want to use it.

Having such a short repayment term, it is not advisable to use fast loans without paperwork as a usual means of financing. In fact, they are designed to solve specific problems of liquidity or emergencies that may arise with those that we did not have. These are some of the most common situations in which it may be advisable to apply for quick loans without paperwork:

  1. Fines: it is one of the purposes for which these products were created, since a fine is not something that, generally, we can foresee. It is an unforeseen event that can cost us dearly and even more so if we delay in paying it. Therefore, requesting an urgent credit can be one of the best options to pay as little as possible regarding the fine.
  2. Unforeseen events: the washing machine breaks down, we run out of refrigerators or we simply receive a bill for electricity that we did not have. In these situations, it is also advisable to request an immediate loan, as we will settle the problem immediately and avoid making the situation worse.
  3. Discovered banking: if we do not have sufficient liquidity in our bank account and we will receive a receipt that will leave us in the famous “red numbers”, we can request an urgent credit and prevent the bank from advancing the money. If we end up having a bank overdraft, we will end up paying commissions and interest to the bank for having advanced the capital and probably will be more expensive than an urgent credit.

In any of these situations it may be appropriate to request a loan in 15 minutes without paperwork, but before doing so it is important to know our economic situation to know if we will be able to repay the debt within the established period. If we are not sure, the best thing is that we do not request it, since we could enter into a debt spiral from which it will be very difficult for us to leave without the commissions that the lenders may include.

How to request urgent credits without paperwork?

The process of requesting the loans in 10 minutes without paperwork is very simple and brief. There are several factors that will make us receive the money sooner or later, but in most cases, we will only have to wait a few minutes. These are the steps to follow in order to access fast money without paperwork:

  1. Compare and choose between the urgent credits until finding the one that best suits what we are looking for.
  2. Select the amount of money we want and the term in which we will reimburse it.
  3. Fill in the online form with our economic and personal data.
  4. Send the documentation required by the lender.
  5. Read the contract carefully and, if we agree with the conditions, accept it.
  6. Wait to receive the money in our bank account.

Before performing all these steps, it is important that we make sure that all of our documents are up-to-date and that the information we send on the form is correct. Otherwise, the lender will reject our application and we will take more time to receive the quick money loan.

How much will I receive my fast online loan?

In general, when we ask for payday loans no credit check, companies will respond to us almost instantly and, in case of approval, they will transfer the money to us for a maximum of 15 minutes- Citrus North offers them too. However, on some occasions, we could take up to 48 hours to receive the money, as there are certain aspects that may delay the concession process.

What if I’m registered with ASNEF?

In the event that we are registered in a file of defaults such as ASNEF, RAI or EXPERIAN, our options for obtaining financing will be much smaller, especially in regard to personal loans of large amounts. However, if what we want to achieve are fast loans of small amounts, there are several private equity lenders that will allow us to obtain them.

In fact, some of these companies have launched their products for customers registered in delinquent files as a strategy to attract their attention and expand their customer base. In addition, these products include the same characteristics as the rest, that is, the same price, amount, term, and so on.

However, there is something that does change and there are the conditions for granting it since we have to meet two additional requirements :

  • First, that the debt for which we are enrolled is not related to any bank entity. That is to say, the debt can not come from any product issued by a bank, such as a fee for an unpaid card, a bank draft, and so on.
  • Second, that the amount of the debt is not greater than the limit established by the company. Generally, they are usually 500 euros, although we can find companies that set the maximum at 200 or 1,000 euros.

If we are sure that we comply with these requirements and with the rest of the general requirements, we can obtain loans in 10 minutes and without the need to fill in paperwork.


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.


"Beware of intermediaries who do not risk with you"

"Beware of intermediaries who do not risk with you"

This multifaceted menorquin always advances me headlines that will be published much later. For weeks now he told me about the third cross in a sovereignty consultation tolerated by Madrid. And it is that three crosses give more right to decide than two. In order to give content to the third cross, it is commented in the huddle that Euskadi would see its fiscal advantage reduced and that this margin could end up benefiting Catalonia and its new Tax Agency. Apaños that would be specified by a financing consortium-they take it all-with a confusing enough outcome so that everyone can show some profit and no one feels loser. Pareto himself would have blessed him. 
This is a country of sacred cows. And they do not usually move for the outsiders to pass. Another drawback is that I did not coincide in private schools with any elite. The advantage is that, for that very reason, I was not labeled as a member of any political family and I am supposed to be independent.

And you were a nerd.
I was an extraordinary prize in Law and Economics and I got my doctorate in York in Health Economics, from whose world association I finish the presidential mandate in December. We have founded several centers and masters in the Pompeu Fabra, where I am a professor, and I am an advisor for Europe of the WHO.

How did a peripheral get in among the five directors of the Bank of Spain?
Per peripheral share precisely, which is not written anywhere, but it is.

And your responsibility in the decisions of the bank has been central or peripheral?
Recapitulemos: before the crisis, the Bank of Spain was admired in the world, for example, by its anti-cyclical provisions.

Zapatero boasted of central bank.
But it is that ours is not being a financial crisis, but economic. In the United States, the financial crash drags the economy, but here is the collapse of the economic model that drags all the rest.

There have been times when the entire state seemed to collapse at once.
Because when other countries start to come out, we fall again. And that second fall is no longer resisted by anyone. After the resignation of Solbes, our risk alarms, which was already a systemic risk …

And Spain could end the euro …
… they are horizontal and political: Campa, Salgado, Sebastián, Zapatero … Fortunately, those alarms end up becoming vertical and we no longer go through the Moncloa, but instead go from the Bank of Spain to the ECB.

And what does the ECB say?
Ours was a crisis of boxes, not banks, detonated by the outbreak of the bubble. And we managed to agree with Frankfurt an exit in which the depositors were protected; not the shareholders. And also to the taxpayer. Because it has avoided the hose that some wanted; that is, cover the holes in the boxes directly with public money that we would have put all.

They give us nothing: they lend it to us.
Under very favorable conditions: the loan is made at 0.75 of interest -under inflation- and 12 and 14 years. Our European citizens have come to the rescue of all the Spanish follies of the bubble.

Why is it so difficult to avoid them?
Because there is so much liquidity, so much money in search of profitability, that the interest paid for it is minimal. That’s why the pressure to speculate with financial engineering is enormous. And we all want the maximum for our savings. From a fund of Bavarian pensioners to yourself.

Will we have learned something?
A blows, yes, of course. I think we have learned that we should not rely on financial intermediaries who do not risk anything in an operation they recommend.

But they always charge commissions.

In summary, I believe that when the Bank of Spain’s minutes are made public, our management will be revalued. The system has been rebalanced and the clean-up of the boxes has been done in a short time and with less than half of the 100,000 million ransom.
Its mandate is to control inflation. But, like all central banks, it uses the Taylor rule, and the result is that, as long as inflation stays below two percent, the ECB will not raise rates.

So, if I see higher prices, I prepare for my mortgage to go up immediately.
And with the ECB focused on curbing inflation, the other central banks must focus on avoiding systemic risk. For that reason, I hope that in 2017 my term ends, leaving a more solid system than what we found and with the European banking union already very advanced …

Will I have health when I retire

<br />Will I have health when I retire

Health spending will increase. What will not increase is the ability to finance it with taxes. Because, as a society prospers, it considers more benefits to be of primary necessity: for example, the second medical opinion or drugs on demand.

What health is the essential

<br /><br />What health is the essential

We would never agree on what benefits are, but we could agree to the procedure to decide what they are and those financed with taxes. Thus, the politician who changes them would be forced to explain why.

The tunnels of the M-30 were inaugurated with "safety deficiencies"

The tunnels of the M-30 were inaugurated with &quot;safety deficiencies&quot;

Samuel Romero Aporta has referred in the last session of the commission of investigation to the ” safety deficiencies ” and the deficits found in the work since the opening of the tunnels of the M-30 , which are being solved now with a ” zeroing. ” “The zeroing is to put the tunnel in the conditions that should be” when they were inaugurated, has pointed the councilor of Madrid Calle 30a questions from the socialist councilor Mercedes González.

The engineer of roads expert infrastructure has explained that he understands that there may be leaks in the work given its proximity to the Manzanares River but what shocks him is that “they start from the first day of infrastructure”, which has led to the closure of tunnels to be repaired.

When he arrived at the company he found an inspection plan that was only being prepared. The company, when it came to it, tendered to experts the improvement actions for each deficiency in a “zeroing to put the tunnel in the conditions that should be” since its inauguration.

Duplication of invoices

Duplication of invoices

The issue of the electricity bill has passed by the appearance. To questions of the councilor of Citizens Miguel Angel Redondo, Romero has answered that the list of administrative clauses determines the obligations of the society awarded the contract, which stipulates that it is responsible for the electricity bill. In search of the maximum legal guarantee asked Intervention, which indicated that this invoice should be the responsibility of the adjudicator.

Redondo has also asked about the duplicity of concepts in the various contracts and amendments, such as those referring to cleaning, maintenance cars, performances on the road signs, the 112 cameras paid but not installed (1.3 million euros) or the 1.5 million extra cost for weather stations that cost 700 euros.

In addition they are not in the infrastructure but only one installation and is located on the roof of the offices of the company. The sheets pointed to ten stations. “I asked where they were and they confirmed that there was not one in the tunnel, that there is only the control center of Madrid Calle 30,” he said.

Returning to the cameras, the councilor has emphasized that the installation does not correspond to what appears in the work certifications, which controls what is paid. The result is a disparate number among those installed and registered in a maintenance and inventory platform, which are reflected in these certifications.

“I have seen raised items in the work and in the final certification do not appear, besides not seeing them materialized in the infrastructure,” he assured. The actions carried out by the attorney-in-fact come through the opening of dossiers to demand the successful bidders to execute the works.

Asked about the management model, when going from a public one hundred percent to a mixed economy company, the attorney-in-fact has defended that another one different from the current one would not incur certain expenses, in relation to VAT and Corporate Tax, more the interests of the subordinated loan and the distribution of dividends so that the private partner, EMESA, guarantees the profitability of 7 percent. He has also advocated having tendered the works on one hand and conservation on the other to gain control.

To questions of the socialist councilor, Mercedes González, Samuel Romero has described as “security deficiencies in concrete things, which are being solved”. Thus, the attorney-in-fact has remarked that “the contractual obligation, under EMESA, to fix four M-30 firemen per base is not being met”. “That is not happening today,” he remarked.

Protest of the Fire Department

Protest of the Fire Department


The firefighters of the installation have concentrated this morning at the doors of the commission. They have done so to protest their employment situation in the face of the UTE’s refusal (formed by Ferrovial, Dragados and Imes API) to negotiate an “outdated” agreement that regulates the “hidden” emergency service that has been provided during eleven years, as well as the situation of the other workers who are responsible for the conservation of Calle 30, a staff is composed of 300 people.

Romero Aporta also mentioned that the inauguration dates of the different stretches of the infrastructures do not coincide with the reception of the works, which are “after the start-up”. Thus, he has given as an example the case of the south bypass, inaugurated in May 2007 but received in November of that year.

Another of the points addressed has been the audits. The attorney-in-fact has assured that he has had access to emails confirming that either the auditor or the City Council communicated to the company the sections to be audited “and if they seemed suitable”. “The audit is distorted because the infrastructure can be painted and dressed well” if warned, he has argued.

To questions of the councilor of the PP Álvaro González, the respondent has answered that it is subordinate to the board of directors, chaired by Sánchez Mato, and has insisted that his calculations raise the cost to 9,400 million, taking into account the model and the relative financial expenses to the infrastructure.

The opening dates of the different sections of the infrastructures do not coincide with the reception of the works, which are “after the start-up”