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Saturday has always been a special day in Balmaseda, particularly because the rectangular plaza that sits between the church of the city schools and the market was held. That day Cadagua down the channel of the residents of the surrounding villages to sell their leeks and potatoes. Down of the rock slab to sell their cheese and Villarcayo or Arceniega with strings of sausages and black pudding. That was before supermarkets Ambrosio Tere and turned them into shadows of a past trade was the essence of the town, its origin and rationale. From the Roman occupation and medieval his ubiquitous location natural pass between the plateau and the valley of Nervión, road and ports of the Cantabrian looking to Europe, made the trade was what gave glory and meaning to an enclave that otherwise never have become what it once was.

The Spanish situation is very different and few dates ago, this columnist had the opportunity to attend a forum where people very major thing and showers in the audience was overwhelmed by the economic crisis is only beginning to settle among us. A particularly lucid participant argued that, in the morass of confusion that overwhelms us, probably, would do well to listen to those who survived and even thrived during previous crises, which was and will remain. So, deep in this reflection, I reached the conclusion that one of the key components of the strategy articulated economic policy to confront the crisis of 92 was, how could it be otherwise, given the nature of that crisis the promotion of exports, embodied in three basic settings, such as three successive devaluations of the peseta, strengthening budget ICEX and the intensification of the financial instruments of export promotion. These initiatives allowed to practice a “remote Keynesianism” which, in turn, prevented the loss of jobs, then and now the key variable of economic policy in sectors, once as important as shipbuilding, engineering and infrastructure.

With its nuances, should reflect the extent of this crisis only serves to bring us back to times when, in the international market, lack of credit means determined that the availability of credit was another condition for export. If so, the reconstruction of the financial instruments of financial development is critical for maintenance, based on export activity, the activity in the real sector of the Spanish economy. Although already stated in another review, it should be noted that the basic axes of this reconstruction should be: Read the rest of this entry »

Consumer groups that campaign? Calling for changes that will be done when it comes into periodic payments made by credit or debit card by the consumer. Every year hundreds of people have sent a complaint to the Financial Ombudsman Service resulting from the difficulties they had to stop money from out of their accounts.

Many people make regular payments on debt or credit card for services they take, but often have difficulty stopping the payment of exit. With direct debits, standing orders and customers can only call the bank and a stop on the payment. However, with this excellent card payments cannot be done, and consumers usually have to rely on services from companies that have been made to stop taking payments in a timely manner.

Where? Officials said that regular payments on credit and debit cards should be easier to cancel, and consumers should have the same control as they have with direct debit and standing orders when it comes to cancel this payment. However, this does not happen, and as a result many people have taken payments on their cards for some time after they were officially supposed to cease to be taken.

The banking industry has said that it was not responsible for this contract and therefore has no control over the specified periodic payments between consumers and companies. Many consumers are under the impression that if they establish regular payment of their credit or debit card only to contact their bank if they want and then cancel the payments continue, but this does not happen.

Some believe that the payments are similar to direct debit and standing orders in that they can go in and cancel at any time, and many consumers have been surprised to find that they cannot actually do this. Even cancel the card and switch to the new one does not necessarily make any difference, as one customer recently discovered when he changed his name card and found that the insurance company with which he no longer using the service should still be able to take regular payments from their accounts.

Pregnancy is very happy news, but the good news is not uncommon to come “without a plan.” Has sufficient budget to finance the pregnancy to motherhood? However, what to do financial planning to welcome a new member in the family.

Make a cash expenditure of households in four titles, namely savings, installment debt (if any), insurance premiums and the cost of living. You can put a financial plan to fund pregnancy and childbirth in the postal cost of living, which is divided into two parts, the regular cost and expense incurred once. Routine costs are the costs that occur several times during pregnancy and after birth, such as health checks and support needs of content and supplements, teams from the mother and baby. While non-recurring expenses incurred is the cost of labor.

Setting the birth plan with your financial situation. You and your husband must really understand how their ability to pay the cost of labor. Focusing on the needs of mothers and infants and the safety of both. There is no need for prestige if it is unable to remain in the VIP room care or requiring well-known gynecologist.

Enter the purchase of consumer goods in the postal needs of infants. Usually pay for pregnancy or childbirth and after birth. Thus, the budget of monthly cash flow of the items of the cost of living.

Determine the scale of the highest priority needs and the needs of what the nature of support. After that, select the products with good quality and reasonable prices.

Prepare unexpected costs or a reserve fund to meet emergencies. Quoted 10% -20% of the total estimated cost of motherhood.