The need for the International Day for Financial Education

Data from the Bank of Spain indicates that in the last 29 years the amount deposited in the banking entities of Cantabria has gone from about 1.6 billion euros in 1987 to over 8.8 billion euros. 2016, which demonstrates the need for financial knowledge and the International Day of Financial Education, which is celebrated today, October 3.

The various branches distributed by the autonomous community of Cantabria managed more than 30 years ago more than 62 million euros, from public administrations, some 473.7 from other sectors resident in savings deposits, and more than one billion euros in deposits the term, an amount that almost three decades later already exceeds, in total, 8.8 trillion.

In Cantabria, the number of credits granted has also increased

both to the public administration and to other resident sectors, from just over one trillion euros in 1987 to the 11.9 granted in March 2016, according to figures that collects the web of the Bank of Spain.

In view of the increase in deposits and credits of the last 30 years in the region, the decrease in the number of banking entities stands out, in fact, the autonomous community lost in 2011 the only Banco de España office it had.

The period in which the greatest number of credit institutions was in Cantabria was the period between 1998 and 1999, then there were 510 offices, compared to 422 that were recorded in March 2016.

In the last three decades, the number of deposit institutions has also decreased, from 485 to the 423 that currently exist (2016).

new financial tools and the latest technology, show the need for the financial education plan launched in 2008 by the Bank of Spain together with the National Securities Market Commission, and with that other institutions, private companies, foundations, social agents and financial entities collaborate.

The purpose of this financial education plan, which had a first “contact” until 2012 and will run until 2017, is to solve some of the problems that the financial crisis has revealed and that could have been avoided, or, at least, mitigate its effects, with a “better” financial knowledge.

It also seeks to facilitate the administration and distribution of resources of individuals, which is increasing “more complex”, because the increase in products causes consumers to face a “wide range” of options.

Citizens now are not limited to choosing between interest rates or loans, but the fact of saving or financing has become a task that needs training.

Hence the importance of celebrating the Day of Financial Education, teaching that aims to individuals understand financial terms, with which they will have to deal at some point in their lives, and yet now they are incomprehensible.

According to the Organization for Economic Cooperation and Development (OECD), financial education is the process by which “consumers improve their understanding of financial products, concepts and risks and, through information, instruction and advice, develop the skills and the confidence to become more aware of financial risks and opportunities. ”

The OECD also indicates that through financial education individuals are able to “choose, require help and adopt other effective actions to improve their financial well-being”.

their money more adequately in situations such as the acquisition of a home

their money more adequately in situations such as the acquisition of a home

the formation of a family, the purchase of a car or retirement, decisions with financial transcendence that oblige individuals to have a good financial culture if they want to take better advantage of the opportunities and achieve their objectives.

The Financial Education Plan is based on a series of principles that allow covering all financial products and services in all segments of the population, acquiring a public commitment from financial supervisors and cooperating among entities, maintaining actions throughout of time, and reach all sectors of the population according to their characteristics, needs and access channels.

Principles that also aim to provide the necessary tools and access, evaluate the work done to know its effectiveness, avoid overlaps in the measures applied, and that public and private organizations comply with these bases included in the plan.

During the first five years of the plan, various initiatives have been carried out

such as the design and launch of a page on financial education ( that allows citizens to train and plan their personal economy with tips on how to achieve of the month, advice to investor to know the offer of products and financial services that there is in the market.

Agreements have also been signed with different organizations and associations that have allowed the development of financial education programs in different schools, the publication of training and information material in “Finance for all”, training professionals to learn about financial education, or carrying out activities for young people, women, immigrants, retirees and people with disabilities.

With the implementation of this plan we want to promote financial education in the Spanish education system because according to the CNMV and the Bank of Spain, it will guarantee adequate knowledge so that future generations can face important challenges “when planning their savings for retirement and coverage of their health needs. 

Publicly Traded Mlm Companies Might Not Be As Good As You Think!

Improve Your Football Betting is a series of content that describes some popular and well-used record techniques that will help the football punter make more educated bets. Each of the methods provides its advantages and disadvantages and using all of them in isolation will improve the chance of winning. However, together they are going to prove invaluable in your fight with the bookies. In every article, we will describe in depth how a particular method functions are giving you enough information that you should go ahead and create your predictions. We will also provide you with info as to where you can already discover websites that use this technique within comprising their weekly football betting forecasts.

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Because methods of reinsurance this, large sways in prices, both down and up can be downright standard and if you are not willing or able to manage the psychological effect this might have on you, you’ve got to reconsider investing in this market significantly. In case you think this is the place for you. Personally, I’ve got a few here are some tips to assure you evaluate over-the-counter stocks and shares and I’m going to share these you in this article today.

Before subscribing to anything, you need to be confident of the few things. Insurance companies possess certain tricks up their sleeve to keep them making. After all, it still is a company, and they need to make money. Be familiar with specific fees that they will cost in the beginning of a plan. They might not call it an initial down payment, but they might be hiding this under some other term.

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It is said money makes the world bypass and it is quite hard to claim otherwise. Here is some exciting information about money that you might not know.

These types of cards make it possible as well as useful for gold to be used is a new global currency exchange program! Unlike commodity money is backed by gold, the physical precious metal will always have value.

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Which offers to our first question: elaborate in it for them? Make merely no mistake about it; they do generate when somebody enrolls within the program. But the better query is what’s in it for your investor, meaning you? When the lessons give you an explicit assistance with how to improve your performance and also earn a profit, is it even relevant that the online trading school makes a small income out of your back? Think of the expense is an investment that you can recoup when you earn money from the forex market.

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However, these types of low teaser rates are merely good for 12-18 months. However, Lending Team gears it is loans for you to good credit rating borrowers along with low debt-to-income ratios. And on leading of all that will, alternatives similar to crowdfunding are usually poised to spread out up entirely new avenues for your business seeking money.

Even the only thought of IDENTITY theft will be scary. SME bosses ought to realize that under-declaration of revenue impedes applying for and start for you to rectify this example to reveal their legitimate income. SAO PAULO (Reuters) instructions Credits Soleus Financeiras Ltda, a Brazil financial engineering firm devoted to secured customer loans, offers obtained $19 million through investors inside a financing rounded that will allow this to provide applicants with finances for one-fourth of whatever they pay to help domestic financial institutions.

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Typically the firms upon target to issue lines of credit worth INR 300 crore(US$47 million) at the end of the current fiscal year or so. That means it is an authentic installment chase unsecured personal loans loan, and you will be cutting your maximum stability with every settlement. For some time it’s been crystal clear that a significant number of us are ripped off on this cover. While you’re looking forward to property rates to drop, your current chance of receiving approved for your property mortgage loan may also be going down thanks to the TDSR (Total Credit debt Servicing Ratio).

After you have paid off the ‘massive’ debts, debt consolidation may be a suitable means to collate the rest of the impending debts. Debt consolidation loans are accustomed to replacing multiple debts (of different types) with one loan. The main benefit of a debt consolidation reduction loan is easy and efficient debt management.

“That strategy has sometimes proven to be very pricey because if can recessionary surprise, a lot of those financial loans do arrears, ” the previous global brain of credit debt markets on RBS says. Your dog soon discovers he’s been recently approved besides making his method to the Canaries. Another distinction is that unsecured personal loan rates are typically increased. For that reason, this site offers Seasoned Earnings, defined as often the Return about Notes elderly ten several months or more.

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Let’s make monetary literacy mandatory in our educational institutions and financial intelligence the sought after value. It’s period everyone had access to the data and tools they need to produce real freedom in their life. Join me in this objective, won’t you?