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In some situations, fast money is needed, while you prefer to spend as little time and effort as possible to arrange this. Borrowing money from the bank often takes a lot of time: you have to make an obligatory appointment, waiting for confirmation of checks of blacklist data, for example. For your money on your bill, sometimes weeks can go by. Moreover, it is not even possible for many people in this way, because they do not meet all the strict conditions. For example, with most regular credit providers you cannot be registered with the National Bank, you must have all kinds of different documents and you can not borrow if you do not have a fixed monthly amount of income. This means that many people are excluded from a loan which can lead to unpleasant situations.

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Given the high demand for accessible loans of small amounts, an increasing number of loan providers are entering the market to make this possible. We see this trend mainly online. Online lenders have some advantages over regular lenders, including: 
– Easy possibility to take out a loan 
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– No blacklist testing, paperwork or another hassle 
– Receive fast money 
All this is possible because the risks of the loans are lower than with regular lenders. This is again caused by the fact that it only concerns loans of small amounts.

How much money quickly and easily take out a loan?

How much money is exactly understood by a loan of a small amount? Generally, loans are from 50 to a maximum of 1000 euros. So you can easily borrow 400 euros, 600 euros or 200 euros, but larger amounts above 1000 euros can pose a problem. However, it is sometimes an option to take out a loan from various online loan providers and to combine the money, although caution must be exercised here. In any case, you have the freedom to determine the exact amount of the loan yourself and you can decide for yourself exactly what you want to spend the money on. Taking out loan quickly and easily is therefore also for you!

Reserve pension fund celebrates last record high

The financial cushion of Deutsche Rentenversicherung has once again grown in the first half of 2014. 34 billion euros reserve are now in the pension fund. If it remains until the end of the year, the contribution for the statutory pension insurance would have to fall. This would be more than paradoxical.

After the so-called sustainability reserve of Deutsche Rentenversicherung (DRV) was already 31 billion euros at the end of 2013, the financial reserve was further expanded until the end of June 2014. With now 34 billion euros , the reserves are at an unprecedented record level . This reports the Handelsblatt, citing data from the DRV and the Federal Insurance Office. Compared to the same period last year, the pension fund has a total of 5.6 billion euros more.

Mega-financial cushion of the pension fund: pension contribution would fall in 2015

This sum corresponds to 1.85 monthly expenditure of the German pension insurance. If this level is maintained by the end of the year, the contribution rate for the statutory pension insurance would have to be reduced from the current 18.9 percent . The legislator then provides for a reduction if the pension fund’s reserves exceed 1.5 monthly expenses. However, this step would be very contradictory. Because of the pension package 2014, which includes, among other things, the mother’s pension and the pension at 63, the statutory pension insurance will be burdened in the coming months and years in addition billions. If the pension contribution falls in 2015, this would probably mean a drastic increase in the contribution rate for 2016.

Will the government again reduce the pension contribution rate?

So far, neither the Federal Ministry of Labor (BMAS) nor the DRV want to comment on a possible reduction in contributions. In view of the fact that the Federal Government had already prevented a reduction of 18.9 percent to 18.3 percent last year, a similar decision is expected this year. At that time the reason was that the Contribution Rate Act would ensure the “continuity, stability and planning security for the financing of the statutory pension insurance”.

Plus of 34 billion euros is eaten up by pension package

The reserves of the pension fund will probably not reach the current record level for a long time. Two factors are decisive for the renewed growth in the first half of 2014: On the one hand, the pension contribution has remained constant, on the other hand, the burdens resulting from the pension reform are only now taking effect. The pension package came into force on 1 July 2014. Only the mother’s pension, that is, the better recognition of the child-raising times of older mothers by another pension point, will in the future account for more than six billion per year. According to the Federal Ministry of Labor, the additional expenses for the statutory pension insurance in 2014 amount to about 4.4 billion euros, in 2015 already 9.0 billion euros.

Financial cushion of the pension insurance 2017 used up

Pension insureds can expect a decision only in the autumn. There are many indications that there will be no relief for them. On the contrary, you must even expect a higher financial burden from rising pension insurance contributions. The pension fund’s financial cushion will be nearly exhausted by 2017 at the latest – perhaps even earlier, should the economic situation deteriorate. By 2018 at the latest, either the financing of the pension package must be reconsidered or the pension contribution increased.

Councils of Bajo Guadalquivir hope that before the end of June the Government allows advances to pay payroll

Guadalquivir hopes that before the end of June the Government will arbitrate a series of regulatory changes that will allow the consistories to receive loans and long-term advances with a view to paying back payrolls of the workers and debts contracted with small and medium-sized suppliers.

The municipalities that made up the dissolved Municipal Association of the Lower Guadalquivir hope that before the end of June the Government will arbitrate a series of regulatory changes that will allow the consistories to receive loans and long-term advances with a view to paying back payrolls of the workers and debts contracted with small and medium-sized suppliers.

The vice president of the Board and counselor of Local Administration and Institutional Relations, Diego Valderas, has met with the liquidation commission and the municipalities of the Commonwealth of the Lower Guadalquivir, where he has underlined the good understanding between the administrations involved, that is, Central Government, autonomic, councils and municipalities, to resolve “in the shortest possible time” the outstanding debt of 42 million euros with workers, suppliers and other plaintiffs of defaults of the entity.

The president of the liquidating commission and mayor of Lebrija, María José Fernández, explained that of the 52 million owed initially, the Board has already assumed ten million euros for the sealing of the landfill that served Lebrija, Utrera, El Cuervo and the Heads, so that, according to Valderas highlights “the Board has been the first administration that has provided resources to save the situation.”

In this way, the current debt of the extinct commonwealth 


comprised of 11 municipalities, seven in Seville, namely Los Palacios y Villafranca, El Cuervo, Lebrija, Las Cabezas, El Coronil, Los Molares and Utrera; and four from Cádiz, that is, Sanlúcar de Barrameda, Rota, Chipiona and Trebujena- is 42 million, of which 8.5 million euros is debt and payroll arrears with workers, another 17 million euros is the debt with suppliers, while the rest is the debt with the Social Security and the Treasury or the reimbursements to programs not executed or not adequately justified, or debts with the banking entities.

In this regard, he commented that there is a good understanding, a “cordial entente”, between the central and regional governments to solve some regulatory changes that are necessary and that will facilitate, through the councils, the necessary advances to meet the payments.

He also explained that the Junta de Andalucía will grant to these municipalities, immediately, refundable advances charged to their participation in the State Income (PIE) and the Taxes of the Autonomous Community (Patrica), to face the pending payment with workers and suppliers and guaranteeing public services and the stability of these municipalities, until the state regulations are modified, according to the Government’s commitment.

This modification of the state regulations would allow them to carry out long-term credit operations for current expenses – they could only be granted, up to the moment, credits for investments-, with the endorsement of the taxes through the provincial councils, paying the debts contracted in a term of 20 years and in the best conditions “and without putting at risk the more than 270,000 citizens who represent these 11 municipalities or risk the basic services provided by these municipalities, nor the public employment involved in these consistories, with more than 4,000 workers among the 11 municipalities. “

For its part, the president of the liquidating commission of the Lower

For its part, the president of the liquidating commission of the Lower 

Guadalquivir Commonwealth and Mayor of Lebrija, María José Fernández Muñoz, thanked the Board that is next to the municipalities and has said that the liquidation is a “complex issue, difficult and worrying, “but has justified that” there was no other alternative to the financial situation. “

He recalled the budget reduction recorded in this extinct local entity and the “impossibility” of the municipalities to finance, so that “given the circumstances that each session had, there was no alternative but the dissolution.”

Fernandez added that the 11 city councils jointly assume the obligations with workers and small suppliers and thanked the “sensitivity” of the Government and Junta de Andalucía that will help us to assume the priority payments we have, in terms of compensation, payroll not paid and debts contracted with those who have served in these 20 years of commonwealth. “

He added that the commonwealth had a total of 450 employees, most of the students and recipients of programs with an end date but to whom the payroll of the last months is due. Of those, 60 were stable and indefinite employees. However, these 450 employees are owed compensation, scholarships, and payrolls for 8.5 million euros.

Fernandez has informed that the settlement agreement establishes a period of 60 days to assume the priority payments to workers and suppliers that have been working in the region for more than 20 years, and has specified that, thanks to the agreements that are being reached with The Board and the Ministry will be able to face this commitment with an advance of the PIE and the Patrica, while modifying the state regulations and allowing them to carry out long-term credit operations.

In the meeting on Monday were present affected municipalities and members of the ministries of the Presidency, Finance and the Department of Local Administration of the Vice Presidency, in addition to the councils of Seville and Cádiz, and it has worked on a plan of financing so that the municipalities have “financial oxygen” to be able to address the commitments with creditors and workers.

Valderas hopes to be able to give an answer before the end of next June

in no more than 35 or 40 days”, for which he expects agreement between the administrations to “facilitate the credits and loans and the adequate and necessary financing that makes possible to the municipalities to address this liquidation and overcome the problems. “

The vice president of the Board insists that “workers and small and medium creditors are a priority” and hopes that “good mood” between the Junta and the central government and the councils of the commonwealth “will come to fruition in the coming days.”

Valderas explained that the idea is to incorporate in the Law of Rationalization that is currently processed and that is in the Senate can be incorporated that amendment by authorizing these municipalities the formalization of long-term credits for current expenses, something they expect to be carried out before the summer.


Do You Be Worried About On Online Auctions

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Why Is Our Under Eye Dark Sectors Cream Not Working?

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What Exactly Is Currency Exchange?

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The value of your Forex trading investment increases or reduces because of changes in the currency exchange price or forex rate. These adjustments often result from economic plus political factors, such as the associated with oil or political unrest. To better understand how the trade rate can affect the value of your own Forex investment, this article demonstrates how to read a Forex quotation.

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There is no need to become a trading guru to make cash on Forex. Trading is merely following the rules that proved helpful in the past. That is why everyone may benefit from trading forex. Nevertheless, it is not a getting wealthy quick scheme.