The 20 richest Spaniards have as much money as the poorest 30%, denounces Oxfam

  • The wealth of these 20 great fortunes increased 15% in the last year, according to the study 'One Economy at the service of 1%' of Oxfam Intermón.
  • However, the wealth of 99% of the Spanish population fell by 15% in the same period.
  • Spain is one of the countries where inequality has increased the most, almost 10 times more than the European average since the beginning of the crisis.

Twenty people reached a net worth of 115,100 million euros in 2015 in Spain , which is equivalent to the wealth that concentrates the poorest 30% of the country (13.98 million people), according to the study One Economy at the service of 1% by Oxfam Intermón in which it denounces the "unbearable levels" that inequality is reaching in the world, and also in Spain.

The wealth of these great Spanish fortunes increased 15% in the last year, while the wealth of 99% of the Spanish population fell by 15% in the same period . Spain, according to Eurostat data, is one of the countries where inequality has increased the most since the beginning of the crisis, almost 10 times more than the European average. Taking the 0 as a level where there is no inequality between the population of a country, in Spain that level was in 2007 at 31.9%, while in 2014 that percentage rose to 34.7%, that is, during The crisis the level of inequality increased up to 2.8 percentage points.

Spain is among the five most unequal countries in the European Union only behind Portugal, Italy and Greece Oxfam says that poverty and social exclusion have increased " alarmingly " since the beginning of the crisis in Spain. During 2015, the richest 1% of the population concentrated almost as much wealth as the poorest 80%. In addition, the richest 5% fortune exceeded the wealth of the poorest 90%, that is, there are currently 2.3 million people in Spain who have a wealth of more than 42 million people.

In fact, Spain is the second country in the EU where the distance between the 20% with the highest income and the poorest 20% has grown the most, from the beginning of the crisis, just behind Estonia. With regard to salary, there has been a fall of 22.2% between 2007 and 2014.

According to the organization, Spain, which ranks among the five most unequal countries in the European Union only behind Portugal, Italy and Greece, has seen how the poorest households have been losing purchasing power through wages and a model fiscal "increasingly regressive". "The concentration of wealth and heritage in very few hands has not found a brake to continue growing," he says.

Oxfam emphasizes that this year has been an "exceptional" year in activity for the SICAV , since they have reached a market of 38,000 million euros, according to the annual summary of the BME of 2015. The international confederation points out that in 2015 a total of of 126 new sicav in Spain.

According to the report, Spain continues to have one of the lowest effective fiscal pressures in Europe , with 8.2 points below the euro area average, with a design in which 85% of the effort falls on families.

"The fiscal gap in Spain is explained to a large extent because we raise much less than we should, we raise little of who has more , we raise without hardly distributing and we have one of the highest evasion and tax evasion levels in our European environment", Oxfam points

Globally, the report concludes that the gap between rich and poor worldwide has increased in 2015 to the point that the 62 largest fortunes in the world accumulate the same money as 3.6 billion people , the poorest half of humanity.

Tax havens

With regard to the flight to tax havens, the international organization recalls that the investment from Spain towards tax havens has not contributed to generate more than a net job stock of 296 jobs .

According to Oxfam, 82% of Spanish citizens agree on the need to strengthen regulatory frameworks and 70% believe that the tax engineering of large transnationals deprives developing countries of access to education and health.

From Oxfam Intermón they point out that the fight against inequality must take place at a Spanish, European and global level, and also within the developing countries. Another of the recommendations that are highlighted in the report is to achieve equity in the Spanish population should be redistributive policies. For Oxfam, the first step that Spain must take is to urgently approve a law against tax evasion.

Who are the 20 richest Spaniards?

This is the list of the twenty greatest fortunes in Spain (data from November 2015), according to Forbes magazine.

1. Amancio Ortega (majority shareholder of Inditex). Accumulated fortune: 60,900 million euros.

2. Rafael Del Pino (Ferrovial's president) and family. Accumulated fortune: 8,600 million euros.

3. Juan Roig Alfonso (owner of Mercadona). Accumulated fortune: 7,500 million euros.

4. Sandra Ortega Mera (shareholder of Inditex and Zeltia). Accumulated fortune: 7,500 million euros.

5. Isak Andic Ermay (owner of Mango). Accumulated fortune: 4,500 million euros.

6. Sol Daurella Comadrán and family (president of Coca-Cola Iberian Partners). Accumulated fortune: 3,700 million euros.

7. Francisco and Jon Riberas Mera (shareholders of Corporación Gestamp). Accumulated fortune: 3,200 million euros.

8. Families Herráiz Mahou and Gervás (shareholders of Mahou San Miguel). Accumulated fortune: 2,800 million euros.

9. Juan Miguel Villar Mir (president of OHL). Accumulated fortune: 2,700 million euros.

10. Víctor Grifols Roura and family (president of Grifols). Accumulated fortune: 2,600 million euros.

11. Thomas Andreas Meyer (owner of Desigual). Accumulated fortune: 2,500 million euros.

12. Familia Entrecanales (president of Acciona). Accumulated fortune: 2,400 million euros.

13. Fernando Masaveu Herrero (owner of Grupo Masaveu y Veguín) . Accumulated fortune: 2,400 million euros.

14. Juan and Carlos March Delgado (owners of Corporación Alba and Banca March). Accumulated fortune: 2,400 million euros.

15. Familia Álvarez (shareholders of El Corte Inglés). Accumulated fortune: 2,300 million euros.

16. Antonio and Jorge Gallardo Ballart (Almirall shareholders). Accumulated fortune: 2,300 million euros.

17. Manuel Jove Capellán (Owner of Inveravante). Accumulated fortune: 2,200 million euros.

18. Artur Carulla and family (president of Agrolimen). Accumulated fortune: 2,100 million euros.

19. Juan Luis Gómez Trénor Fos and family (shareholder of Coca-Cola Iberian Partners). Accumulated fortune: 1,900 million euros.

20. Josep María Serra Farré and family (owner of Catalana Occidente). Accumulated fortune: 1,800 million euros.

More information about:

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The Government of Murcia is still waiting for a meeting with Pedro Sánchez, who does meet with "the partners in the motion"



Noelia Arroyo, En La Rueda De Prensa


The Murcian chief executive, Fernando López Miras, and the members of his Government Council are still waiting to be received by the president of the central government, Pedro Sánchez, and by the members of his ministerial cabinet, with whom they have requested to meet, but They still do not know the agenda or have placed them on specific dates in the calendar.

“However, we see through the press and the agenda of the president of the Government of Spain and his government team that there are meetings in other autonomous communities, with partners and support for the motion of censure and to be president of Spain “, as lamented the spokesman of the Murcian Executive, Noelia Arroyo.

“Logically”, Arroyo has pointed out that Pedro Sánchez and his ministerial cabinet are holding meetings “with those people who must confirm in the coming months if that support has been in exchange for something in particular.”

At the press conference after the Governing Council and when asked about the meetings requested by López Miras with the president of the central government and with the members of his ministerial cabinet, Arroyo acknowledged that “the agenda foreseen by the Government of Spain “in this sense.

In the same way, he acknowledged that the date on which the new government delegate, Diego Conesa, is going to dispatch with the president of the Community, despite the fact that “it seems logical” that it should be one of the first, is not known either. meetings that you should keep in your new position.

Anyway, Arroyo has assured that the regional government will continue to claim “the strategic issues that urge the Region of Murcia” without “renouncing” them, “demanding a date as quickly as possible” and that the meetings “arise on the agenda what’s left of summer. “

“We, of course, will continue to work in the remainder of the summer, and if not, to include us as soon as possible because they are urgent issues,” according to Arroyo, who has warned that the pending issues are not “gestures” or “winks” “, but” fundamental issues for the Region and for this Government “that should be introduced in the agenda of the Government of Spain” as soon as possible “.



Arroyo has recognized that the meeting of the Governing Council, as usual, always addresses the issues that are “strategic and significant” for the Region of Murcia, keeping track of the state in which they are executing and the “obstacles” that get in the way.

Regarding the arrival of the AVE to Murcia, he said that the regional government continues to demand that Conesa maintain the expected deadlines or, in any case, to speed up. In any case, he expects “there will be no delays to finish the works”, whose completion was scheduled “for August 31, 2018”.

From there, he expects the work of the Railway Safety Agency to begin, that “we can not control and can not even give a date from the Ministry, I imagine, because it depends on the safety tests”.

Regarding the regional financing system, it has qualified

“jug of cold water” the statements of Pedro Sánchez announcing that “yes there was time, for example, to make a tax reform and that was one of the important issues for his Government Team”.

However, he regrets that they do not address “urgent needs on which we depend, in this case, all Murcia” as the funding system, “although there are very advanced jobs.”

In the case of water, the regional government is concerned “that there is a member in the Council of Ministers of the Government of Spain who does not know how the basin plans work or who says that there is no structural deficit in the Region of Murcia.”

“It worries us because it shows ignorance on a key issue,” according to ARroyo, who has guaranteed however that the Murcian government will continue, always from the institutional loyalty, “pushing, pushing and advancing so that those important issues in the Region are not See delayed. “

“Each counselor explains the status of each project that is being executed or that is pending a permit and, in this sense, or there have been many advances in the last week, on the contrary, there are many more concerns,” he concluded.

Best care insurance – These are the test winner News always well informed
What does the best care insurance offer? This question is followed by a test by the Institute for Pension and Financial Planning (IVFP). The testers have since the last investigation at the end of 2012 found a further expansion of care services. The IDEAL insurance can secure first place in the care insurance test
Beste Pflegeversicherung 2014 - Beste Vorsorge für den Ernstfall
Being on the safe side with a good long-term care insurance

As the best long-term care insurance , the IDEAL insurance clearly stands out in the IVFP test. A total of 74 tariffs of the nursing insurance were examined. A pleasing trend: Many products have been expanded in scope of services – now now offer over 90 percent of policies improved “assistance services” – such as a Beratungshotline – if the nursing case occurs. An immediate benefit is paid in this case by now almost 80 percent of tariffs.

Service: Find out which nursing care insurance is personally worthwhile for you. Ask for a free and non-binding offer.

IDEAL insurance convinced in the test

In order to find the best long-term care insurance in 2014, the company security and the price-performance ratio of the individual tariffs of the nursing care insurance insurance were taken into account in the test. Another 20 percent included the transparency of the insurance conditions and 10 percent the ratings for the service in the overall rating. Overall, the IVFP distinguishes between three different service categories.

Best care insurance 2014 for basic protection (only in care level III)

  • IDEAL (IDEAL nursing pension base rate)
  • Zurich Dt. Herold (Zurich nursing pension basis)
  • Basel Life (Basler PflegeRente Elementar)

Comfort protection (care levels II + III)

  • IDEAL (IDEAL care pension classic)
  • Zurich Dt. Herold (Zurich PflegeRente Klassik)
  • Volkswohl Bund (Nursing care comfort)

Exclusive protection (care levels I + II + III)

  • IDEAL (IDEAL Nursing Pension Exclusive)
  • Allianz (Allianz PflegePolice Flexi)
  • Zurich Dt. Herold (Zurich PflegeRente Exklusiv)
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Best long-term care insurance 2014 – What options are there?

There are various forms of supplementary insurance and not only the best long-term care insurance to cover the long-term care insurance. Insured persons receive a monthly pension with a long-term care insurance. A nursing daily allowance insurance, however, is even more clearly adapted to the needs of the care. For example, the insurance pays a long-term care allowance in the agreed amount on each day care becomes necessary. In addition, this form of hedging is usually a bit cheaper. Interested parties can get a first idea of ​​the contributions by comparing the different rates in the nursing daily allowance insurance with an online calculator. Which test winner there is, shows the nursing insurance test 2014 of the analysis house Softfair, in which both nursing care and nursing pensions were examined.

The main reasons for a private nursing care insurance

Private provision is becoming increasingly important in view of the aging German society. IVFP Managing Director Michael Hauer explains: “Private care provision is essential, especially as statutory compulsory long-term care insurance was always conceived as supplementary insurance.” Therefore, citizens are only recommended to take out additional private supplementary long-term care insurance. Otherwise, they have to pay for expensive care costs in the future, for example, by selling their own house – or the children are obliged to maintain.


Image: Hands hold fan of bills 

The discount, which is also referred to as “Abgeld” or “Damnum”, applies to finance in two areas: lending and the purchase and sale of foreign currencies. The lending business comprises both classic loans and mortgage lending and the issue of bonds. When buying up varieties, the exchange of foreign currency, banks usually pay a rate that is two to four percent below the official exchange rate. Conversely, they sell the foreign currency between two and four percent above the official exchange rate. In this case one speaks of an agio.

The discount on bonds

Bonds are rarely issued at 100 percent of the nominal value, but depending on the creditworthiness of the issuer with a premium or discount, the agio or discount. These differing selling prices of the bond lead to different returns. In the case of the discount, the return of the investor improves, for the issuer of the bond, the borrowing more expensive.

If the term of the bond is two years, the nominal interest rate two percent and the discount 0.5 percent, the following calculation results: Disagio 0.5 divided by two (years) gives 0.25. These are added to the interest rates per year, resulting in a return of 2.25 percent pa. The reason for this is that the issuer must repay the buyer at maturity of the bond 100 percent of the nominal amount, but this paid only 99.5 percent. For shares, but also for limited liability company shares, these may not be issued at a discount (Paragraph 9 of the Stock Corporation Act and Paragraph 5, Paragraph 3, Sentence 3 GmbH-Gesetz).

The discount on loans

Much more complex than the discount on a bond is the discount on a loan. As a rule, private consumers only come into contact with the topic if they want to take out a real estate loan. The discount is regarded as an anticipated interest payment and results in a lower monthly nominal interest rate. The procedure is analogous to that of a bond.

The borrower agrees with a loan of 100,000 euros and an interest rate of 3 percent, a discount of five percent. The payout amounts to 95,000 euros. The initial interest charge without repayment, on the other hand, is 3,000 euros, since it is credited to the gross loan volume. In addition, 100,000 euros must be returned to the bank. The discount means that a higher loan is taken than is actually necessary for the payment of the purchase price.

The basis for calculating the interest rate on a discounted loan is complex and precisely defined in the Price Indication Regulation. A layman can not understand this calculation without further ado. Therefore, the discount is also included in the annual percentage rate of charge to ensure comparability between a loan without discount and loans with a variety of discounts. In mortgage lending, depending on the provider, a discount of up to ten percent is possible.

Legal framework of the disagio

The discount applies in the jurisdiction as part of the term-dependent interest, as it represents an interest prepayment. Paragraph 292, para. 2 of the German Civil Code (BGB) does not only speak of interest rates for interest, but also interest-related expenses, provided that they depend on the term. The discount affects the nominal interest rate due to the different interest rates for different maturities. In terms of tax law, the discount is to be regarded as income-related expenses in the context of a third party leasing. It can be fully taxed in the year of loan disbursement. For self-users, a discount has no tax implications, but landlords can claim it as income tax expenses.


Investment Comparison: Minimize risks – find the best investment form

Sunday, 23.03.14 , written by Bernd Lauberg When capital investment comparison, it is especially important to know which asset type is one. No matter whether it’s shares, gold or ecological investments: depending on the risk appetite or the security needs of the investor, various investments

Kapitalanlage Vergleich schützt vor unnötigen Risiken

Find the optimal investment with the investment comparison

There is currently a trend in the investment comparison: although time deposits are still one of the most secure investments. But they are currently paying little interest. Only a few providers of fixed-term accounts can even offer an interest rate that is above the inflation rate and makes profits possible. This has resulted in a study by Stiftung Warentest in December 2013. Other investments such as investment funds, in turn, have a particular deterrent effect on newcomers due to their complexity. It showed financial test only recently that even laymen the entry into the stock market is made easy. But no matter which system consumers choose, they must ask themselves how much they are prepared to invest before investing in a settlement. This does not only mean the amount of money, but also the risk.

Investment Comparison: Trend towards sustainable investment forms

The investment comparison shows that ecologically sustainable forms of investment such as wood investments are becoming increasingly popular. They offer high return opportunities of over ten percent – assuming a long maturity in which investors do not have their money, and a well-developed investment. But dangers such as natural disasters and pest infestation make the investment in wood vulnerable. Therefore, it is advisable for every investor to be fully informed about the risks. This does not just apply to wood investments, but to any form of investment.

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Compare investments: balance safety and risk

Anyone who compares investments with one another will soon discover that the promised return is generally only possible if there is a risk of a partial or total loss. Equity funds usually have the advantage that investing in several securities not only distributes the risk of losing the entire capital. In addition, investors themselves or fund managers can distribute the amounts so that a portion flows into shares with high security. According to experts, stocks are particularly worthwhile for young consumers. Because if there are price fluctuations, they can simply be eaten by them.

Service: Use our investment comparison calculator and find out which investment specifically suits your personal risk appetite.

Warning list for dubious investments

Cautious consumers should be with products of the so-called gray capital market. Behind them are plants that are hardly controlled by public authorities. This has both advantages and disadvantages. Companies can invest their investors’ capital less security-oriented. This enables significantly higher returns than investments that are sold by the bank. At the same time, however, the lack of regulation opens doors to black sheep who wildly speculate with their customers’ money. Stiftung Warentest offers a warning list online to provide a quick “overview of dubious, dubious or very risky investment products,” according to the consumer organization. However, the list can not guarantee completeness.

When investing comparison not just rely on flyers

However, potential dangers are not intended to discourage consumers from the opportunities afforded them by capital investments. Because with safe investments such as savings account or money market account their capital loses its value through low interest rates in conjunction with inflation. That’s not a financial investment. But nobody should rely on flyers and brochures on the corresponding capital investment of companies. It is important to seek advice before making any decision, such as to a consumer center or a financial expert. This minimizes risks and optimizes the investment.

Investment: Taxes do not save overvalued

Incidentally, the Verbraucherzentrale Nordrhein-Westfalen advises against opting for a specific investment only for tax reasons. Fiscal benefits do not always result in “the bottom line profit of the recommended product over alternative investment strategies.” It is important that the investment fits the investor’s wishes and objectives. Then tax benefits can be used, so much the better.

  • Here are tips and more information about the investment. >
  • Bernd Lauberg
  • editorial staff

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Drawing of a young man who could be a self-portrait of Raphael


Rafael - Portrait of a youth (self-portrait?), C. 1500-1


One of the great dilemmas of the history of art is the rivalry between the Renaissance Michelangelo (1475-1564) and Rafael (1483-1520) . Although the personal taste is the most conclusive filter, the opinion of the English painter and academic Joshua Reynolds, who in one of the speeches conferences, opts for the second one, is usually taken as canonical and definitive.

“The excellence of this extraordinary man lies in the decorum, beauty and majesty of his characters , the judicious organization of his composition, the correctness of the drawing, the purity of taste and the talented adaptation of contributions unrelated to his own objectives,” writes Reynolds .

For the English critic nobody surpassed Rafael “in knowing how to unite the own observation of the nature, the energy of Miguel Ángel and the beauty and simplicity of the ancient art.” Therefore, to the question of who should hold the first position, Rafael or Miguel Angel, it should be answered, that if it were to be granted to those who possess qualities in art superior to any other, there is no doubt that Rafael is the first . “


A similar opinion – Michelangelo as a mad genius of eccentricity and Rafael as a master of beauty, dignity, moderation and perfect composition – has been repeated hundreds of times for centuries. Both artists, who lived almost at the same time, were admired and envied . Until today it remains unclear to what extent they copied each other in the Vatican vaults of the Sistine Chapel and the Apostolic Palace, the most beautiful works of the Renaissance.

Simple, serious

The simple, serious and majestic dignity of Rafael is visible this summer in one of the most interesting exhibitions of the season: Raphael: the Drawings ( Rafael: the drawings ), from June 1 to September 3 at the Ashmolean, the Museum of Art and Archeology of the University of Oxford. The gallery has managed to collect 120 pieces – half a hundred of its own collection, the most stocked in the world in works on paper by the Italian painter.

The 50 pieces that Oxford has join the 25 that are in Vienna Another twenty-five works are a loan from the Albertina Museum in Vienna, which will exhibit the sample after the Ashmolean. The remaining drawings come from private and public international collections and include such notable pieces as the Head of a Muse , a sketch that Rafael painted when preparing the Vatican frescoes, and that in 2009 became the most expensive drawing to be auctioned until then ( 34 million euros).

‘Once in life’

For the director of the Oxford Museum, Xa Sturgis, the exhibition has the condition of “once in a lifetime” and is only comparable, among those of the last decades, with the one organized in 1983 by the British Museum. Visitors, adds the head of the art gallery, will have the opportunity to “experience Rafael’s genius visually and emotionally” .

An intensive search for perfection The works come from Raphael’s brief but intense career, from the beginnings in Umbria’s birthplace to the apogee in Rome and the death at age 37. The exhibition aims to take advantage of the immediacy and expressiveness of the artist’s drawings to show his “intensive search” for perfection, as is clear in the studies for the Madonna of Francisco I , where the expressiveness of the drawing, earthy chalk and convincing stroke, exceeds the final result of the painting.

Archeology supervisor

In his time of greatest fame, when he not only became papal architect, but also supervisor of archaeological excavations, Rafael used drawing as a way of exploration and testimony. In the exhibition you can see pieces of great refinement that were given to prestigious figures, among them the artist Alberto Durero.

Another outstanding sketch is the Study of the heads and hands of two Apostles , where the “silent eloquence” and the “visible speech” that the Renaissance artists aspired to achieve in competition with poets and speakers is patent .

Expressive power with tactile and gestural qualities For Catherine Whistler, responsible for the exhibition, the works presented at Oxford allow us to appreciate how Rafael put to work “hands and mind in tune” when he drew with an “expressive power” overflowing with ” tactile and gestural qualities “. If it were necessary to reduce to a single word the style of the teacher Whistler proposes the one of “eloquence”.

Best health insurance for the self-employed: gain additional benefits

Best health insurance for the self-employed: gain additional benefits

As the best health insurance for self-employed is recommended according to a test, the Techniker Krankenkasse (TK). But even regional providers can achieve very good results with Focus-Money. Many additional benefits for the self-employed are considered in the test. However, given the costs, they should also consider private health insurance as an alternative.
Beste Krankenkasse für Selbstständige gekürt
Well protected with the best health insurance for the self-employed

Together with the German Financial Service Institute (DFSI) Focus-Money has checked which statutory health insurance is best suited for the self-employed . Among other things, the testers have considered the criteria additional benefits, individual health promotion, alternative medicine, bonus programs and dental care. The best health insurance for the self-employed is according to the investigation the TK . It convinces with achievements that go beyond the statutory measure.

In addition, self-employed persons can include offers for private health insurance as an alternative in their choice of health insurance protection.

The best health insurance for the self-employed offers many additional benefits

Not only TK can score in the study for the best health insurance for self-employed. Also other cash registers convince. The top 4 of the best nationwide health insurance companies are:

  • Technician health insurance
  • Hanseatic health insurance
  • DAK health
  • Securvita BKK

In addition, there are some regionally open health insurance companies that recommend themselves for the self-employed:

  • AOK Baden-Württemberg
  • IKK southwest
  • AOK Plus
  • AOK Northwest

Tip: Many of the top funds offer extra services such as travel vaccinations, alternative medicine or health-conscious premiums. Therefore, determine in advance what your cashier should definitely offer you and find the health insurance comparison calculator health insurance with optimal price-performance ratio.

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Statutory health insurance for the self-employed: contribution represents high burden

The best health insurance for the self-employed must first and foremost take all the necessary treatments and preventive measures. But especially for the self-employed cost plays a big role . Self-employed, voluntarily insured cash-desk patients have to pay 14 percent of their monthly income for the GKV contribution. Who wants to receive sick pay from incapacity for work from the seventh week, pays 14.6 percent. There is also an additional contribution.

To calculate the contribution for the self-employed, the funds assume that they earn at least € 2,231.25 per month . Self-employed pay a health insurance contribution of 312.38 euros per month plus 56.90 euros care allowance (as of 2017) without entitlement to sickness benefit and without additional contributions. If the additional contribution of the health insurance is 1.1 percent, the expenses for nursing and health insurance add up to 393.82 euros per month.

GKV or PKV: What are the advantages and disadvantages?

In addition to a public health insurance is open to self-employed private health insurance. Private health insurance has the advantage of being self-employed can individually determine their performance. In general, the private health insurance for many self-employed is also cheaper than the GKV . This shows a quick look at the comparison calculator for private health insurance. However, self-employed persons should note that the decision to buy private health insurance can only be reversed if they switch to an employment relationship and become subject to compulsory insurance. As in statutory health insurance, premium increases are also possible.

Here you will find tips and further information on the statutory health insurance.

What if they offered you more money for a winning lottery tenth?

  • Selling a tenth lottery can have serious consequences.
  • Depending on the amount, he is punished with fines and up to six years in prison.
  • Sellers and buyers could face penalties for money laundering, tax offenses or administrative infractions.
Bombo de Lotería de Navidad

One of the drums that are used in the draw of the 'Gordo' Christmas. ARCHIVE

Imagine that you are lucky to be a millionaire. What you have dreamed so many times has come true, and one morning you wake up with your wallet full. Your tenth Christmas lottery has been awarded with thousands of euros. In a moment of absolute happiness and, still without digesting the news, someone knocks on your door offering you even more money than you have earned in exchange for your winning ticket, would you accept it?

This was precisely what happened to Esteban (fictitious name). One day after winning 30,000 euros in the lottery, still with the hangover of the celebration, an unknown person offered him 3,000 euros in exchange for his tenth prize.

A day after winning 30,000 euros, still with the hangover of the celebration, a stranger offered him 3,000 euros more for his ticket

Esteban was not faced with a great dilemma: "I did not think twice about the issue, I was going to use the money for a reform in my house and I did not think twice … It was 3,000 euros more".

An intermediary between Esteban and the final recipient was in charge of making the change: ticket awarded for money in cash, as simple and fast . In just a couple of days the procedure had already been done.

"I never had contact with the person who took my tenth. I never saw his face, but I knew what he was doing," says Esteban.

Money laundering from drug trafficking was the end of the new millionaire. Esteban had his 3,000 euros more, but he had stopped being a winner, something that his conscience never finished assimilating: "After I reacted, I could not sleep at night thinking that I had profited with the evil of another person" he says.

"It's not that this story has a happy ending, I'm not proud of it, but all that extra money I received was donated to a help center against drug addiction," he concludes.

The price of "selling" your luck

New millionaires like Esteban are an easy way for those who try to launder black money. The Trade Union of Technicians of the Ministry of Finance (Gestha) warns of the possible consequences that may have for the winners to exchange their lottery tickets for more money. And is that selling luck can lead to a serious crime, depending on the amount, which could be punished even with jail.

"It is a serious tax infringement, the sale itself does not constitute an infringement, one person can assign to another that lottery ticket, what is punished is that this operation serves to launder money " explains José María Mollinedo, Gestha's secretary general.

The sale itself does not constitute an infringement, what is punished is that the operation serves to launder money

Tax crimes that are incurred by having a heritage that can not be justified can have a prison sentence of 1 to 4 years , plus a fine of 100% of the amount of the fee left to enter, multiplied by six.

In the case of money laundering, the prison sentence can range from six months to six years , and the fine would be between 100% and 300% of the value bleached.

If the judge does not impute a crime there may be infractions of a mild, serious or very serious type, with fines ranging from 3,000 euros minimum (in the case of minor) or 30,000 euros in advance (in very serious infractions).

According to Gestha, the amount that is usually given in exchange for a tenth prize is usually between 10 and 15% more than the money earned.

Is it possible to have 145 winning lottery tenths?

Mollinedo explains that the purpose of selling lottery is to " hide the illicit origin of money to avoid criminal consequences, if that amount exceeds 120,000 euros would be close to committing a tax offense, if it is less a tax violation."

"We have seen it now in a very notorious case, that of Juan Antonio Roca, who has admitted to the judge that he has purchased numerous winning lottery tickets and was entering it in his current accounts."

The family of Juan Antonio Roca received in six months more than 600,000 euros in lottery prizes The relatives of the Town Planning ex-adviser of the City of Marbella, the main defendant in the Malaya case, received in six months a total of 646,033.19 euros for prizes of the lottery and coupons of the ONCE, according to the police report.

Another known case is that of Carlos Fabra. According to the investigations made to the former president of the Diputación de Castelló, luck came to his home on four occasions between 2000 and 2004.

More curious and fortunate is the story of the ex-mayor of Santa Cruz de Tenerife, Miguel Zerolo. In 2001, he won the Christmas and Children's Lottery consecutively with 145 tenth prize winners.

With more submerged economy, tax evasion rates rise, but not the volume in euros

As to whether the crisis is affecting this type of illegal practice, the secretary of Gestha states that it is not significantly affecting money laundering, usually "the actors who are interested in money laundering are usually of two types : the employer or administrator of a company that wants to whiten its activity in B, or of the other type that comes from an illicit activity, corruption or trafficking of arms, or any other similar crime ".

As more submerged economy increases the rates but not the economic volume in millions of euros . "The sector of construction and real estate development is that he contributed more fraud in previous years: 8,600 million euros of tax evasion between 2008 and 2009", however he admits that the amount is now lower.

Claim to bank offices

Gestha believes that there is a way to investigate the winners and thus avoid this type of fraud: "We have been asking the Ministry of Economy and Finance to ask the bank offices for the list of people who have requested this money. It does, and that is how it encourages people to want to launder money. "

care insurance

care insurance

Private provision for the care case

What is a long-term care insurance?

The statutory long-term care insurance supports legally and privately insured persons financially, if they depend on care. Since 1995, there is this social benefit. But the legal coverage is not enough to cover the actual costs of outpatient or inpatient care. That’s why it makes sense to provide additional private. For some years, the completion of a private long-term care insurance is sometimes even funded by the state.

Long-term care insurance facing the challenges of the future

In December 1999, there were approximately 2.02 million people in need of care in Germany. By the end of 2015, there were already 2.68 million people affected. Experts believe this trend will continue. In the year 2050, around 4.5 million people will depend on the help of relatives or professional nurses. In addition, those in need of care are also taking longer and longer to take care of – after all, life expectancy is rising.

This change in society poses enormous challenges not only for the statutory long-term care insurance, but also for those affected themselves. After all, the long-term care benefits are not intended to cover the entire care costs. Rather, they should guarantee a partial financial support for long-term care. But already today many people are overwhelmed with the remaining costs. So a place in a nursing home can quickly cost 3,000 euros per month. The long-term care fund pays only two-thirds of the amount. The remainder must be paid from your own income and assets. If this is not enough, relatives such as spouses or children may be required to pay the cost of care.

Fundamental changes in the nursing system: Nursing levels replace nursing levels

Since the introduction of statutory long-term care insurance, the degree of care required of an individual has largely depended on their physical limitations. The more help he needed, for example, when washing or shopping, the higher the level of care had been. However, this definition of need for care has meant that people who suffer from dementia or mental illness, for example, have been attributed significantly less care than they actually need.

In order to give all people equal access to care services, in 2017 the old need for long-term care was replaced by a new one. Since then, it is no longer the need for help in minutes, but self-reliance in everyday life, that is at the center of the question of how dependent a person is . In the course of this, the previous care levels were replaced by the nursing degrees.

Old – care levels until 2016 New – Grade of Care since 2017
Care level 0: Persons with considerably limited everyday skills Grade 1: Low impairment of self-employment or abilities
Care Level I: With an average need for assistance of at least 90 minutes daily Grade 2: Significant impairment of self-employment or abilities
Care Level II: With an average daily support requirement of at least 180 minutes Grade 3: Serious impairment of self-employment or abilities
Care level III: With an average need for assistance of at least 300 minutes daily Grade 4: severest impairment of self-employment or abilities
Care level III with hardship regulation: With an average help requirement of at least 360 minutes a day, of which at least three times a night Nursing degree 5: severe impairment of self-employment or abilities with special requirements for nursing care

What changes for those in need of care in the statutory long-term care insurance

Persons who have already received care services before 2017 have automatically received a new level of care. As a rule, people with physical disabilities have the next higher level of care compared to their former care level, while people with dementia are classified in the second degree.

By contrast, anyone who has been entitled to the benefits of the long-term care fund for the first time since 2017 is assessed by an expert of the Medical Service of the Health Insurance (MDK). The expert assesses how independent a person is in six differently weighted areas . These are:

  • Mobility (10 percent)
  • Cognitive and communicative skills (15 percent)
  • Behaviors and mental health problems (15 percent)
  • Self-sufficiency (40 percent)
  • Coping with and dealing independently with illness or therapy-related requirements and burdens (20 percent)
  • Shaping everyday life and social contacts (15 percent)

On the basis of the MDK report, the statutory long-term care fund determines to what extent an affected person needs care. The amount of benefits depends not only on the level of care , but also on the type of care . For example, there are other benefits for caring for relatives in their own home than for full-time care in the nursing home.

nursing degree Performance for private care Outpatient care service Performance with full in-patient care
1     125 euros
2 316 euros 689 euros 770 euros
3 545 euros 1,298 euros 1,262 euros
4 728 euros 1,612 euros 1,775 euros
5 901 euros 1,995 euros 2,005 euros

As of 2017

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For whom is the private nursing care insurance useful?

Despite the need-based division of the needy in care levels and extended benefits, the statutory long-term care insurance is no more than a partial coverage in the case of long-term care. Extra care insurance should therefore be completed as early as possible given the high cost of care. For the providers of statutory long-term care insurance , the long-term care funds, can only provide people who are in need of care with very meager support and inadequate benefits . The cost of care continues to increase. Private supplementary nursing insurance, on the other hand, provides far-reaching financial assistance for people in need of long-term care.

Pflege-Bahr – Funded long-term care insurance

Due to the great need to be financially prepared for the care case, since 1 January 2013 the state has been promoting the conclusion of a private care allowance insurance via the so-called Pflege-Bahr. Here, insured persons receive a subsidy of five euros per month if they pay at least ten euros for the care provision themselves. The tariff must provide services of at least € 600 per month with the highest need for long-term care. In view of this amount, however, experts complain that the benefits of the Pflege-Bahr are too low in an emergency.

Editor’s tip: care provision for all cases

People with pre-existing conditions do not always find it easy to find supplementary care insurance. At Pflege-Bahr, however, insurers are not allowed to refuse anyone because of pre-existing conditions.

What services does the additional long-term care insurance offer?

Supplementary care insurance can help you close the gaps that arise from low benefits from your statutory or private health insurance. For a place in the nursing home, the statutory long-term care insurance pays only 2.005 Euro, depending on the degree of care. Since home care costs 3,000 euros or more per month, you can quickly incur high care costs of 12,000 euros per year. This must be done either by yourself or your family members. Not infrequently then social assistance becomes necessary. With supplementary insurance in the case of care, you and your dependents are financially secure.

That’s what experts say has interviewed various experts on the subject of long-term care insurance. Professor Gruner explains what insurers should improve. Nursing experts Professor Bienstein and Professor Goerres provide information on the challenges that future care will face.

Which form of private provision is best?

Private supplementary nursing care insurance can be used to close the pension gap between the benefits under statutory long-term care insurance and the actual costs of long-term care. However, there are different variants of private care.

1st day care allowance

A nursing daily allowance insurance is recommended if the care is to be carried out privately or if you would like to receive an additional income. With this form of long-term care insurance, people in need of care receive an agreed amount for each day they need care. The amount of care allowance depends on the degree of care required. With highest need of care there is the full daily allowance . Some daily allowance insurances pay more for home care than for private care.

2. Care costs insurance

The care costs can easily be more than
3,000 euros per month

This variant of long-term care insurance is useful if care is to be provided by professional staff . For private care, it offers less support. The insurance helps you settle the bills of care institutions and offers various benefits. The share of the costs of the long-term care insurance is determined by the conclusion of the contract.

It should be noted that the costs charged by care institutions can be very high. Payments of several thousand euros per month are not uncommon and should be taken into account when choosing the contribution amounts.

3. Nursing pension insurance

If you would like to receive a pension or long-term care allowance in the case of long-term care, it is advisable to take out a long-term care insurance. This is a special form of life insurance. It pays you a long-term pension as a long-term care allowance if you are in need of care.

Test winner with best performances

Before concluding a private long-term care insurance, it is worth comparing individual insurance offers. When choosing a fare, you should not only pay attention to the price, but above all take a closer look at the services and contractual conditions of the various providers. Here are also tests and test results, for example from Stiftung Warentest. A look at the current test winners can help you choose a suitable rate.

How the price of a home insurance is calculated


With a home insurance you can cover the continent and the contents of the property. The value that both parties add, however, will vary the annual price that the insured must pay, since, ultimately, the price of a home insurance is governed by what it safeguards . For this reason, it is not the same to hire insurance for your habitual home in property that, for example, to secure a second residence for rent on the coast or in the village.

Now, what is the content and what is the continent ? What does a home insurance cover? And, most importantly, how is the price of home insurance calculated? Know the answers in this article, as well as a competitive option to insure your home.

The price of a home insurance: content and continent

The price of a home insurance: content and continent

When fixing the price of home insurance, what is done is to value the economic amount to which both content and continent amount. As a general rule, although it may vary from one company to another, the “content” of a property is everything that is inside a floor, such as furniture, clothing, household goods, appliances, etc. . On the contrary, those fixed parts that constitute the property, are what is called “continent”. That is, what contains everything that is inside the house.

The resulting sum of content and continent means a value that, in terms of the insurer, is translated into an annual price agreed in the policy. Now, what criteria are used to assess content and the continent?


The content

As we have seen, content is considered everything that is inside a house . However, all these objects can be of different value depending on their quality and their age. Also, certain objects, such as jewelery, can be taken into account independently when it comes to insuring them. Here are some guidelines to ensure everything correctly:

  • Appliances and technology : make sure to guarantee the value of your objects. In every home there are innumerable appliances and electronic objects that, as a whole, represent a remarkable value for the home. In case of a theft, for example, if any of these objects is stolen, it must be restored. For this reason, it is important that in the insurance policy they appear with their real value.
  • Personal property : it is considered as such the basic trousseau of a house and all those accessories of daily use. Therefore, when hiring a home insurance you will be protecting your clothes, both clothing and bedding, as well as other personal goods from unexpected events. Now, if among your possessions there are objects of great value, such as jewelry or works of art, these must appear specifically in the policy.
  • High-value objects : do you have jewelry or works of art at home? If the answer is affirmative and you want the home insurance cover your value in case of theft, it will be necessary that at the time of signing the policy are referred specifically. In this sense, you should know that each insurer establishes the conditions on what are considered jewels and objects of special value (works of art, paintings, coin collections, etc.) and what minimum or unitary value they must have to be considered as such.
  • Other goods : it is important that you really ensure everything you have at home. In the content of a home insurance can be secured, for example, transportable objects, such as mobile or computer, even if they are stolen away from home. Also, the most competitive home insurance offers assistance in specific cases, such as if you need a maintenance service at home (hanging pictures, installing lamps, assembling furniture, etc.) or if you need help online or at home with the computer, tablet or smartphone (data recovery service, backup in the cloud, configuration of parental control, etc.).

Know all our insurance and choose the one that best suits your needs: more information

The continent

The continent

In addition to the content, all home insurance is used to cover possible contingencies in the continent (as established in the insurance contract), that is, the walls , ceilings or floors , as well as the facilities of the same. That is, from the electrical installation or water or heating pipes through the floors, walls, ceilings, everything that is fixed and proper to the property will be considered continent. In this sense, it is also considered to be continent all those elements that, whenever they are of private use and are in the enclosure of the house, are annexed to it. That is, patios, terraces, garages, storage rooms, swimming pools, etc.

In this way, what is done to ensure the continent is to ensure that, in the worst case, and as a result of a loss, if the total destruction of the property occurs (as, for example, the total fire of the insured home) , or on the one hand (such as a blowout of a pipe in the bathroom) the insured home can be restored to the state prior to the occurrence of the accident and the value of the property recovered as if nothing had happened.

How to save by hiring a home insurance?

How to save by hiring a home insurance?

In a house, everyone has what they have. Therefore, the price of a competitive insurance is one that values ​​neither above nor below the amount of content and the continent. There is a double risk here of error in the valuation:

  • Pay “double” for some coverages , for example, in the case of a home, if they are covered by the insurance of the community. In this sense, it is necessary to clarify that in the market there are some community insurances that give you the option to cover some coverage at a particular level, for example, water damage caused by the private pipes of the house. Normally, the community insurances only cover the damages that take place in the common zones of the building (for example, the breakage of a mirror located in the entrance of the community, a leak of water of the communitarian pipe, a fire in the vestibule, etc.) but everything that happens from doors inside the house is advisable to have it insured through a private housing insurance that covers the damages that take place inside your house (for example, the breakage of the glass of the door of the house). hall, a leak of water in the bathroom, a fire in the kitchen to leave forgotten a pan on the fire, etc.). Therefore, it is very important to know what the community insurance covers to avoid taking any surprises.
  • Paying less , which, when it comes to the truth, will mean that you actually lose much more than money if you suffer damage.

As we have seen, both options are inadvisable for many reasons. So, if you want to save on your insurance, do not underestimate the value of your assets and secure the home for what you really have inside it.

Another question to be addressed is whether having an alarm connected to the central office or having an armored door in the house can mean a saving in the price of the insurance. Normally, insurance companies value positively the security measures available to the home and, sometimes even, can be decisive to accept or not the risk to be insured.

And how can we pay less? Another possibility is to review the form of insurance payment, the linking of other insurance in the same company or the hiring of new ones. Some insurance companies present more competitive offers when the payment of the receipt is made on an annual basis (this ensures the collection of the entire policy from the beginning of the contract) or if you already have other products contracted with them, they apply an additional discount on the new insurance contract.

In this sense, thanks to BBVA Plan EstarSeguro, customers have a service that allows them to group the payment of their insurance contracted with BBVA Seguros and divide the payment into 12 months without interest , in addition to enjoying a bonus of up to 15% in all policies included in the Plan, depending on the number of insurances incorporated.

If you want to know more about the BBVA offer and know the price of your home insurance enter With this insurance, in addition to the content and continent of your home, you can access other services included in your policy without any additional cost such as the Handyman Service and online and home computer assistance. Take a look at what our bank has prepared for you. .