3 mini ways to consolidate your loans

Being inscribed in records of defaulters closes us many doors, both banks, and private lenders. One way to reopen them is to contract loan with consolidation companies near me to consolidate our loans. We can get up to € 600 instantly to pay those overdue bills for those that end up in Asnef.

Which entities grant mini credits with Asnef?

There are many lenders that will deny our credit application if we are enrolled in delinquent records. However, some private companies can grant us mini-loans with Asnef if our debt is not a bank and does not exceed € 1,000 (or € 2,000, depending on the entity).

Lender Maximum quantity Cost € 100 to 30 days Allowed debt I’m interested
Twinero € 600 (€ 300 new customers) € 35 Up to € 2,000 Apply for
Cashper € 500 (also new customers) € 38 Up to € 1,000 Apply for
PepeDinero € 500 (€ 250 new customers) € 30 Up to € 1,000 Apply for

They will not charge us more for granting us a mini credit with Asnef. If we ask for money from these entities, we will pay the same as if we were not enrolled in a list of defaulters.

Requirements to ask for mini credits with Asnef

If we want to request mini loans with Asnef to these three companies we must comply with these conditions:

  • Reside in Spain We must send a photocopy of the DNI or NIE to prove it.
  • Have sufficient stable income. It is enough to have a payroll or receive a pension, a scholarship or an unemployment benefit.
  • That the debt for which we appear in Asnef does not exceed € 1,000. However, there are exceptions: Twinero grants mini credits with Asnef if the debt does not exceed € 2,000.
  • That this debt has not been contracted with any bank.
  • Have an account in our name to make the deposit of the mini credit with Asnef.

And if I need more than € 600?

If we do not have enough with the mini credits with Asnef there are other options in the financial market. For example, we can borrow with a mortgage guarantee of up to € 300,000. However, these credits with Asnef have their risks: their interests are high and we could lose our house if we do not return the loan.

How to pay off the debt once the credit is granted

If we want to leave a file of defaulters we will have to pay the debt immediately with our mini loan with Asnef and, once done, request that they eliminate our name and inform the creditor company. In order for the cancellation to be valid, we must send a photocopy of our ID along with proof of payment of the debt. We will receive a response in 10 days and we will be removed from the list in a month.

What if I’m registered by mistake?

If we are on the list by mistake we do not need to pay any debt with a mini loan with Asnef; They will erase our name if we show that we owe nothing. In addition, if we consider that this erroneous registration has harmed us financially, we can file a claim for damages to compensate us for the bad drink.

How to cancel your debts?

How to cancel debts

There are few situations more stressful than having debts, worrying about making ends meet and having creditors behind. You may not be sure how to pay off your debts, but do not worry, you are not the only person. Luckily, there are experts who can teach you how to pay your debts.

There are times when getting into debt is inevitable because there is no other option: When buying a house, a car or when unexpected expenses arrive. If you do not have enough cash to make a big bump purchase but you know that in the future you will have it, asking for a cash advance can be a good option- O-R www.seagig.org/getting-an-online-cash-advance Seagig.

However, there are times when you end up owing more money than you can afford to pay back. That’s when the troubles come. But it’s important that you do not panic. Here are some practical tips to get rid of your debts:

 Reevaluate your finances

<strong>Reevaluate your finances</strong>

What does it mean to reevaluate your finances? Neither more nor less than to review all your accounts of the previous year and identify your successes and financial disasters. What can you learn? What did you do well? What can you improve? Plan a budget for the year by applying the lessons you have learned from the previous one, and use it as a guide.


Plan well and make smart purchases

Make a list of what you need before going to the supermarket or a store. Knowing with certainty what you have to buy leaves less free space for improvisation and impulsive last-minute purchases, which are what take much of the budget. Try to buy by volume or wholesale, join with family or friends and save money.

If at Christmas you know that you usually get out of the budget, go ahead. Plan and buy the gifts throughout the year and avoid the last minute rush. It requires more patience, yes, but it ends up being profitable.


Find another job and sell what you do not need

It is quite usual to look for a second part-time job or only a few hours. I should not take away too much time, and that extra money, however little, will come in handy to cancel the debts.

Another good idea to have more income is to sell items that you have at home and do not need more. Sell them through apps and get cash to deal with debts. In this other post, you can consult more ideas to earn extra money.


Ask an expert for help

<strong>Ask an expert for help</strong>

If you suddenly discover that numbers are not your thing and that setting a budget and following it to the letter is not in your DNA, then you may need the help of an expert. You have the option of going to an accountant, but you can also ask for advice from that good friend by giving accounts. He could have some financial education and, who knows, maybe you end up helping others.

The Government recognizes the PSOE that has dissolved twice the Cordovan Social Work Orchards Family

The Government recognizes the PSOE that has dissolved twice the Cordovan Social Work Orchards Family

The Government of the Nation has recognized, in answer to the questions posed by the national deputy of the PSOE for Córdoba, Antonio Hurtado, who has dissolved on two occasions the Obra Social Cordobesa Orchards Family, although, it has not proceeded to the liquidation of your assets.

This has been indicated this month by the Executive President of the popular Mariano Rajoy, in a written response, to which Europa Press has agreed, to separate sets of questions that, on this subject, Hurtado had raised in December 2016 and in January this year. year.

Thus, on December 21 and in writing, the Socialist deputy asked the central government if “Is the Youth Pavilion in the Southern District of Cordoba assigned to the City Council by the Board of Family Gardens? When is the transfer planned? “, if” is it totally free? With what conditions? What procedures are missing? Why could not the swap that was previously planned have been concluded? “and” What was this swap? “.

Subsequently, on January 19 and without the Government having responded to the first set of questions, Hurtado asked “what is the difference between the agreement that was adopted by the Patronato Huertos Familiares on October 11 of last year, where it was approved? the dissolution of the Obra Social Cordobesa Huertos Familiares, and the agreement of January 13 (2017), which has been an agreement for the dissolution of the Obra Social Cordobesa Huertos Familiares? “.

This also led the Socialist deputy to ask if “is the Board dissolved at this time? Who is the owner of the assets and liabilities? What are the assets and to whom? What are the liabilities and to whom do they pass? ? ” and, “in case it is not dissolved, what steps are left for the dissolution?”.

Given this, the Government replied that “in the Board of the Board of Trustees held on January 13, 2017 it was agreed, unanimously by its members, the dissolution of the Obra Social Cordobesa Orchards Family and the subsequent liquidation, in accordance with Article 43 of its Statutes “, adding that,” although it is true that there is a dissolution agreement “above,” it did not materialize “.

Consequently, as the Executive has stated, “the sub-delegate of the Government in Córdoba, acting as president of the association, with the advice of the State Bar and the State Treasury Delegation, proceeded to propose again the dissolution of the the association, with the difference that this new agreement entailed the liquidation, that is to say the cession, in some cases and delivery in others, of the property owned by the Family Gardens. “

Along with this, the Government has detailed that “there are two types of real estate registered in the name of the entity”, on the one hand “social housing”, and on the other the “parcels of land and buildings”, located in the municipalities of Córdoba and Guadalcázar.

In relation to the first, “it should be noted that originally these homes were delivered under the form of deferred payment, ie, the beneficiaries of these properties received housing with the obligation to pay the price of the same in monthly installments that ended to be paid in 2015. After that, and once proof that all payments are made, the owner must submit the acquisition to a public deed. “



As for the real estate, farms and sports facilities, such as the old Youth Pavilion, according to the Government’s response, “the Sub-delegation of the Government in Cordoba has initiated, in order to comply with the aforementioned agreement, a file in agreement with the Cordoba City Council, where the majority of the farms reside, to proceed to the free transfer of the same “.

The list of assets includes “land in the PAU (I) -4, SGEL and SGV SUNP-1, Park Trade Union farm, Youth Sports Pavilion, six plots in Alcolea de Córdoba, promotion of 13 homes in the South Sector, Neighborhood of ‘La Guita’, and promotion of 293 dwellings in Calle Torremolinos “, in addition to” 19 homes in Guadalcázar “.

The work that is being done at present, by the Subdelegation of the Government in Cordoba, as the Executive has indicated, “is the information to the owners so that they proceed to accredit the ownership of the houses in which they reside and the compliance with the payment of the installments, in order to be able to deed the properties on their behalf “.

“With regard to the liabilities of the association – concludes the answer -, it should be noted that only have debts for taxes related to land and municipal services,” which, “in accordance with the statutes, the assignee councils will assume the credits and debts that entail the immovable property object of the cession Therefore, once these have been transferred, the association will be able to be definitively liquidated, to the not being foreseen that debts exist “.

COMMUNIQUÉ: VELUX Natural Light solar lamps arrive in Africa


The jury of high-level experts dedicated to the fields of architecture, art and design subsequently selected the winning design, by Mariana Arando and Luca Fondello, from the University of Buenos Aires, Argentina. Its solar lamp design was inspired by the way in which light can bring people together.

The VELUX Group has so far produced and donated 14,500 solar lamps, and 150 local sales agents are now being trained on how to sell lamps in off-grid communities in Senegal, Zimbabwe and Zambia. The training combines workshops, role play, demonstrations and group work.

“The first business training was very successful, it was very busy and the future sales agents had a great interest in the product, convinced that the lamps sell well.The agents could verify that the Natural Light lamp can save money to their customers After two months of use, customers already save money compared to what they spend on kerosene lamps, having solar lamps means being independent of the electricity grid, “said Edius N. Makono, Alight Zimbabwe Trust (Plan Zimbabwe Alumni).

Today, 1.2 billion people around the world do not have access to electricity, and reliable, sustainable light is often scarce after sunset. Therefore, the VELUX Group is collaborating with Little Sun and Plan International to bring sunlight to Africa. The project uses a business distribution model, with VELUX Group donating an initial batch of 14,500 solar lamps. The lamps will be sold at affordable local prices in communities without electricity in Senegal, Zimbabwe and Zambia. The lamps will be distributed from early 2016.

The solar lamps were designed by Mariana Arando and Luca Fondello, winners of the Natural Light – International Design contest. They were inspired by how natural light can unite people. The design concept of solar lamps makes it possible to connect several lamps, so that everyone can take their lamp to a social gathering and create light together.

The VELUX Group has always been strongly committed to providing the world with new opportunities for access to natural light and fresh air and giving back to society. The company is based on the knowledge of light, and they use their knowledge where they believe they will have the greatest impact. As part of its 75th anniversary, the Group intends to pay greater attention to bringing sustainable, reliable and affordable lighting to African regions outside the network.

About the distribution of Plan International of Natural Light lamps

About the distribution of Plan International of Natural Light lamps

The distribution model used is very similar in concept to micro-loans, in which a small local businessman who can not get loans under normal circumstances – due to the lack of maintained or collateral income – receives the offer of small loans that they help start the business. To get their sales started, these entrepreneurs will initially receive a stock of Natural Light lamps for free. When they have sold their stock, the resulting benefit will provide them with the capital to buy additional sales lamps, creating their own self-sustainable businesses.

Little Sun is a social business and global project founded by the world-renowned artist Olafur Eliasson and engineer Frederik Ottesen to provide clean, reliable and low-cost lighting to 1,100 million people around the world who live without electricity in areas that do not have electricity. The first product of the project, the Little Sun LED solar lamp, is sold worldwide. The purchase of Little Suns in areas of the world with electricity makes them available in areas with no connection to

About the donation of Natural Light

the network at a reduced price locally, providing a clean alternative to expensive and toxic lighting based on fuels, such as kerosene lanterns . Little Sun addresses the need for sustainable lighting that benefits communities outside the network by working with local entrepreneurs, creating local jobs and generating local benefits. The Little Sun project was officially launched in July 2012 at the Tate Modern in London. Since then, more than 300,000 Little Sun lamps have been distributed around the world, almost half of them in areas not connected to the network. In April 2014, Little Sun received a revolutionary $ 5 million impact investment from Bloomberg Philanthropies, making it possible to scale Little Sun’s operations on the continent of Africa. http://www.littlesun.com

Press material in the VELUX Media Center View and download our news videos, photos and press material in the VELUX Media Center through press.velux.com [http://press.velux.com]. Here you can subscribe to our VELUX news [http://press.velux.com/manage-your-subscription-to-velux-email-lists].

How to Utilize A Coffee Maker

And this is what I’m doing, living the rule! That doesn’t imply I am a martyr about this, but it does suggest basically enjoy or possess a few a lot of wines sometimes I ensure I consume clean the next day or juice and have a coffee enema. Or that I’ll uncover some bedroom in my budget to buy organic whenever we can. Because I have a date using the kitchen to make vegetables or that I would postpone out an afternoon sometimes. Health is always top of mind.

Let’s select our iced coffee tastes before itself moves on for the snow. The easiest option would be to focus on a tasting coffee-bean while in the first place. With minor effort on your own component, macadamia nut coffee or hazelnut flavored espresso create delightful tasting coffees as an example. If you don’t possess tasting espresso beans available or roast your personal coffee beans, put in a few drops of one’s preferred extract such as almond extract. Love mocha coffee? Use cocoa powder or chocolate syrup.

You then must also acquire the finest coffee maker should you be considering if merely obtaining the best coffee. There plenty of possibilities in the market nowadays that you could get. You merely must make certain that you get a one that is good. Here are on selecting a good coffeemaker some tips.

Even better, choose a diet modification. But before that, you’ve to cleanse your colon. This is done through several methods like the coffee enema. Into your colon, floor coffee liquid is presented in this through the rectum.

Fourthly, you should cut right out the Caffeine. Some studies claim caffeine benefits your metabolism. But the actual truth is caffeine improves insulin levels and your adrenaline, and that means you could get that coffee kick because the human body needs to proceed through lows and numerous heights but inside the long term it’s not performing miracles on your metabolism.

And yes it must be mentioned that My Coffee Premium prides itself. E-mails to us are responded usually, and within 48 hours on a single time. If a problem is with a customer order, they can anticipate an individual phone call to help them.

Once you have obtained the basket (or even a very plate can be used) comes the truly enjoyable aspect – the stuffing o the basket. This can be where your imagination could shine! The items will be the many tasty parts and determine what to fill the container with can be quite a hard decision. I usually prefer to place a lb or two of gourmet coffee beans as the base of the container. After that, I prefer to stuff it with some entertaining extras, such as tasty baked gifts, an adorable cup, extravagant sugar plus some lovely syrup.