Would you like to start the motorcycle season without having to worry about your insurance? In the field of motorcycle insurance, there are fares with very different price-performance ratio. With the right motorcycle insurance, you can save many times without getting less.

The different types of motorcycle insurance in comparison

As a motorcycle owner you must own a motor insurance. Otherwise you are not allowed on the road. If you cause an accident, this motorcycle insurance covers the costs of the accident opponent.

If damage to your motorcycle is also to be considered, you need a comprehensive insurance. Here one differentiates the Teilkasko and the Vollkasko. The former pays, among other things, for theft and damage caused by bad weather. The latter even works if you yourself have caused the damage caused by an accident. Whether a partial or full comprehensive cover is recommended for your motorcycle depends above all on the value of the vehicle. New motorcycles should be better protected with the broadest possible protection, while used motorcycles usually a Teilkasko is sufficient. In order to find the right fare, you should in any case face the various offers in a comparison.

Cost of motorcycle insurance

Motorcycle insurance offers different regional classes, no-claims classes and discount options. Therefore, the contributions of insurance rates are difficult to understand and the price differences sometimes enormous. So a very good tariff for one vehicle model can be far more expensive for another. An insurance comparison can help you to recognize which offer is most favorable for your motorcycle, your place of residence, etc.

To arrange a cheap motorcycle insurance

Many providers offer individual discounts for certain professional and owner groups. Consider other specific issues, such as the possibilities of excess. If you arrange such, you will have to bear a certain part of the costs in case of damage, but pay less. The higher the deductible in case of damage, the cheaper the contribution you pay. The deductible should not be set too high, just to save costs. In no case should it be higher than the amount that you can realistically afford in case of damage. Otherwise, the cheap motorcycle insurance quickly becomes a cost trap.

Super Saver

Similar to the car insurance for cars, there is also the possibility of reducing the premiums by discounts in motorcycle insurance. An insurance comparison also helps here, as the different insurers grant different discounts.

Compare fares

With a change of insurance you can save several hundred euros a year. Often, almost the same insurance coverage is offered at very different prices. Not infrequently, better services are possible at a lower cost. You should therefore compare the prices and benefits of your motorcycle insurance with other rates to find the best rate for you.

New satchel, new friends: Recently, a new generation of ABC shooters has come into the world, where they learn a lot and become more and more independent. In order to secure their little ones in this way, parents provide with savings, as a representative forsa survey on behalf of CosmosDirekt revealed. 1 Germany’s leading online insurer explains what the right jump-start for school beginners looks like and what parents should pay attention to.

In the first weeks of school, children make their way through the jungle of numbers and letters. But not only ABC shooters, but also their parents are at the start of school before new questions: What belongs to a good education? How can this be financed? According to a representative forsa survey commissioned by CosmosDirekt, 79 percent of parents spend money on the future of their child.

Saving for future plans
In order for the children to be able to realize their future plans, 22 percent of parents pay into a savings contract. 32 percent bet on another investment for the offspring. Just under a third (32 percent) of mothers and fathers provide up to 25 euros per month. More than 100 euros per month save nine percent of parents. “Early saving is worthwhile for the offspring, because those who start on time can build up a solid cushion over the years, even with small sums,” advises Michael Greifenberg, insurance expert at CosmosDirekt.

What children need today
It will take a while until the ABC shooters need the financial support to realize their future plans. However, the family fund is already straining many other issues today, such as a school trip or extracurricular education. “Those who want to be prepared for special expenses should create reserves. When choosing the right investment, however, not only the interest rate counts – it is also important that the money is readily available, “emphasizes the insurance expert Michael Greifenberg.

Secured also in the free time
With the enrollment, the children take their first steps towards independence. They go to school or sports alone, visit friends in the afternoons, or meet up outside to play games. But not always everything runs smoothly. In order for children to be adequately protected while playing and romping in their free time, they need additional insurance cover. For example, 64 percent of parents have private liability insurance. Thus, they are optimally secured even in the case of liability claims due to minor or greater misadventures of their children. Most insurers offer special family rates that also provide for disabled children (under the age of seven).

Additional accident protection
If children have an accident at school or on the way there, the legal accident protection applies to them. Half of the parents (50 percent) have also taken out a private accident insurance for their child to cover their accidents. In addition, 17 percent of parents provide with a child disability insurance. It ensures a monthly income for the child with permanent damage due to illness.

Mothers and fathers would like to protect their children from all risks in life and give them the best prospects for the future. So that the offspring is secured, if something happens, some insurances are advisable. CosmosDirekt clarifies.

“Insurance cover for children can usually be completed quite easily,” explains Silke Barth, prevention expert from CosmosDirekt. “Sometimes parents can also insure their children with themselves.” Even with policies that are actually not related to the offspring, it is worth talking to the insurer. For example, customers with family growth receive discounts on special car rates from some providers.

Car paint scratched? – Help offers the private liability policy
The private liability insurance is one of the most important insurance at all. It is used when third parties have suffered damage, for example, when children have damaged a car while playing. If the parents have a family plan, the children are usually automatically insured and free of charge. But you should definitely report to the insurance that you have children. Single tariffs must be adjusted accordingly.

When inline skating crashed? – The private accident insurance jumps in
The legal accident protection exists only in the school, the Kita or on the direct return route. Most accidents occur during leisure time, for example when inline skating or cycling. Therefore, it is advisable to take out a private accident insurance for the children. It will pay for the consequential costs of an accident, such as special therapies or disability-friendly conversions. At CosmosDirekt, there is the “basic protection” from just under five euros per month.

For the emergency – insurance for child incapacity
Actually, as a mother or father, you do not want to think about it – but the risk that a child may need help for a lifetime, for example, is underestimated by most parents. In the event of an emergency, a child insurance insurance pays a regular and lifelong income, at least alleviating financial worries.

Do not forget: save for the future
Children mess up parents’ finances – and the older kids get, the more money they need. It is therefore all the more important to start early with saving for stays abroad, training and co. Monthly investments offer not only banks or fund companies, but also insurance. The same applies if parents sometimes want to cover higher amounts. The Kinder-SparPlan and the Kinder-SparKonto by CosmosDirekt are particularly flexible, as the parents can access the assets at any time.

Important: insurance cover of the parents
To protect the children also includes the appropriate insurance coverage of the parents. It is very important to secure the children financially in case something happens to the mother or the father. For a risk life insurance for the parents is recommended. “Housewives should take out a risk protection,” advises Silke Barth. “Because the one who cares significantly about the offspring, the partner needs money for the care of the children or a domestic help.” In addition, a disability insurance is recommended.

Save instead of Prassen? Responsible handling of money must be learned. Well trained is, who had to keep his pocket money at a young age. How much, how often and for what elementary school students in Germany get their support today, shows the current forsa survey on behalf of CosmosDirekt. The most important results at a glance.

More than five euros or nothing at all: How many parents give
CosmosDirekt has asked mothers and fathers of first- to fourth-graders what the weekly pocket money is. The result: 17 percent find two to three euros adequate. Similarly many parents (16 percent) can jump a maximum of two euros per week. Five euros and more get 15 percent of primary school students. For 40 percent of respondents, nothing is true: they give no pocket money.

Children’s wallets are filled weekly
In Germany, primary school pupils receive an average of 3.60 euros pocket money per week, that is, on average at least 15.60 euros per month. The majority of parents (73 percent) pay their kids off weekly, making it easier for them to manage their budget. Almost one in four families (23 percent) pays the “mini salary” once a month.

The older, the more: when the “income” increases
Many children are looking forward to their birthday not only because of the gifts and sweets, but also because they automatically slip into a new “income level”. The majority (65 percent) of German parents make the amount of the pocket money dependent on the age of their offspring. For a fifth (20 percent) of mothers and fathers, on the other hand, the child’s behavior is relevant. 16 percent make mini-income dependent on the grade level and 11 percent on the grade.

Cleverly invest pocket money
Investing like the pros – Nicole Canbaz , prevention expert at CosmosDirekt , advises parents of small savings foxes: “Pocket money and money gifts together make up a few hundred euros a year. So that this money is not spent immediately or only for consumption, parents should talk with their child on the subject of saving. Guardians should also invest the money in consultation with the little ones and tell them that it is their savings and remains. 

Once your own parents come to the nursing home, the children have to deal with who is paying for the care costs. If the income and assets of the mother or father are no longer sufficient, the offspring is obliged to maintain. But the so-called parent maintenance has made the legislature very complicated. In particular from when and how much the children have to pay for the care of their parents.

Parental maintenance in case of long-term care

According to section 1601 of the Civil Code (BGB) “relatives are obliged in a straight line to provide each other with maintenance”. Straight lines mean, for example, that parents have to provide for their children or grandparents for their grandchildren financially and vice versa, but siblings are not dependent on each other for maintenance. Clause 1602 (1) also clarifies that persons who are unable to “entertain themselves” are entitled to maintenance.

The topic of parenting is always interesting when the parents become a nursing case. The then incurred care costs, for example, for the accommodation and meals in a nursing home, are only partially covered by the statutory long-term care insurance. If a parent can not pay for the remaining costs, the welfare office will start. This turns in the further course to the children – with reference to the maintenance obligation. With the parents’ maintenance, children and indirectly also children in law secure the livelihood of (parents-in-law) parents, provided that they are financially capable of doing so.

Editorial Tip

The maintenance claim can be lost through misconduct of the parent concerned. These include, but are not limited to, neglect or contact absences, mental cruelty or a crime against one’s own child. Even self-inflicted neediness, such as drug addiction or alcoholism, forfeits the claim. Another reason may be the inadequate build-up of old-age insurance.

Legal maintenance of children

As soon as the Social Welfare Office participates in the home expenses of the parent in need of care, the legal entitlement of the parents to pay maintenance is transferred to the social assistance institution. The legal basis for this is the paragraph 94 of the twelfth Social Code (SGB XII). In this case, the children receive a transfer notification from the social welfare office together with the request to disclose their own income and assets as well as the spouse’s income. This should be followed in time and form. With the data received, the authority checks to what extent parental maintenance has to be paid. There then comes a request for payment, which becomes binding if the debtor agrees. If he does not agree with the calculation for various reasons, the case goes to court. There it must then be decided to what extent the demand of the social welfare office is justified.

Stolperfalle

The Social Welfare Office can reclaim a donation from parents to dependent persons less than 10 years ago. An exception is the gifted home in which the parents had a right of residence. Now that they live in the nursing home, they no longer perceive this, so the social carrier counts the local rent for this living area as income, which can affect the amount of parental maintenance.

How is the amount of maintenance calculated?

In order to set the level of parental maintenance, the Social Welfare Office requires all relevant income data from the breadwinner and his spouse. In addition, the own assets are taken into account in the calculation. In the end it is important to know how high the adjusted income, the deductible and the amount of the protective assets are.

Crediting the income for the maintenance claim

The net income of the debtor will take into account certain items in the calculation of parental maintenance which will reduce the amount of maintenance. These include, for example, contributions to health insurance and private pensions. For the latter, five percent of the annual gross income can be claimed. Also deductible are the travel costs to the workplace and costs for the illness or occupation-related purchase of a car. Also current installment payments and maintenance claims of own children must be considered in the calculation.

After all relevant expenses have been deducted from the net income, this results in the so-called adjusted income, on which the calculation of parental maintenance is based. If the adjusted income is above the minimum self-retention, 50 percent of it must be paid as parental maintenance. The deductible ensures that the debtors are not overburdened and themselves become social welfare. For single persons, the deductible currently stands at 1,800 euros, and the spouse is entitled to an additional 1,440 euros (as of 2015). There are also allowances for children, which are based on the so-called Düsseldorfer table.

sample calculation

The adjusted net income of a single person without children is € 2,100, € 300 above the deductible of € 1,800. Accordingly, the social welfare office has a right to parental maintenance in the amount of 150 euros.

If both spouses have their own income, the calculation of parental maintenance becomes more complicated. Thorough advice from a specialist is therefore inevitable and generally useful as soon as the Social Security Office answers.

Consideration of siblings

Every child is dependent on parents. Accordingly, the social welfare office also turns to the siblings of a debtor. The financial claim is not distributed evenly, but is dependent on the income and assets of each sibling. So it may be that you have to pay even parent maintenance, while the own brother is exempt from it, since his adjusted income is below the deductible.

Crediting the assets for the maintenance claim

In addition to income, the assets are taken into account when calculating parental maintenance. However, if this is protected, the recovery unreasonable or the use of the assets of social services would endanger the adequate maintenance of the debtor and his family, the reserves must not be touched by the Office. Every maintenance person is entitled to a protective capacity. Only when the chargeable assets exceed this amount, parental maintenance must be paid.

In general, there are no binding figures for the amount of the protection, but orientation values. Thus, the protection of persons who live in their own house can amount to 25,000 euros. Incidentally, the social welfare office may not demand the sale of the self-occupied property. Who lives for rent, can have a protective capacity of 75,000 euros. The Federal Court of Justice (BGH), however, has decided that the protection of individual assets may also be higher, especially if it helps to secure one’s own old-age provision.

Beauty must be calculated individually

The judgment XII ZR 98/04 of the Federal Court of Justice of 30 August 2006 is particularly frequently cited when considering the assets. According to this, children with their assets do not have to finance their dependent parents if this is necessary for adequate living and retirement provision. The latter includes not only a self-used property, but also life insurance, jewelry or securities. As the adjusted income accounts for five percent of the annual gross income for private provision, the BGH assumes that it has accumulated a specific amount of four percent interest for retirement provision. This pension fund may not be used by the social welfare office. The determination of the protective capacity is always an individual case decision, since it depends on the age and gross income of the debtor.

The groups of children’s chairs for the car that exist in Spain

The i-Size standard came into effect in 2013 and will coexist with the previous one until 2018. RACE

A chair according to age? the height? The weight of the child? Many parents buy a car seat for the first time and do not know which one to choose. The regulation changes and, with it, the children’s chairs that go out to the market. Therefore, in 20MINUTOS.ES we wanted to review the current approvals and the groups in which the child seats are classified, based on the information collected by the RACE.

Currently, two regulations coexist ECE 44/04, the oldest, and the R-129, called i-Size, in force since 2013. With the new R-129, i-Size homologation, groups of child seats they are organized by height and not by weight, as in ECE 44/04:

• Car seats i-Size (45-75 cm), for children up to one year of age approximately: these chairs are adapted to the new standard and have an ISOFIX anchorage. The carrycot is provided with harnesses to ensure the greatest possible fastening and must be installed in the opposite direction of the vehicle.

• I -Size car seats (up to 105 cm), for children from 6 months to 4 years of age , approximately: these chairs are also adapted to the new standard. They should always be fastened with ISOFIX anchors and have safety harnesses to ensure that they are held as much as possible to the backrest of the chair.

According to the RACE, it is expected that this new standard will be completed in 2017, although its implementation is somewhat delayed . Its phases are the following:

• Phase 1 : New regulations for integral ISOFIX car seats – with two anchors on the back of the seat and another anchor point, either on the ground or on the back of the backrest (up to now groups of weight 0, 0+ and I). In force since the summer of 2013.

• Phase 2 : New regulations for non-integral child seats – those seats in which the child is held by means of adult safety belts (hitherto weight groups II and III). Initially planned for 2016 but delayed until mid-2017.

• Phase 3 : New regulations for integral child seats for fixing with the vehicle belt . Initially planned for 2017.

ECE 44/04 , approved in 1982 and improved four times, classifies children’s chairs into groups according to the weight of the children:

• Baby carriers of group 0 (from 0 to 10 kg): these baskets adapted for newborns should be installed in the rear seats of the vehicle and in transverse position, always placing the child with the head inwards.
• Children’s chairs 0 and 0+ group (from 0 to 13 kg): with these child seats you can take the baby both in the back and in the front of the vehicle. Of course, the passenger airbag must be disconnected or not be available. The chair should be placed in the opposite direction to the gear and anchored to the vehicle. The harnesses of the chair will be in charge of protecting the baby.
• Children’s chairs group 1 (from 9 to 18 kilos): the child is attached to the chair through a harness, and this to the car, allowing placement in both directions of the march. From time to time, as the child grows, it is important to adjust the chair to avoid gaps in both the harness and the installation with the belt. This group of child seats can be purchased with an ISOFIX anchorage and the RACE recommends taking the child in the opposite direction of walking.
• Children’s chairs group 2 (from 15 to 25 kg): thanks to the lift with backrest, you can adapt the route of the 3-point belt to the restraint systems, using the seat belt of the car to hold the child. Children in this group can travel both in the back seat and in the front and in the direction of travel.
• Children’s chairs group 3 (from 22 to 36 kg): this group allows children to go both in the front seats and in the taseras in the direction of the march. With the lifting cushion, the child rises to be able to use the belt of 3 points of the vehicle in a completely safe way. The RACE advises to use a lift with backrest (group II) until the child measures 1.35 meters (in the General Regulations of Circulation indicates that “minors of equal or less than 135 centimeters must use child restraint systems”), if the system allows it.

Although the two regulations will coexist until approximately 2018, the RACE recommends acquiring chairs with the most current and demanding standards, the i-Size.

Regulation in Europe and Spain

At European level, Commission Directive 2014/37 / EU of 27 February 2014 amended Council Directive 91/671 / EEC, concerning the mandatory use of safety belts and restraint devices for children in vehicles . This reform was made to unify at the community level the regulations on child seats that are used on board the cars. It contains the latest technical improvements that these Child Retention Systems must comply with.

At the national level, on October 1, 2015, the modification of the General Circulation Regulations came into force, published in the BOE on July 18, which focuses on safety belts and child protection systems in the country. car.

• More information on the rules of Children’s Chairs on the RACE website.
• More information from the RACE on the groups in which children’s chairs are classified.
• More information on Child Retention Systems in the General Circulation Regulations (Title III, Chapter II, Article 117, p.68).
• More information on Child Retention Systems in the DGT.

Four actions to encourage the saving of your children

Children are children and, as such, they should play and be happy without too much worry. However, they are also sponges that absorb everything that happens around them, which gives us an excellent opportunity to instill basic knowledge about finances that will help them when they are a bit older. We recommend that you put into practice these four actions with which to encourage the saving of your children, because although they are still small, everything they learn already, will come in handy in the future.

Keys to encourage savings in the smallest

1. Pay yourself first. It is proven that the people who save the most are those who, just after receiving their salary income, allocate part of it to savings . In other words, before paying the mortgage, the credit cards or the purchase of the supermarket, they pay themselves first. This is the main habit that we should instill in our children to encourage savings. If they already receive a small weekly pay, let’s teach them to pay themselves first by keeping a small part of the income in the piggy bank. If they practice pre-saving from a young age, they will make it a habit and they will continue doing it when they are adults.

2. Learn to manage your expenses. All families have fixed expenses, such as mortgage, and variables, such as those derived from leisure. It is essential to know how to differentiate one from the other. While the fixed costs are fixed, with the variables there is always room for reduction. Most people do not know how their money is spent because they do not know how to differentiate between their different expenses. From small, children must learn to manage their small expenses. If they receive a payment of 5 euros and 2 euros prepay, what do they spend the remaining 3 euros?

3. Consume responsibly We live in a materialistic and consumerist society. People only think about buying things to be happier with . However, most of the purchases they make only contribute to increasing their poverty instead of their happiness. This happens because they do not practice responsible consumption.
   Young children are a clear example of compulsive consumers. They see something and they want it at once. Not tomorrow or in ten minutes, they want it now. You have to know how to take advantage of these moments to teach them how to consume responsibly . If since we are children we give them all the whims, they will continue to have whims when they are adults and will not have that ‘culture’ of encouraging savings.

4. Debt is expensive. Bank loans are the order of the day, to the point that many people prefer to borrow money instead of saving . No one stops to think that behind that advertising banner in which they invite you to change cars for only 180 euros per month, you hide the payment of 7-8% interest, in addition to important opening or management fees.
   Children have to be shown with simple examples that getting into debt is expensive and not without risks . It is no longer just about explaining that the debt is bad, because not everything is, but they understand the risks of it. It is always preferable to save first and buy later instead of borrowing to make the purchase.

What do you think of these tips to encourage savings among children? Do you already apply any of them?

Bank accounts for children – Promote savings

Bank accounts for children are a type of bank account aimed at children , so that from very young they learn both how to save money and manage their money under the supervision of their father or mother or guardian. Next, we collect updated information on accounts for children and a list of the best savings accounts of the moment.

How do the accounts for children work?

Usually, the operation of bank accounts for children is usually quite limited , since they have been specially designed to encourage savings. In addition, the child needs the authorization of his legal representative (father, mother or guardian) until 14-16 years to carry out most of the usual operations. Only, you are allowed to make cash income without the supervision of an adult , but you will not be allowed to make cash withdrawals until you reach the age of 14-16 years or even the age of majority.

In some cases, and depending on the bank where it has been contracted, this bank account can incorporate the possibility of hiring a prepaid card in which the parents or guardian deposit a certain amount of money so that the child can make their first purchases in a controlled manner. .

What are the hiring requirements?

As a general rule, banks do not usually establish requirements that are difficult to comply with when contracting a bank account for children. To date, among the conditions most frequently requested by credit institutions are the realization of an initial income or a periodic income that reaches a minimum amount or, failing that, maintain a certain average balance in the account .

Whatever these conditions may be, they must be reflected in the bank contract. In the event that they suffer any modification, the credit institution would be obliged to inform at least two months in advance of said changes, either by ordinary mail, by telephone or through the remote banking service that we will find available in its corresponding web page.

Who is the actual owner of the account?

As for the ownership of banking products aimed at children, the child is the sole owner of the bank account . However, the adult who has parental authority of the minor, whether his or her father, mother or legal guardian, will become their legal representative and, in most cases, will have authority over the money deposited in the child. Bank account.

However, even if the child is the owner of the account, who will make the decisions about the operations will be the legal guardian.

What advantages can we find?

Accounts for children are usually characterized by offering their holders some advantages in exchange for maintaining an average balance in account or making cash income on a regular basis .

All these benefits not only serve as a strategy to attract new customers, but also a way to build loyalty and create a link between the bank and the owner. Among the most common advantages we find:

• Profitability for unlimited time

• Gifts for children ( tablet , game consoles, music players, etc.)

• Discounts on cultural and leisure activities

• Promotions at the entrances of theme parks, cinema, theater, etc.

Current trends in the financial market for children

It is increasingly common to find accounts for children who have a series of mobile or tablet applications , which allow children to manage their own finances .

In addition, these interactive tools have facilitated the creation of a new concept of online savings for children known as collective goals or collective savings . This system allows adults to establish a series of goals for children (doing homework, helping with household chores …) and as they go about fulfilling them, the adult makes an income. When the child has completed all the tasks, he / she will have accumulated enough money to carry out a goal (trip, entrance to a theme park, toy …).

Thanks to the efforts made by some banking entities to incorporate new technologies in the accounts for children, educating the youngest members of the household in financial matters has become a much more enjoyable task. Most banks have applications that facilitate the control of finances. Some of them have even launched financial games with the intention of teaching and entertaining the little ones.

What happens when the child is of legal age?

Usually, banks usually transform the child account into a young account almost automatically , when the holder reaches an age between 16 and 18 years, depending on the policy of each bank.

In this way, the owner has expanded the operation of their bank account, as well as modified most of the advantages to which he had access. All this, with the intention of adapting to the new customer profile and to its economic needs. However, the conditions of the account can also vary , so it should be monitored that the bank does not start charging any commission, although generally the accounts for young people are free.

38% of mothers have as main concern the financing of their children’s studies

The European Financial Planning Association (EFPA) has published a study on the main financial concerns that, according to the advisers surveyed, women have. In this case, just like last year, the funding of the children’s studies is the main concern of the mothers , according to 40% of the respondents. Then, 21% of financial advisers state that the main concern women have comes from personal financial independence . In third place, 18% of them worry about buying a house.

Guide How to pay for your studies without mortgage

Women think more and think long term

One of the most outstanding data is that 6 out of 10 advisors surveyed believe that women have a fundamental role in the financial decisions of the family . This is mainly due to the fact that as a general rule, in financial matters, women assume less risk and think more in the long term. Especially when it comes to investing, in this case, 55% of respondents say they establish longer periods of reflection, according to EFPA Spain.

Regarding the level of education and interest in finances, women are at equal levels with men. In the same way, they have the same level of knowledge of the different financial products of the market . However, 64% of respondents feel that women value financial counseling more than men.

Loans for students that alleviate the concern

As we have seen, four out of six respondents believe that paying for their children’s studies is the mothers’ main concern. So we are going to see the main methods of financing that we can find in the market:

• We can go to our bank to see if we have access to pre-granted loans that have conditions and advantages that interest us.
• Fast loans are another possibility , although it is not the most appropriate because they are not specially made for that purpose and we can find other cheaper financial products. However, they allow us to obtain money very quickly to face the payment of tuition, for example.
• Another method of financing is loans for students that are specially designed for this purpose and therefore tend to have more competitive interests.

These are just some examples of the wide range of financing that we can find in the market to face the payment of the studies of our children. When we stop to look for different options, both from private lenders and banks, we make sure to find the cheapest one and the one that suits us best.

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