“The Secretary of State for Research, Development in Innovation has published in the Official State Gazette the calls for grants ‘Torres Quevedo’ and ‘Industrial Doctorates’, endowed with 18 million euros.

Both calls contribute to the hiring of doctors in companies and aim to promote the professional career of researchers, as well as stimulating the demand in the private sector for personnel sufficiently prepared to undertake R & D plans and projects, and to help the consolidation of companies. recently created technologies. The call ‘Torres Quevedo’ will finance the hiring of 200 doctors in companies for 3 years, which represents an investment of 15 million euros. The call for grants ‘Doctorates Industrial’, endowed with 3 million euros, is aimed at the training of 50 doctors in companies, also constitutes a preliminary step in the consolidation of doctors in companies, having a way of continuity and stabilization with their own helps ‘Torres Quevedo’.

Application deadlines:

Torres Quevedo Grants: from February 2, 2016 to March 1, 2016 at 3:00 p.m.

Grants for industrial doctorates: from February 4, 2016 to March 3, 2016 at 3:00 p.m. (Peninsular time). “

If your family is similar to the others, there is a good chance that your summer has cost you something expensive . You have been abroad or in Spain, it seems that in summer the money vanishes from your portfolio. From meals to dinners, to family activities, it seems that our expenses have no limit.

Almost 22,000 households participated in the International Summer Barometer of the Ferratum Group 2018 , a survey that studies the consumption of 18 countries around the world in the summer holidays. In this year’s edition, 26% of respondents said they expected to spend more money this summer than the previous one, while 40% said that the expenditure would be the same as the previous year.

Although we are beginning to face the last weeks of summer, there is still much sun to enjoy . But will your balance in the bank survive? Relax, at Ferratum Money we have a tip for you.

We know what you’ve spent money on in the summer

When asked about the percentage of the monthly salary they were going to spend , the results showed that Norwegians would use 68.5%, Latvians 67%, Croats 61.2% and Mexicans 60.3%.

And on what do all that money spend people? According to the results of the survey, the main expense would be domestic trips (11.3%) , followed by fashion purchases (10.7%) and social activities, such as trips to the beach, parties and meals in restaurants (10%). .

Those who planned to travel said they would dedicate almost 40% of their average summer budget to it. More specifically, the German participants claimed that 50.8% of their budget would be spent on travel, the Bulgarians 45.8%, the Finns 41.1% and the Poles 40.1%.

The best things in life are free

Summer should not cost you an eye of your face. If you have spent more than expected this summer, like many other families, the best way to reduce your expenses is to look for free activities (or almost) that you can enjoy with your family.

Prepare your own meals and take them to a park to enjoy with your family in a relaxed way. And if you do not want to stop going to cafes and restaurants, check out our tips for cheap dining out and about .

Summer is synonymous with going to the beach. And the best thing about going to the beach is that it does not cost money except, perhaps, the price of transportation. Take advantage of these last days of heat to the fullest, then in winter you will miss them.

Discover activities or monuments near your city . As you can imagine, the trips by car or train around you are much cheaper than a trip abroad. In addition, museums and galleries in most cities offer free admission on certain days of the week or at certain times. Take a look at their web pages and take the opportunity to visit them.

And go to the cinema? Truth be told, it’s still very expensive, and not only for the price of the tickets , but for everything that goes with it: popcorn, drinks … you end up going for a peak. Instead, why not rent a movie in iTunes or see one of your favorite platform and buy, much cheaper, all the food you want?

“I can not think of any childhood need as strong as a father’s need for protection.” Sigmund Freud

When we consider something as important as the health of our family , we must take into account many variables. There are a number of important aspects of which it is necessary to look at when choosing a health insurance for the family. In addition , many insurers make special discounts to insure the entire family group . Below we answer some of the questions that you can think about when making this decision:

1. What coverages does family insurance have?

Before hiring any family health insurance, we recommend that you analyze all the coverages offered by each one of them , and not only the most basic but also the most innovative and leading in the market. The generic coverages of a family health insurance are the following:

• You can go to the best centers and medical specialties with 100% coverage and without limits.
• You have multiple payment options : you can pay annually or quarterly with a discount; or, if you prefer, on a monthly basis .
• It includes dental insurance for a small additional amount for each member, being able to access thousands of clinics throughout Spain.

There are other specific coverages that a family health insurance offers you, such as the following:

• Prosthetic coverage without limit.
• The most advanced diagnostic means in the market .
• Travel assistance with medical, surgical, pharmaceutical and hospitalization expenses covered up to a variable amount according to the insurer.
• Organ transplants
• Emergency access, general ICU / UVI or pediatric without limits.
• Free Choice of a multitude of doctors and clinics.
• Hospitalization 100% included

2. How much does this type of insurance cost?

In the different insurers usually make special discounts for the family group , as we have previously anticipated. These discounts may be higher depending on the type of payment : annual, quarterly or monthly.

In addition, in some cases they require a small additional amount for special coverages such as dental coverage . They do not include co-payments, so they always have a fixed fee that does not increase with the greater or lesser use of healthcare.

3. How to know if family insurance is the best for my family?

A family insurance is ideal for parents who want to have medical coverage for the whole family in case of any eventuality or unforeseen event that may appear. In addition, you can enjoy the best private centers without waiting lists and with a fixed fee .

As we have already said, if you are thinking about traveling with your whole family this holiday, this type of insurance will give you and your family enough protection against any problem that may arise when you are enjoying your family leisure. Make sure and just think about resting.