Challenges of the Autonomous State, financing of terrorism and energy, protagonists this week

Challenges of the Autonomous State, financing of terrorism and energy, protagonists this week

The summer courses of the Menéndez Pelayo International University (UIMP) will address, in its fifth week of academic activity, topics such as the financing of terrorism, the challenges of the Autonomous State, energy in the new digital era or the right to decent housing, and will be attended by the Secretaries of State of Energy, José Domínguez, and Justice, Manuel Dolz.

Macrotendencias such as electrification, energy efficiency, the reduction of costs of technologies or the integrating role of the networks show how the future of energy will be and on what pillars the transforming strategies of companies in the sector will be supported, are some of the topics that will be addressed by the meeting The energy of the future in the new digital era (July 16 and 17).

The Secretary of State for Energy, José Domínguez; José María Marín Quemada, president of the National Commission of Markets and Competition, Jorge Sanz, president of the Commission for the Energy Transition or María José Rallo, general secretary of Transport of the Ministry of Development, among others.

Another of the essential events of the week will be the meeting The financing of terrorism (from July 18 to 20), which will provide a historical perspective on this issue in Spain, but also in other countries. That look at the past will be completed with other analyzes on how the financing of terrorism by security forces operates and how it is pursued at present.

To do so, it will include presentations by María del Mar Blanco, president of the Victims of Terrorism Foundation, Florencio Domínguez, director of the Victims of Terrorism Memorial Center, Juan Carlos Calleja, money laundering prevention service, SEPBLAC or Manuel Ventero, director of Communication and Institutional Relations of RTVE.

Financing will also be discussed at the meeting The challenges of organization and financing in the Autonomous State Reform or collapse? (from July 18 to 20). “Given the current reality, it is necessary to establish a minimum basis to dialogue and solve problems from serenity and common respect.” That is what this meeting intends, “to make an analysis of the model and the possible alternatives to the territorial coexistence of the State”, as reported by the UIMP in a press release.

For its part, the meeting The right to decent housing in Spain today (July 19 and 20), will have as speakers the Supreme Court magistrate, José Manuel Bandrés, the ombudsman, Francisco Fernández Marugán, the president of the Federation of Housing Cooperatives, Juan Casares, the spokesman of the Platform Affected by Mortgages (PAH), Francisco Morote, or the economist Ramón Tamames.


In the meeting Ibero-American Cultural Space: audiovisual and sports (16 and 17 of

July), will feature personalities such as the president of EGEDA, Enrique Cerezo, the directors and producers Gerardo Herrero and Álvaro Longoria, the writers and essayists Fernando Savater and Enrique Krauze, the former president of Uruguay Julio María Sanguinetti or the president of the Liga de Fútbol Profesional , Javier Tebas.

There will also be a meeting of Multilatinas companies (from July 18 to 20), which this year celebrates its fifth edition under the title Growth, development and integration in the Ibero-American community, and in which the former Minister of Economy, Ramón Escolano, will participate. Director of International Relations of Iberdrola, José Gasset, the President of the Ibero-American Business Foundation and former Minister Josep Piqué i Camps, again Sanguinetti, the President of the Official Credit Institute, Pablo Zalba, the former Minister and Vice-President of the FIE, Trinidad Jiménez and the Former Director of the UIMP, César Nombela.

The meeting VI Collecting, appreciation and value of contemporary art (from July 16 to 18) will discuss the new encyclopaedists: the artist as a collector / collector as an artist. It will feature artists such as Ignasi Aballí, Kurt Caviezel and Corinne Vionnet, the president of the IAC, Isabel Durán, the gallery owner Pilar Serra or the president of the Association of Private Collectors of Contemporary Art, 9915, Jaime Sordo.

Hand in hand with the Cultural Association Plaza Porticada, the UIMP will celebrate the meeting Arts, letters and sciences: Santander creators. Jesús Flórez, a committed scientist (July 16 to 18). Directed by Ángel Pazos, rector of the University of Cantabria and María Hurlé, Professor of Pharmacology, the course will analyze the life and work of Flórez as well as its impact on society as a teacher, scientist and person committed to the most vulnerable.

For his part, the designer Juan Vidal will give the workshop of the author and his work Fashion: imagination, intuition and feelings in the creative process (from July 16 to 20).


The meeting Criminal process: fundamental rights and advocacy in other judicial and administrative proceedings (July 19 and 20) will review the challenges that the current reality poses to maintain and strengthen the guarantees of fundamental rights in the criminal process. José Javier Huete, prosecutor of the Coordinating Committee for Minors of the Attorney General’s Office, Manuel Marchera, president of the Second Chamber of the Supreme Court or Guillermo García-Panasco, fiscal lieutenant of the Technical Secretariat of the State’s Attorney General will speak.

This week also returns to the Palace of the Magdalena the meeting A justice of the future (July 16 and 17), which in its fourth edition aims to address with the main experts of the Administration of Justice, the search and development of a new model that allows respond to the needs demanded by citizens.

Among others, the Secretary of State for Justice, Manuel Dolz, the president of the Observatory against Domestic Violence and Gender, María Ángeles Carmona, the General Secretary of the Santander Council, Adolfo Díaz-Ambrona, the President of the General Council of Procurators of Spain, Juan Carlos Estévez or the president of the General Council of the Spanish Law, Victoria Ortega.

The meeting The investment, financing and management of transport infrastructures (July 16) will be inaugurated by the Secretary General of Infrastructures of the Ministry of Public Works, José Javier Izquierdo and the President of the General Council of Economists, Valentín Pich.

The Secretary General of Transport of the Ministry of Development, María José Rallo, the president of the Engineering Institute of Spain, Carlos del Álamo, the financial economic director of Globalvia, Alberto García and the former Secretary of State for Infrastructure, Transport and Housing, Julio will speak. Gómez-Pomar.

Schools will also be very present this week, such as the XIXth Biology course by the scientist Margarita Salas, in which the researcher, molecular oncologist and former director of the National Center for Oncological Research (CNIO), Mariano Barbacid, will intervene.

Almost half of Barcelona families suffering from energy poverty have dependent children

Almost half of Barcelona families suffering from energy poverty have dependent children

In about half of the families in Barcelona with difficulties in paying electricity, water or gas bills, 48.4%, there are minors. On the other hand, in 54.3% of households where people affected by this problem live, that of energy poverty, all of them are unemployed and 67.9% of those who suffer from it are women. They are data of a report that has presented / displayed this Thursday the City council, elaborated from the analysis of the people who go to the 10 Points of Energetic Advice (PAE) that there is in the Catalan capital.

These, which provide information and help to all citizens who request it and have been in operation for a year, have attended at the moment 22,887 people from 8,310 households – a university study of RMIT Europe number in 170,000 citizens affected by this type of poverty in Barcelona, ​​which translates into 10% of the population. In addition, the deputy mayor of Drets Socials, Laia Ortiz, has pointed out that the PAE have avoided 5,020 cuts of supply to economically vulnerable families.

Among the achievements of the municipal government, Ortiz announced, is also to have got Aigües de Barcelona (Agbar) has signed an agreement by which he agrees not to cut water to anyone without first informing the Consistory, to prevent it from see disadvantaged citizens at risk of exclusion. The City Council, for its part, is responsible for finding out if there is a situation of vulnerability within a maximum period of 15 working days. In case there is not one, the company will be able to contact those affected and will have to give them 30 calendar days so that they have the opportunity to settle their debt and thus avoid a suspension of supply.

After announcing the contents of this agreement, the deputy mayor explained that work is being done for the other suppliers to sign similar ones and has informed, in more detail, the results of the report about the people served in the PAE . It has indicated, among other aspects, that the most frequent thing is that they are between 35 and 54 years old and that 44.9% are from outside Spain , while 39% were born in Catalonia and 16.1%, in the rest of the State.

Ortiz also pointed out that 11.9% of families requesting care are single-parent and that 4% have one of their members connected to a healthcare machine with an electrical connection. 30% declare living in floors with damp or structural defects.

The report also reveals that the vast majority of those served do not know their rights as an energy consumer. Thus, 86% of the families do not benefit from the discount of the social bonus and 92.8% do not have hourly discrimination.

And as for the activity of the PAE, the study shows that during its first year of existence have managed 1,200 social bonds , in addition to 1,428 changes of power with supply companies that have saved those affected by energy poverty 54,000 euros. They have also processed 860 changes of ownership of contracts.

These advisory points have an annual budget of 2.2 million euros and a staff of 50 professionals.

Five sanctions

To date, five sanctions have been imposed on Endesa for a total value of 350,000 euros for having cut off the supply to families without having previously consulted the municipal social services if they were in a situation of vulnerability and having thus violated the Catalan law 24/2015 of energy poverty.

There are also 17 other disciplinary proceedings, both against this company and against GNF, Iberdrola and Aitel, which follow their path and are in different stages of processing.

Last December a sentence annulled the protocol for the application of this law but the City Council still considers it fully valid.

Electricity, among the most expensive in the EU

In addition to the municipal study, another one has also been presented by the university team of RMIT Europe. Its director, researcher Sergio Tirado, has pointed out that in the majority of households where energy poverty is suffered “electric heat predominates , which is problematic because the prices of electricity in Spain are among the highest in the European Union (EU ) “.

The report of RMIT Europe also points out that Ciutat Vella is the district of Barcelona where there is more energy poverty . They are followed by Nou Barris and Horta-Guinardó.

Loans and state aid to improve the energy efficiency of our home or community

Loans and state aid to improve the energy efficiency of our home or community

Both for safety and for energy saving, old homes need reform sooner or later. Not only for aesthetics, then, deficient electrical, gas and water systems can generate serious problems or accidents such as fires or floods. In addition, adapting our house to an efficient consumption allows us to save in the long run and help to improve the environment. However, this type of works usually have a cost for which we may not have money now and need to resort to loans or other aid . Today we are going to see two types of financing: a state one through the Housing Plans and another one of private capital through loans.

Program 5 of the State Housing Plan 2018-2021

The Ministry of Development has presented the State Housing Plan 2018-2021 through Royal Decree 106/2018, of March 9. This provides various aids for rent, for people in situations of eviction or for young people, for example. In total there are 9 different programs. Program 5: Promotion of the improvement of energy efficiency and sustainability in housing is what interests us for the topic that we are going to discuss today. The main features of this program are:

  • Aid aimed at improving energy efficiency and the sustainability of single- family homes and buildings.
  • Who can request them? Owners of single-family homes, apartments and entire buildings, both natural and legal persons. They can also request communities of owners, cooperatives, construction or rental companies and energy services companies.
  • Some requirements: priority to homes prior to 1996. In addition, they are required to be habitual and permanent residence of the owners or tenants . In the case of buildings, at least 50% of the houses must be habitual homes. We must also present a technical report that proves the need to reform the house.
  • Amount of aid: for single-family homes, it will not exceed 12,000 euros or 40% of the eligible investment . When income in the single-family home is less than three times the Public Indicator of Income of Multiple Effects (IPREM), the aid may reach 75% of the investment. As for the aid allocated to buildings, the amount to be granted will not be greater than multiplying 8,000 euros for each dwelling . In addition, it can not exceed, on the other hand, 40% of the investment of the action.

These features are very general and the aids contemplate other peculiarities, so if we believe that our home falls within the basic parameters and conditions we can inform ourselves more thoroughly. In this way, we will know if we are possible beneficiaries of these aids and we can rehabilitate our house making it sustainable.

Private equity reform loans are another option

If this state aid does not adjust to our reality or is not destined to our circumstances, almost all banks and private equity lenders have some reform loan that can help us finance the works of our house.

Loan Maximum quantity Cost Advantage I’m interested
Cetelem Reform Loan € 60,000 From 5.95% TIN (6.12% APR)
  • Zero commission
  • Without links
  • Without changing bank
Apply for
P2P Loan Reform Younited Credit € 40,000 From 5.92% TIN (7.72% APR)
  • Commission for management
  • No linked products
  • Without changing bank
Apply for
EVO Finance Personal Loan € 30,000 From 7.00% TIN (7.23% APR)
  • No commission opening or study
  • Without links
  • It is not necessary to change bank
Apply for

Contemplating the different financing options for our reform can save us. In addition, we can combine both state aid plus loan reform. The ideal is to compare several options to make sure we choose the best one.