The Anti-Corruption Prosecutor's Office numbers 4.9 million illegal financing of the PP in the Punic



Eloy Velasco

The judge of the National Court Eloy Velasco, in a conference. EUROPE PRESS

The judge of the Audiencia Nacional Eloy Velasco, which investigates the Punic plot, considers that the PP of Madrid had ‘B’ accounting of electoral expenses in three electoral campaigns, two of them municipal and autonomic (2007 and 2011) and another one of them of General Elections (2008) and the Anticorruption Prosecutor’s Office figure 4,916,000 Euros for the irregular financing of the Madrid PP.

The judge maintains that the Civil Guard has been able to prove that “important electoral expenses” of the 2007 and 2008 campaigns and “indirectly” of the 2011 campaigns were paid through “public subsidies” from the Community of Madrid through the Fundescam Foundation.

Velasco, in the documentation that works in the summary, points as responsible to the former Minister of the Presidency and former Secretary General of the PP of Madrid Francisco Granados; the former treasurer of the Beltrán Gutiérrez party and the ex-Minister of Transports Ignacio Echevarría, all of them Fundescam patrons .

4.9 million euros of irregular financing

This money was not included in the electoral accounting, so Anticorruption indicates a possible electoral crime The Anti-corruption Prosecutor’s Office figures in 4,916,000 euros irregular financing of the PP of Madrid in 2007, 2008 and 2011 through the Punic network, a figure that obtains adding the money that spent more in the electoral campaigns of those years and that did not include in its electoral accounting.

In a report dated March 8, the Office of the Prosecutor highlights that the PP was launched “a decision group”, led by the former Madrid-based Francisco Granados and the ex-manager of the regional party Beltrán Gutiérrez, which used several “irregular financing channels” “to pay the excess expenses of those three electoral campaigns.

Calculate that excess from the study of the B accounts that Gutierrez was found and divide it by years, so that in 2007 they were 2,685,000 euros, in 2008 685,000 and in 2011 1,546,000 euros; in the latter case “without counting the party’s operating account , which was not an electoral account”.

“The Popular Party presented an electoral accounting of resources and expenditures in which it did not include these amounts, ” Anticorrupción notes immediately after said report.

The document analyzes the two seized effects that have been key to finding evidence of irregular financing of the Madrid PP: a notebook or “black notebook” found at the home of Granados and a pendrive found to Gutierrez.

In the book there are handwritten annotations about electoral campaign events from September 2010 to April 2011, and on a sheet there are two columns “IN-OUT”, where, says the Prosecutor’s Office, “allegedly related income of certain entrepreneurs” and they are linked to outings to people like Granados and Gutiérrez.

The “second important finding for the investigation” was the intervention of two pencils of memory of Gutiérrez in the register at home in February 2016, whose analysis “reveals the existence of an accounting B of electoral expenses of the electoral campaigns of the years 2007 , 2008 and 2011 (municipal, autonomous and national) “.

Of these tests, say the prosecutors of the case, it is extracted that a financing channel was through businessmen who did electoral works for the PP and who “agreed to bill whoever was indicated to them by the Party Management”.

The amounts were broken down so that one part was declared to the Court of Audit and another, on the other hand, was opaque. In these invoices, the amounts were broken down so that one part was declared to the Court of Auditors and another, on the other hand , “was opaque .

Thus, in 2007, 2008 and 2011 the PP of Madrid could have violated the electoral regulations and exceeded in each campaign the spending limits, “deriving its payment to opaque channels of illegal financing”.

“The electoral account of the Party did not collect either the income of all the funds destined to defray the electoral expenses, nor the payments of the same”, says the Office of the Prosecutor.


Another “very active instrument” to finance the party was the Fundescam foundation, through which public subsidies were diverted from the Community of Madrid to the financing of the PP providers. “These payments to suppliers were grossly deviated from the purposes” of the foundation, added the fiscal ones.

Donations were also made to this foundation by people later benefiting from public contracts, as was the case of businessman Arturo Fernández, and a third way has also been detected by which companies received direct awards from the City of Pozuelo de Alarcón in exchange for organizing events for the PP.

The Office of the Prosecutor believes that this diversion of funds for the party was made through a “structure of decision cohesive in time” and formed by directors of election campaign committees, president, secretary general and vice president of the Government of Madrid, as well as the Manager and other positions of the PP and members of the contracting tables of the Community.

The “most active” participants in that network, Gutiérrez and Granados point out, were “for their coinciding responsibilities in the party , in the regional government, in the campaign committees and in the Fundescam foundation.”

This group of people, he adds, is the one who launched a plan of various ways of irregular financing of the PP to pay the “excesses” of spending on campaigns.

The report describes the events as crimes of embezzlement , bribery, falsehood, electoral crime, prevarication and money laundering and poses a series of entries and records to employers.

1.7 million diverted by the PP of Madrid

On the other hand, the Central Operative Union (UCO) of the Civil Guard believes that the popular group in the Madrid Assembly irregularly diverted 1.7 million euros from its budget to the PP in Madrid to defray the costs of the election campaign of the autonomic elections of the year 2007.

The armed institute found among the documentation related to the financing of the expenses of the aforementioned campaign a note of 1.7 million euros indicated as income to the Madrilenian PP that the “PP Assembly Group” would have sent to it , which, according to the UCO, refers to “the Popular Party group of the Assembly of Madrid”.

This is reflected by the UCO in a report dated September 22, 2016, which is included in the summary of the Púnica case, and in which it requested the investigating judge of the case, Eloy Velasco, to request the bank where the popular group had its account. all the information related to the movements , as the magistrate did.

The UCO argues that in the current operating account of the PP of Madrid -which can not be used to bill campaign expenses- were found two incomes of 850,000 euros each “arising from the current account of the Popular Parliamentary Group of the Madrid Assembly” , which could correspond to the 1.7 million mentioned above.

On the other hand, the Civil Guard notes that the Madrid PP “could have billed acts of the election campaign through a company interposed -Sintra Consultores-” using the aforementioned account and not the one that should be used to collect expenses and income made in the campaigns.

Specifically, it details a payment of 517,168 euros of the match to this company in advisory concepts, an amount very similar to that reflected by Sintra in concepts of operations with third parties in a tax return.

“This operation could also respond to the purpose of masking electoral expenses that, in that way, would not be audited, taking into account that the only current accounts audited for electoral purposes are the accounts opened for the electoral campaign,” reflects the UCO.

The Civil Guard explains in this same report how in a memory pen found in the registry the ex-manager of the Beltrán Gutiérrez training, a document with the name “Special Contributions” was found with payments in 2007 from different people and companies to the foundation of Comunidad de Madrid Fundescam for a total amount of 376,000 euros, which was allegedly used to pay electoral expenses for the PP in Madrid.

And it emphasizes, above all “by its amount”, the payments to Fundescam linked to the ex-president of the Madrid employers’ association Arturo Fernández (100,000 euros through the Confederation of Businessmen of Madrid and another 60,000 through its business group, Cantoblanco) and another of 60,000 euros related to Gecesa-Management of Educational Centers.

Private participation in the second rescue of Greece will be about 49,000 million euros


The second rescue program for Greece will amount to some 109,000 million euros (between the eurozone and the IMF), to which are added about 49,000 million from the private sector, announced on Thursday the German Chancellor Angela Merkel . In total: 158,000 million euros between 2011-14.

In that private participation, some 12,600 million will come from the repurchase of Greek bonds by participating entities, Merkel added after the summit of the eurozone that approved the new rescue program for Greece. The rest (37,000 million) will be a “net contribution”.

The leaders of the euro zone also agreed to a reduction in interest rates and longer maturities, with private participation, to improve the sustainability of the Greek debt.

These measures ensure the sustainability of the Greek debt In particular, the Heads of State and Government of the Eurozone will extend as much as possible the repayment terms of the loans from the rescue fund, the European Financial Stabilization Facility (EFSF), from the current seven and a half years to 15 years (with the possibility of up to 30 years and a grace period of ten years).

In addition, the interest rates of the credits of this instrument will be reduced to approximately 3.5%. The president of the European Commission, José Manuel Durao Barroso, said that these measures “ensure the sustainability of the Greek debt” in the long term.

There will also be an “adequate” control program on these loans and another incentive program to implement the reform plan, including guarantee agreements. In addition, the powers of the European Financial Stabilization Facility (EFSF) are extended so that it can act for the first time to prevent possible contagion to other countries, including those that do not have rescue programs.



The President of the Spanish Government, José Luis Rodríguez Zapatero , has been convinced that the agreement will generate certainty in the markets and will allow to relax the tension and generate confidence and tranquility.

Zapatero has expressed that opinion in the press conference he has offered at the end of the summit of the eurozone and in which he stressed that the meeting that faced the heads of State and Government of the countries that share the euro was decisive “A strong, concrete and precise agreement has been reached, which must convey confidence and credibility and, above all, allow the countries of the euro zone to have expectations for the economic recovery,” he added.


For his part, the president of the European Central Bank (ECB), Jean-Claude Trichet , said he “does not believe” that the second aid program agreed for Greece could lead to default, and added that the EU countries “they are ready” in case this is reached.

“I do not think that the experts who analyze the agreement consider that they are going to arrive at a credit default”, Trichet affirmed in a press conference, in which he has described as “crucial” the plan agreed by the leaders of the euro countries. . On private participation, it must be “totally voluntary,” insisted Trichet.

We have found a common response to the crisis The German Chancellor, Angela Merkel, was satisfied with the outcome of the summit of the eurozone because the leaders have shown “responsibility” to Europe and the single currency. ” I am satisfied with the result , because the member states have shown that they are up to this challenge and have shown capacity for action and responsibility towards Europe and our common currency,” he said at a press conference.

“We have found a common response to the crisis,” the president of the European Council, Herman Van Rompuy , said after the Eurogroup summit, with measures to guarantee the sustainability of the Greek debt and prevent contagion to other countries, since “the situation It was really serious. “

Rajoy: "Galicia has done its homework and has not had to ask for loans or loans to the State"

  • The president of the Government puts as an example of good government to Núñez Feijóo: "It will be, if possible, a better president than it has been these four years".
  • It takes unity "to leave together the crisis in which we got some."
Rajoy - Feijóo

The President of the Government, Mariano Rajoy, together with the Galician President, Núñez Feijóo, at a meeting in Pontevedra. EFE

The President of the Government and leader of the PP, Mariano Rajoy, has claimed "the unity" of the Spaniards to leave all together of the crisis and has explained that in the Galician elections on October 21 to vote for the candidate of his party, Alberto Núñez Feijóo, is "vote for the unity of all Spaniards." In addition, he put as an example of government the president of Galicia for not asking "neither credits nor loans" to the State.

Galicia needs to have a firm hand at the helm and not five or six

In his first foray into the Galician electoral campaign, at a rally in Pontevedra with some twelve thousand people, according to the organizers, he has focused almost all his speech on words of support for Núñez Feijóo.

During his speech, the leader of the PP has acknowledged that Spain is going through "difficult times", but has explained that politicians voluntarily come to the elections and must govern "in any circumstance."

"I have made difficult decisions, very hard, I can assure you that nothing pleasant, but it is because I think that is what Galicia and Spain need ," he said.

Do not repeat mistakes

"Galicia needs to have a firm hand at the helm and not five or six fighting the rudder, that is not possible, voting for Alberto (Núñez Feijóo) is to vote for confidence, exit from the crisis, economic recovery, unity of all Spaniards. It needs this unit so that we all leave together from the crisis in which we got some, "he said.

He pointed out that Núñez Feijóo is "a sure bet" not to repeat "old mistakes", in reference to the bipartite between PSdeG and BNG between 2005 and 2009, since "there can not be a different party" in each Consellería, because a Government " It is a very serious thing and not a cake that is shared by four or five people. "

The example, Núñez Feijóo

Rajoy is committed to "keep telling the truth" , as this is a "difficult time", but he has been convinced that the PP is always for difficult times, "he took on the challenge and will continue to do so, as in other occasions. " And for that he has set an example to Núñez Feijóo, the candidate of his party for re-election in Galicia.

He was able to see the crisis when others lived in a happy world

"Alberto has given the stature", has highlighted Rajoy. "I said it almost four years ago and as everyone knows it was, and now I will say something else , it will be, if possible, a better president than it has been these four years ."

"He has been a real politician, of those who are needed in times of difficulty . " He assured that Núñez Feijóo "was able to see the crisis when others lived in a happy world" and that he knew how to make an "accurate diagnosis" of what was happening.

Rajoy stressed that the Xunta and its president "has done his homework" and " has not had to ask for loans or loans to the State ."

In addition, he said, Feijóo has managed to combine the control of the deficit with "the opening of health centers and public hospitals, while others sadly closed them," and has also provided "solutions in difficult times."

Demonstration by preferred

More than fifty people affected by the preferred and subordinated participations were concentrated with banners and T-shirts outside the Plaza de Toros de Pontevedra during the rally.

The protest had a large police device and was settled with an identified person , belonging to the Vigo platform, who accessed the site with an invitation. The agents of the National Police guarded all the accesses to the San Roque arena, which were cordoned off. However, minutes before the start of the rally, a score of affected managed to approach the main entrance of the square.

"You have to understand that we have to defend what is ours, " exclaimed one of the assistants, when the police tried to move them away from the entrance.

  • Rajoy – Feijóo

    The President of the Government, Mariano Rajoy, together with the Galician President, Núñez Feijóo, at a meeting in Pontevedra. (EFE)

    "> Rajoy – Feijóo

More information about:

  • Rajoy

Rajoy and Monti’s Orgda to the Eurogroup, which accepts direct help from the bank

  • Without going through the State and eliminating the burden that this would entail for the State.
  • Europe also accepts not to be a preferred creditor in banking support.
  • It will facilitate the use of European rescue funds to buy debt from countries under market pressure.
  • Rajoy and Monti threatened to veto the pact for growth.
  • Merkel: “We remain faithful to the idea of ​​not giving help without asking for something in return.”
  • The eurozone agrees the banking and fiscal union.
  • Rajoy asks to take into account the Spanish crisis in the distribution of structural funds.
Rajoy y Monti

The President of the Spanish Government, Mariano Rajoy, talks with the Prime Minister of Italy, Mario Monti. Horst Wagner / EFE

The eurozone has agreed to the charade launched by the Italian and Spanish presidents, Mario Monti and Mariano Rajoy, at the European summit. The two leaders of the countries at risk decided to veto the pact on growth that should be discussed , according to the official agenda, during the first day, while they were not offered short-term solutions for their financing difficulties.

The movement caused the leaders of the eurozone to advance the meeting they planned to hold at the end of the community summit to try to unblock the situation. Finally, the eurozone agreed to several points that until now had been rejected by countries such as Germany, Holland and Finland.

The agreement is summarized in three points: the direct recapitalization of the bank, although only after a common banking supervisor has been created; that the funds of the Eurozone lose the status of preferred creditor and that the European rescue funds will be able to intervene in the sovereign debt markets at risk for some of the members. These three points had been claimed in Europe by the Spanish Government in recent weeks.


Direct recapitalization of banking

One of the points of agreement is the direct recapitalization of the bank , but only after an effective European banking supervisor has been created with the involvement of the European Central Bank (ECB), informed the president of the European Council, Herman Van Rompuy.

To break the vicious circle between banks and sovereign debt

The Heads of State and Government of the Eurozone have also agreed that the European loan of up to 100,000 million euros to recapitalize Spanish banks will be channeled to the Spanish Government through the European Stability Fund (EFSF) and will be transferred to the European Mechanism. of Stability (ESM) when it enters into force under the same conditions, ie without acquiring senior debt status, explained Van Rompuy.

According to the chairman of the Eurogroup working group, Thomas Wieser, when the ESM comes into force, the impact of the loan can be “very quickly removed from the sovereign debt balance sheet”. The eurozone thus accepts the two main requests of the president of the Spanish Government, Mariano Rajoy.

“We urge the rapid conclusion of the memorandum of understanding that will accompany the financial assistance for Spain for the recapitalization of its banking sector and we reaffirm that this aid will be provided by the EFSF until the ESM becomes effective and then it will be transferred to it without acquiring the preferential status , “explained Van Rompuy after the meeting of the 17 leaders of the euro.

Through this procedure, the eurozone will be able to directly recapitalize the bank “as soon as we have an effective European supervisory mechanism and we can change the EFSF to the ESM to break the vicious circle between the banks and the sovereign debt ,” he stressed.

Direct recapitalization means the possibility of using the European rescue fund to recapitalize banks directly, without going through the State and thus eliminating the burden that this would entail for public accounts.

Although this possibility will be accompanied by “very strict conditions , said the president of the European Commission, José Manuel Durao Barroso. These conditions will focus on compliance with state aid, individual entities and the financial sector or economic conditions and will be established in a memorandum of understanding, Van Rompuy said.

EU will not be a preferred creditor

The agreement implies the resignation of the eurozone from the status of preferred creditor , a measure that was one of the demands of Spain to reduce the impact of the recapitalization of the bank on the sovereign debt of the country, which has suffered harshly the pressure of the markets in the last weeks.

The preferred creditor status of the ESM meant that the State had to pay its loan before the rest of the public debt it places in the markets.

This circumstance had not been well received by investors, which explained, according to experts, the recent rises in the risk premium on Spanish debt.

Help countries (that meet) in the markets

The members of the eurozone are also committed to doing ” everything necessary ” to help the countries at risk in the markets. It means that the stability funds (both the EFSF and the ESM) flexibly to stabilize the markets. Of course, the document specifies that it will help the “member countries that respect their specific recommendations by country and the other commitments they have made, including their respective schedules.”

A nuance that has cooled the euphoria of the markets and that seems to warn Italy and Germany.

Spanish claim

The direct recapitalization of the bank, without going through the State , was something that Spain tried to achieve from the beginning, even before requesting the help of its partners to manage the problems of its banks.

This option is not provided for in the rules of the European rescue funds , but it has been claimed by the European Commission, which tried to include it when those rules were negotiated at the time.

It would allow the State not to be a guarantor of the loans and eliminate the impact on public accounts

The direct recapitalization would allow the State not to appear as guarantor of the loans to the banks and would eliminate the impact of the plan to restructure the banking in the public accounts.

The Eurogroup agreed on June 9 to grant Spain up to 100,000 million euros to solve the problems of its banks through the Fund for Orderly Bank Restructuring (FROB).

However, the formula has not been well received in the markets , where in recent weeks Spain has been forced to pay record interest rates to finance itself.

“It was worth it”

Mario Monti, highlighted after the agreement reached that the negotiation was “hard, but it was worth it”. The meeting was “full of discussions and moments of tension,” he said.

Of the agreed thing, Monti has emphasized to the journalists that Spain can accede to the recapitalizacion to the bank without happening through the national budget. Likewise, the Italian prime minister has indicated that his country has advocated introducing a paragraph in the support agreement of the mechanism to countries that comply with the recommendations, although he has not given more details.

The euro zone has been reinforced “The euro zone has been reinforced, ” Monti has ruled, explaining that the decisions of this morning will be developed and finalized at the meeting of finance ministers of the euro zone on July 9.

Mariano Rajoy limited himself to announcing the existence of an agreement, but did not want to give more details to the journalists.

Merkel: “Our formula has not changed”

For its part, the German Chancellor, Angela Merkel, considered the agreement as “a good result” and a “good basis to continue working.” Even so, he recalled that “our formula has not changed”. “I think we have made some important decisions, but we remain true to our philosophy of not giving help without asking for something in return .”

We remain true to our philosophy of not giving help without asking for something in return. The Eurogroup will also examine the situation of the Irish financial sector in order to further improve the sustainability of the well-functioning adjustment program and similar cases will be “addressed with equality”, said the president of the European Council.

Ireland had asked for conditions similar to those in Spain if they were better than those enjoyed by Dublin.

  • Rajoy and Monti

    The President of the Spanish Government, Mariano Rajoy, talks with the Prime Minister of Italy, Mario Monti. (Horst Wagner / EFE)

    “> Rajoy and Monti

  • Agreement of the eurozone

Dread Disease Insurance: Financial security in case of serious illness

Dread Disease Insurance: Financial security in case of serious illness

The dread disease insurance is a sensible alternative for anyone who can not or does not want to take out occupational disability insurance. The insurance provides financial protection if the insured seriously ill, such as cancer or a stroke. With the money affected people can adapt their home to the new conditions or finance additional medical benefits.

Table of Contents

  • definition
  • Insured illnesses
  • advantages and disadvantages
  • pitfalls
  • Costs and tests

What is Dread Disease Insurance?

A stroke, a cancer or the diagnosis of multiple sclerosis (MS) changes the lives of those affected from one to the next. What was just natural, can now represent a great physical and emotional burden. Working and earning money is no longer possible for many critically ill persons or only to a limited extent. So join the health concerns and financial problems.

The dread disease insurance takes insured financial existence fears. Because she pays them a one-time sum, with which, for example, the home can be converted. If sufferers have taken out a loan to build or buy a home, this can be continued with the one-time payment. If those affected need a new, disability-friendly car, the Dread Disease Insurance money can also be used.

The insurance, also known as Severe Diseases Insurance, is an alternative for anyone who can not or does not want to take out occupational disability insurance or disability insurance. She counts

  • in a clearly defined disease,
  • irrespective of whether insured persons continue to work, and
  • even when patients recover completely.

Compared to occupational disability insurance, insured persons do not receive a monthly pension, but a one-off payment. They determine their height individually before signing the contract.


dread disease krankheiten


What kind of diseases does Dread Disease Insurance cover?

There are comparatively few insurers who offer dread disease insurance. These include Canada Life, Zurich Life, Prisma Life, Nuremberg, Gothaer and the Bavarian. They have between 38 and 66 serious illnesses. The most important ones are cancer, heart attack, stroke and multiple sclerosis.

providers Number of insured illnesses
Canada Life 46
Zurich Life 66
Prisma Life 46
Nuremberger 50
Gothaer 50
The Bavarian 38

Depending on the provider, insured persons are protected even if they fall ill with dementia, Alzheimer’s, Parkinson’s or a brain tumor. If the protection against a specific illness is particularly important, you should carefully check the different offers for the severely ill health insurance in advance.

Is dread disease insurance useful?

The dread disease insurance offers some advantages, but also disadvantages. As a general rule, if you are interested in taking out occupational disability insurance, this should be your first choice. It is the only insurance that protects comprehensively against the financial consequences of those inactive working for health reasons. Serious illness insurance covers only a small part of the causes that make them unable to work. Why this is so, is due to a disadvantage of insurance.


  • Mental illness and skeletal disorders such as a herniated disc are not secured.
  • Upon conclusion of the contract, a health examination is necessary.
  • The sum insured should be sufficient for the rest of the working life. However, a high sum makes dread disease insurance expensive.


  • The benefit claim is usually clearly defined.
  • Insured people receive money regardless of whether they can still work or recover fully.
  • Children may be insured free of charge.
  • Persons with mental illness who do not receive occupational disability insurance have the option of having a minimum level of financial protection with Dread Disease Insurance.

Possible pitfalls of dread disease insurance

Before anyone decides to buy dread disease insurance, it is important to look at the key aspects of insurance coverage. You should pay particular attention to the following points:

Definition of the disease: Depending on the disease, some insurers pay only when it has reached a certain stage. If the insurance conditions are incomprehensible in this regard, it is advisable to have them explained in a layman’s terms.

Waiting period from diagnosis: Sometimes the insurers only provide some time after diagnosis, for example after four weeks. If a quick payout is important, you should choose a provider with a short waiting period.

Waiting times: After conclusion of the contract, the protection is not always immediate. Depending on the provider, waiting times are provided. If insured persons fall ill during this time, they will not receive benefits. Accordingly, it is important to arrange the dread disease insurance early.

Costs and current test winners in dread disease insurance

Unlike occupational disability insurance, dread disease insurance is rarely put to the test. For example, the last test of Stiftung Warentest took place in the summer of 2016. Seven offers with a capital benefit of 300,000 euros were audited for the professional groups of business administration graduates and industrial mechanics. The study shows that the annual fee can fluctuate significantly. It varies depending on the tariff and occupational group between 1,006 euros and 2,299 euros.

Differences can also be found in the special services. Thus, not every insurer grants early benefits if the insured’s life expectancy is less than twelve months due to the diagnosis. In addition, only a few vendors accept the contributions if their client becomes disabled.

Although the choice of dread disease insurance is significantly smaller than that of occupational disability insurance, those interested should check the tariffs in detail. Insurers in particular differ greatly in terms of additional benefits in particular. This is where the support of an insurance expert pays off who knows the specifics of the providers. With it, the insurance cover can be tailored to 100 percent to personal wishes.




La Rioja closes the year 2016 fulfilling the objective of budgetary stability

  • The Minister of Public Administration and Finance, Alfonso Dominguez, announced this Friday that La Rioja has closed the year 2016 "fulfilling the objective of budgetary stability" in terms of public debt set by the Fiscal and Financial Policy Council for 2016 in the 18.3 percent of GDP.
Consejo de Gobierno

Governing Council DIAZ URIEL

Specifically, he explained, the debt of La Rioja, in absolute terms, was placed in the fourth quarter at 1,487 million euros, which is 51 million more than in 2015. With these data, and in the words of the Minister of the field , "La Rioja has closed a good year from the point of view of budget execution and we maintain the image of rigor and good management that is the basis of the sustainability of public policies and welfare."

Data "that help us maintain levels of provision of public services, strengthen economic growth and job creation and reduce taxes on citizens."


After knowing these results – he has emphasized – "we face during this year a new stage from the budgetary point of view where, with consolidated accounts, we will be able to realize public policies that come from the social and economic agenda of the Government to continue supporting the economic growth and the creation of employment in 2017 in our region. "

All this, through a financing strategy that "requires modifications with respect to these first two years of the legislature" because "we must be aware that the year 2017 has a series of international financial uncertainties (such as the impact of the 'brexit', the next meeting between leaders of the US and China or the instability in some financial systems of Europe) "that will force us to draw a new trend in our debt strategy".

Given this situation, interest rates "will begin to rise in the medium term (end of year or early next) and therefore we must adapt to this situation."


Thus, he stressed, today "we have presented an indebtedness strategy throughout 2017 that will allow us to mobilize 251,710,000 euros in debt" and that will go to three types of operations.

Of this amount, 210.51 million euros will be used to finance the long-term amortizations foreseen by the Autonomous Community in 2017; 9.8 million euros for the return of the negative settlements of the CCAA financing system for 2008 and 2009; and 31.40 million euros to finance the deficit.

"The authorizations that we have created will lead us to the fact that due to the good management situation, we will not need to increase debts and we will be able to begin to reduce the indebtedness of the community," he stressed.

In addition, if "in these two years we have opted to go to the short-term debt that offered low interest rates for our solvency at this time in this situation and to better protect the interests of Rioja is better to go to a time strategy longer in the loans and that they are of fixed rates ".

Thus, throughout this year, the Riojan Executive will continue, on the one hand, restructuring the debt portfolio so that the improvement of financing conditions will allow us to reduce costs, and on the other hand, facing the debt amortizations. In addition, the Government of La Rioja wants to be prepared for the change in trend of interest rates, so it has already closed several debt issuance operations for 60 million euros and bank loans with three entities worth 90 millions.

With all this, the Government of La Rioja expects not to increase the debt of the community beyond the financing of the negative settlements and the deficit.

In this context, Alfonso Domínguez has informed the Governing Council of the Finance Strategy of the Ministry of Finance for the year 2017, "which has evolved to adapt to the current economic context and the situation of the markets."

On the other hand, the Government of La Rioja does not close the door to avail itself of any financing mechanism, as long as it does not have any conditionality or cost, since La Rioja is complying with the objectives of budgetary stability.

Also, throughout 2017, the regional executive will continue to work to provide credit to companies through the call for a new line of financing, endowed with around 25 million euros, to finance business projects through EIB funds; and through the SME initiative, to provide loans to companies that, being viable, exceed the risk levels established by the bank.

Finally, before the possibility that the Government of Spain approves a withdrawal of the regional debt, "the Rioja Executive will ensure that any measure of cancellation of the debt of the autonomous communities take into account the efforts of those regions, such as La Rioja , are fulfilling the objectives of fiscal consolidation, so that they are not harmed, "he said.


90.91% of the debt of the Autonomous Community of La Rioja is covered with long-term debt (of which, 30.09% are public debt issues and 69.91% bank loans) and a 9, 09% in the short term.

Check here more news of La Rioja.

Firefighters, CAPs and mediators in the field of housing will detect cases of energy poverty



Pobreza Energética


Barcelona City Council is expanding its strategies to detect cases of energy poverty, which is estimated to affect around 7% of citizens. The Firemen, the Residential Exclusion Units (UCER), the Service of Intervention and Mediation in situation of Loss and / or Occupation of Housing (SIPHO) and the personnel of the Primary Care Centers (CAP) and of the Care Centers and Monitoring of Drug Dependencies (CAS) will now collaborate in the detection of people in this situation, through protocols created by the consistory.

This has been announced this Tuesday by the deputy mayor of Social Rights, Laia Ortiz ; the commissioner of Security, Amadeu Recasens; and the commissioner of Health, Gemma Tarafa, who explained that the idea is to identify these cases “early” and not only “through social services when there is a notice of cut off supply due to non-payment”.

These professionals have already begun to receive specific face-toface training – lasting two to three hours – in order to detect people in a situation of energy poverty and when they do so, they must notify the Energy Advisory Points (PAE) that they were put underway in Barcelona at the beginning of the year and have already served 1,800 citizens.


As for the Fire Brigade of Barcelona , they should analyze a series of indicators when they perform a service in a private home, to check if there is a shortage of energy supply. For example, they will have to see if there are stoves in the kitchen in a building with gas or in the presence of candles or lamps without light bulbs.

Firefighters should inform if there are candles or lamps without bulbs in the houses The intervention teams in the field of housing, meanwhile, if they observe warning signs, should verify if they are facing a case of energy poverty through a conversation informal with the possible affected.

In the CAPs and CAS, professionals will also have to look at a series of indicators to detect people in this situation, for which last Friday they began to receive training – it has been given to 60 people, for the moment. The staff of these centers has already begun to deribe citizens to the PAE, to a dozen to date .

It is also planned that in the future they will receive training to identify cases of energy poverty for professionals in hospitals and mental health centers .

On the other hand, from the area of ​​Security of the City Council are studying formulas to include the Urban Guard in these protocols .

Definition of diseases that generate energy dependence

Definition of diseases that generate energy dependence

The commissioner of Health, Gemma Tarafa, explained that a working table has been created with the Servei Català de la Salut and other administrations involved to determine which diseases generate energy dependence -for example, because the person needs to be connected to an appliance- and so that the patients are covered, as established by law.

Tarafa has also pointed out that energy poverty “has important impacts on health” and causes “more morbidity and mortality”, as well as “cardiovascular, respiratory and rheumatoid diseases” and “mental health disorders due to anguish”.

1,800 citizens served in two months

1,800 citizens served in two months

Energy poverty affects around 7% of the population The City Council also took stock this Tuesday of the operation of the 10 Energy Advisory Points that were launched in January in the city. From the 20th of that month until March 21, 1,800 people were treated, of whom 500 had received notices of cuts for non-payment .

Of the total of cases, 184 required direct and urgent intervention in housing and a third were derived from social services.

Ortiz has also reported that the consistory has avoided about 1,100 cuts in supplies in the last year -200 in the last month- through vulnerability reports provided by the law of energy poverty.

The Deputy Mayor acknowledged that some have been avoided with the payment of bills by the City Council, but has ensured that “the tendency to pay aid automatically has been reduced” as it remains the objective of the suppliers to sign agreements to take over part of this debt before March 31 .

Telemedicine: Technology alone does not make patients healthier

Telemedicine: Technology alone does not make patients healthier

Wednesday, the 02.11.16 , written by Anja Schlicht Telemedicine enables the exchange between doctor and patient despite spatial separation. From a distance diseases can be treated and therapies used. In rural areas, telemedicine can be an answer to the shortage of doctors. But it still lacks the appropriate legislation, say critics. Not at all, replies the health expert dr. Achim Hein.

Telemedizin: Keinen neuen Gesetze notwendig

Telemedicine could replace visit to the doctor by remote treatment

There are critics who think that Germany is lagging behind in telemedicine. In particular, in the area of ​​legislation, a lot of work should be done so that patients benefit better from the opportunity to be treated or treated at home. This not only saves them the way to the doctor. Telemedical treatment can also improve the care of citizens in areas with few medical professionals. But what good are the good prospects if the legal framework for telemedicine is insufficient ?

Dr. Achim Hein, CEO of EvoCare Telemedicine ECT eG, believes that there are no laws required . On the contrary, they could even be harmful. In an interview with he explains that patients already benefit from telemedical treatment. But only those who understand telemedicine correctly can develop telemedical methods that are similar to traditional treatments, paid by the pension fund or health insurance fund and benefit patients.

Dr. Hein, why is the legislation of telemedicine not lagging behind the times?

Dr. Achim Hein: The existing success stories of the implementation of telemedicine treatment in today’s standard care show that the often- awaited new legislation for the settlement of telemedicine treatment is not required. It is possible that softening the current regulatory framework to provide quality of care services, as well as its overall funding, is more damaging .

The key to the success of telemedicine treatments is the understanding of the word telemedicine itself – TeleMEDIZIN is a medical treatment service and therefore an effective supply within the social system. Treating a patient means prescribing, “taking care of” and supervising on an individual basis. Telemedicine is therefore more than just providing technology to the patient. I always say: “Technology does not make the grandma happy and not healthier” – it is the treatment and care that bring success.

If telemedicine treatment is understood as a novel interaction between therapist and patient that complies with the contents of the guidelines and existing guidelines, it fulfills the very well-proven requirements for existing treatment methods and can be applied by service providers and reimbursed by payers in the same way as conventional methods. To strive for new legislation is unnecessary.

Exempting from my criticism I would like to create regulations for the use of uniform platforms such as EPA (Electronic Patient Record) or Health Card. If the legislature so wishes, it is required to create the conditions for it.

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In your experience, how much does a reimbursement by health insurance funds or pension insurers most often fail?

Dr. Achim Hein: If the providers of treatment services comply with the existing guidelines, the compensation channels are well defined and usable. However, if payers are expected to pay for the technology of the industry or other vendors, thereby potentially opening up the available budgets in an uncontrollable manner, then this will have to go nowhere.

Hundreds of pilot projects show the same patterns over and over again. There is talk about technology, not about treatment. Technology is offered, not treatment. Such projects are not aware of the answer to the question of how telemedical treatment services can be precisely defined for the healthcare system and which criteria must be met in the German health and social system. From our experience, this is not easy and requires great expertise.

From practice: With TEMPSIS / STENO, physicians in patients with stroke from the region of South-East Bavaria can still call experts in the emergency recording by videoconference. Not only can he interview the patient directly, he can also neurologically examine it together with the local physician. This provides patients in rural areas with effective stroke care.

What further hurdles do you see in the expansion of telemedicine services on the part of both patients and doctors?

Dr. Achim Hein: Imagine that you are a patient. They expect a high quality treatment. You do not expect to be fobbed off by app . However, when a patient is properly hired by the practitioner for telemedicine treatment, studies reveal no barriers to acceptance, satisfaction and adherence (compliance).

There are already numerous lifestyle apps in the area of ​​monitoring, with nice gimmicks as an encore. Such apps can certainly stimulate behavioral changes, but in no way replace a medical treatment. Lifestyle apps are very different from professional telemedicine treatments. These obey the prescription principle, the supervision principle, are based on evidence-based medicine and have been “heart and kidney” checked by doctors and payers. In this case, medical therapeutic services are not replaced, but supplemented.

If a telemedicine treatment offer is perceived by doctors as a therapeutic , the application hurdles fall. It is medically controlled and can be ordered within existing budgets. This removes the main hurdle – that of financing.

In practice: Telemedical EvoCare treatment is used in a variety of areas, such as physiotherapy. Patients can thus flexibly perform the prescribed treatment at home. This is subject to the personal supervision of the doctor or therapist. For this purpose, patients receive a loan device, with which they get in touch with their therapist and their individual treatment plan with specific feedback interactions such as image, sound and video is specifically pursued.

How many telemedical treatment procedures have made it to standard care so far?

Dr. Achim Hein: From our point of view, there are currently two noteworthy procedures. In the field of stroke (stroke treatment) TEMPIS / STENO has made a name for itself. In home care, remedies and rehabilitation, EvoCare treatment is a pioneer and most experienced player in the application of digitization in healthcare. The two procedures have proven for more than a decade that treatment is as effective as traditional methods , that treatments offer tangible benefits in terms of quality , efficacy and cost, create jobs and support the elimination of skills shortages . Realized in this way, digitization really helped everyone.

Service providers, clinics, practices, doctors undoubtedly bring digitalisation opportunities. However, the technical solutions are unmanageable and often not suitable for the purpose of patient treatment. Practitioners need tailor-made treatment offers for their patients – especially with digitization. In 2013, the first telemedicine cooperative was founded in Germany. As a cooperative self-help organization, the EvoCare Telemedicine ECT eG has a need, as well as a statutory task, to sustainably anchor telemedicine opportunities as a community of values.

  • Thank you very much for the interview, Dr. Hein!
  • Anja Schlicht
  • editorial staff

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  • From mid-April to June, the chain has closed its 24 clinics in Spain.
  • Health recommends claiming and demanding records.
  • They open proceedings against the iDental clinics for a crime against health.

Stock image of a dental clinic. GTRES

The General Council of Dentists of Spain has announced its intention to file a complaint before the National Court against the iDental company, in addition to putting again before the Attorney General's Office the "unfortunate" situation generated after the closure of all clinics this chain in Spain.

Parallel to this complaint before the National Court "if appropriate", this body has assured in a statement made public this Sunday that the official colleges of dentists will inform the prosecution or the corresponding trial court these facts if they were " susceptible to possible scam " .

In this context, they have also announced that they will initiate the corresponding disciplinary proceedings , if the investigation proceedings carried out prove that the denounced facts could be sanctioned deontologically. In compliance with its aims of defending the "health" of citizens, this body has warned that it will maintain "zero tolerance" in this type of situation. It has done so after iDental from mid-April to this month of June, will close its 24 clinics in Spain.

Alicante (Alicante and Elche), Almería, Asturias (Gijón), Barcelona, ​​Cádiz (El Puerto de Santa María), Castellón (Betxí), Córdoba, Gerona, Granada, Las Palmas de Gran Canaria, Madrid (Madrid and Rivas Vaciamadrid), Malaga, Murcia (Cobatillas), Salamanca (Santa Marta de Tormes), Santander, Segovia, Seville, Valencia (Valencia and Alfafar), Valladolid and Zaragoza are the cities in which the chain is located.

Treatments interrupted or not started

As reported by Facua-Consumidores en Acción days ago, at the closure of the centers are added the various irregularities that members of this organization have indicated in their claims "as malpractice, a defective provision of services, lack of adequate care and, in some cases, postponements and cancellations of appointments ".

Facua has reported that many patients "have stayed with their treatments interrupted or not started, after having given a quantity of money directly or previously through a financial". This association has enabled a platform of affected people through the internet, to which more than 226,000 people have already joined.

For its part, in the statement of the Council of Dentists made public this Sunday, this body asks all health departments of the affected autonomous communities "to proceed to the custody of the medical records of patients" affected, "in order to avoid possible deterioration and destruction and safeguard their rights ".

In addition, they have demanded from the administration and the corresponding judicial bodies, "the immediate intervention and the taking of measures aimed at solving the serious situation of defenselessness that affected patients are going through." Among other things, the Council has asked political parties and administrations to regulate health advertising in an "urgent and appropriate manner".

How to act

The dentists have recommended those affected to claim in the courts by civil or criminal as appropriate for the damages caused, while reminding those who do not have sufficient resources to go to the legal aid.

Also, that they keep all the documents they may have of the clinic, advertising leaflets, budgets, contracts, safeguards, among others; and that they put the corresponding claims, in addition to iDental, in the Department of Health and the General Directorate of Consumption.

Evaluate and analyze "carefully" other offers that may be received from this time of other clinics, financial, law firms, that offer to "solve" their situations, is another of the recommendations of the Council.

Recently, the new administrators of iDental announced through a statement that they were working to offer the "best possible solution" to the problems that afflict the company, with the aim of "solving the current situation of workers and employees."

The company is confident that " progress will be made in the coming weeks," according to the statement. In addition, the current administration of iDental reported that it had filed a "complaint against the previous management team for the irregularities detected in the management."

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Home Help Center Installment Loan Interest Rates and Terms Question

Home Help Center Installment Loan Interest Rates and Terms Question

If borrowers get into financial difficulties and can not pay individual installments, some banks grant a deferral. For some installment loans, the conditions for such a rate suspension are already regulated in the loan agreement. Other banks grant a rate suspension but only after individual consultation with a consultant.

Even during a suspension, borrowers are not always allowed to stop paying. Often, they must at least pay the interest portion of the installment during a rate suspension.

Since the loan is not repaid during the installment suspension, this usually extends the repayment term. Some banks also charge additional fees for a rate suspension. With an appropriate filter setting in the loan calculator on, interested parties can search specifically for loans with a possible installment suspension.

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