What to do if you have been robbed at home?

Imagine coming home after a vacation, at the end of a hard day's work or just after going out for a walk and you find the terrible situation that you have stolen.

We hope these tips help you serve:

• The first thing you have to do is call the police as soon as possible. If you think the burglar still in the house do not access it. If you surprise a thief in the theft does not try to cope, in many cases it may use violence against you and even try to take you hostage to indicate where the valuables.
• Do not touch anything, leave everything as you found it and wait until the police arrive.
• Once you have completed the police work and may have free access to your home looks every room and make an exhaustive list of everything that has been stolen. If you have invoices or documents of stolen items, attach them will be useful for insurance companies.
• If you need a credit card or think they may have had access to any relevant information about your financial data, comunícaselo immediately to your bank.
• If you need a passport, identity card or driving license, just tell it to the appropriate authorities.
• After a theft is a good time to review your home insurance, assess whether the coverage offered by your current insurance are sufficient or if you are willing to pay a little more for a higher level of security.

Read More

Difference between (PPA) and (PIAS)?

When talking about private savings products are a variety of concepts that can be confusing sometimes. So today we want to tell the difference between an Insured Retirement Plan (PPA) and Individual Systematic Savings Plan (PIAS).

Both a PPA as a PIAS are certain long-term savings to ensure the person who hires a return, along with various tax advantages.

In the case of insured retirement plan, do deducted for the Income Statement, with a direct reduction in the income tax base, and in the case of Individual Systematic Savings Plans tax advantage is gained when they received at maturity of the policy, with the requirement that is received as an annuity.

One of the main differences between Insured Retirement Plan (PPA) and Individual Systematic Savings Plan (PIAS) is that in the first case is saving for retirement and second accumulated capital can be used or redeem, good retirement or when requested by the policyholder.

To this we must add that the money contributed in Insured Pension Plan (PPA) and profitability are charged when the person retires. Meanwhile, to rescue money Individual Systematic Savings Plan (PIAS) before retirement is required that two years have passed since the hiring plan.

The maximum contribution per year in the PPA changes depending on age, with 10,000 euros for those under 50 years and 12,500 euros for those with 50 or more. However, the maximum annual contribution in a PIAS is 8,000 euros regardless of age. The maximum total contribution for PIAS is 240,000 euros and the policy must have a minimum of ten years.

Now you know the main differences between Insured Retirement Plan (PPA) and Individual Systematic Savings Plan (PIAS).

Read More