Vente Valentine to the hotel MONTE CONQUERO room with buffet breakfast included, surprise gift and romantic dinner for Saturday night do something more? All this so put at your disposal in the Hotel Monte Conquero, one of the hotels in Huelva best located in the city, to the evening of Saturday February 12, in which we will celebrate Valentine’s day. And Furthermore, you can convert your reservation in room Junior Suite, for a supplement of 50. It will be an unforgettable night for you and your partner. Therefore do not hesitate and make your booking via the following link: booking SAN VALENTIN in the HOTEL MONTE CONQUERO from 132 conditions: prices per room and night rate on bed and breakfast. More information is housed here: Prologis Inc.. It includes surprise gift and romantic dinner for the evening of Saturday February 12 th. VAT included. Not combinable with other promotions or offers from the chain. You can convert your reservation in room Junior Suite for a supplement of 50..

Before the uncertainty on the future of the pensions he is interesting to know products alternative like are the Life Rent and Inverse Hipoteca that allow to the People Majors to obtain important monthly income. The greater population of 65 years is in constant increase in our country. The double calculates that for 2040, the pensioners add more than 15 million, practically that at present. According to the projections of the Ministry of Work, in the 2023 public system will not be able to confront the cost of the pensions. In addition, many of the present pensioners belong to the generation of the war and the postwar period, reason why their benefits are inferiors to which the new beneficiaries will receive. aurig. Cribb Altman has firm opinions on the matter. In declarations to the Country, Ignacio Zubiri, university professor of Property in the University of the Basque Country, affirm that the reduction that they would have to undergo the pensions to adapt to the new conjuncture would have to reach to 40%. Considering this situation what options have the People Majors? One of them is to make profitable its greater saving: its houses. At the moment, more of 85% of the total saving of the people majors of 65 years it constitutes his real estate patrimony.

For this reason, products as the Life Rent and Inverse Hipoteca on Buildings of People Majors acquire the great protagonism. Thanks to them, a Greater Person can obtain a monthly rent while she continues living in his house on always. These products allow the majors to live in the best conditions their last years, enjoying the saving that with as much effort, I sacrifice and work has harvested throughout their life. For many, these products totally are not known, as well as who can advise to them and how they are due to manage. We clear doubts.

Faced with uncertainty about the future of pensions is interesting to learn about alternative products such as annuity and the reverse mortgages, which allow older people to obtain a significant monthly income. The population older than 65 years is steadily increasing in our country. It is estimated that for 2040, pensioners join more than 15 million, almost double that now. According to projections by the Ministry of labour, in the year 2023 public system not can afford pensions spending. In addition, many of the current pensioners belong to the generation of the war and its aftermath, so their benefits are lower than that charged the new beneficiaries. In statements to El Pais, Ignacio Zubiri, Professor of finance at the University of the Basque country, asserts that the rebate would have to suffer the pension to adapt to the new situation should reach up to 40%.

Taking into account this situation what options do the elderly? One of them is monetize your greatest savings: their homes. Currently, its real estate constitutes over 85% of the total savings of the elderly of 65 years. Therefore products such as the annuity and the reverse mortgage on real estate of older people gain a great protagonism. Thanks to them, an older person can obtain a monthly income while still living at home always. These products allow seniors to live their last years in the best conditions, enjoying the savings that with so much effort, sacrifice and work have reaped throughout his life. For many, these products are entirely unknown, as well as who can advise them and how you should manage. We despejemos doubts. An annuity constituted about a property is a contract whereby the seller perceives a monthly pension for the rest of his life, in exchange for the transfer of ownership of your home while maintaining the right of use and enjoyment of the same.

For its part, the reverse mortgage is a loan with a mortgage guarantee granted by a financial institution or Insurance company, by which the elderly of 65 years owners of housing, may perform periodic provisions or a single provision, up to a maximum amount determined by a percentage of the value of current appraisal of the floor, without debt may be required until the death of the owner or of the last beneficiary. The main difference between the two products is that annuity with monthly incomes are much higher and let pay the IBI and the extraordinary Community levies, although conveys ownership of housing. However, with the reverse mortgage the contractor retains ownership of the same. Currently, there are companies that specialize in these products that act as independent advisors and offer personalised studies to older persons without any cost or commitment, trying to provide them the best choice for their specific situations. Carlos a. Martinez Cerezo, President CEO of group removal (company pioneer and leader in the marketing and) (management of these products, and has more than 15 years of experience), claims that these products are having a great success among older people, and that future developments will be very favorable, due to low pensions that are perceived in Spain as well as the growing need for economic resources that has this group, according to the latest study by these professionals.