Family constellations

Family constellations

In times when the social and religious coordinates do not clearly define how we should live, we feel freer, and therefore we can write the script of our steps with the sovereign pen, but also unstable, from our own hand. We enjoy many options but this also causes us greater insecurity.

It is in this context where therapies and professional help approaches find space and meaning, methods of philosophical or existential counseling capable of reconnecting us with an inner center, often forgotten by the thickness of our everyday life. Among these techniques, Family Constellations have stood out and strongly impacted on the culture and praxis of therapeutic help, in this last decade, for its mystery, intensity and effectiveness. As an approach, it is framed by systemic, transgenerational and existential principles.

Bert Hellinger German philosopher, theologian and therapist born in 1925, Hellinger is the creator of the Family Constellations. In 1999 he arrived in Barcelona, ​​invited by the Institut Gestalt, to teach his work and start from here the intense development that Family Constellations should have throughout the Spanish-speaking world. Hellinger was a Catholic religious and missionary in South Africa among the Zulus, where he ran a school when, around 45, a therapist specializing in group dynamics confronted him with an accurate question that cracked his beliefs and led him to transform his life: “Are you more interested in people or ideas? If that were the case, who would you sacrifice in the first place?”

Be that as it may, as Bert Hellinger himself explains, this was the germ of his departure as a priest and the beginning of his interest in psychology. From this moment, he studied group dynamics, psychoanalysis, transactional analysis, gestalt therapy, primal cry, neurolinguistic programming, hypnosis and family and systemic therapies. The result of all this, plus a strong component of psychospirituality understood as assent to the sovereign will of life (or love fatti , in the Nietzschean sense), is the focus of the Family and Systemic Constellations according to Bert Hellinger.

It is clear that Hellinger drank from many sources, both philosophical and theoretical, but it is worth at least highlighting two of his great methodological precursors. The first, Jacob Moreno, creator of psychodrama, in which they seek, with a pseudoteatral praxis, new and creative solutions for old limiting scenes that made us suffer in the past and we have not managed to let go or resolve. And secondly, but even more decisively, Virginia Satir, one of the pioneers in family therapeutic work, who devised the technique of family sculpture, to understand the incongruent roles and communication dances and dysfunctional relationships in families, evidencing the shared involvement of all its members, who are desperately trying to preserve their dignity.

Scenic methodology
Through a constellation, a person, a couple or a family that poses problems of relationship, communication, behavior, personality, health, suffering in their work or organization, etc., manages to understand in a short time the dynamics and unfavorable implications that operate in your system feeding the problematic, and change them. The methodology, which is usually practiced in a group, is surprisingly simple and scenic. Representatives are chosen for the people involved in the matter, the necessary ones for their understanding and solution, whether they are of the current family or of the family of origin, previous couples, people of our labor system, etc., and then they are positioned in the space , so that the client externalizes the inner image that he has about his links and his network of relationships. Thus, a geometry is expressed that expresses how connections are perceived and the place each person occupies in the system. Then, the dynamics that keep the problems emerge, usually very subtle, almost invisible, and alternative solutions are generated through, for example, the integration of the excluded, or reparations between people, or pending emotional movements are completed, or ritual phrases are expressed that order, structure and relieve all members of the system. The client or clients usually have the feeling of having released old pesos, faults or difficult destinations, and of orienting themselves better towards the good and towards their own objectives.

People who repeat unhappy patterns or destinies (suicides, addictions, failures, struggles, depressions, betrayals, etc.) of other people in families, following amorous invisible loyalties, are released. Children who blindly love their parents, and navigate in the harmony of their system, assuming terrible dynamics such as following death to others whose mourning has not been completed, or becoming sick or assuming sacrifices or faults or revenge for others, or taking your efforts and places that do not correspond (such as being the invisible partner of one of the parents, for example), are finally available to be happier in your life or in your partner or your job, etcetera. The effect of a constellation is usually that of a great liberation because the merely intuited is revealed and confronted, and because the unresolved is finally faced, often accompanied by a strong emotionality that is cathartically decompressed. So the Constellations act in the depth of the subtle mysteries of our family group and the requirements of their collective Soul. For the Constellations work with this common Soul, a gregarious and collective entity to which we belong and on whose order and health our personal well-being depends. It is equivalent to Systemic Mind or Network of Links and resembles in some way the idea of ​​the collective unconscious of Jung. That is to say, we belong to a collective family soul that surrounds us and welcomes us at the same time, giving us identity and satisfying our thirst for belonging, which is the most powerful instinct of the human being, while binding us to sacrificed loyalties and demands, which they can and must be overcome so that the orientation to life and happiness triumphs over their opposites of death and misery.

Sexuality and Death
This Common Soul or Mind is, according to Hellinger, a force that unites and directs those who belong to it, and it does so following certain laws that it called Orders of Love (an original expression of St. Augustine), which we will explain below, whose respect and compliance favors the bond and love, usually present among the members of the group or family, fermente in their well-being and happiness, and whose transgression usually leads to sufferings and sacrifices that often seem illogical, judging by the love that they feel for the others. This collective Soul to which we belong has been impacted by gifts and by wounds, by life and by death, by laughter and tears, by advances and setbacks. The collective as such is challenged to assume and integrate all the facts that existence, governed by the two great powers of life that are sexuality and death, gives them. Sexuality opens the doors of life and makes it advance and prosper, having as allies love, the joy of living, strength, and hope. On the contrary, Death closes the doors of life and forces us to grow through pain, which brings us its powerful allies such as illness, abortions, self-destruction, violence, accidental adversities, and so on. In family systems there are facts that hurt, weaken, embarrass or hurt, and the system tries to protect itself from them sometimes with silence, shutting them up in oblivion, without noticing that the silences are sonorous and have consequences, and prevent the strength and the health of the group, and often involve implications and sacrifices. It is required to integrate what hurt or devastated so that it loses its power and remains as past. As a small fragment of Yerma , by García Lorca, says: “Some things do not change, there are things locked behind the walls that can not be changed because nobody hears them”.

Therefore, we live not only in our individual mind but belonging to networks of bonds, collective souls, each with its own archaic and imperious mind, which influence and even govern us, although we do not understand them (especially family). In these networks, love is not enough to ensure well-being; It requires an order. Some people think that suffering is illogical if love is present. However, the evidence shows that many people suffer despite the presence of love. Love is not enough, because Good love or ordered Love is required. Good love is recognized because it leads us towards well-being, life, profit and fulfillment. Good love supposes that we have moved emotionally to respect and assent to the past and the gifts and wounds of our previous ones, instead of getting involved in them, repeating them, or showing a misunderstood fidelity to our previous ones with our unhappiness. Thus, good love makes us go a little further in more life, both in welfare and in happiness.

Guiding us by the intensity of the links as a common destiny and by their ability to express great gifts or serious implications, belong to this network, in which many are in resonance with many, the following: the son, with his brothers, including those who they did not get to be born or they died soon; the parents and their siblings, including also those who did not get to be born or died soon; the grandparents and their brothers, also the great-grandparents and even previous ones if they had very marked destinies; they also belong to those who made space for others, for example, previous couples whose disappearance succeeded in obtaining the place, and also those who had losses at the expense of others who made a profit (as victims of war or murders), or the other way around, some who made a profit or hurt at the expense of the loss of others (murderers, harriers, swindlers), et cetera.

The orders of love
The first order of love tells us that, in this network of bonds, all without exception, regardless of whether they are judged positively or negatively, have the same right to belong and be included and dignified, allowing and demanding that they assume their destiny and their faults and the consequences thereof, when that is the case. In practice it happens that family systems exclude or set aside some of their members because they condemn their behavior, or because their memory is too hurtful, shameful or painful. Sometimes, there are people who died soon, or people who committed suicide, and this causes pain or embarrassment in the descendants, or even parents who are judged for not doing the right thing or for irresponsible, bad, abusers, abandonors, alcoholics, et cetera. Actually, excluding is a movement of the personal mind that tries to protect itself from what generates pain. But the Collective Mind, the common Soul, does not understand the language of exclusion and follows an existential principle that says that “everything that is has the right to be as it was, and to be recognized in this way”. When this principle is respected, as a result of digging into one’s emotional process and assenting to family matters, the past is liberated and the future can be strong and real. When there are exclusions, the Collective Mind imposes the inevitable consequence that the excluded will be incarnated again by later people, who have nothing to do with the matter, and who often unconsciously, unknowingly, follow the fate of the excluded. It is the effect of the forbidden rooms that inevitably attract some in a failed attempt to elaborate and close painful episodes of the systems. How many become alcoholics following a father despised for his alcoholism? How many suffer from a fragile attachment to life when in the heart of the family they are lived as members who replaced someone lost through early death, for example, or feel bound to the person who died, and have difficulty in taking life in fullness? How many feel suicidal impulses when others, previous, also took their own lives or were guilty of the death or misfortune of other people?

The second order of love is one of extraordinary simplicity: people are better when they take their rightful place and not another, which, translated into family systems, means that children are children and fathers are fathers, and that in The couple are both adults, equal in rank, and walk side by side. If enunciating it is easy, it is not so enforced. How many children are not taken to take the invisible position of parents of their parents, especially when they lost them early or rejected them (and then, without realizing it, they look for what they did not have from their parents), and Do children assume it for love, sometimes at the price of carrying backpacks and bales that hinder their own life and expansion? How many children are involved with one parent against the other, or do they feel the invisible partner of one of them, or are they too close to one parent and against the other, or do emotional juggling and fall ill? heroic attempt to preserve a good place for his parents in his heart? We must not forget that the genuine desire of the children is to unite both parents inside them, regardless of what happens or has happened between them. Too many parents behave as small and too many children behave as large and special, transgressing the rule of welfare in families: everyone in the rightful place. And this also means that the later ones lean on the previous ones and direct their gaze towards the future. It is what in more tribal societies is lived as support in the ancestors, to which it is honored and venerated.

The third order of love refers to rules of exchange between giving and receiving, which water and sustain the life of all. With regard to the bond with parents, for example, we can not return what we have received so much and we compensate and balance it by giving our children or by serving and caring for life with our gifts. The biblical commandment reads: “Honor your father and your mother and in this way you will have a long and good life on earth”, which means that we do justice to what we have received, achieving a good and, if possible, long life. We also compensate by taking care of them within our possibilities when they need it in the decline of their life.

When working with the problems of people, we find that many are not based on what comes from the parents (who symbolize life) and rather refuse to take what they received, to preserve themselves from the negative. However, in this way they rarely get at peace with themselves and with life, giving him what they have to give him. Rather, they become impoverished and scrimped, positioning themselves in victimhood or resentment or other places of suffering. Taking what comes from the parents, even though it includes painful wounds, and working emotionally on it seems to be a sort of safe conduct for good love and an antidote to many evils, which induces us to take responsibility for one’s life and the refusal to play psychological games invalidating, full of suffering, for example with the couple or with children or in professional environments.

Regarding peers, the rule of exchange is to keep it balanced, to ensure parity and equality of rank. We give, we take, we compensate, we balance, and we are free, and if we continue together it is by using our freedom, not by sense of debt or of being creditors. It is a classic in conflicts of couple that tend to have imbalances in this exchange in such a way that one feels debtor and creditor and are no longer able to look each other in the eyes with confidence and openness of heart.

In short, it greatly helps people and families to have an order, order love, translate it into a good geometry of human relations, in which they are all without exception and equally worthy of respect and consideration, each in the exact place that corresponds to him and nurturing one another in such a way that they can grow instead of suffering. Here, then, good love.

The prosecutor defends that the origin of the fortune of Oleguer Pujol is “the corruption of his father”

The prosecutor defends that the origin of the fortune of Oleguer Pujol is “the corruption of his father”

The anti-corruption prosecutor José Grinda said during his plea in the prison vigil for Oleguer Pujol that his money in Andorra did not come from the inheritance of his grandfather, but that the “origin” was in the “corrupt” activity of his father, the former president Catalan Jordi Pujol. “There is no legacy, there is no inheritance, there is no consistency, and there is nothing,” said Grinda during the hearing held on January 12 at the National Court, whose recording Efe has had access to.

In it the Prosecutor’s Office requested the entry into prison without bail of the small de los Pujol for risk of money laundering, but Judge José de la Mata left him in freedom and decreed the withdrawal of his passport.

The Pujol brothers carried out an operation of “opacity” to hide who was the “origin” of those funds, Jordi Pujol Sr.

According to the prosecutor, the money that the Pujol Ferrusola family had in Andorra had been obtained “in a corrupt manner” by the former Catalan president and the brothers carried out an operation of “opacity” to hide who the “origin” of those funds was , Jordi Pujol father. “He is the only person who really is the source of this money and why the money they have in Andorra is systematically hidden by the entire Pujol Ferrusola family,” said the prosecutor.

The Prosecutor’s Office denies the official version of the family and does not believe the statement of Oleguer Pujol before de la Mata, in which he said that the account he had in Andorra in the entity Andbank opened it only to collect the inheritance he received from his grandfather Florenci in 1992 and have a money as a “reserve”.

“Reasonably we can conclude that Oleguer Pujol knew that this money was coming from the crime and so much so that he systematically hides it from the Tax Agency”

“We can reasonably conclude that Oleguer Pujol knew that this money was coming from the crime and so much so that he systematically hides it from the Tax Agency until Jordi Pujol has no choice, he is caught and has to declare in a press conference that he has that money, “the prosecutor added.

Grinda insisted on the “absolute opacity” of Oleguer’s statement when questioned about his banking operations and said he “lied or missed” when he said he had no assets abroad.

On the contrary, the Anti-Corruption Prosecutor believes that Oleguer “continues to hide” and “continues to have money”, for which reason he considered it necessary to investigate the little Pujol without being able to continue “maneuvering freely with his patrimony”.

The Anticorruption Prosecutor believes that Oleguer “continues to hide” and “continues to have money”

Grinda said that Oleguer “is not as non-existent a figure as the businessmen of the Rosa and Villalonga – also accused in the case and who dissociated Oleguer from the crimes of which he is accused-“, but rather “is the one who maneuvered and coordinated and who went to work to perform these tasks of opacity.

For his part, his lawyer Cristóbal Martell, accused the Prosecutor’s Office of his “radical ignorance of what is in the case” and of having an “extremely partial reading” of the facts. And he pointed out that “the opacity” of his defendant’s banking operations “received sufficient light” through the tax regulations to which Oleguer adhered, one in 2012 and another in 2014. “How is it going to continue committing money laundering? of capital with funds that are now regularized? “, added the lawyer.

Javier Nart does not clarify when and how he repatriated Switzerland’s money from his father

Javier Nart does not clarify when and how he repatriated Switzerland’s money from his father

C’s lawyer and MEP Javier Nart did not clarify on Monday when and how he repatriated money from the account in Switzerland that he inherited from his father in 1997, claiming that he is “all declared, repatriated and legalized without no fiscal incidence “by the Basque State Treasury and the State.

In his appearance in the Parliament before the Commission of investigation of fraud, tax evasion and practices of political corruption, has specified that “never” operated on this account, so the money he declared was that he received from his father, and currently does not have accounts in Switzerland. “There is not the slightest conflict with the Treasury and no prescription of any kind has been applied to me, there is no evasion if there is no tax violation,” Nart insisted, pointing out that he has never committed fraud, tax evasion or political corruption practices.

For him, leaving moral assessments aside, having accounts in Switzerland is not a crime if they are regularized, although he did not want to specify why, instead of closing it when he inherited it, he kept it open until 2008 and included his wife, children and four societies.

Faced with the insistent question of the groups about whether they had undeclared accounts in Switzerland from 1997 to 2008, they have not responded and have insisted that the Basque and state treasuries have all the information and have not sanctioned or opened incidents or files.

ETA threat

After noting that his father was the only one who refused to pay the revolutionary tax of seven million pesetas that ETA asked for, he explained that he entered money in Switzerland thinking about the possibility of emigrating because of the terrorist threat: “When I did not pay, it was a goal to liquidate, it was not a fiscal problem, it was a death problem. “

He also reiterated that the collection of 31,900 euros that appeared in his Swiss account and that came from the account of the former president of the Palau de la Música Fèlix Millet, responds to an error of the Swiss entity that both shared, and that he said so before the judge. “To think that I have the slightest relationship with CDC funding is simply crazy, the account is declared, repatriated, regularized and there is no problem,” he said.

Despite claiming his fight against tax havens as MEP of C’s, he has assured that any type of infraction “is a form of violence, but between a 9 millimeter parabellum and a fiscal issue there are notorious differences”.

Spanish money that clogged toilets in Geneva is legal, according to family

Spanish money that clogged toilets in Geneva is legal, according to family

A relative of the three Spaniards who last year destroyed with scissors almost 100,000 euros in 500 bills and threw them into the pipes in Geneva, which caused a clog in the toilets of a financial institution and of three restaurants, explained to the authorities that the money is legal.

The newspaper La Tribune de Genève, which revealed the mysterious case that went around the world last summer, reported today that the money belonged to a family of entrepreneurs active in the tourism sector and that it was savings from their family business .

This is what a member of this family had explained to the Geneva police last December.

The man appeared spontaneously before the forces of the order and the bank UBS, of which the women were clients, to justify the origin of the money that investigate the authorities.

The police recovered 26,000 euros from the clog caused in the toilets, and the member of the Spanish family has found that in the safe deposited in UBS and confiscated by the Justice are still several tens of thousands of euros in envelopes and some gold , according to the Tribune de Genève.

The man explained that it is a collective saving of several members of the family, including the three retired women who destroyed the tickets, and that there is nothing criminal behind.

Documents would support the version of the man, who also denies that he wanted to evade the Spanish Treasury, at least as far as he is concerned, always according to the same source.

According to the man, several years ago the family suffered pressure from a band of criminals in Spain and for these threats it was decided to deposit the money in a safe of a Geneva bank.

It remains a mystery why the three women decided to get rid of almost 100,000 euros.

The family member does not rule out the hypothesis of “a panic movement”, an irrational act on the part of some of his relatives.

If they acted out of fear of the entry into force in 2017 of the automatic exchange of banking information, having suffered further intimidation by the gangsters in Spain, by some type of inheritance and succession problem or by a disputed distribution over the benefits of The tourist company is still unclear.

In any case, says the Tribune de Genève, Geneva Justice seems convinced that money does not have a suspicious origin, at least from a criminal point of view.

“The explanations given allow us to discard the hypothesis of a criminal origin of the funds” destroyed, the spokesperson of the Judicial Branch of Geneva Henri Della Casa told the newspaper.

In Switzerland it is not a crime to destroy money, but the Prosecutor’s Office considered that the strange case deserved to be investigated.

The Spanish family compensated the establishments that found their toilets clogged by thousands of 500 euro bills cut.

Baby Planner

How to enroll your child in a daycare

We tell you the period and enrollment requirements, how the points system works and who the grants depend on

Up to three years education is not mandatory. Therefore, the supply of public nurseries is much smaller than that of schools and institutes , and in many places it does not cover the actual demand.

For this reason, it is important to know the steps and requirements to get a place in a public nursery.

The data that we offer below are general and common. As public nurseries are the responsibility of the autonomous communities , in your place of residence there may be peculiarities, so to obtain more reliable information it is convenient to consult the web of the community and the corresponding town hall.

Private daycares usually have their own enrollment requirements . However, the fact that they are private does not imply that they can act on their own.

All nurseries, public and private, have to meet certain requirements established by law :

  • Children must be controlled by professional and qualified personnel in early childhood education.
  • The premises of the nursery should be used exclusively for that purpose and have access from outside.
  • One of its facilities must be a multipurpose room with a size equal to or greater than 30 square meters.

The daycare center must comply with the educational program established by the Ministry of Education. In addition to these general criteria, each autonomous community can establish additional criteria to increase and guarantee the safety of children.

The registration deadlines in private nurseries coincide with those of public nurseries, although they tend to maintain somewhat higher levels of flexibility.

The main difference between public and private daycares is the price . The private ones are more expensive. Therefore, the first option of parents with average salaries is usually the public nursery. In return, private day care centers often offer much more flexible schedules that cover the needs of parents regardless of their working hours.

Requirements to apply for a place

In general, the requirements that are requested are similar in all the Autonomous Communities :

  • The baby must be at least 16 weeks old at the start of the school year.
  • Day care centers have to accept all requests, regardless of the number of places available. Then it will be decided how to give them.
  • The parents must be registered in the town where the day care center they are applying for is located.
  • Bring original and photocopy of the family book (if you have one), birth certificate, or other documents related to filiation in which you can check the name and date of birth of the child or the child and the relationship with the parents .
  • Deliver a certificate from the company or, failing that, the last payroll to record the working hours of the parents.
  • Documentation justifying the proximity of the family home.

Application and registration dates

It is important to know the registration period for day care centers , as it is a procedure that is done relatively before the date of final registration. If it is not done on time, you may miss the opportunity to obtain a place for the desired school year.

Therefore, if you are pregnant and you think that you are going to need your baby to go to a nursery when the course starts, you will have to apply for a place, even if the child has not been born . The law states that “a place may be requested for children in the gestation phase when their birth is scheduled at least 16 weeks before the start of the course.” This is so because in day care centers babies can only be enrolled after 16 weeks of age.

  • As a general rule, the pre-registration period in day care centers starts on February 15 and ends on April 30.
  • Starting in May, usually towards the middle of the month, provisional lists of admitted students are published.
  • At that time the claim period opens.
  • At the beginning of June, the final list of admitted students is published.
  • Since the last list is published, parents have an approximate period of one month, usually until June 25, to enroll in the nursery if they have been admitted.

How are the places awarded?

To assign the places, a scale of points is used that categorizes each applicant family according to their characteristics . The more points a family accumulates, the more likely it is to get a place for your baby.

To do this, a series of criteria have been established to which a specific score corresponds:

  • Annual rent of the family unit : 10 points when one of the two parents or the legal guardians receives the minimum insertion income, calculated according to the dependent children of the beneficiary.
  • Proximity of the address of the family unit or place of work of the father, mother or guardian , to the nursery:
    • 30 points, when the habitual residence is in the area of ​​influence of the nursery.
    • 20 points, when the job of one of the two parents or the legal guardian is in the area of ​​influence of the nursery.
    • 10 points, when the habitual residence is in the same municipality as the nursery, but not within its area of ​​influence.
  • Family members in school : 40 points, when the baby has a sibling enrolled in the same center, or when one of their parents or legal guardians works there at the time of pre-registration.
  • Disability : 10 points, when the baby, one of their parents or guardians, or one of their siblings, shows a disability equal to or greater than 33%.
  • Complementary criteria :
    • 5 points, for belonging to a large family or single parent.
    • 10 points, if the baby has a chronic disease that affects his digestive, endocrine or metabolic system, including celiacs.

Price of day care and subsidies

The price of daycare will vary greatly depending on whether you opt for a public center or a private one. However, there are common expenses in the different options from which you can extract an average to calculate, more or less, what will be the disbursement that must be done when the time comes.

  • Annual registration: between € 150 and € 200.
  • School insurance: between € 25 and € 30.
  • Monthly rate: between € 180 and € 200.
  • Material (uniform, tracksuit, bib, etc.): between € 100 and € 150.

The autonomous communities can grant subsidies to pay part of the price of private nurseries . The amount, criteria and number of concessions depends on the legislation and budget of each community.

It is advisable to inform yourself by visiting the education section of the website of the autonomous community and the corresponding city council.

Aid for private nurseries

In some Autonomous Communities there are specific grants to pay for private nurseries. For example, in the Community of Madrid there are checks for early childhood education, and in the Valencian Community there is a child voucher.

Usually, the subsidies for private nurseries are destined to:

  • Families whose two parents work full time.
  • Large families.
  • Families with income below the annual interprofessional minimum.
  • Families with a member with a disability, either the baby for whom the registration is requested, one of the two parents or the siblings of the baby.

When to open and how to use child or juvenile accounts

When and how to open a child or juvenile account?

The best time to open child accounts is relative and depends on the circumstances, although it is true that, as previously mentioned, a good time may be the birth of the child. In this way, you begin to invest in your future . However, they can also be opened later, when the child is something older, and use them to encourage the habit of saving and the importance of this habit.

What there is no doubt about is the necessary requirements for its opening. If the owner of the account is smaller, you must have a legal representative . The legal representative of the minor is usually his / her legal guardian, usually the father or mother, evidencing it through the family book, but it could be another person who will hold the legal representation of the minor if he / she credits it with a judicial sentence or any other document that proves the guardianship of the minor.

For the opening of a child account it is essential that the child has a DNI or, failing that, that it has a provisional NIF that the Tax Agency provides.

Free transfers, debit card without fee, account without commissions and more: find out now

What you should keep in mind about the use of child accounts

Once the account is open, it is necessary to follow a series of guidelines of the utmost importance at the time of managing it. The first one is that if the account is for the minor, it should not be used for the legal representative’s own affairs. In doing so, such conduct can even lead to judicial consequences.

Also, many times an avoidable error is committed: even though the parents act as legal representatives, if the child is the owner and the funds are for him, only he must be the owner. Otherwise, fiscal or even hereditary misunderstandings may result if the parent dies.

Depending on the mode of child accounts, there may be an associated card or not. It will not be credit, but debit or prepaid. The legal representative will have to authorize and confirm transactions with the account that the minor makes to be accepted.

Tips for opening and using a child’s account

It is true that the recommendations can be numerous, but highlight these three tips that will help you with the opening and also with the management of the account:

  • Search, compare and choose : it is something that we should always do when contracting any product, and this is no exception. Value the best option based on the age of the child, the use that is going to make the account or if you want to leave the money in the long term to generate a certain return.
  • Debit card with limits : it can be an excellent idea for the child to learn to be responsible and develop the value of autonomy. Of course, this will be directly related to the age of the child and the decision of the parents. At BBVA, you can hire a credit card from twelve years of age, always with a senior representative.
  • Read the conditions well : as with any product, it is vital to avoid unexpected surprises. Make sure there are no confusing or special clauses and that, if you do not want it, there are no other products or associated cards.

The truth is that child accounts offer interesting advantages. For example, commissions for administration or maintenance are not usually charged nor for transferring money from the parents’ account. In addition, it is also common that, when opened, gifts are offered for the child, such as toys or items designed for him.

March 19: Father’s Day

Father’s Day is celebrated on March 19
Today we tell you everything you need to know about this great day

Celebra el Día del Padre en familiaSan José is celebrated every March 19 around the world and in Spain we also celebrate Father’s Day . Ferratum wants you to enjoy this special day this year, which is why it offers you quick personal loans that will help you make San Jose day an unforgettable memory for your father and for the whole family! Ferratum Bank is always by your side, offering you the best service, and accompanying you on the dates, events, parties and traditions.

Apply for a quick credit with Ferratum and celebrate Father’s Day as a family.

Get your money now , from € 50 to € 700, to pay between 5 and 45 days. In just 15 minutes you will have the credit online in your account. Apply now for your quick online credits and surprise your father with a trip, an incredible gift or a dinner. The important thing is that in your day you feel very special! The next Sunday, March 19 is the day of San Jose, and with him in Spain is celebrated Father’s Day, as well as in most countries of Catholic tradition, since St. Joseph was the father in the land of Jesus.
These are the countries where Father’s Day is celebrated on March 19: Spain, Portugal, Morocco, Italy, Croatia, Honduras, Equatorial Guinea, Liechtenstein, Mozambique, Macao, Andorra and Bolivia. The third Sunday of June is the day chosen for this most widespread celebration worldwide, in this way countries like Argentina, Afghanistan, Canada, France, United Kingdom, USA, Japan, Chile, China, Colombia, Mexico, Ecuador … among many others celebrate Father’s Day on the third Sunday of June. We also find isolated cases such as Russia, where it is celebrated on February 23, coinciding with the Day of Defenders of the Fatherland. In Australia and New Zealand it is the first Sunday of September and in Syria and Jordan it is the first day of summer (June 21).

The day of San José is a marked day in which paternity and the figure of the father are honored. Date in which a party dedicated to all the parents of the world is celebrated.
With our immediate loans , you can not only get that gift that your father likes so much, you will also have the opportunity to organize an incredible party, a good family meal in a restaurant or a dinner in an elegant establishment suitable for the occasion. Surprise your father with a great gift and show him how much you love him and what it means to you. With the quick microloans of Ferratum you can make him happy.

Order your immediate online loans and celebrate San José in the best possible way.
Many are those who enjoy Father’s Day and have this date marked in red on the calendar. But … When did this event arise? What is the origin of Father’s Day?

A Big Kiss

The old lady was sitting next to me and apart from showing two turns of wild pearls from the hiccups, she wore what was previously called a “tipin”: she would not weigh more than forty kilos but she was embedding some lobster of trunk almost as wide as hers.

That is, he was alive and kicking but with his back in straight composure and handling the cutlery with ardor. I understand, although impatiently, that the language is alive and mutates with every stroke of the message of a cell phone, but when a big boy says goodbye to an old woman (pretty, but unpalatally old woman) with a, “Goodbye, a besazo “, the thing starts to worry me. To the lady of the scampi, too, judging by the face that she put of frightened content. His grandson or nephew grandchild surely has learned the “kiss” in the thousands of emails that are sent now without rhyme or reason, and that, that is serious, have camouflaged their parents of them, since both distrust the Internet.

I am a faithful reader of love correspondence, a literary genre, for what I am seeing, in extinction. Also, the simple courtesy is supplanted by things that one day occurred to someone and they have become flesh: “good weekend”!, That would enrage me beyond what I can explain because if you have “end” is that you have work the rest of the week, and if not you are unemployed, to sleep.

The simple ones, “kisses”, “a hug”, etc., without pretensions of intimacy , have also yielded ground to perjifiasis of great kitsch that do not respond even to the truth of the feelings, which are not always so extreme in civilized and vaguely known people.

I threaten from here to respond to “kisses” with a descorteous “papirotazo”, and if they keep insisting they will enter the factory and will make the passionate messenger succumb to embarrassment with a “lick”. But that is already invented among older idlers and lubricious. Patience? No, not this time.


Separation and Divorce

Consider your financial position

A separation or divorce is usually associated with additional costs for the court, for the lawyer or for a new apartment. For this reason, both partners may face a financial bottleneck that does not necessarily allow for a premium payment. Draw the appropriate consequences by:

  • Making insurance non-contributory: Some insurance companies offer policyholders to pay no contributions for a certain period of time. In this period, you usually do not enjoy insurance coverage. For some insurance companies, you have to pay for the contributions in one installment after the end of the non-contributory period.
  • Insure insurance: If you leave an insurance, no contributions or payments are due. This is possible, for example, with a life insurance. In this case you can take the insurance back later.
  • Insurance terminate: A very consistent solution is the cancellation of insurance. However, you always have to expect financial losses for products such as life insurance. In other cases, you are subject to notice periods and can not terminate the contract prematurely.
  • Selling insurances: An alternative to the termination is, for example, to sell joint life insurance contracts. However, you should pay close attention to the corresponding offers in order to minimize the losses on sale

Inform all contract partners

If you have split up, you should immediately report the changes to banks and insurance companies. Enter your new address and a possible new bank account. After a divorce, many take their birth name again. In this case, it is also important that the appropriate contract partners are informed. In many cases, you will also receive assistance from your insurance company in case of separation.

Prepare for yourself

When insurance contracts are dissolved or rewritten, it is important to check your own insurance coverage. For example, there can be important supply and security gaps. This applies in particular to liability and disability insurance. Especially you should take care of the health insurance.

Let us advise you!

In a divorce, a lawyer is usually consulted. If you have any questions about your insurance coverage, you can also seek help. It is also possible that you ask your insurance broker for help, if you use this service.

You should check these contracts

There are numerous insurance and financial products that you can take out during a marriage. It is important that you first check the most important policies after the separation. In this section, you will learn what to look for in the case of separation.

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Health insurance

In Germany, health insurance is mandatory for all citizens. For families there is the possibility that spouses and children are covered by the statutory health insurance for free. Prerequisite is that the spouse or children have no income or earn less than 400 euros per month.

In case of disconnection please note the following:

  • Within the separation phase, the spouse remains covered by Paragraph 10 of the Social Security Code V for free.
  • Within one month after the final divorce the co-insurance claim expires.
  • Within three months, the ex-partner must then voluntarily insure by law. He can stay with the same SHI or choose another SHI. She is committed to his admission.
  • If both partners were privately insured, the debtor must pay for the costs of the ex-partner’s private health insurance.
  • Private health insurance of both partners continue unchanged after the divorce. It is important then whether a maintenance obligation exists.

Health care after divorce

If a spouse does not have a social insurance obligation after the divorce and does not have their own health insurance coverage, then the health insurance will apply. In this case, the alimony of the ex-partner must cover the contributions to the health insurance. They then belong to the need for life of the other, who usually also looks after the common children.

After the divorce, the maintenance partner has the right to voluntary insurance in the GKV. If both partners were privately insured, they could insist on taking over the costs of the private health insurance as part of their maintenance.

Special case children

If children were covered by statutory health insurance during the marriage and benefited from the free co-insurance, this claim must be examined in accordance with the conditions of paragraph 10 of SGB V. If there was a private health insurance for the children, it must be clarified in the context of the health care support who takes over the insurance premiums and whether a voluntary statutory or private health insurance is used.

If in doubt, ask a lawyer

The topic “health insurance and divorce” is very complex. It is therefore recommended that you get here professional advice, for example, by your lawyer.

Private liability insurance

If two spouses separate, the common insurance cover of the private liability insurance will be retained for the duration of the separation. Once the divorce is valid, only the policyholder and his children are covered by the private liability. Therefore, it is best to take care of your own insurance cover immediately after a breakup.

Take care of a new insurance right away

If the policyholder has a new partner during the separation phase and he takes this into the insurance cover, the ex-partner is immediately removed from the contract. Thus, it can happen that you do not realize that you are without liability insurance. An early own protection at a separation becomes all the more important.

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In the case of a divorce, all “pension entitlements” acquired in the marriage are listed in principle. These rights are contributions to the statutory pension insurance or company pension scheme. Each partner then receives a so-called “retirement account” from the partner’s pension provider. The entitlements are then split up on these quotes so that everyone receives half of the total. This division takes over the family court, if no other regulations, for example, were recorded in a marriage contract.

This procedure is also called “supply equalization”. He should ensure that pension rights are distributed fairly among the spouses. In this way, for example, women should not be penalized in a divorce if they had not worked through the parenting. Compensation is valid for both childless couples and couples with children. He also intervenes when the partners have new life partners or married.

These claims are taken into account in the provisioning balance

  • Pensions for civil servants
  • Pension income from the statutory pension insurance
  • Income from occupational supplies of doctors or lawyers
  • occupational pensions
  • Income from Rürup or Riester pensions
  • Income from private pension insurance
  • Private disability, employment or disability insurance

Private pension insurance

Whether private pension insurance is covered by the pension scheme depends on whether it has been completed on a pension or capital formation basis. For pension-based pension insurance, the pension is equal and the spouse has to pay half of the claims to his ex-partner.

The same applies if the policyholder has not yet exercised his or her right to choose (capital or pension).

In case of disbursement of the pension insurance, the compensation falls under the so-called “gain-compensation” and not under the pension scheme. The policyholder then usually has to pay less to his ex-partner.

Riester pension: supplements

If a couple is childless, uses a Riester pension and gets divorced, nothing happens. Both can keep their Riester allowances and continue the contract. If the couple has children, the child receives the child allowance, which also receives the child benefit payments. If the child benefit changes after the divorce, you must report this to both the supplements office and the provider of your Riester pension.

life insurance

After a divorce you should check the contract of your life insurance. It does not matter whether it is a life insurance policy or a term life insurance. It is important who is registered there as a beneficiary. If only the “spouse” was registered, the claim of the spouse with the valid divorce expires. If the name of the spouse was entered there, a change is important.

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gain compensation

You can include the capital growth of your endowment insurance in the profit-sharing scheme. In that case, you have to spend less of your capital on your ex-partner.

Car insurance

After the divorce, the contract of car insurance for the policyholder usually continues normally. So the damage free discount for him remains. If, however, the other partner wants to insure a new car, it is usually classified in the least favorable damage class.

Talk to your insurance company.

Make a call with the car insurance and describe the situation. Often the insurance companies then expect a better SF class.


Basically, in the case of home contents insurance, the insurance coverage with the day of the separation only applies to the policyholder. As soon as the policyholder moves out, he reports the move to his insurer. Thereafter, the household effects of the old and the new apartment is usually insured for three months. After his departure, however, the other spouse is no longer insured.

However, there are insurers who grant two spouses a three-month insurance cover over the household policy after the separation. Unless you are the policyholder, you should immediately take care of a new household insurance.

Adjust the living space

After a separation, the ex-partners usually move first to smaller apartments. Be sure to adjust the floor space and the insurance amount in your policy to save money.

Other insurance

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Legal expenses insurance

If a joint legal protection insurance was used, this applies until the legal divorce for both spouses. Thereafter, only the policyholder is covered. He also keeps the policy. Therefore, it is important that you take care of your own legal protection, if you were previously only insured.

Private accident insurance

If there is a separate policy for each family member, there will be no changes after the divorce. Otherwise, you should change your family accident insurance into individual accident insurance after the divorce and check the subscription right in case of accidental death and change it if necessary.

Home Insurance

The policyholder of the homeowners insurance is legally the owner of the building, which is also registered in the land register. Usually both spouses are registered as owners. Thus, the insurance cover for both partners remains even after the divorce. If the house is sold after the divorce, the building insurance can be transferred to the new owner. He has one month to change the provider or the contract after the purchase.

Transfer of ownership changes insurance coverage

The joint insurance cover exists only as long as both spouses are still owners of the property. If ownership passes to one of them, the insurance expires for the other.

Assets and loans


In a joint checking account, action is important. The shared balance is shared as well as common debts. The division is usually made by the court.


If you have been holding time deposits, savings accounts, investments or securities together, they must now be equitably divided.


Not only credits must be distributed, but also loans. For example, make sure that shared mortgage lending is shared fairly.

Clear management of your finances

When sharing insurance, think about all policies. Nobody thinks of divorce at the beginning of a marriage. Nevertheless, you should clearly manage all contracts and policies. Thus, in the case of separation or divorce less effort for both parties.

Here you will find support

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Who has separated from his partner, can get professional support outside of family and circle of friends. This is important for insurance questions or legal issues around joint contracts. In many cases, friends and relatives are subjective and not subject-specific anyway. These instances can help you:

  • Insurance advisor or insurance broker: If you have questions about your insurance coverage or insurance contracts, you can contact the insurance advisors of the respective insurer. They help you to the products of this provider concretely. If you have your own insurance broker, he can assist you as part of his brokerage contract with advice after the divorce. It is also advisable to contact the broker during a divorce process or a separation year. This allows you to make important decisions about your insurance in advance.
  • Lawyer: There is hardly a divorce that is done without a lawyer. Since you are using this legal assistance anyway, you should seize the opportunity and consult your lawyer for help with insurance or contract issues. Many law firms also work with brokers or tax advisors so you can clarify other aspects of your lawyer.
  • Separation forums : If you feel overwhelmed with administrative issues, you can also get help on the Internet in appropriate forums. Note, however, that these advices are usually not legally binding, nor come from professionals. Forums should best be used to keep track of specific issues or to find out about specific questions in advance. When it comes to the concrete implementation, you should later trust your lawyer or the insurance broker or consultant. However, some decisions can not relieve you of these two instances. Thus, the forum remains in the network as a possible help with decision-making issues.
  • Associations, Associations and Support Groups : Support for legal or contractual issues can be provided by many different non-profit groups. For example, those who have children together receive support from associations for single parents. After a short research on the net, you will also find the right association or club in your area. Help can also be provided by church institutions after separations.

Childless in Germany

When I meet former classmates again or after a long time at family gatherings my uncle and aunt again, I am asked again and again: “And, how is it? Is not it soon time for you to start a family? “Even new acquaintances land on the second or third question on the topic at the latest:” Are you married? Do you have children? “My no will often be followed by astonishment. Hardly anyone believes that a woman over 40 can be one hundred percent happy if she does not have a stable relationship and has offspring. Why? It would never occur to me to define the value of other people over it.

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Of course, sometimes I think about my age, about my diminishing fertility. I am 42, probably I will remain childless. But is that so bad? Am I an egoist because I have no children? Does my life miss the point? I think: no! Even if some people want to persuade me something else. I’m fortunate enough to have a job that fills me – and through my success, I can achieve something for others. I believe in the social community and I am absolutely committed to advocate for the next generation. But there are several ways to do that: Some start a family, others find it more useful to volunteer.

Better than compelling children to self-procreate and place them in a world where they are often not really welcome, I believe supporting those children who are already in the world. Many millions of children live in dire need on our planet. That’s why I co-founded the association “Bread and Books”. In this way, we support the education of children in the Third World and help the Erich-Kästner-Kinderdorf in Germany, which gives physically and mentally abused children a new home.

I understand why a state like Germany is interested in having as many children as possible. After all, somebody has to pay the parties, the state budget and later our pension, to look after and feed us as we grow older. But that’s why you should not flirt with a special tax for childless, as some politicians do! As a historian, I can only shake my head. What a hopeless idea … That’s what the Roman Emperor Augustus tried to do when he introduced fines for the childless. What especially increased by this was the number of divorces.

And quite apart from that: The state engages itself too little. Every other day, a child under the age of six is ​​killed in Germany – but to save neglected and abused children, the control organs are lacking in money. The better equipment of kindergartens and schools as well as the appropriate reimbursement of child educators fail because of the money. Instead, Germany invests in armaments, in new tax subsidies for large corporations or agrarian barons. If I make that clear, then I understand all those who do not put children in this country.

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Sure, from time to time there are situations in which I regret not having children. For example, when I watch parents with their offspring in the park on a nice day, I sometimes think, “Oh, it would be nice if I had that too!” But that feeling certainly does not make me walk home, me to the computer and write a desperate ad: “Single woman, 40 plus, seeks father for future children – as fast as possible!” I could have imagined, to be a mother. If I could have been sure: My partner will always be there for his child – whatever happens between us. But this man did not meet me. Childless in Germany

How many women in Germany do not have children?

Of the 44- to 48-year-old women, around 21 percent have no children. Such high values ​​are otherwise only reached in Austria and Switzerland in Europe.
Incidentally, this proportion is significantly lower among older generations: only eleven percent of the 69 to 79 year old women in Germany have remained childless.
Source: Federal Statistical Office

With selfishness my childlessness has nothing to do. It is precisely this prejudice – I am a career woman who only thinks of herself and therefore has no children – that I have often met. I find this argument backward and narrow-minded. Obviously, we have not quite gotten rid of the classic role model yet. It is propagated that women should be selfless, devoting themselves to parenting – everything else is selfish. I ask you (and this is a rhetorical question): Will men who make a career be considered selfish? Emancipation still has a lot to do in this country!

After all: I have the impression that there is a change in society, a process has started, that prejudices against other people are slowly being reduced: We currently have a childless chancellor, who is married for the second time, a foreign minister, the self-confessed homosexual is, and a Federal President, who lives as a pastor in a wild marriage – and this government is considered conservative! That gives you courage for the future, right?