In this article we will cover:

  • Do you need liquidity and are you looking for a type of fast financing that requires few documents?
  • Are you convinced that the personal loan is the solution that best meets your needs?

So it is important that you know that if you work as an employee or receive a pension, today you can get the amount you need quickly and producing only two documents even with the assignment of the fifth.


If it is true that a traditional loan like a personal loan, offers you the opportunity to receive the money you need in a short time, the sale of the fifth today is a valid choice that, in addition to tight delivery times, guarantees you many more benefits and the presentation of only personal and income documents.

Before clarifying how it is possible to obtain it and highlight its other strengths, we spend a few words to provide greater knowledge of the assignment of the fifth.


As previously mentioned, it is a type of loan that can be requested only by those who have a paycheck or a pension and its main feature is to return it with monthly installments withheld directly from the salary / net pension received, the amount of which can not exceed the fifth of the same.

Let’s see a numerical example purely indicative:

If the net monthly income is equal to 2000 euros, therefore the maximum rate that can be incurred will be 400 euros.

The estimate must take into account this data, as well as the contribution age and age of the applicant.

In addition, the assignment of the fifth has a maximum duration of ten years, allows for higher amounts compared to the personal loan, provides life insurance coverage and loss of employment included in the installments, is accessible, even if other loans are in progress, if is protested, foreclosures and bad payers, does not require other guarantees, mortgages and it is possible to have it even in the absence of a countercurrent.

The documents necessary to request it are:

  • Personal Identities (Identity and Health Card)
  • Redditiums (Paycheck or Pension Board)
  • Certificate of salary / transferable quota issued by the Administration of belonging / Pension institution (The most structured and financed Financial Agencies usually organized by a delegation of the client are to assist him entirely on obtaining the document in quick timings)

Once this documentation has been obtained, the Financial Agency prepares the estimate to be submitted to the customer and upon its acceptance provides for the preliminary investigation.

This is followed by the resolution, the signature of the contract and the notification of the same to the employer, who in turn will countersign him together with the approval , accepting the deduction of the relative installment on the paycheck (pension) from the following month and to send it again to the financial company; at this point the loan can be granted.


Do not be frightened by the procedure you just read, it seems long but in reality, it is not; in fact, requesting a transfer of the fifth today is much simpler and faster than you can imagine, just rely on a contracted agency to get immediately the liquidity you need, simply by submitting:

  • ID card and health card
  • Paycheck/pension slip.

In fact, thanks to the agreements with public and private bodies, as well as with the pension, it is able to reduce the timing of loan disbursement, personally dealing with the request for a salary certificate (for employees) or transferable quota ( for pensioners).

In particular, for the category of INPS pensioners, this agreement allows direct access to the Entity website and download the transferable portion of the applicant.

A very important added value, which makes it possible to obtain an instant approval loan even in just one day.

The advantages in addressing an “Organized and Structured” Financial Activity Agency do not end here, in fact, thanks to it are guaranteed:

  • Total support and availability on site, at the customer’s home and by telephone
  • Transparent and competent advice to find the best solution for the customer
  • Assistance for the duration of the loan
  • Disbursement facilitated in the execution times

These are fundamental aspects that help to choose better financing, even in terms of the right conditions that are often strictly related to the protection of insurance coverage. In fact, the evaluation phase of the insurance company that can be used for each individual case is decisive. It is, in fact, the correct identification of the criterion of insurance assumability of a specific medical pathology, rather than of the risk of death caused by age or other factors, which determines the timing and the benefit of the outcome of the practice.

Relying on a Financial Advisor accredited as an Agent registered with the OAM Agents and Ombudsmen’s Office, verifying its Registration number, its competence, and its organizational structure becomes the reason for best service. This also applies after having signed a contract, because the subsequent management always requires the maximum availability and attention in respecting the agreed agreements, both in the agreed economic conditions (TAN and APR), and in the pre-established time (punctuality delivery) and especially in the sums counted (net amounts paid).

The day the bag discovered that it was worth nothing

The day the bag discovered that it was worth nothing

The economic crisis that began in October 1929 is one of the most momentous historical events of the first half of the 20th century. The stock market of Wall Street underwent in those dates a thunderous fall. On Thursday, October 24, the Dow Jones dropped to one of its lowest levels since 1800 . The fall in share prices led to the ruin of thousands of investors. Relevant businessmen and small shareholders were affected equally. The companies and banks sank. Panic broke out among the population.

The police were forced to close the bag. Investors flocked to the bank offices, knowing the bankruptcy that was coming, closed their doors, unable to give consistent answers to their until that day ‘pampered customers’. The chaotic situation ended with the jump into the void of not a few powerful businessmen who, faced with their financial disaster, launched themselves from the skyscrapers that occupied their corporate headquarters. Millions of citizens were irrevocably condemned to unemployment. The stock market declines did not stop until January, when it hit bottom. The United States fell into the so-called Great Depression, which would last more than a decade.

It had unleashed what, with the passage of time, has been considered the biggest financial crisis in the history of capitalism. Its unprecedented echo reached the most dependent nations of the United States, such as Japan, Latin America and Europe.

We highlight the keys to the blackest day of the world economy

We highlight the keys to the blackest day of the world economy


Background The end of the First World War gave way to a decade of economic dynamism in the US industrial and business sectors. The North American economy materialized a spectacular development, becoming the first world power. In a parallel way Japan did it in the East. The main nations depended economically on both, until there came a time when indebted Europe was forced to suspend its purchases. The agrarian and livestock sectors were the most affected. Some producers tried to stop the fall in sales by increasing production and yield. This led to a greater supply of products in the market and a consequent drop in prices. The US had nowhere to put its surplus.

Causes. In the midst of the prosperity of the ‘happy’ 20s, driving a speculative boom that led thousands of Americans to invest wildly in the stock market, signs of weakness began to emerge. At the end of the decade, brokers routinely lent huge amounts of money to small investors. Speculation was a currency in the stock market and the shares reached unlikely quotas. The economic bubble appeared on the scene. The average PER ( Price to Earnings Ratio , price ratio based on the company’s income) of the shares of the Standard & Poors index averaged well above the historical averages: 32’6 in September 1929.

the Dow Jones plummeted and panic-stricken investors flocked to sell

the Dow Jones plummeted and panic-stricken investors flocked to sell

their shares in droves. Investors had gone into debt via credit, corporate profits stagnated and banks began to have problems. Forty banks went bankrupt, and the enthusiastic customers of yesteryear, fearful of losing their deposits, retire them hurriedly. The entities can not recover the loans granted to the stock speculators or those others invested in the industry in the long term. About one hundred thousand companies went bankrupt. Millions of workers were fired.

The government reaction . The Republican Hoover, at the helm of the government, considered the crisis to be temporary and considered it unnecessary for the State to intervene to recover the economic balance. His passivity is soon punished. In that year 25% of the active population was unemployed.

Four years later, in the presidential elections of 1932, citizens voted for the Democratic candidate Franklin D. Roosevelt. His government, through the program known as ‘New Deal’, applies energetic measures aimed at starting up the economy and helping the most needy, who are legion.

Roosevelt, the great democratic hope, gets after long efforts to relegate to oblivion (almost) that Thursday that still today remains in the memory of capitalism as a warning of what may happen …

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Terrassa will sanction supply companies that violate the law of energy poverty

The Councilor for Housing, Lluïsa Melgares, has assured that the law contemplates

with Law 24/2015 of urgent measures to address the emergency in the field of housing and energy poverty . This has been announced by the mayor of Terrassa, Jordi Ballart, who pointed out that they are first trying to reach solutions “by way of agreement” but he assured that they do not rule out initiating legal measures against companies that are not willing to fulfill their part of ” corporate social responsibility “and carry out power outages, water or gas.

 these legal actions and that the consistory has already warned this summer that they would carry them out if there was any new court, what has been said has not happened. The City Council has created the Municipal Office of Attention to Energy Poverty and Promotion of Energy Efficiency (OFIMAPE) to assist residents with these problems.

As already promoted in housing with sanctions to financial entities with empty flats, the mayor of Terrassa has indicated that it will be “forceful” against those companies that provide services that do not comply with the law against energy poverty and maintain the cuts in families with difficulties in payment.

Both Ballart and Melgares have appealed to the “corporate social responsibility” of these companies, a question that the councilor has indicated is normal in the rest of Europe but has regretted that it is not at all rooted in Spain. Ballart explained that at first the consistory is opting for the “path of dialogue” and that is why it is in talks with companies to establish protocols to avoid cutting supplies to families. However, if these talks do not bear fruit “there will be no other remedy” than to opt for the legal route, since they have argued that the law allows them to undertake this sanctioning route. The collaboration is “nonexistent” on the part of the companies, according to Melgares.

Citizen assistance office

To avoid interruptions in electricity, water and gas and go further in energy efficiency, the City of Terrassa has created an office through which information and help families to avoid having problems in the payment of bills or well solve situations in which an end of supply has already been announced. Melgares explained that from this initiative a first visit will be made to the family that has problems and their situation will be studied, secondly, they will be examined if they are entitled to the social bonus and if they are not receiving it -what they have found is usual- The necessary measures will be carried out, such as reducing the contracted power.

It also contemplates the study of possible energy losses that are increasing the bill and training will be given to know how to adjust them. The office will offer a help service, advice and tariff accompaniment in case of receiving a water, electricity or gas cut notice, a service to promote energy efficiency in homes and an intervention service in a situation of severe energy inefficiency.

The office also has Social Services work, through which those people who go to the office and who end up needing help will have to go through and pointed out that one of the objectives of the new equipment is to “lighten” the large volume of work on problems with the supplies that until now they have had to face from their area.

In 2014, 1,403 families of Terrassa received aid to pay debts with supplies for a total of 264,500 euros and in 2015 the figures amounted to 1,372 grants and 273,000 euros. Ballart has said that they show that there is an “upward trend” and regretted that this is the case when companies continue to make profits year after year.

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Quick Money Without No Credit Checks

Receiving quick loan is not a straightforward undertaking and crisis need of cash might pop-out at any point in time. This can be completed by deciding on some sort of mortgage named-same day cash loans. We can currently look through our homes’ convenience, pay our residence expenses online and even preserving touching friends and family have now been doable for people! In the event you get a 0% balance transfer credit card for 6 months, pay off all of your high-interest obligations without incurring any extra interest in that period and begin again using a clean slate the increases could be huge.
The check is usually to be post-dated and also to be published for the advance loan lender. The client may also make an application for this type of loan through online style by searching the internet loans click here now. This instant selections cash loans don’t require distribution of documents as it is performed online. Additionally, in case of a quick cash loan, the customer will not need to be worried about facility charges.
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