Water sports insurance

A watersports insurance covers any damage you incur in the use or possession of your water sports equipment. This may be personal, property or pecuniary damage. Since mostly boats and their owners and users are secured, one speaks often of boat insurance.

Similar to car insurance, you can opt for water sports insurance between liability and comprehensive insurance. Basically, such a hedge is especially advisable for the owners of Wassergefährts. Because he is liable for damage caused by his boat, regardless of whether he has caused the damage himself.

Coarse negligence also insured?

Make sure when choosing the water sports insurance, whether gross negligence caused damage is insured.

The water sports liability insurance is not mandatory in Germany, but strongly recommended. Because in case of damage, the uninsured boat owner can quickly incur costs in the millions. If people are injured, the sum increases quickly for compensation. If you are traveling without a water sports insurance with your watercraft, you risk your financial ruin in the event of a claim.

Mandatory in some European countries

Even those who travel with their boat in other European waters, should opt for a water sports insurance. There are regulations in Spain, Switzerland, the Netherlands, Italy and Greece requiring insurance. If you use your water vehicle in these or other countries, you should also pay attention to a corresponding foreign cover in your water sports liability, similar to the Mallorca policy for cars. This policy also provides insurance coverage when chartering boats, even with skippers and crew.

Insurance cover not only for boat owners

Similar to the car insurance, all those who are authorized or responsible for the use of the water sports equipment are insured in the water sports insurance in addition to the holder.

Insurance protection of private liability is usually not enough

Although there are many private liability policies or home contents insurance, in which also water sports equipment are secured, but this insurance is usually not sufficient. The private liability policies, for example, only cover damage caused by a surfboard or dinghy. Motorboats or sailing yachts with outboard motor are not insured with the product.

If you use one of the following water sports equipment, you should opt for a watersports insurance: jet skis, yacht, motorized boats, motorized sailboats, jet boats, hovercraft, catamarans. Also, keep in mind that you should have appropriate insurance coverage when hiring these fellows to be protected from high costs in the event of damage.

Coverage and insurance coverage

A water sports insurance covers personal injury, damage to property or pecuniary loss up to the contractually agreed sum insured. As a rule, covers between 2 and 15 million euros can be selected. The cover assets for pecuniary losses are usually in the significantly lower, six-digit euro range.

The following damages are usually not covered by the water sports insurance:

  • Damage that is inflicted on a policyholder himself
  • Intentionally caused damage by policyholders
  • Damage caused to close relatives (for example, parents or children)
  • Penalties or fines resulting from damage caused

Coverage of water sports insurance in other European countries

The cover sums of other European countries usually differ significantly from the usual hedging levels in Germany. This means that you can have insufficient cover in the event of damage because the insurance cover is based on the location of the accident. Therefore, it is advisable to integrate an additional cover, similar to the Majorca policy in the car for watercraft in the contract. This means that you benefit throughout Europe from the high insured sum that already protects you in Germany.

Where boat insurance is compulsory, the following minimum sums apply in Europe:

country Liability insurance Minimum coverage
Germany Not mandatory
Belgium Not mandatory
Denmark Not mandatory
Finland Not mandatory
France Not mandatory
Greece Proof on board 500,000 euros (property damage)
150,000 euros (environmental damage)
Italy Motorboats over 5.44 hp (4 kW) 766,938 euros
Netherlands Proof on board 567,225 euros
Austria Not mandatory
Poland Not mandatory
Sweden Not mandatory
Switzerland Motor and sailboats over 15 m 2 sail area 2,000,000 SFr
Slovenia Not mandatory
Spain Motor and sailboats over 6 meters long and water scooters 120,202 to 240,404 euros (personal injury)
96,161 euros (property damage)
Turkey Not mandatory

Complete water sports insurance

In Germany, there are various insurance companies that offer a water sports insurance. These include the ADAC, Gothaer, Alte Leipziger, HUK, Helvetia or Zurich.

Most insurance products can be completed directly online on the homepage of the respective provider. Special yacht insurance for large yachts or for commercial ship use, however, must be requested directly from a consultant of the respective insurance, as the scope of conventional water sports insurance, for example, is insufficient for luxury yachts.

The insurers can choose from:

  • Water sports or boat liability insurance
  • Water Sports-risk insurance
  • Skipper liability insurance
  • Special sailing yacht insurances

If you are looking for a general hedge, you should opt for a water sports liability when buying or before the regular boat charter. If you use a new water vehicle, it is advisable to select comprehensive protection.

That costs a water sports insurance

The amount of the insurance tariffs depends on the water sports insurance on the one hand, depending on whether you select a basic liability insurance or a cascade variant. In addition, decide the size of the boat or the engine and the chosen coverage over the actual cost. For sailboats also the area of ​​the sails plays a role in the calculation of the tariff.

If you select a collateral coverage, you can also influence the tariff level by the selected deductible. Most insurers calculate the hull rates based on the time value of the boat and the desired scope.

  • Water port liability insurance is possible for small boats from just 40 euros, but can also cost up to 400 euros per year.
  • If a fully comprehensive insurance is chosen, the prices start at around 250 euros per year and rich in expensive boats quickly up to several thousand euros, which you must transfer annually to the insurer.

Water sports liability

Water sports liability, like all liability policies, is an elementary safeguard against any damage you or others may cause with your water sports equipment. It assumes the costs that are due to personal, property or pecuniary damage up to the amount of the insured sum agreed in each case. In addition, the water sports liability also damages third parties. Also water damages are covered by the insurance protection. Thus, the water sports liability is different from a conventional personal liability insurance.

Exclusion of benefits: Damage that you receive yourself is not covered by the liability. The same applies to intentionally caused damages as well as fines, which are charged in connection with the cause of the damage.

Proof necessary in countries

In some countries, such as Greece, you need to provide evidence of water sports liability. This is the so-called "blue insurance card".

Water sports insurance

A watersport insurance protects boat owners from damage that can be caused to their own water vehicle. These damages can be caused by accidents or natural hazards like lightning strikes or storms. Even explosions or thefts on your boat are covered by the comprehensive insurance. Thus, the comprehensive insurance differs from the water sports liability, which does not pay for their own damage.

The insurance covers both own and third-party debt. Thus, damages by third parties are covered by the insurance. On request, with the comprehensive insurance, in contrast to the water sports liability, other components of the boat such as dinghies are also insured. Disposal costs or wreck salvage are usually included in a comprehensive insurance. In addition, many insurers also offer comprehensive insurance for storage in shipyards or docks.

Check for dinghies

Before completing the comprehensive insurance, check whether, for example, dinghies or other supplements are also insured. In addition, the insurance cover should also protect the hibernation or transport of the boats.

Skipper liability insurance

Skipper liability insurance covers personal injury, property damage and property damage caused by a skipper. This hedge is not offered by the traditional water sports liability.

This special water sports insurance is particularly useful if you are a skipper of a chartered boat. In this case you are responsible for the crew and the boat and are fully liable for any damages. If you do not use skipper liability, you can receive millions of claims in case of damage.

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Quick credit by phone – up to € 60,000 from anywhere

What options do I have to contract fast loans by phone?

Most of the companies that are dedicated to the loans have adapted to the new technologies and allow us to get all kinds of quick credits with the mobile phone. These rates vary among them in their amount, cost and term of return . Thus, we can differentiate three large groups with which to get financing from our s martphone :

  1. Mini-credits: granted by private equity companies, the mini-loans will allow us to get up to € 750 if we are new customers, with an average cost of 1.1% per day and a maximum return period of, generally, 30 days. This product stands out for its speed, being able to count on the money in our account in a few minutes.
  2. Quick loans : there are lenders that also offer larger loans (up to 5,000 euros) to the mini-loans, with lower interest, but with a longer term, which can range from 3 months to four years. These are loans that we can get in a very short time and without changing banks with a cost of around 6% per month.
  3. Personal loans online: some banks and EFC (Financial Institutions of Credit) offer us the option of obtaining financing in a record time for amounts that reach € 60,000 in some cases. Its cost revolves around the national average documented by the Bank of Spain in its latest study at 8.83% APR and have longer repayment terms than those of the previous products, since they can reach 10 years.

Depending on our financial profile and our financing needs, we will have to choose one option or another among those previously mentioned. Mini-credits and quick credits can save us from an unforeseen expense in minutes, while personal loans will help us finance major projects such as a reform, a wedding or a big trip.

The technology of the quick credits that you can request from your mobile

The increase in demand for this type of financing not only lies in the change of our lifestyle, but also in its enormous adaptation to the technological revolution that the world is experiencing. This adaptation has focused on two aspects, the speed of the concession and the comfort for the client and has done so in the following ways:

  • Online application : all the urgent credit companies that appear on this page allow us to carry out all the hiring online with the help of our smartphone .
  • Lenders have resorted to algorithms that will analyze our financial history in seconds. In this way we can achieve preapprovals almost immediately.
  • Many companies have developed their own applications from which we can request financing by simply downloading them from Google Play or App Store from our mobile phone.

Thanks to these improvements in your service, we can get financing in a matter of minutes and only with our s martphone . In this way, we will avoid many paperwork and have to move to an office for your application.

How to request quick credits by phone?

Most of the loan companies have adapted websites to be able to visit them from and request quick loans our mobile phone with their apps , so we will only have to enter them and follow the following steps:

  • Choose the amount and the term: lenders usually have a calculator on their website where we can choose how much money we want as well as the term in which we want to return it. Once selected, they will show us the cost of the credit that we want.
  • Fill out the online application with the personal, labor and economic data required by the company to which we have requested financing.
  • Contribute the documentation: depending on the type of quick credit that we request, we must send the documentation by email, mail or, in the case of mini-credits, whatsapp or sms.
  • Receive the contract and accept its terms and conditions in case it has been approved. This step can be done through the mobile, in an ATM or in person depending on the type of loan requested.

Once we have completed these steps, the lender will make the transfer of the money to our account and in a maximum of 48 hours we can count on it. These terms of analysis and transfer of money were unthinkable not many years ago, but the adaptation of the lenders to the digital age have made them possible.

Requirements to be able to request fast loans by mobile

Logically, we can not request fast loans by phone without meeting a series of requirements that all lenders demand for the granting of financing . These requirements vary depending on the company to which we are requesting, but all coincide in a series of basic needs:

  • Be of legal age and resident in Spain : although many companies will require that we have more than 21 or 25 years. As for the documentation to be provided, our DNI or NIE will suffice if you are not born in Spain.
  • Have a sufficient income and be the holder of a current account : this way, the lender will know if we are able to repay the loan and where to enter the granted money.
  • Do not appear in a file of defaults : although there are companies that do grant quick loans with ASNEF , most lenders reject people who have incurred defaults, especially if these come from another loan or the deferred payments of a credit card .

With these three requirements met, we will be one step closer to getting a credit by mobile. In addition, this information can be easily provided thanks to new technologies, making the processing process much faster than

How long will it take me to get a quick credit?

There are many factors that determine the speed with which a credit will be granted ranging from the time of sending the documentation to the transfer of money . In the case of quick credits by phone, all will arrive in less than 48 hours from our pre-approval.

However, mini- credits and fast online credits win the race by making us count on the money in a matter of minutes. This time may be affected by the transfer of the capital to our account. If the mini-credit company that we have requested works with the bank where we have our account, the transfer will be instantaneous, even on weekends.

If, on the other hand, we contract financing with a lender who does not work with our bank, the money can take between 8 and 48 hours to arrive from your request. This is due to the fact that transfers between different banks depend on their opening hours and will never be made on weekdays or holidays. If you want to know how to accelerate the arrival of the money, or with which bank the lender works to which you want to apply, this free guide can be of great help to us:

Do you need money urgently and do not know how long it will take? Discover how to get the money in your account in minutes

With the new free HelpMyCash guide you will learn:

  • Why your mini credit can take between minutes and days to transfer the money
  • On what bank transfers depend
  • How long it will take the money depending on your bank
  • How to make the money from your mini credit arrive immediately

Give us your e-mail and we will send you completely free the guide prepared by the experts of HelpMyCash on all the tricks that you must know so that the money transfer of your mini credit is immediate.

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Vivus Wallet, the new app that turns your smartphone into a digital wallet

Vivus Wallet, the new app that turns your smartphone into a digital wallet

At the speed at which new technologies are advancing, you have already had the opportunity to pay with your mobile phone in a store or establishment. Do not? Well then you need to know Vivus Wallet and start enjoying all the advantages it offers you.

What is Vivus Wallet?Image result for mobile app

Vivus Wallet is the new free app from Vivus.es that turns your smartphone into a digital wallet . As soon as you register, you will have a personal Vivus Wallet account with which to operate. To do this, you only have to click on the “I want immediate money” button and you will receive the money instantly on your smartphone. In addition, you can also transfer or request money to a friend or family member , or send money to a bank account where you need it most. So comfortable and simple.

How does Vivus Wallet work?

To recharge your balance in Vivus Wallet, you can do it in three different ways:

  1. Request immediate money : Through this option, you can request a microcredit with Vivus and have cash at the time. No waiting!
  2. Top up money with a bank card : You can also use a bank card to top up your balance. The amount will be charged to your card as any purchase you usually make with it.
  3. Ask a friend for money : Are you waiting for a friend or family member to return money? Request money through Vivus Wallet and a notification will arrive to your mobile phone.

Whenever you have money available in your Wallet Wallet account, you can transfer it in two ways:

  1. Transfer money to a bank account : Enter the amount you want to transfer and the IBAN number of the account where you want to transfer the money.
  2. Transfer money to a friend : Use this option to send money to a friend or relative. You just have to choose the amount and select your friend in the phone book of your phone and the money will be transferred to your Vivus Wallet account immediately.

Vivus Wallet and Correos: collect your money in any office

Can you imagine that in addition to your smartphone you could have your money in cash ? Well, it’s possible too! Thanks to the agreement we have reached with Correos, with the Vivus Wallet app you will be able to withdraw cash in any of its offices nationwide (there are more than 2,300). Sound good right?

Look around. Wherever you are, you are very close to a Post Office. There are more than 2,300 in cities and towns across the country. Now look at your pocket and rejoice, because from today with your   Vivus Wallet app you can withdraw money directly money in any of those offices, with total comfort and security.

How is Vivus Wallet’s Vivus.es app different?

When you request money through the Wallet app, we transfer the money directly to your mobile device , instead of to your bank account. This makes the process instantaneous and you do not have to wait to dispose of your money. In addition, you can send money to friends and very soon, pay in shops with contactless technology, as if your mobile were a credit card.

Do you dare to try it?

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Will payments with phones end with cash?

The payment through contacless technology with mobiles advances fast, which opens a horizon of opportunities and problems that requires a reflection

In London you can not take a bus in London paying the bill in cash, but if it is possible to pay with a mobile phone. Something incredible if we take into account that it is an essential public transport service. This example tells us about the boom that telephone payments are experiencing.

The tendency to use electronic payment systems is total in services that operate completely on the internet. To such an extent comes the thing that to give a tip to a driver in transport applications such as Mytaxi or Uber you have to use the application. On paper, this new type of payment seems quite positive, because for example the possibility of using black money is blocked.

One of the advantages of digital payments is that transactions to be recorded stop the boom of black money

In fact, a quick search of information in Google on the increase of the payment with mobile returns shows a clear majority of information on the benefits of this system. However, it is clear that not all are advantages and that the old hard cash is still important.

Beatriz Fernández Olit, economist of the organization Economistas Sin Fronteras, explains to La Vanguardia that it is estimated that between 5 and 6 percent of people still do not have current accounts in Spain. Indispensable to use these electronic methods of payment. A significant figure.

Payment by contactless changes many things. 

He also tells us that there are people who may have problems accessing a checking account. As for example immigrants who are waiting to regulate their situation. What hinders the access of these people to certain services and their personal development.

Privacy is a somewhat worrisome aspect of payments with the phone. It is true that it is very well to put restrictions on cash payments so that black money comes out, but privacy is also compromised when using electronic payment methods such as contactless. Everything is registered and these data are susceptible to being used as big data.

Do not forget that in too many cases we thought that supposedly safe data has been leaked or misused. There is the case of Cambridge Analytica to prove it. In addition, the economic data is not any data. For the footprint left allows reconstructing quite important aspects of someone’s life.

Sources from the Bank of Spain have explained to La Vanguardia the advantages of those who continue to enjoy the money in cash against the new payment systems: “Up to now, cash is the only really instantaneous means of payment, it is universally accepted and it is available to everyone including people who live and work in economies with little access to banking services. It is also available in any circumstance, even when there are problems with communications or there is no access to energy sources. In addition to a means of payment, cash is a safe deposit, as has been demonstrated in times of crisis, bank or country, in which citizens have preferred to increase their holdings of notes in “strong” currency before the fear of not having access to their balances or that they lost their value “.

Contactless payment systems not only include the phone, smart watches and electronic wristbands also allow these payments.

The Bank of Spain also provides us with some interesting clues about the rise of cryptocurrencies, a term that is certainly questioned: “What will change with the application of new technologies to payments are the proportions in the use of the means of payment that are used. Nor is it expected that cash be replaced by so-called cryptocurrencies because they do not meet the requirements to be considered money: they can be a means of payment, but are not easily accessible, are not universally accepted and are not a stable value deposit . In fact, in fact, they are cryptoactive. “

Another aspect that seems very relevant to us is that of security. It is true that banknotes have historically been falsified, so we should not think that cash is synonymous with total security. But at least it does not suffer from the problems that derive from the fraudulent use of technology.

The Bank of Spain explains that cryptocurrencies do not meet the requirements to be considered money

Ana Belen Santos Painter, responsible for the Office of Internet Security of INCIDE (National Institute of Cybersecurity), explains to La Vanguardia that although in IT there is “nothing 100% safe” there can only be some insecurity in the case of the use of payment method with contactless in very specific circumstances.

“There may be some insecurity if the NFC system of the phone is always activated and we are in an agglomeration, if we have not activated a security mechanism in the telephone payment system, such as having to enter a code, someone with a payment terminal that is located a short distance could rob us, “says Santos.

It is key to reinforce the security of an entire smartphone to prevent someone from taking money from us

Among the recommendations provided by this expert to strengthen the security of payments by contactless is to receive a message that must be entered in the phone to authorize payment, a system that some banks provide. Beyond payment through contactless systems Santos says that it is important to control that our phone is not affected by any type of malware that could steal data about passwords or other data stored in the mobile.

Something in which Android phones are especially vulnerable. Do not forget that one of the best ways to spread malware in our phone comes if we authorize Android to install applications of unknown origin, which escape the security controls of the Play Store.

Malware is one of the biggest risks in that someone can steal money from our accounts

Other advice provided by this expert is that the phone should not be left to anyone and strengthen the systems for accessing applications. Even those of social networks. If it is possible in our terminal to request an access code to certain apps through a password or through the fingerprint reader, it is a good idea to activate it. This would prevent that in the case that for example our phone is stolen or lost, and we do not realize it until after a while, someone can access our personal information.

Anyway it is clear that payments with phones will continue to grow with almost total security. But it is a good idea to think if we are prepared for it and if the legislation that regulates these transactions is sufficiently developed, especially for privacy purposes.

The privacy of payments is one of the great challenges of monetary transactions using the smartphone

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Smartphone insurance in the test: Is the protection for the phone worth it?

First of all: Smartphone insurance is only recommended for expensive devices. Because with a price of about five to eleven euros per month, the protection letters and mobile phone insurance are not favorable. However, since a new smartphone or iPhone with the appropriate equipment can quickly cost just under a thousand euros , it is hardly surprising that mobile phone users want to secure their phone.

On the one hand, the device can fall down very quickly or be damaged by moisture. On the other hand, new mobile phone models are popular with pickpockets and robbers. Who concludes a mobile phone insurance, feels protected against such damage. But often the appearance is deceptive . Not every smartphone insurance offers sufficient protection in case of emergency.

Mobile phone insurance in the test: What protection is good for the smartphone?

For the comparison of mobile phone insurance, CHIP online has taken a closer look at twelve different offers for the smartphone in terms of price, performance, terms and claims settlement. The good news: Some smart phone insurance companies offer extensive benefits, such as breakage and water damage reimbursement and pickpocketing protection. From time to time , however, the fine print hides bad news.

Smartphone insurance in the test: Beware of the terms of the contract

Before concluding a contract interested parties should pay attention to the exact terms of the contract . Because long notice periods or contract periods, a high excess or a reimbursement only in the time value can lead to frustration for the customer. In the mobile phone insurance test, three fares earn more than 85 out of a possible 100 points in the overall ranking. The best offer even convinces with a total value of 95.

Top 3 smartphone insurance companies in the test:

  1. Assurant Solutions – Friendsurance Mobile Phone Protection Premium
  2. Allianz – MediaMarkt / Saturn Plus Protection
  3. Assurant Solutions – HandySchutzbrief Premium

Is a mobile phone insurance really necessary?

The test winners in the mobile phone insurance comparison each cost around eight to ten euros per month . Under certain circumstances, mobile phone users can also save on these expenses. Because smartphones are partially covered by a household insurance. A good insurance protects the smartphone, for example, not only in a burglary in their own homes. It also refunds the new value if the phone is stolen from the locked car.

Even the smartphone tariffs often do not offer better protection . In the case of theft, the mobile phone insurance, for example, only with sufficient care of the customer. That is, the theft from open hand or jacket pockets is not covered by the insurance .

Service: Compare now with the rate calculator a variety of home insurance.

Mobile broken: When does a liability insurance help?

Liability insurance can offer insured or injured persons valuable protection. For example, if you accidentally knock your friend’s cell phone off the table and the display shatters, the private liability for the resulting claims for damages of the acquaintance jumps . Under certain circumstances, even your own expensive cell phone is secured. With a so-called default coverage, the insurance pays a new cell phone, if someone else damaged the device, but this itself does not have the financial means or its own liability insurance .

However, only a very good smartphone insurance helps in case of operating errors, a broken display or a wetness on the smartphone.

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How to know if you should buy or not the iPhone X

How to know if you should buy or not the iPhone X

Unless you’ve been hiding in a cave for the past few weeks, you’ll have heard that it’s now possible to buy the most desired mobile phone of the moment: the iPhone X. The launch of Apple’s flagship product has been one of the most anticipated in the industry. The problem is that not only the expectation is being maximum, but also its price: the 1,159 euros of the most basic iPhone X make this phone is not suitable for all pockets.

The purchase of the iPhone X entails a very important financial outlay that can jeopardize the sustainability of any domestic economy, so before running out to the nearest Apple Store or order one from your phone company, we recommend you read this article in which we will analyze how to know if you should buy or not the iPhone X.

Do you really need an iPhone X?

It is the typical question that everyone asks before buying something: do I need it? Actually it is a trick question that could almost always be answered with a “no” and settle the dichotomy forever. We will go a little further until we find an economic reasoning to the question.

A need is the feeling of lack of something, coupled with the desire to satisfy it, and may be primary or secondary. The primary needs are those that are essential, because they are linked to our human condition (feeding, dressing, housing …); while the secondary needs only serve to increase our well-being (a vehicle, jewelry, the Playstation …).

Obviously, the iPhone X serves to cover a secondary need , so the first question we must ask ourselves is if we really have the need to replace our current mobile phone with a new mobile phone and – do not stop with the play on words – also the need to cover this need.

If your current smartphone is recent (it is not more than two or three years old), it works in a fluid way and supports all the app you need for your day to day, then you do not have the real need to replace it. You could do it, but it would be a whim, not a necessity. If on the contrary, your smartphone works inefficiently, it takes a long time to load the apps and, in short, it is becoming obsolete, then you do have a real need to replace it.

Is there any substitute product for the iPhone X?

Assuming that you really have the need to buy a mobile phone and that the iPhone X is your favorite, we turn to the second question: is there a substitute product for the iPhone X cheaper and with similar features? By definition, a product is a substitute for another if both cover the same need, so that the consumption of one implies not consuming the other.

With respect to the iPhone X, an iPhone of lower category would be a good substitute for it. For example, the iPhone 8, also released for sale in recent weeks. Even the iPhone 7, which is the model of last year, is a perfect substitute for the X. Similarly, there are many smartphones with Android operating system that do virtually the same as the iPhone X but at a lower price. The marketing of Apple plays a key role here to make you believe that the new iPhone is the best option for you, but this may not be true. Meditate on it

What is the opportunity cost of buying it?

If after a deep meditation you reach the conclusion that the iPhone X is the mobile phone you need to cover your need, then you should ask yourself what is the opportunity cost of buying it. From a strictly economic point of view, the opportunity cost of buying something is the value, measured or not in money, of what is renounced when making a decision .

Choosing implies implicit renunciation, so the opportunity cost is present in all our decisions. We can not have everything we want, but we can choose according to our preferences and our level of income . We assume that your preferences are well defined regarding the purchase of the iPhone X but, does your level of income allow you to execute the purchase? In other words, do you have enough money to pay for it?

If the answer is affirmative, we return to the initial question in this section. The opportunity cost of buying the iPhone X would be everything we could do with the 1,159 euros it costs: buy another product to cover a basic need, buy an experience that increases our personal well-being (like a few days of vacation with our partner ) or simply save the money to later invest it and put it to work for us benefiting from the power of compound interest.

So, do I buy it or do I buy it?

We are sure that if you have read this article from beginning to end and have been honest with yourself, you already have an answer. If this is affirmative, congratulations! We are glad that you make a totally rational purchase and we want you to take many photos and to fully exploit the potential of your brand new iPhone.

If on the contrary you have come to the conclusion that the iPhone X is not for you. Congratulations too! We are glad that thanks to a rational purchasing process you have avoided a compulsive purchase that surely would have brought you more dislikes than joys in the future.

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Things you can do with your phone today and that were previously unthinkable

Things you can do with your phone today and that were previously unthinkable

Would you be able to live without a cell phone? Imagine leaving home in the morning to go to work leaving your smartphone on the bedside table. No consulting social networks, reading your favorite blog, looking at the weather or using Google Maps. It seems difficult to survive this digital disconnection, right? The truth is that yes.

Technology is so ingrained in our lives that it would cost us horrors to live without it. As proof, we are going to show you some examples of things that you currently do with your mobile and that seem normal to you , but that were unthinkable a decade ago.

Can you imagine doing this with the phone 10 years ago?

There are a lot of applications that allow you to check the time on your smartphone : maximum and minimum temperatures of the day, rainfall, wind speed, atmospheric pressure … A few years ago this information was quite inaccessible. If you wanted to know if it was going to be cold, hot or if it would rain the next day you had to wait after the news and watch it on television. There were no more possibilities.

1. Bank procedures

Maybe you have not realized that since you have a smartphone, you go a lot less to your bank office . Procedures such as checking your current account, making a transfer, directing a receipt or ordering an income can easily be done from your mobile phone. You can even make payments without having to carry the card with NFC technology.

2. Go shopping

And when we say we make the purchase we want to say that you can buy absolutely everything. Internet and your smartphone allow you to carry in your pocket the largest shopping center on the planet: clothes, shoes, electronics, cosmetics … Everything is accessible in minutes . Until the purchase of the supermarket you can do it in the subway on the way to work and receive it at home a couple of hours later.

3. Easily access information

If you were born at least a generation before the millennials you will remember how a few years ago access to information was limited to television, radio and the press. If something happened in the world, you usually learned the next day at lunchtime. Today we live intoxicated of information . Any event that occurs on the planet will be on your smartphone in minutes.

4. Schedule air conditioning

And not only that. You can also turn the lights on and off, open the door to the house without a key, order your robot vacuum cleaner to vacuum the house or control your electricity consumption. In short, you can completely domotize your home and use your smartphone as the nerve center of it.

It is difficult to imagine that these five simple things before could not be done with the ease with which they are made today. And they are just some examples. You can also request that a taxi pick you up at a specific point, make a medical consultation, order food at home or consult which is the cheapest gas station near you. A decade ago this would have sounded like science fiction.

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How BBVA telephone banking works

How BBVA telephone banking works

The BBVA telephone banking allows you to carry out all your operations and inquiries through a call, in an agile and simple way. Accessing the service is very easy:

  • Calling Línea BBVA at 902 22 44 66 or 91 224 94 26; where, if you wish, you can talk to an agent.
  • Calling the freephone of the BBVA Automatic Line 900 81 61 61.

Advantages :

  • Quick: the more information you provide, the more agile your management will be.
  • Simple: as easy as identifying yourself and telling us what you want to do.
  • Both individuals and companies have a wide range of queries and operations in just one call.

How does it work?

Using the BBVA telephone banking service is very simple, you just have to call the telephones that we put at your disposal, identify you and say what you want to do.

If you are already a telephone banking user:

  • Identify yourself with your ID.
  • Communicate what operation or query you want to perform.
  • We will request two random positions of your access code to be able to process it. In some cases, in addition, it will be necessary for you to provide us with your operational code.

If you are not a telephone banking user:

  • You can sign up for the service on your first call. Remember to have your BBVA cards handy.

To make it even easier, you can use the agile operations that you have configured in your private part of bbva.es, as well as the aliases that you have assigned to your products. An alias is a name with which you have identified your products in your private part of bbva.es.

You can also use your contact book to, for example, make a transfer to one of them.

These are some examples:

  • “I want to check the balance of my Payroll account”
  • “I want to make a 150 € transfer from my Savings account”
  • “I want to recharge € 20 on my mobile (operator)”
  • “I want to check the BBVA price”
  • “I want to know the phone number of office 4321”

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

Available operations

Through the BBVA line you can:

  • Check the balance of your accounts, credit cards, deposits, pension plans or investment funds.
  • Check the latest movements of your accounts and cards, with the possibility of sending a copy to your e-mail.
  • Make transfers and transfers.
  • Send money to the cashier for withdrawal without a card.
  • Recharge your mobile phone.
  • Check and return receipts.
  • Activate a card or change the payment method.
  • Check your portfolio and stock quotes.
  • Consult information of BBVA offices.
  • Manage your keys
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CaixaBank allows you to send money from iPhone speaking to Siri

CaixaBank allows you to send money from iPhone speaking to Siri

CaixaBank has just launched a new service that allows sending money using the Siri service, available on iPhone mobile phones. In this way, customers who have installed the application of the entity or imaginBank can use this new service. CaixaBank thus becomes the first Spanish bank that offers the possibility of sending money through voice.

How does the new CaixaBank system work?

To send money talking to Siri, we must tell the iPhone voice assistant that we want to send money. Automatically, it will connect with the CaixaBank application and we must indicate the recipient of the money, the amount and the concept. The only time the user should touch the phone will be to enter the security code.

This new means of payment is added to the latest innovation launched by the entity, imaginBoard. It is a virtual keyboard that allows sending money in real time through social networks such as WhatsApp, Facebook or Telegram.

Payment systems by mobile

The new means and possibilities of paying with the mobile phone have spread significantly in the last year. In fact, almost every week we know a new way of doing it, either to make payments between individuals or to pay in shops or online, whether presented by banks, fintech companies or large companies that want to make a dent in this sector.

One of the most important new methods is Bizum, a system promoted by almost all Spanish banks (a total of 27). Through Bizum you can make instant money transfers without needing to know the recipient’s account number, just by entering your phone number.

Are these new payment methods safe?

Given the wide range of possibilities we have to send money, one of the most common concerns of users is the safety of them. While we know the security of the cards (a means of payment that has been in use for years), it is not known enough what is the level that these applications and services offer us.

However, the truth is that the level of security of all of them is the same as that of other means of payment. To perform any transaction we will need, at least, a code to sign the transaction and, in many cases, another to be able to access the application.

And, in case of theft or loss, it will only be necessary to call the bank to deactivate the service and reactivate it when we have a new smartphone.

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5 alternatives to financing Apple to save more than 70 euros on your iPhone 8

5 alternatives to financing Apple to save more than 70 euros on your iPhone 8

The release of a new iPhone model always causes a boom in sales. Apple fanboys , brave followers of the brand, do not usually miss the opportunity to be the first to have the new model of apple products. However, the prices of this new smartphone can be an obstacle for many when it comes to updating your mobile phone. Therefore, here we propose a series of alternatives to financing Apple to get our iPhone 8 paid in installments in a cheaper way than Apple Store.

Apple allows us to finance from the Apple Store

Often, we usually go directly to the official Apple store to finance the iPhone 8. This is due to issues such as the reliability and comfort that the company offers us . In this table we can see the main financing features that we offer to get the iPhone 8:

Financing Phone price Monthly fee TIN and TAE Number of installments Final price
Apple financing € 809 € 73 TIN 14.95%

APR 16.01%

12 € 876

As we can see, financing the iPhone 8 to pay for it in a year entails a monthly fee of 73 euros that will end up assuming 67 euros of financing cost once the twelve installments have been reimbursed. That is to say, we will have paid 67 euros more than the s martphone is worth , but we will be able to face it with monthly installments that will make our payment more comfortable.

These 5 alternatives to financing the iPhone will help us lower the final price

We already know that Apple financing allows us to pay for the iPhone more comfortably than what its cash payment would entail. However, from HelpMyCash.com we have made a study of other possible financing methods (through a bank, two specialized stores and with two different credit cards) that can help us to pay more comfortably the iPhone 8 and even lower the price. final price of the latest apple smartphone .

Financing Phone price Monthly fee TIN and TAE Number of installments Final price
BBVA Shopping € 809 € 67.41 TIN 0%

APR 0%

12 € 809
Fnac € 809 € 80.9

first installment: € 105.17

TIN 0%

APR 6.86%

10 € 833.3

(+15 € if we had not requested the card yet)

Media Markt € 805 € 80.5 TIN 0%

APR 0%

10 € 805
Visa Gold Credit Card from ING € 809 € 72.66 TIN 14,06%

APR 15%

12 € 872
WiZink Gold Card € 809 € 76.50 TIN 24%

APR 27.24%

12 € 918


The table has been made seeking funding as close as possible to ten months . As for credit cards, we decided to use the official price of the Apple Store, although we could resort to buying the cheapest iPhone 8 in Media Markt with the same method.

As we can see, the alternatives to Apple financing open up a range of options, among which the Media Markt financing price and the BBVA online store with its Shopping platform stand out for their final price . With a price of 805 euros through the first and 809 euros in the second, the interest payment will be zero and we will get the iPhone 8 for its original price.

As for the financing of Fnac, it has an initial commission of 3%, which represents an additional cost of 24.7 euros in the first monthly installment. In addition, we must apply for your own card to obtain financing so, if we do not have it yet, we will have to pay the € 15 that the purchase of said card costs.

With regard to fees, only BBVA and the ING credit card give us cheaper options to Apple when facing monthly payments . In this case, BBVA Shopping seems the most convenient way to pay monthly even if it requires us two more months to finance our iPhone 8 than Fnac and Media Markt. Who thought a bank would finance an iPhone for free?

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