Tag: level

This is how mortgages are for those who buy a house in Spain but have their tax residence outside
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This is how mortgages are for those who buy a house in Spain but have their tax residence outside

The attractiveness that Spain exerts for foreigners can be seen by observing - among many others - the figures that refer to the purchase of a home on their part. In 2020, a year largely marked by the covid pandemic, 77,492 home sales were closed in which the buyer did not have Spanish nationality, which is equivalent to a 24.2% drop compared to the previous year, according to the figures provided this Wednesday by the Notarial Statistical Information Center. But, in the case of being a foreigner, not having all the money necessary to buy a house and not having tax residence in Spain (or being Spanish, but taxing abroad), what type of mortgage loan will banks grant? In general, these mortgages "tend to have less generous financing conditions and entities ask for a more solid profile tha...
The level of studies determines the degree of acquisition of digital skills
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The level of studies determines the degree of acquisition of digital skills

The numerous restrictions caused by the coronavirus have made remote work or education and hybrid environments a palpable reality in many countries for more than a year. The leading role of new technologies is a fact that will also be accentuated in the future. "As individuals and as a society, we have to be co-evolutionary with the digital tools with which we are living together, and if we do not want to be left out, we have to constantly be acquiring digital skills," says Gema Requena, director of the consulting firm Nethunting. An effort in which factors such as age and, above all, the level of studies, play a fundamental role, since people with high educational levels demonstrate a greater development of digital skills, according to a recent study by the Observatory of digital skil...
Covid-19: what we know about the consequences for top athletes
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Covid-19: what we know about the consequences for top athletes

He had worried the world of sport. In April 2020, the Montpellier Hérault Sport Club Junior Sambia player, positive for Covid-19, was admitted for two days in intensive care. In June, he confided to France Blue Hérault have regained all of their means despite a deficit of "Two-three kilos" on its usual healthy weight.In early May, it was Boston Celtics basketball player Evan Fournier, who admitted to still feeling the effects of the Covid, contracted a month earlier: “It's like I have a concussion. It's getting a little better right now, but initially it was the bright lights that bothered my eyes and my vision was blurry. Everything was going too fast for me. And it still is. "Rather preserved from serious forms of the disease, top athletes do not all get back on th...
The Euribor closes April at negligible levels and cuts the cost of old mortgages
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The Euribor closes April at negligible levels and cuts the cost of old mortgages

As long as the monetary policy of the European Central Bank (ECB) remains unchanged, the index to which mortgage interest rates are linked will remain stable at very low levels. This is the experts' forecast for the Euribor, whose monthly average - in the absence of Friday's data - closes April at -0.483%, just 0.4 basis points above that registered the previous month and very close to -0.505% to which it fell in January, its all-time low. A Euribor on the ground not only directly affects variable interest rates, but also pushes the cost of fixed mortgages down, on which both banks and their clients are betting heavily. What is obvious at first glance is just how cheap variable mortgages have become. The Euribor -in negative territory for more than five years— subtract instead of ad...
Sci&Tech

Warm Water Under The 'Doomsday Glacier' Threatens to Melt It Faster Than We Predicted

A confluence of warm water is threatening to topple the very pillars that keep the 'Doomsday Glacier' afloat. The first measurements ever performed below the icy tongue of Antarctica's Thwaites Glacier have now revealed a previously underestimated flow of warm water from the east.   This inflow of heat is mixing with other waters below the glacier and encroaching on several critical 'pinning points', researchers say, whittling them down from all sides.If the activity continues or, worse, speeds up, the team is worried it could ultimately detach mass amounts of land-borne ice flowing into Pine Island Bay from the seabed below.  The Thwaites Glacier has been nicknamed the Doomsday Glacier because it is so very large – at 192,000 square kilometers (74,000 square miles), it's slightly smaller...