New commitment to R & D and technological innovation in The Community of Madrid

Image result for r&d projectThe Community of Madrid, within the V Regional Plan for Scientific Research and Technological Innovation, will invest 52.6 million euros of aid to help researchers and companies in Madrid develop R & D and technological innovation projects.

The budget will be allocated to these new calls approved by the Governing Council:

BUSINESS COMPANIES: 20 million euros will be allocated for consortiums formed by at least one large company, three SMEs of which one must be a start-up and a research organization or a university. These consortiums must collaborate for four years to launch collaborative R & D projects focused on areas of advanced materials, the city, energy, mobility and logistics or health technologies in the south of the Community.

INTERNATIONAL PROJECTION R & D PROJECTS : 12 million euros in aid for researchers from public centers to develop R & D projects of three years in new scientific areas, emerging and with international projection. The beneficiaries of these grants will be the universities, agencies and public research centers and foundations dedicated to research.

START-UP AND INNOVATIVE SMES : 11.6 million euros to stimulate the consolidation and growth of this type of company. The grants include various forms of incentives to cover the full life cycle of young innovative companies based on technology.

SMEs : 9 million euros in aid for SMEs to access and take advantage of the innovation and commercialization services of the technology provided by the numerous entities of the Community of Madrid.

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Fun ways to encourage financial literacy in children

Image result for financial childrenIn Spain there is a clear deficit in financial culture that is based on the limited knowledge of economic concepts in school age. After the financial crisis, in which it became clear the ignorance of a large part of the population in what many financial products consist of and their risk have begun to make greater efforts, but, so far, it seems that they are not enough.

The latest PISA report on the education system states that one in six young Spaniards has problems in the most basic uses: from using a credit card or reading an invoice. The OECD has an impact on the same point and asks that training be increased in tasks such as the need to understand the value of money and the world around it.

Several public entities, such as the National Securities Market Commission (CNMV) and the Bank of Spain have launched a financial education plan called “Finance for all”, has also introduced the subject of initiation to entrepreneurial and business activity in 4th of ESO, which reaches a few students without training in previous years.

Given this, the work of parents and other reference persons in introducing and teaching concepts that will be key when they grow up is fundamental. It’s not easy, but there are fun ways to get it.

One activity per objective: everything starts with Savings

Image result for objectiveThe fundamental principle is to teach it in a natural way. For this we can build on our day to day and involve the little ones in it. To assimilate the concepts it is necessary to ensure that the child gives the greatest possible interest. We leave you funny ways in which to teach the smallest basic financial concepts:

Interactive piggy banks : Savings are a fundamental point in financial education. Giving a piggy bank is nothing new, but often leaving the money in a piggy bank that can not open or know that you have lost all interest.

Giving away an interactive piggy bank that recounts the coins and bills that you save will encourage you to both learn to save and the importance of setting goals.

Responsible consumption through stories: For a child it is complicated to assimilate that they can not get everything. If through the piggy bank you encourage the effort to get the money to fulfill some of your little desires, you need to know that you can not have everything and that it is important to buy responsibly.

Almost all the consumer organizations of the autonomous communities have free stories in which the role of the child is reinforced as part of society, the care of resources, the environment and solidarity.  

Accompany and be an active part of the purchase: A way to posit the responsibility of consumption and rationalize what money means and how complicated it is to accompany us to make the purchase.

You should not give in to their whims, otherwise, force them to choose between different alternatives and at the end of the purchase they know what it costs.

Live what older people do: More and more cities are for children or workshops in which children assume the role of a profession. Besides having fun, they know what the effort is and manage the “salary” they earn to spend as they consider in leisure activities. A way to learn and assimilate how complicated it is for seniors to manage their money and make choices.

Board games: Although the sale of video games continues to grow, table games do not stay on par. In addition to developing many skills, games as simple as Monopoly allow us to introduce them to the importance of not spending everything, have savings, do not buy the first thing you see or know some fundamental concepts in the future such as a mortgage.

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  • In the first quarter of 2015, they have invested more than 156 million euros in 315 R & D & i projects.
  • The initiatives approved generate 680 jobs, mostly highly qualified, 3168 jobs in the first quarter.


Of the initiatives approved this month, 70 are R & D projects, of which 69 are developed individually by companies and 1 project will be carried out in a consortium in which two companies participate. Finally, 21 of the approved projects belong to the Línea Directa de Innovación.

In the development of these 70 projects, 91 companies participate, of which 70.3% are SMEs and, of these, 39% belong to medium and high technology sectors. Of all the companies involved, 42 of them, that is, 46%, receive, for the first time, CDTI financing.
Throughout the quarter, 308 companies participated, 67% were SMEs, and 121 (39%) received CDTI funding for the first time.

Direct jobs that are expected to be generated with the approved projects throughout this first quarter of 2015 have been 1286, and 1882 indirect jobs, 3168 jobs in the first quarter.

In this council the CDTI has approved 57 projects co-financed with FEDER funds, with a public contribution of more than 23 million euros, in addition to the 157 previously approved with a budget of more than 74 million euros.

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