Image result for sme instrument

December 17 was the last deadline in 2014 to present proposals for the SME Instrument. 2992 new proposals were received from 35 countries, 2363 in phase 1 and 629 in phase 2.

In comparison with the previous call (you can see the data here) the number of calls in phase 1 has increased by 17.7% and 8.4% in the second phase.

For phase 1 and 2, these are the number of proposals submitted by countries. Italy, Spain and the United Kingdom once again lead the top positions in the number of proposals submitted.

The topic that has generated the most interest among the submitted proposals is once again ICT / Open Disruptive Innovation (30% in phase 1 and 28% in phase 2)

Topic Phase 1 Phase 2
Blue growth (BG-12-2014-1) 29 12
Biotechnology (BIOTEC-5a-2014-1) 82 13
(Urban critical infrastructures DRS-17-2014-1) 63 26
ICT (ICT-37-2014-1) 713 177
Green transport (IT-1-2014-1) 253 62
Nanotechnology (NMP-25-2014-1) 263 70
Diagnostics devices and biomarkers (PHC-12-2014-1) 195 91
Eco-innovation and sustainable raw material supply (SC5-20-2014-1) 244 68
Sustainable food production and processing (SFS-08-2014-1) 158 31
Low carbon energy systems (SIE-01-2014-1) 298 68
Space (Space-SME-2014-1) 65 eleven
TOTAL 2363 629

It is estimated that the results of the proposals will be available in February for phase 1, and April for proposals in phase 2.

September, back to school … have you thought about getting a life insurance?

Image result for back to schoolIn September, families have to change again the summer habits to which they had already become accustomed. With the beginning of the month, preparations begin !

It is at this moment, when you start to buy books, school supplies, clothes, when you see them with the illusion or with the fear of the first day … the time of the year in which this circumstance becomes more palpable and it is also that the moment in the one that gives more fear to the different possibilities that the future can hold.

For several years, life insurance came up to cover that need: to cushion the blows of the various circumstances that may occur.

Families economically supported by one or two members, are at constant risk of an unfortunate incident leaving the above-mentioned support to loved ones, causing not only a drastic reduction in income but the subrogation of debts acquired as mortgages or loans .

Before making the decision to contract or not the life insurance, it is advisable to make a small market study and calculate the cost of said insurance (link to the feeder). Almost with total certainty, this small comparison will help all those undecided to opt for hiring, since the resulting costs need not be expensive and the benefits can be very high. It must be borne in mind that life insurance has several modalities and not all are aimed at alleviating the possible effects of incidents on family members, but they can also be aimed at obtaining benefits without the need for any type of event to occur. of misfortune.

In spite of the well-known and obligatory complexity of the policies, in many of the cases we can not fall into apathy and leave aside the study and assessment of the suitability of contracting this service for the family. Life insurance is a tool practically available to everyone and, due to its importance and its importance, should be added to all those little things that are done every day by those closest to you.

Cryptocurrencies: The Bitcoin and 5 alternatives

It all started with Bitcoin in 2009. The first cryptocurrency was presented and we were promised a revolution in the world of payments. Since then we have witnessed an avalanche of information, rumors and even urban legends about Bitcoin.

For example, in relation to its development. It is assumed that this cryptocurrency was created by Satoshi Nakamoto, but there is a small problem: Satoshi Nakamoto does not exist. It is a nickname for the person or team that was responsible for implementing the technology, and even today no one is clear about their identity. As you can imagine, there are theories of all colors.


What is a cryptocurrency?

<strong>What is a cryptocurrency?</strong>

But let’s start at the beginning: what is a cryptocurrency or cryptocurrency? It is a digital currency, that is, not physical, that works with a technology to transmit information between peers (P2P, Peer to Peer). What does this mean? That there are no intermediaries or regulatory entities (such as, for example, a central bank).

This decentralization would affect not only the creation and regulation of the currency, but also the transactions. Many of these digital currencies are open source, with algorithms accessible to everyone, so one of their supposed advantages is the transparency of all movements.


Alternatives to Bitcoin

<strong>Alternatives to Bitcoin</strong>

In any case, the Bitcoin boom came back with many more cryptocurrency. From Ferratum we tell you about the main ones. We already anticipate that the differences between all are fundamentally technical. That if such an algorithm is different, that if the processing blocks are larger or smaller, etc.




Litecoin appeared two years after Bitcoin, in 2011, and was created by Charles Lee, a former Google employee. One of the characteristics of Litecoin is its speed, so transactions are processed much faster. Today, there are many independent businesses that accept this currency.



Namecoin is also part of the young cryptocurrency. Created in 2011, like Litecoin, it has a very specific purpose: to register web domains with .bit termination without censorship. When you want to register a domain of the most common, such as .com, you must do so through a company, which after all has a certain veto power. This disappears in the .bit domains, which do not depend on ICANN, the body in charge of regulating domains.



Peercoin is the digital eco-friendly currency. According to its creators, its algorithms and operating mechanisms are more efficient and, therefore, the computer must work less to process it, with the consequent energy savings. Hence the green leaf of his logo. To this day, a few businesses and NGOs accept this currency.



The origin of this currency is an internet meme. Yes, as you read. Surely it sounds: a few years ago began to circulate on social networks the photo of a Japanese dog smiling at camera and surrounded by phrases in Comic Sans. It was Doge. And in his honor, as a joke, this cryptocurrency was named, whose main feature is also an improved algorithm and greater speed. And the joke got out of hand, because it is one of the most used on the Internet.



Ripple is one of those digital currencies that was also created with a specific objective: Instead of being used to purchase products or services through the internet, Ripple would serve as a tool to convert one currency into another, without relying on a house of exchange. And it seems to work, because there are banks around the world that are adopting their technology

Do not worry if it has not been clear to you at all, it is normal, since it is not foreign currency to use, but they involve a new way of understanding and using money. The future? It remains to be seen if Bitcoin, the most developed of all, makes a permanent hole in our lives, making it difficult to know what will happen to others. For now, we will be pending.

The Must Have Tools In Your Kitchen

Don’t be hesitant to avail services such as fast payday loan online just because you needed an unpleasant experience when you attempted to borrow from a traditional loan provider earlier on- published here. This is an entirely different type of financial tool where loan companies know that you are already struggling. That is why they do not impose severe conditions on you to be eligible for this type of loan.

Oftentimes, the kitchen is the last place in your house you would want to under-equip. A modest, well equipped and often clean kitchen is essential to all home dwellers. That said, it is not only imperative to acquaint yourself with the must-have tools in the kitchen but also their correct uses. Below is but a list of the most essential tools you need for efficiency in your kitchen.

Food Processor

This is the type of kitchen tool you cannot miss in any of McDonald’s outlets. So, if you’ve been wondering why some restaurants stand out among the rest, now you know. A food processor is the jack of all trades of the kitchen. When it comes to the tasks you can perform with this tool, think beyond grating and chopping that can be done by simple tools. Professional chefs keep it in their kitchens because it helps them in a number of tasks including blending and mixing ingredients. As such, it ensures you don’t need simple tools that eat your kitchen space such as blenders, graters, mixers and their likes. When equipping your kitchen, be sure to place a bet on the good food processor that can easily help you perform your tasks.

Of course, it can be good to pay off payday loans @t 🐿🐿. Commonly, you would want to go through the balances for each lender and how much the eye it carries create some decisions after that. When you carry different varieties of debt, this element will come into enjoying as well. Credit card debt attention will vary from one lender to another. Some of the minimum interest will be present in the long-term loan products like home loans, car loans, and student education loans. As much as one may like to not have the particular payments for each of those, getting rid of credit card plus online payday loan settlement services is essential.

Depending on how much money you will need and how fast you need this, a cash advance may not be the only real access to fast cash. For those who have any type of investment portfolio, it really is good to keep track of how a lot you have and how long it will require to access it. It ‘s hard to prepare for cash emergencies. Assist yourself prepare for any given scenario when you map out your choices ahead of time. You will limit tension and find a solution at a considerably faster pace.

I recently met with the proprietor of a call center that said he couldn’t pay for to keep distributing paycheck’s earlier so he has allowed their employees to have access to a good online payday lender through the convenience of their office tables.

It is not so hard to think these scammers either. Many will tell the sufferer that they are collecting the money in order to pay off payday loans off payday loans that they did must pay back before, or may presently still owe. 99% of times, they will convince you which you borrowed the payday loan simply by stating the same exact details that are typically used to obtain a loan: your social security number, your money number, employer information, and private references.

Before you take out immediate loans from a particular loan provider of your choice, make sure that you have got compared a number of online loan companies. The comparison will cause you to competitive offers so that you can save interest payments. These are pricey loans due to high APRIL.

If you’re a guy, don’t discount the benefits the skin will get a little additional care. And I would suggest attempting a homemade facial. I realize this sounds odd if you are a man but it is the best method to deeply cleanse your skin plus improve its texture plus tone.

You can find tasks a food processor is definitely well suited for that no other appliance can handle as well. These include cutting, shredding and emulsifying. The blender is great for liquefying sauces but can struggle with partly pureed items such as salsa. A mandolin can cut a zucchini with ease yet can’t shred through various pounds of cheddar mozzarella cheese in less than a minute. An endure mixer is the right device to use when mixing upward cookie dough but could be messy and ineffective whenever emulsifying mayo.

Even though it has been required that you write the postdated check towards the lender prior to being approved for the loan, it’s advised that whenever the time to pay back the mortgage comes, you should pay the lending company in cash rather than using a post-dated check. This way you know the money is going from your hand to the bank loan provider. And you won’t have to worry about just how well you’ve kept your own records for your bank account.

Pour the particular resulting mixture into your cartons and cover with cheesecloth. Place one press along with the tofu in every carton. Place a weight along with each press so that the drinking water will be pressed out of the tofu. After half an hour you can take away the tofu from the molds, yet be sure to do so under drinking water. You also need to keep the completed tofu submerged in drinking water until it is used.

Stand Mixer

Coming second to the food processor is a stand mixer. This tool is particularly important for those kitchens that regularly offer baked foods. One can choose to have a number of them so that they can perform various tasks simultaneously. Two models are available; large commercial stand mixers are often used in professional kitchens but smaller models which are convenient for home use are also available. Stand mixers can be used for baking, mixing bread and whipping ingredients. Be sure to invest in the best stand mixer and follow operating procedure for best results.

Barbeque grill

A barbeque grill is one of the must-have tools in the kitchen, thanks to the prevalence of demand for grilled foods. A good kitchen should have either of the two commonly used grills – a gas or charcoal grill. Though gas grills are good compared to their charcoal counterparts, all connoisseurs concur that meat grilled on charcoal has superior taste to one grilled on gas. For that simple yet compelling reason, it is important that you consider having a charcoal BBQ grill for your kitchen. There are many options available in the market, so you might consider going for one that is cheap depending on the quantity of food you wish to grill. Another thing to consider is the frequency you wish to do your grilling. That might guarantee you a real cost saving to let you have some few bucks left.

Pots and Pans

Cooking can never be complete until you have cooking pans and pots. They come in various sizes, so it is only important that you consider the quantity of food you wish to cook. Good cooking pans are used to cook food to tenderness, boil ingredients or even steam vegetables. When shopping for them, be sure to consider buying cooking pots and pans that befit the number of people you wish to prepare food for.

About me

As a chef for more than 10 years, I am very happy to say that you are in the right place when you are trying to find out everything in the kitchen. I would like to provide recipes, tools in the kitchen and methods and tips, which I think is very useful for some of you. Thanks