He says she says: So differently do men and women think about growing up

“Grow up!” – a phrase that fuels heated discussions between men and women even more. But is adulthood the same for men and women? Which milestones have to be reached – and which worries are associated with that? Answers to these questions are provided by a forsa study 1 commissioned by CosmosDirekt, the direct insurer of Generali in Germany. Important findings of the pollsters: Men and women think differently about these topics.


What needs to be achieved in life to be considered adult? For 59 percent of male respondents is clear: the car driver’s license. Among women, this is called with 51 percent a little less often. Marriage is also more important for men (38 percent) than a milestone on the way to adulthood than for women (30 percent). On the other hand, female respondents consider it more important to have a completed education or a completed degree (57 percent, compared to 49 percent for men). As for “Hotel Mama”, there are also differences: While more than every second woman (53 percent) sees the excerpt from the home as an important milestone, only 40 percent of the men surveyed do so.


For 41 percent of Germans, contracting with their partner is also an important milestone in growing up. That it crashes in the relationship now and then, is probably one of them. What is at stake is perceived differently by men and women: two out of five female interviewees with partners (40 percent) say that they do not always agree with him on the division of responsibilities in the household. However, only 28 percent of men agree with this statement. In contrast, male respondents reported more often than women to be at odds with their female partners in home furnishings (34 versus 24 percent) or planned vacation destinations (27 versus 19 percent).


The study shows that adulthood is also associated with fears about the future, especially for women: 68 percent of female respondents are very worried that their relatives will get sick. These concerns are only 57 percent of men. Two out of five women (41 percent) fear that they do not have enough money when they get older, but only one in three men (34 percent). The situation is different only with the “pot-lid” question: Because single men are much more worried about not finding a suitable partner than single women (39 versus 19 percent).

Results of the forsa survey in detail (excerpt)

 The most important milestones in a person’s life, which express that they are now adults, are:

total Men women

start the first profession




get the car driver’s license




finish the training / study




rent the first own apartment




move out of the home




contract with the partner




participate in political elections




get the first child




reach the age of majority








graduate from school




Buy home ownership




Percentage greater than 100, as multiple answers possible

Results of the forsa survey in detail (excerpt)

It does not always agree with the partner in the area 1 :

total Men women





Division of responsibilities in the household




home furnishings




Financial matters








place of residence

8th %



Insurance cover, old-age provision




Parenting 2




none of it




  • 1 basis: interviewee with partner

  • 2 Basis: Respondents with partners and children

  • Percentage greater than 100, as multiple answers possible

Results of the forsa survey in detail (excerpt)

There are (very) big worries that:

total Men women

their relatives become ill




the social and political situation deteriorates




they get sick




her pension is not secure




they do not have enough money in old age




they become unemployed 1




professionally they do not achieve what they have imagined




they do not find a suitable partner 2




  • 1 basis: employed persons

  • 2 Basis: Respondents with partners

25 or 50? How women of different ages make good sense

On 8 March is World Women’s Day – reason enough to take a closer look at the private pension of women in Germany. CosmosDirekt demonstrates how both young and mature women can best save.

The pension entitlements of Germans are sinking, the poverty of old people is rising. Especially women are affected today because they pay less because of part-time jobs or upbringing in the pension fund. In addition, with the increasing flexibility of everyday life, long-term planning is becoming increasingly difficult. Especially among young people, the financial situation can change more often, for example due to job changes or relocations. Accordingly, according to forsa’s flexibility study commissioned by CosmosDirekt, one in five 18- to 34-year-olds (20 percent) plans their finances only for a short time and a further 66 percent plans to do so in the medium term until the next major issue. 1 Silke Barth, prevention expert for CosmosDirekt, explains: “The younger generation often does not yet see the urgency to start long-term retirement provision. However, more mature women often realize late that their statutory pension for life in old age is not enough. “

Tips for younger women
When it comes to retirement: If you start early, it’s easier. “Even if the start of retirement still seems far away, especially young women should face the topic. For even small amounts can secure an attractive supplementary pension for old age in the long term, “says Silke Barth.

Use state subsidy: The Riester insurance is a good start for old-age provision for young women. The contributions are flexibly adaptable, the state subsidy is up to 154 euros per year. Up to the completion of the 25th year of life, there are also once upon conclusion of the contract 200 euros. Mothers are allowed to enjoy over 300 euros per child per year. 2

Engage employers: working women should take advantage of the possibility of a company pension scheme. Since 2002, every employee has a legal claim. The state promotes occupational pensions through tax benefits and often the employer also participates with a grant.

Choose investment mix: Especially young women should get their financial leeway. In addition to long-term pension policies, flexible retirement plans are therefore available in which the credit balance is available when needed. Also reserves for unexpected expenses may not be missing, for example on a money market account.

Providing care during maternity leave : Young mothers are recommended by Silke Barth to keep the provision contracts running during parental leave – even though the funds are often lower. Because a longer break makes itself clearly noticeable later.

Tips for mature women
Anyone who is a bit older and has not made much provision privately yet does not have to put his head in the sand. “Even in the second half of working life, something can be done for old-age provision,” says the expert. “The selection of suitable products is particularly important here – not all offers on the market are meaningful for mature women.”

Make a financial check: Especially for women with life and work experience is first a financial check makes sense: What benefits can be expected from the statutory pension and private contracts? What is the corresponding pension gap? For example, online pension advisors provide assistance here.

Find individual solutions: depending on the living situation and financial resources, state-subsidized products such as the Riester pension, the basic pension or the company pension scheme may be worthwhile with their tax advantages, even for older women. Private pension insurance is also an option. For example, to whom money from an inheritance is available can think about a single-premium pension insurance.

Note terms: Important for private pension insurance is that the term is at least 12 years. According to the so-called “12/62” rule, pension insurance policies that are held for at least 12 years and paid out at the earliest from the age of 62 are tax-deductible for disbursement.

Use salary increases: Salary increases offer a good reason for retirement. If you do not need the extra money for your daily life, you simply invest it in precaution. If you have not gotten used to the extra money, it is easier to do without.

Recent survey: Women have their finances under control

Anyone who believes that women can handle money worse than men is wrong. At least experts who need to know that say: According to a recent forsa survey commissioned by CosmosDirekt, most men believe that their wife is competent in terms of finances & Co.

Women can not resist a shoe pair and often spend more than planned. Clichés that their husbands can not confirm: 93 percent give their better half a good record in terms of finances. This is shown by a representative forsa survey of 1,000 adults living in a partnership. And also as far as the consumerism of women is concerned, prejudices have become obsolete: If they have money left, most people do not necessarily have a fancy pair of pumps in the first place on their wish list: If they want to treat themselves to something, they are most likely to spend money on smaller ones Traveling out (60 percent). In second place are cultural events such as theater visits or concerts (46 percent). Shoes are much lower on the wish list (23 percent).

Every fifth couple argues about money
When it comes to managing finances, equality and individual responsibility are required: half (49 percent) of all couples share this task with their partner. Most of all, 28 percent of all women have their wallet and their own account. In every fifth respondent (20 percent), the man cares mainly about the finances. But not only women, men also give the scepter out of hand: 15 percent leave it to their own statement of the partner to regulate financial matters. But no matter who manages the household, dispute is not enough: every fifth couple (18 percent) often argues about the finances.

Deficits in old-age provision
However, women are not in all financial areas with their husband at eye level. When it comes to retirement, the men see deficits with their partner: More than one in four (27 percent) believes that he does more for his pension than his wife. An assessment that is shared by women: 56 percent of women are worried that they have not paid enough for old age. Silke Barth from CosmosDirekt advises: “The partner is not a retirement plan that you should rely on.” “Ideal for women are precautionary models that can be adapted to individual needs and with which they remain flexible.” For example, with CosmosDirekt’s flexible provision, women benefit from long-term guaranteed interest rates. But you do not have to commit yourself permanently, but you can have your money available on a monthly basis, at no extra cost. The offer also guarantees maximum security. In addition, the expert recommends: “Women who want to secure state support, are well advised with a Riester pension.” It gives an annual allowance of up to 154 euros, mothers receive for each child 185 euros extra, the offspring was born in 2008 or later, it is even 300 euros.

When money is left in the household, women are the most likely to spend money on:

  • smaller trips (60 percent)
  • cultural activities (46 percent)
  • Clothing (43 percent)
  • Restaurant visits (38 percent)
  • Furnishings (33 percent)
  • the car (23 percent)
  • Shoes (23 percent)
  • Sporting activities (22 percent)
  • Consumer electronics (19 percent)

If money is left in the household, men are most likely to spend money on:

  • smaller trips (68 percent)
  • cultural activities (49 percent)
  • Restaurant visits (49 percent)
  • Clothing (36 percent)
  • Furnishings (34 percent)
  • sports activities (29 percent)
  • Consumer electronics (29 percent)
  • the car (27 percent)
  • Shoes (17 percent)

The most common occasions for dispute in partnerships at a glance:

  • too little time together (28 percent)
  • the distribution of tasks in the household (27 percent)
  • parenting (22 percent)
  • leisure activities (22 percent)
  • too little attention of the partner (21 percent)
  • Finance (18 percent)
  • the relationship and the love life (10 percent)

Financial tips for World Women’s Day: so you remain independent even in old age

Much of what makes the world better is due to women. On March 8, International Women’s Day, people in many languages ​​say thank you. CosmosDirekt recommends women on this occasion, even to think of themselves! For example, in retirement.

Multitasking, it is often heard, is more of a female talent. And in fact: A woman who is in the midst of life often finds herself in the balancing act between work, family and her own goals. “Especially young women displace the topic of long-term retirement provision,” says Silke Barth, prevention expert from CosmosDirekt. “Only later do many realize that the statutory pension will not be sufficient in old age.” Women often have lower pension entitlements than men because they have paid less contributions throughout their working lives. The reasons are that they are more likely to take parental leave, choose part-time work, or – in many jobs still common – earn less than men.

How women can save today for their pension
With the increase in the mother’s pension, the state will make a contribution to supplementing the pensions of women from this year. So far, one mother has received only one salary point for each child born before 1992. From July, two years of education, each with one salary point, will be credited per child. With the Riester pension and the basic pension, the state also promotes private pensions. A Riester contract can be concluded by all those who are compulsorily insured in the statutory pension insurance. The state also grants savers and tax benefits during parental leave and part-time jobs. Even those who have to make short calculations in times of low incomes can take precautions for their retirement: With flexible retirement products, contributions can be adjusted at any time, if more or less money is available.

A gang that exploits sexually and professionally women from Nicaragua falls

The National Police has arrested eight members of a network that captured Nicaraguan women with financial need to work as domestic workers in Spain, where, having contracted a debt with the organization, they were exploited by the labor force and even forced to have relations with the ringleader. to lower it.

For the trip, the organization provided them with the documentation and necessary tickets, so that they contracted a debt of about 4,500 euros and that they guaranteed with the house they occupied with their family in Nicaragua. Debt that increased progressively (to an interest that from the eighth month reached 10% per month) making itself, sometimes, impossible to pay.

To deal with it, the victims had to pay around 600 euros a month in cash, an amount that they normally could not get together with their work in domestic service, so some of them were forced to have sex with the head of the household. the organization in exchange for lowering said debt.

The meetings were also allegedly recorded with hidden cameras and without the consent of the victims, who were then threatened with publication if they did not pay what they owed.

A call gave the clue

The investigation began with a phone call against trafficking in human beings in which the existence of a person who was dedicating himself to bringing girls from Nicaragua to work in domestic service in exchange for money was denounced.

Agents specializing in the fight against trafficking in human beings took charge of the investigations and discovered the existence of an organization that operated at least since 2009 , led by the family of the main leader.

The organization operated at least since 2009 They also found out that, once in Spain, the victims were picked up by members of the network who transported them to Murcia , where they were received by the leader who was responsible for housing them in flats they had rented.

For the accommodation had to pay about 70 euros per week , although there were several people with whom they had to share a room, living, therefore, in deplorable hygienic conditions and overcrowding. In this way also, the initial debt was increasing continuously.

The chief responsible controlled the victims obsessively , advising them not to trust anyone but him, obtaining copies of all their documents from the victims and even their original passports or opening their mail, all to make sure that they would pay their debt .

The leader of the network threatened to take away their property if they denounced him, what the victims did not do for fear of their threats or to be expelled from Spain, since many were in an irregular situation.

After collecting the evidence, the agents detained the head of the organization , who was placed in provisional detention by court order.

The investigations also allowed to find out that the organization was also dedicated to lend money to other compatriots, taking advantage of the situation of need in which they lived, demanding high interest and having to endorse the loans with their few properties.

During the search in the home of the principal investigator in Murcia, the agents intervened in pornographic material consisting of images of sexual relations that the detainee had with the girls – among them, at least 19 victims of trafficking, those brought by the organization – and that had been obtained without their consent.

They also found images in which the person in charge of the organization appears to be sexually abusing some of his victims.

The final balance of the operation, which has been developed in three phases, has resulted in 6 detainees in Murcia and 2 in Madrid and a total of 185 people who are or have been victims of the localized organization, of which 44 would have been victims of trafficking in human beings for the purpose of labor exploitation.

In addition, of the abundant documentation intervened in the domiciliary records practiced, it appears that more than 75 people had contracted debts with the organization through usurious loans and at least 45 different people appear in the sexually intervened videos. The investigation continues open and it is not ruled out to locate new victims of this organization.

Berlusconi economically kept women from their parties for three years

Former Italian Prime Minister Silvio Berlusconi, in an archive image. 

Former Italian Prime Minister Silvio Berlusconi allegedly paid a score of women frequent at his parties about two and a half million euros for more than three years, Italian media reported.

The newspaper La Repubblica published on Saturday a report in which it reported this fact according to the investigations of the Milan Prosecutor’s Office in the process ‘Ruby Ter’, which investigates the tycoon, among others, for corruption in judicial proceedings.

The newspaper explains that, according to the prosecution, the young women’s income came ” directly or indirectly ” from Berlusconi alone.

Altogether, according to their calculations, a score of young people received from 2010 and during the three successive years income for about 1,700,000 euros and in the first months of 2014 almost 400,000 euros, in addition to villas and an apartment .

A money that, according to the media, would be used to buy the silence of the young girls – known in Italy as “olgettine” – during the various processes that investigate the controversial parties celebrated by the excavaliere.

Among the documents that prosecutors allegedly have is a letter sent in December 2013 in which the tycoon writes to young women explaining that he has helped them as a gesture of affection but that he would no longer do so because it could be interpreted negatively .

‘Ruby case’

Three months before, he had been sentenced in the first instance to seven years in prison and to perpetual disqualification from public office for the Ruby case , in which he was tried for abuse of power and incitement to the prostitution of minors.

The Supreme Court has confirmed Berlusconi’s acquittal for the Ruby case A process that ended last Wednesday, when the Supreme Court confirmed his acquittal previously issued in the second degree. Two aspects have emerged from this trial.

On the one hand, the ‘Ruby bis’ , in which were imputed the journalist Emilio Fede, the representative of artists Lele Mora and the politician and actress Nicole Minetti for induction into prostitution and procuring.

On the other hand, the ‘Ruby 3’ , in which this news is framed, and which investigates an alleged crime of corruption in judicial proceedings, having been able to induce their witnesses to give false testimony in the Ruby process.

The Ruby case alludes to the sexual relations that Berlusconi maintained with the young Moroccan Karima El Marough , nicknamed Ruby, when she was not yet 18 years old .

In addition, Berlusconi was charged with the crime of abuse of power for the call he made to a Milan police station to demand the release of the girl, arrested for a robbery, alleging that she was the niece of former Egyptian President Hosni Mubarak.

Italian media have published information about the luxurious life train that Ruby currently carries, which they place between Mexico and Dubai . According to information from Il Corriere della Sera , in the Central American country he would have bought a restaurant for the price of one million euros while in Dubai he would be trying to invest two million euros in luxury apartments .

The National Police numbers 37,000 women forced into prostitution throughout Spain

The National Police numbers 37,000 women forced into prostitution throughout Spain

Yoana, a 24-year-old Romanian girl , had been forced into prostitution for almost a year in Spain. I did it on roads in the provinces of Tarragona and Barcelona. Always controlled by a pimp , also Romanian, cousin of the boy who cheated on her in his country with a false job offer: in a car wash. In Spain, the promised employment never arrived. And to settle the debt of the trip and the necessary documentation to do it, the Romanian friend told him that while he was getting the job, he had to sell his body.

She obviously refused. But the threats came. She spent two weeks locked in a flat in Badalona without leaving, so that she could think better of it. Enough time to remind him that in Romania he had left his parents, and that they knew where they lived. No need to say more. Their ‘labor’ days were 12 hours, until the pimp tired of watching her. Each service, between 20 and 25 euros. And there were days that he made up to 15 services . One day, desperate, she saw in an advertisement the telephone number that the National Police has enabled in the special plan against trafficking in persons for the purpose of sexual exploitation , 900.10.50.90.

Her call took effect, and while she continued to prostitute herself so as not to arouse suspicion , the police closed the ring and stopped the pimp and her two cronies in mid-June, a small family clan that had several prostituted girls without knowing each other. A small ‘business’ that allowed them to live well. Yoana has been brave. But his is an exceptional case. Because not all of them denounce or collaborate with Justice . Fear, police experts say, is the main barrier victims still have to overcome.

Socially, they are not considered victims. And this is not leisure, it is a crime, says a police expert. The first step was taken in April with the implementation of this police plan. “The objective is prevention, to inform clients about prostitution that can often be victims of sexual exploitation, because socially they are not considered victims, even many times they do not consider themselves victims, this is not leisure, it is a crime and it is important that citizens will raise awareness and report to the police any signs you see , “he told 20Minutos a head of the Center of Intelligence and Risk Analysis Unit Illegal Immigration Networks and Falsified Documents (UCRIF) inspector.

Anonymity, a plus

Since April, 214 telephone calls (900.10.50.90 ) and 77 emails ( trata@policia.es ) have been sent to the National Police, which have allowed the beginning of 20 investigations and the resolution of three cases . The majority, anonymous denunciations of citizens. And is that this anonymity is a plus for people to encourage to denounce. “The plan, with a strong campaign in means of transport, is serving so that the clients of the prostitution assume that they are in many occasions witnesses of a criminal activity “, they emphasize in the UCRIF.

The police usually visit places where there can potentially be victims: local hostesses, industrial estates and roads (easier to detect and control) and appointment houses (much more opaque). According to Eurostat, Spain is the second country in Europe, behind Italy, with more victims. In 2009, the Police detected 6,157 people as possible victims, although in the end it only identified 1,301 (21%). In 2010 the ratio was 15,075 people detected, 1,641 identified (10.8%), and 2011 was closed with 14,370 victims detected and only 1,082 identified (7.5%).

In 2012, some 12,300 forced prostitution women have been located, although the police estimate that “it is one third of what is really in Spain”, about 37,000 . What is clear is that much remains to be done. In the twelve months of 2012 and the first three months of 2013, the Police and Civil Guard have carried out 368 operations against sexual exploitation , arresting 1,108 people responsible for these crimes. And in the first two months of the plan (from April 17 to June 17), another 47 operations opened before the plan were completed, with 236 detainees. As for the organized groups dedicated to prostitution, in 2010 17 were dismantled and in 2011, 35 . A crime that always coexists with other criminal offenses such as extortion, kidnapping, sexual assault, coercion, threats, money laundering and forgery.

Romanian, Paraguayan, Nigerian or Chinese

Now comes the profile of the small pimp, usually Romanian, who exploits a few girls. What is clear is that the profile of the victim is that of a young and foreign woman. Especially from Romania, Paraguay, Brazil, Nigeria, China and Russia. 80% come from Eastern Europe and South America. Romanians, for example, are between 18 and 32 years old. Brazilians are older, between 33 and 42 years old. “Now the Chinese prostitution mafias, very closed, that regulate houses of appointments with a Chinese client, have opened to a more international client,” say UCRIF sources. The great networks, which continue to exist, have also given way to the profile of a small pimp , Romanian, who associates with relatives, to prostitute few girls and to have them always controlled. The Association for the Prevention, Reintegration and Attention to Prostituted Women (APRAMP) already warned that “the demand” requests each time younger prostitutes.

The big networks do not hesitate to use violence, intimidation, threat . The last major operations this year show this. At the end of April, eleven people were arrested in Spain to run appointment houses in four northern cities: Santander, Pamplona, ​​Bilbao and Vitoria. A hundred Paraguayan women had passed through them. The pimps had confiscated in Paraguay the documents of ownership of the few properties that they left in their country, as bail while they returned the prostituted debt contracted. “In the South American networks it is normal to even endorse the trip to Spain with the parents’ apartments” , they explain in the UCRIF.

This June, a Nigerian organization that brought women in boats across the Straits and prostituted them in Barcelona and Malaga fell. To prevent them from fleeing, they were threatened with voodoo , “typical of these networks.” They also resorted to biting and burning them with an iron . “Nigerians can be twelve to thirteen years selling their bodies until they repay the debt.” In the UCRIF also remember the Romanian network disarticulated in March 2012 that had the girls tied to radiators and that they tattooed a bar code with their debt in the arm . Those who misbehaved, shaved their hair and eyebrows.

On Monday, July 1, the police announced that they had dismantled two important Chinese networks that rivaled the control of prostitution in the south of Madrid. There are 26 detainees and 25 girls released, some of them minors. They came to Spain deceived by the false promise of a job in which they would earn 4,000 euros a month. Once in our country, they withdrew their passport and forced them to prostitute themselves for a year to repay the debt of the trip. They lived crowded in very small rooms, without windows or locks , always controlled by the members of the networks.

Convincing them that there is exit

Everyone admits that although the client can be made aware, the difficult part is to help the victims. “We have to convince them that there is an exit, either an assisted return to their country or stay in Spain with a residence and work permit,” says the UCRIF chief inspector. The fear of what happens to them or their families is behind the fact that very few accept the benefits granted by the law if they denounce their pimps (the residency permit and the character of a protected witness). In fact, in 2011 (latest data), of the 770 women who thought to take that step (they have 30 days of reflection period, extendable to 60), only 98 did it finally. Despite the low number, it was better than in 2010, when only 21 of the 219 women did. Now, with the plan, 291 women have already been helped .

The Minsiterio del Interior can not offer them a job. There are many non-profit organizations for this purpose: psychological, economic and health care : Apramp, Cruz Blanca, Médicos del Mundo … are just some of them. Marta González, coordinator of Proyecto Esperanza, recounts the obstacles that many of these victims have when asking for help. “We must bear in mind that they have been exploited, threatened, assaulted, assaulted … They have lived isolated, they have another language, they do not know that there is help, a future, another perspective, they see the Police with a wrong vision due to the type Police they have known in their countries, they have no documentation, they have instilled fear. “

The NGOs denounce that the period of reflection for the victims to denounce is short. The key, according to González, is to offer them protection and confidence, to cover their needs and to be patient , “to make them understand that they can have help”. For this NGO 90 women pass each year, 99% foreign. The main problem is that the period of reflection that the victims have is very short . “It does not work for their social and labor insertion, only to decide with advice and protection if they want to denounce and be able to continue in Spain,” says González.

The immigration law allows victims to obtain a residence permit without having to collaborate with the courts, based on their personal situation . “In some cases it is so evident that they are unprotected victims who would not need to give information to the police to stay in Spain, but little is encouraged this way.” Of the two cases so we have proposed, both have been denied “, Marta González sentence. The UCRIF explains that it tries, when it presents its evidence before the judge, that the declaration of the victims is not necessary to blame the pimps. “It is true that they live isolated and frightened and do not therefore have a broad vision of the network that exploits them.”

Without accommodation places

Another problem is the scarcity of accommodation places throughout the country to care for victims of trafficking. Only 397 places, according to the latest report of the Ombudsman. This body criticizes that there are provinces where there is not. Half of these places are in Madrid and Andalusia. And of the 41 centers that exist, only seven are specialized in victims of sexual exploitation .

The steps are given, albeit slowly. For the first time in its history, the National Court (which is dedicated to large cases of organized crime) will prosecute the owners of hostess clubs where they were forced to prostitute themselves, without condoms, to Russian women. The judge has charged 20 people accused of crimes against the rights of women workers, trafficking in human beings, money laundering, illegal immigration and documentary falsification. “There are other three or four causes that can soon see the light also in the Hearing,” say legal sources.

Self-financing is also a women’s thing

Self-financing is also a women’s thing

The number of self-employed workers increased by 0’7% during the month of June , as reflected in the Special Regime for Self-Employed Workers (RETA). The data show a greater growth of the sector within the feminine gender than in the masculine one. In general, being autonomous is in itself more complicated than occupying a salaried position, among many other things when it comes to obtaining financing for self-employed workers . However, it is now possible to find loans for self-employed workers that can help these professionals get the capital they need.

Loans for freelancers who do not discriminate

One in three self-employed workers at the end of 2016 were women , according to the National Federation of Autonomous Workers (ATA). This supposes an increase of this sort in the entrepreneurial professional activities, since the females have surpassed the levels previous to the crisis. Setting up our own business is not easy and if we add to this the role of women in society, it can be considered that it has even more merit. One of the main obstacles encountered by self-employed people is finding financing for self-employed workers, since the income of these professionals is not always as regular as that of salaried persons.

However, if we have a business that needs an economic injection to reform it, to expand it or to buy necessary material, we can resort to autonomous loans that allow us to raise capital of up to 50,000 euros as we will see below:

Loan Max. Cost Term I’m interested
Cetelem Personal Loan € 50,000 From 6.95% TIN (7.18% APR) From 3 months to 8 years Apply for
Cofidis Project Credit € 15,000 From 4.95% TIN (5.06% APR) From 12 months to 6 years Apply for

Before resorting to these loans for freelancers we have to have something clear, they are personal loans, which means that we will ask for the money as individuals and not as a company. With the capital that we request, as long as we justify and demonstrate what we want it for and that we are capable of returning it, we can use it for the purpose we want . In fact, financing for professionals on their own can be for personal purposes , it simply means that they are granted to people without a payroll to use if they have sufficient, stable and justifiable income.

Normally, this type of workers prefer to go to the bank as a first option when they need liquidity, probably due to habit and because there is usually more room for negotiation, but these entities that we have just seen do not have to put obstacles to get credits for self-employed if We show that we have the solvency to repay the loan. In addition, one of the advantages of this financing is that they will not charge opening or study fees , nor will we have to change banks.

Credits for self-employed who want to undertake

Since the economic crisis erupted in Spain in 2008, the number of women who are registered as self-employed workers has risen by almost two percentage points , according to the ATA report mentioned above. These data show that this genre has recovered and improved its role in the entrepreneurial sector, unlike the masculine one, which is still below its pre-recession figures.

As we have already mentioned, getting financing for self-employed does not mean that we are going to allocate it to start or push a project, but if we need capital for a specific purpose like this, we also have other options such as public aid. In addition, in the case that we are female entrepreneurs, we have the possibility of accessing the Women’s Business Support Program (PAEM) organized by the Chamber of Commerce of Spain, which focuses on providing support and information and advising on the search for financing for our business.

This type of grants and programs encourage the insertion of women into the labor world and especially so that this sector of the population can be in charge of new companies. This is important because it reflects that in our country we continue advancing in gender equality, which we can also verify with statistics that show that in Spain the number of autonomous women exceeds the European average . In order to continue paving the way for professionals on their own, we must continue to offer facilities for access to self-financing. In this way, we will be balancing the possibilities of all kinds of genres and all kinds of profiles of workers.

Career planning for women: “More courage, less restraint”

Career planning is not easy. Many people do not even know which jobs are available in the workplace and which doors they have access to through their education and training. Especially for women, career and career planning can be difficult. Because apart from their career, they often have a second construction site in their heads: family and children . Career adviser Ragnhild Struss therefore wants to encourage women to approach their careers confidently and purposefully and not be held back by potential problems in reconciling work and family life . For one thing, women are not solely responsible for family planning . On the other hand, for every reality of life, there is a solution that makes you happy, says the expert.

With which problems, wishes and fears do women generally come to your career counseling?

Ragnhild Struss: Especially women tend to underestimate themselves. Often, they are too timid to apply for the jobs they qualify for. Their thinking is often marked by an anticipated “but” . I have the training, but can I really? That’s exactly my job, but can I do it? I would like to, but is that possible?

Timing aspects also play a role here. Many mothers want to take responsibility in the job and earn accordingly . In order to fulfill their family role at the same time, they want part-time models that give them flexibility . Demanding self-confidently is often difficult. Especially when women have taken a long break from education and are afraid of not being able to keep up.

Can you briefly outline the steps of a career counseling? How does a session go?

Ragnhild Struss: The consultation includes a day spent in one-to-one conversations with the client. In order to be unbiased in the consultation , we do not want to know in advance about the career goals of the clients. We approach our interests, goals and desires by applying a number of recognized personal psychological and aptitude diagnostics procedures and dealing in detail with our counterpart in a structured discussion. The personal impression is particularly important in order to be able to classify the results and to grasp the human being. For professional and personal development , we always include values ​​and beliefs. In addition, we perform cognitive tests that show tendencies.

Our goal is:

  • Strengthen and expand strengths
  • To discover potential and unfold in harmony with the personality
  • To develop a completely fulfilling life and career planning

For this we give very specific recommendations, from additional training to vacancies and sports and literature tips.

Do you have the impression that many women lack the overview of their career opportunities?

Ragnhild Struss: What women sometimes lack, as well as men, is the ability to think in ways . Your gaze is not directed inward, not on your own potential, but on the outside of sectors and positions . This approach narrows the field of vision and limits its possibilities. This also applies to the orientation towards people from the private or professional environment who follow similar paths. It’s not about pursuing someone else’s path, but finding one’s own.

Many job seekers tend to use previous experience to build on it . Behind this is a traditional linear or vertical career understanding. A sequence of successive career steps: first trainee, then junior, manager, senior and partner . Job seekers should break away from this and instead think in portfolio careers. This means employment biographies that are not linear, but pursue different strands .

What advice do you give working women to pursue their careers?

Ragnhild Struss: I advise you to become visible. A profile in popular professional networks such as XING and LinkedIn is indispensable in times of digital recruitment. Networking is more important than ever . After all, most jobs today are awarded through contacts. Connecting to headhunters may also be advisable depending on your position. In addition , job seekers should inform all people in their environment about their desire to change and use the contacts that result from it.

In particular, I encourage women to show more courage . They should dare to develop a long-term vision of themselves and to pursue their concrete goals along the way. I find time and again that women do not dare to take certain positions because, for example, they might want to start a family in the next few years. The family wish is absolutely legitimate and understandable. But as long as it is not so far, no hasty conclusions should be drawn . Instead, women should focus on themselves, their motives and opportunities. Self-marketing instead of modesty! Hence my appeal: more courage, less restraint.

What is the role of work-life balance in career planning for women?

Ragnhild Struss: Compatibility plays a very important role – in women significantly more than in men . The number of male executives taking parental leave is still manageable. The focus is on women, whose expectations are often very high. T he resources must be shared after the birth of a child. But what priority do the individual areas get? Family, Career, Self-Development, Partnership – Mothers should free themselves from the pressure to push everything at the same time and to the same extent . To recognize a natural wave motion, relieved.

In your experience, how difficult is it for women to return to work after parental leave?

Ragnhild Struss: How the return to the job takes place depends on various factors , which women perceive individually to different degrees. First, there may be structural difficulties in re-entering. For example, anyone who worked in a management consultancy would not be able to return to their old position after parental leave. The basic conditions of the profession – long working hours, high willingness to travel – make this simply impossible. On the other hand, financial factors have an effect on re-entry . If the woman’s salary just outweighs babysitting costs, many mothers find it difficult to decide to return to a job. In addition, internal factors play a role. In many women, pregnancy and motherhood are associated with a shift in values, which changes the look on the job.

Thank you for the interview, Ms. Struss.

More and more women prostitute themselves to have income, especially university

More and more women prostitute themselves to have income, especially university

It is an open secret among paid sex professionals and the NGOs that assist them in the street. More and more women are forced to make a living by prostituting themselves . A resource by which they choose from housewives to all kinds of professionals as waitresses, administrative or licensed . Doctors of the World explains that the crisis has increased the number of prostitutes by 15% in Madrid alone.

Prostitution has also become the escape route for many university students who do not have the money to pay for their studies. “Some time ago I receive many inquiries from girls who want to enter this world because their parents can no longer help them . Others, even they do to support their families , ” says 20 minutes Concha Borrel, President of the Association of Sex Professionals . “We have between 20 and 30 university graduates, a few years ago there were only two or three,” said a popular online prostitute agency.

Sofia, Ana and Laia

He had been in college for six months when he learned that his father had been fired. “I had been without work for almost two years, they told me because they could not pay me rent for the apartment, ” explains Sofía, a 25-year-old from Madrid . The news forced her to find a solution: “I worked as a waitress, a distributor, teaching … I needed more money, I had to pay tuition, flat, books, food, help my parents and the landlady did not trust me for another month. “

It allows me to study and pay the mortgage on my family’s house Without consulting anyone, one night he decided to take the step. ” I went to an agency and they took some pictures, and two days later they called me to tell me if I wanted to do a service and I said yes,” recalls the 25-year-old. Since then, and that’s almost a year ago, between four and five services a week. About 3,000 euros per month . “It allows me to study and pay the mortgage on my family’s house.” Sofia confesses that this is not her name. “My family thinks I work in an expensive club in Madrid, but if they smell something, they prefer not to ask, I prefer it to be that way, when I finish my degree and find a job, I’ll do as if it had not happened.”

“They call me shattered”

A reality very similar to that of Ana, a young Sevillian . She also practices prostitution behind her family’s back . Her parents cut her monthly allowance because things were not going well for her and she chose to prostitute herself. Before it was in several jobs, but ended up leaving. “I was tired of paying tuition, flat … and suspend because I did not have time to study.”

Ana has been prostituting herself for almost two years now and believes that when she finishes her career it will be hard for her to leave . She says that with the crisis there are jobs that are very poorly paid and that she earns 2,000 euros without much effort . What he is most afraid of is that his parents find out. “I do not think they’ll forgive me, they call me from time to time to ask if I need anything and I lie to them.” I tell them I’m pulling, that my salary has gone up a little or that I have given extra private lessons.

I combined the work in the super and the scort Laia, a young woman from Barcelona, ​​has been working for more than a year as a scort (paid companion). Tired of living drowned with the salary she earned as a cashier she decided to prostitute herself. “At first I combined the work in the super and the scort , but soon I realized that it did not compensate”. Laia wants to finish her studies, although she admits that she does not believe that she leaves prostitution .

Not only women have been forced to resort to prostitution because of the crisis. Also some men. “It’s a shame, most of them do not like men and they do it because they have to help their family, they call me shattered, they vent on me because they do not tell anyone,” Concha Borrel confesses.

How many prostitutes are there?

The answer is complicated. Several studies speak of a fork that ranges between 300,000 and 400,000 prostitutes . The first information with these figures dates back to 1997. Now it is difficult to know the real number and differentiate between women who exercise forced prostitution and those who do it compulsorily. The Civil Guard conducts studies of women working in road clubs, between 15,000 and 20,000; and the last report of the Ombudsman (presented a few weeks ago) number in 14,000 forced women . As for the organized groups dedicated to prostitution, in 2010 17 were dismantled and in 2011.