Monthly Archive: May 2018

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Necessary tests during pregnancy

Necessary tests during pregnancy

All the information you should know about the revisions of the pregnant

Congratulations: the test has been positive. You are waiting for a baby! Now, you have to take care of yourself and avoid anything that could harm the baby that is forming inside you.

To control the development of the fetus and the well-being of the pregnant woman , a different medical tests are carried out during the pregnancy . Therefore, you must request an appointment as soon as possible with the doctor, to confirm the pregnancy and send the first tests.

1. A visit to the gynecologist per month

1. A visit to the gynecologist per month

At the first appointment, the gynecologist will send you a complete blood and urine test to confirm the pregnancy, know your health status, rule out infectious diseases such as HIV, Hepatitis B or syphilis, and check if you have rubella and toxoplasmosis (a mild illness for adults, but very serious for the developing fetus) and a cytology to rule out vaginal infections.

In Social Security, usually, you have to go through the family doctor to meet with the gynecologist who will carry the pregnancy. To save time, the doctor usually sends these first blood tests and also the cytology (done by the midwife of the health center).

Whether you go for public health or for private, once the pregnancy is confirmed, the gynecologist will make an exhaustive medical history to know your antecedents and if there is any special condition that must be taken into account (diabetes, heart problems, serious diseases, etc).

Then, he will recommend taking the supplements he considers necessary: folic acid (if you were not already taking it), and iron or iodine if you had deficiencies. After this first visit, you will often go to the gynecologist to follow up on the pregnancy. In all the visits, the specialist will control the tension and the weight of the mother and will solve the doubts that arise on the pregnancy and the necessary cares . In private health, the reviews are monthly.

In the Social Security can be spaced a little more depending on the autonomous community, and even the hospital to which it belongs, but it is usually complemented by the follow-up with the midwife of the health center.

BBVA health insurance In medical matters, get in good hands with the BBVA Health Insurance.

2. At least three ultrasound scans

2. At least three ultrasound scans

Ultrasounds are very useful to control the development of the baby and its well-being inside the uterus. They are non-invasive tests that have no negative effect on the fetus, so you can perform all that the doctor considers necessary.

In the Social Security protocols establish a minimum of three scans, one per trimester , although more are performed if necessary. In private medical insurance, ultrasound control is usually more frequent. Some doctors do ultrasound every month. In addition, an ultrasound is usually done to confirm the pregnancy.

In all ultrasounds, the size of the baby is measured, its movements and beats are evaluated, the amount of amniotic fluid, the position of the placenta and the probable date of delivery is calculated.

Ultrasound of the first trimester: Towards week 12

In this ultrasound, which is usually vaginal, it is checked if there is more than one baby and the nuchal fold of the fetus is measured to assess the risk of chromosomal abnormalities.

Ultrasound of the second trimester: In week 20 of gestation

The internal organs of the fetus are observed to verify that the baby is developing well. Normally you can discover the baby sex, if you are in a posture that lets you see it.

Ultrasound of the third trimester: Around week 34

The growth of the fetus is re-evaluated and its position is watched for the delivery. If it is breech or crossed, another ultrasound is usually done later to see if it has been placed upside down.

3. Special ultrasounds

3. Special ultrasounds

There is another type of ultrasound reserved for special situations:

3D or 4D ultrasound

They are used as a complement to traditional ones. Both allow to see the fetus with volume, and the 4D, in addition, in movement . With them, skin problems or deformities of the cleft lip can be detected, but they do not provide information on other abnormalities detected by normal ultrasound scans. They are very exciting for future parents, because they can see their baby much more accurately.

In Social Security they are used in some hospitals, and whenever it is considered necessary. Some private insurances include 3D scans, but 4D must be paid separately.

Ultrasound with Doppler technology

It is done when it is necessary to observe the circulation in the fetus, the umbilical cord and the uterus, since it allows to detect heart problems or blood circulation.

4. Analytics

4. Analytics

During pregnancy, at least one blood and urine test is performed per trimester.

In addition, there are some special analytics to detect possible problems:

Test of Coombs:

If the mother is Rh negative and the father is Rh positive, the first blood test checks if the fetus has antibodies in the blood against Rh positive. The test is repeated again in case it has created antibodies and, in addition, as a precaution, in week 28 of pregnancy the mother is given an anti D gammaglobulin, which is repeated after delivery if the baby is Rh + protect future pregnancies.

O’Sullivan test:

In the 24th week of pregnancy a special blood test is done to assess the concentration of blood sugar and detect early gestational diabetes that could cause problems in the fetus. If the test is positive, a glycemia curve is made (oral glucose overload) to confirm the diagnosis.

All these tests are included in public health and private health insurance.

In Public Health protocols establish a minimum of three scans, one per quarter. In private medical insurance, ultrasound control is usually more frequent.

5. Prenatal diagnosis

5. Prenatal diagnosis

One of the things that most worries to the future parents is the possibility that their baby undergoes some genetic alteration. Between the 10th and the 14th week, prenatal diagnostic tests are carried out to calculate if there is a risk and if it is convenient to do other invasive tests (such as amniocentesis ).

In the first trimester blood test the amount of certain hormones and proteins related to some chromosomal abnormalities such as Down syndrome is measured.

The results are assessed together with the ultrasonography of the nuchal fold and the personal circumstances of the mother, such as age. If the risk is high, the doctor may advise amniocentesis (between weeks 14 and 18).

Before making that decision, private insurers can perform another non-invasive test, with an additional cost: the non-invasive prenatal test that, through a blood test, detects Down syndrome and other abnormalities such as Patau or Edwards syndrome. This fetal DNA blood test is now offered in some public hospitals.

6. Tests before delivery

6. Tests before delivery

About four weeks before the expected date of delivery, around week 36 of pregnancy, the mother is given a vaginal and rectal culture to rule out the presence of a bacterium called streptococcus agalactiae. If it exists, the mother is given antibiotics during delivery to prevent the baby from catching an infection.

Towards week 40 (in the Social Security) or from the 37 (in the private insurance), begin to control the contractions in the mother and the heartbeat of the baby on a weekly basis with a technique called monitoring .

Pregnancy usually lasts 40 weeks, but it is normal for the baby to be born between week 37 and 42. Ideally, it should come to the world naturally, but if week 42 has not shown signs of wanting to leave, it will be program the induction to childbirth.

European Stock Exchange, FI

European Stock Exchange, FI

It is an International Variable Investment Fund.

It invests most of the capital in equity or similar assets (shares, derivative instruments …), issued in different currencies.

Aimed at investors who are willing to invest in a product with a very high risk profile , that is, to achieve a higher potential return, they are willing to assume greater risk.

This fund is oriented for investments over 3 years.

BBVA Bolsa Europa, FI offers the possibility of investing in the European market, in a diversified way , for those customers who want to take equity positions in that region, taking advantage of the extensive experience of BBVA Asset Management in the management of this type of investments .

 

  • characteristics
  • Profitability and associated risks
  • Did you know?
  • What is the risk profile of this fund?

The risk level of this fund is 7, that is, it has a very high risk profile.

Fondos :: Bolsa Europa :: riesgo

Commissions:

Commissions:

About patrimony:

  • Management fee (i) : 2.25% per annum.
  • Deposit commission (i) : 0.20% per annum.

About the amount subscribed or reimbursed :

  • No subscription fees.
  • Refund Commission:
  • 2% for participations less than 3 months old.
  • 0% for participations with an age greater than or equal to 3 months.

 

What is your minimum investment?

What is your minimum investment?

The minimum investment amount is € 600.

 

In what does this fund invest?

Mainly, in the most important companies of the European stock exchange, taking as an example the FT-Eurotop-100 index (composed of the 100 companies with the largest capital of the European stock exchange).

The investment will be distributed as follows:

Fondos :: Bolsa Europa :: inversion

 

The investment in currencies other than the euro will be less than 30% of the total.

The strategy is to invest in companies that have good prospects on profits and attractive valuations.

The criteria of the fund to select your investments in countries and economic sectors are:

  • the economic perspectives.
  • the valuations of the price of the shares in the market.
  • the economic moment in which we are.

See the fund’s profile in the BBVA Fund Manager.

 

(i) Glossary

(i) Glossary

  • OECD : Organization for Economic Cooperation and Development. It is made up of 34 countries and its objective is to coordinate its economic and social policies.
  • Credit quality (rating) : valuation of a company or issuance of an asset that allows knowing the capacity of the company to pay its obligations in the future. It is based on a scale that ranges from maximum credit quality (AAA) to BBB- (intermediate) to minimum credit quality (CCC). The lower the credit quality, a higher interest rate is required to compensate the risk assumed by the investor
  • Duration: average expiration time of all the payments of a bonus, both the principal and the periodic coupons. This calculation is weighted, that is, proportional to its weight in the fund.
  • Deposit Commission : percentage that is charged on the patrimony of the plan by the administration and custody of the assets.
  • Management fee : percentage that is charged on the assets of the plan for the management of the assets.
  • Subscription / redemption fee: percentage charged by the investment fund management company when the client wants to buy or sell assets outside the established dates.

 

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At BBVA, we ensure clarity and transparency in the information we offer you. We are committed to provide plain and easy to understand explanations about the characteristics of the product, in particular, the interest rate, fees and costs of the operation you want to perform.

  • What profitability does the fund offer?

    What profitability does the fund offer?

    The fund offers a variable return to investors. The profitability will depend on the evolution of the assets in which the fund has invested the capital.

    Past performance is not indicative of future results.

     

    Associated risks (i)

    Associated risks (i)

    As with any other investment product, investing in funds implies assuming a certain level of risk. Each fund, depending on its specific characteristics and the assets in which it invests, will imply a greater or lesser level of risk. The risks of the BBVA Bolsa Europa, FI fund, which invests in different types of fixed income and variable income assets, are the following:

  • Market: mainly due to the variation in the prices of the variable income assets in which it invests and the interest rates.
  • Currency: investment in currencies other than the euro will be, at most, equal to 30% of the total.
  • Credit: limited, given the credit quality of the assets in which it invests.
  • Investment in derivatives.

 

(i) Glossary

 

Associated risks:

  • Market: the variation in the prices of the assets in which the plan invests (variable income, interest rates, currencies, etc.) can negatively affect its profitability.
  • Investment in equities: investment in equities carries the risk of variation in the prices (prices) of the shares.
  • Interest rate: variation that the price of an asset may suffer due to changes in the interest rate. There is an inverse relationship between interest rates and the price of fixed-income securities, such as bonds (when interest rates rise, the price of assets decreases and vice versa).
  • Of currency: risk before the variations of the exchange rate of our currency on that in which the plan is invested. Investment in assets issued in currencies other than the euro carries a risk derived from fluctuations in exchange rates.
  • Credit: risk that the issuer of an asset does not meet its payment obligations on the established date.
  • Investment in derivatives: financial derivatives are instruments that are based on the price of another asset (called underlying). They can be used to cover the risk of the price of an asset or to capitalize on its variation. The investment carries the risk that the coverage is not perfect, since it allows to have an exposure to the underlying greater than the amount invested (called leverage). There is also risk of default in the payment of one of the parties involved in the transaction.
  • Funds are a diversified investment alternative , since they invest in numerous assets, which reduces the risk of investing in a single asset.
  • There is a wide variety of investment funds with very different risk profiles.
  • The funds allow you to invest in different types of assets, geographic areas, currencies … You can choose the one / those funds that best suit your objectives and needs.
  • Investment funds allow access to the benefits of professional management from very small amounts (in this case, from only € 600).
  • One of the main characteristics of this investment fund is its liquidity. You can buy and / or sell units at any time, since you do not have subscription or reimbursement commissions.
  • In accordance with current legislation, you should only pay taxes when you sell all or part of your investment fund. For individuals with tax residence in Spain, the transfers from one investment fund to another does not have a tax impact on personal income tax (capital gains are not taxed or handicaps are deducted until the definitive reimbursement occurs).
  • It is very important that you report well and understand the operation of the fund before investing.

What are the amortization tables and what are they for?

 

What are the amortization tables and what are they for?

The amortization tables are the basic tool to know how much we will pay for the mortgage month to month until the debt is paid off. In HelpMyCash we advise you to ask the banks before signing a loan of this caliber since it is the way to know exactly how much we are going to pay each month and how much of that fee will be interest.

 

 

The amortization table

In an amortization table it is broken down:

  • The fee agreed with the bank
  • The interest paid each month, since at the beginning of the mortgage the percentage is higher than the amortized capital . In this way the bank makes sure that in case we cancel the loan before the majority of interest will have been charged. The interest payable each month is calculated based on the outstanding debt that remains each month, hence decreasing
  • The amortized capital of the debt. Each month the percentage is higher
  • The outstanding debt of the loan

The amortization tables arise as a result of the French system, which is the one in which personal loans are usually governed in Spain. These consist in calculating the quota in such a way that it is kept constant month by month. Of course, in the case of mortgages, the fee depends on the current value of the Euribor or another index, so it is reviewed every 6 or 12 months depending on the entity.

In HelpMyCash we want to provide the accounts to our clients and we make available to you free of charge the amortization chart calculator . The only thing that must be done is to fill in the form data and in a few minutes we will send the amortization tables to the user.

Author: Teresa Belaire

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