If you’re considering buying property in Spain and need a mortgage, familiarize yourself with key Spanish terms like AmortizaciĆ³n for repayment, Avalista for guarantor, and Hipoteca inversa for reverse mortgage. Understanding ClĆ”usula de vencimiento for early maturity and ComisiĆ³n for bank fees will help navigate the mortgage process in Spanish. Stay informed on IRPH as the mortgage loan reference index and PerĆodo de revisiĆ³n for review periods to ensure you secure the best conditions for your mortgage in Spain.
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Build child-safe smartphones rather than impose school bans, experts urge
In a new piece published in the British Medical Journal, academics argue that smartphones should be treated like cars, not cigarettes, with a focus on developing technology to mitigate harms rather than outright bans. Despite calls for phone bans in schools, research from Teacher Tapp shows that the majority of teachers prefer stricter regulations, with 78% supporting complete bans. A study by academics from the University of Birmingham, Harvard, and universities in Brazil and Sweden...
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