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"Perspectivas económicas y financieras 2023: Inflación, impuestos y tipos de interés ¿susto o muerte?", a cargo de F. Xavier Mena

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Francisco Xavier Mena, catedrático de Economía de Esade-Universidad Ramon Llull y profesor ordinario del Departamento de Economía, Finanzas y Contabilidad de Esade Business & Law School, nos da su visión sobre los desajustes de la situación económica y mundial.

Colaborador:

Language: Spanish

#Dirección de Empresas y Liderazgo
#Finanzas

Perspectivas económicas y financieras 2023, a cargo de Xavier Mena

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ESADE Alumni Oro Visa

Request a ESADE Alumni Oro Visa in conjunction with any bank. This will give you access to special offers.

Exclusive benefits:

No maintenance fees.
Accident and travel insurance.
Caixa Protect Emergency: if you lose or have another problem with your card outside Spain, we'll provide an emergency card or provide cash urgently.

And you can pay with Apple Pay and Caixa Bank Pay. Request your ESADE Alumni card!

FULL DETAILS

APPLY FOR ORO VISA

*If you would have any problem applying for your Visa, please contact us at esadealumni@esade.edu / +34 93 553 02 17 so we could help you.

ESADE Alumni Platinum Visa

Add direct deposit of your salary to the Esade Alumni Platinum Visa and receive a benefits package¹ with special conditions:

The exclusive Esade Alumni Platinum Visa card with the following services²:

Accident insurance
Travel insurance
Priority Pass for free access to 1,300 VIP lounges at airports across the globe

A perfect loan to finance your dreams

Loan with personal guarantee at 3.97% APR (3.90% NIR)³
€0 in opening fees, credit check fees and repayment fees

Services for your everyday life:

Checking account with self-service transfers and cheque deposit
VIA-T to pay tolls without stopping your vehicle

FULL DETAILS

APPLY FOR PLATINUM VISA

*If you would have any problem applying for your Visa, please contact us at esadealumni@esade.edu / +34 93 553 02 17 so we could help you.

Information required by Order ECC/2316/2015: Checking account
CaixaBank is a member of the Deposit Guarantee Fund for Credit Institutions envisaged in Royal Decree 16/2011 of 14th October. The guaranteed amount is limited to €100,000 per depositor in each credit institution.

1/6
This number indicates the risk of the product, with 1/6 being the lowest risk and 6/6 the highest.

^{1. In order to enter into an Esade Alumni Platinum Visa card contract with CaixaBank, you must deposit either your salary or professional income (not a combination thereof) in the amount of at least €2,500/month. 2. Approval for a credit card is subject to an analysis of the applicant’s solvency and ability to repay, in accordance with the risk policies of the card-issuing institution. Cards are issued by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C. E.P., S.A.U., with NIF A-08980153 and registered in the Official Register of Banking Institutions of Spain with code 8776. CaixaBank, S.A., acts as the agent of the card issuer. The system for protecting the funds of customers using payment services chosen by CaixaBank Payments & Consumer is a deposit in a separate account at CaixaBank, S.A. 3. Advertised product: personal loan. French repayment system. Representative example: 3.97% APR calculated for a loan of €15,000. TIN: 3.90%. Term: 72 months. Total amount owed: €16,847.28 (€15,000 capital + €1,847.28 interest). Total cost of the loan: €1,847.28. Monthly instalment: €233.99. There are no opening fees or credit check fees. Approval of the operation is subject to the analysis of the applicant’s solvency and repayment capacity, in accordance with the risk policies of the institution.}

DKV Health Insurance

ESADE Alumni and the insurance company DKV Seguros have signed an agreement under which association members and their immediate family (spouses and children) can take out a DKV Integral and DKV Mundisalud policy under more advantageous conditions.

Over 6 million European customers already trust DKV!

Exclusive benefits with DKV

- Once you have been insured with DKV for three years, the company will never cancel your policy.
- Indemnity for each day of hospitalisation not covered by DKV.
- Additional services at no extra charge: worldwide emergency healthcare during trips of up to 90 days, dental care, health club membership and international second opinion coverage.
- Additional services with deductible: laser eye surgery, breast reconstruction, family planning techniques, aesthetic medicine, psychology and geriatric care.
- Preventive medicine programmes: paediatric care, gynaecological cancer, coronary risk, oral health.
- Work-related and traffic accidents.
- 18,000 doctors and 1,000 clinics in the DKV healthcare network.

DKV Integral: I Like Being Taken Care Of

This health insurance policy guarantees top-quality healthcare and the personal treatment you expect when you visit a doctor or clinic.

Emergency treatment, primary care, specialists, complementary diagnostic resources, hospitalisation and surgery. Everything is covered, with no cost limits, by our team of participating doctors.
Additional services: laser refractive surgery, inclusive dental services, fertility and assisted reproduction services, and clinical psychology treatment (15 sessions per policyholder per year).

More information about DKV Integral

Comprehensive premiums for 2024 (euros/month)

Age	Men	Women
from 0 to 19 years old	76,09€	76,09€
from 20 to 30 years old	70,66€	77,90€
from 31 to 49 years old	76,09€	85,15€
from 50 to 59 years old	108,71€	108,71€
more than 59 years old	117,75€	117,75€

Special conditions for ESADE alumni
- No co-payment.
- Payment by instalments at no additional fee.
- No exclusion periods (except for childbirth) if you sign up for the insurance policy within 90 days of its introduction (after this period, the standard exclusion period shall apply).
- Any declared pre-existing conditions shall be excluded.

DKV Mundisalud Classic: If I Can Choose, I Feel Free

With this policy, you can visit any doctor's office or clinic in Spain or abroad, even if it is not included in our team of participating professionals. Expenses are reimbursed if you visit a non-participating doctor's office or clinic. This way, you are free to choose your care provider anywhere in the world. You can also visit any of our participating doctor's offices or clinics free of charge, with no co-pay.

Participating centres: 100% coverage
Non-participating centres: reimbursement of 90% abroad and 80% in Spain

More information about DKV Mundisalud

Comprehensive premiums for 2024 (euros/month)

Age	Men	Women
from 0 to 19 years old	110,71€	110,71€
from 20 to 30 years old	106,83€	118,48€
from 31 to 49 years old	110,71€	126,75€
from 50 to 59 years old	174,80€	180,63€
more than 59 years old	190,35€	190,35€

Special conditions for ESADE alumni

- No co-payment.
- Payment by instalments at no additional fee.
- No exclusion periods (except for childbirth) if you sign up for the insurance policy within 90 days of its introduction (after this period, the standard exclusion period shall apply).
- Any declared pre-existing conditions shall be excluded.

Consulta la GUIA de la red DKV de servicios sanitarios

Contact with DKV:
Gerard Gómez Agramunt
Tel: 93 481 62 54/ Mov: 691 668 800
email: gerard.gomez@segurosdkv.es

DKV Personal Doctor

Personal Doctor is a new medical experience with all the coverage provided by comprehensive health insurance and the trust that comes from keeping your own personal doctor whom you know and who knows you. You will always have a general practitioner by your side whom you can trust, who will treat you in a familiar, fully personalized way, and whom you can always count on whenever you need them, because you’ll always have them in your pocket.

Visit the DKV Personal Doctor microsite

Digital services

Your personal doctor (chat and video call) Personal 24-hour medical team, whenever your personal doctor isn’t available.

Chat and video call with specialists before referrals from your “Personal doctor.”

A manager to process authorizations and in-person appointments.

Electronic prescriptions and pharmaceutical assistance chat. Digital medical record and appointment calendar.

Personalized preventive medicine, tracked and guided by your personal doctor personal.

In-person services

Appointments with medical specialists.

Diagnostic and analytical tests.

Hospitalization and surgery.

Medical emergencies. Dental service.

Medical assistance on trips abroad.

Consultations with podiatry, physiotherapy, and rehabilitation.

Plus...

Dental coverage included without any additional cost.

The best global travel healthcare on the market, in case of an emergency abroad.

Medical care for traffic and workplace accidents.

Reimbursement for hospitalization when admission costs are not paid by DKV (€80/day, maximum of €2,400).

Podiatry, physiotherapy, and rehabilitation, with no limits on the number of sessions.

DKV medical hotlines 24 hours a day.

DKV Personal Doctor Club Health and Wellbeing.

Documentation and fees

Documentation and fees
IPID

Monthly premium 2024*

Age of insured party	Premium
0 - 5 years old	69,41 €
de 5 a 10 years old	39,76 €
de 10 a 15 years old	35,99 €
de 15 a 20 years old	41,71 €
de 20 a 25 years old	51,26 €
de 25 a 30 years old	60,04 €
de 30 a 35 years old	72,5 €
de 35 a 40 years old	76,96 €
de 40 a 45 years old	81,95 €
de 45 a 50 years old	90,76 €

*Premiums calculated based on residency in the province of Barcelona. Please inquire for the rest of Spain.

Contact DKV:
Gerard Gómez Agramunt
Tel: 93 481 62 54/ Mov: 691 668 800
email: gerard.gomez@segurosdkv.es

Email and Office 365 Online

Access your @alumni.esade.edu email account for life, identifying you as an Esade alumni. Access from anywhere.

Use Office 365 online at no cost. The license includes all the products of an A3 license within the Office 365 Education package, which includes the latest versions of Word, Excel, PowerPoint, Teams, and OneNote, among other programs. Additionally, you have access to OneDrive to store your files in the cloud.

See more details

ESADE

You can now enjoy exclusive discounts on ongoing training.

Discounts on Executive Masters and Executive MBA:

5% in Executive MBA (combinable with other discounts)
If you have studied a PMD or an Executive Master, consult special price.

10% in Executives Masters and their certifications:
- Executive Master in Economic-Finance Management
- Executive Master in Sales & Marketing Management
- Executive Master in Operations & Services Management
- Executive Master in Digital Business
- Executive Master in Business Analytics

Discount on Open Programs: 10%

Start your admission process

If you want to receive more information, please contact us on: exedBCN@esade.edu or 93 280 40 08.

HP Shop

Discover the wide range of products HP is now making available in its exclusive shop for ESADE Alumni. Here every month you will find special offers on portables, table-top computers, printers, monitors, etc. with discounts up to 40% on the normal sale price

How can I take advantage of these offers?

On Internet
Go to the web page of the HP Shop and look for click here. In the centre of the opening page you will find an e-mail box. Here, please enter your e-mail address for alumni as a whole and click on the "log-in" button. If you cannot remember your e-mail address or you do not have one, please enter the following generic e-mail address usuario@alumni.esade.edu

By Telephone
To make a purchase you need only call 902 010 349 and then select the option "To buy products" (Option 2) and tell the salesperson that you are a member of Esade Alumni indicating the following reference:

Reference: ESADEALUMNI

Products on offer:

HP puts digital equipment at your fingertips:
- Mobile phone data-processing:
iPAQs and GPS, Pavilion Portables and Tablets, Envy Portables, Compaq Portables, Ultra-portable Mini-notes, Professional portables, SAVINGS Packs

- PC's and Monitors:
Table-top PC's, TouchSmart PCs, Professional PCs, Work stations, SAVINGS Packs, Monitors

- Printers:
Colour injection printers, LaserJet colour printers, LaserJet monochrome printers, Portable printers, Photograph printers

- Multifunctionals and Scanners:
Monochrome multifunctionals, Colour multifunctionals, Scanjet scanners

- Calculators:
Financial, Scientific and Graphic calculators

- Digital Imaging:
Digital cameras

Further information:
902 010 349
www.hp.es/go/tutiendahp

My SEAT Club

Save on your car purchase

Enjoy special discounts on the entire SEAT and CUPRA range just for being a member of Esade Alumni.

As a new feature this year, you will no longer need to be registered with the MY SEAT CLUB platform to configure your vehicle. Now you can do this directly at any dealership in the official SEAT and CUPRA network by presenting your Esade Alumni membership documentation (write to esadealumni@esade.edu to request a certificate of membership).

More information:

Ready? Sign up and get these great discounts!

Just by being a member of Esade Alumni, you can enjoy special discounts on the entire SEAT and CUPRA range. It is not necessary to be registered on the MY SEAT CLUB platform to configure your vehicle; now you can do it directly at any of our official SEAT and CUPRA dealerships by presenting documentation that confirms you are a member of Esade Alumni (request your certification document at esadealumni@esade.edu).

Further information:
902 120 169

Occident

Esade Alumni and Occident have reached a collaboration agreement, through which all their members can benefit from personalized advice on taking out life insurance with an exclusive discount.

For more information and contact: https://www.occident.com/agente/javierperez

SOSMATIC

Free support service to help you with digital technologies. The service is provided remotely, is for personal use only, and is limited to one consultation per week. One data recovery per year is also included.

If you’re interested in more coverage or other services, check out the special conditions for members.

Click here to submit a request and a specialist will call you within one hour.

Conditions

This offer cannot be combined with any other offer.
Subject to conditions of use.
Online
Important: if you place your order using the supplier’s app, you will not receive a discount. Remember always to place your order through this exclusive offer.

About SOSMATIC

We can solve any kind of computer or digital problem at any time. We are present in more than 15 million homes through insurance, banking, distribution, customer assistance, telecommunications, training, etc.

SOSMATIC customer service:

Tel: +(34) 933961020
email: hola@sosmatic.es

Subscription to Expansión

Now members of ESADE Alumni can take advantage of a 20% discount on subscriptions to Expansión + Marca + El Mundo along with all their supplements from the digital newspaper store Orbyt.

For one year you can read these three newspapers from anywhere using any device from only €19:99 a month, all without needing to go to the newspaper shop.

The real price of this joint offer is €24:99 per month, and if you wanted to buy these three titles separately the price would be €34:99. It's a bargain!

Apply for your subscription here

Discover everything Expansión has to offer on Orbyt

The possibility of reading our newspaper, supplements and magazines anywhere, from any terminal, without having to go to the newsagent's.
Value-added content, services and tools that will help you in your professional development:

- All our news and premium content: Orbyt exclusives, the most relevant sources (Financial Times, The Wall Street Journal and HoS) in Spanish, along with leading company reports: consulting firms, institutions...
- Company listings and market analysis: You'll get the opinions of our experts and discover the best tools to use with your professional terminal and online portfolio.
- Alerts and newsletters to suit every client: listings, news updates, real estate markets, etc.
- Put your stock market questions to our investment expert, José Antonio Hódar.

Special leisure time offers as a Premium Client: Orbyt users will have access to exclusive services such as live opera, movies, books, cinema/concert/theatre tickets etc.

Bankinter

The ESADE Alumni Bankinter VIrtual Office offers all of the bank's products and services, but with more special deals than a traditional bank office. Special prices are set for ESADE Alumni members, depending on their needs.

One of the main distinguishing features of the Virtual Office is that it shares part of its profits amongst customers. Bankinter gives 50% of the profits made by the Virtual Office to the customers of the office. These profits are shared out in proportion to the contribution each customer makes to the profits of the office.

To learn more or become a customer:

- Visit the Virtual Office

- Contact your personal money manager:

Alejandro José Vázquez Agustí
Director Banca Privada
ajvazqueza@bankinter.com
Tel.: 934955241 / 669652163

SOIDEM DATA TECHNOLOGIES, SL.

Soidem Data Technologies, SL., established in Barcelona in October 2021, is recognized for its innovation in digital transformation. It combines specialized consulting and proprietary software development for various industrial sectors, including textiles, food, automotive, metallurgy, healthcare, and pharmaceuticals. The company leverages advanced technologies such as Artificial Intelligence (AI), Machine Learning (ML), and Augmented Reality (AR) to offer monitoring solutions that optimize operational efficiency and sustainability by integrating data from multiple sources and locations.

Among its achievements is a 38% reduction in water consumption in the textile industry and the successful implementation of software in primary care centers in Catalonia, improving data management and decision-making. Additionally, they have developed an OCR platform that automates order management in ERP systems, eliminating manual processes. As a Splunk partner, a leader in SIEM, Soidem has invested in R&D to develop proprietary technologies that optimize processes and reduce their clients' carbon footprint.

Soidem’s value proposition focuses on helping its clients make strategic decisions through customized visualizations and the unification of diverse information sources into a single environment. This enables real-time processing and the generation of automatic reports without requiring extensive licenses or invasions. The company stands out for its flexibility, commitment, and speed, offering tailored technological solutions to meet the specific needs of each client and acting as a strategic partner in their digitalization journey.

WELLBAY

WellBay is a marketplace designed for young professionals, particularly Millennials and Gen Z, to explore how various holistic practices can address their specific challenges or growth goals. Starting with the problem or aspiration you have, WellBay helps you discover different holistic approaches and then connects you with the right professional to meet your needs. Once you've found the therapist that suits you, you can book sessions that can take place either in person or in a hybrid format, ensuring flexible and personalized support on your path to growth and well-being.

MIGRASTUDIUM

The Migra Studium Foundation is a social center promoted by the Society of Jesus in Catalonia. We work for the dignity and rights of the most vulnerable migrants and their children. We do this through reception, training and political advocacy.
Based on values such as dialogue, justice and solidarity, we work to build a society that is more integrated in its intercultural and religious aspects.

We are looking for a technician who, as part of the Hospitality project team, will carry out tasks of accompaniment and monitoring of the residential spaces and support the Hospitality project

Job Description
▪ Management and support of the residential devices of the Hospitality Network.
▪ Preparation of the work plan and monitoring of the people welcomed.
▪ Monitoring and supervision of coexistence and conflict resolution.
▪ Promote the autonomy and participation of the people welcomed.
▪ Coordination of volunteering linked to residential devices.
▪ Economic management of the project.
▪ Drafting of projects and reports of activities for grants and others.
▪ Host and provide information related to Migra Studium projects and services.
▪ Weekly coordination with the hospitality and reception team.
▪ Actively participate in training activities and work meetings proposed by the entity's management, as well as in network actions in which we participate.
▪ Participate in awareness actions proposed by the entity (talks, meetings, etc.)

Requirements
▪ Degree in Social Work or Social Education (people with other degrees in social sciences and/or with extensive experience accompanying migrant people will also be considered).
▪ Identification and commitment to the mission and values of the Migra Studium foundation.
▪ Socio-educational competence in working with migrant people.
▪ Knowledge of social resources and services in the city of Barcelona.
▪ Skill in interpersonal relationships.
▪ Ability to work as a team.
▪ Availability and time flexibility.
▪ Experience in management tasks and collaboration in social entities
▪ Mastery of computer tools and knowledge of CRM.

Conditions
▪ Incorporation: September 2, 2024
▪ 30-hour day at a time to be agreed (availability one/two nights a week and exceptional specific activities on weekends)
▪ Salary according to Social Action Agreement.

Interested persons send their CV to mc.delafuente@migrastudium.org indicating “Hospitality Offer” before August 12

PORTOLA FUNDACIÒ

Descripción:
The Portolà Foundation is currently in the process of renewing its board and is interested in seeking alumni who are committed to the third sector and would like to join its governing body.

To request more information, please write to:

María José Alepuz Pou, directora

mail mjalepuz@fundacioportola.com

Tel. 93 652 62 20

Web www.fundacioportola.com

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Perspectivas económicas y financieras 2023, a cargo de Xavier Mena

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