There is a way to retire at age 63 in Spain. The key requirement is not age, it is pension

Retiring at 63 is possible in Spain, although you have to meet a series of requirements very specific to be able to do it. All this is due to the network of possibilities that do not depend so much on your age, but on your pension or the years you have been contributing. The retirement age The minimum age in Spain has gone from 66 years and ten months in 2026 if you have contributed less than 38 years and 3 months, and to 65 years if you equal or exceed those years of contributions. Early retirements allow you to retire up to two years earlier, and that opens the door to being able to do so at 63, although only in certain circumstances. Three key requirements. To qualify for early retirement, you have to meet several requirements. First of all, you must have contributed to Social Security for a minimum of 35 years. Secondly, you must be a maximum of 2 years younger than your corresponding retirement age. And the third requirement is the key, because the pension you have left after applying the reducing coefficients must be higher than the amount of the minimum pension that would correspond to you when you turn 65 according to your family situation. The key is the pension and the reducing coefficients. With all this, what should be clear to you is that retiring at age 63 depends on the pension you will have if you do so, and that you will not be able to retire early at that age if you will have a pension that is too low. And when calculating the pension you will have, the reducing coefficients for early retirement come into play, whether voluntary or involuntary. These are percentages that are subtracted from your pension for bringing your retirement forward, and the more you want to advance it and the fewer years you have contributed, the greater the percentage that will be subtracted from your final pension. And these percentages are final, the pension you have left after applying them is the one you will receive for the rest of your life. In 2026, the percentages of the reducing coefficients for voluntary early retirement are between 2.81% and 21%. The percentage that you have left will depend first on the number of months in advance with which you request your retirement with respect to the ordinary retirement age. And secondly, it will also depend on what you have quoted. This second part is divided into four different sections. But so that it’s not too much of a hassle, this is the official table where they tell you the sections and reductions: In this way, that maximum 21% is taken away if you want to advance your retirement to the maximum, 24 full months, and if you have contributed for less than 38 years and 6 months. On the other hand, if you only want one month in advance and you have been contributing for more than 44 years and 6 months, your pension will only be reduced by 2.81%. Then, all that remains is for you to calculate your specific case in the retirement simulator of Social Security. There are other types of retirement. Everything we have told you is referring to voluntary retirements, but there are also other cases of involuntary early retirement. These are those that are due to external causes, things that you do not ask for, such as collective or objective dismissals, judicial resolutions of the contract and similar. This modality can lead to advancing the ordinary retirement age up to 4 years if there is a minimum of 33 years of contributions, and if you register as a job seeker at least 6 months before requesting it. But of course, this depends on each specific case. As for the self-employed, they can retire early voluntarily with the same conditions as employees, just as we have explained to you, with the same minimums and reductions. And then there are the officials, for whom it depends on the regime that corresponds to them. General Regime officials have the same conditions and requirements as employees, which we have already explained to you. And those in the Passive Classes Regime can voluntarily retire early at age 60 if they have been serving the State for 30 years. Image | pxhere.com In Xataka Basics | Request a card for Social Security retirees and take advantage of discounts

The Google Pixel 9 goes back down (a lot) of price in Mediamarkt only if you meet a simple requirement

If you are thinking about renewing your old mobile and you have thought of a high -end terminal, let me tell you that Google Pixel are one of the best valued models for a few years by users. Now, in Mediamarkt, you can get the Google Pixel 9 for 636.65 euros. Of course, to get it at that price (but it costs 749 euros), you will have to MAKE MIMEDIAMARKT memberyour free loyalty club and with which you will get points with your purchases. * Some price may have changed from the last review A very top mobile now at an unbeatable price This Google Pixel 9 It is one of the best mobile phones that were launched last year and it is not surprising, since they have characteristics that stand out. Your screen is type Super acts OLED of 6.3 inches and resolution of 2,424 x 1,080 pixels. In addition, it has a 120 Hz soda rate and reaches a maximum brightness of 2,700 nits. The brain of this terminal is the processor Google Tensioner G4accompanied by the titan m2 backproofing. The terminal on offer in Mediamarkt, also has a 12 GB RAM and a 256 GB storage capacitymore than enough for most users. Its photographic system is another of its hallmarks and is formed by a Double 50+48 MP rear camera (Able to record 4K video). Its battery admits fast charge by cable to 45 w and in the connectivity section, it comes with Wifi 7, Bluetooth 5.3, NFC. Finally, it can be noted that it works under the operating system Android 14 and that you are guaranteed the updates for seven years. Protect this mobile with the best accessories Jetech founded for Google Pixel 9 * Some price may have changed from the last review Lutree for Google Pixel 9 Tempered Crystal, 3+3 pieces * Some price may have changed from the last review Some of the links of this article are affiliated and can report a benefit to Xataka. In case of non -availability, offers may vary. Images | Pepu Ricca (Xataka Android) and Google In Xataka | The best mobiles, we have tried them and here are their analysis In Xataka | The best price quality price. Your analysis and videos are here

IA is now a “fundamental requirement” for all workers

Companies are betting on the use of different artificial intelligence models to expedite their internal processes and, with it, Improve productivity of its employees. Along the same lines, Tobi Lütke, CEO of Shopifywhich is convinced that your company is missing the tools of AI And he has urged his employees To use it more in your work. If they do not, they will not be given the resources or new hiring they ask. Shopify’s bet on AI. According to a memorandum published by Lütke himself In his X profilethe manager affirms that he already uses AI as a complement in many of his tasks, so he invites all his users to Develop your skills With these tools to improve your productivity. According to the memorandum, Shopify already has several models of IA specifically adapted to different tasks, which include Copilot de Microsoft, Claude de Anthropic and cursor. “What we need to succeed is the sum of our collective skills and ambition to apply our trade, multiplied by AI, for the benefit of our merchants,” says Lütke. AI is the future. However, according to Lütke, not enough employees have taken advantage of this technology. For this reason, the manager has hardened his message turning what were previously simple suggestions in mandatory management. “Using AI effectively is now a fundamental expectation for everyone in Shopify,” the CEO wrote. This means that Use of AI tools In its workflow, you will take into account in employee performance reviews. “It is a multipurpose tool today and its importance will continue to grow. Frankly, I do not think it is viable to give up learning to apply AI in your profession,” he specified in his statement. Use in the innovation phase. Lütke considers it essential Very well documented. According to its manager, the AI ​​will transform and accelerate this process by simplifying the documentation of the different areas. An aspect in which other companies like AWS too They have put to work at AIfor their engineers to spend more time improve the product. “The prototypes are designed to learn and create information. The AI ​​drastically accelerates this process. You can learn to produce something (with AI) that other teammates can see, use and analyze in much less time than I used to carry,” said Lütke. If there is no more resources. One of the conditions that reveals how serious the bet of Shopify for AI, is the one that forces to demonstrate that a certain task or objective cannot be achieved using an AI tool before requesting more personnel or resources. That is to say, Before expanding the template Or invest in other tools, those responsible for the project must exhaust all the ways to do so with the tools of AI that they already have available. This approach changes the personnel hiring dynamics to new projects, rationalizing the use of the resources offered by AI before expanding the templates, as happened in the templates between 2020 and 2022, giving rise to mass dismissals and relocation of personnel in 2023 and 2024. An assistant, not a substitute. With this statement, Shopify shows his vision of AI as a support tool for employees to do their job better in less time. No replacing employees by AI models. In that sense, Tobi Lütke aligns with other relevant opinions in the field of technology Like Mark GarmanAWS CEO, or Sam Altman, who stated in an interview that “the AI ​​will multiply by 10 the productivity of employees”, and will be a great contribution to the creation of new products, or accelerate their development thanks to the ability to automate routine tasks offered by AI. In Xataka | Founders of small startups and large technological ones already has something in common: they are millmillonarios thanks to the AI In Xataka | “I have three years of work”: more and more IA managers believe that AI will end up removing the position Image | Shopify, Unspash (Mohammad Rahmani)

The requirement to install bathrooms in the field

To Toledo farmers who are dedicated to the cultivation of olive there are something that these days worry so much or more than the drift of oil pricethe threat of hail and The drought either The pests: Portable toilets. And the reason is simple. Not having them has already translated into sanctioning files In the fields of the province, according to complaint Union of Unions of Castilla-La Mancha. “It is the drop that fills the glass”, regrets The union. Where is the restroom? The case denounced it on its website On January 16, the Union of Unions of Castilla-La Mancha and since then has jumped to Regional media and of the rest of the country. Basically and always according to the version of the union, recently, in full campaign of the olive, Some farmers Toledos found sanctioning files for not having toilets in their olive groves. “These days inspections are taking place during the olive campaign in the province of Toledo. Although it may seem incredible, some of the reasons for sanction are the absence of services to shit and piss in the field.” @encarnitamoramarin ♬ Original sound – Encarnita Mora Marin A ‘Caro’ mistake. In Your statement The Agrarian Union does not contribute many more details of what happened, beyond the reference to Toledo and denounce that the sanctions started from two work officials. During An interview With 20 minutes, Anastasio Yébenes, part of the union executive, provides some more clues and details that the episode occurred in the region of The Sacred. “There were two inspectors and when there were no public toilets in the countryside, they were opened sanctioning files,” He recounts. The problem is that these minutes are more than a call for attention to the owners of the fields. “They can carry large fines of more than 2,000 euros.” Furious complaint. That did not like union farmers. Nothing. In fact they launched A furious statement. “The situation exceeds absurd censorship The organization, which acknowledges not understanding how during the inspections one of the reasons for sanction was “the absence of services to shit and piss in the field.” “What the Labor Inspection asks is something like demanding to the brigade that fixes the high voltage line that carries a service or the high mountain group of the Civil Guard or the Seprona that in each and every one of its Outputs transport a mobile bath. They regretwithout hiding their anger: “The farmers have come to the conclusion that both the inspectors and the Civil Guard carry diapers.” @Pedropintoelloco Shit on squats is very good for colon cancer, you can better clean the rectum and maintain balance ♬ Original sound – Pedro Pinto. The madman “Is it hygienic?” Yébenes goes further and questions the bottom of the demand. “They talk about environmental issues, but do you think it is hygienic ! Underline. “The law says that any workplace has to have bathrooms, and of course they must have them, but the problem is what we understand by work center. If we apply that rule to Rajatabla, a traveler, a patrol of the civil guard or the own Inspectors who came to open the files would also have to wear a portable bath in the car, “he reflects on statements to 20 minutes. With the WC in tow. The spokesman remembers that it is not strange to meet toilets in agricultural farms, but they are not in the field, among the olive trees. They are located in “Warehouses or ships where machinery is saved”, Razon Yébenes Before clarifying that within the sector there are very different facilities: little has to do for example a greenhouse where the worker barely moves a few meters that an olive grove of 50 hectares, he argues. “By God! How do you do it? If one day you work in one hectare, then in another … Do you take the toilet by car?” Adding (more) pressure. The agrarian union also recalls that the episode of the toilets arrives at a particularly delicate time for the sector, which last year He starred Several tractors To claim “Just prices”the review of the common agrarian policy or an improvement of its conditions. The union itself cried out recently for “Speculation” which detects specifically around the price of oil and directly affects farmers. “If we join this new mess to the unjustified drop in the price of oil, speculation, the increase in production costs, bad weather and juggling games to meet the environmental and bureaucratic regulations of the new PAC, the desperate situation is understood of the olive and agricultural sector “. How did the case end? The union statement ended up begging for labor inspection that “Reconcited” and insisted that inspections such as Toledo’s, “in addition to ridiculous are generating uneasiness and animosity.” The petition seems to have had an effect. At least so believes yébenes, which assures that your complaint has reached the ministry and speaks of a “specific case.” “Common sense has been imposed and have paralyzed. The files are going to archive.” Images | Grand Teton (Flickr) and Junta de Andalucía In Xataka | A town in León wanted to force its farmers to collect the mouthpieces of their cows. Ranchers (and cows) had other plans

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