Tutorial: How to follow 11Onze on Telegram

Telegram is much more than an instant messaging application, and it has tools that allow you to open groups and public communication channels for anyone who wants to follow them. We explain how it works and give you a brief tutorial on how to use the application.

What is Telegram?

It is an instant messaging application, free and open source, which can be used on multiple platforms synchronised through the Telegram cloud, and which allows voice calls, video calls, sending and receiving messages over the internet, as well as creating groups of up to 200,000 members and channels to broadcast to unlimited audiences.

Focused on security

Unlike other messaging applications, Telegram, since its inception, has focused on the security and privacy of its users. It offers the possibility of starting end-to-end encrypted “secret chats”, deleting messages with no time limit, biometric and PIN protection for our chats, incognito mode keyboard, and the alternative of entering a chat without the obligation of having an account linked to a phone number.

Telegram channels

One of the most powerful features that Telegram offers is the ability to create public or private Telegram channels. While messaging groups have a limited number of members, and everyone can participate in the conversation, channels are mainly unidirectional and with no limit to the number of members. There are two typologies:

• Private channels: these are closed communities that can only be accessed by invitation from the channel owner and administrator, through a link.
• Public channels: They all have a username and anyone can find them by doing a search on Telegram and join them.

These public channels facilitate the creation of user communities based on communication and content of common interest. A tailor-made complement to the 11Onze community established from La Plaça.

How to find and join a Telegram channel?

• Once you have downloaded the application, and to find or check if there is a channel with the content you are interested in, simply enter what you are looking for in Telegram‘s integrated search engine, the icon with the magnifying glass, and you will see a list with all the results so that you can choose the most suitable one. You’ll know it’s a channel because the number of subscribers will appear below it.
• Click on any of the search results, and you will enter the channel. At the bottom, there is a button with the option: “Add”. Just click on it, and you will be part of the channel.
• To receive notifications every time you post on the channel, you have to go to Settings, in the wheel at the bottom right of the screen. Under “Sounds and notifications” make sure you have the “Channel notifications” option activated.

Do you want to be the first to receive the latest news about 11Onze? Click here to subscribe to our Telegram channel

The low yields offered by traditional bank deposits are pushing people to look for safe alternatives to avoid money depreciation. 11Onze offers savings ranging from small to large amounts, always with very low risk.

One of 11Onze’s objectives is to help its community protect their savings and purchasing power. This means trying to get a return on their money, and doing it safely. Currently, 11Onze accumulates proposals that allow you to save from €225 to more than €125,000. We review all the options in a conversation with 11Onze’s product manager, Isaac Sène. In this podcast, we discover not only the current products, but also the three new products that will be made available to the community.

Savings options for everyone

Which savings option suits you best? Choose one based on the minimum capital.

• €222. This is the cost of the Vienna Philharmonic gold coins.
• €3.000. Buy gold from Preciosos 11Onze. Bullion in custody or at home. In the first year of pooled purchases, Preciosos 11Onze has proven that it is able to protect savings from inflation.
• €3.000. Investing in 11Onze, as El Gran Salt investors did.
• €4.000. Available soon. A new product linked to gold. Discover it by listening to the podcast.
• €25.000. Available soon. New product from an external supplier. All the information soon on 11Onze Recommends. Find out more clues about this fund with the principal sum insured and returns above inflation.
• €125.000. On 11Onze Recommends, you can find all the information about Guaranteed Funds. Yields between 2.5% and 165%.

Security at the core

Saving with 11Onze is always based on one maxim: they must be safe propositions. That is why we have made a firm commitment to gold, because of its historical role as a store of value. The fact that money cannot be lost is also clear with the products selected by 11Onze Recommends, funds that guarantee the capital invested. But the clearest proof that security is at the core is provided by El Canut. The 11Onze current account does not work like a normal bank account, which can use the money from the deposits for its expenses. The 11Onze accounts are off-balance sheet, because that is how Electronic Money Institutions (EMI) are regulated. In addition, there is an insurance that guarantees 100% of the amount in the accounts.

What else will 11Onze bring to your community in the near future? The product manager, Isaac Sène, warns that “the next step will be crypto”. Of course, as always, with security at its core.

If you want to discover the best option to protect your savings, enter Preciosos 11Onze. We will help you buy at the best price the safe-haven asset par excellence: physical gold.

UK financial entities have been fined billions of euros for abusive practices. We spoke to Farhaan Mir, CFO of 11Onze, about the Payment Protection Insurance (PPI) scandal.

The Payment Protection Insurance (PPI) scandal concerned the mis-selling of insurance policies, and it became known as Britain’s costliest consumer scandal. It emerged in the United Kingdom in the early 2000s, when banks and other financial institutions were found to have mis-sold PPI policies to millions of customers, often without their knowledge or consent, opening the floodgates to 60 billion euros of compensation claims.

The insurance policies were intended to cover loan and credit card payments in the event of unemployment, illness, or death, but many customers were sold policies that they were unlikely to be able to claim on, or that duplicated existing insurance coverage. In addition, payments to customers involved commissions in excess of 50%, thus preventing customers from actually benefiting from the policies’ coverages.

What were the main reasons why PPI policies were mis-sold to consumers?

In call centers and high pressure sales environments, people were pushing to get their commissions upfront. That’s the game banks played because the more loans they sold, the more profit they made. When you’re selling an insurance policy, a regulated product, you have to follow a process. In this case, the high profits and the commissions paid to the sales teams, which in some cases were paid three years in advance, were more important than applying the correct process.

How have financial institutions been held accountable for their role in the scandal?

It started with the Financial Ombudsman, when the non-disclosure ended, there was a complaint. As soon as that complaint went in, the banks had to start putting money aside for the penalties they needed to pay. They were aware they could not fight this in court. Basically, they were held accountable in the courts for the amount of PPI they miss-sold, and they’ve been held responsible for the amount of money that needs to be repaid. 

What steps have been taken to ensure that similar mis-selling does not occur in the future?

Firstly, there were penalties for the banks. Second of all, when you buy a regulated product from a financial institution they have to tell you whether you’re eligible, or in other words, that you meet the suitability requirements. Basically, parties selling insurance have to make sure they’re selling you the right product, the right way, otherwise they risk being fined. Also, The Financial Services Authority (FSA) banned sales of single-premium payment protection insurance (PPI) alongside personal loans.

What’s the process of making a claim and how long does it usually take?

You can write to the bank directly and submit the documents yourself, or you can get a private lawyer to do it for you. If you believe you have a valid claim and the bank rejects it, then you can appeal. And if you think the bank is not being fair, you can report the bank to the Financial Ombudsman. So far, these claims are taking from 6 to 8 months.

If you want to find out how to get returns on your savings with a social justice product, 11Onze recommends Litigation Funding.

The best gift of the festive season comes from 11Onze, and the procedure for buying it is very simple. We explain how to do it in a podcast!

If you want to give a present for tomorrow’s future that won’t lose its value, the best option is gold. 

In this conversation with Càrol Rafales and Coral Santacruz, product managers at 11Onze, they explain the procedure for purchasing the Krugerrand and Britannia coins that we offered last year, the same process you have to follow to buy the Vienna Philharmonic coin that we have available this year.

If you would like more information about buying gold coins for tomorrow’s future, you can fill in this form and an 11Onze agent will contact you. “Once everything is done, payment can be made directly by credit card,” explains Rafales. The customer can choose the Vienna Philharmonic coin (€225) and, immediately afterwards, will start preparing the shipment.

All the information about the history of this mythical coin can be found here. All the information about the history of these mythical coins can be found here. Shipping costs €9.99, except for El Canut users, who get free shipping.

What will we receive at home?

A few days later you will receive the 11Onze Christmas card for tomorrow’s future, the gold coins and a gold voucher for each final recipient. “The gold voucher is personalised with the value of the purchase, the name of the buyer and for whom it is for”, says Art Director Laia Gubern. In this way, each child, grandchild or nephew, will have an exclusive gold voucher that confirms the purchase that has been made for him or her.

For tomorrow’s future is an exclusive 11Onze campaign designed to protect the future savings of the next generation. In the context of the depreciation of the euro due to inflation and competition from the dollar, with a growing distrust of fiat currencies, we had to find a way to give something away for the same purpose. If up to now we have been giving away money for tomorrow’s future, logic suggests that perhaps the best thing to do now is to give away gold.

With Preciosos 11Onze you can buy gold bars and Vienna Philharmonic gold coins. For what lies ahead, gold.

The Gold Raffle took place at 11 am in a live event and the winner was the number 12360501. How did the raffle go? What did the winners say when we called them? You can now watch the live broadcast of the raffl

At 10:57 the live broadcast of the Gold Raffle began. The raffle was carried out by entering all the valid numbers of new registrations in the CoolTabs application to choose a random entry. The winning number was 12360501, which corresponded to a new member: Jaume, who joined 11Onze recommended by Joan.

“Of course, we will celebrate!”

Jaume didn’t pick up the phone on the first try, but he did on the second one. Knowing that he was getting the gold coin and Joan the bullion, he assured us that “we’ll celebrate so much! Father Christmas has arrived! Immediately afterwards, 11Onze got in touch with Joan. We caught him having breakfast in a bar, and he promised to buy a round.

You can check how the Gold Raffle went because the whole process has been recorded. The campaign has generated 166 new memberships at 11Onze, of which 102 were valid for the Gold Raffle. Being part of 11Onze is one way to stay informed about the latest economic news, access exclusive products, and educate yourself financially. This time, it came with an extra reward.

Here’s how we’ll do the Gold Raffle on 21 December. It will be at eleven o’clock in the morning, so make sure you have your phone on because we will call the winner!

This Thursday, 11Onze is raffling off a 50-gram gold bar and a gold coin valued at over 500 euros among the participants in the Gold Raffle. The raffle will take place at 11 a.m. As soon as the number is drawn, the winners will be called to notify them of the result. All of this will be live and recorded to be shared on La Plaça. Therefore, this Thursday, all the people who have entered the Gold Raffle must have their phones on at 11 am.

How to participate?

More than 150 people have registered with La Plaça since the start of the campaign. If you still don’t have your number to participate in the draw, you can get it before the 20th at 23:59. We remind you how it works:

1. Prizes and requirements

There are two prizes in the Gold Raffle: a gold bar worth around 3,000 euros and a gold coin worth 500 euros. But not everyone can participate. Only members of the community who bring new users to La Plaça can participate. Registration at 11onze.cat is free and gives access to the contents and services of 11Onze.

2. What do I have to do?

It is straightforward, there are only two steps:

• The new user has to register at La Plaça.
• Once this is done, the new user has to fill in the Gold Raffle form.

It is important that the new user mentions who has recommended 11Onze. Once this is done, this person will receive a number for the Gold Raffle. If their number is chosen, the new user will win the gold coin, while the person who recommended 11Onze will win a 50-gram gold bar.

3. Exclusions

The purpose of the Gold Raffle is to open up La Plaça and encourage those who are already part of the community to bring new users in exchange for the chance to win a gold bar. Therefore, current registered users who don’t bring new members and new members who have not been recommended by an existing user can’t participate. All the information about the raffle is available here, where you can also read the legal terms and conditions.

The first Vienna Philharmonic coins with an exclusive Christmas card and a gold banknote as proof of purchase are already arriving to our customers – there’s still time to place an order for this festive season!

This year, we have come up with an original gift that will gain value over time and can be quickly converted into cash. 11Onze customers have already received the first gold coins with a Christmas card and a personalised golden ticket certifying the purchase. Think of gold if you want to give a gift for what lies ahead.

What do you receive at home?

As a buyer, you will receive an envelope with a Vienna Philharmonic gold coin, an exclusive Christmas card and a golden voucher for the gold purchase. The voucher is personalised with the value of the order, the name of the buyer and the person for whom you have made the purchase. Shipping is free for 11Onze members with an El Canut account but costs €9.99 for all other buyers.

We recommend you place your orders by December 14th if you want to receive the coin before Christmas, and by December 28th if you want to give it as a gift by the Three Wise Men. If there is a shortage of coins in stock, orders placed on 28 December will receive the voucher with the postcard for Epiphany, and the coin as soon as the stock is replenished. If you want to buy gold coins as a gift, fill in this form and an agent will contact you.

With Preciosos 11Onze you can buy gold bullion or give a gift that will last over time. For what lies ahead, give gold as a gift.

On 21 December, 11Onze will raffle a gold bar and a gold coin among all 11Onze members who have contributed new users to the community. You still have time to get a number!

Nearly 150 people have signed up at La Plaça since we launched the Gold Raffle campaign. The goal is quite simple: 11Onze members bring other people to register at 11onze.cat.

The limited number of members of the community who can participate makes this the raffle with the greatest chance of winning a prize this festive season. What’s more, we are offering a double prize, both for the user who has recommended 11Onze and for the new member. If you still don’t have your number for the draw, you only have one week left to participate. The Golden Raffle will take place on the 21st of December.

Prizes and requirements

There are two prizes in the Golden Raffle: a gold bar worth about 3,000 euros and a gold coin worth 500 euros. But not everyone can participate. Only members of the community who bring new users to La Plaça can participate. Registration at 11onze.cat is free and gives access to the contents and services of 11Onze.

What do I have to do?

It is very simple, there are only two steps:

• The new user has to register at La Plaça.
• Once this is done, the new user has to fill in this form.

It is important that the new user mentions who has recommended 11Onze. Once this is done, this person will receive a number for the Gold Raffle. If their number is chosen, the new user will win the gold coin, while the person who recommended 11Onze will win a 50-gram gold bar.

Exclusions

The purpose of the Gold Raffle is to open up La Plaça and encourage those who are already part of the community to bring new users in exchange for the chance to win a gold bar. Therefore, current registered users who don’t bring new members and new members who have not been recommended by an existing user can’t participate. All the information about the raffle is available here, where you can also read the legal terms and conditions.

This year, Preciosos 11Onze offers Europe’s most famous gold coin, the Vienna Philharmonic. For €225, buyers will receive the coin, an exclusive Christmas postcard and a gold ticket as proof of purchase. For what lies ahead, gold.

Christmas is a time to think of others and wish them well for the future. In many Catalan households, this wish translates into an envelope full of money for what lies ahead. In other words, fathers, mothers, grandfathers and grandmothers are in the habit of giving money as a gift so that it will be useful to their children or grandchildren in the future. But does this make sense right now? With rampant inflation, a falling euro and uncertainty about the future of fiat currencies, money seems less valuable and less secure a gift than it did a few years ago.

For this reason, at 11Onze we believe that this role is best served by gold. Gold is the best option if you want to give a gift that will not lose value over time and can be converted into cash quickly. For what lies ahead, give gold as a gift.

Up to now, with Preciosos 11Onze you could buy gold bullion from as little as €3,000. This year, we are also offering gold coins from €225. For 11Onze members with an El Canut account, shipping is free. For all other buyers, it costs €9.99.

How would it be delivered?

If you want to buy gold coins as a gift, you have to fill in this form and an agent will get in touch with you. Once you have done this, you will pay directly by credit card. You will receive a Christmas card and a personalised gold banknote that certifies the gold purchase. We will send it to you together with the coins.

When do you want to receive the coins?

• If you want to give them as a gift on Christmas Day, your deadline is 14th December.
• If you want to give them as a present on Epiphany, your deadline is 28 December.

The magic of Christmas

The 11Onze Golden Ticket is a direct link to the fantasy world created by Roald Dahl in the novel ‘Charlie and the Chocolate Factory’. There, children who found the golden ticket inside the chocolate bar were invited to visit the chocolate factory of the bizarre Willy Wonka. The 11Onze golden ticket cannot be used to take any children to meet the Oompa Loompa, but it will have a function that we believe is very valuable: it will ensure that they have gold for what lies ahead.

If you want to discover the best option to protect your savings, enter Preciosos 11Onze. We will help you buy at the best price the safe-haven asset par excellence: physical gold.

On 21 December, 11Onze will raffle a gold bar and a gold coin among the members of La Plaça who have recommended 11Onze to new users. This is a prize in physical gold, which will continue to increase in value. On 4 December, gold reached an all-time high of $2,100 per ounce.

Two weeks before the 11Onze Gold Raffle, gold continues to go up in value. The price of physical gold fluctuates continuously and on Monday, 4 December, it broke all historical records, rising to $2,100 per ounce. This is roughly equivalent to 68.37 euros per gram. Thus, the 50-gram gold bar that 11Onze will raffle on 21 December was worth 3,418 euros yesterday. After this peak, prices have moderated, but the evolution of the market gives good news to the participants in the Gold Raffle: the 11Onze is a prize that will go up in value.

More than 100 registrations at La Plaça

Since the announcement of the Gold Raffle just over a week ago, there have been more than a hundred new registrations at La Plaça. This means that not only is 11Onze growing fast, but also that the Gold Raflle is the raffle with the best odds of winning a prize. What are the prizes? Let’s have a look at them!

Prizes and requirements

There are two prizes in the Gold Raffle: a gold bar worth around 3,000 euros and a gold coin worth 500 euros. But not everyone can participate. Only members of the community who bring new users to La Plaça can participate. Registration at 11onze.cat is free and gives access to the contents and services of 11Onze.

What do I have to do?

It’s very simple, there are only two steps:

• The new user has to register at La Plaça.
• Once this is done, the new user has to fill in the Gold Raffle template.

In this template, it is important that the new user mentions who has recommended 11Onze to him/her. Once this is done, this person will receive a number for the Gold Raffle. And if their number is chosen, the new user will win the gold coin, while the person who recommended 11Onze will win a 50-gram gold bar.

Exclusions

The purpose of the Gold Raffle is to open up La Plaça and encourage those who are already part of the community to bring new users for the chance to win a gold bar. Therefore, it is not open to users who are already registered but don’t bring new members, nor to new members who have not been recommended by anyone else. All the information about the raffle is available here, where you can also consult the legal terms and conditions.