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<url><loc>https://www.spak.ng/fedea-warns-that-the-transition-of-mutualists-to-social-security-can-cause-inequalities-in-their-pensions/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-11-01T07:37:49+01:00</news:publication_date><news:title>Fedea warns that the transition of mutualists to Social Security can cause inequalities in their pensions</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/from-this-sunday-november-1-the-eu-will-charge-a-new-rate-of-2-euros-on-packages-from-shein-temu-and-other-platforms-that-come-from-outside-europe/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-11-01T04:37:47+01:00</news:publication_date><news:title>From this Sunday, November 1, the EU will charge a new rate of 2 euros on packages from Shein, Temu and other platforms that come from outside Europe</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/the-civil-guard-warns-of-the-new-possible-scam-can-you-get-20-euros-from-me-ill-give-you-a-bizum-now/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-11-01T02:38:09+01:00</news:publication_date><news:title>The Civil Guard warns of the new possible scam: &#8220;Can you get 20 euros from me? I&#8217;ll give you a Bizum now&#8221;</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/amor-gil-medical-expert-on-why-social-security-rejects-so-many-disabilities-9-out-of-10-requests-for-permanent-disability-are-denied-in-the-first-instance/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-11-01T01:37:38+01:00</news:publication_date><news:title>Amor Gil, medical expert, on why Social Security rejects so many disabilities: “9 out of 10 requests for permanent disability are denied in the first instance”</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/caixabank-claims-25810-89-euros-from-a-retiree-for-retiring-before-the-age-of-63-and-continuing-to-collect-the-pre-retirement-agreement-but-the-court-rejects-it-because-he-claimed-it-late/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-31T22:38:16+01:00</news:publication_date><news:title>CaixaBank claims 25,810.89 euros from a retiree for retiring before the age of 63 and continuing to collect the pre-retirement agreement, but the court rejects it because he claimed it late</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/a-community-of-neighbors-gets-the-court-to-force-an-owner-to-remove-two-enclosures-from-his-terrace-to-repair-the-humidity-on-the-floor-below/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-31T20:37:49+01:00</news:publication_date><news:title>A community of neighbors gets the court to force an owner to remove two enclosures from his terrace to repair the humidity on the floor below</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/social-security-will-increase-retirement-pensions-by-57-euros-per-month-on-average-in-2027-if-the-november-cpi-reaches-4-5-but-only-55-if-it-drops-to-4-3/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-31T19:40:21+01:00</news:publication_date><news:title>Social Security will increase retirement pensions by 57 euros per month on average in 2027 if the November CPI reaches 4.5%, but only 55 if it drops to 4.3%</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/which-supermarkets-open-on-november-1-all-saints-day-mercadona-lidl-carrefour-aldi-and-alcampo-opening-hours/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-31T17:37:39+01:00</news:publication_date><news:title>Which supermarkets open on November 1, All Saints&#8217; Day: Mercadona, Lidl, Carrefour, Aldi and Alcampo opening hours</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/the-price-of-electricity-on-sunday-november-1-plummets-but-for-15-hours-it-will-be-above-200-euros/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-31T16:37:46+01:00</news:publication_date><news:title>The price of electricity on Sunday, November 1, plummets but for 15 hours it will be above 200 euros</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/mercadona-hours-on-november-1-how-to-know-if-the-supermarket-in-my-city-is-open-on-the-all-saints-holiday/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-31T11:37:37+01:00</news:publication_date><news:title>Mercadona hours on November 1: how to know if the supermarket in my city is open on the All Saints&#8217; holiday</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/the-price-of-electricity-for-monday-october-27-2026-the-cheapest-and-most-expensive-hours/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-31T10:37:39+01:00</news:publication_date><news:title>The price of electricity for Monday, October 27, 2026: the cheapest and most expensive hours</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/the-price-of-electricity-for-wednesday-october-28-2026-the-cheapest-and-most-expensive-hours/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-31T07:37:54+01:00</news:publication_date><news:title>The price of electricity for Wednesday, October 28, 2026: the cheapest and most expensive hours</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/electricity-companies-are-obliged-to-return-money-to-their-customers-for-old-security-deposits/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-31T04:37:42+01:00</news:publication_date><news:title>Electricity companies are obliged to return money to their customers for old security deposits</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/he-delays-his-retirement-to-collect-157-euros-more-per-month-he-continues-to-act-and-social-security-demands-740-euros-but-the-court-confirms-that-the-extra-is-part-of-the-pension/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-31T01:37:38+01:00</news:publication_date><news:title>He delays his retirement to collect 157 euros more per month, he continues to act and Social Security demands 740 euros, but the court confirms that the extra is part of the pension</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/pedro-sanchez-promises-retirees-a-reform-of-the-constitution-so-that-pensions-do-not-lose-purchasing-power/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-30T22:37:49+01:00</news:publication_date><news:title>Pedro Sánchez promises retirees a reform of the Constitution so that pensions do not lose purchasing power</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/warnings-unauthorized-entities-and-other-entities/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-30T21:37:42+01:00</news:publication_date><news:title>Warnings (unauthorized entities and other entities)</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/mercedes-boils-retired-at-61-with-43-contributions-they-are-penalizing-me-with-24-of-the-pension/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-30T19:37:47+01:00</news:publication_date><news:title>Mercedes Boils, retired at 61 with 43 contributions: “They are penalizing me with 24% of the pension”</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/podcast-politics-markets-and-central-banks/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-30T18:37:41+01:00</news:publication_date><news:title>Podcast: politics, markets and central banks.</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/pensions-new-retirees-earn-1758-euros-while-self-employed-pensioners-already-retired-receive-1063-53-below-the-minimum-wage/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-30T16:37:42+01:00</news:publication_date><news:title>Pensions. New retirees earn 1,758 euros, while self-employed pensioners already retired receive 1,063.53, below the minimum wage</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/a-retiree-returns-60082-11-euros-to-social-security-for-putting-a-worker-in-his-name-to-collect-100-of-the-pension-even-though-the-restaurant-belonged-to-his-company/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-30T13:38:20+01:00</news:publication_date><news:title>A retiree returns 60,082.11 euros to Social Security for putting a worker in his name to collect 100% of the pension even though the restaurant belonged to his company</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/the-treasury-approves-a-payment-of-2090-million-euros-to-social-security-to-cover-non-contributory-pensions/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-30T10:37:38+01:00</news:publication_date><news:title>The Treasury approves a payment of 2,090 million euros to Social Security to cover non-contributory pensions</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
<url><loc>https://www.spak.ng/a-city-council-closes-access-to-the-garden-of-an-81-year-old-retiree-and-the-justice-grants-her-the-right-of-way-because-she-had-been-using-it-for-59-years/</loc><news:news><news:publication><news:name>Spak.ng</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-30T08:37:50+01:00</news:publication_date><news:title>A city council closes access to the garden of an 81-year-old retiree and the Justice grants her the right of way because she had been using it for 59 years</news:title><news:keywords></news:keywords><news:stock_tickers></news:stock_tickers></news:news></url>
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