Children's card Halvenok Sovcombank - What are the conditions, how to apply

Halva is a natural and healthy sweet product that is a suitable dessert and snack. It is convenient to give a treat to a child for classes or training, as it replenishes energy and stimulates brain activity, improves mood and encourages, and quickly satisfies hunger.

Due to the fact that it does not require special storage conditions, halva is practical to take on a picnic and on trips. However, this product may cause allergic reactions. Therefore, it is not recommended for children. In this article we will look at whether children can have halva. And we will find out at what age it is better to do this.

Types of halva

More than 100 types of halva are known in world cuisine. But in stores you can find only a few of them:

• Sunflower. From sunflower seeds. The most common.
• Sesame (tahini). The main ingredient is white sesame seeds, which gives the dessert a bitter taste and a grayish tint.
• Walnut. It is made from nuts: peanuts, hazelnuts, almonds, pistachios, walnuts, cashews, pecans and even coconut.
• Chocolate. The sweetest and most delicious, but, unfortunately, the most harmful to children's health.
• Combined. The composition includes several components at once, for example sesame with peanuts.

Useful qualities

The vitamin and mineral composition of halva is very beneficial for the human body. The product has a lot of anti-aging properties, which are carried by a high concentration of vitamin E in the composition, and they concern not only the appearance, but also the central nervous system, thanks to the high content of B vitamins, which help cope with depression and fight insomnia. Sweetness is good for the digestive organs and circulatory system. Thanks to the presence of vitamin D, the product helps absorb calcium, thereby strengthening bone tissue.

Halva based on seeds prevents cardiovascular diseases and cancer. The sesame product is rich in vitamin A, which promotes the production of collagen and prevents the loss of vision and human immunity. The product also contains components that stimulate oxygen metabolism, helping the body recover after heavy physical or mental stress, as well as after stressful situations and conditions. Iron contained in sesame halva stabilizes blood composition, and zinc prevents aging of skin, hair and nails. Phosphorus in sweets stabilizes brain function and has a beneficial effect on the activity of the nervous system as a whole.

The nut product has increased benefits for older people, since it reduces the likelihood of a heart attack or dementia, due to the presence of nuts, which perfectly stimulate memory and help normalize the functioning of internal organs and systems. The pistachio product is recommended for those who suffer from liver disease, as well as people with reduced sexual function, since pistachios are an effective aphrodisiac. Any halva can lower cholesterol levels and increase the speed of metabolic processes in the human body.

Composition and calorie content

The classic oriental halva includes:

• sugar and honey;
• soap root, which enhances the formation of foam and fixes it;
• solid ingredients: nuts and seeds.

The ingredients provide the finished product with nutrients:

• vitamins A, B, E;
• trace elements: iron, phosphorus, zinc, manganese, calcium;
• proteins (proteins);
• maltose (malt sugar);
• alimentary fiber;
• polyunsaturated fatty acids.

Attention! The oriental dessert has a high calorie content: about 500 kcal per 100 g. The proportion of carbohydrates (represented mainly by natural saccharides) in its composition is also high: 54 g per 100 g. Therefore, if a child is overweight, it is better to refuse halva.

Can children have halva, at what age, how much?

Natural sweets are more desirable for children's diets than store-bought confectionery - sweets or chocolate. Halva is allowed for children already in the third year of life. It contains only natural ingredients, saturates the body with minerals, and restores strength. The main thing is to choose this product correctly. Due to its high fat and sugar content, it should be given infrequently and in moderation.

Benefits for children's bodies

• Strengthens the immune system, speeds up recovery from colds.
• Improves vision and prevents rapid eye fatigue.
• Stimulates the functioning of the brain, arouses the baby’s interest in understanding the world and learning. It becomes easier for the child to bear mental stress.
• It has antioxidant properties: it actively fights free radicals, which is important for the prevention of malignant tumors.
• Strengthens muscles, increasing the endurance of a little fidget during periods of heavy physical activity and sports training.
• It has a beneficial effect on bone tissue, as it is a natural source of iron, phosphorus, and calcium.
• Thanks to B vitamins, it ensures the healthy functioning of the nervous system. Improves sleep, relieving night worries and insomnia. It has a positive effect on mood: the child smiles more often; if there are signs of depression or increased anxiety, they recede.

How does the installment plan from Sovcombank work: description

The conditions for using the card are very original. The three parties involved in the process benefit. A person submits an application for a card and waits for a response regarding approval for receiving bank plastic. The card has a certain monetary limit provided by the bank. The maximum limit amount is 350 thousand rubles. Spending is available through Sovcombank partners. When paying for goods purchased from other contractors, the installment plan will not apply. The payment amount is divided equally relative to the months of the installment plan offered by the store. Potential clients of Sovcombank are surprised why the bank is offering to use such a system without interest. At first glance, it may seem that there is no benefit. But the opinion is wrong; the financial company receives its interest from partner stores. Thanks to the created system, the bank's partners receive ready-made clients and increase their own turnover. Interest on each purchase is paid by direct partners for participating in the affiliate program and receiving each new buyer.

When and how to give

Carefully! Some parents treat their child to halva as early as 1–2 years old. Pediatricians are against this decision. Allergenic components of the product and large amounts of sugar can cause various side effects. The baby still does not cope well with chewing and swallowing, and may choke.

From what age. According to doctors, the best time for the first acquaintance with halva (sesame or peanut) is 3 years. Oriental sweetness made from sunflower seeds is introduced into the diet of children much later - from 5–6 years old. Since this product is heavy for the developing digestive system of a child.

What are the dangers of getting to know each other too early? Sunflower seeds contain heavy metals that negatively affect the nerve cells of a growing body. To avoid behavioral deviations and health problems in the future, parents should not ignore age restrictions.

How many. First, give 5–10 g. In the absence of negative reactions, gradually increase the portion to 25–30 g.

How often. Normal: 2-3 times a week, no more often. The daily presence of halva in the baby’s menu is undesirable.

What time. It is better during breakfast or afternoon snack, adding a glass of milk or cocoa to the snack.

In baby food, only natural products are allowed, which do not contain preservatives, emulsifiers, or dyes. Therefore, it is advisable for mother to learn how to prepare halva on her own.

When and how to give pumpkin seeds to children.

Green light. Cheers!

There are also sweets, the benefits of which no one doubts: honey, sweet fruits and berries, dried fruits. They are the best because they are natural. Eat them, children, for your health, but also, of course, little by little.

Dozens of books have been written about the benefits of honey. It contains an extremely useful composition of amino acids, many microelements, vitamins, glucose and fructose. All this wealth actively participates in the body’s metabolic processes and strengthens the immune system. However, despite . For all this benefit, some children are allergic to it. Therefore, be careful with honey if your child is allergic. Healthy children are given honey starting from two years old - from 1/2 to 1 teaspoon per day, and children over three years old - no more than teaspoons per day once every two days. Dried fruits are also very healthy - unlike jam, they retain almost all the properties of fresh fruits. All trace elements are safe and sound in them: calcium, iron, sodium and magnesium, as well as fiber and pectin. Plant fibers preserved in dried fruits have a beneficial effect on the intestines, and the calcium present in them is beneficial for bones, nails and hair. Dried dates are especially praised by doctors: they contain proteins, carbohydrates, iron, phosphorus, copper, manganese, magnesium, potassium, many vitamins and are very rich in calcium. The only thing is that they are much sweeter than fresh fruits, so children also need to eat them in moderation, no more; pieces per day.

Possible harm

Abuse of halva can cause the following side effects:

• gaining excess weight;
• indigestion;
• stool disorders;
• nausea;
• vomit;
• severe allergic reactions.

Contraindications in childhood:

• Diseases of the gastrointestinal tract (GIT), including pancreatitis. The restriction applies to sunflower halva. Sesame and peanut varieties can be given, but not more than 15–20 g.
• Obesity. Indulging in high-calorie oriental sweets will only worsen the child’s condition.
• Diabetes: High levels of sugar in desserts can cause a dangerous spike in blood sugar.
• Caries. The damage occurs due to the effect of sugar on tooth enamel. Sweets are an ideal environment for bacteria to multiply. You can minimize the harm by asking your child to rinse his mouth or brush his teeth after eating halva.

Safe daily intake of halva

How much halva should you eat to benefit the body and not harm it? The answer to this question can be found from leading doctors and nutrition experts.

Expert opinion: one of the best cardiologists in Israel, Herman Gandelman, advises: “In order for halva not to cause harm, it must be consumed in acceptable quantities. Since the calculated glucose load of halva is 42 units, its daily consumption should not exceed 24 g.”

Experts from the Institute of Nutrition are also of the opinion that 20–30 g of a high-calorie product daily will be absolutely safe and sufficient for an adult in terms of the amount of fat and carbohydrates for most modern people with a predominant sedentary lifestyle.

Allergy risk

If your baby is allergic, this is not the best treat option. Nuts and seeds are strong allergens that can cause negative reactions:

• The surface of the skin becomes covered with a rash that causes itching.
• The oral mucosa swells, which makes swallowing difficult and can cause choking.
• Spasms of the lungs cause attacks of allergic cough and make breathing difficult.
• From the gastrointestinal tract possible: nausea, vomiting, diarrhea, constipation.

You can alleviate the child’s condition only by eliminating the allergen. Adults need to carefully ensure that the child does not accidentally grab a piece of sweets. If this does happen, it is necessary to rinse the stomach, cleanse the intestines with an enema, and give an antihistamine and sorbent approved by an allergist.

Conditions for issuing and servicing the Halva installment card

The product is highly popular due to a well-developed strategy and conditions. Let's try to understand all the intricacies of the invented system in order to fully appreciate the benefits of using the product.

Tariff plan: real terms of installment plan

The tariff plan has the following parameters:

1. The valid installment payment period, depending on the partner store, can range from 1 to 12 months.
2. The maximum amount allowed for receiving a card limit is 350 thousand rubles.
3. The client does not overpay interest for using money within the installment period when collaborating with Sovcombank partner stores.
4. For violation of the debt payment deadline, 10% per annum will be charged.
5. In addition to the benefits described earlier, there is a chance to receive additional savings when participating in the cashback program. When paying for purchases from partners contactless with Halva using a specialized mobile application, users receive up to 6% cashback. The maximum refund amount can reach 5,000 rubles.
6. Keeping your own funds will allow you to receive a certain amount of annual interest accrued on the balance.
7. Issuing a card is free of charge.
8. Annual maintenance will not cost anything, SMS alerts will also not require additional payment.

Interest rate

According to the invented system, an interest rate exists and is credited to the Sovcombank account for the program being implemented. If you understand the invented scheme in detail, it becomes clear why plastic users do not know anything about percentages. These payments amount to about 10% and are paid to the bank by partner stores. Companies willingly cooperate with Sovcombank, paying a percentage of each product purchased by the client, paid for by Halva.

What is the grace period

Grace periods vary. The minimum installment period is 1 month. The maximum period allowed is 12 months. Each partner of the financial company selects the duration of the installment plan according to preliminary agreements. For example, the M-Video supermarket chain offers customers 4 months of payment in installments. M-Video is known for its wide selection of equipment and accessories. A user who has purchased goods in the amount of 20,000 rubles can count on making subsequent payments in the amount of 5,000 rubles monthly. Paying your debt on time will allow you to avoid overpayments and pay exactly the amount of money originally spent.

How much money is available and maximum credit limit

The minimum credit limit amount is 5 thousand rubles. The maximum amount possible to receive is 350 thousand rubles. Each client can count on completely different amounts of funds available for sale. Sovcombank employees evaluate the solvency of the person who applies and the bank makes the optimal decision on the amount of money provided. The maximum amount can theoretically be obtained, but this will require fulfilling the appropriate conditions. Unspoken rules speak of the need to have a cash account with Sovcombank. Account transactions must be carried out within 1 million rubles. There are additional conditions that must be met. According to existing user reviews, these conditions are difficult to meet.

Is early repayment possible?

Early repayment is possible. A person, if there is a corresponding desire and opportunity, can repay the debt ahead of schedule. Payment in advance helps to restore the terms of installment payment and cover the existing debt. You can pay the debt immediately; repayment is available within the grace period provided. The main rule is to avoid delays in the established payment schedule.

Tips for choosing

Fresh sweetness should be grayish (sesame is light) and dry. Various deviations from the norm are unacceptable:

• A dark coating on the surface indicates oxidation of the top layer due to long-term storage. Most likely, the product has already expired or is nearing its expiration date.
• Protruding droplets of moisture are a sign of a violation of the production technology or non-compliance with the proportions of the ingredients.
• A sticky surface and “leaking” indicate non-compliance with storage conditions. Most likely, the dessert was kept at a temperature above +18 °C in direct sunlight, which is unacceptable.
• Dark inclusions indicate the presence of unnecessary “garbage”: seed husks or nut skins.
• Excessive viscosity and a bitter taste are a signal that the halva was made from low-quality products.

What kind of card is this and from which bank?

The Halva card is a financial instrument issued to clients upon compliance with the stated conditions. Magnetic plastic is a means of making purchases under installment plans. The idea of ​​creating the card belongs to Sovcombank. The company has been implementing the developed program for a long period of time. Residents of all regions have the opportunity to profitably use the card to meet their existing needs. Familiarization with proposals from other financial organizations showed that there are a couple more similar ways to use money in installments from the bank. According to a comparative analysis of available offers, Halva is the most profitable option.

How to cook at home

Photo: Depositphotos.com. Author: dar19.30.

After spending an hour or two, mom will be able to please her kids with natural and healthy sweets, prepared with love.

Sunflower halva recipe

Ingredients:

• 2 cups shelled sunflower seeds,
• 150 ml sunflower oil,
• 1.5 cups flour,
• 200 g sugar,
• 65 ml water.

Cooking method:

1. Wash the seeds thoroughly, dry, fry in a dry frying pan with the peel, without adding oil.
2. Grind by passing through a meat grinder twice.
3. In another container (preferably enameled), heat the flour until golden brown.
4. Mix both components and mince twice more.
5. Prepare the syrup: mix water and sugar, bring to a boil and cook for 15 minutes, stirring constantly.
6. Pour sunflower oil into the prepared syrup and mix thoroughly.
7. Using vigorous movements (the syrup hardens quickly), stir in the prepared dry ingredients until a homogeneous mass is obtained.
8. Place the finished halva into molds and place in the refrigerator under a press for several hours until it hardens.

Walnut halva recipe

Ingredients:

• 400 g peanuts,
• 300 g flour,
• 200 g sugar,
• 60 ml purified water,
• a packet of vanilla sugar.

Cooking method:

1. Fry peanuts and flour in a dry frying pan (7-8 minutes) until golden caramel. With constant stirring.
2. Grind the nuts together with flour in a meat grinder, coffee grinder or powerful blender.
3. In a separate saucepan, combine water, sugar and vanilla powder.
4. Place on the fire, cook until the granulated sugar crystals are completely dissolved and the sweet mass thickens.
5. Add the peanut base to the pan and stir until smooth.
6. Transfer the mixture into a mold and place in the refrigerator under a press for 3-4 hours.

Walnut halva in Greek

The recipe is suitable for older children. You need to take:

• semolina – 1 glass;

• 50 g peeled almonds;

• half a glass of vegetable oil;

• two glasses of water;

• sugar in the amount of two glasses.

Sugar is poured into water and boiled for 10 minutes. Separately, pour semolina into boiling vegetable oil. When it is browned, syrup is poured into it. The mass must be stirred constantly. Then add the almonds and place the resulting product in a mold to cool.

Contraindications of the product and its harmful qualities

Halva is contraindicated for all those who carefully monitor their weight, since this product is high in calories. You should not eat sweets if you have diabetes, pancreatitis, obesity, problems with the digestive organs or atherosclerosis. Allergy sufferers should also be careful when consuming this product as it is made from ingredients that have a high level of allergenicity.

The daily intake of halva for an adult is only 30 grams of the product, but children under 6 years of age are not recommended to consume the product at all, since halva can damage the delicate mucous membrane of a child’s mouth or baby teeth, and it can also cause blockage of the child’s airways.