Increase the cost of auto insurance

auto insurance

However, the cost of the policy has more to do with the driver’s profile and not with the type of vehicle since 93% of the incidents has to do with the human factor. Some of the factors that insurers take into account when calculating the price of insurance:

auto insurance

The better the driving record the lower the policy. Generally, a driver with traffic violations or recurring accidents with the vehicle pays a higher premium than another with a free history of these does does. Usually, due to higher odds of vandalism, theft and accidents, urban areas tend to be more expensive for auto insurance than smaller cities, towns and rural areas. Continue reading “Increase the cost of auto insurance”

A bank forced to pay back the mortgage including Tax

saving immediately

For the first time a court in Seville has forced a bank to repay the costs of formalizing a mortgage. That is including the Tax of Documented Legal Acts a tax that represents more than 70% of the expenses to be paid by the mortgaged. The ruling considers these expenses amounting to almost 4,000 abusive.

saving immediately

According to a statement from the law firm until now the court had upheld the nullity of property registration expenses. Almost in a majority way, that of notary expenses, thanks to Supreme Court ruling. However, this ruling is a pioneer since it opens the way to the judicial claim of the tax. That being regulated by a tax regulation, is considered as acquiring the applicant of the loan, thus leaving it to the discretion of each court. However, with this ruling it is possible to get the return of this tax to the mortgaged. Continue reading “A bank forced to pay back the mortgage including Tax”

Winning ways to take advantage of your profit sharing

profit sharing

For many employees the profits go like water because they have already acquired many commitments or just this income is not enough. However, no matter how much you get for this concept, you can always take advantage of it. In this regard, Medina, Marketing Manager of Persuader, gives you some recommendations.

profit sharing

Pay your debts

There is nothing better than living without debts, it is advisable to pay them or pay a considerable amount so that your debt is reduced. The rest you can pay more easily, as the monthly payments are reduced. Continue reading “Winning ways to take advantage of your profit sharing”

The signs that indicate you are about to file for bankruptcy

bankruptcy

The insolvency law for non-traded natural persons, in force since 2012, allows people who are not traders. Who have debts in arrears, to find a definitive solution so they do not have ability to pay? Through a simple process, lasting only 60 days, Colombians who have not been able to pay their debts, can have a second chance avoid claims foreclosures auctioned of their assets. Then identify symptoms, which if they occur in the development of your personal financial life, indicate that you should avail yourself of the law of insolvency.  Have you used credit card quotas, overdrafts, or revolving credits to pay fees or other credits?

bankruptcy

Hundreds of people, who consult us, agree that before the expiration of the payment date and when you do not have the resources to do so, the first alternative they use to be the easiest is to make an advance of another credit card, or use the revolving credit quotas or overdrafts to cover overdue installments. Continue reading “The signs that indicate you are about to file for bankruptcy”

Tips to master the art of self promotion

Tips to master the art of self promotion

Some people seem to have a natural talent for talking about themselves in an attractive, easy, and completely authentic way while others cost them years of persistence and practice under the watchful eye of an executive coach to build trust. Here we share four helpful tips to master the art of self-promotion and reach your full potential.

Tips to master the art of self promotion

  1. Build your image

Style is very important now of self-promotion but there must also be a real substance behind that image as well as promotions. Therefore, you must continue to build your skills your products or services, and your career along with yourself promotion. Continue reading “Tips to master the art of self promotion”

How to prepare your business to be able to import without risks?

prepare your business

If you want to go to the international market to solve a need for a customer or bring the raw material to continue operating, this is what you need to know. Colombia remains a country with many opportunities for SMEs, especially for those businesses that are looking to be successful exploring outside their countries. Although at this time, the dollar / peso exchange rate makes import less attractive the truth is that entrepreneurs manage to cope with this situation.

prepare your business

According to the National Administrative Department of Statistics (DANE), in January 2017, US $ 3.53 billion were imported an increase of 0.3% compared to the same month of 2016, when the figure reached US $ 3,519 million. By product groups, the agricultural sector had a growth of 13.5% with imports of $ 537.9 million dollars, in manufactures imported $ 2.7 billion dollars, fuels with $ 288.3 million dollars and other products $ 3.7 million was imported. Continue reading “How to prepare your business to be able to import without risks?”

Mistreat the ATM before you withdraw money

Mistreat the ATM

Imagine that you are happily getting money out of an ATM. You play your card cheerfully enter your PIN cheerfully and enter the amount to withdraw from the cashier. Maybe everything is going well and after finishing the operation you take your card and your money without more. Or a cybercrime may have stolen your data.

Mistreat the ATM

That is what some photos show a security expert who talks about an example of a skimmer , a false hole for credit and debit cards that is responsible for recording all the information, and that works alongside small cameras that They record our PIN as we enter them. Pull a little of the skimmer to see if it is real and of course plug the introduction of the secret code. Continue reading “Mistreat the ATM before you withdraw money”

How to get money to use in your projects and ideas?

How to get money

Do not let the lack of money stop you from starting your projects there are many people willing to help you and finance it if your ideas are good. We show you several ways to get the momentum you need. Although they say that money is not everything this is the first hurdle to start a project. Many ideas do not materialize due to lack of funding many entrepreneurs stop their initiatives when the bank loan they hoped for is denied. If this is your case do not be discouraged, in this article we will show you forms of financing that you may not have known.

How to get money

First, remember that while money is important, project structuring and planning are also valuable. Having this you have already taken a step forward, do not give up because it has already made something more difficult than getting the money. In the case of business, entrepreneurs tend to get investment through entrepreneurship competitions that are usually incubators, where they give them knowledge in strategy. In return, incubators receive money or part of the shares of the companies they help to set up. Continue reading “How to get money to use in your projects and ideas?”

Violence will have access to financial services

financial services

Thanks to the alliance, the inhabitants of 233 municipalities affected by the conflict will be able to access better rural financial services adjusted to the specific characteristics required by Colombian farmers and peasants. This program is part of the portfolio of rural financial services launched by the United States Embassy in the first half of 2016 and seeks to stimulate economic growth and stabilization in territories that have been affected by the armed conflict.

financial services

Through this initiative, the government of the United States promotes the expansion of the financial services of private banks to rural municipalities that are difficult to access. At the same time, they strengthen the capacity of banks to provide loans to micro, small and medium entrepreneurs. Continue reading “Violence will have access to financial services”

Compare the performance of the aforester

Compare the performance of the aforester

The National Commission for the Retirement Savings System presented Monday a new tool with which you can compare the performance of each of the 11 Adores in the Mexican market. Thus the organization seeks to stimulate greater competition in the Retirement Savings System in addition to providing it with greater transparency. The tool called Operational Radiograph of the afore will graphically and easily display the most relevant operational information of each Retirement Fund Administrator afore said.

Compare the performance of the aforester

In this way, the more than 57 million savers will now have all the relevant operational and financial information of the Afores in a practical format that will allow them to evaluate the performance of each afore authority abounded. This after in May 2016 the first published the Financial Radiography of afore an effort now complemented by its operational counterpart the commission added. Continue reading “Compare the performance of the aforester”