Financial Tips to face this time of the end of the year

Financial Tips

The end of the year is getting closer generally, that brings us financial benefits. Some are perceptible quickly. On the other hand, there are others that are not so perceptible to our eyes and that should somehow exploit. Let us talk about financial benefits: performance bonuses, school incentives and gifts, etc. December is a great month for many, a month of abundance for some, a month for others and a month to liquidate debts. For this reason, we give you financial tips to control your finances at the end of the year.

Financial Tips

Do not get excited with the amount of money you will receive it is very easy to spend tens or hundreds of dollars on a single shopping. The best thing is that before going out to spend your bonus or your bonuses take a minute to reflect As soon as that money has cost him. How much time of his life has he invested and evaluate if it deserves to be finished quickly. Continue reading “Financial Tips to face this time of the end of the year”

Organizational behavior concepts

Organizational behavior concepts

Summary

The Organizational Behavior is a discipline that manages to gather contributions from various disciplines. That based on the behavior, psychology, anthropology, sociology, political science among others. Every time there is more evidence about the determining role of the organizational culture to achieve better levels of performance and competitiveness of companies. This has led to an increase in interest in its study. In the case of Colombia, research on the subject has not been investigated.

Organizational behavior concepts

This work is responsible for doing so from the review of studies published in indexed journals. The results show that the research on the subject is incipient. A recent survey revealed that organizational culture is essential for employees. According to this survey, the organizational culture has a great impact on the morale, productivity and satisfaction of the workers of a company for which in times of crisis such as those of the last two years. Continue reading “Organizational behavior concepts”

The sins of a MSME when requesting and obtaining a loan

obtaining a loan

It is inevitable that we think of financing to expand a business or improve operational conditions. When revenues are still nourishing the initial investment as happens in most micro, small and medium enterprises. What should be taken into account when requesting a loan? What does the business bank evaluate?  A more optimal way to request a loan is to be documented by the different communication channels of the bank about the credit offers. What defines whether or not there is ability to pay a financial obligation is its flow. It is derived from subtracting revenues from business expenses. This way we know if it is possible to cover obligations that it has and those it is requesting manager of banking.

obtaining a loan

Does body language matter?

A good attitude is reflected even in the face of the face, a casual and natural expression connotes trust, makes a conversation empathetic and complicated issues flow with greater opportunity to a good outcome. When explaining the business situation to apply for the loan, one must be honest and clear, without straining the conversation with a rigid attitude that makes it difficult for the bank’s advisor to understand the request. Continue reading “The sins of a MSME when requesting and obtaining a loan”

Lessons for entrepreneurs who start

entrepreneurs

The world needs entrepreneurs. They are the ones who are going to solve the big problems of the world. What would have happened if the Wright Brothers had not invented the plane? The Salvadoran Alfredo co-founder and CEO of Uassist ask the same question. ME the firm offers remote administrative assistance.

entrepreneurs

In June, Atanacio was part of the select list of social entrepreneur’s 170 countries invited by the US Department of State at the Global Entrepreneurship Summit (GES) in Silicon Valley. There were met the founder of Facebook, Mark Zuckerberg, LinkedIn, Reid Hoafman, Aribnb, Uber, etc. That is why Atanacio insists: the next Mark Zuckerberg or Steve Jobs will not come from the United States. The investors (of the GES) were told to be prepared that the next great thing that is invented in the world is not being done in U.S. Continue reading “Lessons for entrepreneurs who start”

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?”