- Written by: Wlak
- Category: Uncategorized
- Published: September 28, 2018
Today we carry a frenetic pace of life. Between work and the increasing offer of leisure, we spend the day running from one side to another and it is very difficult to find a minute to tie loose ends.
In 2014, El Confidencial published this article on this same topic. Not so many years ago it was always predicted that in the future working hours would be reduced and we would enjoy much more free time and vacations.
We are witnesses of innumerable technological advances created to automate repetitive tasks and save time, and yet we seem to be busier than ever.
How to achieve results?
Imagine that the parents of your couple come to visit the next weekend and that it is the first time that they are going to see the apartment to which you have recently moved.
You’ve been wanting to move the moving boxes in the spare room for months and turn it into a guest room. But unfortunately, you have not had time or money.
At that point, with a deadline to transform the room, you decide that an urgent loan is what you could lend a hand.
When your bank does not help
The next day, you decide to visit your bank to inform them of the options. After circling around because you can not find parking, you enter the office and sit down to wait. 30 minutes later, your advisor makes you pass.
After 20 minutes deciding which quick loan suits you the most, they ask you for a copy of your work contracts, as well as for your last declarations of income.
Unfortunately, not only do you not have those documents on you, but you probably are not at home either. So, at this point, and after more than an hour at the bank, you have to go back home, look for the documents or ask for copies and, at some point in the future, start the process again.
The parents of your partner arrive only in three days, there has to be a simpler option. So that’s it.
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The Government of La Rioja, through the ADER, and Iberaval will offer more advantageous loans wholefoodsmagazineonline.com/columns/vitamin-connection/getting-tax-assist-from-the-irs-when-you-cannot-pay-your-taxes-arrive-tax-day to companies, with direct financing to companies for investments and working capital, through the European Investment Bank.
Specifically, as indicated this morning by the President of the Riojan Government, Pedro Sanz, and the Iberaval Reciprocal Guarantee Society, José Rolando Álvarez, the companies will have 35 million euros, an amount left over from the 50 million that the EIB granted to the community for it.
In this case, Sanz has specified that more 1.25 points will be granted with a loan from Euribor, which will be offered directly from the ADER and will have Iberaval’s endorsement. Previously, Euribor was offered plus 3.75 points.
For this, and as indicated by Sanz will be published in the coming weeks a call for loans to be presented by companies that need funding. As a requirement, the company must provide, together with the loan application, the approval of a guarantee that, thanks to the collaboration it has with the Riojan Executive, Iberaval offers to grant.
The Riojan president recalled that, so far, the cooperation between the two institutions has allowed injecting 26 million euros to Rioja SMEs in a total of 428 loan operations, including financial guarantees and technical guarantees.
In his speech, the president of Rioja has stressed that the Government of La Rioja is aware of the importance of access to finance for companies. “That is why in 2008 we launched a package of financial support measures that we have been completing over the years, and now this new measure is added in. The objective is that financing is not an obstacle for companies that are in a position to invest can do it “.
So far, the tools to improve the financing of companies launched by the Government of La Rioja since 2008 have made possible an investment of 296 million euros through close to 1,500 operations.
In addition, the President of the Rioja Executive has indicated that “we are at a key moment, or change of economic cycle.” BBVA growth forecasts place us with increases in Rioja GDP of 2.9 percent for 2015 and 3, 2 percent for 2016. The number of projects (34.6 percent) and the investment presented (105 percent) to the fixed assets line of the ADER have also increased this past year. set the economic recovery with new policies that make us move towards a model that obtains greater added value and promotes the generation of employment “.
“In this context, this new financial measure, of a novel nature, is framed, which means that the ADER can grant loans directly to companies,” said Pedro Sanz, who thanked Iberaval for his collaboration, which is in addition to this initiative. through the granting of guarantees, a necessary requirement that companies must meet in order to be eligible for this financing that offers advantageous conditions to companies.
This new measure will serve to finance, under advantageous conditions, two different lines of loans: business investment projects and operations for cash and business liquidity.
The interest rate on these loans will be Euribor plus 1.25%, which makes it a very attractive product for companies. The loan may be up to one hundred percent of the investment, the minimum amount will be 50,000 euros and the maximum of up to 2 million euros.
Also, the minimum term of the loan will be 2 years and may reach 5 in working capital and 12 when they are investment projects, explained Rolando Perez, who recalled that thanks to the endorsement of the Society “are maintained in La Rioja 2,500 jobs “.
The collaboration of the government of Rioja and iberaval.
The Government of La Rioja, through the ADER, participates in Iberaval as a protective partner, together with the Chamber of Commerce and Industry of La Rioja and the FER, with the objective of providing La Rioja companies with access to financing in the better conditions. In addition to the protection partners, Iberaval has participating partners, which are the SMEs and self-employed people of La Rioja who have obtained financing with Iberaval and who maintain their support for the entity.
So far, 428 operations have been formalized (273 financial guarantees and 155 technicians), which allow this reciprocal guarantee company to currently have a live risk of 14.6 million euros, 16 percent more than at the end of 2013
In 2014 alone, 144 dossiers were formalized for a value of 6.6 million euros, of which 69 were financial, amounting to 5 million euros, while the remaining 75 were technical, for 1.6 million euros.
Regarding the contribution to employment, the financial support of Iberaval, a company that continues to grow with double digits and has just absorbed Transvaal, a guarantor entity for the transport sector throughout Spain, has served to create or maintain more than 2,500 jobs in La Rioja.
In addition, 2014 served Iberaval -which is headquartered in Logroño, on Calle Hermanos Moroy, 1, but which provides service throughout the autonomous community- to surpass the 500 thousand members, which brings to more than a hundred the number of associates of annual average in its first five years of presence in La Rioja.
Among the benefits that Iberaval brings to the Rioja SMEs are: improving their negotiating capacity with financial institutions; lower the financial costs of companies; lengthen the terms of financing; facilitate access to public bidding through technical bonds; complement its lack of equity solvency against the financing market; receive advice and financial information and, in addition, for the entrepreneur, integration into a business network.
Areas Financial Corporation is the 22nd largest bank in the United States as well as the 10th largest U. S i9000. based bank with more than $137 billion in possessions. It provides retail and industrial banking, trust, securities broker agent, mortgage and insurance services and products.
But blogs possess a deeper marketing significance, one which is so powerful that weblogs have actually become important business weapons in the world of e-cash in e-commerce.
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Observe how easy it is? If you want to generate a little extra money before Xmas, you should look into teen online surveys. You can check your favorite search engine, or even check a large forum, and you ought to find exactly what you need. In case you start now, you will get your money within plenty of time before the holidays.
- Written by: Wlak
- Category: Uncategorized
- Published: November 7, 2017
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These are very intelligent individuals — people who have advanced academic degrees and high-paying careers. Just because you are an expert in a single field doesn’t mean you may not be taken advantage of in the finance industry.
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