The key to the SXXI company: "Competitive innovation" How do tax deductions help?

Image result for tax deduction In the critical dates in which we find ourselves, it is very important to understand how tax deductions for R & D & I work , since they are the ones that will allow us to deduct ourselves in Base Tax. That the company does not expect to invent blue milk or send a rocket to Mars, many times we find customers who do R + D + i and they themselves are not aware that they do it. The first step for the company is to know what it does R + D + i in order to take advantage of the battery of aid available in the national framework.

A change of trend has been observed in R & D & I incentive policies by the Spanish executive. After the debt crisis, the almost disappearing subsidies have been seen in the national aid map. By making an objective analysis, this approach is logical, since in the end a subsidy computes as a state deficit and subsequently increases the debt.

The R & D incentive policies have gone from, instead of entering money through a subsidy, not paying it thanks to the deduction associated with those expenses and this in turn has been enhanced.

There is legal coverage (based on Royal Decree 1432 ), which allows the company to obtain a legal guarantee from the Ministry of Finance, thanks to a binding report issued by the Ministry of Economy . At first there was fear for this type of deductions, since subjective facts are difficult to evaluate and thanks to this procedure the company saves the uncertainty associated with a possible inspection.
The amounts to be deducted per project (and that concept is key), are high. From 12% for Technological Innovation projects (the only country in Europe that gives priority to IT), up to an interval between 25-42% for R & D. From our experience we know that a project consists of R & D, IT and even some activities that are not R & D but that are necessary to execute the company’s purpose.

There are “extra” sections. For those companies that exclusively dedicate R & D personnel to 17% of the cost of this personnel, including Social Security Bonuses of 40% of the salary for common contingencies of people included in an R + D + i Unit . These two measures can even be complementary for companies that have the category of Innovative SME .

Imagine even having an R & D Department generating commercial value thanks to innovations made by them, but imagine that in addition that same department can benefit from this whole battery of tax aid at the same time and maximize it. It is the new concept of a 21st century company, ” Competitive innovation “. Do R & D in the most efficient way possible.

Loans from bad credit ratings

Image result for Loans for bad credit ratingsIt’s no secret that a lot of Canadians have bad credit, for a number of reasons. As a result of the economic hardship in North America, individuals with poor credit ratings were struggling to be approved for loans or credit.

Fortunately, for many, the modern financial system has removed the harsh guidelines of the past and it is no longer so difficult for those with bad credit to get a loan. There are several different types of credit and loans that are designed specifically for people who
do not have a very outstanding credit rating. First, if you have a bad credit rating, you should consider applying for a personal loan. The type of structure connected with this loan is more frequently employed by those with bad credit because these loans are designed for those
who wish to settle their financial requirements that are both urgent and personal. Personal loan is the most requested bad credit loan in Canada because the application for it is easily accessible online.

Secondly, those who have bad credit have also placed car loans in great demand. Auto loans have become really popular because of the wide range of problems they can solve. When an application is completed for a car loan, individuals who have bad credit will probably have to explain in detail why they need the loan. This loan could be used for the repair, acquisition of the car title, or even a loan to buy the car.

A car loan is very similar to a payday loan since both applications have instant delivery, and your request or request passes through the system successfully in just one or two days. Payday loans are the third most common type of loan that is structured to accommodate people with bad credit in Canada.

A payday loan is intended specifically for individuals who have bad credit, but who have some kind of job. Payday loans, like a car loan, have an extremely fast approval system, making them suitable for an individual who is in an emergency financial situation.

Lastly, there are debt consolidation loans for people who would like to collect all their debts in one account to govern them more easily. A debt consolidation loan is offered to a person who has bad credit who absolutely wants to pay off his debts and who would seek an easy and effective solution to consolidate his concerns in one place. Debt consolidation loans are very pleasant for borrowers because they often come with very competitive repayment terms.

5 Habits you must have if you are an enterprising woman

The path of entrepreneurship is full of lessons, surprises and unexpected turns. Your daily activities are what define the direction of this path, and if you manage to take control over your habits you can direct your actions towards success in a much simpler and more accurate way.

Are you ready to take the course of your career as an entrepreneur? Write down these 5 habits that make an enterprising woman a successful woman.

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Set schedules

Get up early, exercise and all those things that keep you active and motivated enter the list of those habits that build a success story.

Make a weekly schedule in which you schedule each of your activities, give yourself time to work, but also to take a break, live with your family and perform household chores. The better you organize yourself, you can optimize your time and efforts at the beginning of your new business.

Never stop investigatingImage result for investigating

Investigate, investigate and when you think you already know everything, go back to investigate. Habits of consumption, analysis of competition, trends, statistics, news, finances … everything is useful and it is never enough.

Remember that now you are the owner of a company, and no matter how small, you must be informed about everything that happens around it. In this way you can make much more accurate decisions. Learn from the experiences of other entrepreneurs, your competitors and your customers.

Keep an open mind

We all have ideals and beliefs. When it comes to entrepreneurship, we often have to change our way of thinking and be flexible about our ideas. Eye: We are not talking about going against the values ​​of your new company, we mean that you must put aside some preconceived ideas in order to make much more effective decisions.

This step follows the long process of investigation, since it does not matter how much you investigate if you are not willing to let all that information enter your system. The perfect combination is solid values, flexible mind. Take it into account.

Consider short and medium term goals

Set weekly, monthly and annual goals. But much more than that, do not lose sight of them! Take a pencil and paper, write down your goals and keep them in sight.

If you manage to focus on meeting one goal at a time, it is more likely that you will see growth and results in less time. Take care that your short-term goals connect with long-term ones. Be congruent and realistic with your times.

Be realistic in your financial projectionsRelated image

It is good to be optimistic, but we must also base our optimism on our real situation. Make numbers, record your income and control the expenses of your company. Separate them from your personal expenses.

With these numbers you can project the growth of your business, know when it is time to save and at what time it is convenient to invest. The more realistic you are, you will close the path to frustration and open the way to success.

10 practical ideas to save on your trip

Are you looking to reduce expenses in your next trips? You are reading the right article. The fact that a trip is cheap does not mean it is bad. It is about finding quality products and services at the best price. So, if you have a tight budget or just want to save, here are several savings tips that you can try on any of your trips.

1. Search for tour packages and reserve in advanceImage result for reservation

If you find an offer for a package of accommodation and transportation, do not miss the time and reserve it. It is very likely that the price increases, especially in high season. In addition, the packages that have a super price finish faster and if you leave it for the last moment, there will be no availability and, therefore, you must book your trip in another way and probably have to spend more.

Hence, the importance of making your purchases with time, although for this you should always keep abreast of prices. Bestday offers constant promotions for each season, do not waste them.

2. Travel in a group

Another option to achieve excellent savings is to travel as a group, or, since you have reached your destination, you can join other travelers with the same interests. You can access very good offers, from renting a house among all, get discounts (in transport, tickets to museums or parks) and even share expenses on food.

3. Avoid buying bottled water

This advice applies to all those small unnecessary expenses, which are due to a lack of planning. The case of bottled water is one of the most representative during travel. In general, we are very active and we consume more this liquid, then we end up buying water at higher prices.

So, always bring a bottle of water that you can fill, either in the hotel, in public drinking fountains or in establishments that allow it. Although buying a bottle of water may seem cheap, if you do it several times, it can result in a significant cost. In addition, a bottle of water is not always cheap, in some European countries, a bottle of water can cost you between 3 and 5 euros.

Image result for coupons

4. Take coupons

Before leaving the hotel, check online for discounts at restaurants or entertainment centers. It is true that, in Mexico, there are not many options as in other countries, but there are pages such as Groupon or ClickOnero, which offer coupons that can be used nationally.

5. Prepare your food

In some hotels, you can book rooms with a kitchenette and take advantage of it to prepare your food. You can go to the supermarket and prepare breakfast and a snack for lunch and eat in restaurants only once a day. If you do this, you can increase your budget for restaurants and even if you only eat there once a day, you could do it in higher places.

Another option is to book hotels with breakfast included and take advantage of it, to spend on meals out once or twice a day.

6. Eat like a local

Explore beyond the tourist area, where it is generally more expensive, look for a market or an informal position. This option is a perfect opportunity to discover new flavors, and if you have the spirit of a chef, you can add recipes to your gastronomic repertoire and show them to your friends when you return home.Image result for local bar

7. Take snacks

Since you pack, you should not forget to bring energetic bars, chocolates, nuts or other seeds. When the money is limited, you will see that they are very useful, since they can be the complement of a light meal and you will avoid running out of energy.

8. Talk to the inhabitants of the place

They will help you distinguish low-cost places and identify the experiences that you deem necessary. Ask them all you can, talking with locals can be one of the most enjoyable moments of your trip, as well as making friends, you know their way of thinking and acting. Thus, you will not be a visitor anymore, you will be part of the community.

9. Look for free entertainment activities

In many cities we can find shows of free entry, so you can surely locate an option in your destination, either in public squares, museums, galleries or other tourist attractions

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10. Stick to your budget

The easiest way to save is to create a budget because you know what and how much you can spend. Thus, you can calculate the amount destined for each detail of the trip. Stick to your budget and do not beat it or, at least, not by much. It could be a little complicated to keep track of every payment you make in your trips, that’s why there are platforms like Finerio .

Finerio is the first personal finance platform in Mexico, which allows you to link your bank cards to have all your information in one place. Download the app and create budgets for your trips. You can create specific budgets and each time you make a card expense, Finerio will register the transaction and add it to the corresponding budget, so you can see how much you have spent without doing any manual work, rather than recording your expenses in cash. In addition to everything, Finerio is totally free.

If you want to travel, applying these ideas you can reduce your budget and travel whenever you want, without the money represents an impediment. Saving on your trips can even allow you to seek new experiences, meet other people and try new flavors. The most important thing is that you enjoy the adventure. If you have more savings tips during trips, do not hesitate to share them.

Insurance Plan Insured (PPA) versus Individual Plan for Systematic Savings (PIAS) What are the differences and advantages?

Image result for insuranceThe economic recovery, with all its positive points, is showing a not-so-good face when it comes to saving. The percentage of disposable income left to Spanish households after paying their taxes is only 6.1%, which is the lowest level since the beginning of 2008 and half the average of the Eurozone (12.01% ), according to the latest statistics from the INE and Eurostat . The difference is remarkable when compared with countries such as Germany, which exceeds 17% or France where it approaches 14%.

 

All this makes it more essential to encourage savings for all types of needs: from those that are more short-term, to unforeseen or small projects, where products such as savings insurance are a great alternative or longer in the long term where retirement It is undoubtedly one of the fundamental objectives. To achieve this goal we can rely on different alternatives, among which are the Plans of Secured Insurance (PPA) and the Individual Plans of Systematic Savings (PIAS) , two options that may seem similar, but have important differences.

Differences and advantages of a PPA against a PIAS

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The PIAS were created with the fiscal reform of 2007 with the aim of promoting long-term savings and within this end, but not only, also be able to supplement pensions. While the Retirement Plans among which are the PPAs this is their sole purpose.

Although they may coincide in this objective, the differences are important, the most important, taxation. The contributions to the PPA allow to reduce the tax base of the Personal Income Tax (IRPF) with a maximum of 8,000 euros or 30% of the net income from personal work and economic activities (the lesser of both), in the PIAS does not have this fiscal benefit. In return the tax advantages of the PIAS are produced at the time of the rescue, but with an important limitation, to obtain it must be in the form of life annuity and provided that their rescue has not occurred before 5 years of the constitution of the product .

In theory, PIAS are liquid products, which can be rescued at any time, although the reality of many products is very different, since they have high cancellation fees in the first years, which can even penalize 20% of the contributions . In addition, the rescue conditions of a PPA are not as rigid. On the one hand, there are special circumstances such as long-term unemployment or serious illness, but on the other hand, since February 2018 the royal decree has been approved that allows recovering all or part of what has been saved after 10 years of contribution and which can be accessed from the year 2025. A measure that improves the liquidity and attractiveness of PPA and Pension Plans .

Another disadvantage of the PIAS is its lower flexibility when it comes to changing your investment. In the PIAS, it is not possible to transfer for another product without cost, as if it occurs in a PPA that adapts much better to our variations of circumstances.

Finally, we must not forget how they invest these products. A PIAS can be a product without risk, with guaranteed profitability, but also in another type of PIAS whose profitability is not guaranteed nor the capital or contributions you make.

On the other hand, PPAs like the one offered by Aegon guarantee you the capital so you only have to worry about making contributions to get that capital or income that guarantees your pension.

THE CDTI GIVES 300 MILLION EUROS TO THE FINANCIAL INSTRUMENT "CDTI INNOVATIVE GROWTH"

Image result for cdtiThis instrument is co-financed by the Plurirregional Operational Program of Spain 2014-2020 and is intended for LIC A, LIC and Strategic R & D projects. This will help boost and promote R & D & i activities led by companies and support the creation and consolidation of innovative companies.

The financial aid will be linked to:

  • Strategic R & D : the consolidation of activities and R & D teams with a commitment to long-term investment that guarantees the innovative capacity of the company.
  • LICAs : the acquisition of assets, both tangible and intangible, framed in an innovative project.
  • LICs : the development of innovative activities with a general character, applied and close to the market within an innovative project.

 

How to manage your mortgage during a divorce

You can divorce your partner but unfortunately you can not divorce your mortgage. And just like your partner, your mortgage will take what’s right for you. One of the most stressful issues, when you go through a breakup or divorce, is the common debt. When getting a divorce, couples will not only divide the property, but they will also divide the responsibilities. Your mortgage is usually your biggest responsibility and should be managed fairly despite the conflicts that occur at home. Your mortgage lender does not care about your arguments and relationship issues. So put your emotions aside and handle the financial problems at your fingertips.

When buying your first home and putting your two names on a mortgage, couples almost never think how they will divide it if conflicts arise and the relationship fails. If you find yourself in such a situation, this article will help you decide how to divide your mortgage fairly.

Determine the value of the house

 Determine the value of the house

Before deciding what to do with your property and how you will divide the mortgage, you and your spouse need to determine the value of your home. Your house is probably your biggest asset and your most expensive debt, which makes it very difficult to divide. A real estate agent or appraiser could provide you with a detailed assessment of your home and how much it is worth. Once you have this value, subtract the balance owing on the mortgage, and you will get the current value or amount of capital related to your home. You and your spouse remain fully liable for the mortgage unless you sell the property or choose to refinance it. If you can not choose these options, explore the others carefully as they are very limited.

solutions

 

Sell ​​the house

Image result for sell the houseThe simplest way to manage the splitting of a mortgage is to sell the house. The divorced couple should sell their property, pay the mortgage, and continue with their own separate lives. A divorce is a pretty sad period as it is. Instead of putting more energy into slowly paying off the mortgage, sell the house right away and you will not have to worry about accrued interest charges. Even if your mortgage is worth more than your house (short sale), the money from the sale of the property could be used to pay off part of the mortgage. Although a short sale may affect the credit rating of both members, it may be preferable to keep the mortgage in certain situations. Sometimes the bank will even agree to release the borrowers with the difference to be paid during the short sale. Also, do not wait until the last minute to sell your house. If you think things are not working that there is a possibility that you have to take a break or separate from your partner, make sure you give yourself enough time so that you can sell your house for the amount that wish you. If you sell in a hurry, you will not get the money you want.

refinance

refinance

Another way to split the mortgage of a divorce couple is to refinance the mortgage under the name of one of the spouses. This is a practical but expensive solution as one spouse manages to keep the house, but costs are incurred to reorganize the mortgage. Refinancing your mortgage includes paying legal fees, appraisal fees, and possibly vacation expenses from your current lender. Thus, even if the refinancing is favorable, several costs can accumulate quickly. Since divorces are quite expensive as they are, it may not be in your best interest to spend even more money on refinancing. So make sure you with the money to refinance if that’s what you plan on doing.

Know that this option is not the best for everyone. Whoever keeps the house must meet certain criteria in order to prove that he can handle the mortgage debt by himself.

  • The couple must be up to date with their mortgage payments
  • At least one spouse must have good credit and sufficient income (you can not qualify for refinancing unless you have a positive credit rating, credit history and sufficient income).
  • One spouse agrees to leave the home to another. Once again, this may not be the best solution for you because of the demanding criteria and maintenance issues. Usually, it is very difficult for a single spouse to maintain a house. If you are struggling to get home with one income, do not refinance it. Instead, ask yourself if you can afford this house with an individual income.

Keep the house with the name of both spouses on the mortgage

Keep the house with the name of both spouses on the mortgage

This option is always a possibility, but usually a last resort. If you and your spouse can not make an agreement and can not sell or refinance the house, then you could keep the house with both names on the mortgage, while one of them moves. It is also the least favorable choice because the couple will have to fully report mortgage payments and other home-related costs on any future loan or credit application. This could prevent them from receiving another mortgage, thus hindering future financial needs.

Be responsible

Even if you are going through a tragic and emotionally difficult time in your life, it is still very important to stay on top of your finances. This means keeping a positive credit rating and credit history. Make sure you make payments on time and in full to maintain a high credit rating. Be responsible for your finances during this time and you will have access to better options for splitting your mortgage.

African Safari… Experience the magical touch of unspoiled African wilderness

YOUR AFRICAN SAFARI
Reawaken your soul on an African Safari. Choose from our handpicked selection of safari options in Africa.
Fill your senses with the aromas of the African bush, listen to the roar of the lion and laugh of the hyena. Watch the exquisite stars unfold in the African sky far from city light pollution.

Sip a glass of wine beside an African hardwood fire surrounded by the unique smell that fills the air. Tuck yourself in under crispy fresh linen and let the nurturing hand of Mother Africa fill your dreams knowing that you are having a travel experience unlike any other.

WILD AND SCENIC AFRICA SAFARI
We live in Africa. Every day we breath Her air, we touch Her soil. We have trekked through Her deserts, wide open plains and tropical forests. We have crossed the mighty Zambezi and remember the faces of children who have never seen a white man. We have sat in the shade of Her majestic Baobab tree and listened to the call of the fish eagle gliding over Africa’s lakes.
We passionately love to be on an African Safari, it is an experience that touches our souls in many ways. Our handpicked selection of Safari and Tour options will give you the opportunity to experience the same.See our Classic Safari
AFRICAN SAFARIS
Botswana Fly In Safari

Namibia Wing Safari

Kenya Fly In Safari

Tanzania Fly In Safari

Mozambique Safari

 SOUTH AFRICAN SAFARIS
Kruger Park safari

South Africa Overland Safari

Wildlife Discovery Safari

Balloon safari

Elephant Back Safari

AFRICAN ADVENTURES

 South Africa Overland Explorer

 

 Kruger Park Safari

 

Coastal Explorer

 

Victoria Falls Safari

 

Nairobi Overland Safari

 

 

All of our African SafariAdventures and Tours are inclined toward the interesting and often unique fauna and flora of Africa, and for this reason we often leave the “beaten track” to explore remote areas where little or no familiar infrastructure exists.
SOUTH AFRICA TOURS

 The Great South Africa Explorer Tour The Magical Garden Route Tour

The Grand South Africa Adventure Tour

Wanderlust South Africa Platinum Tour

 

AFRICA TRAVEL

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Submit your enquiry with us and our Africa travel consultants will offer you unparalleled service and value for money when booking any form of Africa travel.

 

More about Best South Africa Tours Management Team

 

SOUTH AFRICA HOTELS – BEST VALUE FOR MONEY OPTIONS
SOUTH AFRICA AIRLINE
 
CAR RENTAL SOUTH AFRICA

 

National Accredited Member of SATSA, South Africa Tourism Services Association

SATSA symbolizes Credibility, Stability and Integrity.

 

You can have peace of mind when SATSA approves your agent.

 

Select from the following African Safari and Tour options below.

 

Botswana

 

Discover the undiscovered jewel of Africa. Botswana with her expansive game parks, intimate reserves, abundance of wildlife, in a largely undeveloped and untamed environment.

 

Cape Town South Africa

 

One of the Most beautiful and Inspirational Cities in the World.

 

South Africa Vacation

 

Monthly Scheduled Departures for Small Groups – Max 6 Guests

 

Discount Hotel, National Park, Private Lodge and Guest House Vouchers.

 

Discover the Magic of South Africa on Last Minute Vouchers at a fraction of the costs you would have paid.

 

About Us

We have Created Timeless Travel Memories for individual clients, travel agencies and tour operators around the world since 1998.

 

Thank you letter from Kathy

 

Andre,

 

Just a quick note to thank you so much for all your help arranging the accommodation and transfers for my trip to Cape Town.  I was really impressed with the reliability and friendliness of the staff who met me and drove the transfer vehicles.  Your service was excellent in the preplanning stages, and the little touches like checking about agreed departure times, ensured everything ran  smoothly.

Stellenbosh was a delightful little town to spend a few days and a perfect place for some quiet shopping and good food.

But the most charming find of all was the little Wild Mushroom Guest House.  The guest house is perfectly located in the center of Stellenbosh.  Wynand and his staff were so hospitable and the apartment decorations extremely fresh, new and cosmopolitan.  Breakfast at the Wild Mushroom has to be experienced.  It includes a spread of cold collations and hot food cooked to your order, with of course the accompaniment of a service of a variety of freshly cooked mushrooms – specialty of the Wild Mushroom Academy.  Thanks for recommending this place, I’d certainly recommend it to others.

 

Regards, Kathy