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.

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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.