Plan the purchase of your Christmas gifts

Christmas is just around the corner, November is already starting and it is time to think about Christmas gifts, but we want to spend a lot of money on gifts to our loved ones. For this, from Zaplo, we offer you a series of tips to try to save the most in the purchase of your Christmas gifts :

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  1. Start saving for gifts in advance . The ideal is to start saving for Christmas gifts as soon as the summer ends because by the time Christmas arrives you will have a sufficient cushion of money and it will not have cost you as much as releasing all the money at once.
  2. Select the people you are going to make a Christmas present for . There are many families who do not give gifts to all the people in their families because they have very large families and therefore, they only give gifts to certain people : the couple, children, grandparents or parents. In this sense, it is necessary to be clear who you will give and so you will know how many gifts you have to do this Christmas getting to have a plan and create a budget.
  3. Establish a budget Once you know who you are going to give away for Christmas you can set a budget for each of the people . Thus, you will know if the money you have saved or how much you are going to spend comes to you.
  4. Try to buy the gifts in advance . The ideal is to buy the gifts in November and at the most the first week of December since the closer Christmas comes the higher the prices, the fewer offers there are and the more chances you have of running out of the gift you want to buy, especially if you are Fashion.
  5. Stay tuned for offers : Normally during the month of November tend to offer a series of offers both in toys and fashion or cosmetics or technology that should be exploited. Among them is Black Friday . In this way, it would be convenient to pay attention to them, buy gifts on offer and keep them safe for Christmas.
  6. Craft gifts can be a good solution to save . The important thing about gifts at Christmas is the detail of giving to the other person, of the affection you put in choosing the present not what you spend. Therefore, a quite economic and much more personal alternative is the realization of handcrafted or manual gifts . For this, all you need is to have a good idea, be a little “handyman”, have aesthetic taste and above all know very well the person for whom you will be the gift.

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Do you think that all these premises can easily be fulfilled to plan the purchase of your Christmas gifts? Tell us about your experience

 

Tips to save on Christmas dinner

 

In the blink of an eye, Christmas is here. It is a time of year of celebration, of being with the family but also of a lot of expense . Therefore, as from Zaplo we know that saving is fundamental for family economies, we offer you a series of tips to save on Christmas dinner.

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Saving at Christmas dinner is possible if you know how

  1. Plan the dinner thinking in advance what will be the menu that we will make . Sometimes agreeing to a lot of people for a menu is an arduous task. Therefore, the sooner we start to plan and close the menu we are going to have at Christmas Eve and New Year’s Eve and Christmas and New Year’s meals, the better it will be. Thus, once all the attendees agree, the menu closes and it is time to buy the ingredients.
  2. Create a realistic menu and not exaggerated . We have the tendency to create excessive Christmas menus and after that there is too much food that we do not know what to do with it. Therefore, it is better to establish a special but reasonable meal so that we do not waste money.
  3. Buy the ingredients of the menu in advance . At Christmas the typical products of the time become more expensive so it is necessary that all those foods that can be bought in advance and store and freeze (drinks, sweets, meats, fish, etc.) are made, because if we buy them in noviembres its price will be normal and freezing it we will not have lost just quality. For example, one of the most expensive products that can be bought and frozen is seafood.
  4. Buy white brands . This advice can be applied both to the Christmas purchase and to the daily one of a family. Keep in mind that buying white brands is not buying worse quality but cheaper because they do not have a brand to pay for.
  5. Use fresh seasonal products . We refer mainly to fruits and vegetables . To use this type of products will be much cheaper than if we look for another more special one but that is out of season such as strawberries, melon, etc.
  6. Offer with cider . Cider is a cheaper alternative and just as tasty as champagne or cava to toast. Keep in mind that the important thing is to provide with loved ones not with what is provided.

5 things you have to have clear before the Christmas raffle

The star themes of this Christmas are going to be the Catalan elections, Real Madrid – Barca, Bitcoin and, of course, the classic of each year: the lottery Christmas raffle held just tomorrow . Because although we all know that it is very difficult for us to touch the fat one, we do not lose the illusion. Yes?

If we want to be well informed, we can not lose sight of certain legal aspects that surround the Christmas lottery and that are of vital importance. In our opinion, these are the five things that you have to have clear before the children of San Ildefonso begin to distribute luck.

If I get the fat of the Christmas Raffle, do I have to pay taxes?

Of course yes. From January 1, 2013, all the prizes awarded by Lotteries and State Bets are taxed at the Tax Agency. Specifically 20% for amounts over 2,500 euros . This means that if you earn less than that amount, you do not have to pay taxes, but from 2,500 euros you have to pay by cash.

Example: if you get 50,000 euros, the first 2,500 euros are exempt, so you have to pay taxes 20% of the remaining 47,500 euros, that is, 9,500 euros. In this way, once your debt with the Treasury is paid, your tax-free prize will be 40,500 euros.

Where can I collect the prize?

For prizes of less than 3,000 euros, it is sufficient for you to approach any authorized point of sale of Lotteries and State Bets. There you will be able to charge it without major problem. However, if the amount is equal to or greater than that amount you must go to an authorized financial institution .

As for the deadline to collect your tenth, at most you have three months to count from the day after the draw. You better not get distracted because after this period, you lose the prize

How do the Christmas raffle holdings work?

A participation is a fraction of a tenth of the Christmas raffle, but for State Lotteries and Bets it has no validity. This means that in the event that you have a one-tenth participation and you touch you, you will not be able to collect it directly, but you will have to go to the issuer of that participation , who will be charged with collecting the tenth and then giving you your share.

If I lose the tenth or if it is very damaged can I charge it?

In the first case, you have a problem. If you realize that you have lost tenth before the draw you must file a complaint with the Civil Guard or the National Police , in which you will be asked to provide evidence that you really had that tenth, for example, a photo in which see all the information of the tenth. You must also notify the Legal Department of State Lotteries and Bets so that they stop the payment and cross your fingers so that the tenth appears.

If your problem is that the tenth is very damaged, what you have to do is go to State Lotteries with him to authenticate it. They could even send it to the Casa de la Moneda to verify its legality. If everything is correct, you will charge it without problem.

I have a shared tenth, what happens if it touches us?

Well, you should go celebrate together. And it is better that none of the graced ones should take the tenth and refuse to share it with the other because this supposes a crime of misappropriation punishable by a prison sentence of 6 months to 3 years , in addition to a fine that can reach to be important.

With respect to the taxation of the prize, the tax will be applied to each of the parties, leaving the first 2,500 euros of each of the winners exempt. For example, if you share a tenth with another person and you get 50,000 euros, each one will pay 20% of 22,500 euros, so that the net prize corresponding to each one will be 20,500 euros.

Would you dare to start a business with your partner

Many people have found in the enterprise the solution to their labor problems. The difficulty to find employment and the low salaries offered by companies has brought out the entrepreneurial vein of many people. The question we ask today in Zaplo is: would you dare to start a business with your partner? Think about it coldly. A business in common with the person you love would imply that you were with her all day, both at work and at home. You would be able?

Advantages of setting up a business as a couple

Contrary to what a priori might seem, setting up a business as a couple has more advantages than disadvantages. One of the most important of all is that from the first moment there will be trust and sincerity among the partners. Possibly there is no person in the world with whom we can talk more about you than you do with the one with whom we share a bed. In the business world, trusting and delegating to the person you have in the office next door is essential to prosper.

In addition, at an affective level, the couple spends much more time together , and that can be good for the relationship. In a world as busy as today, many couples barely see each other during the day because of work. This problem disappears when both share the same working space.

Another important advantage is the cost savings involved in setting up a business as a couple. In addition to the fact that the two people are going to work together, with the consequent saving in fuel , if they use the car for it, the costs of hiring personnel at the beginning of the company are also reduced.

When setting up a business as a couple, the ease of making decisions is also greater. However, this in turn can lead to problems if, from the start, there is no sharing of responsibilities and power according to the professional skills of each member of the couple. It is also important to clearly define whether one of the parties has a greater degree of power than the other and, with that, greater decision-making power. This way we will avoid problems in the future.

Disadvantages of undertaking as a couple

With regard to the disadvantages, undoubtedly the main one is the result of not knowing how to separate personal life from professional life . If we start as a couple we can not take home work problems . This is quite complicated, but basic to keep the relationship as well as the business relationship in good health.

In this same sense, many partner businesses end up mixing the economy of their own business with the family economy , so that there is no clear delimitation on what the family’s finances are and what those of the company itself.

On the other hand, it is quite frequent that the couples who undertake together, when they have a personal bad spell with each other, transfer this problem to the company. If you have had a bad night with your partner because of an argument, it will be difficult to put an end to that bad feeling first thing in the morning to start working together, and this is not good for the company. If a divorce or separation also occurs, keeping the business afloat becomes even more complicated.

10 tips so you do not ruin your business

 

Entrepreneurship is not a path of roses. On the way you will find traps, stones and problems, many problems. Being your own boss and at the same time your most precious worker will not be easy . With the passage of time you will realize that it is very difficult to carry the responsibility of maintaining a business in positive numbers.

But calm, we do not want to overwhelm you and yes find solutions. You can get everything you propose with your business if you put into practice these 10 tips to not ruin it.

If you do not want to ruin your business, follow these tips

1º. Have willpower.

Self-discipline is fundamental in the business world. Create good work habits, force yourself to grow as an entrepreneur every day and do not give up before the problems that arise. Because you have something always present: there will be difficult times and you will have to leave them without help.

2º. Be positive.

Do not think that the most apocalyptic scenario possible can come true. When there are downs , there will be, afrones with a strong and positive mentality . Negative thoughts will only serve to block you and prevent you from advancing as you should.

3º. Have a spirit of sacrifice.

In the beginning you will have to give up many things if you want your company to be successful . You may not be able to attend that important football game for your child or you may have to sleep less than usual for a couple of years, but do not forget that behind every sacrifice there is always a great success.

4th No procrastines.

In the day to day will arise a lot of tasks that you do not want to do and that you will try to postpone indefinitely in time. No procrastins, dear entrepreneur . If you have to do something, how much sooner do it much better. Free yourself from the burden of leaving half tasks.

5th Keep it real.

Your goals must be real. If you want to invoice six figures, before you will have to invoice five, and before four, and before …. 1 euro? Go little by little and consider only the objectives that you can really reach . Do not get on the back of a multicolored unicorn if you do not want the fall to be anthological.

6th. Organize your time correctly.

You should set a start time and an end time for your workday , and try to respect them as much as possible. Your time is gold and you must learn to manage it optimally. Do not waste time on the banal and focus on what really needs your attention. When necessary, delegate.

7th Critify yourself in front of the mirror.

Park your ego and have a critical spirit with yourself. You are not perfect, nor do you need to, so if you do something wrong, acknowledge it and find how to solve it . The big entrepreneurs are the ones who manage to learn from their own mistakes before. The ego is evil, do not fall into its clutches.

8th Be humble.

Not only must you learn to criticize yourself, but also to fit the criticisms that others make about you or your business . The feedback from your friends, customers or suppliers will be essential for the optimal progression of your company. Without feedback there is no direction and without direction there is no future.

9th Learn to sell.

Bring out the commercial spirit that is inside you. You have to lose the fear and the shame to sell to strangers . Do you know any company that works without selling? Sales are everything in business. Overcome the famous impostor syndrome and sell that unique service that only you can offer.

10th Do networking

Connect with other entrepreneurs and with other professionals in your sector. From them you can learn and gain valuable experiences . You can not imagine how important it is for your business that you are in the right circles. Social networks will make this task much easier and Facebook groups are a good place to start looking.

Indexed funds: this is the investment preferred by Warren Buffet

Once you manage to spend less money than you enter , you save. And if you prolong the savings over time, you can invest with guarantees . Investment is one of the easiest ways to make your money work for you by generating a month-to-month income. There are many investment products in the market (including index funds) that, in general, can be classified as active management and passive management products .

We speak of active management when a manager or adviser draws up an investment portfolio based on a series of criteria, such as the risk that the investor wants to assume or the time frame of the investment. The result of the fund will depend on the skill of the professional who has made it and we expect that the return obtained by your fund is higher than the market average, in our case the IBEX35 .

Meanwhile, with the passive management funds there is no human intervention when it comes to making it, but rather they replicate to their reference index, for example, to the IBEX35. Managers only have to adjust the fund according to the companies that enter and leave the IBEX and the weight of each in the index.

What are index funds?

Indexed funds are one of the star products of passive management and, according to Warren Buffet – the third richest person in the world and, for many, the best investor of the century – the safest and most profitable option to invest in the stock market .

Like any passive management product, the main characteristic of an indexed fund is that it replicates the evolution of a stock index , so it obtains the same performance as its reference index. There are many studies that suggest that this type of investment offers greater long-term profitability than active management funds.

Advantages of index funds

Indexed funds have some advantages over active management funds that make them very attractive to investors. These are the main ones :

  1. They have lower costs , so it is cheaper to invest in them
  2. They get better results . Due to the lower costs since there is no direct human management behind them, the performance of these funds is higher.
  3. They allow you to diversify your investment portfolio without too many complications, since they replicate stock indices that are already diversified.
  4. They have tax advantages when making transfers, although in this they do not differ much with respect to the funds of active management.
  5. You can use roboadvisors to manage them if you do not have investment knowledge.

In spite of all these advantages, it must be clear that as an investment fund, it has specific associated risks that you should know about . The main one is that the market experiences phases of ups and downs, so it is impossible to know for sure what will happen, although this should not worry too much if your investment is long term. However, it is almost impossible for an indexed fund in the long term to be unprofitable, since the logical tendency of any stock index is to grow in value as the years pass.

Know how to finance a car – Immediate loans

Know how to finance a car

Sepa cómo financiar un coche 300x200 Are you thinking about getting a new sweet ride lately? You’re not alone. The car industry in Spain had its year of highest sales recorded during 2016, that year they sold 11% more in cars than during the year 2015.

<img style="padding: 10px; float: left;" src="data/article24316_images/article_24316_0.jpg" alt="Sepa c&oacute;mo financiar un coche 300x200" /> Are you thinking about getting a new sweet ride lately? You

Some of the reasons for the boom are fairly easy to identify, such as a recovering economy, low oil prices and a large amount of repressed demand as people finally replace the old cars they have been caring for during the crisis in previous years. But the biggest hidden factor is, trust. People who are pretty sure they will have a job in the future are willing to take on some debts to get a new car.

To find a car loan that does not cost a pump, compare all financing options before entering the car’s display yard. Optionally, if it is your case, find out about the loans for used cars .

With this in mind, follow these basic points to know how to finance a car:

Bank loans

Bank loans

Banks and credit unions offer pre-approved loans that let you know in advance how much you can borrow. If you already have a loan, it may be possible to change it to include financing for a car .

Extend a mortgage

 

Homeowners can extend their mortgage or use a “revolving credit” loan. This is a way to borrow a car at the mortgage interest rate, which is probably lower than other loan rates. But if we add the cost of a car to a mortgage and we do not pay it for many years, it will end up costing much more in the general interest than in comparison with the payment of a car loan in one or two years.

Therefore, by following this route, it is smart to increase mortgage payments to settle the car’s debt as quickly as possible. We do not want to end up paying for an old car while trying to pay for a new one!

Loans of financial companies

 

Car dealers often offer loans that are actually provided by a financial company. The dealer will often sign us up for a car loan as part of the purchase process.

Find the best interest rate

Find the best interest rate

The interest rates on car loans can vary widely, so we should compare prices. Agreeing an “insured” car loan usually means a lower interest rate. This means that if we do not comply with the payments, the lender can sell the car to recover the money owed.

If we have an existing relationship with a lender, it is often easier to access cheaper loans. For example, a credit union could offer loans for cars with better conditions for its current members.

Checking fees and charges

Checking fees and charges

There are always fees and charges involved when getting a car loan. The documents provided by the lender must show them clearly.
Expect to pay a loan establishment fee. Some lenders may encourage insurance or optional guarantees. All these will be added to the total amount borrowed.

Help always ask the lender to communicate all fees and charges during the entire repayment period. They must reveal a unique dollar amount of what the loan will cost. Compare the charges and fees with the price of the car. It may be that the charges exceed the interest you would pay in a different type of loan.

Loan repayment insurance

Loan repayment insurance

Some lenders offer loan payment insurance. This usually means that, if the borrower dies, the insurer pays the lender the full amount owed. These policies also cover loss of income, such as accident, illness or dismissal, so reimbursements are made for a period of time specified in the policy.

The reimbursement insurance premium can be expensive and not always easy to see in the loan contract. If the premium is added to the loan, you will pay interest on the premium and the car loan.

Check offers offered by as many lenders as possible, including banks and credit unions. By law, a lender can only charge reasonable fees, and you must also submit a disclosure statement that details all the terms of the loan. This should happen before signing, or within five business days after signing.

Request a copy of this statement and read it carefully before agreeing to any agreement. If the statement is difficult to understand, ask questions and a budget consultant can help you get answers. Also calculate the total interest on the loan, or even in the car review : use the loan calculator ordered to do this.

Take the time to decide. A hasty decision can be costly when borrowing money. Many of us overestimate the amount of debt we can carry.

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Microloans in Spain – Immediate loans

Microloans in Spain

Los micropréstamos en España 300x200 Surely on more than one occasion you have heard about the microloans in Spain, which are very helpful to solve any type of emergency that happens to customers, in addition to being one of the best forms of financing for any type of project that you have in mind and require cash money urgently, as they are fast personal online credits, with which the application process can be done in a few minutes.

It is precisely for this reason that these mini credits instantly do not require more documentation to start with the paperwork and make the disbursement, this is because it does not require the submission of part of the users of a guarantee to be able to repay the debt, as well as not presenting the payroll for which they work, since these two elements are not always available and makes the request for a loan or loan online in Spain a bit complicated.

What is the association of microloans in Spain

As in all parts of the world, there are associations that are dedicated to the regulation of microloans and Spain cannot be the exception, since the flow of personal loans that are handled in the country is quite high.

So in general terms it is a fully professional association whose main mission is to group all the companies in the sector of fast loans that are installed in the country, this with the sole purpose of ensuring the protection of the industry and Of course, of all the clients that request the service, that way you can fully trust each time you have the need to request an online personal loan urgently.

It is thanks to the Spanish association of microloans that new scenarios have been generated that offer great advantages to customers who request fast personal loans online, since they have tried to have alternative financing methods, within them the main one is offered by the Internet, since it generates comfort and stability for people who need it, since all the technology found in this sector is the highest that can be had, which has greatly motivated companies that have dedicated for many years to the part of personal loans.

The best thing of all is that it has been the industry itself that has agreed to partner, this to be able to self-regulate everything necessary to good practices that are part of the protection of customers, that way you will have greater satisfaction of part of the users who have requested mini-credits online.

The code of ethics of the microloan association in Spain

Thanks to the union and solidification that has been had in the last years of the association of microloans in Spain , they have managed to have a great amount of important advances, among which is the most important that is the code of ethics, the which also has as its main mission to protect customers at all times.

Among the main features that it has for fast personal online loans is for example that it is the solvency assessment of customers, this does not grant personal loans to customers who do not have the economic capacity, since only they will create a bigger problem.

Also to have advertising and marketing policies, this so that what customers are going to have is actually offered, also about the recovery of debts, treatment of customers who have complicated economic difficulties.

But among the most important issues is undoubtedly that of the protection of personal data, since having personal information should not be the reason for its commercialization in any way, so customers can be sure on that subject.

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What is the difference between loans and loans – Money24

What is the difference between loans and loans

difference between loans and loans It is almost a fact that many times you have heard about credits and loans and believe that these are two products that are really the same, especially for all those users who need urgent money without papers, as they tend to confuse both terms , but do not worry today we will know a little more about what is the essential difference between the two.

It should be noted that the vast majority of people believe that a loan is the same as a new loan, since even the advisors also tend to confuse their same clientele, making them see that both are the same, but they are totally different financial products, as well It is very important to start with the concepts that each of them has to have a clear idea of each of them in order to know what the differences are.

Difference between credits and loans

The concept of loan

It is very important to know before what operations are treated individually to differentiate them, so the loan is one in which an entity that can be a bank loan or individual staff delivers a certain amount of money in a fixed manner to another entity or individual person.

It states that you must have an agreement between the parties where the beneficiary will be responsible for returning the amount of money plus interest and commissions that are generated within a certain period of time. Said amortization is made on a monthly basis in most cases, that is to say, they are quotas that are pre-fixed or it can be only a payment at the end of the time stipulated. Two of the most common immediate loans are personal loans and mortgages, the first of which is when a person can pay a large amount of a good, such as a car, while in the second it is to have access to a home, that is to say, that their destinations are very well defined.

The concept of credit

When a person needs urgent money without papers he goes to a credit, so before being able to request it, he must know the concept of this financial product, so it is an amount of money that has a fixed limit that an entity in The vast majority of cases banks make available to a customer that can be a company or also someone particular.

It should be noted that the great difference between both products is that unlike the loan in this is not delivered all the amount of cash to the customer if it can not be used moderately and according to all the needs of people, all during a period that is also limited.

Two of the clear examples that can be had of this product are the credit cards and the bank accounts, in which both have a fixed amount of money, but that will not use immediately the whole, in addition, it can be paid month a month an exact amount of money.

The differences between credit and loan

If your person is in the dilemma of … I need urgent money without papers , one of the best options without a doubt is the credits, since they can get the money without much formality, since one of the big differences that exist with the loans, for example, is that the term for which it was granted can be renewed, extended and even the same can be automatic. For example, if the client returns part of the loan, he/she will be able to count on that amount again, while in the loan the necessary amount will have to be returned.

On the other hand, it is found that there are very marked differences between interest rates since interest on loans is much higher than loans, so everything will depend on the needs of each client.

 

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The importance of checking the credit in the companies with which you do business – Immediate loans

The importance of checking the credit in the companies with which you do business

La importancia de verificar el crédito en las empresas con las que hace negocios 300x200 Unfortunately, business-to-business fraud is a big problem that could cost your small business a lot of money. That is why it is important to verify the credit in the companies with which you do business.

 

Business to business fraud

We are used to hearing stories about scammed consumers, but how often do we hear that companies defraud other companies? Business to business fraud is a multi-million dollar problem per year for companies in Spain. This is reflected in money laundering, social security or embezzlement.

But even if fraud is not part of this equation, consulting another company’s credit report is an important tool that should be used when you extend the terms to another company or make a large sale before charging the full payment in advance. As a small business owner, your success depends on the ability of customers to pay their bills on time. If your customers can not pay their bills on time, keeping your cash flow at consistently healthy levels becomes difficult, and eventually can force you to sink.

 

Verifying the credit of the company

  • Recent financial disasters have shown that sometimes they are the biggest and most attractive companies that end up collapsing and demolishing everyone with them. No matter how good you think your relationship with a potential business partner is, you should always keep in mind that what you see abroad is what you want to see. Your credit history may reveal a different image.
  • If you are convinced that you need to perform a credit check on any company you are considering doing business with, it is best to track detailed credit information on up to five different businesses at a time. (Obtaining a single business credit report in another business has a cost for companies that provide support in accounting and finance). It is very good can be a good option to not take risks.
  • A business credit score provides a quick summary of the information in your business credit reports. Specifically, a business credit score assesses your company’s ability to make payments on time. The information used to calculate your business credit score includes public and private information that your suppliers, lenders and more can see.
  • Before you start, if you want to verify the credit score of the other company with which you are going to do business, and obtain a summary of commercial credit, you can do so with a business advisory company. They also offer access to credit reports, scores, monitoring and protection against fraud for a monthly fee.
  • Surely you must ask yourself, how do banks do before extending credit to their customers? Before banks extend the credit, they check the credit history of the prospective borrower and the ability to pay, among other things.
  • Every company that requests credit must complete a credit application that includes basic information, such as address, contact information and tax identification number, as well as references of other companies that have given them credit. A business is unlikely to list a contact that says something negative, but if the company has trouble finding three or four good references, it could be a red flag.
  • Verify publicly available information. The company’s social networks, the press releases section on its website and the information available through a simple search engine can help you determine if the company is having problems that may affect your ability to pay. Companies that are listed on the stock exchange must also submit regular reports full of facts about the state of the business with the Securities and Exchange Commission. These are generally available on the company’s website or through the state regulatory superintendencies.
  • Use credit assessment tools. The business credit assessment tools provide different information at variable costs, and include monitoring reports. Gathering information about clients ‘cash flow is not something that is done at the beginning of a relationship; monitoring problems that could affect your customers’ ability to pay can help you avoid disaster.

Final notes

Growing a successful small business involves taking precautions and risks. Controlling the credit of the companies with which you do business is one more step to make your story happy. And remember that optionally you can always get urgent loans without endorsement .

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