Seeing yellow: The high-vis tax protests rocking France

Seeing yellow: The high-vis tax protests rocking France

 

Who are the ‘yellow vests’?

Hundreds of thousands of protesters have taken part in

They have been highly disruptive and, unsurprisingly given their common clothing of choice, highly visible across France.

Their movement grew from anger at hikes in car fuel taxes, and with driver discontent at its heart, demonstrators adopted a name and an attire associated with every car in the country – the yellow vest or “gilet jaune” – a mandatory safety requirement in all French vehicles.

However, the protests quickly morphed into a wider movement of frustration at high taxes and living costs and mounting public dissatisfaction with President Emmanuel Macron.

Taking to the streets

Police used tear gas and water cannons to disperse "yellow vest"&squot; protesters on the Champs-Élysées on 24 November

The so-called “yellow vest” protests have seen hundreds of thousands taking to the streets, mounting roadblocks and making their presence felt on motorways and in towns and cities across France.

Since the first protests on 17 November, many of these mobilisations have passed off peacefully.

However, there have been sometimes violent confrontations, with motorists frustrated at traffic disruption as well as police.

Two people died and more than 600 were injured in the first two weeks of protests.

Paris witnessed some of the most violent clashes. On the second Saturday of protests, riot police fired tear gas and water cannon at some of the 5,000 “yellow vest” protesters gathered on the Champs-Élysées, while a number of demonstrators could be seen throwing paving stones and barricades.

A social media movement

France has a long history of mass protest movements on everything from farm payments, to the retirement age, to same-sex marriage.

What is new about the “yellow vests” is that this movement has been largely organised via social media, with no clear leader, structure or affiliation.

Facebook posts complaining about hikes in car fuel taxes effectively snowballed into street protests.

This stands in sharp contrast with mass French protests of the past, which were usually managed by a trade union, political party or particular interest group.

However, there have been efforts to introduce some kind of leadership structure to the movement and to set out its goals.

An eight member negotiating committee was appointed for example, but almost immediately, some within the movement refused to recognise its legitimacy.

A broad church

Unusual too is the way in which this movement spans the political spectrum, from the far-left to the far-right, and in the middle, frustrated commuters and even former supporters of an increasingly unpopular French president.

From the beginning “yellow vests” secured broad public support.

Before the first road was blocked, one survey found 73% approved of the impending protests.

A week and a half in, after widespread disruption and some violent scenes, another survey put support at two out of three people.

The government and police blamed far-right groups for the violent clashes witnessed in Paris on 24 September.

However, the Macron administration has been cautioned against characterising the “yellow vests” as an “extremist movement”.

For example in a letter published on 27 November in L’Opinion, 12 of 13 presidents of France’s regional councils said such a move would be a “serious mistake” and that the protests were instead indicative of widespread anger.

Going green and seeing yellow

Spiralling fuel costs were undoubtedly the spark that ignited the “yellow vest” movement.

In the past 12 months, the price of diesel, which is the most commonly used car fuel in France, rose by around 23%, while petrol increased by 15%.

Over roughly the same period Irish motorists saw diesel prices go up by 15% and petrol by almost 10%. Consumers in both countries are now paying around the same at the pumps.

The increases can in part be attributed to the rise in global oil prices this year, though these have fallen back again.

In France they also coincided with hikes in carbon taxes on fuels as part of the government’s effort to encourage drivers to switch to cleaner cars and fuels, 7.6 cents a litre on diesel, and 3.9 cents a litre on diesel.

And the new year promises further fuel tax hikes in France, with diesel due to go up by 6.5 cents a litre, and petrol by 2.9 cents a litre, from January.

Anger at these hikes is being felt most keenly by those living outside of big cities well served by public transport; those living in villages or commuter towns who are heavily reliant on their cars.

The government’s response

In advance of the protests, Mr Macron had little sympathy for those calling on him to row back on January’s planned hikes.

He said that “people complaining about rising fuel prices are the same ones who complain about pollution and how their children suffer”.

However, ten days after the first roadblocks went up, the French president used a speech on the country’s future energy strategy to strike a more conciliatory tone.

While critical of those he described as “rioters”, Mr Macron said there were also “citizens who want to convey a message”.

“We should listen to the social alarm and protests, but there is also an environmental alarm,” he added.

The president did not bow to calls to reverse impending car fuel tax hikes, instead he suggested the controversial car fuel tax could be adjusted should oil prices go up, and pledged to carry out a three-month public consultation process on achieving a low-carbon economy without penalising low-income families.

Where to next for the ‘gilets jaunes’?

 

The president’s promises have done little to assuage the anger of “yellow vests” protesters and more demonstrations are planned.

However, the longevity of this leaderless movement depends on whether it can maintain its momentum and avoid splitting into various factions, and if its popularity with the public will endure.

  •  

Bankroll management is not exclusive to cash

Image result for bankroll managementThe bankroll is the money we have dedicated to poker. They have a lot of personal finances, so they really do not know if they win or lose because they do not keep track of their accounts. If you want to have your accounts separated from your personal accounts.

“But I play only tournaments, and should I also have a separate bank?”

 

 

Bankroll management is not exclusive to cash

The bankroll

The bankrolls and the bankrolls are higher than recommended by the bank. Unless you can enter money other than poker.

But you are a poker fan. You have another source of income. If you lose the money, you can enter into the bank. I know you do not care much if you have the necessary bankroll or not. You just look at the tournaments you want to play, you pay them and something else.

It is very acceptable, and it has many people for whom poker is a hobby. € 100 tournament; just one day they go to dinner or another to the cinema; they sign up and see what happens.

But if you think it’s better to take poker more seriously, you have to keep track of the money you’ve spent playing. You have to be professional, increasing your banking and playing higher levels.

 

Tournaments and banking

It is not necessary to explain what is a tournament.

When you dedicated yourself to playing tournaments exclusively, you should also have an amount of money dedicated to play and limit yourself to that budget.

When you play tournaments, you have to realize that the swings of your bank are going to be much bigger than in the cash. You can shoot many tournaments without entering prizes, if you are not big enough, you will run out of money to play poker. Little by little, but suddenly, in a massive tournament, you are among the first three and multiply by five your bank. More give you the peace of mind to keep you going to the next level.

Image result for bankroll management

Bankroll needed

You should have a bankroll at a hundred times the buy in of the tournaments you play. If you dedicate yourself to playing € 1 tournaments, you are worth € 100 in your bank. If you want to play € 100 tournaments, you should have at least € 10,000 available. This tournament does not mean that you can play tournaments of that level.

888poker.es, you can have it in your bank, in the bank or in the bank, the important thing is that you keep the accounts and know how much money is in your bank which have been the movements of this.

 

Level of game

The level of the rivals. There will be the same players in € 1 tournament as in € 100 tournament. Limit yourself to the tournaments in which you can defend yourself. If you decide to start with € 10,000 bank, start playing tournaments under € 5. Yes, you are right that your bank gives you to play € 100 tournaments, the same until you want to throw yourself to the Great Sunday, but the correct thing is that you manage your bank, you do not play it because you have the necessary level.

Everything you have just read about the bankroll implies that you are won at the levels you play. In the event you play at a level above your knowledge, no matter what bank you have in the end you will run out of money sooner or later.

 

Summary

Tournament banking is as important as cash. Respect your bankroll, do not play tournaments that you can not afford. Do not leave your future in the hands of luck. If you respect your bank, you can play better and better tournaments.

They will not be the same as they will be If you play outside of banking, you will probably be out of game.

Play within your bank and your level and eliminate any chance of losing your bankroll.

And if you play online you have an important advantage, having a very low entry tournament at any time. Prepare the budget you want to play poker, enter it at 888poker.es and start playing in the tournaments that suit your bank and your knowledge.

Nissan boss on €15 million a year fired for financial misconduct.

Nissan boss on € 15 million a year fired for financial misconduct.

Carlos Gohn’s salary was officially € 15 million a year.

One of the world’s most powerful businessmen, Carlos Ghosn, the chairman of Nissan, is € 40 million over a five year period from 2011.

Known as “The cost killer”, Ghosn has been credited with saving NIssan from the bankruptcy and steering both Renault and Nissan to a position where they are well placed to face the many challenges facing the global car industry – self-driving cars, global electrification and a world in which people will not actually own a car.

Ghosn is also chairman and chief executive of Nissan ‘s French partner Renault and his departure will be questions about the future of the alliance, according to Reuters.

Nissan said an internal investigation, had revealed that Ghosn engaged in wrongdoing, including personal use of money and under age reporting.

Image result for nissan

Nissan CEO, Hiroto Saikawa, said he was despondent over the scandal.

Nissan CEO Hiroto Saikawa said too much power had been concentrated on Ghosn, one of the best known figures in the global car industry and a rare foreign executive who enjoyed corporate superstar status in Japan for reviving the ailing Japanese brand.

“The problem of governance was significant,” Saikawa said, confirming the arrest of Ghosn in Japan.

“Looking back, after 2005 when he became CEO of both Renault and Nissan, we did not really discuss the implications.”

Saikawa, a long-standing lieutenant to Ghosn, said he was not serious and had gone on for years.

Ghosn could not be reached for comment.

“I feel full of disappointment and regret,” Saikawa told a late night news conference. “It’s not just a disappointment, but a stronger feeling of outrage, and for me, despondency.”

Saikawa took over as Nissan CEO from Ghosn last year. Ghosn once told reporters the two thought alike.

He said he was a member of the Board of Trustees and a representative of Greg Kelly, who was also accused of financial misconduct. Kelly could also not be reached for comment.

Renault shares tumbled 11 percent in Paris to be among the worst performing stocks in Europe. Nissan’s share price was down 6.5 per cent in Tokyo this morning.

French Finance Minister Bruno Le Maire said the government, Renault’s top shareholder, would protect the long-term viability of the carmaker.

Renault and Nissan, I know I am working on that with all the parties, “he told reporters in Brussels after a meeting of euro zone finance ministers.

 

 

4 Best No Balance Transfer Fee Credit Cards

Student Loan Hero Advertiser Disclosure

How do we make money? It’s actually pretty simple. If you choose to check out and become a customer of any of the loan providers featured on our site, we get compensated for sending you their way. This helps pay for our amazing staff of writers (many of which are paying back student loans of their own!).

Bottom line: We’re here for you. So please learn all you can, email us with any questions, and feel free to visit or not visit any of the loan providers on our site. Read less

No one ever accumulates credit card debt on purpose. But sometimes those little purchases start to add up and we find ourselves digging out of thousands of dollars of debt.

However, applying for a balance transfer to move your debt to a lower interest card can save you a ton of money, help you pay down your balances and get out of debt.

But not all cards and offers are created equally. Read on to learn which card may be best for you to avoid a balance transfer fee while getting out of debt.

What is a balance transfer fee?

A balance transfer fee is a charge from a credit card company for moving your existing balance from one card to another.

Let’s say, for example, you have a card, Card A, with a $5,000 balance. Meanwhile, Card B offers a 0% annual percentage rate (APR) for 12 months for balance transfers – but charges a three percent balance transfer fee.

If you transfer your balance, Card B will pay off your balance on Card A, put the balance on your new card, and charge you a three percent fee on the balance transferred. For a $5,000 balance transfer at three percent, the fee would be $150.

Moving to a 0% APR card would still save you money in most cases. Plus, that three percent fee is far less than the interest charged over time on a $5,000 balance.

But some cards offer the best of both worlds. If you can find a card with no transfer fee and a low APR, you’re guaranteed to save money with a transfer. Here are the four best no balance transfer fee credit cards.

Credit cards with no balance transfer fee

1. Chase Slate® credit card

what is a balance transfer fee

Slate from Chase is one of the best low-fee cards available today, and a top option for balance transfers.

You pay no balance transfer fee when you complete your first balance transfer within the first 60 days of opening a new account. After that, you pay 0% APR on purchases and balance transfers for the first 15 months you have your account.

The account charges no annual fee and includes a free FICO credit score.

Pros

  • 15 months at 0% APR
  • No annual fee

Cons

  • Variable rate APR up to 24.24% based on credit history
  • After 60 days balance transfers cost 5% of the amount transferred ($5 minimum)

Apply for Slate from Chase Here

2. Barclaycard Ring™ MasterCard®

The new Barclaycard Ring MasterCard is another top contender among all low fee credit cards.

The card charges no annual fee, no foreign transaction fees, and no balance transfer fee as long as you have the card. If you plan on several balance transfers over time, this is the best option available today.

You can get 15 months at 0% APR by completing balance transfers within 45 days of opening a new account.

Pros

  • 15 months at 0% APR
  • Will never incur fees for balance transfers

Cons

  • No miles, points, or cash back rewards

Check Out Barclaycard Ring Mastercard Today

3. NASA Federal Credit Union Visa

credit cards with no balance transfer fee

NASA Federal Credit Union offers three Visa credit cards with no balance transfer fees: a cash back card, a travel rewards card, and a classic card with a fixed interest rate.

In fact, these cards are low fee all around with no annual fees and no foreign transaction fees, with APRs as low as 10.65%. You can’t go wrong moving a balance to any card at NASA FCU.

Pros

  • Choose cash back, travel rewards, or low fixed rate APR
  • Secured option available for low credit applicants
  • No annual fee

Cons

  • APRs up to 18%
  • No 0% APR introductory period

Apply for NASA Federal Credit Union Today

4. Alliant Credit Union Visa® Platinum Rewards

balance transfer fee

The Alliant Credit Union Visa Platinum Rewards credit card has no annual fee for credit card charges, no balance transfer fee and offers the most creditworthy applicants 0% APR for 12 months on purchases and balance transfers. The card also offers one reward point per dollar.

While those rewards are not very compelling, this card is a good choice for low interest rates with no balance transfer fee.

Pros

  • 12 month 0% APR introductory period
  • No annual fee

Cons

  • Variable rate APR up to 21.74% after introductory period ends
  • 0% introductory period only available to high credit score applicants

Check Out the Alliant Credit Union Visa Platinum Rewards Card

Use these cards to reach debt freedom

Many credit card users take advantage of a card’s low APR and no balance transfer fee to get out of debt. However, you can undo your progress by making purchases that will just add to your debt.

Therefore, be sure to stick to your budget and keep a focus on early debt payments. Pay extra and often to get yourself out of debt even faster.

If you take advantage of credit cards with no balance transfer fee and low interest, you’ll have a much easier time getting that debt completely paid off for good.

4 Best No Balance Transfer Fee Credit Cards

Student Loan Hero Advertiser Disclosure

How do we make money? It’s actually pretty simple. If you choose to check out and become a customer of any of the loan providers featured on our site, we get compensated for sending you their way. This helps pay for our amazing staff of writers (many of which are paying back student loans of their own!).

Bottom line: We’re here for you. So please learn all you can, email us with any questions, and feel free to visit or not visit any of the loan providers on our site. Read less

No one ever accumulates credit card debt on purpose. But sometimes those little purchases start to add up and we find ourselves digging out of thousands of dollars of debt.

However, applying for a balance transfer to move your debt to a lower interest card can save you a ton of money, help you pay down your balances and get out of debt.

But not all cards and offers are created equally. Read on to learn which card may be best for you to avoid a balance transfer fee while getting out of debt.

What is a balance transfer fee?

A balance transfer fee is a charge from a credit card company for moving your existing balance from one card to another.

Let’s say, for example, you have a card, Card A, with a $5,000 balance. Meanwhile, Card B offers a 0% annual percentage rate (APR) for 12 months for balance transfers – but charges a three percent balance transfer fee.

If you transfer your balance, Card B will pay off your balance on Card A, put the balance on your new card, and charge you a three percent fee on the balance transferred. For a $5,000 balance transfer at three percent, the fee would be $150.

Moving to a 0% APR card would still save you money in most cases. Plus, that three percent fee is far less than the interest charged over time on a $5,000 balance.

But some cards offer the best of both worlds. If you can find a card with no transfer fee and a low APR, you’re guaranteed to save money with a transfer. Here are the four best no balance transfer fee credit cards.

Credit cards with no balance transfer fee

1. Chase Slate® credit card

what is a balance transfer fee

Slate from Chase is one of the best low-fee cards available today, and a top option for balance transfers.

You pay no balance transfer fee when you complete your first balance transfer within the first 60 days of opening a new account. After that, you pay 0% APR on purchases and balance transfers for the first 15 months you have your account.

The account charges no annual fee and includes a free FICO credit score.

Pros

  • 15 months at 0% APR
  • No annual fee

Cons

  • Variable rate APR up to 24.24% based on credit history
  • After 60 days balance transfers cost 5% of the amount transferred ($5 minimum)

Apply for Slate from Chase Here

2. Barclaycard Ring™ MasterCard®

The new Barclaycard Ring MasterCard is another top contender among all low fee credit cards.

The card charges no annual fee, no foreign transaction fees, and no balance transfer fee as long as you have the card. If you plan on several balance transfers over time, this is the best option available today.

You can get 15 months at 0% APR by completing balance transfers within 45 days of opening a new account.

Pros

  • 15 months at 0% APR
  • Will never incur fees for balance transfers

Cons

  • No miles, points, or cash back rewards

Check Out Barclaycard Ring Mastercard Today

3. NASA Federal Credit Union Visa

credit cards with no balance transfer fee

NASA Federal Credit Union offers three Visa credit cards with no balance transfer fees: a cash back card, a travel rewards card, and a classic card with a fixed interest rate.

In fact, these cards are low fee all around with no annual fees and no foreign transaction fees, with APRs as low as 10.65%. You can’t go wrong moving a balance to any card at NASA FCU.

Pros

  • Choose cash back, travel rewards, or low fixed rate APR
  • Secured option available for low credit applicants
  • No annual fee

Cons

  • APRs up to 18%
  • No 0% APR introductory period

Apply for NASA Federal Credit Union Today

4. Alliant Credit Union Visa® Platinum Rewards

balance transfer fee

The Alliant Credit Union Visa Platinum Rewards credit card has no annual fee for credit card charges, no balance transfer fee and offers the most creditworthy applicants 0% APR for 12 months on purchases and balance transfers. The card also offers one reward point per dollar.

While those rewards are not very compelling, this card is a good choice for low interest rates with no balance transfer fee.

Pros

  • 12 month 0% APR introductory period
  • No annual fee

Cons

  • Variable rate APR up to 21.74% after introductory period ends
  • 0% introductory period only available to high credit score applicants

Check Out the Alliant Credit Union Visa Platinum Rewards Card

Use these cards to reach debt freedom

Many credit card users take advantage of a card’s low APR and no balance transfer fee to get out of debt. However, you can undo your progress by making purchases that will just add to your debt.

Therefore, be sure to stick to your budget and keep a focus on early debt payments. Pay extra and often to get yourself out of debt even faster.

If you take advantage of credit cards with no balance transfer fee and low interest, you’ll have a much easier time getting that debt completely paid off for good.

Study of the users that contract our credits online

Resulta ng larawan para sa credit

 

Loans Ferratum

We present the following infographic with the most important conclusions about the type of users that usually hire credits in   Ferratum and Creditomovil .

To understand what it is that leads a person to contract a quick credit, first it is necessary to know how is the economic outlook in our country. For this we have compiled some data obtained by the National Institute of Statistics on the economic situation of Spain in 2012, with which we can understand much better the behavior of our customers.

According to the INE, we have an unemployment rate of 26%, the second highest in Europe, second only to Greece. However, the employment situation of people who hire online loans is mostly made up of salaried workers, representing 62%, followed by unemployed workers with 29% and self-employed workers with 18%. This means that you do not have to be unemployed to hire a loan, but there are people who need an economic bonus to make your life more satisfying.

Analyzing the rise in the CPI (Consumer Price Index), we see that in 2012 it was reflected above all in these products: eggs, medicines and fuels, that is, articles of first necessity. While they lowered prices on photographic equipment, sound, computer and telephone services.

This gives us a clue as to why most users (68%) use the money obtained with the loan in their own expenses. And the rest spend the money to be able to make ends meet, others use it in sporadic expenses and others in leisure.

In the data of the INE we also observe a priori a saving trend. The average expenditure per household has decreased with respect to last year, standing at € 29,482 per year, while the average annual income of Spanish households have also decreased, hence many people need to hire our loans in order to reach an end. of month.

Therefore, more and more people are encouraged to hire fast loans, being the features that convince our customers the return times, the amount of the loan amounts, the fees and our customer service.

If you are interested in hiring an online credit or a loan, here you can consult all the   necessary information to know what the conditions of hiring are.

prestamos online

 

Study of the users that contract our credits online

Resulta ng larawan para sa credit

 

Loans Ferratum

We present the following infographic with the most important conclusions about the type of users that usually hire credits in   Ferratum and Creditomovil .

To understand what it is that leads a person to contract a quick credit, first it is necessary to know how is the economic outlook in our country. For this we have compiled some data obtained by the National Institute of Statistics on the economic situation of Spain in 2012, with which we can understand much better the behavior of our customers.

According to the INE, we have an unemployment rate of 26%, the second highest in Europe, second only to Greece. However, the employment situation of people who hire online loans is mostly made up of salaried workers, representing 62%, followed by unemployed workers with 29% and self-employed workers with 18%. This means that you do not have to be unemployed to hire a loan, but there are people who need an economic bonus to make your life more satisfying.

Analyzing the rise in the CPI (Consumer Price Index), we see that in 2012 it was reflected above all in these products: eggs, medicines and fuels, that is, articles of first necessity. While they lowered prices on photographic equipment, sound, computer and telephone services.

This gives us a clue as to why most users (68%) use the money obtained with the loan in their own expenses. And the rest spend the money to be able to make ends meet, others use it in sporadic expenses and others in leisure.

In the data of the INE we also observe a priori a saving trend. The average expenditure per household has decreased with respect to last year, standing at € 29,482 per year, while the average annual income of Spanish households have also decreased, hence many people need to hire our loans in order to reach an end. of month.

Therefore, more and more people are encouraged to hire fast loans, being the features that convince our customers the return times, the amount of the loan amounts, the fees and our customer service.

If you are interested in hiring an online credit or a loan, here you can consult all the   necessary information to know what the conditions of hiring are.

prestamos online

 

P2P credits, all about these credits between people

The so-called P2P credits, or credits between people are increasingly known in our country. But what are they? How do they work? How can they be requested? We tell you everything in this post.

Resulta ng larawan para sa credit

Credits for entrepreneurs, advice and documentation

In this post we will see all the documents that can usually be requested at the time of requesting a loan for entrepreneurs, both banks and other alternative financing platforms, and how to increase the chances of getting a loan for entrepreneurs.

Resulta ng larawan para sa credit

Credits between individuals. Guide to formalize them

Currently, loans between individuals are increasingly used and considered a good alternative to bank loans, this has been mainly due to the closing of the credit tap where it is increasingly difficult to access a particular financing for those people or companies that need certain amount of resources at any given time. The loan between individuals is then presented as a good alternative within the few financing options that exist today.

 

Credits for business without going through the bank

Many companies, both SMEs and self-employed or entrepreneurs need credit for business, because without external financial help can not carry out their ideas and projects.

Credits # May 18, 2016

Loans to SMEs, requirements to obtain financing

Almost all the companies in our country are SMEs (small and medium enterprises with between 0 and 249 employees), representing more than 99% of the Spanish business fabric (99.88% according to the latest report by the Ministry of Industry, Energy and Tourism, which represents a figure of 3,110,522 companies).

Credits # May 12, 2016

Credits and loans, what are your differences?

In the area of ​​economics and finance it is very common to use the word credit as a synonym of loan and vice versa. But although we think they mean the same thing, they have a series of differences that the company must know when applying for financing, in order to choose the product that best suits it, be it the loan or the loan.

Credits # May 12, 2016

SME Credit to start a business: tips

According to the II Report on the Financing of SMEs in Spain carried out by the Spanish Confederation of Guarantee Companies (SGR-CESGAR), one million small businesses in Spain have serious difficulties in accessing the financing they really need, if 150,000 These small companies or SMEs will achieve this access to credit to start a business, it could generate up to 450,000 jobs in the next 3 years.

 

Credit to large companies

Large companies do not have financial limits or number of workers that limit their activity by governments. These large companies exceed those limits that are placed on small businesses, although they depend in each case on the country where the company is located, although normally these large companies are located in several countries and are defined as multinationals.

Credits

P2P credits, all about these credits between people

The so-called P2P credits, or credits between people are increasingly known in our country. But what are they? How do they work? How can they be requested? We tell you everything in this post.

Resulta ng larawan para sa credit

Credits for entrepreneurs, advice and documentation

In this post we will see all the documents that can usually be requested at the time of requesting a loan for entrepreneurs, both banks and other alternative financing platforms, and how to increase the chances of getting a loan for entrepreneurs.

Resulta ng larawan para sa credit

Credits between individuals. Guide to formalize them

Currently, loans between individuals are increasingly used and considered a good alternative to bank loans, this has been mainly due to the closing of the credit tap where it is increasingly difficult to access a particular financing for those people or companies that need certain amount of resources at any given time. The loan between individuals is then presented as a good alternative within the few financing options that exist today.

 

Credits for business without going through the bank

Many companies, both SMEs and self-employed or entrepreneurs need credit for business, because without external financial help can not carry out their ideas and projects.

Credits # May 18, 2016

Loans to SMEs, requirements to obtain financing

Almost all the companies in our country are SMEs (small and medium enterprises with between 0 and 249 employees), representing more than 99% of the Spanish business fabric (99.88% according to the latest report by the Ministry of Industry, Energy and Tourism, which represents a figure of 3,110,522 companies).

Credits # May 12, 2016

Credits and loans, what are your differences?

In the area of ​​economics and finance it is very common to use the word credit as a synonym of loan and vice versa. But although we think they mean the same thing, they have a series of differences that the company must know when applying for financing, in order to choose the product that best suits it, be it the loan or the loan.

Credits # May 12, 2016

SME Credit to start a business: tips

According to the II Report on the Financing of SMEs in Spain carried out by the Spanish Confederation of Guarantee Companies (SGR-CESGAR), one million small businesses in Spain have serious difficulties in accessing the financing they really need, if 150,000 These small companies or SMEs will achieve this access to credit to start a business, it could generate up to 450,000 jobs in the next 3 years.

 

Credit to large companies

Large companies do not have financial limits or number of workers that limit their activity by governments. These large companies exceed those limits that are placed on small businesses, although they depend in each case on the country where the company is located, although normally these large companies are located in several countries and are defined as multinationals.

Credits

The best credit for solving a serious illness

 

 

Resulta ng larawan para sa credit

Diseases are those situations in which time is money, and if they are serious, more. Says the saying that time is pressing, how much truth in so few words.

When there is a diagnosis of a serious illness, the days may be an eternity or, on the contrary, they may happen in the blink of an eye.

What is true and there could be no doubt, is that these diseases are not only serious for health, but also for personal finances. What should be done in these cases?

Request a loan is the most convenient when these urgencies afflict, sometimes not all savings or all bank accounts are sufficient to settle the account of these treatments, which obviously can not wait.

At Credifiel we have different credit options for public sector workers , so do not worry if you have to request one soon and read on to know what a loan should offer to solve a serious illness:

  • Ease of application: Without so much research, without so much formality and without so many questions, the credit can be almost yours. Neither is it about generating mistrust, it only speeds up the process because, when you work in an institution with which there is an agreement with a credit organization, everything is much simpler and more practical.
  • Rapid response capacity: Before a serious illness, we can not wait for so many days to pass to approve the credit, start the process and much less, to deliver the money.
  • For this reason, you should look for an option that has that quick ability to give you an answer, so in a few hours you will have the money in your bank account, ready for you to have it.
  • Opportunities for pensioners and retirees: For pensioners and retired people, in most cases the possibilities are reduced since “they will not have the resources to be able to liquidate the loan”.
  • In case of illness, you have to look for an option that does not put obstacles in your way, but on the contrary, it should help you to resolve the situation as soon as possible and, in addition, speed up the process.
  • The lowest interest rate: Of course, once the disease is resolved and it has become a thing of the past, you will have to take care of paying off the loan completely.
  • If you choose a discount option via payroll, you will see that paying off your payments will be much easier and, in addition, it turns out to be an option in which interest is reduced.

Resulta ng larawan para sa credit

In Credifiel we have credits for retirees , pensioners and workers from government agencies with which there is an agreement. In addition, our terms provide you with the time necessary to liquidate the loan without setbacks.

At the end, you can request another credit equal or greater. In those moments when time is money, do not lose hope and trust us.

Contact us and we will help you solve that illness and emergency situation, so that neither that nor anything, will take away your sleep.