If or it is difficult to start up a business or company, we were with the risk certain to undergo unpaid debts and not only in these times of crisis.
For that reason we would have to heft the convenience “of assuring” our collections. Companies or organizations dedicated to the “insurances of credit and caution” exist in Spain multiple.
It is a participated Joint-stock company mainly by the Spanish State, and the main banks and insuring companies of the country. Its activity is to assure as much to the companies of the risks of non-payment derived from the sales from its products and services in the inner market as in the outside.
Within the products that offer we emphasized those of Credit and those of Caution, being advisable to know in what consists:
What is an insurance of Credit?
One is an insurance by means of which the company is on credit cover against the risk of inherent non-payment to all the sales that carry out to the set of their clients. Geralmente allows to cover the sales with goods and services that nonsuperior to a year on credit realizes with victory.
What is the insurance of Caution?
This modality of insurance is designed for those companies that need to guarantee the fulfillment of the obligations assumed before a third party (public or prevailed), as a result of the development of its activity. Normally it guarantees to the Taker of the insurance or Contractor before the Central, Autonomic, Local Administration, etc., or before the deprived sector, of the economic responsibilities that him can be demanded as a result of the breach of the guaranteed obligation, or by legal or contractual disposition between the parts.
Interesting conference in Madrid in the Fnac de Callao, titled “III Encounter of entrepreneurs in Madrid”. The rapporteurs were Juan training Haro coach and, Castilian Vicens presenter of Adjustment of Accounts and expert in financial conflicts and Bethlehem Fdez. Psychologist and coach. Source: www.laescueladeinversion.com
In many blogs, this one same one also, and pages Web, is spoken of how creating a company, the fiscal proceedings, the labor obligations, discounted etc. Even of the aid that exists, loans and others. Also one falls in the temptation to animate (we them first) to embark in the adventure to have our own business
Personally I am optimistic, likes to see the positive side of the things and to watch at the front, being confronted the challenges that entail to initiate, to maintain and to prosper your own idea or in the majority of the cases “the illusion” of being your own head.
Nevertheless, a commentary written in another one post of this blog, has made me stop to me to reflect.
They would not have to be of Professional University and institutes, the educative centers Formation, Secondary, the ones that would have to instill the enterprising spirit?
Why it is not oriented on the application in the real life of the knowledge that are obstinate?
The professional exits always focus towards the use search, almost never towards an enterprise project. If some economist, lawyer in right or enterprise sciences is reading to us, will be able to corroborate that in the University never they spoke of how being developed to him professionally through his own office. The same happens with just left the Professional Formation, to which it is placed in a company to make practices nearly money and creating a mentality to him on another's account, without showing to them how they are possible to be autoemplear.
Being critical with the educative system and its teaching staff and also with the enterprise structure to the use, which is tried is to feed “the beehive”. It is desired that we are the working bees, without more objective than to feed the queens and its drones.
Why does not offer us the opportunity to choose? All we will not be worth or we will want to be “working bee, reigns or drone”, but we would have to know the alternatives for, really, choosing our way.
Request you know to excuse this lukewarm plea in favor of the Entrepreneur.
You have your Plan of Company, you are already a person fighter and woman. Nowadays that no longer is hándicap.
In previous articles already we spoke of the Institute of the Woman and other institutions that help the enterprising woman. Today we will take care of the Program of Enterprise Support the Women.
Through e-empresarias.net vestibule it is possible to be had the following:
Services
Advising online.
Periodic information updated by electronic mail.
Creation of a network of support and interchange of experiences.
Formation at a distance.
It also has an interactive map to easily locate to the Aid and effective Subsidys by Independent Communities, which you do not have to stop consulting periodically.
To also review its forum of and-industralists, where experiences share and knowledge interchanges.
It remembers, you do not let pass your opportunity and takes advantage of the resources that the adminsitración makes your available.
We make reflections together on the title of this article.
Certainly sometimes hemosfantaseado about our own company. Every year, they begin deun million new businesses close, but more of 85% they close within loc five years following to its birth. Discouraging?
They occur some characteristic key that they indicate who would be more efficient like owner of a company. We analyze the following questions to determine if we have the impetus, the discipline and the resources for “being your own head”. I am a dynamic person? It will depend on you, another person not to develop business, to organize the projects, to handle your time and to take until the aim the details.
I can " play " with the uncertain financial risk? Cadanegocio tienensus cycles, flows and ebb tides of yield. It is necessary to have present that vezempezado a business, will have operational expenses and of personnel who is due to cover before being pleased to itself.
I have good enterprise abilities? Logically it is necessary to attract clients. The new clients and the assiduous clients are the motor delnegocio. I must know or to learn on accounting, planning, operations, sales, marketing and service to the client for queel business survives and is successful. I have the energy to lead a business? To have your own company is work much. You are arranged to work 12 hours to the day, of 6 to 7 days of the week, every week?
They motivate the small profits or successes to me? To many industralists it cheers to much the “daily victories to them” that they gain to make businesses. They see like a competition and an pleasant way it carry out its instincts to obtain something. They amuse themselves to do it.
These people have a passion reason why they make and they have that impetus of being first. They are enterprising people and they want to harvest the fruits of his work and effort. It is improbable that they run out physics and mentally to take all the responsibility of its business on its shoulders. I am motivated?
I can make good decisions? The owners of the businesses we must make decisions constantly, quickly, under the pressure and independently. I investigate and I examine all the options when one is decisions important to diminish the risks, and soon decide what I am going to do and itself ahead?
I am able to demanejar different personalities? The owners of companies we needed to develop labor relations with a variety of people like clients, suppliers, personnel, bankers and professionals such as lawyers, advisers, etc. The capacity to deal successfully with demanding clients, informal suppliers or bad-tempered personnel to benefit your business will catapult to you directly towards the success. This would be “to have left hand”
How it will affect the business to the family? It is difficult to find a balance between the labor exigencies and the family during the first years after beginning a new business.
In addition, also it can have financial difficulties until the business is profitable, which podríaprolongrase months or years. Probabemente is necessary to adapt to a lower standard of life or to put the assets of the family in risk. Can your family support the challenges who presents/displays to be the owner of a business?
Although many industralists in the long run have considerable income, the “skinny years” are a necessary part of the cycle of the evolution and growth of the business.
Tambiénhay that to the same consider the benefits of being used of a company the paid vacations, social days ill, covers, etc. Those benefits disappear when he is the owner of your own company. It is necessary to think about the additional costs of which same one is going away to be responsible one.
How you go to asoportar the isolation? Once it is decided to work porcuenta own, you will only work. We can support to be isolated? We will surprise estatus, elentorno and social lasrelaciones that we had while we worked for another one?
We do not underestimate this aspect, because that one is the reason for which many consultants and proprietors of companies of services closed their propiosnegocios and returned on another's account to the world of the work. And finally
I will be able to survive two or three years without income? Very useful it is to make a list of the initial resources to buy/to begin and administrarel own business. It must tenerseen account in the medium and long term the sales and the point of balance (dondeni segana nor is lost) as well as the projections of the gains. Technically one is to elaborate a plan of viability of the business to undertake.
It is necessary to be preservative in the estimations, cautious and foresighted. Also to ayudaráelaborar a familiar budget and one for the business with quese of puedamantener and to your family while the business begins to prosper.
The hour already arrives to declare to Property the 2006 PERSONAL INCOME TAX, and that better than this channel to try to solve doubts on the rent declaration, between all we can do our declaration to us. Greetings
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- There per 1992, my Carmen partner Lopez Regidor and I realized of which we had to settle by “our account”, nobody employed to us related to what there were been studying. A young lawyer and a young fiscal adviser lay down ahead. The means whereupon we counted were many desire, illusion and a computer, but not one client.
- At the end of 1996, a new collaborator was united, who deluded with her first related work and so she had studied, forged her profession, to day of together today we continued the way.
- At the moment we conformed a coordinated equipment perfectly.
- This blog is born with the unique intention to animate to those people who have an idea they start up so that it.
It is a participated Joint-stock company mainly by the Spanish State, and the main banks and insuring companies of the country. Its activity is to assure as much to the companies of the risks of non-payment derived from the sales from its products and services in the inner market as in the outside.
If some economist, lawyer in right or enterprise sciences is reading to us, will be able to corroborate that in the University never they spoke of how being developed to him professionally through his own office. The same happens with just left the Professional Formation, to which it is placed in a company to make practices nearly money and creating a mentality to him on another's account, without showing to them how they are possible to be autoemplear.
Through 
I have the energy to lead a business?
The capacity to deal successfully with demanding clients, informal suppliers or bad-tempered personnel to benefit your business will catapult to you directly towards the success.
