Sometimes, the best that we can happen is that a Business Angel is crossing in our way. And that is that, behind this figure, it hides a retail investor willing to invest time and money in our project.

The Business Angels are individuals with a broad knowledge of certain sectors of the market and with investment capacity, driving the growth of business projects and small businesses with high growth potential in the early stages of life.

What is the difference between a Business Angel of an investor traditional? Basically, the first differ from classic investor and corporate venture capital in its involvement in the management of the project or company in which decide to invest. In this sense, like the entities of venture capital, bet on a business project, without being involved in the day to day, but bring added value. Some of its main characteristics are as follows:

1. Investing its own money.

2. It invests in the initial stage of the life of a company.

3. Their investment decisions may be different from the motivations strictly financial (professional satisfaction, linking family, etc. )

4. Invest only in areas close to their place of residence.

5. The amounts invested are much lower than the average that involved the entities for venture capital in each operation.

6. The disinvestment, in contrast, tends to be more slowly than in the case of the risk capital investors.

7. The profitability is generally lower than that obtained by the entities of venture capital.

Networks of Business Angels

In many instances, these investors, are organized in networks. The networks of Business Angels are organizations that are intended to bring small and medium-sized enterprises, new or in growth phase, with investors informal and private. In this way, met two main functions: bringing together the Business Angels and increase the effectiveness of its process of contact with investment projects interesting.

Normally, these networks financed operations of between 25,000 € and 250,000 € (or about 25 percent of its capital available), in societies with prospects of rapid growth that would allow a disinvestment in the medium term, between 3 and 5 years.

In terms of its practical operation, normally incorporated into its network both new firms as companies that want to launch an expansion project.

The collection of business projects is made by different routes: universities, business schools, business incubators, technology parks, consulting… These projects, after joining the network, are analyzed and validated, and was ruled out of the network those who are not eligible for funding.

On the other hand identifies potential Business Angels who have the ability and, above all, the expectation of investing in business projects with a high degree of risk. Once they have been identified these Business Angels by different routes (groupings employers, chambers of commerce, consultancy and other economic circles), also continues a process of identification of the expectations of investment in each of them.

The model 340, which is one of those with the entry into force of the new Plan General Accountant, has suffered some variations. To respond to the major doubts, and given that approximates the period of the first declaration of the VAT, has published a guide to frequently asked questions.

The questions that are answered in the guide include aspects as diverse as deadlines, complementary statements, registration of operations not subject to VAT, etc.

1. What is the period of declaration of the model 340?

It is monthly or quarterly, according to the liquidation period of VAT or IGIC either monthly or quarterly, respectively. In 2009, the period of declaration will be monthly.

2. In what cases must submit a complementary statement?

When you wish to include new data not declared or modify part the content of the declaration submitted in advance, that is, in the following assumptions:

1. Add new records
2. Modify records already declared
3. Deleting records already declared

3. What form it should submit a complementary statement?

If you want to add new records, should a new declaration by electronic means identifying the original declaration through its number of proof.

If you want to modify some record, must be accessible to consultation service and modification of informative declarations in the Virtual Office of the AEAT. Once completed and submitted the amendment, the system released an electronic code.

If you wish to eliminate records already declared, the forced tax should be directed to the office of the AEAT that corresponds by secondment or fiscal address. May do so through the Register Telemático of the AEAT.

If you wish to conduct several of the operations described simultaneously (add and/or modify and/or deleting records), should be used regardless the mechanisms provided for each of the options.

4. In what cases must submit a declaration substitute?

When you want replace entirely on its contents the initial declaration. It is an option that provides the required tax when it considers that the high number of changes a short while ago operational the option of filing a complementary statement.

5. How should join the operations not subject to VAT and the subject but exempt? How?

If you. Exist obligation to issue an invoice, (articles 2 and 3 RD1496/2003, which regulates the obligations of billing) it must register. In the case of operations not subject or free, shall be entered tax rate “0″ and tax “0″

6. When should be completed the field “country Code”?

When the direction of declared corresponds with a non-eu country, or in the case of an eu country where the declared not available Number of intra-Community Operator (as with some consumers community end). If you mark the keys 1 or 2 (NIF or NOI) of the field “Key of identification number in the country of residence”, this field is not compulsory.

7. When should be completed the field “Tax Identification number in the country of residence”?

When the declared not available NIF assigned in Spain. Occurs among others, in the course of suppliers or foreign clients.

8. What is compulsory to use the key “C. – Invoice with several seats” to visit an invoice issued or received to include several tax rates?

No. Can be settled the annotation of the same invoice in several seats correlative and independent.

9. How is recorded an invoice amendment?

You can join the amount of the correction with the sign that appropriate. You can also join the invoice, as is after the rectification, while the latter case, must be recorded in addition, the initial invoice with an opposite.

10. What Is binding visit the identification of the invoice corrected?

It is not binding.

In this time of crisis in which it seems that everything goes wrong, not all have to be bad news. The banks and savings banks begin to show some sensitivity toward micro and self-employed, and are already several entities to design products that are adapted to their needs.

In the field of credit cards started to be a timid hole cards designed and intended for the small entrepreneur, professional and the autonomous. In MuyPymes compared the most interesting of the moment.

Card Business of Banco Santander

Card designed by Banco Santander to meet the needs of autonomous and businessmen who, among other advantages, offers discounts of 1 per cent in fuel in any petrol station, a disability insurance transitory and secured a defense of carné by points. In addition, puts at our disposal a free service of SMS and responsibility of eur 0 in case of fraudulent use. Other interesting features of this product are:

1. A compensation, in case of theft, for the stolen money if he was removed with card in the 48 hours before.
2. Up to 750.000 euros of compensation, in case of accidents in travel by public transport or car rental paid with the card. It covers the holder and up to five companions.
3. A compensation for value of the purchases made in the last 12 months with a maximum of 6,000 euros, in case of an accident of the holder in acts of their daily lives
4. Travel Assistance for the holder and your vehicle: within the European Union, including medical expenses abroad.

Business Card of BBVA

The Business Card is a card specially designed for smes, commerce, autonomous and professional. As the main advantage presents its great care insurance in travel, in addition to a sure Infidelity in the event that occurs a misuse of the card on the part of the workers of the company. C

As in other products of these characteristics, offers flexible financing and provides a service of Travel Support that provides the possibility of replenishment of Card and provision of emergency cash.

It is, ultimately, a product whose main asset lies in the wide range of insurance that gives the holder, both in case of emergency, as in travel. As a sample, say that in the case of travel, the card offers nothing less than 12 insurance differentiated covering from aspects as trivial as the visit to the dentist to other much more serious as the advance of criminal bonds abroad in case of an accident.

Although the majority of homeowners take out their house insurance when they buy their mortgage from the high street bank or lender, this is not the best way to protect your home contents. If you take the time to get several quotes for a policy then you can make substantial savings. However the best way to ensure you get the very cheapest house insurance quotes is to go with a specialist broker.

They can not only save you money on cover but also a great deal of time. A broker will have the means to search with the whole of the market place to find the cheapest premiums. An individual could spend hours or even days trying to get quotes and then comparing them to still not get the cheapest quote. Another big advantage is that a broker can supply information which makes determining how much cover you need easier.

While you do not want to over insure you also have to make sure you are covered for the worst case scenario of having to replace everything in your home. The best way to arrive at a figure on which you can get quotes is to make a full inventory of all your contents. Talk a walk around and jot down everything, this means taking into account the clothes in the wardrobe and items which are hidden away in kitchen cupboards. Very often hidden items are forgotten and these can all add up.

Once you have reached a figure then go online with a specialist home insurance broker and allow them to secure you the best house insurance premiums possible. The added advantage of going with a broker is that all quotes will come with the key facts attached. It is essential when comparing the quotes that you also take the key facts into account too. This is where the terms and conditions of the home insurance policy will be. They will tell you how much the premiums will be each month and what is and is not covered in the policy.

You have to be aware that certain items in your home might not be included in your cover. For example if you have an art collection, expensive jewellery or home office equipment. You should always check in the small print to be sure and if in doubt ask. Certain items might have to be added on with extra cover but of course this will boost up the premiums.

Home insurance should never be pushed along with the mortgage. The cheapest house insurance needs shopping around for and a broker can do this in the shortest time possible. Sadly millions of people in the UK are taking out cover with their mortgage and are paying way too much for their premiums. This could be due to apathy or simply because they are unaware that they are free to shop around. Yet they could be making huge savings each year simply by using a specialist broker who can do it on the legwork on their behalf.

There are times in life when you come in urgent need of cash. In such times, a payday loan might seem to be the best option available for you in such case. Payday loans are available to anyone who needs quick cash regardless of past credit or bad credit. This makes payday loans appealing because almost every other type of loan involved a credit check to make sure the person is free of delinquent accounts in the past.

Credit card use is also high. Consumers’ credit card balances are through the roof. Our economy has been slow, so many people have been using their credit cards not for luxuries but for food and utility bills. This is a situation that can be dangerous for the average person. When you are only paying the minimum payment on your balance each month, you will never pay the credit card debt off.

If you are overwhelming with your unbearable debt, you may think of declaring a bankruptcy is your only solution. Bankruptcies are at a record high. Consumers these days are searching for a way out. There are several alternatives in debt management program to repay your debts. Debt management can bring you back to the right financial track.

The number of people travelling abroad is ever increasing, as is the number of people who are choosing to take their own cars with them. Some people assume that they have the same cover abroad as they do back at home and some people just take the risk instead of having to pay a bit extra.

One of the main recommendations for people travelling abroad with their own car is to get in touch with their provider and find out what cover they have once they have left the country. Depending on whereabouts they will be driving will depend on the cost, sometime the insurer will be able to offer relatively cheap car insurance quotes . Even if someone has fully comprehensive cover, if they do not take out foreign cover they will not receive the same cover abroad.

Some car insurance companies will not charge a fee but most will. This still should not act as a deterrent not to upgrade because if you were unfortunate enough to have an accident whilst abroad the costs would be colossal, so surely having piece of mind is better than worrying about any extra costs you may incur should the unfortunate happen.

Within the EU, UK insurance is valid (even if it does not cover everything) because by law all policies must offer the minimum required, however, many UK insurance packages do not cover travel for outside the EU. Therefore, you risk driving illegally! When buying your cheap car insurance , always double check about any extra fees for travelling abroad if you are planning on doing so and ensure you know what cover you have during your time abroad.

Although the majority of homeowners take out their house insurance when they buy their mortgage from the high street bank or lender, this is not the best way to protect your home contents. If you take the time to get several quotes for a policy then you can make substantial savings. However the best way to ensure you get the very cheapest house insurance quotes is to go with a specialist broker.

They can not only save you money on cover but also a great deal of time. A broker will have the means to search with the whole of the market place to find the cheapest premiums. An individual could spend hours or even days trying to get quotes and then comparing them to still not get the cheapest quote. Another big advantage is that a broker can supply information which makes determining how much cover you need easier.

While you do not want to over insure you also have to make sure you are covered for the worst case scenario of having to replace everything in your home. The best way to arrive at a figure on which you can get quotes is to make a full inventory of all your contents. Talk a walk around and jot down everything, this means taking into account the clothes in the wardrobe and items which are hidden away in kitchen cupboards. Very often hidden items are forgotten and these can all add up.

Once you have reached a figure then go online with a specialist home insurance broker and allow them to secure you the best house insurance premiums possible. The added advantage of going with a broker is that all quotes will come with the key facts attached. It is essential when comparing the quotes that you also take the key facts into account too. This is where the terms and conditions of the home insurance policy will be. They will tell you how much the premiums will be each month and what is and is not covered in the policy.

You have to be aware that certain items in your home might not be included in your cover. For example if you have an art collection, expensive jewellery or home office equipment. You should always check in the small print to be sure and if in doubt ask. Certain items might have to be added on with extra cover but of course this will boost up the premiums.

Home insurance should never be pushed along with the mortgage. The cheapest house insurance needs shopping around for and a broker can do this in the shortest time possible. Sadly millions of people in the UK are taking out cover with their mortgage and are paying way too much for their premiums. This could be due to apathy or simply because they are unaware that they are free to shop around. Yet they could be making huge savings each year simply by using a specialist broker who can do it on the legwork on their behalf.

There are times in life when you come in urgent need of cash. In such times, a payday loan might seem to be the best option available for you in such case. Payday loans are available to anyone who needs quick cash regardless of past credit or bad credit. This makes payday loans appealing because almost every other type of loan involved a credit check to make sure the person is free of delinquent accounts in the past.

Credit card use is also high. Consumers’ credit card balances are through the roof. Our economy has been slow, so many people have been using their credit cards not for luxuries but for food and utility bills. This is a situation that can be dangerous for the average person. When you are only paying the minimum payment on your balance each month, you will never pay the credit card debt off.

If you are overwhelming with your unbearable debt, you may think of declaring a bankruptcy is your only solution. Bankruptcies are at a record high. Consumers these days are searching for a way out. There are several alternatives in debt management program to repay your debts. Debt management can bring you back to the right financial track.