Financial Advice And Assistance http://www.sdbcjax.com// Wed, 18 Dec 2019 22:27:13 +0000 en-US hourly 1 https://wordpress.org/?v=5.5.3 What is a Microenterprise and how to get credit? http://www.sdbcjax.com//what-is-a-microenterprise-and-how-to-get-credit/ Wed, 18 Dec 2019 22:27:13 +0000 http://www.sdbcjax.com/what-is-a-microenterprise-and-how-to-get-credit/

There are specific credit lines for microenterprises in Brazil.

Microenterprises are considered small in the market and should fit within the annual revenues of $ 360,000, to follow this category. Companies that grow and surpass this value become a small company.

Employee numbers are also specific: for industry, up to 19 employees; services and commerce, up to 9 people.

These types of companies benefit the government, as do individual microentrepreneurs, and have a degree of ease in getting credit and in tax reporting, among other things.

Micro-enterprise laws tend to make small business life easier by giving more growth opportunities to warm up market competition. The government proposes greater flexibility for companies of this type to generate jobs and income for more people, while lowering the value of products and services.

As a result, microenterprises have a specific tax regime that fits within the Simples Nacional.

Types of MEs

bank

  • Simple society: Provision of services from the provision of services on a personal basis (lawyers, doctors, dentists, writers). There must be at least one partner.
  • Individual Limited Liability Company (EIRELI): only the entrepreneur. The entrepreneurial and personal assets of the entrepreneur are separated.
  • Business Company: group of professionals who perform activities related to the production and circulation of goods and services. Partner and social contract required.
  • Entrepreneur: Individual entrepreneurs such as freelancers, mechanics, plumbers and others.

Microenterprise Credit

Microenterprise Credit

To make a business is necessary to invest and for this many entrepreneurs look for options to get credits to expand their companies. And for that the government also offers some good options.

First of all we need to evaluate if getting credits is really necessary. You also need to pay attention to payment deadlines and make sure that you can afford these costs. Check out some tips for getting credit for your micro business:

Know how much credit your business needs

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This is the starting point, before looking for credit lines. As an entrepreneur, you must add the value of all equipment, machinery, and more to get a real sense of the amount you need to be able to buy the resources you need for your business.

Taxes to pay

  • Social Contribution on Net Income (CSLL);
  • Corporate Income Tax (IRPJ);
  • Services Tax (ISS);
  • Tax on Circulation of Goods and Services (ICMS);
  • Contribution to Social Security Financing (Cofins);
  • Public Integration Program for the Formation of Public Servants’ Heritage (PIS / Pasep);
  • Tax on Industrialized Products (IPI);
  • Employer Social Security Contribution (CPP).

There are some banks and lenders that offer specific lines of credit for microenterprises. Therefore it is necessary to search for all information about costs, terms, amount of interest, late fines, among others. Values ​​and rules often change from bank to bank and before choosing one you need to research to find out which one is best for you according to your priorities.

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How Can I Help My Friend Or Employee With Financial Assistance? http://www.sdbcjax.com//if-you-have-an-interest-in-helping-someone-with-financial-assistance/ Tue, 02 Jul 2019 05:16:36 +0000 http://www.sdbcjax.com/fast-approval-payday-loans-online-sign-up-for-an-instant-payout-loan-today/ For all the challenges that our economy is facing, more people are seeking financial assistance and solutions to make ends meet. There are also new businesses springing up every day, many of which require employees, and the need for self-employment or financial advice.

If you have an interest in helping someone with financial assistance

With a budget or financial concerns, the first step is to look into what you may be able to do in your own life. Ask yourself what you can do to make yourself more financially stable.

I suggest that you put away some money before you go shopping for groceries, for example, so that you will have a little extra to cover any unexpected expenses. This should help you avoid debt.

Look into this site that will help you find more financial assistance. Do not wait until the need arises, look into the site as soon as possible.

Your employer’s health insurance can be quite expensive, especially if you have family members who are covered through them. The good news is that you may be able to make that deductible lower, making it more affordable. Not only is this an excellent idea, but if you can work out a new payment plan with your employer, this could help you reduce your total monthly payments.

There are grants and scholarships available

It can help you pay for the tuition or the books that you will need in order to learn how to get your own financial help. This is something that you will need to seek out. You need to get your credit report to be sure that you are not having any problems with your credit score, as a high credit score is needed to qualify for certain financial assistance. Get your report from a reputable agency like Experian or Equifax.

You can find ways to get help getting your finances under control, by looking into government programs, such as grants and financial assistance. There are grants and scholarships available that you can apply for, but if you can work out a new payment plan with your employer, this could help you reduce your total monthly payments.

If you want to start a new career, finding work at home jobs is always an option. Find a job that will allow you to set your own hours and work from home or one that will allow you to be flexible in order to fit in the work around your family.

In the case of the latter, the best program that you can apply for is the government grant that will allow you to take time off and still receive a check. You may need to attend college in order to get a degree, and that will make you eligible for a number of different financial help programs.

Looking for government grants

Such as loans, and assistance can take some of the burdens off of you. It also helps you to secure the future that you are looking for, with affordable health care, and access to credit, which means that you will have the financial freedom that you need.

Now that you know how you can help your friend or employee with financial assistance, you should take the next step and find out what steps you need to take in order to get the help that you need. Once you know what you are going to do, take the time to do it, and make sure that you have everything in order, there is no reason that you will not succeed.

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Apply For a Mini Loan | Special Credit Events http://www.sdbcjax.com//apply-for-a-mini-loan-special-credit-events/ Fri, 31 May 2019 15:18:42 +0000 http://www.sdbcjax.com/apply-for-a-mini-loan-special-credit-events/

 

 

 

The mini credit from Jean Valjean will be provided to you at between € 100 and € 600. Customers who have already successfully taken out a mini-loan several times and repaid it in time, even have a framework of up to 1500 euros at leisure. What you do with this amount is, of course, optional. So you can meet both consumer needs immediately and bridge a financial bottleneck without difficulty. – It’s your money!

 

A mini loan for a mobile phone

 

 A mini loan for a mobile phone

Sometimes it just has to be the new flagship, be it Apple or Samsung – the new devices come with ever better features, ever sharper cameras and more and more new extras. Of course you want to be among the first to hold the new super smartphone in your hand. With a Jean Valjean online loan, the desire can be easily realized, even if the balance shifts to zero. Because our mini loan up to 1500 Euro will be processed within a maximum of seven days and will be paid on the same day if all conditions are met. After that, you have up to 60 days to repay the amount at very favorable interest rates.

 

A mini loan in case of financial distress

 

A mini loan in case of financial distress

 

Life has white and black sides. Many remember their financial situation to a zebra – periods of income alternate with a low tide in the account. Especially the self-employed often have to contend with a collapse of orders on public holidays or during the holidays. To survive these stormy times unscathed, it is advisable to take a mini loan with Jean Valjean, which will be paid back within about two months. This means you do not have to give up the usual standard of living, even in times of drought, and can calmly and deliberately go in search of new clients.

 

Sudden expenses and the mini loan as a way out

 

Sudden expenses and the mini loan as a way out

 

Unexpectedly often comes – many people have already experienced this proverb. Especially at the end of the month, when there is almost nothing left on the account, suddenly the washing machine is broken. The best friend will become a father, and it’s up to you to find the perfect baby gift. Maybe your child is on a school trip and the deposit has been overlooked. It may also be a back payment of operating costs or water damage in the condominium. For all these everyday emergencies you are well equipped with a mini credit. This is approved quickly, easily and with little bureaucracy and gives you the breathing air you so desperately need until the next salary payment.

 

Jean Valjean: the specialist for mini loans

 

Jean Valjean: the specialist for mini loans

The credit expert Jean Valjean is a brand of Novum Bank, which has created with the competent financial institution a leader in the field of uncomplicated mini-loans. Jean Valjean has a Europe-wide banking license and has set itself the task of providing consumers with fast, cheap and uncomplicated small loans. This efficient approach to a complex issue is what sets the company apart, putting the customer first and serving their needs with a mini loan that they can actually afford.

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These Are The Points To Convenient Apply For A Mini Loan http://www.sdbcjax.com//these-are-the-points-to-convenient-apply-for-a-mini-loan/ Wed, 08 May 2019 15:12:20 +0000 http://www.sdbcjax.com/these-are-the-points-to-convenient-apply-for-a-mini-loan/

 

For different occasions you can need a mini loan. Think of credit for furniture or credit for renovation. With a mini loan, you can easily borrow extra money, up to 1500 euros for 30 or 60 days. You decide how much you want to borrow, and for how long. In this way, there is a suitable loan for every occasion.

Apply for your mini loan for your events and receive it on your account the next day.

 

We understand better than anyone else that you want to get the money for new furniture or renovations as soon as possible. If you choose our super deal, the money will be in your account in 24 hours. Your contract was signed before 13.00? Then you can get your money today.

The benefits of a mini-credit

  • Quick money lend up to 1500 euros
  • In 5 minutes requested
  • Credit decision in 60 seconds
  • In 24 hours on account

For which occasions can I use a mini loan?

For which occasions can I use a mini loan?

For the following occasions it is convenient to apply for a mini loan:

 

Credit for utilities of the house and apartment

 

 Credit for utilities of the house and apartment

 

Operating costs bill too high? Additional payment and consequent financial bottleneck threatens? Use our mini credit as a credit for their utilities! Continue reading 

 

Credit for a new notebook

 Credit for a new notebook

 Notebook or PC broken? We show you the possibilities offered by getting a new notebook quickly and easily by means of a loan. Continue reading 

Credit for new smartphone

 Credit for new smartphone

 

(05.04.2018) New smartphone needed, but what is too expensive? No problem – a special credit from Richard Carstone for a new smartphone solves the problem. Inform now! Continue reading 

Credit for repairs of all kinds

 Credit for repairs of all kinds  

 

If urgently a repair is to be carried out, a mini loan offers itself as an alternative to the credit line or the small loan. Continue reading

Credit for a vacation

 Credit for a vacation

 

Ready for vacation, but currently no money left? A mini loan can be used as a holiday loan, for short-term recovery in the form of a trip. Continue reading 

 

Credit for Education: The Different Lending Options

 

 Credit for Education: The Different Lending Options  

 

Credit for Education: What loan offers are there? What are the advantages and disadvantages of corresponding loan offers? Our credit counselor “Education Credit” helps Continue reading 

 

Credit for a driver’s license

 

Credit for a driver’s license: What options and providers are there to finance the driving license on credit? A credit counselor. Continue reading 

 

Credit for furniture: it must be small and handy

 

 Credit for furniture: it must be small and handy

 

 

If the new apartment is found, mostly new furniture is needed. With a special furniture loan from Richard Carstone we offer the necessary financial scope. Continue reading. 

 

Renovation on credit

 Renovation on credit  

 

If a renovation, then often come at high costs. A renovation loan can help here. Our guide will help you choose the right loan for a renovation. Continue reading 

Loan for relocation

New flat? With a relocation loan from Richard Carstone, the necessary funds are available to make the move easy. Continue reading

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Here It Goes Directly { To Your Small Loan http://www.sdbcjax.com//here-it-goes-directly-to-your-small-loan/ Fri, 19 Apr 2019 16:01:18 +0000 http://www.sdbcjax.com/here-it-goes-directly-to-your-small-loan/

A mini loan is a short-term loan from a bank that has to be repaid within a relatively short period of time. The loan amount can be between 100 and 1500 euros and thus allow spontaneous purchases as well as the bridging of small financial bottlenecks to the next payroll. The maturities at Capitano are set at 30 to 60 days, within which the disbursed amount must be settled again.

 

 

What are the requirements for a Capitano mini loan?

 

The mini loan may be given to any person over the age of 18, who has permanent residence in Germany and receives a monthly income in excess of € 700. If you are interested in such a small loan, all you have to do is fill in and submit a pre-set application form, which is available online. Within 60 seconds the request will be processed automatically. A customer account is then activated, where you can upload all necessary documents to allow the approval of the application.

 

What can a mini loan be used for?

 

 What can a mini loan be used for?

Basically, there are no contractual requirements for which expenses a Capitano online loan can be used. So you can decide independently what you want to do with the loan amount. The real idea behind the mini-loan is the quick bridging of a financial shortage: this can include paying the rent, settling small amounts of debt among friends, or mundane everyday expenses. Consumption expenditure, which are not absolutely necessary, like a new mobile phone or the purchase of the large 3D television, fall thereby not under it.

 

What happens if I can not repay my mini loan in time?

 

What happens if I can not repay my mini loan in time?

Life is sometimes unpredictable – something serious can get in the way that prevents you from repaying the mini loan on time. In this case, the very first step should be to pick up the phone to inform Capitano customer service and work with your individual agent to find a mutually acceptable way of finding a mutually satisfactory and mutually acceptable solution. As a matter of principle, a reminder with a payment period of seven days will be issued on the due date – if no payment has been received from your site. If this is not settled, a second, identical reminder will soon be in your mailbox. The same is true of the third reminder. In addition to processing fees, default interest will be charged from the due date. In this case, Capitano reserves the right to inform a credit information office about the late payment or to appoint a collection agency.

Who is Capitano?

 

The company Capitano is the first and to date the only provider of mini-loans in the country, which has a pan-European banking license. Capitano operates in Germany, Austria, France and Spain and, as a brand of Novum Bank, is a reputable provider of uncomplicated mini-loan settlements of up to € 1,500. A place in the top ranks at the prestigious Banking Check Award for three years now. a referral rate of 98 percent and the independent service rating of 4.7 / 5 speak for themselves. Capitano puts the principles of transparency, reliability and total customer satisfaction at the heart of its operations, with 24/7 service to customers.

 

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How to have a payday loan without proof of salary http://www.sdbcjax.com//how-to-have-a-payday-loan-without-proof-of-salary/ http://www.sdbcjax.com//how-to-have-a-payday-loan-without-proof-of-salary/#respond Fri, 22 Feb 2019 12:29:23 +0000 http://www.sdbcjax.com/2019/02/22/how-to-have-a-payday-loan-without-proof-of-salary/

Generally linked to a consumer loan, credit without proof of salary is considered medium-term financing. Adopting a system of simple repayments and with stable interests, this type of credit offers you a great deal of freedom in the use of your money once received. How to have a loan without proof of salary?

Why choose a payday loan without proof of salary?

Applying for a loan without proof of salary displays a fairly simple and especially flexible approach since we do not ask too much explanation. This type of loan offer is both fast, simple and allows you to finance a project.

With the organizations investors, this type of credit is obtained within 24 hours after your request. With an affordable interest, you can ask for up to 75 thousand euros. Offered and accessible to everyone, this credit differs from others in the simplification of procedures to follow. When you register, you are only asked for items that are easy to find, such as a photocopy of your identity card, photocopies of electricity bills, etc. In no case will you be asked to justify your financial source. Thus, you will be free to give life to all your projects.

The advantages of a payday loan without proof of salary?

To solve your punctual financial problems, you can always use recurring loans such as loans without proof of salary. With this type of financing, you have complete freedom to manage your money to increase your purchasing power. Know that everyone will have a chance with this type of credit because even those who do not have work can get the money he wants to improve his life.

By contracting for this type of loan, you save a lot of time because you will not have to make an appointment with your banker agent. For those who do not want to reveal their personal lives and tell everyone that they are unemployed. They will now have a chance to get financing. Please note that no questions about your privacy will be asked.

By subscribing to a loan without proof of salary, you can also make a credit redemption to negotiate the interest rate assigned to your loan. In this way, you will simplify your repayments. So if you need a little help, register online now. In addition, the answer is immediate.

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Student Loan http://www.sdbcjax.com//student-loan/ http://www.sdbcjax.com//student-loan/#respond Fri, 25 Jan 2019 21:47:52 +0000 http://www.sdbcjax.com/2019/01/25/student-loan/

Do you want to give your children the opportunity to study, perhaps abroad? Student Loans are tailor-made to receive the liquidity needed to complete the course of study or undertake a training course.

  • 1 What are Student Loans?
  • 2 Which Loan is granted to students?
  • 3 Other loans for university students
  • 4 What do I need to apply for a loan?
  • 5 Loan estimate for students
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What are Student Loans?

Student loan

Student Loans allow you to receive the sum required to meet the costs of university studies. For students who do not have their own income, these expenses can become unsustainable by putting the schooling at risk.

In addition, when the studies are off-site, the costs will start to be higher and may hold unpleasant surprises. Thanks to Student Loans, you get a liquidity that supports you during the three-year, master’s degree or any school path you’re taking.

 

 

Which Loan is granted to students?

Which Loan is granted to students?

The loan that is granted to a student is usually an honor loan or an honorary loan . The Honor Loan is a form of Personal Loan in agreement with the universities.

This type of Loan is widespread in other countries as in the USA with the aim of reducing or halving university tuition and fees. Students can apply to a partner credit institution and obtain a loan of up to € 6,000 per year to spend on school expenses.

The Loan does not need a pay slip or the parents’ signature or even a guarantor. You can easily find the requirements on the website of the Ministry of Education .

 

 

Other Loans for university students

Other Loans for university students

In Italy, parents and grandparents are increasingly willing and happy to support tuition costs for the studies of their children or grandchildren. Another form of Loan may be requested by the latter, with a Loan in payroll or on the pension slip .

The Loan to which we refer is the Assignment of the Fifth , in fact, it allows parents and grandparents (Employees or Pensioners up to 90 years) to request the sum that will be required for the studies of their child or grandchild.

This form of loan also makes it possible to obtain large amounts, so as to financially support the studies of one’s children away from home, perhaps abroad. The Loan in question does not require guarantors or mortgages and is covered by a “life risk” and “employment risk” policy charged to the bank.

 

What do I need to apply for a loan?

What do I need to apply for a loan?

To complete your loan request for university studies we need:

  • Identity card;
  • Fiscal Code;
  • Last paycheck or last payslip.

The Loan will subsequently be taken over by our operators who will meticulously follow the progress of the practice. You can request the Loan Estimate for students easily online from your smartphone or PC.

 

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