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There are great examples of entrepreneurship that have shown that you can create a profitable business and continue operating with your own resources, without the need for financing. But the truth is that under an environment with greater competitiveness, for a small or medium-sized company, credit is a tool that helps accelerate its growth and improvement. However, when considering it as an aid, many entrepreneurs still have different expectations of what applying for a loan for SMEs implies.

Credit, expectation vs. reality

The main idea is that obtaining a loan or financing is very difficult for a business that takes little time and is also very small. If we compare the access that there is between traditional banking and a fintech, the requirements that a bank requests, are usually more and difficult to obtain for an SME.

On the other hand, request it with a financial institution like OakPark Financial that specializes in loans for small and medium businesses, and also helps with technology to provide better solutions, access to a loan is possible and above all under better terms, that is, better rates, terms and amounts that are adapted to the needs and capabilities of businesses.

Long process

In the same way, it is thought that the process is very slow. Well, in the traditional way, it can take more than 21 days since you start to collect each of the requirements, deliver them and even wait for the definitive answer. This factor is also a discourager because SMEs work in an accelerated way and need to have capital almost immediately.

In our “Report on growth and credit of SMEs 2019”, it was found that the majority, when looking for credit, has a preference because interest rates are accessible and the process fast and simple.

38.65% Interest rate, 21.38% Fast process and 20% Confidence with the institution.

  • Rate

  • Process

  • Trust

Unnecessary indebtedness

Competitiveness in the market completely changes the idea that applying for a loan for an SME is just an unnecessary debt. Since we can say that it is an investment if you want it to work to generate growth and improvement. That is why it is essential that you have thought about the use that will be given to you, and that it is towards a beneficial purpose for the business since this depends if your credit will work to meet your objectives.

In the same survey, we learned about the different uses that credit is given once it is obtained, and the results are surprising since the majority allocates its financing to cover short-term needs and only 27% use it to complete objectives. strategic

Only to pay debts

04 Only to pay debts

In relation to the previous point, it is also thought that financing or credit should only be considered as a last resort. That is to say, at the moment in which the user is already a forced necessity due to the lack of total liquidity or when there is an indebtedness. Something that is totally incorrect, because experts in finance and business, agree that financing must also be present at times when a business is more likely to prosper.

More is better

05 More is better

When comparing the different offers made by financial institutions, it is easy to get carried away only by the amount and term they give. Well, seeing that there is the possibility that you can be a creditor of a loan for more than 10 million pesos and a reasonably long term, many entrepreneurs without sufficient experience in credit accept the offer. This is without taking into account that a long term can increase the risk of debt and that the total cost of the loan becomes much higher.

“More” is not always better; The decision to choose an appropriate amount and term is related to the payment capacity with which it is counted. Since having real data of how much is the burden that can support business to pay financing, the risk is left aside and can be invested in better actions.

As you can realize, certain expectations are holding back the opportunities that a business can have when acquiring financing; Decide to open the way to yours and achieve success.

How Much Debt Collector Can Take Out Of Retirement In 2019?


Hello. I received a pension of PLN 3873. It was a repayment for 2 months + the current month. The bailiff from the account took 2298,42 PLN. Is this correct? My monthly pension is PLN 1320. So how long will the bailiff take?

If you had 3873 zlotys on your bank account, then the bailiff from the bank account may take the whole, leaving only the amount free from seizure bailiffs.

In 2018, it is PLN 1575. The amount of PLN 1575 is 75% of the minimum remuneration for work, which in 2018 amounts to PLN 2,100 gross. So everything is correct, the bailiff has taken you a bank account in accordance with the law.

Execution of bailiffs from retirement is one of the most popular methods of debt enforcement performed by a bailiff.

From 1 July 2017, bailiffs are subject to new limits for bailiffs’ retirement classes and this is: 75% of the minimum retirement net amount.

As in 2018, the minimum pension is PLN 1,000 gross (ie PLN 853.84 net), then the debt collector must leave the pensioner at least PLN 640.30, or 75% of the net amount of the pension.

How many chambers will you take away from your retirement?

If in your case the pension is 1320 PLN gross, that is 1112,25 net, the bailiff must leave you for life, at least 640,38 PLN and will take you 471.87 PLN.

I leave you a table where you can check exactly how much the bailiff will take from retirement with different amounts of the benefit:


Application to the bailiff for exemption from seizure of a pension / retirement

Application to the bailiff for an exemption from retirement pension


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Do You Want To Know How To Earn Money From Home? Keep Reading


  1.  Why apply for loans with Vivus? Rating: 3.9 (Number of ratings: 19 ) Features of Vivus Ask for a loan Forget about the financial problems with What good Rating: 2.5 (Number of ratings: 16 ) QueBueno Features Request a loan Characteristics of Luna Credit Request a loan

    Start making money from home does not require any investment or initial outlay, however, we need some basic tools:

    1. A computer. It can be desktop or laptop, it is completely indifferent. It does not matter if it is old or that it has few benefits. Online business barely consumes resources at the hardware level. In some cases, a mobile phone or a tablet can also serve
    2. An Internet connection
    3. An email
    4. An account in, at least, a payment processor . The most advisable thing is to have several in portfolio to take advantage of the potential of all the pages

    Here are some of the most common ways to earn money from home:

    Money with surveys

    Money with surveys

    Paid surveys are one of the easiest ways to earn money from home.

    Yes it is possible to earn money with surveys, simply responding to online surveys or product testing you start generating income from home, but the problem is that there are many scams on the Internet and it is difficult to find sites that actually pay. So serious is this question that forums have proliferated on what to do when a survey site does not pay you.

    You can also get rewards through raffles, prizes, try free products, etc.

    Start a blog or business on the Internet

    Start a blog or business on the Internet

    More and more are people who have an online business and earn money from home. Some earn their living in this way and have been able to retire early.

    Starting a blog does not have to be complicated. You only need to share your knowledge with others, but first you must have a profitable niche market and enable your own blog with a fast hosting.

    Thanks to services such as Google Adsense you can get a return when people visit your site and recommend products and services that call your attention.

    There are also affiliate platforms, where you can promote dozens of products, companies and services on your websites or blogs and get good commissions. If you manage to have a website with a lot of traffic, the profits can be huge. Regardless of the theme of your site, do not hesitate to take a look at this type of platforms for easy economic performance.

    Earn money on YouTube

    Earn money on YouTube

    Being a “YouTuber” is a dream for many and is not out of reality. You can make money making videos as long as you have the necessary dedication and patience. Although you will not be rich overnight, you can build a loyal audience by focusing on a profitable niche market.

    What do you need to start earning money on YouTube? The requirements are very few and economic. You will need a quality camera and a good microphone. In a short time, you can accumulate views and followers on your channel.

    Make money investing

    Investing is one of the best ways to earn money from home. A passive investment method is key to ensuring a good financial future, especially if you want to double your money with little risk.

    Learning to invest in the stock market is becoming easier because more and more tools are available. You just need a cheap and reliable broker or stock broker.

    Instead of investing in individual stocks, it is advisable to invest money in investment funds or listed funds. These divide your risk into several companies and several economic sectors. This will reduce the chances of losing money.

    Charge for doing homework and as a freelancer

    Charge for doing homework and as a freelancer

    You can work from home as a virtual assistant. Virtual assistants can do everything from checking emails, making travel plans, doing research on the Internet or keeping small business accounts.

    The easiest way to start earning money from home when charging for tasks or services is by using the Fiverr site . If you have skills such as speech, graphic designer, translation or business knowledge, you can use this site to earn money.

    One of the easiest ways to get extra money on this site is by providing translation services. If you master two languages, you can earn money from home by translating texts and many users have recommended this site because it is relatively easy to find a job.

    Other recommended sites to get freelance work are Upwork , Freelancer or People per Hour .

Sine Credit or Request the Money You Need For Any Unforeseen



This entity has a series of characteristics that make it worth considering as the definitive solution to solve specific economic situations. A welcome offer difficult to refuse if you are looking for a first loan to boost your portfolio this month.

Dineo has multiple physical stores spread across the Spanish territory (Dineo Cash-Converters), it is possible to access one of them, and get an immediate loan, you can leave their offices with the money in your wallet. Through its portal you can select where the establishment closest to your location is located. You can find them in: Albacete, Alicante, Almeria, Badajoz, Barcelona, ​​Cádiz, Cartagena, Castellón, Córdoba, Coruña, Gijón, Granada, Guipúzcoa, Jaén, Las Palmas, Leganés, Lleida, Logroño, Madrid, Málaga, Móstoles, Murcia, Navarre, Oviedo, Palma De Mallorca, Pontevedra, Sabadell, Salamanca, Santiago de Compostela, Seville, Tarragona, Tenerife, Valencia, Valladolid, Vecindario, Vigo, Vitoria, Vizcaya, Zaragoza.

It is crucial to clarify certain factors especially if it is your first request

It is crucial to clarify certain factors especially if it is your first request

This entity offers microloans, small amounts of money ideal to solve specific situations. They should never be used to pay debts, any additional financial event may aggravate the financial situation of the client.

The amount to be requested is € 50 to € 500 and must be returned within a period of 5 to 30 days, there is also the possibility of extending the return period. The percentage of interest is between 6% and 35%, this will depend on the return period and the amount requested. All the processing is online, the process generates a response from the entity in a few minutes.

Online loans have become very important, it is a fast and efficient service and they present themselves as a strong alternative to bank loans. An application through the bank requires moving to the branch, waiting to be attended, completing a form and an exhaustive evaluation of the level of solvency of the client, besides it is not a service for the unemployed.

It is possible that a bank guarantee or goods are requested as a guarantee of payment. This is accompanied by explanations of the use of money after this process, perhaps it is necessary in case of not being the bank in which you are registered, to hire an additional service such as a credit card. This requires maintenance may also charge opening fees. You must assess the characteristics of the service of the borrower.

These consumer loans are ideal for specific situations such as acquiring material goods, repairing the car breakdown, paying offenses, etc. These microloans are easier to obtain through Dineo credit and similar entities, the bank offers access to higher amounts and requirements.

What will you need for your credit Dineo application?

What will you need for your credit Dineo application?

It will be necessary for the entity to verify the identity of the client, therefore have your ID / NIE at hand, it is not the only method, through an extract of the bank account or your online bank they will be able to verify the information and analyze the level of solvency .

These loans are granted quickly, it will be necessary for the user to fill out an application, but in this process you must create your profile through the customer area, everything can end in 8 minutes and with the money in your account, it will also be necessary to provide a number of telephone and a personal email.

What conditions must I meet in order for the application to be eligible?

What conditions must I meet in order for the application to be eligible?

Being of legal age will be a fundamental requirement

Have valid documentation DNI / NIE

Reside in Spain on a regular basis

Own a registered account in Spanish banks

What will that first loan be like?


With Dineo credit there is a promotion for users who are their customers for the first time. They can get up to € 300 without interest , they only pay what they have requested. This loan must be returned within a maximum period of 30 days, but remember that the longer the refund will increase the interest rate.

Your second loan by having the customer profile created, facilitates the processing and you could get the money even in less time. The final loan in your account is subject to the time of the bank where you are registered and if you work with Dineo credit, the time to obtain it could be between 24 and 48 hours.

How do I return the loan?


This entity works with Santander bank, this is where you must enter the refund within the agreed term to your account number. At the time of making the transfer, the concept must be specified: Loan number and DNI.

What happens if I can not pay my loan on time?

What happens if I can not pay my loan on time?

To avoid incurring defaults there is the possibility of extending the return period: you must inform the entity how much additional time you need and pay the respective commission to the extension period. The refund can be made both in their physical stores and online.

Over 500m accounts hit in Marriott data breach

Over 500m accounts hit in Marriott data breach

Updated / Friday, 30 Nov 2018 21:55 Marriott said that information on 500,000 guests could have been exposed

Has been said to have posted up to 500 million customer records in its Starwood Hotels reservation system in the past four years ago, exposing data including passport numbers and payment cards.

Shares fell 6% on news of the hack, one of the largest in history, which prompted regulators in Britain and at least five US states to launch investigations.

The FBI said it was Star Wars, whose brands include Sheraton, St Regis, W and Westin hotels.

Crime Complaint Center.

The hack began in 2014, a year before Marriott offered to buy Starwood to create the world’s largest hotel operator.

The € 12 billion deal closed in September 2016.

Some 327 million customer records containing information including passport details, birthdates, addresses, phone numbers and email addresses were exposed, according to the company.

The hackers also accessed payment for the undisclosed number of customers, the company said.

“Said Mark Rasch, a former US federal cyber crimes prosecutor,” said Mark Rasch.

He said he learned about the breach on 8 September.

“We fell short of what our guests deserve,” Marriott Chief Executive Arne Sorenson said in a statement.

The Marriott Group owns five hotels in Ireland.

However, just two of those, the Westin in Dublin and Sheraton Athlone, say they’ve been using the Starwood reservation system in recent years.

The Data Protection Commission said it will be contacting the Marriott Group on the subject.


Marriott International hotel group reveals up to 500,000,000,000 customer records in one of its reservation systems by hackers – @willgoodbody reports

– RTÉ News (@rtenews) November 30, 2018

Company representatives could not be reached to explain why this article was published.

Attorneys general in Connecticut, Illinois, Massachusetts, New York and Pennsylvania said they would investigate the attack as the UK’s Information Commissioner’s Office.

“The public deserves to know how this happened,” Massachusetts Attorney General Maura Healey said in a statement.

A representative with the US Federal Trade Commission declined to comment.

Marriott said he would be interested in the breach starting today.

Yahoo! 2013 accounted for the second largest record after one at Yahoo.

€ 176m after massive payment-card breaches in 2013 and 2014.

The impact of the financial impact of the breach was too high.

The hotel chain said it was working with its insurance carriers to assess coverage.


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