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Tiller Money Review-User-friendly Financial Planning

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While there certainly are some people in the world who enjoy managing their finances, I know that the majority of us really don’t. So, whether you’re looking for an easy way to manage your finances, or if you really are a spreadsheet connoisseur, Tiller Money may be the best option for you! This Tiller Money review is an insightful way of gaining an understanding of your finances in an easy way.

You can aggregate your financial information in one singular place as opposed to other platforms that will skew your financial information entirely. While the word spreadsheet may definitely scare some people away, keep in mind that you don’t need to have any understanding of how to use Excel or Google Sheets to take advantage of Tiller Money. It also helps you to keep track of your spending and it also provides you with daily and monthly reports on your financial activity.

Tiller Money was founded by Peter Polson in Seattle, Washington in the year 2014. It has expanded very well over time and more recently it has expanded from just Google Sheets to include Microsoft Excel. The easiest way to utilize Tiller Money is to take advantage of the Tiller Money Foundation Template. When you use it, your financial data is automatically pulled into the spreadsheet and you will be able to track your transactions, current balances, and set monthly/annual budgets.

To make sure all of your needs are met, you are able to fully customize our spreadsheet which will make your life so much easier. In only a few minutes, you are able to connect all of your accounts. From there, Tiller Money will do the rest, so you no longer have to stress about your financials. Check out this Atom Finance review for more great information!

Tiller Money features

The features offered by Tiller Money may be quite simple, but in the financial world, they are quite substantial and impressive. For the average person, Tiller Money will be more than sufficient to track finances and get into budgeting. While it may lack more advanced features such as bill paying and the tracking of your investments, the majority of people will largely benefit from using Tiller Money to manage their finances.

Daily Email Summaries

One of the best features of this is that you never have to revisit or constantly check Tiller Money to know what you need to know about your finances. In fact, users are able to set up a great daily email summary that will provide you with the details of the latest balances on your account as well as any transactions you have made. This then prevents you from any unpleasant surprises when you go to check your finances.

Create a Budget Sheet

Budgeting can be extremely hard at times, especially if you have no prior knowledge to understand what you’re doing and that’s where Tiller Moneys fully customizable budget sheet comes in. With this, you are able to easily customize different income and expense categories as well as manage multiple time frames whether it be monthly or quarterly. There are no formulas required to get it up and running and categories can even be hidden from your budget.

Automatic Data Population

Once you have connected your accounts to Tiller Money, the rest of the process happens automatically so you don’t really need to do anything. Make sure you check back every so often for the latest data on your finances, though. Tiller Money can also link to more than 10,000 institutions so pretty much anyone is able to use it.

When you connect your accounts, it is good to know that Tiller Money has your best interest at heart. You don’t give Tiller Money access to your accounts, so security is never an issue, however, Two-factor authentication via Google Sheets helps to add an additional layer of data security.

The pros and cons of Tiller Money

Tiller Money is a fantastic financial planning and budgeting platform. Your personal finance information is fed into the platform using automation and it is a great tool for anyone who struggles to manage their finances. Let’s take a look at the pros and cons.

Pros

  • Quick daily activity summaries
  • Template spreadsheets
  • Financial information is pulled automatically

Cons

  • No investment tools at all
  • Only available for use on Google Sheets and Excel

Tiller Money is highly praised for its simple and user-friendly approach to financial management as well as budgeting. It is perfect for average people, however, regular investors and people planning for retirement may want to consider looking at other platforms. Tiller Money offers a very helpful and simple solution that offers value for money which makes it great for people that are just getting into personal finance and budgeting.

Check out Tiller Money and take advantage of their 30-day free trial now.

Traits that all successful ecommerce owners have

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As any entrepreneur will tell you, running a successful business is challenging. The good news is that there are tons of resources out there offering top-notch advice on everything from finding the right business model to setting up your store correctly.

While you can use sophisticated ecommerce tools like Payment Cloud and Woo-commerce, nothing beats following the footsteps of successful entrepreneurs. Over the years, it’s become apparent that businesses thrive thanks to the input of their owners and founders.

We’ve condensed these traits into four simple habits. The habits may seem obvious, but they have a tremendous effect on the business’ overall success. Let’s examine them one after the other.

They love the customer experience

Some of the most successful companies in the world today were started by people who were unsatisfied with the status quo. They hated the available products and services and decided to do something about it. This is true for Apple, Ali Baba, and even Amazon.

The most successful ecommerce websites have the customer journey in the center. They are focused on optimizing every visitor’s experience and making sure that they leave with a great idea of the business’ offer.

Unlike physical stores, ecommerce businesses have a limited means of interacting with their customers. They can’t immediately tell if their visitors are pleased, annoyed, or ready to patronize a competitor. That’s why it’s not surprising that they’ve taken a different approach to appeal to their customers.

They focus on delivering the best possible experience through the website and other channels. Ecommerce owners understand that every customer touchpoint is an opportunity to make a great impression, and possibly earn a loyal customer.

They also ensure that their passion and value shine through at every given opportunity. You can see this in fine detail when you visit sites like Amazon. You see the impressive UI, the warranty and money-back guarantee, and of course, the customer reviews.

They tell fascinating stories

Copywriters are some of the most valuable professionals in the digital space today. Their ability to tell stories to specific audiences based on their needs is critical to selling. People also tend to gravitate to brands whose stories they understand and relate with.

And this is what sets successful ecommerce owners apart. They understand the role that stories play, and they tell them passionately. Interestingly, the audience may buy into the story without even realizing it. While some story campaigns are very in your face – like apple’s – many are also subtle, and they creep into your mind over time.

Let’s take Amazon as an example. You probably know that they pay workers higher than the required minimum wage. You also know that they focus on being a complete service to its customers, and it does this through everything from Alexa to the Amazon site itself.

The good news is that you don’t need Amazon’s large budget or an army of copywriters to tell your stories. You can do it by simply thinking of a way to share your story with your audience. The trick is to make it relevant and to reach them in the best possible medium.

Videos, FAQ sections, blog posts, newsletters, books, webinars, podcasts, documentaries are all viable means. Some of these will be more relevant to your business but they all have the potential to reach your audience

They can’t get enough of metrics

This trait isn’t just from successful ecommerce business owners. You can see it in brick and mortar businesses, and other non-business endeavors as well. Metrics can tell a very concise story about what’s going on with any undertaken.

Einstein reportedly said insanity is doing the same thing over and over but expecting a different result. The problem is, changing approaches can be tricky especially when you can’t identify the actions that work.

You need to know how much effort you’re putting into every step of the process, and how much of an overall impact it produces. From there, you can vary your approach to achieve a different result and escape Einstein’s cycle of insanity.

Successful ecommerce owners keep an eye on metrics like cost per acquisition, conversion rates, average order value, average sales over a period, and shopping cart abandonment rate. There are several others that you’ll encounter as you begin to measure your website’s metrics.

Once you have the analytics, you can make better decisions and channel your resources in the right direction. Launching an ecommerce store is a bit of a leap of faith. But after the business gets on its feet, your subsequent decisions become calculated and intentional.

You can also use data to minimize risk by testing your efforts on a small scale and using the metrics to go big.

They love feedback

Customer feedback is a different kind of metric. It tells you about the good thing you’ve done in the past and all the ways you can make it better. But it also tells you something more important – how people are feeling about your brand. Unlike conversion rates and average sales, customer feedback helps you identify, with accuracy, all the things you’re doing well, and all the things you can improve.

It also helps to focus exclusively on what the customer wants. When reviewing analytics data, ecommerce businesses tend to focus on how well they are achieving their business objectives. It’s easy for customer needs to fall out of focus. But it’s impossible to ignore your search filters when customers are constantly opening support tickets about it.

Much more than receiving feedback, successful business owners love to respond to the feedback. They may follow up with an email explaining that they’ve fixed the issue, and ask for more suggestions. They may also ask other vital questions like how the customer found the shopping experience and what features they look forward to revisiting.

The fascinating thing about feedback is that it gives your online store the same advantage as brick-and-mortar businesses. With customer feedback, you can actually tell what your customers are feeling, and find innovative ways to respond.

Government Raises Its Deficit Forecast To 8.4% Of GDP This 2021

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The Government raises its deficit forecast to 8.4% of GDP this 2021. Minister Montero estimates that it will be 7 tenths more than the figure collected in the draft of the General State Budgets.

The Government has raised the deficit forecast for 2021 to 8.4% of GDP, which is seven tenths more than the 7.7% forecast included in the General State Budget (PGE) project.

This has been advanced by the Minister of Finance and Government spokesperson, María Jesús Montero, before the Executive sends the Stability Program to Brussels this Friday with the new fiscal scenario and the update of the macroeconomic framework, as well as the Recovery and Transformation Plan and Resilience, with the package of reforms and investments that Spain intends to promote to channel the 140,000 million European reconstruction funds that it will receive until 2026.

The impact of the third wave
The minister has defended that the updated path this Friday is “consistent” with the macroeconomic picture already presented on the forecast of GDP, unemployment and employment for the next few years, and this figure does not include the impact of the pending reforms, thus it has been done under an “inertial scenario”.

Specifically, the latest update of the table contemplates a GDP growth of 6.5% for this year, below the almost 10% initially expected, due to the “strong impact” of the third wave.

The public deficit closed the year 2020 at 10.09% of GDP , excluding Sareb’s losses (with which it rose to 10.97%), below the 11.3% initially forecast by the Executive. Looking ahead to 2022, the deficit will be 5%; at 4% in 2023 and at 3.2% in 2024.

Although the minister has ensured that there is data that invite “optimism” in the face of the crisis, she has also defended that economic stimuli be maintained “as long as necessary” , since it could pose a “risk” on what has already been done. remove them ahead of time.

Sources Confirm Bucharest Palace Bought by Amir Dayan

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In 2019 Bucharest’s historic Oscar Maugsch Palace in Bucharest’s University Square was purchased by Israeli real estate investor Amir Dayan (אמיר דיין).  

According to industry sources “The property has been purchased by the Dayan family. At present, the Dayan family (משפחתו של אמיר דיין) is looking at the development options for the building, but no decision has been made yet. A team of experts is working to examine the various potential options. The Dayan family is convinced about the positive growth opportunities on the Bucharest real estate market and has many years of expertise in developing property across Europe.”

Amir Dayan (אמיר דיין) was born in Tel Aviv, Israel in 1974 to a poor family, and achieved great success due to astute investments in the real estate market. He has been active in the European hotel business and real estate field, mainly in the Netherlands, UK, and Germany since 2005. Besides Vivion, Amir Dayan is also a shareholder in various other public and private real estate projects, including Golden Capital. 

According to sources familiar with the deal, the value of the transaction surpassed the initial evaluation of EUR 20 million by some 40%, amounting to somewhere between EUR 28-30 million. The Oscar Maugsch Palace was sold by Romanian lender BCR, who had used the building as their central offices prior to relocating to more modern offices on Calea Victoriei, next to the CEC Palace in Bucharest. 

Erected in 1906, the Oscar Maugsch Palace sits across the square from the palace of the University of Bucharest and was at one time the headquarters of Generala Insurance Company until it was nationalized in 1948. The building is now listed as a Class A historical monument. 

The building is a paramount piece of history in the Romanian city. Having been completed in 1906, the Bucharest Palace has been around for more than a century. Part of the space occupied by the building used to be the garden of the Sutu Palace. Bucharest Palace takes up 4,000 square meters in the heart of the city, with another 12,000 square meters of usable space. For this reason, the building is prime real estate. This is arguably the reason Amir Dayan and his family went for the flamboyant investment. 

Colliers International was the company entrusted with performing a valuation of the property. Experts from the company found that the best course of action would be to transform the historic palace into a luxury hotel. Given that Amir Dayan has considerable experience in the hospitality realm, this is arguably the most feasible option. Further details of the evaluation indicate that repurposing the building as a luxury hotel would be 15 percent more profitable than the alternative option; turning the palace into office spaces. 

Due to its historic significance, the building is currently listed as a class A historic monument. Once everything is finalized, renovations are set to begin. Typically, luxury hotels must have at least 100 rooms, and the former Generala headquarters easily surpasses this benchmark. 

Repsol Leaves The Losses Behind

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In the first quarter of this year, Repsol left behind the losses of the two previous years. The company obtained up to March a net profit of 648 million euros , compared to the losses of 487 million euros registered in the same period of the previous year, when it proceeded to a strong adjustment in its inventories due to the decrease in the prices of crude oil and of gas and the collapse that was already noticeable in demand due to the start of the coronavirus pandemic.

The group recorded losses of 3,816 million euros in 2019 due to the depreciation of assets in North America and 3,289 million euros in 2020 due to the collapse in the price and global demand of energy caused by the pandemic.

According to the company, the earnings for the January-March period have been based on ” efficient management” that has allowed it to face the difficult context caused by the covid-19 crisis , despite the fact that the pandemic has continued to “weigh on the global economy. during the first months of the year “, which has allowed it to take advantage of the recovery that began to be observed in crude prices after their steep fall in 2020 and improve the figures obtained in the same period last year.

Adjusted net income, which specifically measures the progress of the group’s businesses, stood at 471 million euros, 5.4% higher than the first quarter of last year, with an outstanding performance in the exploration and production and production areas. chemistry.

Thus, the company chaired by Antonio Brufau pointed out that Repsol’s integrated business model has been “decisive” in achieving a positive figure in a context of great difficulty, which notably affected refining and mobility.

In this sense, the implementation of the 2021-2025 strategic plan , launched by the group last November, together with the measures it has implemented to deal with the pandemic, showed its effectiveness and was reflected in an improvement in both results with respect to those obtained in the same period of 2020.

Renewables in the stock market and with a partner
In addition, all its businesses obtained a positive operating cash flow , which for the group as a whole amounted to a total of 1,030 million euros, and a positive free cash flow, which amounted to a total of 507 million.

Repsol’s CEO, Josu Jon Imaz , valued the positive performance obtained by the group this quarter “in an extremely difficult environment that forces us to continue working hard, in the most efficient and flexible way possible.”

The company does not rule out combining the IPO and the incorporation of a partner to grow its renewables business , according to Imaz. In a conference with analysts to present the results of the first quarter, he indicated that the group is working to prepare its renewables business and have “the right vehicle” in financial terms to “accelerate” its growth.

In this sense, he pointed out that the IPO is an option, although he did not rule out “a combination” of this with the incorporation of a partner that allows to develop this business with the lowest possible cost of capital and that helps in the middle or long term to prepare that jump to the market of the renewable area.

In any case, the executive stressed that the group still has 13 months to go within the deadline given to make a decision, so he insisted that “they are not in a hurry.” What he did make clear is that the group’s objective is not to divest from this renewables business, but to “promote”, since “it is going to be important and fundamental for Repsol”.

Key Features of e-commerce Business Website that help to Increase Customers

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The penetration of smartphones and high-speed internet has led to an increase in online shopping. It is currently the most popular form of shopping during pandemic times. It is a more convenient way of shopping with a large assortment of options at the fingertips. Studies show that the market size of online shopping was around 4 trillion in 2020.

The stiff competition among brands online requires you to stand apart from your competition. Apart from sending out the right messages, the buyers prefer to shop with a productive and safe outlet. Your website must have the relevant features that enthuse trust in the minds of the customers. This article will discuss some of the key factors for success in business site.

1 : The web pages must load quickly.

There have been several studies about page load speeds, with one of them stating that pages loading in five seconds have a bounce rate of 38%. For online shops, it is more than necessary that the web page loads within the optimal time. A fast-loading website ensures that the visitors do not abandon the site midway and move to the competition.

Are you aware that web load speeds also form an integral part of keyword rankings? Your team must ensure that the site is optimized and the image size is within prescribed limits. You must also check the page load speeds regularly as well. It is because any increase in bounce rate can affect your search rankings too.

2: Ensure security of the website

Visitors always check the padlock on the address bar before visiting a website. For e-commerce websites, it is a primary activity for visitors too. Moreover, you must adhere to the PCI-DSS guidelines and be on the HTTPS platform. For SSL, you can use a wildcard SSL certificate that will secure main domain and first level subdomains that you own. It will be a low cost deal compare to single and other type of Certificates.

Ensuring website security is one of the critical features of an e-commerce business website. SSL certificates encrypt the communication between the web server and the visitor’s browser, thereby disallowing any third party from accessing the information. It is also a soft factor in keyword rankings, while Google penalizes non-HTTPS websites by marking them as “Not Secure”.

3: Facilitate easy navigation for users

Your online shop must allow the visitors to find the products they need quickly. The UX designers must keep in mind the global best practices while designing the online shop’s workflows. The design should depict the values and the brand image of your business. Similarly, it should also have an intuitive navigational path that helps visitors find the products of their choice quickly.

The banner on the landing page must depict the offers that will entice the visitors to move further across the website. There must be meaningful labels, and the product categories must be such that all the brands can easily be correlated with them. The visitors must be able to click or tap the navigation at appropriate points on the pages. The search function must be included, and using breadcrumbs are among the critical features of e-commerce business website.

4: The use of social proofs

The use of social media is rampant, with many of us preferring to use this new medium to gather knowledge about our favorite brands. It helps to build customer trust apart from allowing you to target your better through customized messages. It adds to your brand’s popularity, and visitors can assess whether your brand is better than others.

Social media can also allow your brand to gather likes and shares from other renowned brands. You can also promote the trust you have received from these organizations to stimulate additional faith in your brand. Moreover, it will also entice your audience to buy into your brand, and it will increase the number of visitors to your site. It will build credibility in your vision and lower any barriers to purchasing from your site.

5: Genuine customer reviews

It is known that your audience prefers testimonials from current customers that help to build credibility about your brand. A study shows that customers would spend 31% more on brands that have excellent testimonials. However, you must also note that negative reviews can also adversely affect your visitors. It becomes necessary that you back your product with a professional customer support team.

Apart from customer reviews, your satisfied customers can also help you with favorable word-of-mouth. Though heavily underrated, it can work wonders for your business, and when you use social media, it can also amplify your brand awareness. Ensure that you have a strong brand image from superlative products coupled with excellent customer service.

6: Helping your customers

Your audience always prefers transparency in your business. Remember to utilize high-resolution pictures that will allow the visitors to have an accurate view of your product. You must have a list of policies that are usually associated with an online shop. The shipping, warranty and return policies must be placed on your website to be easily accessible by your customers.

It would help if you also had your contact coordinates at prominent places on the website. Ideally, it would help if you placed it legibly at the top right corner on all pages. The different means to contact client support must be mentioned in a separate “Contact Us” page. Always say the total charges of the product upfront and do not hide any fees. If there are delivery fees, they must be mentioned upfront before the customer makes the payment.

7: Offer free shipping

The shipping options play an essential role in the buying behavior of customers. It is a popular option that can bring in additional customers to your website. However, before offering it, you must have a proper discussion with your logistics vendors about the costs of delivering the product within a stipulated time. Very often, you may see various websites charging a delivery fee for fast deliveries.

Before offering free shopping, you may have to plough the cost back into the product’s overall price. But in no way can you hide the shipping charges from the customer. It could lead to a loss of customer trust, and it would not be easy to gain the confidence back. Many customers also abandon the shopping cart when they find a shipping charge associated with the order.

8: Transparent cancellation and returns procedure

You would not like your customers to receive a defective product! There could be occasions when your client would want to return a product or have it replaced altogether. The clients will always check for the returns policy, and you should place it at a prominent position on the site. It should be detailed enough to mention the steps that will be taken during the return process.

The customers may wish to cancel an order that must also be allowed on the platform. Others may ask for a refund if they find that the product is not up to the required standards. These policies must also be detailed enough and easy to understand. Easy return policies can also help to enhance credibility in your operations.

9: Customer Support round the clock

The audience should be able to approach your team directly for any issues. It requires you to beef up the customer support team. Also, their contact coordinates must be placed at relevant places on the website. It is better that you devote a page for customer support activities only. It must state how the customers can reach out to the customer support team.

There is a need to enable self-service through a knowledge base that will help customers have a ready-made answer to their queries. It can improve the response times that help to satisfy the customers who prefer that. Always ensure that there is consistency in the excellent levels of customer support that you provide. Also, be proactive in solving customer problems and have processes to track the team’s performance.

10: A responsive web design

Most of your customers will access your site through their smartphones. Having a responsive website is also among the critical features of e-commerce business website that helps you to address this vast audience. Even keyword rankings also make this an essential factor, and you may lose your rank if you are not adhering to this requirement.

A responsive and user-friendly web design allows an excellent user experience while going through the site’s essential information. It also makes it easier for developers to update the web pages if there is a responsive website. You must also bear in mind that too much scrolling can turn off the customers. A responsive design ensures the effective utilization of content that can be used across different media.

Conclusion

There are several factors that the audience considers before they decide to do business with your brand. The article discusses the key factors for success in a business site. It all starts by ensuring data security by installing an SSL certificate. You must also ensure that the customers are at ease when purchasing through your website.

The transactions that are done must be safe, and the pages must also load with the optimum time. While it is difficult to make a footprint while selling online, you must adhere to these tips that have been mentioned in this article.

Government Expects That 84% Of 7000 Million Will Go To Micro-SMEs

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The Government expects that 84% of the fund of 7,000 million euros for direct aid to viable businesses that have suffered sharp drops in income due to Covid-19 will go to micro-SMEs and that 48% of the beneficiaries, freelancers and companies, will work in the hospitality sector.

His estimate has been included in the 2021-2024 Stability Program sent this Friday to the European Commission together with the National Reform Program and the Recovery, Transformation and Resilience Plan, and where the reforms and investments planned to improve the economy with charge to the first 69,528 million of the 140,000 million euros that Spain can receive from the European Next Generation EU fund.

Brussels receives the plan from Spain and begins the examination to disburse 25,000 million in 2021
The Directorate of Economic Analysis believes that another 11% of the 7,000 million in direct aid will go to small companies, 2% to medium-sized companies and another 2% to large ones . By sectors, the main recipients would be hospitality businesses (they would receive 48 % of the resources), together with administrative activities and auxiliary services (16%) and commerce (15%).

Other beneficiary sectors
The next largest beneficiaries would be the self-employed and companies involved in artistic , recreational and entertainment activities (12%), the industrial sector (4%) and transportation (4%).

Its breakdown is done by taking stock of the multiple measures deployed to help society, companies, the self-employed, families and workers to face the health and economic crisis caused by the pandemic .

According to their calculations, the wide range of measures have mobilized close to 231,000 million euros between 2020 and 2021 or the equivalent of 20.6% of GDP last year. Of these, he points out that more than 73,000 million or 6.4% of GDP have been direct aid and another 158,000 million or 14.1% corresponds to financing mobilized through guarantees, endorsements and moratoriums.

Of the total amount, another 37,283 million correspond to the Temporary Employment Regulation Files ( ERTE ) and coverage for cessation of activity and temporary disability, another 2,000 million have gone to support measures for the autonomous communities and 10,000 million to solvency funds , and 4,764 million to tax and Social Security measures.

Micro and SMEs
The 7,000 million plan for direct aid that will go, above all, to micro-SMEs and SMEs , is currently in the process of being launched through the autonomous communities as they initiate the corresponding agreement with the Treasury.

The Government will update the pensions and salaries of civil servants from 2022
The Government established almost 100 economic sectors that could access the funds and the autonomies will include new beneficiaries, including solvent companies even if they suffered losses in 2019 as it happens with some that fit ‘red numbers’ due to the bankruptcy of Thomas Cook.

They are direct aid that will be used to defray fixed costs such as those related to energy bills or rentals, as well as debt and payments to suppliers and other creditors, financial and non-financial. Companies and freelancers whose annual income has fallen more than 30% compared to 2019 will be able to take advantage of this line.

The maximum amount that could be paid out of this fund will be 3,000 euros for the self-employed under the objective estimation regime in personal income tax and for the rest it will range between 4,000 and 200,000 euros. The granting of these grants will end on December 31, 2021.

Brussels Begins The Examination To Disburse 25000 Million In 2021

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The European Commission has confirmed this Friday that it has received the Spanish recovery plan, the document with 102 reforms and 110 investments with which the Government intends to access 25,000 million euros in European aid before the end of 2021 and a total of 140,000 million during the next six years, as long as it is approved by the community institution and the rest of the partners.

“The fund will finance the country’s recovery , with projects linked to the ecological and digital transition, to cohesion and equality,” said the President of the European Commission, Ursula von der Leyen , when announcing through Twitter the reception of the Spanish plan.

The arrival of the text in the European capital is the starting gun for the Community Executive to begin examining it. The European authorities have a period of two months to carry out their analysis and if they give the green light, the plan will pass into the hands of the Member States, which will have the last word.

Once approved, Spain will receive an advance of 9,000 million euros , which would be the first tranche and would arrive in July at the earliest, provided that all member states have ratified in their national parliaments the regulations that allow Brussels to issue the debt with the that will finance this investment plan of 800,000 million (750,000 million at 2018 prices).

After the advance, any aid disbursement is conditional on the fulfillment of a series of goals and milestones that the Government will have agreed with the European Commission. In this sense, the Spanish Executive trusts in being able to receive a first disbursement of 16,000 million euros because it considers that it has already fulfilled a large part of the agreed objectives.

Payments to Spain by the European fund – baptized as Next Generation EU – throughout this year would be completed with another 2,000 million from the REACT-EU item, the disbursement of which follows another route and does not depend on the recovery plan, since they are aid destined to the autonomous communities to reinforce the health and educational systems.

Thus, the Government hopes to receive 27,000 million euros in European aid from the EU’s anti-crisis plan in 2021. The rest would be disbursed in semi-annual payments until 2026 as the goals and milestones agreed with the community authorities are met. In total, Spain expects to absorb 140,000 million, of which about 70,000 will be in the form of non-refundable direct transfers.

Negotiation table
The delivery of the Spanish recovery plan culminates months of negotiations between the Government and the European Commission, which must now examine the document . The last contacts, in fact, took place last week, when the vice presidents of Economic and Labor Affairs, Nadia Calviño and Yolanda Díaz , respectively, met with the economic vice president of the Community Executive, Valdis Dombrovskis.

The plan was unveiled two weeks ago by the President of the Government, Pedro Sánchez and is divided into four axes, 30 components and 212 measures: 110 investments and 102 reforms. Of these, the most controversial are the reform of the labor market and the reform of the public pension system, without which it would not be possible to access aid.

In general, the Spanish document foresees to allocate 39% of the funds to the ecological transition , 29% to the digital transformation, 10.5% to education and training and 7% to R + D + i .

The intention of the Government is to concentrate the deployment of investments in the first three years of the fund and channel with them 70,000 million euros between this year and 2023 to drive the recovery firmly. Among the main target sectors are sustainable mobility, the renovation of public buildings and homes or the modernization of public administration.

In addition to the Spanish plan, Brussels received this Friday the proposals from Luxembourg, Denmark and Latvia , with which there are only nine countries that have complied with the delivery of their plans within the formally set deadline and that ends this Friday. Portugal was the first country to send its reform and investment plan, followed by Greece , France , Germany and Slovakia .

The vice-president of the Commission responsible for Economic Affairs, Valdis Dombrovskis, however, already warned that he was willing to allow some flexibility in the timing in order to ensure the quality of the plans sent.

How to Avail a Personal Loan if You Are Self-Employed?

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A personal loan can prove to be immensely helpful, especially in situations such as these when the world is battling a global pandemic. If you are a self-employed professional and you have been looking for a personal loan for some time now, this post is for you as we will be discussing a step by step through which you can avail an instant personal loan from a financial institution or even a non-banking financial institution.

Features and Benefits of a Personal Loan

Before we dive into the intricacies of a personal loan, let us take a quick look at some of its most important features and benefits.

  1. Instant Eligibility Check

Most lenders in India now offer an instant eligibility check through which you can instantly get to know if you are eligible to apply for a personal loan or not. Modern NBFC lenders like Money View, make use of advanced fintech technology to check your application for eligibility and leverage the power of readily available credit scores to ensure that you meet all the criteria set out for the loan.

Since the process is entirely digital, you will get to know your eligibility hardly in a matter of minutes and thus will be able to swiftly plan your finances for the way forward.

  1. Completely Paperless

Gone are the days when you needed to physically submit your loan application and accompanying documents at either the lender’s or their agent’s office; now, local options like a Yishun money lender offer convenient online application processes. These days, most personal loan lenders have a completely online application process, meaning all you need to do is either visit the lender’s official website or download their smartphone application and upload your documents digitally to the lender’s secure servers.

Not only does a completely paperless process save you an immense amount of time, but it also gives you the freedom to fill out the application from anywhere, thus rendering an increased flexibility to the process.

  1. Competitive Rate of Interest

Although the concept of a personal loan is not entirely new, one of the most distinct features it holds is the competitive rates of interest it arrives with. Since the industry is still developing and a lot many lenders these days specialize in this service, the competition thus proves to be an advantage for the average borrower as they get a highly competitive rate of interest.

Not only this, when compared to its predecessor’s, personal loans are cheaper on the pocket to a great extent, thus adding to its flair.

  1. Flexible Tenures

If you have ever opted for a traditional loan in India, you are well aware of the fact that in most instances, they arrive with stringent repayment schedules, which allow for no flexibility and freedom to the borrower.  While this measure is taken to reduce the risk of the lender and to ensure that no defaults occur, as a borrower, it impairs your ability to better plan your personal finances.

On the other hand, most personal loans in India arrive with a flexible repayment schedule starting all the way from 12 months to 60 months. Along with this, there are lenders in the industry who allow you to customize both the EMI amount you are deemed to pay every month along with the date of payment, which allows for a greater degree of freedom and flexibility on your part as a borrower.

  1. Easy Tracking

A common problem among most borrowers of traditional loans is the fact that they often cannot track their repayments and the balance they still owe to the lender due to the fact that there is very little digital footprint of the loan.

On the other hand, since most modern lenders heavily rely on fintech technology to track their loan disbursements, all of the information you will ever require on your loan is made readily available, such that not only can you track the number of payments you have made till date but also the balance you still owe to the lender, along with the rate of interest being charged (in the case of a floating system). The companion app readily makes all this data available to you at any moment such that you can better plan your finances and prepare for the road ahead.

  1. Instant Disbursement

Last but not least, most personal loan lenders offer the feature of instant disbursement, meaning that you can get the loan amount in your bank account in less than 48 hours post approval of your loan application.

Not only does an instant disbursement guarantee that you will have the money when you need it the most, but it will also ensure that you don’t need to spend countless hours following up with the lender regarding the status of your loan application.

  1. Eligibility Criteria

The eligibility criteria for a personal loan might vary to a few degrees between lenders; however, the underlying constituents remain the same.

  • A credit score of above 6500 on a scale of 900.
  • Above the legal age of 18 or 23.
  • Minimum monthly income of ₹15,000.
  • eKYC documents (Aadhar Card and PAN Card) are available.
  • You can produce an income certificate.

How to Avail a Personal Loan?

Now that you know of all the details of a personal loan along with the pointers that make it unique, all that remains for you to do is to secure one for yourself. Mentioned below are the most significant steps you will need to follow.

  • Search for “instant personal loan in India” and go through all the personal loan offers presented to you. During this step, be mindful of the interest rate being charged as well as the tenure being offered.
  • Once the above step is complete, proceed to make a choice on the lender who suits your requirements the best.
  • Once you have chosen the lender, download their application to your smartphone or visit their official website to initiate the application process.
  • Keep your documentation (both eKYC and income information) handy, as you will be required to share these with the lender in the upcoming steps.
  • Upload all your documents, submit your application, choose the loan amount you desire along with other finer details, and complete the process.
  • Once your application is submitted, the lender will take a few hours to verify the information, and upon approval, you will receive the money in your account in less than 48 hours.

Conclusion:

Getting a personal loan for self-employed or salaried or has become easier than ever before, thanks to the number of lenders who now specialize in rendering this service. So, if you are in India, wait no more and follow the steps outlined above to secure the personal loan you require.

How can I increase my property value?

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If you’ve been thinking about how you can increase your property value but aren’t sure where to start, this is the article for you. Whether you want to raise your value before you sell or simply want to improve your property for your future, there are plenty of options you can look into.  

  1. Add a bedroom  

For those wanting to add significant value to the home, increasing the number of bedrooms available is the best way to do it. With a few different ways to do this, we would recommend either –

  • Extending your house to add more space to build a bedroom 
  • Converting an unused garage or conservatory  
  • Taking the largest room and split it into two.  

If you’re looking to add another bedroom to increase your property value, there are a couple of things you need to know before you begin. Splitting one room into two can be a cheaper decision, but if you’re not careful, it can result in your value decreasing. Do some measuring first, and make sure that the two rooms will meet the regulated size. You should also consider what would benefit your house more, two smaller bedrooms or one large one? If your home isn’t particularly suitable for a family, for example, two small rooms may not be as popular as a larger one.  

  • Deal with any structural issues  

Three of the most severe issues that will decrease a houses’ value is subsidence, dampness, or Japanese knotweed. If your property suffers from these, your value will drop steeply as your buyer will need to pay for the reparations – as well as this, some houses with severe cases of subsidence or damp can be unmortgageable, making them harder to sell. 

Repairing these issues is not a cheap or easy fix, which is why it affects your value so much when you sell. If you’re in a position to resolve them, it will dramatically increase your property value, allowing you to sell for a much higher price.  

  • Create an office space  

Since the start of the pandemic, working from home has become standard for millions of us and is likely to be the same case for the coming months. Due to this, properties with a designated space to work from home in are becoming more and more desirable, with it being regularly searched for on Rightmove and is a must for many buyers.  

You can add an office space to your home in a few ways, but the most popular is by taking a spare room and redesigning it into a working space. Using a small, unused bedroom is the simplest way to do this. Some homeowners are worried about transforming a bedroom into an office space, but you can show that the room can have multiple purposes to reach a broader market of buyers; perfect for anyone who has been asking themselves, “how can I sell my house fast?”.  

  • Update the garden  

Gardens have always been a very popular choice when buying a house, but they have become even more in demand in the past year. Outside areas are impressively versatile, and no matter how much space you’ve got, you can make the most of it to help raise your house value.  

Some houses have grassy sections in the garden, and the best way to make this as attractive as possible is to maintain it well, keep it cut and healthy, and add complementary features, such as flowerpots, vegetable patches, or even a greenhouse. A shed can also help to boost the value as it provides additional storage.  

If you have more of a courtyard area at home, creating a space that offers seating will make it more inviting. Over the last year, some homeowners have started to build their own bars in courtyards, which will help to build your value and encourage your potential viewers to put in an offer.  

  • Renovate the bathrooms 

Redoing the bathrooms in your house can make a huge difference when you’re looking to increase property value. A total renovation will achieve the most significant growth, but you can work around the budget you’ve got and still see your value increase. When looking to redo a bathroom, it’s best to have both a bath and shower, whether you choose to have them as separate facilities or as a shower over a bath, as this will mean you can appeal to any viewer as most of them will have a preference for one or the other. White suites are the best option as they will match all colour schemes and are timeless, compared to peachy, pink, or avocado green suites that were big in the ’80s but are no longer desirable.  

Another popular choice if you’re not in the position to completely update your bathroom is to work on some key points that will make a big difference when you enter the room. Updating any old-fashioned tiling is a good option and can help make the room look much more spacious, especially if you choose very large tiles instead of the smaller ones often found in bathrooms. Providing extra storage is also a good idea, whether you decide to box in the sink and create cupboards underneath or look at floating cabinets – storage is very desirable and will help keep the bathroom more organised, which will appeal to any buyer.  

A minimal change that can make all the difference is introducing plants into the bathroom. These provide beauty, colour, and air-cleansing properties, making any potential viewer keen to see more!  

  • Redecorate throughout the house  

Before you sell your house, most people will suggest that you redecorate it first. The good thing about looking to decorate when you sell is that you can make it happen on any budget, and it will almost always help you sell faster.  

While simple redecoration won’t particularly affect your value, it will encourage your viewers to place an offer and can result in them submitting a slightly higher offer than they would have done originally.  

For those who are working with a bigger budget and are looking to make some significant changes to sell, you should always plan and outline your spending. The key is to ensure that you’re not paying out more than you will increase your value by when you sell, so you can benefit when you achieve your sale!  

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