Vives Pons Team wish you a Merry Cristmas and a Happy New Year!!
Boyka: Undisputed IV (2017)
|Writer||:||Tony Mosher, David N. White.|
|Producer||:||Boaz Davidson, Isaac Florentine, Mark Gill, Trevor Short, John Thompson, Les Weldon.|
|Release||:||April 18, 2017|
|Country||:||Bulgaria, United States of America.|
|Production Company||:||Nu Boyana Viburno.|
Movie ‘Boyka: Undisputed IV’ was released in April 18, 2017 in genre Action. Todor Chapkanov was directed this movie and starring by Scott Adkins. This movie tell story about In the fourth installment of the fighting franchise, Boyka is shooting for the big leagues when an accidental death in the ring makes him question everything he stands for. When he finds out the wife of the man he accidentally killed is in trouble, Boyka offers to fight in a series of impossible battles to free her from a life of servitude
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Por nuestra experiencia diaria con empresas, pymes y autónomos, en Vives Pons & Asociados sabemos que el asesoramiento contable es uno de los trabajos más demandados en el mercado laboral. Todas las empresas, sin importar su actividad económica, necesitan un contable en mayor o menor medida que les lleve sus números al día y les permita cumplir con sus obligaciones fiscales, legales y financieras.
Además de su labor en la administración económica de la empresa, un contable ha de estar dotado de los conocimientos y competencias necesarias para poder llevar a cabo su trabajo. Más allá de esto, el trabajo de contable se tiene contextualizado como mecánico y aburrido. Podéis hacer la prueba de preguntar a alguien ajeno a la profesión sobre las tareas que este desarrolla. Seguramente te afirme que es un ser que se tira todo el día haciendo numeritos y pagando impuestos.
Pero nada más lejos de la realidad dentro de las oficinas modernas. Las tecnologías, los continuos cambios fiscales y los nuevos modelos de negocios hacen que el contable del Siglo XXI sea alguien con cualidades muy diferentes.
Beneficios que aporta un buen contable a la empresa
Llevar un registro contable siempre es importante. Es cierto, sobre todo en pequeñas empresas o proyectos, que tal vez no se pueda tener en plantilla a un profesional de estas características, pero los servicios externalizados nos permiten cubrir esta necesidad abaratando costes.
A la hora de gestionar una compañía, es importante comprender que las cuentas deben ser transparentes y estar al día. Algo que se intensifica cuando intervienen diferentes socios en una misma empresa. De esta forma, llevar un control exhaustivo de todo lo que sucede ayudaría a preservar la confianza y mejorar las relaciones entre los socios, ver la viabilidad económica y tener una base para futuras decisiones.
Un buen contable puede convertirse en el mejor consejero de tu negocio
Contar con un experto contable dentro de la empresa nos debe garantizar cierta tranquilidad a nivel legal y financiero, ya que no siempre el empresario está al día o conoce a la perfección la legislación que afecta o puede afectar al negocio. No solo eso, también nos ayuda a prevenir situaciones financieras delicadas, reducir tensiones de tesorería o a sacar partido a la liquidez que tiene una empresa cuando exista.
Igualmente, no solo llevará el registro de los libros contables, sino que también se asegurará de que sus datos son correctos. Algo que suele suceder en los negocios de menor tamaño es que el dueño suele ser polivalente y entre sus tareas también está ocuparse de la contabilidad. Esto puede ser viable cuando las tareas de contabilidad son sencillas pero no cuando están comienzan a volverse más complejas. Sea como fuere, con un buen contable evitarás que estos errores, a la larga, puedan costarte caros:
- Perder o tirar a la basura recibos en vez de archivarlos.
- No registrar todos los gastos.
- No llevar registro de la caja.
- Errores en el balance de activo/pasivo de la empresa.
- Pasar por alto alguna puntualización de contratos y documentos legales.
En Vives Pons & Asociados somos expertos en la asesoría fiscal, laboral y contable para autónomos, pymes y empresas.
Nos encontrarás en el centro de Dénia, en la calle Pare Pere (muy cerca de la Glorieta).
Contact your Accountants in Spain-Costa Blanca!
The income tax return for 2015 is due soon! From 6th of april you can submit your taxes in Spain. Are you ready? As a general rule, everyone has a duty to present the Income Tax return for income from the 1st of January to the 31st of December.
The exceptions to the rule (those who are not obliged to declare Income Tax) are:
- Those who obtain a global yearly income of no more than 1.000 €, regardless of the nature of the income.
- Those who have losses in their Capital Gains of 500 € or more.
- Those who exclusively receive one or more of the following Incomes:
A. Salaries or pensions, with the following limits:
1. As a general rule those who receive up to 22.000 € from only one payer.
2. Those who receive up to 22.000 € from more than one payer providing that they also comply with the circumstances below:
- The amount of the income received jointly by the second and further payers does not exceed 1.500 €.
- That the sole income received is the described in Article 17.2.a of Law 35/2006 and according to the special regulations there has been a retention at source. (those incomes from Social Security pensions, Government, disability, retirement, pension schemes, amongst others).
3. Those who receive up to 12.000 € when any of the following circumstances arise:
- When it proceeds from more than one payer and the addition of the second and further pensions/salaries are together over 1.500 €.
- The income has the nature of divorce maintenance.
- The payer is not obliged to retain according to the regulations. (for example: pensions from abroad).
- When the income is subject to a fixed rate of retention (for example: company directors).
B. Net Returns of movable assets and Capital Gains
Both subject to retention, with a limit for both of 1.600 €.
C. Deemed Income
Deemed Income provided from tenancy of second home, returns from movable assets without retentions (treasury debts) and subsidiaries to buy an officially protected house, with the limit of 1.000 €.
Apart from the above exclusions, there is an obligation to declare an Income Tax return those tax payers with a right to deductions from:
- Investment in special account for the purchase of a home.
- International Double Taxation.
- Contributions to disabled persons individual assets.
- Pension plans.
- Insured pension plans and others.
- Dependency insurance.
Note that these limits are per tax return. If you decide on a joint return, the same limits apply (there’s no increase in the limit).
Contact for a free consultation at email@example.com or visit or website at www.vivespons.com
Become a new client of Vives Pons by trying new professional tax planning experience.
We are specialist in tax planning with more than 15 years of experience providing tax services in Spain to expats from all European Countries.
Vives Pons & Asociados is a multidisciplinary firm with more than 15 years of experience in legal and tax advisory services, as well as urban and architectural projects, building, conveyancing and Real Estate in Denia and Costa Blanca.
Since 1998 Vives Pons & Asociados has dealt with more than 5.500 clients from a variety of countries such as Spain, The United Kingdom, Germany, Holland, Norway, Denmark, France, Switzerland, Sweden, Portugal, United States, China, South Africa, Chile, Costa Rica and many more.
International Integral Services
We offer an integral service on an international scale, provided by highly qualified professionals in all areas, in the business and private client’s areas. From our offices in Denia, Vives Pons & Asociados, offers you the best service advice to support your investment, in Spain and worldwide.
You do not have to worry about anything, only to invest your time in those things which are most important to you, and for this you can count on a totally reliable team, with a full understanding and knowledge of the Spanish and the English systems, and with a wide experience in both jurisdictions.
Business law services, Accounting advise & architectural services
Our commitment with the business world allows us to offer you efficient and effective solutions, adding value to your company’s management and representing the interest of your business on every level.
In order to do this we put a great team of architects project managers, Business law Lawyers, tax advisors and accountants at your disposition who will help to prevent and solve your problems and queries derived from your business activity in an efficient and effective manner.
Our promise to provide the best quality service at Vives Pons & Asociados has helped us to gain and maintain the trust of hundreds of clients, Spanish and International.
A drop in orders, a shortage of work, rising costs, slowing demand, weak margins. All these things can damage a small business. But ultimately, the only reason to board up the door and bring in the receivers is a lack of cash.
Setting up a Business in Spain and Costa Blanca
You started a business because you’re good at what you do. Many small businesses are, yet so many still fail. Tragically, many of them had plenty of customers and a strong order book, but ran out of cash, either because invoices were paid too late or the bank wouldn’t extend credit. To avoid that happening to you, follow these five tips for keeping on top of king cash.
Plan your cash flow
The worst thing for a business to do is believe it has no control over cash flow. Don’t leave it all to your customers. You can influence what jobs you take, how much you pay for materials and services and when you are paid. But you need to forecast and plan, and you need to learn to pull the right levers.
Do you know how much cash the business will have in a week, a month, three months or a year? If not, then you don’t know what sort of jobs are best to take. A big job might be more profitable – great if you have plenty of cash in the bank. But if you need cash in the next eight weeks and the job is four months long, you might be storing up trouble.
In truth, working with reliable, quick-paying clients can be better than working on big jobs, at least initially. If it means slightly slimmer profits, well, it’s better than not being able to pay yourself (or worse).
Keep bookkeeping up to date every day
Bookkeeping is a chore so easily put off, particularly if you’re the one doing most of the actual work. But if you don’t keep the books up to date, then cash flow will come back to bite you. You’ll kick yourself if you could have done something about a cash flow problem if only you’d known earlier.
Fortunately, there are tools available that take the grind out of bookkeeping and help you keep on top of it every day. Online bookkeeping software can be accessed from anywhere, so you can check and update it on your smartphone or tablet while out and about. Modern technologies mean there’s no reason to get behind with the books.
Invoice on time, get paid on time
Keeping your books up to date is the first step in making sure you get paid on time. The next is making sure you invoice as soon as you can. Software tools are now available to help small businesses automate much of the invoicing process, picking up data from purchase orders and drawing up customer details from your records.
If you’ve invoiced quickly, you can let your customers know when you expect to be paid. Some customers will run longer-than-standard payment terms, say 60 days. But there’s no reason not to remind them as soon as the invoice is overdue – or even just before it falls due. And try to persuade customers to pay by bank transfer rather than check, as it will speed up the process.
Keep the bank happy
Your bank accounts can be integrated with online bookkeeping software, making it easier to make quick cash flow decisions. Accidentally going over your overdraft limit can be a painful mistake. Being proactive will help you keep your bank onside and gain access to finances when you most need it.
Explore alternative financing options
If you know you’re going to need cash in the short term and renegotiating with the bank is out of the question, there are other forms of finance which are preferable to damaging your credit rating. Ask your customers if they’re interested in early payment discounts, as they might be looking to save money. Some clients will also offer invoice finance though a third party, while online markets will buy invoices from you and offer rapid access to cash, at a price.
Cash is the most important thing for any small business owner to master. Get it under control using these tips, and your business will be in a superb position to flourish and grow.
No matter what kind of work you do, if you want to succeed running small business you need to master the books.
Vives Pons offers you the best software for small businesses in the market. SageOne:
- Easy to use, you don’t need to known accountancy.
- We include SageOne in our monthly fees.
- You can make and email to your clients invoices and quotes.
- Totally connected with Vives Pons.
- Access with you mobile phone.
- You can plan your own taxes quarterly.
- Vives Pons help you to organize your business.
Please, ask us for a quote. We offer you good prices according to your needs. Vives Pons & Asociados offer you tax advice & tax planning.
You founded your business on a great idea, and you execute on that idea superbly.
But to stay successful, there’s one more critical thing you need to do: get on top of cash flow before it gets on top of you. It’s the reason companies with perfectly respectable paper profits can plunge into bankruptcy. Why?
More customers = more complexity
The quick answer is that running a business, even a very profitable one, costs money. You might be seeing growing sales and happy customers, but you’re also spending on materials, staff and premises while servicing finance.
When businesses grow, they quickly become more complex. This complexity makes it more difficult to see the cash position now, and forecast what it will be in weeks’ and months’ time.
When you have just a few customers, keeping on top of their payments is fairly easy. You can do it in your head. But if you have hundreds of customers, who’s checking when they will all pay? Do you know if they’re paying late? Is anyone chasing them for payment?
Manage spend wisely
The same applies to spending. Understanding cash flow is critical when working with suppliers. You need to understand how many suppliers you have, what you pay them, and when.
For example, do you spend more with a supplier to get a high-volume discount on materials, or keep hold of cash and buy in small amounts at a higher price? It’s impossible to make these decisions without knowing and forecasting your cash position.
Timing capital investments
Meanwhile, growing businesses require more capital. At some point, if you’re ambitious, you’ll need to make some big decisions. When do you need larger premises? When do you need a bigger IT system? If you’re making things, do you need more machinery? Do you need to hire more people?
You’ll need to make these investments if you are to keep your customers (and your employees) happy. Crucially, you’ll need to do so before they pay you. And it would be suicidal to do so if you don’t understand the cash position of the business, now and in the future. Remember you’ll also need to keep the business running day to day, spending on bills, taxes, small items, travel and rent.
Don’t lose sight of cash
Small business owners are often very focused on gaining new customers and satisfying the ones they have.
The problem is, if no-one is focusing on liquidity, things can go wrong very quickly. If two customers fail to pay substantial invoices in the same week you settle a big supplier bill, you have to hope the bank will extend your finance. If it doesn’t, you could be in trouble.
It’s worth repeating that this frequently happens in otherwise successful, growing businesses – and often causes their downfall.
Get a cashflow forecast in place
Accountants will tell you that cash flow problems rarely occur out of the blue. The chances are the warning signs have been there for a while, but no-one has noticed them.
The vital question is: do you know what your cash position will be in six months’ time? If not, you may struggle to cope when things go wrong. If you can forecast that far forward, and it doesn’t look good, you still have time to put in place a strategy to make it through the difficult growth period.
And it’s important not to confuse the bank balance with the cash book. Managing the business from the bank balance is like driving a car by looking only in the rear view mirror. You’re seeing what’s gone past, not the pothole you’re about to hit. A good cashbook will lead to better forecasting.
The right tools can help
The tools for efficient bookkeeping are getting easier to use and are available, via the cloud, on a pay-as-you-go basis. Conquering cash flow won’t hold you back; it will be a catalyst for driving the business forward. Doing it proactively is more efficient than firefighting, and gives you more time to spend with customers and keep the business growing.
How comfortable are you with your bookkeeping?
No matter what kind of work you do, if you want to succeed running small business you need to master the books. But how are you finding that task? Take our quiz to understand your style of financial management and get tips on how to improve.
How to get the most from your accountant in Spain and Costa Blanca? According our experience in tax advice & tax planing in Denia – Marina Alta – Costa Blanca – Spain, Vives Pons & Asociados advice you about how to use your accountant’s time wisely:
A good, experienced accountant could save your business thousands, and even help you find new ways to grow. But if they need to spend most of their time sorting out messy paper work and making sense of your accounts just to file a mandatory tax return, you will not be getting that value for money.
If you learn to work with accountants in a productive way, on well prepared books, you could benefit from their years helping businesses tackle similar problems to the ones you face and get more from the fees you pay them. So, how do you get the maximum value from your accountant? Here are seven suggestions:
Shop around to find the right accountant for your business
If you’re hoping for something more than checking the books and filing the tax return, then it’s a good idea to get the best fit for your business.
The big firms will have more resources, but it’s also worth checking out smaller players who understand your industry. If you work in quite a specialist field, this means you avoid having to repeatedly explain the basics, so you get more value from their time.
Ask for help, early
It’s no good engaging an accountant two days before your tax return is due. They may be able to provide some help in that time, but to make a real difference, they can help you set up professional bookkeeping and financial management so they can offer the best guidance throughout the year.
Be clear about what you need
Give your accountant some guidance on what you’re looking for. Is it the statutory requirements, or strategic financial advice? If don’t ask, you’ll probably end up with the minimum service. If you want more than that, you need to understand what they can offer and what you need from them.
Make sure the books are in order
If the books are in a mess, your accountant will spend time sorting them out, rather than analyzing your business and giving you valuable advice. There’s no point paying their fees only to have them spend the day adding up receipts. If you don’t have time to sort the books out yourself, a more cost-effective way is to find a bookkeeper (rather than a qualified accountant) to do it for you. There’s plenty of software available to help you keep the books up to date. The latest tools work in the cloud so you can, for example, scan and file receipts whether in the office, at home or on the move using tablets and smartphones as well as the office computer.
Respect their experience and learn from them
An accountant probably won’t know your business or industry as well as you do, so you may find they start with some basic questions. They may also make comments about the way you manage your finances that you don’t agree with. Try to resist being defensive. If you’re paying for their advice, it’s because they have knowledge and experience that’s useful to you. Hear them out, as there may be something valuable you can learn from them.
Stay in touch
Don’t think the job is done for another year once your accountant has filed the tax return. If you’ve been efficient in your dealings with your accountant and given them up-to-date, easy to read books, they should be able to give you ongoing tips on how to save money and run the business better. Quarterly follow-up calls can help keep your plans on track between annual visits. If you’re using cloud-based accounting software you can give your accountant access to it from anywhere, so they can check the latest figures and offer advice without having to visit your office.
Break out the fancy biscuits
Lastly, make sure your accountant feels welcome in your office. Don’t shut them in a cupboard full of dusty old files or give the desk in the corner. Believe it or not, accountants are people too. Talk to them and share some news about the business. Making them comfortable and at home will encourage a spirit of good will. Remember, they have lots of contacts in your area or your industry which you could find useful. A nice biscuit or two can go a long way.
No matter what kind of work you do, if you want to succeed running small business you need to master the books. But how are you finding that task? Take our quiz to understand your style of financial management and get tips on how to improve.
Vives Pons & Asociados offer you tax advice & tax planing in Denia – Marina Alta – Costa Blanca – Spain.
Deciding to go off on your own is no easy feat and it shouldn’t be a decision that is made overnight. People choose to start their own small businesses for a number of reasons, often taking a huge risk in order to make their dream a reality. Afterwards you’ll have consider several points which accounting companies as Vives Pons will be able to advice offering integral services for business. But, don’t worry: one step at a time!
Because there is so much at stake, it’s important to know exactly what you’re getting in to and more importantly, if you have what it takes. We’ve compiled this list of 10 questions that every aspiring entrepreneur should ask and answer honestly before quitting their job and starting their own venture in Spain and Costa Blanca.
Do I enjoy a challenge?
As an entrepreneur, you’ll be faced with numerous challenges, many of which will be ones you’ve never had to deal with before. You need to ask yourself how you normally react when things get tough and you’re faced with trying times or situations. If challenges make you want to run in the opposite direction and avoid them at all costs, then you should think long and hard before taking the plunge. On the other hand, if they excite you and motivate you, then you’re off to a great start.
Am I a self-starter?
As we’ve mentioned in the past, part of the appeal of becoming an entrepreneur is the fact that you get to be your own boss – this can either be a blessing or a curse. When you’re running your own business, there won’t be a manager or boss telling you what to do or peering over your shoulder. You’ll be responsible for motivating yourself and getting things going, so if you’re prone to procrastination, then you’ll likely need all the help you can get.
Am I passionate about what I’m going to be doing?
Pursuing your own business dreams takes focus, hard work and long-term commitment, and the reality is, that if you’re not passionate about what you’re doing, then it’s much harder to have the right attitude. Believing in what you’re doing or offering is a great motivator and the easiest way to secure success.
How am I at handling the unknown?
When you go out on your own, you’ll be entering new territory and possibly one with which you are not very familiar. You’ll be faced with issues and decisions you may never have been faced with in the past, and this is scary for some. If you see handling the unknown as an exciting challenge and you’re good at thinking on your feet, then you’re likely to be fine as you embark on your own business journey in Spain and Costa Blanca.
Am I a creative problem solver?
Entrepreneurs need to be able to think out of the box, especially when it comes to finding solutions to problems. If you lack problem-solving skills and go into a blind panic whenever you’re faced with a complication, then you need to decide whether or not having your own business is really the right way to go.
Is my idea profitable?
If the first step is to believe in your business idea, then the second is to be sure that it can make you money. Any time someone starts their own business, they run the risk of it not working out, but you can be sure that they knew right from the beginning that there was a need for their service or product, hence making it likely to be profitable. Thorough research and extensive testing has to be conducted beforehand to ensure that the idea you’re on to (as well as how you end up marketing it), is in fact one that can bring home the bacon.
What is my USP (unique selling point)?
When you first enter your particular market, chances are you’ll be met by lots of competition. The key then is to differentiate yourself and your product from the rest. Having a solid marketing plan in place will help to ensure that you do that successfully and that you prove to potential customers that you can do it better than anyone out there.
Have I adequately assessed the financial risks involved?
There are of course many risks that go hand-in-hand with starting your own business, one of which is financial. You need to be as prepared as possible from a money point of view before taking the plunge and this will only be possible if you thoroughly analyse what the risks are beforehand. Having access to funds is part of it because you need to feel confident that no matter what happens, especially in the beginning stages, you will be ok financially.
Do I have a solid foundation from which to launch my business?
Many entrepreneurs start working on their own projects months before they actually quit their day jobs, so as to give themselves time to save and prepare for the journey ahead. Ensuring you have a solid foundation by the time you start your own business is vital, and this includes having a clear business plan in place, as well as adequate funding and defined business goals, to name but a few things. Only once everything is in place, should you then quit your job to become a full-time entrepreneur.
Am I ready to take full responsibility for everything?
When you’re the one at the helm of a business that usually means that the buck starts and ends with you. Basking in its success is something every entrepreneur enjoys, but with the good, comes the bad as well. This means that you’ll be taking the credit when things go right, but then you’ll also be held accountable when things go wrong. Ultimately, when you own your business, you need to be ready to shoulder responsibility across the board.
Choosing to start your own business in Costa Blanca (Spain) can be overwhelming and wonderful at the same time. It takes great planning, dedication and laying of the groundwork beforehand if a business is to succeed, so it pays to know exactly what you’re getting into before you take that brave leap. If the answers to the above questions are generally positive and enthusiastic, then you’ll know you’ll be giving yourself the best possible start to something hopefully great.
While you’re doing that, Vives Pons & Asociados accountants in Spain–Costa Blanca–Denia together with Sage One will be there making sure that all your online accounting and tax planning needs are taken care of.
Choosing to follow your dreams and bring your small business idea to life takes guts, commitment, time and effort. Once the ball is rolling, it’s really easy to get caught up in the work and challenges that come with managing your own business.
That’s why we’ve decided to take this opportunity to remind you why you chose the entrepreneurial route in the first place and, more importantly, why you love what you do. Here are seven reasons why being an entrepreneur is the bee’s knees.
The obvious one: You’re your own boss
This has to be one of the most common reasons why entrepreneurs love being entrepreneurs. When you have your own business, you don’t have to answer to anyone but yourself. There may be challenges along the way, but there’s something fulfilling about leading the pack (egos aside, of course). You are the one in the driver’s seat and the direction in which your business is headed is really up to you, plus you have the flexibility you need to make decisions quickly. Decisions relating to your business are yours and there’s something liberating in that. Wave goodbye to be micromanaged.
You work your own schedule
As an entrepreneur you often get to bid farewell to the usual nine-to-five working hours. You have control of your calendar and ultimately, you’re the one dictating when you work and where. This gives you a freedom that you’re not able to experience when you’re not your own boss, and one of the many perks is that this can mean you spend more time with your family and less time doing things you don’t really enjoy.
You get to follow your passion
The catalyst for many entrepreneurs deciding to take the leap and go out on their own is very often passion. They are passionate about something, so much so, that they want to turn that passion into profit. Every day they get to develop, sell and promote products or services that they whole-heartedly believe in and love – something that is never guaranteed in a regular job when you’re working for others. Entrepreneurs get to follow their passions and that’s rewarding.
You handpick the people you work with
Entrepreneurs have the freedom to pick and choose not only who they hire, but also the people they do business with. This means that they give themselves the best chance of teaming up with the right people, both in the office and out. Who wouldn’t choose to work with people they like and who also share their vision, drive, passion and core values? This makes for an overall harmonious working environment as well as stronger and longer-lasting business relationships.
You take pride in growing something from the ground up
Sure, there will always be sacrifices you have to make as an entrepreneur, but at the end of the day, nothing is more rewarding than creating something from scratch, nurturing it and watching it grow. There’s no greater accomplishment in the world of business than seeing your idea being realised and then going from success to success – entrepreneurs take great pride in that. When it’s your own, you’re not just another cog in the wheel but rather the main reason behind your own success.
You get to leave a lasting legacy
Who wouldn’t want to leave something behind for people to remember them by? Many entrepreneurs are motivated by their desire to leave a personal legacy one day for their loved ones. The idea of a family business can be an exciting one and if it’s successful, it can get passed down from generation to generation.
You create your own destiny
When you’re running your own business you have the freedom to shape your own destiny and create your own opportunities. You have the power to decide what you get to do and if that, for example, comprises of networking and attending conferences, then so be it. Entrepreneurs control their futures and the independence that comes with owning their own business ventures allows them to make the important decisions and steer their businesses in the direction they choose.
There are endless reasons why entrepreneurs love being entrepreneurs and every so often, it’s worth taking a break and reflecting on a few of them. Especially when times get tough, it can be helpful to remember the reasons why you decided to become an entrepreneur in the first place – they may just be how you get through.