The team of Vives Pons, specialist in the areas of Taxation, Labor, Accounting, Architecture, Construction and Real Estate in Dénia and Marina Alta, wishes you a Merry Christmas and a prosperous new year.
Vives Pons & Asociados was enjoying an amazing day with Benitachell Bowls Club last weekend. We have been sponsoring the Triples Classic, which had a generous prize money. Finally the winners were Janet Neale, Annie Jones both BBC and Nick Cole, from Javea Green. All of them played over 2 days with 28 teams competing for the title, getting the trophy and the fantastic prize sponsoring by Vives Pons.Also, Runners-up were Derek & Lynn Eldon with Yvonne Briden (El Cid) and in third place, Maggie Lawley, Clive Langan and Yvonne Browne (BBC).
Vives Pons: Official Sponsor of Benitachell Bowls Club
Salvador Vives was in the cerimony to give the trophy and the fantastic prize. Vives was very grateful to the organization by trusting again in Vives Pons and pointed that Vives Pons going on supporting Benitachell Bowls Club in future. “For Vives Pons & Asociados has been a pleasure to share a fantastic time with our friends of Bowlings Benitachell. Many thanks for trusting in us and for your commitment”, said to them.
Boyka: Undisputed IV (2017) HD
|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.|
‘Boyka: Undisputed IV’ is a movie genre Action, was released in April 18, 2017. 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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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 firstname.lastname@example.org 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.
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.
En este 2016 Vives Pons & Asociados continuará recuperando las entrevistas que la Asociación de Jóvenes Empresarios de la Provincia de Alicante (JOVEMPA) grabó con motivo del ciclo dedicado a grandes empresarios, bajo el título: 12 talentos alicantinos. Tras las protagonizadas por Joan Server (Rolser) y el reposterio Paco Torreblanca, en este nuevo post podréis disfrutar con las opiniones de Alfonso Vegara, empresario de referencia dedicado a las empresas de servicio y más en concreto, aquellas conectadas con el mundo del conocimiento.
Planificación Urbanística y Empresa
Con una formación académica multidisplicinar (Licenciado en Economía Regional y Urbana por la Universidad de Valencia y en Sociología por la Universidad Complutense), Vegara habla en esta entrevista de diferentes aspectos relacionados con el mundo de la empresa y la planificación urbanística, considerando su experiencia y conocimiento de la materia como doctor en Planificación Regional y Urbana.
Además de ser patrono de la Fundación Eisenhower, con sede en Filadelfia, Vegara ha realizado proyectos en ciudades como Singapur, Londres o Roma, además de trabajar en paises tan distintos como Cuba, Marruecos, Estados Unidos o Argentina.
Competitividad empresarial y Eco-ciudades
Su visión sobre la necesidad de asumir riesgos, su apuesta por las ciudades y el territorio como marcos para generar competitividad empresarial, con especial hincapié en las Ecociudades (urbes sostenibles, equilibradas e inteligentes) ,y la regeneración de sectores tradicionales que complementen a los Clusters (agrupamientos de agentes económicos y sociales) son algunas de sus recetas para los nuevos tiempos, como lo es la Eco-construcción. Puntos de vista que Vives Pons, como empresa de emprendedores y equipo multidisplicinar que ofrece un servicio integral (Asesoría, Legal, Diseño-Arquitectura, Promociones-Construcciones) comparte plenamente.
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.
Vives Pons & Asociados has a team of professionals with a solid experience in employment, accountancy and tax advisory services, providing you with the best tools to manage your business, and allowing full control of it at all times.
Experts in Inheritance Tax
One of the most important problem for expats and residents in Spain is the Inheritance Tax. As you know, Inheritance Tax in one of the most relevant fiscal tools in Spain. It’s legal state base for Non-residents is regulated by the LAW 29/1987 of the 18th of December, Developed by the “Real Decreto 1629/91”.
Inheritance tax rates will vary according to the location, In the Valencian Community the legal base is constituted by Law 13/1997 with multiple modifications, the last one being 10/2006. This last modification affects individuals that have residence in the Valencian Community and meet the following conditions:
- During the last five years the individual has presented tax returns in Spain.
- The individual must be duly registered as a resident of the town where the individual lives.
- The last domicile of the deceased being within the Valencian community
- The following will be taxed as per the previously mentioned modification;
All assets aquired by inheritance
The acquisition of assests and rights by means of donation or other legal business, totally free and between living individuals.
Receiving funds from life insurance policies, when the beneficiary is not the same individual as the contractor.
The taxable base shall be constituted by the following:
“mortis causa” transmissions, Individual aquiremient value of all assets in Spanish territory, for example, Property, bank accounts, cars, we must calculate the real value of these assets by discounting any mortgage, charges or liens we are also able to offset expenses such as funeral costs, medical treatment, inheritance court proceedings, etc…
We must point out that personal effects from the home also account as hereditary mass and shall be taxed at 3%.
“inter vivos” transmissions, net value of assets and rights acquired, in other words, the real value of assets and rights less the deductible charges and expenses .
Amounts received by the beneficiary. Any amount received as life insurance payment shall be summed to the hereditary mass for taxation.
If you have any doubt or need advice with your fiscal, taxes, conveyance or businees in Spain, let us help you. Conctac with Vives Pons & Asociados and forget problems. You’ll find in Denia, in Costa Blanca. Give us a call: 966432624. Email: email@example.com
Desde comienzos de octubre el Estatuto del Autónomo ha sufrido ciertas modificaciones como consecuencia de la aplicación de la Ley 31/2015. Como asesores de autónomos y pymes, Vives Pons & Asociados os resume cuáles son esos cambios y en qué medida pueden afectaros:
Cambios para los autónomos
A partir de ahora quien se dé de alta como autónomo podrá contar con una cuota fija de pago en la Seguridad Social de 50 euros al mes durante seis meses. Una vez finalizado este periodo el autónomo se beneficiará de un sistema de bonificaciones progresivas. Asimismo, podrán solicitar la tarifa plata también los autónomos que contraten trabajadores.watch full Beauty and the Beast film
Capitalización del paro:
A partir de ahora no existe un límite de edad a la hora de solicitar el 100% de la prestación por desempleo en un pago único, el cual facilite la financiación de la puesta en marcha de un negocio.
Alta en autónomos y enel paro:
Con la aprobación de la Ley 31/2015, queda permitido darse de alta en el Régimen Especial de Trabajadores Autónomos (RETA) y seguir cobrando el paro durante un máximo de nueve meses.
Al darse de alta como autónomo, y en el caso de que un profesional esté cobrando el paro en ese momento, es posible pedir que se le guarde la cantidad pendiente y recuperarla hasta cinco años después.
Más derechos para los TRADE:
También se ha modificado una de las principales características restrictivas de este colectivo: no tener a su cargo trabajadores por cuenta ajena ni contratar o subcontratar parte o toda la actividad con terceros.
Dicha prohibición no será de aplicación, cuando exista riesgo durante el embarazo y riesgo durante la lactancia natural de un menor de nueve meses; en los periodos de descanso por maternidad, paternidad, adopción o acogimiento, preadoptivo o permanente; para el cuidado de menores de siete años que tengan a su cargo, cuando se tenga a su cargo un familiar en situación de dependencia o con discapacidad igual o superior al 33%.