which Bank to choose for my company or business


which Bank to choose for my company or businessPeople give many turns to what Bank choose for your company or business, just as for their personal finances, and it is common to discuss what is the best bank to work?. To tell the truth it is normal to operate with several banks over time because people change and the Bank’s priorities also and along the years spent recommend a concrete Bank to not wanting to know anything of it.

When deciding which Bank choose to perform an activity thing does not change much overall, although Yes it must be clarified that a bank can small business server work very well for individuals but not for companies and vice versa. In addition the corporate banking is different in each Bank and if you’re an independent or a SME there are banks with which you will work better than others.

As currently we don’t have many friends in the banks… we will try to explain those things to keep in mind when deciding what is the Bank that best suits you for your business.

The first recommendation and for me the most important is to have at least two banks. There are many people who don’t see it necessary because it considers that it has enough with one and reduces administrative complications but experience shows us that it is better to have at least two to compare and to not rely on one only when you need to study any type of operation.

In addition, it is very important that the Bank go knowing you slowly see your every day and the type of activity you do in your business, so it is not just to go for a loan to a bank who have has since several years that another bank who are going to ask for something without giving you business before.
Economic conditions to consider

From the strictly economic point of view, there are many aspects that we must consider to decide which Bank to choose:

Management fees or maintenance.
Commissions for movements.
Fees for web access (telematics).
Fees manual transfer or online.
Fees for issuance of receipts domiciled (notebook 19).
Fees for issuance of payroll (34 notebook).
Overdraft fee.
Commission income checks or collection.
Fee refund checks or receipts. Here, if your usual operational includes the income of checks, I recommend agree a fixed especially for documents of high amount that if the Commission is going by percentage involve much money.
Fee for issuance and maintenance of cards.
Existence of paid accounts.

If what you need is funding, access to it depends on every moment that arises operation (special campaigns for small businesses and freelancers, for example), the existence of funds ICO or the EIB (European Investment Bank), and other variables. Hence our view is clear, every operation must be taken as independent and compared with two or three banks, preparing a small record (almost all banks ask for the same information) and delivering the same information for each one.

United States investment help global economic growth

United States investment help global economic growthWashingtonWhen Americans celebrated the national week for small enterprises, the United States Government stressed its support for small business beyond its borders through its investments in the multilateral banks for development (BMD).


The MDBs, including the World Bank and regional development banks “they work to strengthen the business in the developing environment so that the small and medium enterprises (SMEs) can grow and prosper,” indicates an article published on May 15 on the small business owner web site of the Department of the Treasury of United States. Encourage SMEs worldwide creates jobs and is the base to remove millions of people from extreme poverty and place them in the class average, as it adds.


In a statement on the occasion of the week of small enterprises, President Obama said that small business represents the best that has United States: that with hard work and ingenuity, whatever, while they imported their background, can build a better future for himself and his family“.


In emerging economies, or in development, SMEs account for more than 80 per cent of employment opportunities and are crucial for growth, says the article by the Treasury Department, though they often lack access to the capital they need to operate and expand. United States favors efforts on the MDBs to resolve the impediments encountered by SMEs in the financial system, such as the insufficient monitoring of records in the absence of information about credit, credit reliability, lack of traditional collateral and high transaction costs.


The article highlights a few examples of the task of the MDBs to boost small businesses around the world.


Department of small and medium-sized enterprises, in the International Finance Corporation of the World Bank provides investment and advisory services to SMEs in more than 70 countries, and a report of the World Bank helps to identify the challenges facing the new SMEs. The report classifies countries worldwide for their ease to make businesses perform and helps foreign investors to evaluate market opportunities.


United States has provided direct support to the Trust Fund for SMEs in the European Bank for reconstruction and development, which support the loans from local banks to SMEs. The Fund has also funded the business consultancy, which allows small businesses to improve their competitiveness for exports.


The Inter-American Corporation of investments of the Inter-American Development Bank, is the only institution of multilateral financing of the private sector in Latin America and the Caribbean that focuses specifically on SMEs. In its more than 30year history it has approved nearly 800 direct loans to SMEs and financial intermediaries, for a total of more than 4,800 million dollars. This includes a growing program for loans in local currency that allows the direct loans to small businesses. It also offers technical assistance and help to reduce energy costs.


The Multilateral Fund of investments of the Inter-American Bank of development puts special emphasis on identifying, developing and promoting innovative models of SMEs, and in creative solutions and based on the market for the challenges of the development in areas such as microfinance, mobile banking, microinsurance, empowerment of women in business and youth training. Dedicated to people on low incomes since 1993, it has approved more than 1,600 projects for a total of more than 1,900 million dollars. Also supports SMEs with start-up capital and business incubators, as well as helping financial institutions to increase their lending to SMEs.


The African Development Bank supports a wide range of micro-enterprises and small and medium-sized enterprises, credit lines and guarantees for local banks facilities. It also provides advice on policies and resources for technical assistance and capacitybuilding. Between 2008 and 2012, 34 per cent of its operations in the private sector was focused on micro-enterprises and SMEs and has set the goal of increasing its funding. Recently launched a program of 125 million dollars for the SMEs to support local financial institutions (including banks, microfinance institutions and leasing companies) by means of letters of credit for loans in course to SMEs. It also has programs to start local businesses and to expand financial access to women entrepreneurs.

Bernie supports the network neutrality


Bernie supports the network neutralityBernie supports the network neutrality, the principle that all information transmitted over the Internet is treated and routed equally, without treatment with preference. The net neutrality is essential to innovation.
How does the net neutrality affect small business?

Without net neutrality policies, small businesses would be subject to increased costs to provide content to consumers. Small businesses may also suffer unfair competitive disadvantage to larger businesses that can afford to pay for preferential treatment of suppliers of Internet (ISPs, for its acronym in English).

In this speech to the Senate in may 2014, Bernie explains why net neutrality is important to small businesses:
Read more about the Bernie position on net neutrality and other rights digital here.
Visa reform

Bernie supports reforming the way in which we bring workers to the United States so ensure that they are not exploited to satisfy the need of companies that want to attract and retain the most talented foreign workers. It also wants to ensure that visas are not by granting to fill seats that could be occupied by American workers.
What is the point of balance in terms of reform of visas according to Bernie?

A quickly answer this is to describe the last reform visas that Bernie supported in Congress. In 2013, he voted in favor of the last attempt at comprehensive immigration reform.

Not only this law opened a path to citizenship for undocumented immigrants, also proposed changes to the H-1B visas, one of the largest sources of immigration frustration to business in the United States. The H-1B program is designed for highly qualified immigrants who play roles in U.S. companies that can not be filled by domestic workers. The law why Bernie voted in 2013 would have increased the number of H-1B visas to 110, 000-180 000 per year – an increase to the current 65,000 – and would have balanced the need to attract highly skilled workers, while at the same time protect the American work force.

The law also proposed a new visa for foreign entrepreneurs, a W visa for less qualified workers, and additional visas and green cards for students who have studies in science, technology, engineering or mathematics in schools and U.S. universities. Different visas proposed by law would have benefited a wide variety of businesses, large and small, that require both workers highly qualified as less qualified.

Unfortunately, this law was not enacted. Read more about Bernie position on immigration here.

How to Ponder The Baggage Handily Before Anyone Travel

How to Ponder The Baggage Handily Before Anyone Travel Since your suitcases is fat there are not many items less bothersome than getting to the airport. And as of late, having gas costs being the things they are, airlines are wanting inside your to make up for all those additional costs.

Naturally when you’re packing your suitcases you don’t understand how much youare supplying, and most of US realize that our bags is always twice as heavy on-the-way household (how can that happen?).
Clearly a solution is needed by you to this issue and that option could be something like the Balanzza Digital Baggage Scale. Since it can help you save a great deal of income numerous locate this as being a fantastic investment,.
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baggage handily travel
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So you do not have to take a seat therefor twenty minutes trying to figure out exactly what the absurd baggage actually weighs it changes having a click of a key between kilograms to kilos. One-click and your around the one that ‘s right for you personally.
Hear, you do not wish to be dealing with the airport simply to have to spend a shock charge for your baggage. For those who journey often on discounted airlines, we all know about implementing their luggage restrictions how picky they have become,. Baggage machines help keep anyone from having to pay extra money at check-in. However, atatime such as this when gasoline costs are sky not low each airline is starting to be really picky.
It is ridiculous to take a transform when such as the Balanzza Digital Luggage Degree you will get something for less than a meal available using a buddy and save aggravation and time?

Coffee Tips That Everyone Can Benefit From


coffeLet’s face it, most of us are not morning people. We need that little extra kick to get us through the door and ready for work. That is where your beloved coffee comes in. Learn how to make the best tasting cup of coffee you can to start your day off right by reading the following article.

Do you have any guests that are drinking your coffee? Try decorating the foam on your lattes yourself. All you need is a little know how on how to make a good cup of joe for your houseguests. Each time you make coffee, mix melted chocolate with a bit of milk and practice tenderize and barbecue meat

Do not keep your coffee in the refrigerator unless it is in a container that is absolutely airtight. This is important because moisture can cause coffee to become moldy. It is best to keep your coffee in the cabinet where it will stay warm, dry and at its best quality.

When you brew your coffee at home, do not throw out the used grounds. These coffee grounds might not be good for another cup of coffee, but they are excellent for many other purposes. They are great for composting, exfoliating, cleaning, and quite a few other uses. Don’t throw them away!

For the ideal cup of coffee, measure the water you use for brewing carefully. If you misjudge and have too little, your coffee will have a very strong flavor. If you use too much water you might have coffee that is weak. Use a formula of two to one, with two cups water per one cup of coffee produced.

If regular coffee no longer provides you enough caffeine, consider brewing espresso. This does mean you will need a different piece of equipment, as your regular coffee maker likely cannot do it. Espresso machines are typically expensive though, and the intensity of the caffeine levels is too much for some. Try espresso a few times somewhere else before making this commitment for your home.

If you normally drink coffee at home but are getting tired of the same-old tastes, keep an eye open when you pass by coffee shops and houses. Coffee shops have new flavors and drinks they release and test out all the time, particularly seasonally. Summer’s offerings happen frequently, and many even have “happy hour” discounts during deader hours of the day.

Don’t throw away your old coffee grounds. They can serve a wide variety of useful purposes in your home. They can help clean your dishes and get rid of backyard pests. In addition, they can be used as compost in your garden. Finally, they even have some beauty uses! It’s amazing what these old coffee grounds can do.

Instead of drinking fruit drinks or sodas when you are preparing for your finals at school, try drinking a few cups of coffee. This will give you the amount of energy that you need to function well without the sugar, and is a great option to have for fall or winter nights when you are studying.

Fair trade coffee is a way to support developing nations and indulge your coffee habit at the same time. While it is more expensive, the quality of coffee is worth it. Also, you can help small farming groups in faraway lands.

If you do go to a coffeehouse for a cup of joe and work away from home, be careful how you place your laptop. You do not want to spill your drink on it, nor do you want anyone reading your screen over your shoulder. Also be mindful of what you say on the phone. Your competition could be in there too.

If you notice that you are buying the same type of coffee, try buying in bulk. This will help to maximize your investment, especially if you stick with a particular brand. Check online to see if you can buy a large bag or bucket of coffee beans, which will help reduce your expenses during the year.

The best way to brew coffee is to brew it strong. If you do not like the taste of strong coffee, add milk or water after it is brewed. You want your coffee to be at its peak of flavor. If it is brewed strong and according to the proper water to coffee ratios, it should be strong and aromatic.

You don’t need to stop having caffeine abruptly if you’re trying to curb your intake. It’s possible to make a reduced caffeine version of coffee. This can be done by grinding an equal amount of regular beans along with de-caf beans. Make sure that you keep all of the ratios the same if you are reducing the caffeine content.

If you tend to eat cookies with your coffee in the morning or night, try dipping one into the other. Cookies taste great when combined with coffee, and can give you the injection of flavor that you desire. Make sure that when you dip, you have a napkin or towel nearby to avoid a mess.

For the best tasting coffee, use fresh beans that are between three days old and ten days old. Younger beans have not had sufficient time to mature and the taste can reflect this. Older beans are already going stale and losing the maximum flavor they had during their peak time.

As was mentioned earlier in this article, coffee is an essential part of most of our mornings. When you take the time to implement these tips into your coffee making routine, you will enjoy a better tasting cup of joe that is sure to start each and every morning off right.

The end story of Idul fitri at Brunei


The end story of Idul fitri at BruneiAt the end of the table, if it is that in this context of continuous ingestion such term has any sense, we headed to Zareena House, where apart from the many friends of the family had invited all the local Couchsurfing community. The daughter of immigrants from the South of India, his family was one of the many that attracted by the tranquility of life, economic conditions or several reasons, totaled inhabitants to just four hundred thousand registered bruneianos. She even spoke the native language, having learned English only. Among the young and not so young, what we became clear is that Brunei is far from being a country of conservative people and that despite the fact that everlasting sultan is present in every corner there is a devotion morbid by its figure and it is always agreed with his ideas. As a curiosity to ponder is, by the way, that the law States that this President is never wrong.

Never say never. If they come to say long ago that we were going to get up early to see a sultan, we would have laughed. And doing just that, laugh at the own situation, we went early to the Royal Palace of Brunei again dressed in with traditional local clothing. I was curious to see the plurality of faces and ethnicities that coalesce in the tiny country. Faces of expectation to see the Sultan in a few, simple desire to enjoy the buffet in others and curiosity in others, what was formed as expected was a huge queue until we got to sit down and eat.
After eating we got us also in the queue. Still missing several rooms to pass, each with their corresponding controls. They told us that without the hat not we dressed correctly costume, and Protocol forced us to wear it if we wanted to pass. An Indonesian gave us kindly yours, that although several smaller sizes (or much larger our heads) we served to persuade the guards to let us continue. It took a while, between its own tail and controls, advanced to the final room. To the own Fitri prevented him pass at the last moment, and memory how to open the door the same sultan focused his gaze on us while with weariness and parsimonico gesture (as any with tens of thousands of hands still ahead) was still shaking hands.

Once in front of him half room erupted in laughter, press photographers they pointed their objectives and curiosity could a Minister and asked us from where it came. Perhaps some still remind us as the two Spaniards who in sneakers and hatless passed during the end of Ramadan celebrations there. It will remain to us as I remember the absurdity of the scene and the laughter you gave us.

Minutes later ran to the car of Fitri, that would leave us in a small port where a boat would take us to the North of the country. Leave him remembering various situations surreal that we had lived and fulfilled Fer requirement: we had strengthened the hand of the sultan. Still a career have left us in hitchhiking to Kota Kinabalu, in the Malaysian state of Sabbah, from where the next morning would take a plane to the Philippines.

supermarkets offered special food for Ramadan


supermarkets offered special food for RamadanWalking through the Centre of the city, we watched as supermarkets offered special food for Ramadan, and the restaurants reminded the prohibition of eating on site until the Sungkai, the sunset. There was no historic nor hubristic skyscrapers. Every new sultan ordered to raise a new Palace, however the father of the current leader not more than living in a House of wood. Seems that last generation of rulers enjoy even more from capital of the petroleum that their parents and a downtown museum dedicated to the Royal lineage reviewed its history.
The most attractive district, Kampong Ayer, contained some irony. Historically the inhabitants of Brunei had lived in palafittes, a sort of Amalan Bulan Ramadhan floating houses built on a wooden structure. In them have had forged the commercial core that made Excel this nation among their neighbors, being the Royal family the only one that remained on Earth sign. Today the usual citizen prefers to not keep living on the water.
The first day of the great holiday breakfast equivalent to a lunch at the House of Fitri, together to some family and friends. Laughing our host we had dressed in the traditional costume bruneano and warned, knowing that we were ignorant of what was to come, of that we llenásemos not over the Bill. Shortly after the intimate family (parents and siblings of Fitri) gathered in the salon where by descending order spent compared to other kneeling as a sign of respect and was handed a ticket in a decorated envelope.
When we started to make route by other houses, we learned that it is unwritten law to have to go through those of relatives and close friends, being understood not as a lack of respect. First we went, the grandfather of Fitri was dumbfounded to see us out of the car. We shook his hand, wishing him a “Selamat Hari Raya” (in the local language, “Happy end of Ramadan”) and the rest of the family began to entertain us food as astonished as excited to have two foreigners at home. Several times they took us pictures with their phones to then send them messages congratulating dates.

In the second House, the ceremony was posh. Before the identical comments by the bajini and surprise by the rest of guests, we introduce ourselves and we were invited to a lounge where the men of the House Gordo repeated the ninety-nine names of Allah. By their bored faces we disappointing that that seemed all one protocol more than a thank you or intimate gathering with some deity. With the banquet us they earned by the stomach in a jiffy. They had filled one of the dining rooms of the House cooked by an Indian restaurant buffet trays. Despite the copious breakfasts, post-desayunos, pre-almuerzos and final banquet, we could not avoid repeat a couple of times and finish off with desserts. Almost all the houses had some of the sultan and his father image framed on a wall, usually surrounded by decorative pieces from the Islamic creed.

Celebrating the end of Ramadan in Brunei


Celebrating the end of Ramadan in BruneiThe first time I heard of Brunei, as one child, what I said is that it was a very rich Asian country whose sultan (then believed that the sultans only existed in fairy tales) had brought Michael Jackson to the free enjoyment of all its citizens. I imagined a tiny nation full of skyscrapers whose inhabitants had money for bundles and the luxury reigned at each corner.

A few months ago, while still in Malaysia I debated with my good friend Fer if spend several days in this nation or pursue path to the Malaysian province of Sabbah. “I’m not going to Brunei if it is not to shake Amalan Bulan Ramadhan hands with the sultan”, bromeba Fer. Knowing that the end of Ramadan is there lived with special intensity, we decided to go. Fitri, a young bruneano had offered through the Couchsurfing network to host us at their home by a single day, arguing that “more that will be difficult”. Without having too clear what I wanted to say, we went to Brunei.
Maybe Brunei as rich as they are? May you go in hitchhiking? Raise us a cool sports car, a tycoon of the oil or a friend of the sultan? We hope half an hour hoisting a carton moistened by rain until a car stopped. If well comfortable and welcoming, it had none of the claims of our fantasies. It was leading a young couple heading towards Bandar Seri Begawan, capital of the country. He worked on the national airline, and it was not covering their hair with no veil. They came from Malaysia where he claimed “the beer is rich and cheap”. Talk continued with electronic music background and between the lines left us well clear that despite the media image that has recently returned to make novelty to the country to have introduced the law sharia, much of its population is open much less strict is what counts. Let us in the Centre of the city, where we said goodbye.
Fitri was born in Brunei, which gave help to boost your home, free health and education for the same price that it included two years of College in Australia. Now he played you return to your country training working for a government company in Exchange for a generous salary. Practicing Muslim, he married two months later Amalan Bulan Ramadhan despite his young age and would travel with his wife to Spain and Turkey to celebrate the link. When he learned that our interest to visit Brunei at that time was due to the public banquet offered by the sultan and the possibility of visiting some of the outbuildings of the Royal Palace, he decided to stay with her family several days more than expected overnight. “Complication” to which he had referred in his mail was that at the end of Ramadan would paralyzed throughout the country, offering food to friends, family and neighbors to spread the celebration several days would be open by each House. In his invitation was implied to live these traditions together with yours, a gift from the fate of someone whose name meant in Malay language first-person “the first day after the month of fasting”. What better host to live such a day that someone named!

Tips to enjoy your young children of Ramadan


Tips to enjoy your young children of Ramadan
In this sacred month, your family habits are upset and your child may feel excluded and do not find his place. Your child did not fast and therefore cannot understand the meaning of this Act. Here are a few tips to take full advantage of this month full of blessings.

It is a truism, the child mimics the behavior of his parents, it is not uncommon to see a child who wishes to fast to be like ‘the big’.
From the age of seven, you can propose it to fast until noon for example. Warning, it is not question of fasting the whole day, the goal is simply to introduce your offspring to religion and that he could participate in its own way. This is a good way to involve it. So do not force it, it will be useless, he will not hesitate to eat in secret when you have turned back.

Take a moment in the day to share with your child. Secure him an appointment and submit him to reflect on the issues it might ask you. With this simple method, you’re almost sure to have a child available and concentrated from you. So enjoy this time (do not exceed thirty minutes) to discuss with him and to answer his questions, talk to him Allah, the Prophet (SAWS), explain to him the meaning of ramadan: ramadan is not only not eating, it is important to have a good behavior and to be nice to his parents, his brothers, his neighbors, his teachers…

Do participate in the activities of this month, offer him help you in the preparation of the meals, your husband can take him to the mosque, let it eat with you at the time of the ftor, even though he already ate, let it share the table with you.

In Pakistan, a program saves children during Ramadan


In Pakistan, a program saves children during RamadanDuring the fasting of the month of Ramadan, a Pakistani show inspired by the french “just price” offers couples willing to adopt toddlers, of “winning” of abandoned children by correctly answering questions about the Koran.

The principle of the “just price” is french is known to all: guess the amount of an object in order to prevail. In the Islamic Bulan Puasa Republic of Pakistan, Aamir Liaquat Hussain, the flagship of Pakistani television host, has opted, during Ramadan, for a very different version of the famous game television.


Because according to him, “the fasting month is a special month that deserved so an also special programme concept,” reports The Telegraph. The “just price” Pakistan therefore proposes a “special version” where it is possible to win children abandoned by answering questions about the Koran, the sacred book of islam for Muslims.

Here is therefore an excerpt from the show depicted. “This pretty little girl has been abandoned on a heap of garbage. Watch as she is pretty and innocent”, Cree Aamir Liaquat Hussain before handing the child to an amazed winning couple.

Suriya Bilqees, one of the winners of the game, which is now a two-week-old baby’s mother told the Telegraph. “I was really shocked at the beginning. I couldn’t believe that it gave us this little girl”.


Legal adoptions and framed by an NGO

From the host of the show, these adoptions have nothing illegal. The show would work even with the non-governmental association Chhipa Welfare, which was responsible itself to collect the children said.

Furthermore, the association explained already know the parents willing to adopt children through the program. “We have our own procedure of adoption. This couple was already registered with us have met four or five times before “. In this case, these parents had not yet begun legal procedures to accommodate the child. The show would have just allowed them to expedite the process.