Finance

Aspect Plus has been restructuring troubled businesses in London through financial, legal and administrative consulting for the last eight years. The core specialism of the company is insolvency law, which concerns private companies or individuals that find themselves in financial crisis. Two of the three partners specialise in personal insolvency, the other in corporate. The service is not only important for companies thinking of claiming bankruptcy, but also for those that need restructuring or simply want to avoid the problem in the first place. “When a company here in the UK goes into administration, it doesn’t automatically mean that it…

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Discover the different business structures and how to get your venture started in Brazil Any foreign individual or company is entitled to open a business in Brazil. Generally speaking, foreign entities can engage in any commercial activity, as long as it’s legal and compliant. That said, foreigners may come across certain restrictions in specific business areas (for example, publishing), or if the company intends to operate within geographical areas considered sensitive to national security (for example, near international borders). Some factors to be aware of: It takes at least 30 days to set up a company in Brazil The services…

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If you already find organising your life around your salary difficult, having it paid in two separate only complicates things. Paying staff salaries in two instalments is common practice amongst private companies, and can lead many people to lose track of their spending (and their debts). Therefore, this month we clarify your doubts and, hopefully, help you organise your finances. The key is to be organised! You can’t just turn a blind eye and simply carry on swiping your debit card. HERE IS OUR SUGGESTION FOR MAINTAINING A FINANCIALLY ORGANIZED LIFE: Study your payslip and, if necessary, ask a member…

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It’s a subject relevant to people of all ages, as personal finance is a critical concern for anyone wanting to lead a healthy and balanced life. If you long for success in this area, rest assured that it’s not that difficult. All you have to do is have the dedication and persistence to establish new financial practices and become more conscious and focused on the future when dealing with money. Take a look at our top personal finance tips: HAVE A SYSTEM TO CONTROL YOUR PERSONAL FINANCE Controlling expenditure and knowing exactly where your money is going is critical…

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Do you know what makes start-ups and small businesses successful? Planning and training are just a few of the ingredients needed to create a successful small business: Planning Nothing is more fundamental than planning for an enterprise. Even before you go around telling friends and family that you have a new, innovative idea, you should have a plan. You need to determine the direction that you want your business to take carefully and calmly, and then stick to it. Don’t consider this step as wasted time, it is important to predict possible mistakes and outcomes of your business venture. Training…

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The process allows an Insolvency Practitioner to negotiate a deal on your behalf with your creditors, permitting the repayment of your debts in manageable instalments, over a fixed, long-term period (usually around 5 years). WILL MY HOUSE BE PROTECTED? For private home owners, one of the main benefits of an IVA compared to bankruptcy is that you are not obliged to sell your home. As per the terms of an IVA, if you own a property and have equity, you must remortgage the property and give up some of the equity. The money which results from the remortgage will…

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It’s a subject which affects people of all ages; personal finances are an essential aspect of a balanced and healthy financial life. If you want to be successful, the good news is there’s not much to it – the most important part is to have the will and persistence to train yourself to keep up your new habits, making careful and conscientious use of money second nature. Here are the most important things to do to get started: USE A PERSONAL FINANCES TOOL TO HELP YOU KEEP TRACK OF THINGS Controlling your spending and knowing exactly where your money is…

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For singles, keeping tabs on budgeting is relatively easy. Most single people can control their spending, knowing exactly how much they earn and spend. Family budgeting is a whole different ball game though. Most families have more than one income, and more than one person spending that income, which is where things can get confusing. This is one of the main reasons why families don’t usually have a formal budget. Coming up with a family budget can be tough, but it is possible. Find out how: Make a list of all the family’s incomes. If one of the incomes…

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Planning your budget: read on to discover how to reduce your expenses Keeping a hold on the costs of a business is about much more than simple arithmetic. Proper cost control is essential to a company’s growth and for setting it in good stead for the future. Investing in tight financial controls will enable your business to anticipate problems, dramatically reducing the risk of further complications. Budgetary planning practices can reduce costs across the board of your business. Would you like to know how to diminish your expenditures through budgetary planning? Make sure you read all of our tips! …

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Good news for Brazilians living in London: a new part of the Brazilian Consulate-General’s website provides a step-by-step guide for those who would like to withdraw their FGTS (Guarantee Fund for Length of Service, a severance indemnity fund). Those entitled to make withdrawals are people who have had formal employment in Brazil and fall into one of the following categories: not been formally employed in Brazil in the last three years; not had any money paid into their FGTS in the last three years; lost their job in Brazil without just cause; worked a full period of a temporary…

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