Wednesday, July 31, 2019

Reestructuración de deuda

Refinanciacion
 

Refinanciación de endeudamiento.

¿Qué es? Simplificándolo, se trata de convertir deuda a corto plazo en deuda a largo, para reducir las cuotas de amortización.

A nosotros llegan a menudo empresa que lo buscan porque en meses "flojos" les cuesta hacer frente a todos sus compromisos de pago.

¿Cuál es el problema?

Que los bancos aborrecen todo lo que sea refinanciar porque no quieren asumir riesgo de otras entidades y porque el Banco de España les hace provisionar el 25% del importe.

Si quieres saber cómo lo solucionamos nosotros, sigue leyendo...

--

Uno de nuestros clientes, una empresa industrial valenciana que tenía tensiones de tesorería puntuales que hacían peligrar su estabilidad, nos pidió que le ayudásemos a refinanciar sus préstamos a corto.

Era una refinanciación que ni su banco ni ningún otro le quería dar.

¿Qué hicimos?

Montamos la operación como una necesidad puntual (no recurrente) de tesorería que nada tenía que ver con la refinanciación de otros préstamos y centrándonos solo en la operativa de la empresa, sus plazos de pago y de cobro.

Así conseguimos dos operaciones que juntas cubrieron los tres préstamos y a más largo plazo.

--

Si quieres que te ayudemos con un problema similar...

Déjanos tus datos y te llamamos

El equipo de Iberfinancia.

Tuesday, July 30, 2019

Re: MACRO Residency Working Group Q&A with Legal

For those of us who cannot attend, will minutes or the questions/answers given/next steps be available afterwards?

 

Charity Walters| Registrar and Director of Institutional Research | The University of Montana Western | 710 South Atlantic Street | Dillon, Montana 59725 |
Phone 406.683.7471

“Start by doing what is necessary; then do what’s possible; and suddenly you are doing the impossible.” St. Francis of Assisi

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Waters, Andrew
Sent: Monday, July 29, 2019 4:57 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: MACRO Residency Working Group Q&A with Legal

 

MACRO:  

During the Spring 2019 MACRAO meeting in Miles City we established the Residency Working Group.  One of the goals set for that workgroup was to coordinate a regular (frequency to be determined) meeting for residency practitioners across the state.   

 

The first such meeting is scheduled for Wednesday, August 7th 2019 at 4:00 pm.   

 

Legal Counsel from Helena has agreed to have a representative at the meeting to help facilitate discussion about and interpretation of the BOR Residency Policy.  In order to make the best use of our time, we will collate and prioritize questions or case-studies that are submitted this week from MACRAO members.  To submit a question or topic to be included in this first meeting, please email me, Drew Waters, via  awaters@montana.edu. We will open up for additional questions, discussion topics and the frequency of future meetings, time permitting.  PLEASE SUBMIT ANY QUESTIONS OR TOPICS FOR DISCUSSION BY FRIDAY AUGUST 2nd for INCLUSION IN THE AGENDA.  At the end of the meeting we will send out requests for feedback to prioritize next steps. 

 

If you would like to join us in the meeting please let me know and I can add you to our list. Or you can just call in:  

 

Meeting will be hosted via Web Ex: 

 

MACRO Residency Meeting  

Hosted by Andrew Waters 

  

Wednesday, Aug 7, 2019 4:00 pm | 1 hour | (UTC-07:00) Mountain Time (US & Canada) 

Meeting number: 921 831 115 

Password: NP2bFm6g 

https://montana.webex.com/montana/j.php?MTID=m61f05e67a9b33c4af06da61b15fb8842 

  OR 

Join by phone 

+1-855-797-9485 US Toll free 

+1-415-655-0002 US Toll 

Access code: 921 831 115 

 

Thanks,

 

Drew Waters

Academic Auditor

Montana State University

P.O. Box 172660

406-994-5519

awaters@montana.edu

 

 


To unsubscribe from the MACRAO list, click the following link:
http://listserv.gfcmsu.edu/scripts/wa.exe?TICKET=NzM3Mjk5IENoYXJpdHkuV2FsdGVyc0BVTVdFU1RFUk4uRURVIE1BQ1JBT4vedl3G4KD%2B&c=SIGNOFF

Monday, July 29, 2019

Enisa 2019

Líneas Enisa para pymes

1. Enisa crecimiento

-Entre 25mil y 1,5M de euros.

-Vencimiento máximo a 9 años con un máximo de 7 de carencia del principal.

-Para pymes con proyectos de consolidación, crecimiento e internacionalización.

Quiero saber más

2. Enisa emprendedores

-Entre 25mil y 300mil euros.

-Vencimiento máximo de 7 años con un máximo de 5 años de carencia del principal.

-Para empresas de menos de 2 años.

Quiero saber más

3. Enisa jóvenes emprendedores

-Entre 25mil y 75mil euros.

-Vencimiento máximo de 7 años con 5 de carencia del principal.

-Para empresas de menos de 2 años con socios mayoritarios menores de 40 años.

Quiero saber más

Somos expertos en gestionar estas líneas.
Podemos conseguir la tuya.

Quiero saber más
 

Si lo prefieres puedes llamarnos al
981 90 49 49
(de lunes a viernes de 9 a 16 horas)

MACRO Residency Working Group Q&A with Legal

MACRO:  

During the Spring 2019 MACRAO meeting in Miles City we established the Residency Working Group.  One of the goals set for that workgroup was to coordinate a regular (frequency to be determined) meeting for residency practitioners across the state.   

 

The first such meeting is scheduled for Wednesday, August 7th 2019 at 4:00 pm.   

 

Legal Counsel from Helena has agreed to have a representative at the meeting to help facilitate discussion about and interpretation of the BOR Residency Policy.  In order to make the best use of our time, we will collate and prioritize questions or case-studies that are submitted this week from MACRAO members.  To submit a question or topic to be included in this first meeting, please email me, Drew Waters, via  awaters@montana.edu. We will open up for additional questions, discussion topics and the frequency of future meetings, time permitting.  PLEASE SUBMIT ANY QUESTIONS OR TOPICS FOR DISCUSSION BY FRIDAY AUGUST 2nd for INCLUSION IN THE AGENDA.  At the end of the meeting we will send out requests for feedback to prioritize next steps. 

 

If you would like to join us in the meeting please let me know and I can add you to our list. Or you can just call in:  

 

Meeting will be hosted via Web Ex: 

 

MACRO Residency Meeting  

Hosted by Andrew Waters 

  

Wednesday, Aug 7, 2019 4:00 pm | 1 hour | (UTC-07:00) Mountain Time (US & Canada) 

Meeting number: 921 831 115 

Password: NP2bFm6g 

https://montana.webex.com/montana/j.php?MTID=m61f05e67a9b33c4af06da61b15fb8842 

  OR 

Join by phone 

+1-855-797-9485 US Toll free 

+1-415-655-0002 US Toll 

Access code: 921 831 115 

 

Thanks,

 

Drew Waters

Academic Auditor

Montana State University

P.O. Box 172660

406-994-5519

awaters@montana.edu

 

Sunday, July 28, 2019

Líneas ICO

Las líneas ICO 2019 ya están disponibles.

1. Empresas y emprendedores 2019

Orientado a empresas y autónomos que realicen un proyecto en territorio nacional o necesiten liquidez.

Hasta 12.5 millones y a 20 años.

SABER MÁS

2. Crédito comercial 2019

Liquidez mediante el anticipo de facturas procedentes de actividad dentro del territorio nacional.

Hasta 12,5 millones de saldo vivo por empresa.

SABER MÁS

4. Garantía SGR / Saeca 2019

Hasta 2 millones y 15 años de plazo.

Necesario el aval de una SGR o Saeca.

SABER MÁS

Somos expertos en gestionar ICOs.

Podemos conseguir el tuyo.

Consigue tu informe de evaluación previa en menos de 48 horas y sin compromiso

Quiero saber más
 

Si lo prefieres puedes llamarnos al
981 90 49 49
(de lunes a viernes de 9 a 16 horas)

Saturday, July 27, 2019

IMPORTANT! You have been recorded ʍasturbating! I have Macraoonline Live.mp4!

ATTN: macraoonline.live@blogger.com

The last time you visited a Ƿorn website with teenagers,
you downloaded and installed the vίrus I developed.

My program has turned on your cam and recorded the act
of your ʍasturbation..

My software also downloaded all your email contact lίsts
and a list of your friends on Facebook.

I have the - Macraoonline Live.mp4 - with you jerkίng
off to teens, as well as a file with all your contacts
on my computer.

You are very Ƿerverted!


If you want me to delete both files and keep the secret,
you must send me the Bitcoin payment.
I gıve you 72 houɼs onɭy to transƒer the funds.

If you don't know how to pay with Bitcoin,
visit Google and search - how to buy bitcoin.

*********************************************
Send 2,000 ÙSD (0.220165 BTC)
to this Bitcoin address as soon as possible:

3GkbghBTmUAvQCbE3oh9pbFdN7Et9zFXTb
(copy and paste)
*********************************************

1 BTC = 9,235 ÙSD right now, so send exactly 0.220165 BTC
to the address above.



Do not try to cheat me!
As soon as you open this Email I will know you opened it.
I am tracking all actions on your device..

This Bitcoin address is linked to you onɭy,
so I will know when you send the correct amount.
When you pay in full, I will remove both files and deactivate
my program.

If you choose to not send the btc...
I will send your ʍasturbation vίdeo to
ALL YOUR FRIENDS AND ASSOCIATES from your
contact lists that I hacked.


Here are the payment details again:

Send 2,000 bucks (0.220165 BTC)
to this Bitcoin address:

*********************************************
0.220165 BTC

to:

3GkbghBTmUAvQCbE3oh9pbFdN7Et9zFXTb

(copy and paste)
*********************************************


You саn visit police but nobody can help you.
I know what I am doing.
I don't live in your country and I know how
to stay anonymous.

Don't try to deceive me - I will know it
immediately - my spy software is recording all the
websites you visit and all your key presses.
If you do - I will send this ugly vίd to eveɼyone you know,
INCLUDING YOUR FAMILY MEMBERS.


Don't cheat me! Don't forget the shame and if you ignore
this message your life will be ruined.

I am waiting for your Bitcoin payment.
You have 72 houɼs ɭeft.


Anonymous Hacker


P.S. If you need more time to buy and send BTC,
open your notepad and write '48h more'.
This way you can contact me.
I will consider gıving you another 48 houɼs
befoɼe I releɑse the vίd, but onɭy when I see that
you are really struggling to buy bitcoin.
I KNOW you can afford it - so don't play around...

Friday, July 26, 2019

Graduation Coordinator position open at the University of Montana Western

Just passing on an open position in the registrar’s office at Montana Western.  We are seeking a graduation coordinator who will also serve as the primary contact/scriber for DegreeWorks.

 

https://w.umwestern.edu/section/graduation-program-coordinator-ii/

 

 

Charity Walters| Registrar and Director of Institutional Research | The University of Montana Western | 710 South Atlantic Street | Dillon, Montana 59725 |
Phone 406.683.7471

“Start by doing what is necessary; then do what’s possible; and suddenly you are doing the impossible.” St. Francis of Assisi

 

Re: Summer Grades and Degrees

Good morning,

 

We have the same process as MT Tech as well.

 

Have a great day,
Brittany

 

Brittany Budeski  |   Registrar

University of Providence

1301 20th St So

Great Falls, MT  59405

Phone: 406.791.5207 or 800-856-9544

Fax: 406.791.5209     

 

 

 

 

From: MACRAO Listserv [mailto:MACRAO@LISTSERV.GFCMSU.EDU] On Behalf Of Dena Wagner-Fossen
Sent: Friday, July 26, 2019 10:44 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Summer Grades and Degrees

 

We are like Tech as well. ~d

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Dickerson, Leslie - Enrollment Services
Sent: Friday, July 26, 2019 7:32 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Summer Grades and Degrees

 

NOTICE: This email originated from outside of your organization. Do not click links, open attachments, or respond unless you were expecting this message and know the content is safe.

Same is true at Montana Tech.  I will also add that at the end of each session, grades are submitted and rolled to the transcript.  We calc the GPA then, also.  But we don’t run academic standing until the end of the semester.

 

Leslie Dickerson

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Dellwo, Sarah
Sent: Thursday, July 25, 2019 7:19 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Summer Grades and Degrees

 

Helena College has grades submitted at the end of each session, but degrees are posted at the end of the semester. We will also write a verification letter if needed.

 

Sarah Dellwo

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Sharon Nau
Sent: Wednesday, July 24, 2019 2:17 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Summer Grades and Degrees

 

FVCC:  faculty are able to submit grades at the end of each session, but degrees are not recorded until the end of the semester.  We will also write a verification letter for students if confirmation is needed beforehand.

 

Hope everyone is have a GREAT summer!

 

Sharon

 

 

FVCC Logo

Facebook https://s3.amazonaws.com/htmlsig-assets/spacer.gif Instagram https://s3.amazonaws.com/htmlsig-assets/spacer.gif Twitter https://s3.amazonaws.com/htmlsig-assets/spacer.gif Youtube https://s3.amazonaws.com/htmlsig-assets/spacer.gif LinkedIn https://s3.amazonaws.com/htmlsig-assets/spacer.gif  https://s3.amazonaws.com/htmlsig-assets/spacer.gif

Sharon Nau | Registrar 
snau@fvcc.edu | (406) 756-3845

Flathead Valley Community College 
777 Grandview Dr. | Kalispell, MT 59901 
www.fvcc.edu

 

“Flathead Valley Community College promotes excellence

in lifelong learning, focused on student success and

community needs.”

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Charity Walters
Sent: Wednesday, July 24, 2019 11:55 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Summer Grades and Degrees

 

Sorry, I misunderstood the last question.  We only post degrees after the semester ends.  However I have offered to write verification letters for students who complete early if there is an issue of job offer that needs verification of their degree.

 

Charity

 

Charity Walters| Registrar and Director of Institutional Research | The University of Montana Western | 710 South Atlantic Street | Dillon, Montana 59725 |
Phone 406.683.7471

“Start by doing what is necessary; then do what’s possible; and suddenly you are doing the impossible.” St. Francis of Assisi

 

From: Charity Walters
Sent: Wednesday, July 24, 2019 11:54 AM
To: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU>
Subject: RE: Summer Grades and Degrees

 

HI Cheri;

 

1)       We open grading the day each part of term ends for one week, but only open the part of term that has just ended.

2)      Faculty are required to submit grades within one week of the end of each part of term.

3)      We roll grades at the end of the term.  I wasn’t hear, but my understanding is that as a semester school grades/gpa should not appear on the official transcript (for financial aid) purposes until the semester officially ends.  I wasn’t here when that process was set up at the beginning of block, but that is my understanding. (plus you don’t want to roll grades constantly unless you have to J )

However we have set up the grade reports in DAWGS (SIS online system) so that students can see their awarded grade in grade report prior to the end of the semester.  It is just not on their official or unofficial transcript.

 

 

Hope that helps.

 

Charity

 

Charity Walters| Registrar and Director of Institutional Research | The University of Montana Western | 710 South Atlantic Street | Dillon, Montana 59725 |
Phone 406.683.7471

“Start by doing what is necessary; then do what’s possible; and suddenly you are doing the impossible.” St. Francis of Assisi

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Johannes, Cheri
Sent: Wednesday, July 24, 2019 11:04 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Summer Grades and Degrees

 

Hello –

 

I am anticipating a question coming my way and would be interested in your processes.

 

If you have multiple summer parts of term…

1)      When do you permit faculty to submit grades ?

2)      When do you require faculty to submit grades (ie. at end of each part of term, or at end of full summer)

3)      When do you post degrees

a.       Anyone do it ongoing ?

b.       OR at end of term ?

 

Thank you!!

 

Cheri

 

 


To unsubscribe from the MACRAO list, click the following link:
http://listserv.gfcmsu.edu/scripts/wa.exe?TICKET=NzM3Mjk0IENoYXJpdHkuV2FsdGVyc0BVTVdFU1RFUk4uRURVIE1BQ1JBT4dz1PH8UUSX&c=SIGNOFF

 


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Re: Summer Grades and Degrees

We are like Tech as well. ~d

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Dickerson, Leslie - Enrollment Services
Sent: Friday, July 26, 2019 7:32 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Summer Grades and Degrees

 

NOTICE: This email originated from outside of your organization. Do not click links, open attachments, or respond unless you were expecting this message and know the content is safe.

Same is true at Montana Tech.  I will also add that at the end of each session, grades are submitted and rolled to the transcript.  We calc the GPA then, also.  But we don’t run academic standing until the end of the semester.

 

Leslie Dickerson

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Dellwo, Sarah
Sent: Thursday, July 25, 2019 7:19 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Summer Grades and Degrees

 

Helena College has grades submitted at the end of each session, but degrees are posted at the end of the semester. We will also write a verification letter if needed.

 

Sarah Dellwo

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Sharon Nau
Sent: Wednesday, July 24, 2019 2:17 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Summer Grades and Degrees

 

FVCC:  faculty are able to submit grades at the end of each session, but degrees are not recorded until the end of the semester.  We will also write a verification letter for students if confirmation is needed beforehand.

 

Hope everyone is have a GREAT summer!

 

Sharon

 

 

FVCC Logo

Facebook https://s3.amazonaws.com/htmlsig-assets/spacer.gif Instagram https://s3.amazonaws.com/htmlsig-assets/spacer.gif Twitter https://s3.amazonaws.com/htmlsig-assets/spacer.gif Youtube https://s3.amazonaws.com/htmlsig-assets/spacer.gif LinkedIn https://s3.amazonaws.com/htmlsig-assets/spacer.gif  https://s3.amazonaws.com/htmlsig-assets/spacer.gif

Sharon Nau | Registrar 
snau@fvcc.edu | (406) 756-3845

Flathead Valley Community College 
777 Grandview Dr. | Kalispell, MT 59901 
www.fvcc.edu

 

“Flathead Valley Community College promotes excellence

in lifelong learning, focused on student success and

community needs.”

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Charity Walters
Sent: Wednesday, July 24, 2019 11:55 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Summer Grades and Degrees

 

Sorry, I misunderstood the last question.  We only post degrees after the semester ends.  However I have offered to write verification letters for students who complete early if there is an issue of job offer that needs verification of their degree.

 

Charity

 

Charity Walters| Registrar and Director of Institutional Research | The University of Montana Western | 710 South Atlantic Street | Dillon, Montana 59725 |
Phone 406.683.7471

“Start by doing what is necessary; then do what’s possible; and suddenly you are doing the impossible.” St. Francis of Assisi

 

From: Charity Walters
Sent: Wednesday, July 24, 2019 11:54 AM
To: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU>
Subject: RE: Summer Grades and Degrees

 

HI Cheri;

 

1)       We open grading the day each part of term ends for one week, but only open the part of term that has just ended.

2)      Faculty are required to submit grades within one week of the end of each part of term.

3)      We roll grades at the end of the term.  I wasn’t hear, but my understanding is that as a semester school grades/gpa should not appear on the official transcript (for financial aid) purposes until the semester officially ends.  I wasn’t here when that process was set up at the beginning of block, but that is my understanding. (plus you don’t want to roll grades constantly unless you have to J )

However we have set up the grade reports in DAWGS (SIS online system) so that students can see their awarded grade in grade report prior to the end of the semester.  It is just not on their official or unofficial transcript.

 

 

Hope that helps.

 

Charity

 

Charity Walters| Registrar and Director of Institutional Research | The University of Montana Western | 710 South Atlantic Street | Dillon, Montana 59725 |
Phone 406.683.7471

“Start by doing what is necessary; then do what’s possible; and suddenly you are doing the impossible.” St. Francis of Assisi

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Johannes, Cheri
Sent: Wednesday, July 24, 2019 11:04 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Summer Grades and Degrees

 

Hello –

 

I am anticipating a question coming my way and would be interested in your processes.

 

If you have multiple summer parts of term…

1)      When do you permit faculty to submit grades ?

2)      When do you require faculty to submit grades (ie. at end of each part of term, or at end of full summer)

3)      When do you post degrees

a.       Anyone do it ongoing ?

b.       OR at end of term ?

 

Thank you!!

 

Cheri

 

 


To unsubscribe from the MACRAO list, click the following link:
http://listserv.gfcmsu.edu/scripts/wa.exe?TICKET=NzM3Mjk0IENoYXJpdHkuV2FsdGVyc0BVTVdFU1RFUk4uRURVIE1BQ1JBT4dz1PH8UUSX&c=SIGNOFF

 


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