Wednesday, April 29, 2020

ICO Covid-19

ICO Covid-19
 

ICO Covid-19

La línea de avales estatales para financiación para Pymes afectadas por la crisis sanitaria del Covid-19 ya han liberado sus fondos.

¿Para qué?

Atender las necesidades de financiación de empresas y autónomos para:

- Pago de salarios.

- Facturas.

- Necesidades de circulante.

- Necesidades de liquidez por pago de obligaciones financieras y tributarias.

¿Importe máximo?

Sin importe máximo pero determinadas por el impacto de la actual crisis sanitaria y económica en la operativa de cada empresa.

¿Tipo de operaciones?

Préstamos, reestructuraciones y circulante.

Si te interesa, podemos ayudarte a gestionar la liquidez que necesitas para sobrevivir a esta crisis.

Haz clic aquí para que te llamemos.

Un saludo,

Carina

Monday, April 27, 2020

Aplazamiento impuestos

Aplazamiento de impuestos
 

En la situación actual cualquier ayuda es poca y una de las mayores dificultades a las que nos enfrentaremos las empresas a corto plazo es el pago de impuestos.

En su Real Decreto Ley 7/2020 el Estado contempla la posibilidad de aplazamiento de las deudas tributarias, IVA, IRPF y el pago diferido del Impuesto de Sociedades siempre que su plazo de presentación e ingreso finalice antes del 30 de mayo.

Pero no todas las obligaciones pueden aplazarse sin contar con un aval solidario de entidad de crédito o sociedad de garantía recíproca o certificado de seguro de caución.

Para esos casos, contamos con acuerdos con entidades especializadas en seguros de caución, que cuentan con muchas ventajas frente a los avales:

- Son más baratos que los avales bancarios.

- No consumen Cirbe.

- Se computan como gasto.

- Sin costes de formalización o estudio.

- Sin contragarantías en la mayoría de los casos.

Si necesitas una garantía para aplazar deudas tributarias, ponte en contacto para ver como podemos ayudarte:

Haz clic aquí para que te llamemos.

Un saludo,

Elsa

Wednesday, April 22, 2020

Vías liquidez anti-crisis

Financiación de liquidez
 

En estos momentos más que nunca, muchos clientes nos plantean problemas de tesorería derivados de la situación actual. Incluso las empresas que siguen trabajando tienen que ser más flexibles en sus plazos de cobro a clientes y pago a proveedores.

La primera reacción de muchos empresarios para estos problemas de circulante es buscar un préstamo, un colchón de liquidez que les dé mayor seguridad a la hora de operar.

Teniendo en cuenta las líneas de avales del gobierno, los préstamos son una buena opción, pero no son la única.

Otra buena opción para gestionar el circulante de tu empresa son el factoring y el confirming.

Con el factoring puedes reducir tus plazos de cobro a clientes y minimizar así las tensiones de tesorería derivadas de tener que aguantar durante 30, 60 o 90 días (si no más) las facturas emitidas hasta cobrarlas.

Con el confirming y el confirming pronto pago puedes ofrecer a tu proveedor la opción de cobrar antes sin que se resienta tu tesorería.

Estas son las líneas que más están favoreciendo las entidades a la hora de financiar el circulante de las Pymes.

Si quieres que te ayudemos a sobrevivir a esta crisis...

Haz clic aquí para que te llamemos.

Un saludo,

Mónica

Monday, April 20, 2020

Avales Covid-19

Avales Covid-19
 

Avales Covid-19

Aunque las Líneas ICO son las que acaparan titulares, existen más opciones de avalespara empresas que necesitan liquidez por la crisis del coronavirus.

Se trata de los avales de las Sociedades de Garantía Recíproca (SGR) de cada comunidad autónoma. Estas líneas funcionan de forma similar a los avales del ICO aunque cada una tiene sus criterios de concesión, su forma de trabajar y sus exigencias.

¿Para qué?

Atender las necesidades de financiación de empresas y autónomos para:

- Pago de salarios.

- Facturas.

- Necesidades de circulante.

¿Importe máximo?

Aunque cada SGR tiene sus propios criterios, la mayoría distinguen entre operaciones de volumen reducido (hasta 50.000 euros, por ejemplo) y operaciones de mayor volumen (en algunos casos, el límite para estas está en 1M€).

¿Tipo de operaciones?

Préstamos, principalmente.

Si te interesa, podemos ayudarte a gestionar la liquidez que necesitas para sobrevivir a esta crisis.

Haz clic aquí para que te llamemos.

Un saludo,

Cristina

Re: Graduation data

I second Chris’ note regarding aligning with IPEDS.

 

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 Fastnow, Christina
Sent: Thursday, April 16, 2020 2:07 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Graduation data

 

IPEDS definition counts summer as the leading term in the academic year.  Four-year (or six-year for that matter) rates are really 8 (12) semesters, or 3.75 (5.75) years.  To minimize confusion, it would be great if OCHE and IPEDS were consistent.

 

Chris Fastnow, PhD

she/hers/her

Vice President

Planning and Analysis

Montana State University

PO Box 172435

Bozeman, MT 59717-2435

406-994-2870


From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> on behalf of Morgan, Troy <troy.morgan@MSO.UMT.EDU>
Sent: Thursday, April 16, 2020 1:52 PM
To: MACRAO@LISTSERV.GFCMSU.EDU <MACRAO@LISTSERV.GFCMSU.EDU>
Subject: Re: Graduation data

 

Eric, 

 

At UM-Missoula, we are definitely done with summer awarding by October. 

 

Troy 

 

 

 

 

Troy Morgan

ASSISTANT REGISTRAR

OFFICE OF THE REGISTRAR

Lommasson 201 | Missoula, Montana

t: (406) 243-2262 | e: troy.morgan@umontana.edu

U N I V E R S I T Y O F M O N T A N A

 

 

CONFIDENTIALITY: This email message (including any attachments) is for the sole use of the intended recipient(s) and may contain confidential information covered under the Family Educational Rights and Privacy Act (FERPA). If the reader of this message is not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this message (including any attachments) is strictly prohibited. If you have received this message in error, please destroy all copies of the original message (including attachments) and notify me immediately by reply email message or by telephone at (406) 243-2262. Thank you.

 

 


From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> on behalf of Meredith, Eric <emeredith@MONTANA.EDU>
Sent: Thursday, April 16, 2020 10:55 AM
To: MACRAO@LISTSERV.GFCMSU.EDU <MACRAO@LISTSERV.GFCMSU.EDU>
Subject: Graduation data

 

We are looking at some of our graduation reporting procedures in the OCHE office.  I was curious if the graduation data for the summer graduates is entered into banner and official by October.  So would the summer of 2020 graduates be completed in Banner by October of 2020?  If not, is this something that could easily be done by then? 

 

In the past we have not collected the summer graduation data until the following year.  So the summer 2020 graduate data is not usually collected by OCHE until October of 2021.  Because of this we are not sure of the timing of when that summer graduates data is actually completed.

 

Eric Meredith

Business Intelligence Analyst

Office of the Commissioner of Higher Education

emeredith@montana.edu

(406) 449 – 9165

 

 

 


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Spring Commencement

Good morning,

 

I hope you all had a nice weekend and that you’re hanging in there in the midst of everything! This is week 6 of working from home for many of us, and I for one feel like I’m still trying getting the hang of it.

 

I wanted to check in with you all about your plans for Commencement this spring. I know that you all have made your announcements about your plans for the event (postponing, hybrid approach, etc.), but I know that there’s still much work to be done. Our office shared a toolkit with the campus CEOs a few weeks ago (hopefully this was forwarded on to you all) and I just wanted to check in to offer my support as you continuing your planning. I’m always happy to brainstorm, talk through ideas, offer feedback, etc.

 

I also wanted to share that WICHE will be holding a webinar on this topic on Thursday from 1:30-2:30 p.m., in case you are interested. Here is the link to register: https://wiche.zoom.us/webinar/register/WN_v5UBc0CeQz2C7TmiA89WYA.

 

Hang in there, and please do not hesitate to reach out if there’s anything I can do to help.

 

All the best,

Rebecca

 

 

Rebecca C. Power

Academic Initiatives Analyst

Office of the Commissioner of Higher Education │ Montana University System

(406) 449-9143 │ rpower@montana.eduwww.mus.edu

Thursday, April 16, 2020

Re: Graduation data

I think my inquiry is being blown a bit out of proportion.  I was asking and hoping that the summer graduates were already completed, entered and finalized by October and that it wouldn’t be an issue to include those in our data collection in October.

 

From the responses it appears that is not the case for some schools.

 

This was not intended to be a procedure change, a PBF change, or any change to what is submitted to IPEDS. 

 

Eric Meredith

Business Intelligence Analyst

Office of the Commissioner of Higher Education

emeredith@montana.edu

(406) 449 – 9165

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Johannes, Cheri
Sent: Thursday, April 16, 2020 3:04 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Graduation data

 

Eric,

 

Thank you for the additional context.

 

I would recommend OCHE have a conference call on this topic and include IR directors and probably budget staff on campuses as this appears to impact PBF and would exclude any students who are ‘stragglers’ with degree completion if it is locking EOT a year in advance. The impact/implications exceed the scope of the Registrar’s timelines.

 

Cheri

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Meredith, Eric
Sent: Thursday, April 16, 2020 1:24 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Graduation data

 

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.

The reason for the inquiry is we had to create graduation tables based with the summer after the normal school year as part of the year as compared to our normal tables with the summer before being part of the school year.  This was required for a reporting another requirement.  The tables I mentioned allow us to calculate the numbers and rates of graduations for that reporting. 

 

What has come up is that we usually consider a cohort to be the students that start in the fall.  So if you want a 4 year graduation rate for those cohorts and you truly want it to be 4 years, the summer after the school year would have to be included to allow for 4 full years.  If you don’t use the summer after, then as an example a student that is in the Fall 2012 cohort has to graduate by the end of Spring 2016 to be a 4 year graduate.  If the summer after the school year is used that student technically has until the end of Summer 2016 to graduate in 4 years.

 

The good news here is it would actually slightly increase the 4 year (and also 6 and 8 year) graduation rates for each school, some more than others.  It is not being said that we would use this everywhere and for all reporting, what I am doing is seeing if it is a possibility to have the summers graduation rates into the table by October so we could also calculate the rates as I stated.

 

Eric Meredith

Business Intelligence Analyst

Office of the Commissioner of Higher Education

emeredith@montana.edu

(406) 449 – 9165

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Johannes, Cheri
Sent: Thursday, April 16, 2020 12:47 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Graduation data

 

Eric,

 

I have some questions.

 

Why are we considering this and what is the need for the change?

Are you talking about locking summer completions a year earlier than we do now (EOT)?

EOT is used for a variety of reporting needs (fiscal, IPEDS, PBF).

 

Can you please add context to your query given it is likely “bigger” than whether or not the Registrar’s can have degrees posted by a certain time?

 

Thank you.

 

Cheri Johannes

University Registrar

Montana State University Billings

 

1st Floor West McMullen Hall

1500 University Drive

Billings, MT  59101

Ph:    406-657-2880

Fax:  406-657-2302

 

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Meredith, Eric
Sent: Thursday, April 16, 2020 10:55 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Graduation data

 

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.

We are looking at some of our graduation reporting procedures in the OCHE office.  I was curious if the graduation data for the summer graduates is entered into banner and official by October.  So would the summer of 2020 graduates be completed in Banner by October of 2020?  If not, is this something that could easily be done by then? 

 

In the past we have not collected the summer graduation data until the following year.  So the summer 2020 graduate data is not usually collected by OCHE until October of 2021.  Because of this we are not sure of the timing of when that summer graduates data is actually completed.

 

Eric Meredith

Business Intelligence Analyst

Office of the Commissioner of Higher Education

emeredith@montana.edu

(406) 449 – 9165

 

 

 


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Re: Graduation data

Eric,

 

Thank you for the additional context.

 

I would recommend OCHE have a conference call on this topic and include IR directors and probably budget staff on campuses as this appears to impact PBF and would exclude any students who are ‘stragglers’ with degree completion if it is locking EOT a year in advance. The impact/implications exceed the scope of the Registrar’s timelines.

 

Cheri

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Meredith, Eric
Sent: Thursday, April 16, 2020 1:24 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Graduation data

 

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.

The reason for the inquiry is we had to create graduation tables based with the summer after the normal school year as part of the year as compared to our normal tables with the summer before being part of the school year.  This was required for a reporting another requirement.  The tables I mentioned allow us to calculate the numbers and rates of graduations for that reporting. 

 

What has come up is that we usually consider a cohort to be the students that start in the fall.  So if you want a 4 year graduation rate for those cohorts and you truly want it to be 4 years, the summer after the school year would have to be included to allow for 4 full years.  If you don’t use the summer after, then as an example a student that is in the Fall 2012 cohort has to graduate by the end of Spring 2016 to be a 4 year graduate.  If the summer after the school year is used that student technically has until the end of Summer 2016 to graduate in 4 years.

 

The good news here is it would actually slightly increase the 4 year (and also 6 and 8 year) graduation rates for each school, some more than others.  It is not being said that we would use this everywhere and for all reporting, what I am doing is seeing if it is a possibility to have the summers graduation rates into the table by October so we could also calculate the rates as I stated.

 

Eric Meredith

Business Intelligence Analyst

Office of the Commissioner of Higher Education

emeredith@montana.edu

(406) 449 – 9165

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Johannes, Cheri
Sent: Thursday, April 16, 2020 12:47 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Graduation data

 

Eric,

 

I have some questions.

 

Why are we considering this and what is the need for the change?

Are you talking about locking summer completions a year earlier than we do now (EOT)?

EOT is used for a variety of reporting needs (fiscal, IPEDS, PBF).

 

Can you please add context to your query given it is likely “bigger” than whether or not the Registrar’s can have degrees posted by a certain time?

 

Thank you.

 

Cheri Johannes

University Registrar

Montana State University Billings

 

1st Floor West McMullen Hall

1500 University Drive

Billings, MT  59101

Ph:    406-657-2880

Fax:  406-657-2302

 

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Meredith, Eric
Sent: Thursday, April 16, 2020 10:55 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Graduation data

 

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.

We are looking at some of our graduation reporting procedures in the OCHE office.  I was curious if the graduation data for the summer graduates is entered into banner and official by October.  So would the summer of 2020 graduates be completed in Banner by October of 2020?  If not, is this something that could easily be done by then? 

 

In the past we have not collected the summer graduation data until the following year.  So the summer 2020 graduate data is not usually collected by OCHE until October of 2021.  Because of this we are not sure of the timing of when that summer graduates data is actually completed.

 

Eric Meredith

Business Intelligence Analyst

Office of the Commissioner of Higher Education

emeredith@montana.edu

(406) 449 – 9165

 

 

 


To unsubscribe from the MACRAO list, click the following link:
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Re: Graduation data

IPEDS definition counts summer as the leading term in the academic year.  Four-year (or six-year for that matter) rates are really 8 (12) semesters, or 3.75 (5.75) years.  To minimize confusion, it would be great if OCHE and IPEDS were consistent.

Chris Fastnow, PhD
she/hers/her
Vice President
Planning and Analysis
Montana State University
PO Box 172435
Bozeman, MT 59717-2435
406-994-2870
www.montana.edu/opa

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> on behalf of Morgan, Troy <troy.morgan@MSO.UMT.EDU>
Sent: Thursday, April 16, 2020 1:52 PM
To: MACRAO@LISTSERV.GFCMSU.EDU <MACRAO@LISTSERV.GFCMSU.EDU>
Subject: Re: Graduation data
 
Eric, 

At UM-Missoula, we are definitely done with summer awarding by October. 

Troy 




Troy Morgan
ASSISTANT REGISTRAR
OFFICE OF THE REGISTRAR
Lommasson 201 | Missoula, Montana
t: (406) 243-2262 | e: troy.morgan@umontana.edu
U N I V E R S I T Y O F M O N T A N A


CONFIDENTIALITY: This email message (including any attachments) is for the sole use of the intended recipient(s) and may contain confidential information covered under the Family Educational Rights and Privacy Act (FERPA). If the reader of this message is not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this message (including any attachments) is strictly prohibited. If you have received this message in error, please destroy all copies of the original message (including attachments) and notify me immediately by reply email message or by telephone at (406) 243-2262. Thank you.



From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> on behalf of Meredith, Eric <emeredith@MONTANA.EDU>
Sent: Thursday, April 16, 2020 10:55 AM
To: MACRAO@LISTSERV.GFCMSU.EDU <MACRAO@LISTSERV.GFCMSU.EDU>
Subject: Graduation data
 

We are looking at some of our graduation reporting procedures in the OCHE office.  I was curious if the graduation data for the summer graduates is entered into banner and official by October.  So would the summer of 2020 graduates be completed in Banner by October of 2020?  If not, is this something that could easily be done by then? 

 

In the past we have not collected the summer graduation data until the following year.  So the summer 2020 graduate data is not usually collected by OCHE until October of 2021.  Because of this we are not sure of the timing of when that summer graduates data is actually completed.

 

Eric Meredith

Business Intelligence Analyst

Office of the Commissioner of Higher Education

emeredith@montana.edu

(406) 449 – 9165

 

 



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