Sunday, February 28, 2021

Subvenciones para Pymes

Subvenciones para empresas
 

Subvenciones para empresas

Las subvenciones no son para la mayoría de empresas:

....si necesitas el dinero para hacer una inversión, las subvenciones no te lo van a dar.

... si tu empresa está pasando un mal momento económico, las subvenciones no te van a ayudar.

... si dependes de una subvención para que tu negocio sea rentable, estás buscando la solución equivocada.

Entonces, ¿para qué valen las subvenciones?

Para ayudar a empresas sólidas y rentables con buenos proyectos (inversión, expansión, optimización, etc.) a recuperar parte de lo invertido en esos proyectos.

No sirven para poner proyectos en marcha, sino para reducir el impacto económico en la empresa de los mismos una vez ya se han realizado las inversiones.

En definitiva, las subvenciones no son financiación gratis como piensan algunos, son ayudas a posteriori para aquellas empresas que invierten en su crecimiento.

Si tu empresa tiene un proyecto en marcha y quieres saber si es subvencionable...

Déjanos tus datos y te llamamos

Gracias,

Elsa

Wednesday, February 24, 2021

No bancarias para Pymes

Líneas no bancarias para Pymes

 

Préstamos de fondos de inversión

Operaciones sin avales ni garantías a partir de 500.000 euros y hasta 15 millones. Periodos de amortización de hasta 7 años con un máximo de 4 de carencia.

Crowdlending

Préstamo en masa que no lleva asociados otros productos, no computa en Cirbe y no exige que se perpetúe la relación prestamista/prestatario.

Pagarés corporativos

Para empresas en crecimiento. Producto muy flexible que actúa como reserva de tesorería y permite regular desfases puntuales.

Leaseback y Rentback

Venta y posterior arrendamiento financiero de inmovilizado material. Condiciones (plazos y costes) muy favorables y ventajas fiscales.

Renting y Leasing

Líneas óptimas para la inversión en maquinaria. Aunque tanto el Renting como el Leasing se verán reflejados en el pasivo de la empresa, el Renting no computará en Cirbe.

Factoring y otras líneas de descuento

Adelanto de derechos de cobro (pagarés, facturas, recibos, contratos...) propiedad de la empresa para reducir las diferencias temporarias entre cobros y pagos y disponer de liquidez.

Si quieres saber más, analizamos tu caso sin compromiso...

 
Déjanos tus datos y te llamamos
 

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

Re: HyFlex and Blended Courses

BL practices below.

 

Something not asked, but worth mentioning, is our eLearning operation offers professional development/training/courses (I don’t have the correct verbiage here, but…) on how to be successful with Hyflex teaching for our faculty. We (registrar’s office) don’t schedule Hyflex sections/faculty unless they are on the approved list.

 

Cheri

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Dena Wagner-Fossen
Sent: Wednesday, February 24, 2021 5:14 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: HyFlex and Blended Courses

 

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.

GFC MSU is also ready to implement and is hoping to get some suggestions from you regarding best practices prior to rolling this out on campus.

 

1 – We have been told by our Finance Office that we will be triggering the online course fee for these courses. Don’t forget to work with your Finance Offices to make these codes trigger those fees if you are doing the same.

 

We have been doing Hyflex for a couple of years; and utilize the technology fee. Example of how that looks below in #2. We coordinate with student accounts.

 

2 – Does anyone have a thought about template language on the course schedule?  We are thinking about the following:

Course fees include Online Technology Fee of $21 per credit. Students may participate in class in-person or synchronously online at the days and times stated, or asynchronously online through the learning management system.

 

 

3 – Anyone thinking of using different section coding as well as the new codes below? If so, would you be willing to share your logic?

 

BL has long used section numbers for identifiers. Online is 800, Hybrid is 600, HyFlex is 700.

 

4 – And finally, we are looking for your wisdom on certifying courses with the VA.

 

We have worked with our faculty, our student veteran’s/military affiliated, and our VA certifying official to document the on site course attendance. Not to muddy the waters, but if you have an international population there are immigration compliance considerations for those students so working with International programs is important.

 

See language below about how to certify students’ courses with the VA.  We are especially concerned about the yellow highlighted sections. How do you build one HyFlex course section and know if the student attends at least one in-class session? It’s a catch-22 issue.

 

Unless you make it mandatory to have students attend at least one in-person meeting (which defeats the purpose of HyFlex), I don’t see any way to build just one course section. Unless you just assume they NEVER attend in person, (which also defeats the purpose of HyFlex and may negatively affect a student’s housing allowance ). Either way I hate to just assume the student is or isn’t attending face-to-face at least once. Or are you collecting evidence otherwise that shows a VA student is attending at least one in-class session?

 

We are thinking about two courses, same prefix/number/name with different section codes cross-listed in banner for capacity. Then the student can register for the more face-to-face option, vs the more online option and we know what their intention is for reporting to the VA?  The course coding would be the same, it would just help our reporting, as well as maybe help the faculty know what their course participating mixture is like.

 

Below is the language about certifying hybrid courses as “In-residence” instead of distance for VA students (this is NOT residency, just how the VA phrases online or not online courses). I think Example #4 most closely resembles what is being talked about with the HyFlex model. Looks like the students would have to attend one in-class session in order to meet the criteria to be certified as an In-residence (in-person) course instead of a distance only course. Currently, there is no issue certifying the hybrid courses as in-residence because the hybrid courses are meeting the criteria.

 

When to Certify Courses As “In-Residence” On VA Enrollment Certifications (38 U.S.C. 3313(c)(1)(B)(iii) and 38 U.S.C. 3313(g)(3)(A)(ii)(I)(bb) 

For terms beginning on or after August 15, 2019, you will certify most courses which contain an in-residence component as in-residence training. “Hybrid” training which combines residential and distance learning will be certified as in-residence when the following conditions are met:

·         Hybrid training must have at least one session that meets the definition of a standard class session (i.e. one 50-minute class,) but does not have to meet weekly.

·         Your school’s approval must specifically include resident and distance learning to report “hybrid” courses to VA.  If both modalities are approved, qualifying “hybrid” courses should be reported as “res” on the enrollment certification. Contact your State Approving Agency for clarification as needed.  

Example 1: A 3-credit undergraduate course requires students to physically attend class once a week for 1-hour. All the rest of the training is conducted online. You would certify this class as in-residence. 

Example 2: A 3-credit undergraduate course requires students to meet in class for the first day of term and attend all mid-terms and finals in person. All the rest of the training is conducted online. You would certify this class as in-residence. 

Example 3: A 3-credit graduate course meets once at the beginning of the term. All the rest of the training is conducted online. You would certify this class as in-residence. 

Example 4: A 3-credit undergraduate course allows students to voluntarily attend a course in- residence 1-hour a week, though the student has the option to take that hour online. You could certify this class as in-residence, if you have supporting evidence that the student attended at least 1 of the in-classroom sections. If you do not have this supporting information, you cannot certify this course as in-residence and must report it as distance. 

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Johannes, Cheri
Sent: Wednesday, February 24, 2021 3:53 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: HyFlex and Blended Courses

 

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.

MSUB is ready to implement.

 

Cheri

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Thunstrom, John
Sent: Wednesday, February 24, 2021 10:54 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: HyFlex and Blended Courses

 

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.

Good morning, everyone-

Hoping your spring semester is going well!  I’m writing to ask campuses to adopt some new coding for HyFlex courses in Fall of 2021 based off of the attached decision tree.  The proposed coding for the HyFlex designation would be as follows, as compiled by the campuses of MSU:

 

 

STVSESS – Session

Code

Description

H

HyFlex

 

GORINTG – Integration Partner

 

Code

Description

HYFLX

HyFlex

 

 

GTVINSM – Instructional Method

Code

Description

HYFLX

HyFlex

 

 

The code we at OCHE are most concerned with is the session code of ‘H’.  Please take a few moments to look over the decision tree and proposed coding and respond with any concerns.  If everything lines up with your expectations, please implement these coding changes for the Fall 2021 semester.

 

Thanks,

John

 

 

John Thunstrom

MUS IT Director

Office of the Commissioner of Higher Education

(406) 544-3822

jthunstrom@mso.umt.edu

 

 


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Re: HyFlex and Blended Courses

GFC MSU is also ready to implement and is hoping to get some suggestions from you regarding best practices prior to rolling this out on campus.

 

1 – We have been told by our Finance Office that we will be triggering the online course fee for these courses. Don’t forget to work with your Finance Offices to make these codes trigger those fees if you are doing the same.

 

2 – Does anyone have a thought about template language on the course schedule?  We are thinking about the following:

Course fees include Online Technology Fee of $21 per credit. Students may participate in class in-person or synchronously online at the days and times stated, or asynchronously online through the learning management system.

 

3 – Anyone thinking of using different section coding as well as the new codes below? If so, would you be willing to share your logic?

 

4 – And finally, we are looking for your wisdom on certifying courses with the VA.

 

See language below about how to certify students’ courses with the VA.  We are especially concerned about the yellow highlighted sections. How do you build one HyFlex course section and know if the student attends at least one in-class session? It’s a catch-22 issue.

 

Unless you make it mandatory to have students attend at least one in-person meeting (which defeats the purpose of HyFlex), I don’t see any way to build just one course section. Unless you just assume they NEVER attend in person, (which also defeats the purpose of HyFlex and may negatively affect a student’s housing allowance ). Either way I hate to just assume the student is or isn’t attending face-to-face at least once. Or are you collecting evidence otherwise that shows a VA student is attending at least one in-class session?

 

We are thinking about two courses, same prefix/number/name with different section codes cross-listed in banner for capacity. Then the student can register for the more face-to-face option, vs the more online option and we know what their intention is for reporting to the VA?  The course coding would be the same, it would just help our reporting, as well as maybe help the faculty know what their course participating mixture is like.

 

Below is the language about certifying hybrid courses as “In-residence” instead of distance for VA students (this is NOT residency, just how the VA phrases online or not online courses). I think Example #4 most closely resembles what is being talked about with the HyFlex model. Looks like the students would have to attend one in-class session in order to meet the criteria to be certified as an In-residence (in-person) course instead of a distance only course. Currently, there is no issue certifying the hybrid courses as in-residence because the hybrid courses are meeting the criteria.

 

When to Certify Courses As “In-Residence” On VA Enrollment Certifications (38 U.S.C. 3313(c)(1)(B)(iii) and 38 U.S.C. 3313(g)(3)(A)(ii)(I)(bb) 

For terms beginning on or after August 15, 2019, you will certify most courses which contain an in-residence component as in-residence training. “Hybrid” training which combines residential and distance learning will be certified as in-residence when the following conditions are met:

·         Hybrid training must have at least one session that meets the definition of a standard class session (i.e. one 50-minute class,) but does not have to meet weekly.

·         Your school’s approval must specifically include resident and distance learning to report “hybrid” courses to VA.  If both modalities are approved, qualifying “hybrid” courses should be reported as “res” on the enrollment certification. Contact your State Approving Agency for clarification as needed.  

Example 1: A 3-credit undergraduate course requires students to physically attend class once a week for 1-hour. All the rest of the training is conducted online. You would certify this class as in-residence. 

Example 2: A 3-credit undergraduate course requires students to meet in class for the first day of term and attend all mid-terms and finals in person. All the rest of the training is conducted online. You would certify this class as in-residence. 

Example 3: A 3-credit graduate course meets once at the beginning of the term. All the rest of the training is conducted online. You would certify this class as in-residence. 

Example 4: A 3-credit undergraduate course allows students to voluntarily attend a course in- residence 1-hour a week, though the student has the option to take that hour online. You could certify this class as in-residence, if you have supporting evidence that the student attended at least 1 of the in-classroom sections. If you do not have this supporting information, you cannot certify this course as in-residence and must report it as distance. 

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Johannes, Cheri
Sent: Wednesday, February 24, 2021 3:53 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: HyFlex and Blended Courses

 

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.

MSUB is ready to implement.

 

Cheri

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Thunstrom, John
Sent: Wednesday, February 24, 2021 10:54 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: HyFlex and Blended Courses

 

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.

Good morning, everyone-

Hoping your spring semester is going well!  I’m writing to ask campuses to adopt some new coding for HyFlex courses in Fall of 2021 based off of the attached decision tree.  The proposed coding for the HyFlex designation would be as follows, as compiled by the campuses of MSU:

 

 

STVSESS – Session

Code

Description

H

HyFlex

 

GORINTG – Integration Partner

 

Code

Description

HYFLX

HyFlex

 

 

GTVINSM – Instructional Method

Code

Description

HYFLX

HyFlex

 

 

The code we at OCHE are most concerned with is the session code of ‘H’.  Please take a few moments to look over the decision tree and proposed coding and respond with any concerns.  If everything lines up with your expectations, please implement these coding changes for the Fall 2021 semester.

 

Thanks,

John

 

 

John Thunstrom

MUS IT Director

Office of the Commissioner of Higher Education

(406) 544-3822

jthunstrom@mso.umt.edu

 

 


To unsubscribe from the MACRAO list, click the following link:
http://listserv.gfcmsu.edu/scripts/wa.exe?TICKET=NzM3ODc1IGNqb2hhbm5lc0BNU1VCSUxMSU5HUy5FRFUgTUFDUkFPIJpUZmmZP6nK&c=SIGNOFF

 


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Re: HyFlex and Blended Courses

MSUB is ready to implement.

 

Cheri

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Thunstrom, John
Sent: Wednesday, February 24, 2021 10:54 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: HyFlex and Blended Courses

 

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.

Good morning, everyone-

Hoping your spring semester is going well!  I’m writing to ask campuses to adopt some new coding for HyFlex courses in Fall of 2021 based off of the attached decision tree.  The proposed coding for the HyFlex designation would be as follows, as compiled by the campuses of MSU:

 

 

STVSESS – Session

Code

Description

H

HyFlex

 

GORINTG – Integration Partner

 

Code

Description

HYFLX

HyFlex

 

 

GTVINSM – Instructional Method

Code

Description

HYFLX

HyFlex

 

 

The code we at OCHE are most concerned with is the session code of ‘H’.  Please take a few moments to look over the decision tree and proposed coding and respond with any concerns.  If everything lines up with your expectations, please implement these coding changes for the Fall 2021 semester.

 

Thanks,

John

 

 

John Thunstrom

MUS IT Director

Office of the Commissioner of Higher Education

(406) 544-3822

jthunstrom@mso.umt.edu

 

 


To unsubscribe from the MACRAO list, click the following link:
http://listserv.gfcmsu.edu/scripts/wa.exe?TICKET=NzM3ODc1IGNqb2hhbm5lc0BNU1VCSUxMSU5HUy5FRFUgTUFDUkFPIJpUZmmZP6nK&c=SIGNOFF

HyFlex and Blended Courses

Good morning, everyone-

Hoping your spring semester is going well!  I’m writing to ask campuses to adopt some new coding for HyFlex courses in Fall of 2021 based off of the attached decision tree.  The proposed coding for the HyFlex designation would be as follows, as compiled by the campuses of MSU:

 

 

STVSESS – Session

Code

Description

H

HyFlex

 

GORINTG – Integration Partner

 

Code

Description

HYFLX

HyFlex

 

 

GTVINSM – Instructional Method

Code

Description

HYFLX

HyFlex

 

 

The code we at OCHE are most concerned with is the session code of ‘H’.  Please take a few moments to look over the decision tree and proposed coding and respond with any concerns.  If everything lines up with your expectations, please implement these coding changes for the Fall 2021 semester.

 

Thanks,

John

 

 

John Thunstrom

MUS IT Director

Office of the Commissioner of Higher Education

(406) 544-3822

jthunstrom@mso.umt.edu

 

Monday, February 22, 2021

AACRAO Spring Meeting Reimbursement

Hello!  Are you planning to attend the virtual spring AACRAO meeting?  If so, you may be eligible for a $249 scholarship paid for by the MACRAO professional development funds for your AACRAO conference payment.  The current funds will allow for one registration fee per higher education institution to be reimbursed.  To qualify for the reimbursement, please ensure you have paid your MACRAO Institutional Membership Dues and complete the online AACRAO Spring Meeting Reimbursement form which can be found here: http://www.macraomontana.org/aacrao-reimbursement.html.  Be sure to upload a copy of your paid registration as well as the address for the Business Office where the check should be sent.  We are very excited to provide this opportunity for all institutions in Montana and are looking to potentially hold a Summer de-brief to share what we learned during the spring meeting.

 

               AACRAO conference information:

  1. General Information:
    1. https://www.aacrao.org/events-training/meetings/annual-meeting
  2. Dates:
    1. March 29-April 1, 2021
  3. Cost:
    1. The $249 price is good for members of AACRAO only.  After 2/28/2021 this price does increase to $350.
    2. The cost is $449 for non-members.  After 2/28/2021 this price does increase to $550.

 

 

 

Ashley Irion

Associate Registrar

Montana State University

Office of the Registrar

111 Montana Hall

Phone: (406) 994.5524

montana.edu/registrar

 

 

 

Sunday, February 21, 2021

Líneas ICO 2021

Líneas ICO 2021
 

Líneas ICO 2021

Se acaban de abrir las nuevas líneas ICO para 2021, que funcionarán en paralelo a los avales ICO Covid.

¿Para quién?

Autónomos y todo tipo de empresas que deseen llevar a cabo actividades empresariales y/o inversiones, cubrir necesidades de liquidez o gastos dentro del territorio nacional.

Líneas

- ICO Empresas y Emprendedores

Para liquidez o inversión, proyectos de digitalización y rehabilitación. Préstamos, leasing, renting o línea de crédito. Hasta 20 años con hasta 3 de carencia.

- ICO Crédito Comercial.

Para el anticipo de facturas (hasta 180 días) o prefinanciación para cubrir los costes de producción de productos para su venta.

- ICO Red.es Acelera

Para financiar hasta el 100% de proyectos beneficiarios de ayudas de Red.es. Para proyectos que fomenten el desarrollo, impulso y adopción de tecnologías digitales, así como proyectos de desarrollo experimental (prototipos, pilotos, ensayos...).

Si te interesan las nuevas líneas ICO de 2021...

Haz clic aquí para que te llamemos.

Elsa

Thursday, February 18, 2021

Re: Fall 2021 modalities/social distancing plans?

Bozeman intends to return the classrooms to pre-COVID capacities but retain the increased use of the various modalities. 

 

 

Sincerely,

Tony

 

Tony Campeau

Montana State University

406.994.2604

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Mangold, Maria
Sent: Wednesday, February 17, 2021 3:16 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Fall 2021 modalities/social distancing plans?

 

Dear colleagues,

 

What directives/plans do you have in place for fall 2021 course scheduling and registration?  Are institutions going back to “pre-COVID” conditions in terms of increasing room capacities?  Will social distancing measurements be relaxed for face-to-face instruction (e.g. 3 feet instead of 6 feet)?  Will “remote” or “hybrid/hyflex” modalities continue or be greatly reduced?  We’re curious…

 

Thanks for any info you can provide. 

 

Best regards,

Maria

 

MARIA H. MANGOLD, M.Ed.

UNIVERSITY REGISTRAR

EL 201   |   Missoula, Montana

t: (406) 243-2412     e: maria.mangold@umontana.edu     w: umt.edu/registrar/

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

 

 


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