ICO Garantía

ICO Garantía SGR. La línea ICO Garantía SGR es una de las más interesantes de todas las líneas del ICO ya que, al contar con el aval de una SGR (Sociedad de Garantía Recíproca) es mucho más accesible. ¿Para qué? Necesidades de liquidez o inversión tanto dentro como fuera del territorio nacional. ¿Importe máximo? Hasta 2 millones de euros en una o varias operaciones. ¿Tipo de operaciones? Préstamos, leasings o líneas de crédito. ¿Plazos? Hasta 15 años con posibilidad de hasta 3 de carencia del principal. ¿Tipos de interés? Entre el 2,3% y el 4,5%, en función de los plazos y si se trata de fijo o variable. La SGR, por su parte, puede cobrar una comisión de estudio de hasta el 0,5% y una cuota social. Si te interesa el ICO... Déjanos tus datos y te llamamos Alba

El iceberg de la financiación para empresas

Lo que más sorprende a muchos empresarios cuando empiezan a trabajar con nosotros es la cantidad de entidades financieras de todo tipo que hay. La mayoría cuando piensan en financiación solo piensan en bancos. Algunos pocos piensan también en empresas de créditos rápidos o de renting. Muy pocos, los que están algo metidos en este mundillo, piensan también en empresas de crowdlending, funding, equity, etc. Y casi nadie es consciente de la realidad: todo eso solo la superficie, la mayoría de las entidades financieras son desconocidas para el gran público. Como en esas imágenes que encuentras en internet o en mensajes de whatsapp en las que sale un iceberg que es muchísimo más grande bajo el agua que sobre ella. Hay hasta bancos (españoles) que el 99% de la gente por la calle no conoce. Nosotros, en España, trabajamos con más de 150 entidades financieras distintas. La mayoría solo las conocemos los profesionales del sector y, obviamente, las empresas que ya trabajan con ellas. Si estás buscando financiación para tu empresa, ésto son buenas noticias... ¡Pero ojo!, como con un iceberg en alta mar, hay que saber lo que te haces para no irte a pique. Para navegar seguro y no tener sustos, nosotros podemos ayudarte. Déjanos tus datos y te llamamos Alba

Enisa Crecimiento 2020

Enisa Crecimiento. Fondos de Enisa (Empresa Nacional de Innovación) para apoyar proyectos empresariales de empresas con un modelo de negocio viable y rentable. ¿Para qué? Proyectos de mejora competitiva, de cambio de sistema productivo, de ampliación de capacidad productiva o adquisición de nueva tecnología. ¿Importe máximo? Hasta 1,5 millones de euros, pero limitado por los fondos propios de la empresa. ¿Tipo de operaciones? Préstamo participativo. ¿Plazos? Hasta 9 años con posibilidad de hasta 7 de carencia del principal. ¿Tipos de interés? Al tratarse de un préstamo participativo, el tipo de interés dependerá de la rentabilidad de la empresa. Si te interesa la línea Enisa Crecimiento... Déjanos tus datos y te llamamos Carina

Financiación con fondos europeos

Línea FEI - Iniciativa Pymes con fondos europeos: FEDER, FEI y BEI. Financiación para pequeñas y medianas empresas españolas. Importe máximo: 12,5 millones. Al tratarse de líneas con garantía del FEI cuentan con condiciones preferentes. Quiero saber más sobre FEI Somos tu oportunidad de acceder a fondos europeos. Contáctanos de 9 a 16 horas en el 981 90 49 49 o te contactamos nosotros Déjanos tus datos Sobre nosotros Somos un socio estratégico para tu empresa. Atendemos a empresas y autónomos de toda España. Servicios genéricos Plan económico Arbitraje financiero Factoring sin recurso Tramitación de avales RAI/ASNEF Otros servicios Subvenciones Marketing Fiscal laboral y contable Hacienda y S.S. Análisis de clientes

Que tu empresa empiece bien el año

Tensiones de tesorería, iliquidez, problemas de liquidez... Los nombres son muchos, pero al final todo se puede resumir en una frase: dinero insuficiente para hacer frente a los compromisos de pago de la empresa. Es algo que vemos cada día con nuevos clientes. Dos de cada cinco empresas que se ponen en contacto con nosotros o nos contratan lo hace para que les ayudemos a solucionar sus tensiones de tesorería. Los motivos suelen ser los siguientes: Excesivas diferencias temporarias entre los plazos de pago y cobro sin la estructura financiera necesaria para soportarlas. Dependencia excesiva de endeudamiento a corto, lo que encarece las operativa de la empresa. Se ve mucho cuando la estrategia financiera de la empresa se "monta" sobre la marcha. Apalancamiento excesivo o mal negociado, que exige unas amortizaciones mensuales superiores a la capacidad real de pago de la empresa. Estructura financiera inexistente que obliga a la empresa a "trabajar a pulmón" cuando no debería. No están todas las causas de iliquidez pero sí las más habituales y que engloban más casos particulares distintos... y, como habrás visto, siempre están de un modo u otro relacionadas con la financiación. Es normal. Si la estructura financiera de tu empresa no trabaja a tu favor sino que lo hace en tu contra, tienes un problema serio. Si quieres empezar el año con buen pie, empieza por mejorar la estructura financiera de tu empresa... Déjanos tus datos y te contamos como hacerlo Tania

ICO 2020 ya en marcha

Líneas ICO renovadas para 2020   CONDICIONES • Hasta 12,5 millones de euros por empresa. • Plazo de amortización de hasta 20 años. • Tipos de interés desde el 2,346%.     PARA • Todo tipo de empresa, autónomos y emprendedores. • Necesidades de inversión o liquidez. • Dentro del territorio nacional.   Analizamos tu caso sin compromiso. Consigue tu informe gratuito de evaluación previa. 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)

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Re: Minor vs Option

Hi Charity,

 

We also have Concentrations (Options) vs. Minors.  Here is our catalog page for your reference.

 

https://catalog.mtech.edu/content.php?catoid=11&navoid=1190

 

Leslie

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Charity Walters
Sent: Monday, January 6, 2020 11:08 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Minor vs Option

 

Thanks Tony.  This is very helpful.

 

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 Morgan, Troy
Sent: Monday, January 06, 2020 10:54 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Minor vs Option

 

Charity,

 

We have quite a few examples at UM. We call them concentrations. Some majors require a concentration, like English (https://catalog.umt.edu/colleges-schools-programs/humanities-sciences/english/overview). Others have concentrations, but don’t require one, like Anthropology (https://catalog.umt.edu/colleges-schools-programs/humanities-sciences/anthropology/overview).

 

I can talk about this more, so feel free to email or call me.

 

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) 243-2470. Thank you.

 

 

 

 

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Charity Walters
Sent: Friday, January 3, 2020 2:28 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Minor vs Option

 

I’m curious, does anyone have a good program example of what an option looks like in a Degree /major.  I’m trying to find some example to show a couple of people so we can clearly designate what is a minor and what is an option.  If there was a degree program out there that clearly outlines an option that would help the discussion.  I’ve already referenced the BOR policy regarding the definitions, but am now looking for clear example of what an actual “Bachelor of….insert degree/major here…with an option in …. looks like.

 

Thanks to anyone that has information.

 

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

 

 

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Re: Minor vs Option

Thanks Tony.  This is very helpful.

 

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 Morgan, Troy
Sent: Monday, January 06, 2020 10:54 AM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Re: Minor vs Option

 

Charity,

 

We have quite a few examples at UM. We call them concentrations. Some majors require a concentration, like English (https://catalog.umt.edu/colleges-schools-programs/humanities-sciences/english/overview). Others have concentrations, but don’t require one, like Anthropology (https://catalog.umt.edu/colleges-schools-programs/humanities-sciences/anthropology/overview).

 

I can talk about this more, so feel free to email or call me.

 

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) 243-2470. Thank you.

 

 

 

 

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Charity Walters
Sent: Friday, January 3, 2020 2:28 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Minor vs Option

 

I’m curious, does anyone have a good program example of what an option looks like in a Degree /major.  I’m trying to find some example to show a couple of people so we can clearly designate what is a minor and what is an option.  If there was a degree program out there that clearly outlines an option that would help the discussion.  I’ve already referenced the BOR policy regarding the definitions, but am now looking for clear example of what an actual “Bachelor of….insert degree/major here…with an option in …. looks like.

 

Thanks to anyone that has information.

 

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

 

 

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Re: Minor vs Option

Charity,

 

We have quite a few examples at UM. We call them concentrations. Some majors require a concentration, like English (https://catalog.umt.edu/colleges-schools-programs/humanities-sciences/english/overview). Others have concentrations, but don’t require one, like Anthropology (https://catalog.umt.edu/colleges-schools-programs/humanities-sciences/anthropology/overview).

 

I can talk about this more, so feel free to email or call me.

 

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) 243-2470. Thank you.

 

 

 

 

 

 

From: MACRAO Listserv <MACRAO@LISTSERV.GFCMSU.EDU> On Behalf Of Charity Walters
Sent: Friday, January 3, 2020 2:28 PM
To: MACRAO@LISTSERV.GFCMSU.EDU
Subject: Minor vs Option

 

I’m curious, does anyone have a good program example of what an option looks like in a Degree /major.  I’m trying to find some example to show a couple of people so we can clearly designate what is a minor and what is an option.  If there was a degree program out there that clearly outlines an option that would help the discussion.  I’ve already referenced the BOR policy regarding the definitions, but am now looking for clear example of what an actual “Bachelor of….insert degree/major here…with an option in …. looks like.

 

Thanks to anyone that has information.

 

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

 

 

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Please add me to the listserve

Good morning,

I would like to be added to the MACRAO@LISTSERV.GFCMSU.EDU listserv

Thank you,

Jana

 

Jana Marcette, Ph.D.

Director of Graduate Studies

Montana State University Billings

jana.marcette@msubillings.edu

406.657.2238.       c:314.750.3127

 

 

P.I. NSF RCN-UBE grant #2010716

Minor vs Option

I’m curious, does anyone have a good program example of what an option looks like in a Degree /major.  I’m trying to find some example to show a couple of people so we can clearly designate what is a minor and what is an option.  If there was a degree program out there that clearly outlines an option that would help the discussion.  I’ve already referenced the BOR policy regarding the definitions, but am now looking for clear example of what an actual “Bachelor of….insert degree/major here…with an option in …. looks like.

 

Thanks to anyone that has information.

 

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