Esta guía práctica describe la manera más sencilla para conseguir la firma electrónica que te permita cumplir con las obligaciones burocráticas de ser autónomo sin desplazamiento, asumiendo que ya estas dado de alta como tal.
Consigue la firma digital de tu SL en 5 pasosLuis Rivera
Esta guía práctica describe la manera más sencilla para conseguir la firma electrónica que te permita cumplir con las obligaciones burocráticas de tu Sociedad Limitada sin desplazamiento. Este procedimiento asume que has constituido ya tu empresa y eres su administrador.
Santander celebra 30 años de cotización en la Bolsa de Nueva YorkBANCO SANTANDER
El consejero delegado de Banco Santander, José Antonio Álvarez, ha mantenido un encuentro con accionistas e inversores en Nueva York para celebrar el 30 aniversario de cotización de la acción matriz (Santander SA, SAN) en la Bolsa de Nueva York. Al finalizar el acto, en el que participaron también directivos del banco en EEUU y el equipo de Relación con Inversores del Grupo, Álvarez procedió a realizar el tradicional toque de campana de cierre de sesión en la Bolsa de Nueva York.
Vea qué es un Multi-Family Office y cómo brindamos el servicio en FDIjsemiliani
Exclusivo para grupos familiares con grandes patrimonios y con residencia principal en Argentina y/o Uruguay. Proveemos un servicio integral con acceso a todas las soluciones financieras, impositivas y legales para optimizar el gerenciamiento y protección de sus activos.
Consigue la firma digital de tu SL en 5 pasosLuis Rivera
Esta guía práctica describe la manera más sencilla para conseguir la firma electrónica que te permita cumplir con las obligaciones burocráticas de tu Sociedad Limitada sin desplazamiento. Este procedimiento asume que has constituido ya tu empresa y eres su administrador.
Santander celebra 30 años de cotización en la Bolsa de Nueva YorkBANCO SANTANDER
El consejero delegado de Banco Santander, José Antonio Álvarez, ha mantenido un encuentro con accionistas e inversores en Nueva York para celebrar el 30 aniversario de cotización de la acción matriz (Santander SA, SAN) en la Bolsa de Nueva York. Al finalizar el acto, en el que participaron también directivos del banco en EEUU y el equipo de Relación con Inversores del Grupo, Álvarez procedió a realizar el tradicional toque de campana de cierre de sesión en la Bolsa de Nueva York.
Vea qué es un Multi-Family Office y cómo brindamos el servicio en FDIjsemiliani
Exclusivo para grupos familiares con grandes patrimonios y con residencia principal en Argentina y/o Uruguay. Proveemos un servicio integral con acceso a todas las soluciones financieras, impositivas y legales para optimizar el gerenciamiento y protección de sus activos.
El objetivo de esta guía práctica es describir la opción más sencilla para crear una sociedad limitada, el tipo más común de empresa, en la Comunidad de Madrid. Sólo tienes que seguir las instrucciones y rellenar los campos en gris para resolver los trámites burocráticos, que llevarán de 2 a 4 semanas y costarán 350-400 EUR.
Simulacion de empresa, Creacion de una consultoria simulada rosamaricedenozam
Se investiga como crear una consultoria, es la parte estrategica, y la simulaciòn de la misma fue la parte operativa desarrollada mediante un simulacro en el aula de clases
Presentación Webinar 31/7: "Generando Confianza en el Canal Online"eCommerce Institute
Diapositivas presentadas en el Webinar eLideres: "Generando Confianza en el Canal Online" realizado el 31 de Julio del 2014. Los Webinar son una iniciativa del Instituto Latinoamericano de Comercio Electrónico como parte del Ciclo "Conversando con los Lideres"
Programa del curso presencial "Ebusiness para gerentes propietarios Pyme" en la ciudad de Bogotá.
19 de Marzo a 17 de Abril 2010
Más información: http://mercarformacion.com
My name is Pedro Lau Semedo. I’m the CEO of Kognitas and I’m co-founder with Luis Rivera, and Alejo Martínez-Sansigre. And we are a wellbeing startup focusing on wellbeing for geeks.
We provide an integrated service where we give people a chance to experiment from different challenges and little lifestyle changes delivered through chatbots. You have smart scales and a smart watch and a continuous glucose meter, and then people check at their wearable data and sensor the data and see if things are working.
On top of that, we have support through personal health coaches. That really guide you through what things to change or what things are making an impact and, and the hope is that little by little people will make small changes, integrate their mass habits, and over time they will compound into big changes.
Because I identified that whatever worked for me, probably work for a lot of other people in my situation: you know, middle aged people, professionals that don’t have a lot of time, they probably have kids. They’re already having the first signs of an unhealthy metabolism and lifestyle. Like, high cholesterol, high blood pressure. And, uh, we found that this worked much better than the typical fat diet, trying to go to the gym, not going to the gym, and all of those typical things that people are told to do.
https://www.digitalocean.com/resources/podcast/aha-moment-kognitas
El objetivo de esta guía práctica es describir la opción más sencilla para crear una sociedad limitada, el tipo más común de empresa, en la Comunidad de Madrid. Sólo tienes que seguir las instrucciones y rellenar los campos en gris para resolver los trámites burocráticos, que llevarán de 2 a 4 semanas y costarán 350-400 EUR.
Simulacion de empresa, Creacion de una consultoria simulada rosamaricedenozam
Se investiga como crear una consultoria, es la parte estrategica, y la simulaciòn de la misma fue la parte operativa desarrollada mediante un simulacro en el aula de clases
Presentación Webinar 31/7: "Generando Confianza en el Canal Online"eCommerce Institute
Diapositivas presentadas en el Webinar eLideres: "Generando Confianza en el Canal Online" realizado el 31 de Julio del 2014. Los Webinar son una iniciativa del Instituto Latinoamericano de Comercio Electrónico como parte del Ciclo "Conversando con los Lideres"
Programa del curso presencial "Ebusiness para gerentes propietarios Pyme" en la ciudad de Bogotá.
19 de Marzo a 17 de Abril 2010
Más información: http://mercarformacion.com
Similar to Consigue tu firma digital de autonomo en 3 pasos (20)
My name is Pedro Lau Semedo. I’m the CEO of Kognitas and I’m co-founder with Luis Rivera, and Alejo Martínez-Sansigre. And we are a wellbeing startup focusing on wellbeing for geeks.
We provide an integrated service where we give people a chance to experiment from different challenges and little lifestyle changes delivered through chatbots. You have smart scales and a smart watch and a continuous glucose meter, and then people check at their wearable data and sensor the data and see if things are working.
On top of that, we have support through personal health coaches. That really guide you through what things to change or what things are making an impact and, and the hope is that little by little people will make small changes, integrate their mass habits, and over time they will compound into big changes.
Because I identified that whatever worked for me, probably work for a lot of other people in my situation: you know, middle aged people, professionals that don’t have a lot of time, they probably have kids. They’re already having the first signs of an unhealthy metabolism and lifestyle. Like, high cholesterol, high blood pressure. And, uh, we found that this worked much better than the typical fat diet, trying to go to the gym, not going to the gym, and all of those typical things that people are told to do.
https://www.digitalocean.com/resources/podcast/aha-moment-kognitas
Aion Bank, a full service digital bank, today announced the acquisition of ETFmatic. ETFmatic works with some of the best exchange traded funds (ETFs) in the world to offer a transparent end-to-end service to investors.
Belgiums Aion bank has acquired London robo advisor ETFmaticLuis Rivera
The neobank is looking to boost its investment proposition.
Belgium’s Aion Bank has acquired London robo-advisor ETFmatic
Image source: Aion Bank.
Aion Bank has acquired low-cost ETF investment platform ETFmatic, a new digital bank in Belgium backed by private equity giant Warburg Pincus.
Aion launched last March as a subscription-based bank, with its €3.90/month Light account offering high-interest rates of up to 1 per cent and its €19/month Premium account offering automated ETF investing.
This is where the ETFmatic acquisition comes in, Aion says the deal will help it create new investment products in more countries, while ETFmatic will continue to operate as a stand-alone brand.
Wealth and investment offerings are fairly few and far between among digital banks right now. Currently, Revolut offers direct access to stocks, crypto and commodities trading, but not the kind of robo-advice offered by a Nutmeg or Wealthify.
Aion Bank, now with ETFmatic’s help, is clearly trying to find a market in the middle for neobank plus robo-advisor.
For ETFmatic the deal will also see an expansion of its white-label service across Europe, the service which Aion used to launch its ETF investment product.
“ETFmatic has been a great partner since our Belgian launch in March 2020,” said Aion CEO Wojciech Sobieraj.
“We are the bank designed to help our members save and earn more, and portfolio management is a key product as we prepare to expand across Europe.”
Next up on that expansion is Poland, where the bank is due to do live later this year.
Johan Hellman, CEO of ETFmatic, said: “ETFs have seen significant growth during the pandemic, and I anticipate investors will continue to look to ETFs as we see market recovery in the quarters to come.”
The deal has already been approved by the UK’s Financial Conduct Authority and is effective immediately, no financial details of the deal were disclosed.
FT Adviser - Robo-adviser launches tax monitoring featureLuis Rivera
Europe-wide robo-adviser has launched a capital gains harvesting feature to help its clients optimise their investments and reduce the need for aggressive asset allocation rebalancing.
ETFmatic's new feature will work by identifying and selling those ETFs that have increased in value and replacing them with similar ones to ensure the same asset allocation exposure is maintained for clients.
The robo-adviser claims to be Europe's only digital wealth management platform that offers ETF portfolios in sterling, Euros and US dollars.
Luis Rivera, chief executive of ETFmatic, said: "Investors in Europe deserve cost effective portfolio management with asset allocations that make sense to them. Our aim is to offer clients more of the kinds of services that have historically only been available to individuals with several million to invest.
"Since our launch two years ago, we have continuously been developing new solutions which add further value to our services. The new capital gains feature lays the groundwork for further tax optimisation tools around loss harvesting in the future."
ETFmatic will begin rolling out the service to clients in 32 European Union states. Initially, it will only be available to eligible clients with portfolios of GBP/USD/EUR 50,000 plus.
The company has said those who are not familiar with capital gains tax or the tax-free allowance should seek professional tax advice before deciding whether to enable the feature on their account.
It charges 0.48 per cent on portfolios of up to GBP/EUR/USD 25,000, and 0.29 per cent for those of more than GBP/EUR/USD 25,000 and above.
ETFmatic has not disclosed how much it has in assets under management.
Negocios - Portugueses ja confiam num robot para gerir o seu dinheiroLuis Rivera
Portugueses estão entre os principais clientes da primeira gestora robótica de patrimónios. Mas os investidores nacionais são mais conservadores do que no resto da Europa.
Portugueses já confiam num robot para gerir o seu dinheiro
Bloomberg
Ler mais tarde Imprimir
Negócios jng@negocios.pt
14 de dezembro de 2017 às 12:39
A ETFmatic, a primeira gestora robótica de patrimónios a operar em Portugal, tem clientes em 32 países, entre os quais as maiores economias do mundo como Alemanha, França, Reino Unido, Espanha e Finlândia, mesmo assim o nosso país é um dos seus cinco melhores clientes, revela hoje o Observador.
Há quase uma década que os gestores-robot são uma realidade nos Estados Unidos, país onde já administram mais de 45 mil milhões de euros. Mas na Europa o caminho tem sido mais lento, e em Portugal a ETFmatic é aliás a única empresa a usar este modelo de gestão de património – em que o dinheiro dos clientes é investido automaticamente através de algoritmos - e começou o operar há apenas um ano e meio.
"Portugal é agora um dos cinco principais mercados" da ETFmatic, "definitivamente, não estávamos à espera", revela o empreendedor espanhol que fundou a ETFmatic, em Londres, Luís Rivera. O gestor não revela números, mas avança com uma explicação para o sucesso em Portugal: "Muito do nosso crescimento está a vir de países onde os emitentes de fundos cotados não investiram no desenvolvimento, [logo] a nossa oferta é mais disruptiva."
Na mesma entrevista ao Observador, o fundador da ETFmatic conta que os investidores nacionais são mais conservadores do que no resto da Europa. A carteira mais comum entre os portugueses tem 40% aplicado no mercado accionista e 60% em fundos de obrigações, revela Luís Rivera. Ao nível europeu, a carteira mais popular tem 80% exposta a acções e 20% a obrigações, de acordo com as estatísticas mais recentes da companhia londrina. Isto acontece "apesar de [os portugueses] serem ligeiramente mais novos", com 32 anos, afirma Luís Rivera.
FT Adviser - Passive platform announces fee cutLuis Rivera
ETFmatic, a provider of exchange traded funds (ETFs) has announced a reduction in its fees.
The annual management fee on its range of passive portfolios of less than £25,000 will be 0.48 per cent, a reduction of 0.02 per cent.
For portfolios of greater than £25,000, the annual management fee drops to 0.29 per cent, from the previous 0.30 per cent.
When admin and tax costs are added, this takes the total expense ratio of the portfolios will be 0.60 per cent for the portfolio below £25,000, and 0.45 per cent for those above, according to the company.
Citywire - Online Investment firm cuts management fees to under 18sLuis Rivera
A pan-European robo-advice firm is hoping to hook in the next generation of investors with a zero management fee for under 18s.
ETFmatic, which operates in the UK and 31 other European countries, began offering the service in October. Nations hit the hardest by the financial crisis, such as Spain and Ireland, have provided the most clients, the firm said.
Product director Johann Bornman said: ‘Time and compound interest are incredible allies in achieving your financial goals. A simple way to ensure the highest possible rate of compound (return), for the level of risk you are willing to take, is to keep your costs as low as possible.
‘Paying high fees might send your banker’s kids to nice schools, but severely impacts where your children will call their alma mater.’
ETFmatic also recently removed management fees for women for a limited period, in a bid to close the gender gap among its clients.
Robo-adviser offers fee-free investing for womenLuis Rivera
Women who open and fund an account with ETFmatic will not pay investment management fees for six months.
The robo-investor’s campaign is designed to throw light on the investment gender gap, which typically sees men in a better position to invest than women who are more likely to take career breaks or a cut in hours to raise their children.
The ability for women to invest may also be hampered by the 18.6 per cent salary difference for all types of employment and 9.4 per cent for full-timers.
While the gender pay gap is closing Deloitte estimates it will only slam shut in 2069, if the current trend perseveres.
Attitude to risk is a further factor that adds to the differences between men and women.
Several studies have found women are more likely to put money into savings accounts, rather than invest.
ETFmatic concludes this indicates a lower tolerance for investment risk, which needs to be addressed if women are to achieve long-term financial goals.
Stefanie zu Dohna, client and operations director at ETFmatic, said: “At ETFmatic 10 per cent of our clients are female. The average age of our customers is 34 years. This is an age where lots of people settle down and start seriously thinking about their investments for the future.
"But this is also an age where many women are likely to be taking time out of full time work to raise children and earnings may decline - any savings put to one side on a regular basis need to work harder to meet long term financial goals.
“For the next month any woman that opens and funds an account with ETFmatic will have zero investment management fees for six months.
"We hope this helps plug any investment gaps, and encourages more women to use digital wealth management platforms as an alternative investment solution that’s quick, easy, transparent and secure.”
Susan Hill, chartered financial planner at Susan Hill Financial Planning, said: “There is a need for women to take control of their finances. They like to have a plan and to work towards a goal, however they are more cautious than men, and take more time to consider their options.
“I think male advisers don’t always help as they work differently to women and can come across as a little patronising. The solution is to get more female advisers out there and, of course, to ensure sound financial education starts at an early age, and is delivered with both genders in mind.”
El robo advisor etfmatic presente en 32 países Luis Rivera
El robo-advisor ETFmatic, presente en 32 países
El robo-advisor ETFmatic se convierte en la primera aplicación en estar presente en 32 países. Ofrece carteras diseñadas individualmente de acuerdo con la tolerancia y riesgo de cada inversor.
JUEVES, 19 ENERO 2017IRENE DEL CAMPO
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Desde que comenzó su andadura en junio de 2016, ETFmatic ha realizado una rápida expansión internacional que le ha llevado en tan solo seis meses a ofrecer sus servicios en España, Portugal, Bélgica, Irlanda, Suiza, Dinamarca, Letonia, Austria, Estonia, Países Bajos, Polonia, Bulgaria, Croacia, Chipre, República Checa, Finlandia, Francia, Alemania, Gibraltar, Grecia, Hungría, Islandia, Italia, Liechtenstein, Lituania, Luxemburgo, Malta, Noruega, Rumania, Eslovaquia, Eslovenia y Reino Unido.
Luis Rivera, consejero delegado (CEO) de la compañía, destaca que ofrecen “más flexibilidad que otros robo-advisors ya que permite gestionar un portfolio único para cada cliente”.
Asimismo, llama la atención en otras de las ventajas de ETFmatic que “ofrece costes menores que la banca tradicional, con fácil accesibilidad las 24 horas los 365 días del año a través del móvil y que permite la apertura de una cuenta de inversión en 32 países en tan solo cinco minutos. Los inversores continentales tienden a pagar tarifas más altas, por lo que encuentran en los robo-advisors a un gran aliado para minimizar costes mientras generan altas rentabilidades”, explica.
Esta aplicación, continúa la firma en un comunicado, “se diferencia de los productos existentes en el mercado por configurar un portfolio personalizado y único para cada cliente en función de su perfil de inversor (conservador, medio o agresivo), su edad y sus ingresos, así como las metas financieras establecidas, y no en base a los intereses de aquellos que lo comercializan. De este modo, según los datos registrados el servidor establece de forma automática una cartera diversificada diseñada para cumplir los objetivos de rentabilidad marcados”.
Además, continúa, se trata del primer robo-advisor que está disponible directamente desde el móvil sin necesidad de entrar en una página web, a través de una herramienta de gestión simple y ágil. Desde la aplicación, los clientes pueden abrir una cuenta de simulación con fondos virtuales ilimitados para comparar beneficios y tarifas con variantes tradicionales. Y la inversión mínima requerida es de 100 euros.
Según asegura el CEO de ETFmatic, “todas estas ventajas son posibles gracias a que hemos desarrollado una completa regulación y tecnología que nos ha permitido eliminar intermediarios y ofrecer un servicio completo a coste inferior comparado con la competencia”.
Audio boom i robo advisor et fmatic launches robo investment platformLuis Rivera
Robo-investment platforms have been on the rise in recent years. Nutmeg has been the pioneer: you fill in a questionnaire, then algorithms - or a 'robo-advisor' - picks a portfolio tailored to you.
A new platform has entered the fray: ETFmatic. Share Radio's Ed Bowsher spoke to ETFMatic's CEO Luis Rivera to find out about his new platform as well as the growing world of robo-investment.
Observador.pt - Esqueça o gestor de conta. Chegou o primeiro robô que lhe ger...Luis Rivera
A ETFmatic é a primeira gestora robótica de ativos registada em Portugal. Luis Rivera, o espanhol que lidera a firma britânica, explica como consegue reduzir as comissões a 0,5% do património por ano.
Guía para hacer un Plan de Negocio para tu emprendimiento.pdfpppilarparedespampin
Esta Guía te ayudará a hacer un Plan de Negocio para tu emprendimiento. Con todo lo necesario para estructurar tu proyecto: desde Marketing hasta Finanzas, lo imprescindible para presentar tu idea. Con esta guía te será muy fácil convencer a tus inversores y lograr la financiación que necesitas.
Anna Lucia Alfaro Dardón, Harvard MPA/ID.
Opportunities, constraints and challenges for the development of the small and medium enterprise (SME) sector in Central America, with an analytical study of the SME sector in Nicaragua. - focused on the current supply and demand gap for credit and financial services.
Anna Lucía Alfaro Dardón
Dr. Ivan Alfaro
Anna Lucia Alfaro Dardón, Harvard MPA/ID. The international successful Case Study of Banco de Desarrollo Rural S.A. in Guatemala - a mixed capital bank with a multicultural and multisectoral governance structure, and one of the largest and most profitable banks in the Central American region.
INCAE Business Review, 2010.
Anna Lucía Alfaro Dardón
Dr. Ivan Alfaro
Dr. Luis Noel Alfaro Gramajo
1. b u i l d i n g
c o m p a n i e s
C ONSIGUE TU FIRMA DIGITAL DE AUTÓNOMO EN
3 PASOS .
Esta guía práctica describe la manera más sencilla para conseguir la firma electrónica que te permita cumplir
con las obligaciones burocráticas de ser autónomo sin desplazamiento, asumiendo que ya estas dado de alta
como tal.
Recomendamos consultar junto con los otros documentos del curso “Crash course burocrático para
emprendedores”:
• 10 preguntas para decidir si constituir tu empresa debe esperar
• Constituye tu empresa en 10 pasos
• Consigue la firma digital de tu S.L. en 5 pasos
• Resuelve el papeleo de autónomo en 5 pasos
• Resuelve el papeleo de tu S.L. en 5 pasos
• Plantilla Excel para llevar cuentas S.L. y autónomo
• Calculadora precio por hora y sueldo freelance
1. Ir a web de CERES para y buscar solicitud de certificado. Teclear NIF y solicitar “medium grade”. Guardar
código.
2. Ir a oficina más cercana de Seguridad Social para pedir número de verificación con el DNI del socio y el
código.
3. Ir a web de CERES, buscar descarga de certificado, e instalar firma usando código del certificado recibido
en la Seguridad Social.
Este documento ha sido publicado por Luis Rivera para Okuri Ventures el 18 de noviembre de 2008 bajo licencia
Creative Commons Código interno de documento y versión: W002v0.91
[ Okuri Ventures S.L.] [www.okuri.es] [ +34.91.294.04.75 ] [ Marques de Urquijo 2, 5 planta, 28008 Madrid ] Page 1 of 1