financial literacy
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Don’t Only Work Hard, Be Also S.M.A.R.T!
You wake up in the morning determined to start a brand-new day. Your business requires your immediate attention in all areas: providing services or delivering goods to your existing customers, finding new customers, pay to suppliers, administrative work, developing new products… The moment you realise, it’s time to call it a day, have dinner, spend…
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Value-added Tax (VAT)
When I check social media, I hear often freelancers or small businesses complaining about having to pay the VAT they charge to their customers. In countries like in Spain, from the moment you start a business, you’re obliged to collect this tax to your customers and pay it to the tax authorities. In other countries,…
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What is ROI?
You have a pool of available funds that don’t require an immediate use in the company. Then you decide to invest it and you look at different options in the market: stocks, deposits, bonds, a new machine, a computer, a building… It doesn’t matter, the most important is that it meets the definition of an…
Ruiz Fernandez Business Services 