Ruiz Fernandez Business Services

  • Annual Reports. Why wait?

    Annual Reports. Why wait?

    At the end of the financial year, companies are expected to prepare an annual report for the Government, usually to the Chamber of Commerce or any other responsible institution. Usually, these annual reports need to be presented within 6 months after the end of the financial year. That is, if your financial year ends on… Read more

  • Putting Money to Work or Squandering it?

    Putting Money to Work or Squandering it?

    If you are in business or investments, it’s quite likely you heard the saying that “money needs to be put to work”. As the expression says, to generate more earnings, money needs to be invested to create value and in consequence, higher earnings. However, some “investments” are actual expenses that bring no actual economic value,… Read more

  • Ethics vs Law

    Time ago I had a business in Spain. Cash coming in is always great. No one can deny that. However, despite being Spanish, I’m not a tax resident because I’m living abroad. However, in the contract we signed, it was suggested I was to be responsible to pay a certain tax. Due to my lack… Read more

  • Can a Business Be Profitable if it’s Ethical?

    In business I hear many stories. The ones that mainly catch my attention are those of businesses not taking, let’s say, full responsibility or following contracts as they should. Examples could go between employers not paying full salaries, suppliers not completing a job or delaying reparations, companies offering vouchers if you refer them to a… Read more

  • Always Learning

    Probably most of us, when we were little, we were told about how important was to go to college, get a degree to ensure we could get a well paid job. Some of us did it, attended to lectures, passed exams, and earned a diploma as a proof of our hard work. Others did not… Read more

  • Don’t Be Afraid of Asking Questions

    You just arrive to the office. You grab a coffee and go to your desk. Then you turn on your laptop and take a sip until it is ready to be used. You expect it to be a calm day. However, the moment you open your mailbox, an email from a business partner pops up.… Read more