Resolve your debt problems with payday loan consolidation

Rewards credit cards are everywhere. All major vendors have at least one type of credit card rewards to offer to their customers and the majority of them have multiple cards. It is very likely that as a credit user, you have a rewards card, and with good reason. Rewards cards are a great option for most consumers, whether you use this card to purchase gas or groceries or to pay monthly bills. You can collect money for all the expenses you make.

What is the trap?

At first glance, rewards credit cards seem foolproof. All you need to do is charge the purchases you would normally make to a credit card that gives you some form of reward. Generally, it is money, points that can be redeemed for certain products, Air Miles or Aeroplan points. However, when you apply for too many cards and you buy things that you can not pay with money, you will be faced with serious debt problems. are there any good debt consolidation companies?

Opening too many credit card accounts

Credit card companies like to offer you perfect scenarios with their reward cards. Travel more, be rewarded for your expenses, and have access to new offers and new products. All of this is great and if you travel a lot, a credit card that rewards you in AirMiles or Aeroplan points is definitely a great option. However, if you do not travel, you would open a useless credit card account. In addition, opening too many credit card accounts in a short period of time can have a negative effect on your credit rating. Every time you apply for a credit card, the provider conducts a credit check. This type of credit check has consequences on your credit rating. This means that your credit rating will drop by a few points and the survey will show up on your credit report for up to two years. Thus, if you apply for multiple reward credit cards over a short period of time, your credit rating will decrease with each credit survey performed.

It is important to note that this may not be a big problem for many consumers, but for those looking to have a mortgage or a high loan, several consecutive credit surveys can hinder your ability to approve.

Spend the money you do not have, to collect more points

Rewards credit cards can provide you with the perfect excuse to spend money that you do not have for the simple purpose of collecting extra points. The temptation to simply spend to accumulate travel points that you could not afford or to purchase a set of pans you do not need can be very strong. The best course of action you can implement when it comes to using credit card rewards and not changing your spending habits. Make normal use of it, whether it’s groceries, gas, or utility bills. Do not start shopping more often to collect more points.

High-interest rates and annual fees

Due to the nature of these credit cards, they are not free or cheap. This is probably one of the misconceptions people have about rewards cards. The credit card companies want us to believe that we are really going to get something for free, by simply buying with our credit card instead of paying directly with money. The problem is that reward cards often have higher interest rates and almost always come with annual fees. This means that if you fall into the trap of a purchase that you can not repay in full on your credit card, not only will you pay for the item but you will also pay a high interest rate and annual fees. Thus, if you do not clear your balance each payment period, the items you buy will become very expensive.

Forgetting to use all the points you have collected

One of the most unfortunate things that can happen with a rewards credit card is to forget to redeem the points that you have so badly collected. If you have decided to make more purchases with your credit card to get more points, you should have a plan for these points. Rewards credit cards are excellent, but they must be used responsibly to really enjoy the rewards. Consider your options, your lifestyle, and your spending habits before asking for more credit cards simply to collect more points.

Spanish biotechnology captured more than 150 million euros in 2017, 17% more than in 2016

Spanish biotechnology captured more than 150 million euros in 2017, which is 17% more than the previous year, according to the ‘ASEBIO Annual Report 2017’ presented by the Spanish Association of Biocompanies (ASEBIO) on Monday 9 July. The event was attended by the Secretary of State for Universities, Research, Development and Innovation, Ángeles Heras.

Thus, the financial operations in the biotechnology sector in Spain that have been registered during 2017, have accounted for a total of 149 million euros -without taking into account the value of the acquisitions of Biofabri and of the purchase operation of Biópolis, that has not been made public. This figure represents a growth of 17% compared to what was recorded in 2016.

The association assures that there are 27 private capital increases, valued at 93.7 million euros -such as the most important MedLumics 34.4 million; and Anaconda Biomed 15 million-; six capital increases for issuing shares for 41 million euros -Oryzon, Atrys Health, Sygnis, Reig Jofré and Inkemia-; 31 complementary financing operations or participative loans for 10.8 million euros and various operations in the field of crowdfunding- find more info Mtocosplay.

The venture capital activity has been especially significant, according to ASEBIO

with 30 million euros disbursed and 46 million euros committed mainly by companies such as Ysios Capital Partners, Caixa Capital Risc, CRB, Inveready, Clave Mayor or IUCT Emprén among others.

The report highlights the impact on the economy of companies with a total dedication to biotechnology in 2017, which have contributed directly, indirectly and induced GDP to 7,300 million euros, which represents around 0.7% of GDP with the generation of more than 108,000 jobs, of which more than 2,000 are direct jobs. This activity contributes 2,600 million of revenue to the public coffers, according to data extracted by CEPREDE. Thus, the total contribution of the biotechnology sector to the economy, both directly and indirectly, rises to 7.8% of GDP.

The total number of companies in the biotechnology sector has declined in more than 200 companies, from 2,981 to 2,767 in 2016. By activity areas, in biotech, 66.8% are dedicated to human health and 23.5% to food. The investment in R & D of the total sector was 617 million euros, 6.6% more, clarifies the association.

By Autonomous Community, those with the highest percentage of biotechnology companies are Catalonia, with 19.3%, Andalusia with 13.5% and Galicia with 8.6%. Regarding the companies with the main dedication to biotechnology, 23.3% are from Catalonia, 18.7% from Madrid and 16% from Andalusia.


Likewise, ASEBIO proposes measures to improve the financing system of R & D, such as increasing the public budget allocated to R & D both in volume and quality and increase grants and non-reimbursable tranches as opposed to loans, as reported by the Asociation.

Similarly, the document collects the sector data for 2017 and macroeconomic data from the statistical study of the National Institute of Statistics (INE) on Technological Innovation in Companies of the Biotechnology use module.

This year, internationalization is once again the priority for the companies surveyed by ASEBIO, the entity says, with the merger or acquisition of another company as the least important action for companies. For 87% of the entities, the need to internationalize is essential. The preferred markets are the European Union and North America.

The Association considers that the recovery of the biotechnology sector presented chiaroscuro in 2017, as a result of the weaknesses suffered by the Spanish R & D ecosystem as a result of the “deficient” framework of aid and incentives by the public administration. “We do not want privileges, but we do want to be able to say, as stated in the conclusions of this report, that the Administration must pay attention to certain requests,” explained the president of ASEBIO, Jordi Martí, during the presentation of the ASEBIO report.

The entity suggests a series of proposals to help resolve the limitations they face such as increasing the public budget allocated to R & D; accentuate the subsidies; increase the execution of public budgets allocated to R & D; articulate retroactive structural measures that solve the problems caused by the policy of aid based on loans; give continuity to debt deferral mechanisms; simplify and reduce the cost and time required to certify the investment in R & D; increase the use that companies are giving to the cashback mechanism; enable secondary markets to transact the deductions and negative tax bases or continue betting on non-bank financing of technology-based companies.

At work, young people prefer to be fulfilled than to be well paid

Seven out of ten young people say they prefer to work in a company that “has a positive impact on the world”.

If they won 5 million euros, three-quarters of young people would still work, according to a surveyor barometer, previewed by Le Figaro Student.

Before being a source of income, the ideal job must above all allow one to develop and build oneself on a personal level. This is one of the lessons from the latest AssessFirst * barometer, a predictive recruitment platform, previewed by Le Figaro Étudiant. Work is first perceived as a “way to be realized” for 50% of 18-25-year-olds and 63% of 26-35-year-olds, which is more the general average (59%). The financial aspect is however not negligible: 41% of people under 25 perceive work only as a means to comfortably earn a living.

Large companies are preferred by young people, whether they are students (43%) or recent graduates (44%). They are less likely to work in an SME than the general population, while they are more enthusiastic than their elders to join a start-up. Young people are divided about the work environment. So many young people prefer “an exciting job with a mediocre atmosphere” to an “an uninteresting job with great colleagues”. Corporate ethics is also important, with seven out of ten young people choosing an employer that “has a positive impact on the world”.

Wellbeing before remuneration

Young people are also divided on self-entrepreneurship. Early in their careers, they prefer to gain experience and knowledge in business before supervising a team and running a company, the barometer says. Thus, being your own boss “is not a priority” for 56% of young people, while 40% dream of it. Differences exist depending on the level of experience. Thus, recent graduates are those who dream more of being auto entrepreneurs (44%, against 34% in general).

The barometer highlights young people’s attachment to their job. If they earned 5 million euros, only 18% of those under 25 would stop working. Finally, two-thirds of young people (69%) prefer to stay in a company where they feel good rather than go elsewhere to earn more. “Contrary to what we could have imagined, salary is not the most popular criterion for choosing or keeping one’s job,” says David Bernard, AssessFirst’s president and psychologist. Happiness at work, on the other hand, is the criterion that contributes to the definition of ‘dream job’. A job where you can achieve, learn and share. “

Debt Stress Test – 12.5 Indicators That Debt Is Ruining Your Lifetime!

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The second is how the vast most of payday loan services want about being repaid out of the borrower’s next payroll check. So, when people borrow cash from a regular cash advance company, they’ll have to settle it within 14 weeks time.

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I haven’t gotten an individual bill – yet. I am aware that probably within a few days or the other couple of weeks, they’ll start pouring in in high amounts and Additionally know we have to for. Payday is coming – not quickly enough – but even cannot be enough to handle all the invoices that I’m expecting, thanks to the holiday spending sprees.

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The Advantages Of Unsecured Credit Cards

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