Avez-Vous Un Artemis55 http://artemis55.com Consolidation Cash Today? Tue, 19 Mar 2019 18:31:40 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 Municipal Taxes What taxes do you pay to your town hall? http://artemis55.com/municipal-taxes-what-taxes-do-you-pay-to-your-town-hall/ Fri, 10 Aug 2018 11:14:05 +0000 http://artemis55.com/?p=13 Read More »]]> Real Estate Tax (IBI)

The IBI is perhaps the tax of the city councils. and one of the most important taxes for the municipal coffers. In fact, there are consistories whose collection depends 80% of the IBI.

Impuestos de los Ayuntamientos

The IBI is a direct tax that taxes the fact of having a house or property. There is a national rate but then each municipality is free to apply the one it considers appropriate within the general limits. This tax also applies to garages and rustic properties.

The IBI is the responsibility of the owner of the house at the time of accrual of the tax on January 1, generally, whether the apartment is rented or if it is the usual residence.

The IBI is paid according to the cadastral value of the home, to which are applied some coefficients that each municipality is responsible for marking and on which you can establish exemptions and bonuses for, for example, a certain type of housing.

Each city council establishes its own types and also payment formulas that usually include direct debit. In addition, the dates to pay the IBI differ in each consistory. Check here for yours.

Tax on motor vehicles

Tax on motor vehicles

The name itself can lead to confusion, but at the moment of truth the Tax on Vehicles of Mechanical Traction (IVTM) is not more than the tax you pay for having a car and being able to drive with it. Hence, it is better known as a circulation tax .

This tax is annual and is mandatory for all cars, motorcycles and other motorcycle vehicles. Without the regular tax, you will not be able to use it and, in fact, you will have to pay it even if you do not plan to take the car. And is that for practical purposes the tax is levied on the ability to circulate, not the fact that the car is actually used or not.

The amount of the Circulation Tax depends on each City Council and there are great differences between them. The amount is calculated based on the type of vehicle and the degree of contamination, which is known as fiscal potential.

Discover here how much, how and where the Traffic Tax is paid

Tax on the increase in the value of Urban Land

This tribute is not so well known, especially because of its official Tax name on the increase in the value of urban nature land . The most usual is to refer to it as municipal surplus value .

This is another direct tax that taxes the increase in value experienced by the land that the taxpayer owns, something like what the price of the land has gone up. Fortunately, it is not a tribute that must be paid annually. Moreover, you will only have to liquidate it at the time of selling a flat or land and it is the seller who must make people to it. It will also apply in the case of donations.

Tax on buildings, installations and works

Something less known, the Tax on Constructions, Installations and Works taxes the realization of any type of work that requires the prior obtaining of an urban license, whether this has been obtained or not.

Municipal Tax on Luxury Expenses

Municipal Tax on Luxury Expenses

It is an indirect municipal tax less known and voluntary, so that each municipality can decide whether or not to charge it. It is paid for the use of private hunting and fishing preserves regardless of the form of exploitation or enjoyment of them.

The tax base in this case is the hunting or fish farming. Each session is responsible for setting the value of this use through modules and the maximum rate to pay is 20%.

The municipal taxes

To the municipal taxes we must add the fees, which although they may seem the same, they are not. The translation for the citizen is the same, since you will have to pay in any case, but there are differences that should be known.

The rates differ from the taxes in which they are paid for some type of service and can not be onerous. In other words, the City Council can not profit from a fee , it has to limit itself to cover the service it offers.

The best known rate is the Urban Waste Rate or garbage rate that many municipalities still maintain. It is paid according to the type of housing and its size and serves to pay for the garbage collection service. The more expensive the service (usually subcontracted) the higher the rate to be paid.

The regional taxes

The regional taxes

One step above the regional taxes are the autonomous taxes that the autonomous communities manage. As a body superior to the municipality, communities can also include different bonuses in the autonomic part of the income statement.

The most important autonomous tax or the most important is the Inheritance and Donations Tax , which each region adapts to their needs by changing the types and, above all, establishing bonuses for certain cases. Here you can find more information about it.

Tips to take your budget http://artemis55.com/tips-to-take-your-budget/ Fri, 16 Feb 2018 08:12:44 +0000 http://artemis55.com/?p=29 Read More »]]>

Tips to take your budget

Every time people talk about finances, there are many people who have several options to have money at hand, one of them is cash advances and payroll payments, but also when the accounts get very large and It is necessary to be able to control the payments and expenses, a budget is required to be able to manage in the best way the best personal loan in the market.

Thanks to this type of tool can be organized in a better way the expenses that people have each month, it can even be adapted to emergency situations because this can have money saved, so today we will know some of the details that are part of the budget.

The conservation of vouchers

The conservation of vouchers

Each time you acquire one of the mini credits instantly, there are several purchases that you start to make, as well as any you receive your salary, so to have an excellent budget it is best to keep all the proof of purchases you make , since all the people who have a very well organized budget have the habit of being able to keep all the receipts, in addition, you can start with a note of notes where you keep the record of everything you spend, since it will be a very good start.

There are many people who use credit or debit cards very often, but they worry about asking for the receipt of the purchase they have made, so for this there are now online access to bank accounts, so you can also use them as vouchers, since it will depend on having a better control of the expenses that are made or remaining negative in the accounts. That way you can also allocate a little of the income you have for saving or to cover the fee for the best personal loan in the market.

The control of purchases

The control of purchases

Every time people tend to write everything they buy by hand, it is much more frequent to remember what they buy, so one of the best tips to have an excellent budget is to have a notebook, this for that you can have a control of the expenses and habits that you have, this to be able to know what are the bad habits that you have, this to be able to eliminate them little by little until you finally have them controlled.

The reduction of excesses

The reduction of excesses

Like all the people after having saved the receipts, vouchers and also to write down all the expenses that you have, you can already have correctly identified the excesses that you have, that way you will be able to go week by week reducing the excesses, in this way the Money can yield much more, you can also see that you spend a lot of money on things that are really unnecessary to a certain extent, so this is one of the best ways to improve personal finances.

When you start to cut all the expenses that are considered excessive, you can start to place them in the savings section and those extra expenses that you have over, they will go to a fund that can be used in any type of emergency, you can continue eliminating each one of expenses until you consider yourself satisfied enough.

Do not touch your savings

Do not touch your savings

Those in charge of having the best personal loan in the market recommend that users do not touch the money they have saved unless it is a true health emergency for someone in the family, otherwise the savings bank will be diminished. a place to increase when you touch it for superfluous expenses.
As if that were not enough, one of the best ways is to get a box in which you can save the money, but leave it out of your mind and view, because if you do not see it you will not spend it at any time and it will really help you always have that money

Debt Management Program vs. A consumer proposal http://artemis55.com/debt-management-program-vs-a-consumer-proposal/ Mon, 31 Jul 2017 08:44:40 +0000 http://artemis55.com/?p=20 Read More »]]>

In Canada, a debt management program (also known as a debt consolidation) and a consumer proposal are two similar ways of agreeing with its creditors to change the terms of repayment of debt or even reduce debt repayment terms. this.

These two solutions may seem similar, making them difficult to differentiate for those seeking the best solution to their debt problems. But it is important to know that a debt management program (or debt consolidation) is not a synonym for the consumer proposal; these are two different options that are suitable for different debt situations.

The following chart should help you understand the obvious and subtle differences between the two solutions while allowing you to compare their advantages and disadvantages.

Debt Management Program Consumer proposal
Judicial obligations DMP does not flow from legal obligations. Thus, your creditors are not obliged to cooperate. DMP is introduced following a voluntary agreement A Consumer Proposal is a process of judicial obligations. More than half of your creditors must accept your proposal for approval
Interest Your interest can be reduced or even frozen, depending on what your creditors accept All your debts covered by your proposal are frozen, and interest stops accumulating
Recovery Creditors who do not accept your agreement may continue to harass you for reimbursement There is a “stay of decision” of registered to your accounts; it means that your creditors must stop any action against you
Goods Generally, you keep your belongings Generally, you keep your belongings
Amount reimbursed Generally, you must repay your debt in full You may have to repay only one part of your total debts
Payment schedule In general, most DMPs require monthly payments. It depends on your program A simple monthly payment based on your financial situation is the most common, but it can vary
Fresh Depend on your program Fees are introduced by the government and are usually included in your monthly payment
Creditors’ cooperation Since the DGD is not under judicial obligation and your creditors are not obliged to participate, there is no way to deal with creditors who do not want to cooperate If more than 50% (monetarily) of your creditors accept your proposal, the others must also cooperate
Repayment period Must be paid back in 4 or 5 years Must be paid back in 5 years
Financial follow Optional financial follow-up You must participate in a financial follow-up program
Credit rating A DMP appears in your credit report for a period of 3 years after the repayment of your debts. You will have the rating of R7 A Consumer Proposal appears in your credit report for a period of 3 years after it is completed. You will have a rating of R7

Effective debt relief

No matter which option you choose, it depends on you to complete the process effectively. Payday loan consolidation via www.PaydayLoanConsolidation.Net Best Site 🎡🎡🎡 can be of great benefit, allowing you to start from scratch and have a sense of success with your debts. Always make sure:

  • Make all your payments on time and in full
  • Attend your meetings with your trustee or advisor and be ready to work hard
  • Adhere to all requirements associated with your program or proposal