cluster2007

The tax is still applied to financial movements (GMF), or the well-known 4X1000 in Colombia. Tax charged to financial transactions made as withdrawals. It is made to savings accounts, checking accounts, withdrawal in management check and deposits of the Daisy Bank.

It is a tax of the National Government created to cover the crisis and for having in the country. The collection is done by all banks, but then sent to the government coffers. Its history begins towards the year 1998, in order to raise money temporarily to stabilize the economic system crisis. But when problem after problem arose in the economy of the country, the tax was settled as permanent.

The attempt to dismantle it has been in vain, the financial crises have achieved their decree to follow. With the law 1819 in 2016, it was implemented as permanent. Due to their excessive collection for all financial movements, people began to take out all the money from bank accounts. The affectation caused the lack of money circularization. Therefore, the government proceeded to make some exceptions to the movements .

 

Tax exemptions to financial movements

• Each holder has the right to exceptionally mark a savings account. To avoid charging 4X1000, you should not exceed the amount of $ 11,994,500 for the year 2019.
• Also exempt from 4X1000, all transactions in the form of transfer between accounts of the same holder. Whether savings, checking, collective accounts that are in the same bank.
• All movements made to a single holder from stock brokerage companies, fiduciaries or investment managers. Of course they are monitored by the Superfinancial.
• Pensioners are exempt from the account opened to receive the pension from the entity that, as a pension fund, records their allowance.

 

An incentive to the assessment of financial movements

Finally, companies have the right to have five exempt accounts, as the government gives them the opportunity to encourage investment. So they can access credits and maintain good relations with financial institutions.

With the tax reforms currently made it has not been possible to dismantle this tax. Most likely it will be for a long time.

You are one click away from buying what you want! And, of course, that in principle sounds like an excellent idea until that moment when, in the middle of the month, you don’t have a euro. Of course, you have new games for the console, two great jeans and even a musical instrument that you will probably never learn to play …

Does that happen to you Keep reading! You are one of the more than 11 million Spaniards who have been seduced by online shopping, perhaps part of that 50% of e-buyers who buy from their mobile phone in Spain , according to the ABC , and from Good Finance we want to help you passing through AllShop and other similar sites is an adventure road that never becomes a valley of debt. ?

Purchase discounted items

You want to buy on AllShop, but you don’t always have to buy < > per se: its AllShop Warehouse Dealer offers section can give you a lot of joys by allowing you to purchase discounted items by up to 50% thanks to a broken wrap or inventory renewal , so stop thinking about buying with one click and think in doing so with six or seven, it can save you some euros … come on, you can, hunter-barking!

Threaten them … in a good way

What would you do if someone offers you to buy something you sell and then leaves without taking it because the money is not enough? Exact! AllShop is almost as smart as you, so if you add your desired items to the shopping cart and then do not buy them, it is possible that from the platform, days later, you get an offer that could be reduced by up to 20% what You are trying to buy . A case of skill and patience whose success is totally unpredictable, but it’s worth a try!

The comparisons are not good, but …

When it comes to money, you have to put aside manners a little: Compare, compare and compare, that AllShop is not necessarily the cheapest place to buy. Just like when you go to physical stores and check prices, looking for the same product in different places can help you know if you are making the right choice. There are endless Websites like specialized in looking for AllShop products in other retailers and snatching in smiles what you are not getting snatched in money.

Low …

Sadness? Sadness is buying you something at a price and seeing it much cheaper just a few days later! It has happened to all of us, that’s why they have already invented ways to reduce this risk, such as the HunchHunch Website, which evaluates the evolution in the prices of the same object in AllShop to help you know if it tends to stay, lower or increase its cost. In some cases you can witness a real downturn at a price that allows you to even access some extra whim, try it!

Subscribe and save

Tell AllShop what you would like to buy in the next month and the platform will be in charge of reminding you thanks to its little known “Subscribe and Save” section, thanks to which you will receive a monthly email reminding you of the items you wanted and offering you benefits such as free shipping or discounts of up to 15% on the original cost .

Oulets, oulets, oulets!

Say you don’t love oulets and you’ll break our hearts … Every good saver loves to buy previous seasons, broken boxes or imperceptible factory faults that make prices plummet! The great news is that AllShop has its own Oulet so that mortals can do their best without plucking: we are talking very seriously, up to 70% off !

University studies allow you to develop the skills you need to face the labor field you have chosen. During this stage there are expenses that you must control, otherwise the situation would threaten the achievement of your academic goal. To help you with this task, we present this article, which contains some important savings tips for university students.

Some savings tips for college students

To keep your personal budget in blue numbers, during your university studies, keep in mind the following tips.

Use the libraries of your university

Even in the digital age in which we find ourselves, physical books are still of great support in studies. Acquiring all the bibliography you need during the study of your career means a high investment. To avoid such expenses, you can go to the libraries of your faculty or any other where you find the books you need.

Buy second-hand books

There are always some bibliographies, which because of their importance, we must have on hand all the time. For example, it is the case of codes, laws and regulations, which you will use even in job performance. In this case, the best option is for second-hand purchases, always making sure they are still valid editions.

Download the electronic version of your bibliography

It is possible that part of the reference material you need for your studies is published on the web. If it is a free version, it is only a matter of downloading it.

Use the camera of your cell phone

Say goodbye to expenses in photocopies of texts and study guides, use your cell phone camera to capture the information you need.

Minimize transportation expenses

Transportation is a fixed expense, which if you do not control, will take much of your monthly budget. In the city where you study, surely you have several transport alternatives, which you must evaluate to determine which of them are the most economical for you.

Take care of your food expenses

By properly selecting among the available options, you can feed yourself better at a lower cost. Take the food prepared in your residence, or eat in the establishments of your faculty, since the last are subsidized. And above all, avoid fast food or junk, since apart from expensive, it does not do well to your health.

And if you can’t save enough to continue your studies?

If after applying these and other college savings tips the accounts do not add up, do not despair. The time has just come for you to evaluate the application for a loan to help you finance your studies.

Fortunately, there are several financial institutions that offer this type of personal credit. You just have to study the options, and choose the one that is most convenient for you.

Inspired by our popular FaceLife game Lucky Fridays, in which we award one winner each week with $ 50 based on his answer to how he spends the prize, we asked the question why spending money on others makes us so much happy.

Win the jackpot

There are not particularly surprising examples of those who have spent what they have earned on new cars and dream homes, but there are also many shared experiences for the benefit of the public.

For example, the one for the winner, who gave a vacation to Florida to a 13-member family, or for a construction worker who decided to keep working and donate money to a food bank, and to the winner, who opened a fund for the benefit of his family .

We at Good Finance have also witnessed many generous and publicly useful examples since we organized the Lucky Fridays game.

Money for others

Many studies show that spending money on others makes us happier than spending it for ourselves. Sean Cole, an associate professor at Finance School, confirmed this theory in his lecture at the TED Talks seminar.

As one posting on the Positive Psychology Program website states, spending money on others makes us feel good because our brains have a built-in reward system called oxytocin, which is responsible for our relationships with others. When we spend money to make our friends and family happy, our brains reward us, which in turn makes us feel good.

Survival costs

Spending money on experiences with our family and friends provides us with lasting happiness compared to the brief moments of joy we experience when buying tangible goods.

In our previous article Life is for you to try – 25 experiences to try today, we told how our lives are enriched when we create pleasant experiences and how it reminds us that we are alive.

It is easy to get a grip on your routine, but if you do not make a conscious effort it is possible to go through life, living each day as one and the same. On the contrary, whenever you try to do something different, the likelihood of creating lasting memories increases. It’s not even something vital, it’s that every thing you do outside of your everyday life becomes an experience.

A gift that is not exhausted

Want to increase your experience even more? Share them with a friend or your loved one. An ordinary dinner with friends and family creates a memory that can be reborn again and again.

Whether it is a memory of a vacation, of your childhood, or of a magical evening spent with a friend, this experience has left a mark and meaning sufficient to be remembered.

Do you need more incentive to spend time with your family or friends? A study of more than 300,000 participants of all ages shows that frequent social networking, such as going to the movies, having dinner or drinking with friends, prolongs life and reduces stress.

The best investment you can make is spending time with your family and friends – this is a gift that never runs out.

And if you are not among the lottery winners and need additional resources to create your unforgettable memories, count on us. Good Finance is a fast-paced online loan company dedicated to helping people make their dreams come true. Enter ferrratum.bg and choose the amount you want, fill out the quick online application form and expect a response within 10 minutes! It’s easy to be happy!

Look, if your child’s life depended on a vaccine that costs $ 10,000 pesos and you cannot borrow from your neighbor or family member.

This saving has to do with priority

If you only had 30 days to raise the $ 10,000 pesos, do you think you could do it? Of course they could. Moreover, there would be no one to stop him to raise that $ 10,000. Why? Because saving became a super priority. Saving has nothing to do with your income and everything to do with the importance of doing so. Saving is one of the biggest solutions for financial problems. If you had saved up for that craving that drowned you in payments, you could be enjoying the little thing instead of living in crisis.

I want to talk about 3 reasons why we have to save.

First we have to save for emergencies because life kicks and needs a financial cushion to protect itself. You very well know that if something can go wrong, it will most likely happen. But if you have money saved, emergencies become inconveniences.

Number 2 needs to save for cash purchases.

When you buy with cash it hurts and you do not spend too much because when you deliver that ticket it is as if your arm was amputated, little by little?

Finally we need to save for retirement. But Andres, I’m going to depend on the government and my children in my old age. Really? Are we talking about your children who still have them in the house? Please!

The savings have to be part of your financial plan.

You have to plan because if you are not going to end up looking for the book on how to prepare dog food and that you like it.