Advantages and disadvantages of the refinancing of debt

Advantages and disadvantages of the refinancing of debt

Such as the personal loans, the  refinancing of debts in Seville can also agree to it in Internet, convenience that saves the path to the financial company that will run with the task of uniting the different monthly payments avoid all the usual bureaucracy.

The refinancing of debt is not more than meet all the monthly payments, which are made to several companies of credit in a single payment. Through the refinancing of debt, we managed to make a single monthly payment comprising all debts. The refinancing is clearly a way to get more money when we are indebted.

In many cases lenders can be found online that give acceptable conditions without profit in exaggeratedly solvency crisis fall some, especially in these times of global economic crisis.

If you are in a tiring economic situation can apply for the refinancing of debt, but taking into account what are the profits and the cons.

Benefits of the refinancing of debts:

The fundamental usefulness of the refinancing of debt is an opportunity to pay it only once a month and cover all the debts we have. By paying a single fee we are in a better position to deal with it that obliged to make payments at different dates different debt payments by bank account, and a dismissal in the calculation of the value of the month, or some unexpected event may can preventing respect the disbursement of such quotas.

Another excellent benefit from refinancing of debt is that we obtain through bank financing to reduce the amount of cash that is paid monthly. I.e., if joining the totality of the debt payments was us pay a fairly high amount and that almost is towards, also passed by Bank bills on different days of the month; with the refinancing of debts can everything to a single fee of much less quantity. On several occasions the refinancing of debt can reduce money to pay each month up to 60-70% lower.

Taking in consideration that we will spend less and a single fee per month, you would think that the refinancing of debt is the great solution to the problem of excessive indebtedness, but beware, also has its difficulties.

Drawbacks of the refinancing of debts:

Normally, in order to reduce the monthly fee we need to disburse, the credit institution serving the request of reunification of debts, should be a longer time loan. That is to say that we will have to pay for more time, but a lower monthly amount. This is the only way in which lenders of any kind can risk giving a credit to an individual or family that calls for hiring a debt refinancing.

It is necessary to understand that for these institutions a contract of this type is quite risky, because it may occur that a person or family add more debt you already have and tangled the issue even more. Sometimes there is no other option, but if it’s feasible, when the refinancing has been agreed debt, is should not acquire any other debt unless strictly unavoidable situations, as matters of illness or education.

Four tips to improve your corporate image during a crisis

Four tips to improve your corporate image during a crisis

It is not always easy for companies to improve your corporate image during a time of crisis. For this reason, it is very important to build a positive brand reputation and prepare in advance. Although your corporate image is one of the most important aspects of a company’s growth and is a key sales generator, often placed in the background.

In Creative Staff we have worked with clients during its times of crisis, and we have helped them to improve their corporate images. If you are facing a bad time in your company, we share with you some tips to improve your corporate image during a time of crisis. These tips can also serve as a basis to create an effective crisis-management strategy.

1 be quick

Don’t hide under a stone when you pass by a crisis. Be visible and faces any problem as soon as possible. At all times, you must be aware of the feelings that people have about your brand and prepare a strategy in advance;otherwise, you will lose important time creating your response and will not be able to save the corporate image of your company.

2 be honest

You hundirás in your most deep hole if you tergiversas facts publicly, especially during a crisis. To improve your corporate image, it is best to be transparent from the start. The media and the public tends to be harder with evasive or dishonest companies and rely more on those that are open and honest.


3 be proactive

Your responses and messages must be proactive and must point towards solutions to improve your corporate image during a crisis.

Your messages should convey your understanding on the situation and the steps that you take to resolve any errors.If your message is very passive, the crisis may worsen.

4 be organized

Although it is impossible to prepare for every problematic scenario, a good agency will always help with detailed plans to deal with any potential crisis. Be sure to appoint a person in your company, as the Chief Executive Officer or other professional qualified as a spokesman during critical times. With only a source of information, you can ensure that your company is attached and communicate a consistent message that improve the corporate image.

The marketing agency you choose as a partner before, during and after a crisis, should know to take advantage of social media campaigns and must be aware of optimization tactics (SEO) search engine. Working together, these strategies solidify and promote your corporate image, and at the same time will generate sales.

10 leading trends for the coming years


1. everyone in your household and the cloud at all

The generalization of the cloud and the great momentum that is experiencing the free software and mobility make foresee new entrepreneurial organizations that have no physical basis, in which from coordinators until workers can develop their work from their homes and from anywhere in the world through an Internet connection. This suggests much more open, flexible and horizontal structures. What we will see will be an increase of the workhome grouped into broader mode of business structures.

2. goodbye to the payroll, Hello to the business relationship

The crisis has pushed many highly skilled professionals to self-employment very focused on technical knowledge. It’s what Sergio Bernués, director of Marketing for SMEs consultants, called “mobile professional”. In line with this offshoring and liberalization of the workers, will tend more to pay for results and objectives that have fixed salaries.

Behind this concept and the “nomadism” of the Professional is the increased outsourcing of services, but now not so much focused on hire to companies but to individual workers, in a way that is expected with the increase in unemployment to develop m s commercial relations against the traditional labor. The figure of the trade (economically dependent self-employed) will undergo a major expansion.

3. the new professions 2.0

In recent times we have seen the emergence of professions linked specifically to the online world, as in the case of the community manager, but we will see more jobs related to the confluence of both technologies, as director of Marketing online. At the same time, the search and selection of personnel will be very tied to Internet and here social networks can be a driver or a brake.

This is already forcing to work and care image and personal branding online. Some time ago we hear about the danger of social networks in this sense, but now and for years to come, it will be a tool in the selection of personnel.

4. scalable and personalized price

Competitiveness and the stagnation of consumption force to sharpen the wits to attract the consumer. The solution is to establish “basic prices which will increase depending on the extras that apply. It is to start a personalized management-oriented to meet the needs of each client”, says the expert Sergio Bernués.

Something that is closely related to the polarization into two segments: the convenience, in the terminology of Philip Daus, director of Simon-Kutcher & Partners. And others should respond to them. But while in the first adaptation of the product to its purchasing power it prevail, within seconds it will be necessary to adapt the offer to your preferences. Daus goes further, suggesting that we can get to develop “systems of barcode of a product differentiated according to the type of client”.


In the traditional sales process has always reigned the AIDA (attention, interest, desire and action) method, but as this process is traditionally known has the form of normal pyramid, where the vertex corresponds to the attention and base, the largest part to the action.

In the opinion of the expert David Gonzalez, the trend will be investing the pyramid, the base will be used to capture the attention and interest, so “action corresponds to the customer: own consumer who buys and not the salesman who sold”.

6. the mark 3.0

No longer it’s brand to interact with consumers, listening to their opinions and making them part of their initiatives, now it should also respond to them of their behavior, “showing them that there is still some ethical codes”, defends Bernues.

As explains Oriol churches, “brand has to show more what it does and not what it says it does.” And that should do it making it clear through their actions that is aligned with the values that advertises. One of the clearer consequences of this trend is the disappearance of the small print and the requirement for greater transparency.

7 connectivity from any point and surface

“For within a few years it is estimated that people will access equal to mobile Internet from any portable or PC”, says the technology expert Rafael Achaerandio. This connectivity from anywhere also includes televisions.

Within this current, should include the perspectives which open with crystals and ceramic smart and with devices that project the contents of the laptop over any surface into a touch screen monitor. They allow inter connectivity between any device, 3D television, are photosensitive, and offer the option to interact with mobile or Internet from anywhere in the House.

8. rise of social media

There will be much growth based on social media, but that is not necessarily result in the use of social networks as a business platform. “Estimated that only 10% of users get to brand pages. Networks are a tool of socialization, not a space of purchase,”says Boronat.

Now, Yes will continue to have great force as communication networks and recommendations between users. One of the networks-related trends is the development of applications that allow us to know instantly if your hotel that you look at a page has been recommended by someone in your network of contacts or if the book you want to buy have read it already a follower or friend. It will extend to all business models and we can even see it in stores with smart screens.

9. no notes or coins

It is closer to payment by mobile phone. It is the trend that the Observatory of trends,Trendwatching calls cash-less. It is true that it is a power which we have discussed repeatedly in recent years and not just come to our borders, but it does seem that at last become a reality in the coming years, because “every time are more companies that are committed to developing technologies that allow you to make payments for mobile. This should join the massive introduction of smartphones that have incorporated these applications. In two or three years plastic cards will start to disappear and it will have to be a necessary renewal of the TPV in tents”, defends the entrepreneur David Boronat.

The truth is that it is a reality in Japan and that Google, Mastercard, Apple or Pay Pal have begun to work together to develop technologies that allow these payments to fund.

10. smart and committed consumer

In line with the foregoing, and as recognized Philip Daus, “with the increase in technology in our lives, will reach a point where the consumer will know more than their own commercial, will be a smart consumer who can be found on the Internet, and almost instantly, everything related to the product you are looking for”.

This should join the consumer indignant and committed. Social networks, and especially Twitter took indignant movement to every corner, extending the commitment and ethical demands to brands and business conduct. It’s a consumer engaged with the environment, politics, ethics and move to your Tweets and your walls. In that sense, brands have them be taken into account.