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Improve Your Credit Score with a Credit Repair Company

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Securing a loan for your home or business investment can turn out to be quite overwhelming for individuals and businesses out there. People with poor credit scores often struggle with their loan applications, as it gets a bit challenging to have your loan application approved at a low interest. In fact, a credit score happens to be the first thing a bank or a financial institution is likely to notice when reviewing your loan application.

Sometimes, simple things such as late payments and irregular bill payments can lower your credit score significantly. Even if you manage to find a private lender who’s willing to approve your loan application, there is a good chance they will charge you a high interest for the loan.

Why Do I Need to Hire a Credit Repair Company?

It isn’t always your utility bills or debt payments that lower your credit rankings, but sometimes, you might end up with a bad credit score because of a small error on your credit report. Regardless of the complexity of the issue you are facing, you can’t deal with the problem on your own. It is important that you seek help from a credit repair company to look into the matter and fix the issue quickly. As the name suggests, the credit repair company is in charge of fixing the errors in your credit report and removing the items that might be lowering your credit score. This includes charge-offs, late payments, liens, debt collections, and so on.

With a large number of credit repairing companies claiming to offer high-quality and cost-effective services, the decision of choosing the most reliable company could be a little overwhelming. Each company offers a set of unique services that are designed to improve your credit score in different ways. You might have to apply for a loan to finance emergency health requirements, your dream home, a startup, business capital, child’s education, and other requirements. Here are a few other reasons why you must hire a credit repair company:

·      Fix Inaccuracies on Your Credit Reports

Research shows that more than half the population of the United States report inaccuracies and unnecessary errors in their credit reports every year. These errors occur due to the miscalculation is wrong information. As mentioned earlier, it isn’t always your debts and late payments that affect your credit rankings.

Sometimes, small errors in the report could have a profound impact on your credit score. It is, therefore, important for businesses and individuals to get their credit reports reviewed once in a while. Only a credit repair company has the expertise and skills it requires for reviewing the credit reports thoroughly and fixing the errors. The sooner you get these errors fixed, the faster you will be able to apply for a home loan.

·      Job Opportunities

Many reputable companies ask applicants to attach a copy of their credit reports with the job application so that they know their staff is trustworthy. A good credit score increases your chances of getting hired by a reputable company.

·      Insurance Policies

You can’t secure the best and low-priced insurance policy with a bad credit score. It’s important to work on your credit score to get the best deals on insurance policies. That’s because a majority of insurance providers offer insurance plans based on your credit reports. A reliable credit repair company will help fix your credit score, saving you a significant amount of money on an insurance policy.

Best Credit Repair Companies

There is no denying that good credit repair companies can help improve your credit reports by erasing the negative items and fixing the inaccuracies. Here are a few popular credit repair companies you can count on for premium services.

·      Credit Saint: With more than 10 years of experience in this industry, Credit Saint tops our list of the best credit repair company. The Better Business Bureau has rated it A+ for the variety of services it offers. The company has undoubtedly improved the credit rating of a large number of customers successfully over the past few years. It reviews your FICO credit score, evaluates the negative items, and fixes the damaged credit score.

·      Sky Blue Credit: If the price and quality of the services are your main concerns, Sky Blue Credit is your best bet. The company has kept a fixed price, which is $79 a month, for an extensive range of credit repair services.

·      The Credit Pros: With over 200,000 customers based across different parts of the world, The Credit Pros is a 12-year old company that has received an A+ rating from the Better Business Bureau. You can enroll in its monthly plan that costs a flat fee of $49 or choose the prosperity package – whatever fits your preference and budget.

All Car Brands That Have Changed Their Logo

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A logo is one of the most important elements of a company. It is the first thing a potential client sees and must convey the characteristics of the company at a glance. It is the first impression, which must be shielded later by the brand identity and its slogan.

The product arrives later . If a logo does not enter through the eyes, it is difficult for an interested party to inquire more about the brand and, probably, will look for other options.

The design of a logo is an artistic and creative process that defines the philosophy of a brand and its integration into today’s society. That is why the vast majority of brands in the world have evolved their emblems throughout history, adapting to new generations and new distribution channels for their message.

With the digitization and the entry of the digital channel into advertising, the opposite was not going to happen and hundreds of brands from all sectors, including a good handful of automotive firms, have worked to adapt their logo to current needs.

The current trend is to simplify as much as possible . Say a lot with very little and everything in a format that adapts to the screens. Logos without a background or with a transparent background that are easily identifiable. In the automotive sector, in addition to digitization, the electrification of mobility is playing a key role in this image renewal process that many brands have carried out.

Automobile companies are ceasing to be car brands to being mobility services companies , with a brand committed to electric cars, and this transition begins with the change in corporate identity.

Many brands have changed their logo in the last two years. Starting with Volkswagen , which revolutionized its brand identity at the 2019 Frankfurt Motor Show , others, such as BMW , Kia , Nissan , Renault or Peugeot , among others, have followed. Others, such as Citroën , have not changed their logo, but they have redefined their communication strategy by betting on electrification .

Simplification, the general rule
All, except Peugeot , have opted to simplify their banner, making it more friendly to the digital ecosystem that prevails in today’s society. Taking the example of Volkswagen , the Wolfsburg firm opted for a smooth two-dimensional design , simplifying the elements that compose it to the essentials.

It also incorporated a new color scheme made up of different shades of blue and white, so that whatever background it is played on, it will be recognizable. This logo change came with the first acoustic logofrom the history of the brand, some notes that culminate in a female voice saying “Volkswagen”.

The brand admitted its willingness to adapt to electrification and to adapt to digitization, in addition to seeking an approach to a younger customer, more aware of the environment. The premiere of his new image coincided with that of the ID. 3 , the first electric of the ID family.

The next company to adopt a new approach to electrification was Citroën , which did not opt ​​for an update of its logo, already perfectly adapted to digital channels, but for a new signature for its electric models.

Following its well-known slogan, Inspired by You, the chevron firm opted for a new claim : Inspirëd by You All. Its will is clear, to introduce a differential element of its electric vehicles, the ‘ë’ with umlaut, and to position itself as a brand that will democratize electromobility by alluding to all (‘all’) who read the slogan.

BMW followed in Volkswagen’s footsteps with a new logo, although its move was less radical as it essentially maintains its design and also the logo on its vehicles will not change. The Bavarian firm wanted to redefine its image only in the digital medium and in corporate communication.

Hence, the background was removed to adapt to the digital channel and, incidentally, highlight the central area of ​​the logo, that is, the Bavarian flag. BMW also redesigned the BMW i and BMW M logos , that is, the image of its electric range and its sports range. Again, it was decided to eliminate the three-dimensionality, making the shape of the logo draw the ‘M’ and the ‘i’.

BMW AG
After the two German brands and Citroën, in the summer of 2020 three more companies followed in their footsteps: Opel , Nissan and Toyota . The one that varied its proposal the most was Nissan , with a totally renewed design that, again, had its reason for being in simplification.

Easily reproducible in digital and print media, Nissan justified the new logo in the search for “a refined, digital and familiar appearance.” “It demonstrates Nissan’s evolution from a traditional vehicle manufacturer to a mobility and service provider.” Less edges, less distractions. Only the word ‘Nissan’ shielded with two circular lines.

NISSAN
Opel and Toyota maintained their design although with minor modifications. The German refined the ring that forms the logo, giving more presence to the lightning, a clear nod to electrification. He kept the inscription ‘ Opel ‘ in the lower area of ​​the ring, although it is almost imperceptible despite the fact that the brand defends that “this shows German precision.”

In addition, he changed his corporate color to a yellow that, in his words, “defines electricity, the new gasoline in the automotive sector.”

OPEL
Toyota , for its part, revised its logo and typography for European markets. “The new logo condenses the emblem into a simple two-dimensional design, without the word Toyota, as the emblem itself is already highly recognizable throughout Europe .”

The efforts of the Japanese were to achieve “total integration in mobile devices, a more premium sensation and great coherence between all business units and sub-brands.”

TOYOTA
Finally, this year 2021 the new emblems of Kia , General Motors , Peugeot and Renault have arrived . The first to change was Kia, with a profound redesign of its brand image.

The South Korean company emphasized its desire to take a leadership position in the mobility industry with a new logo, consisting of the word ‘Kia’ in a modern, two-dimensional design, and a new slogan, ‘ Movement that inspires ‘. The first car to display the new emblem was the EV6 , a recently introduced electric.

KIA
A Kia was followed by Peugeot , a curious and interesting case. The French firm wanted to adapt to the digital channel, but wanted to emphasize its heritage and its centuries-old history, renouncing the minimalism prevailing in the rest of the industry with a more complex logo than the previous one, but also adapted to the new advertising media.

In the shape of a shield, a lion with very defined features stands out in the center, in addition to the word ‘Peugeot’ in the upper area.

PEUGEOT
Across the pond, General Motors created a new shield to accelerate the acceptance of electrification among its customers. The color blue reinforces this direction of the group and looks to the future despite remembering its past with typography, classic but with a modern approach. Everything, in a simpler set, also easier to reproduce in digital media.

GENERAL MOTORS
Finally, Renault was the last to present a new logo. The French brand did so to complete the presentation of ‘Renaulution’ its new product strategy that will seek, under the leadership of Luca de Meo, to increase the added value of each unit and to reposition the group’s brands in the global market.

For the signature of the rhombus, the new emblem is a mix between modernity and tradition, recovering the 1972 logo , made up of several lines, and simplifying it to create a clean, minimalist and simple image. His debut was on the hood of the R5 prototype , an electric that resurrects the design of the classic Renault 5 and will arrive in the middle of the decade.

Telcoin to Open New Remittance Corridors on Three Continents

Singapore-based cryptocurrency company Telcoin will open three new remittance corridors imminently, expanding the fintech startup’s reach across three continents.

In February, the provider of blockchain-backed financial services intruded fiat transfers between Canada and the Philippines, marking the opening of Telcoin’s first remittance corridor.

Remittances to the Philippines are facilitated through Telcoin’s iOS and Android mobile applications in partnership with mobile money company Gcash.

With the launch corridor now functional, Telcoin will broaden the scope of its service by opening remittance corridors to United States, Australia, and Singapore.

“According to the GSMA’s latest state of the industry report,” Telcoin cites in a company media release, “there are more than 1 billion active mobile money accounts in 95 countries, capturing US$7.3 billion in annual remittance value. With a total market value of nearly US$700 billion, there is massive room for growth in mobile money-focused remittance services.”

In an effort to capture a larger slice of the global remittance pie, Telcoin is positioning itself to wrangle business away from industry giants like Western Union and MoneyGram by utilizing blockchain technology and the company’s own utility token ($TEL) to reduce remittance fees.

Telcoin says the global average cost of sending a remittance is 7 percent. Users of Telcoin’s service should expect to pay no more than 2.5 percent to send a remittance through the company’s mobile application.

Additional corridors for Telcoin are set to open in the future, most notably with US-Mexico remittances planned. Mexico currently retains the top spot as the world’s largest remittance corridor.

Complementing the remittance side of its business, Telcoin says it will introduce a suite of full-stack financial products through V3, the next version of its mobile application coming in June.

“Telcoin V3 is the culmination of three years of research and development, organization building, and business development,” Telcoin asserts. “The next generation of the Telcoin Platform stack is architected to fully harness the power of DeFi and the reach of telecoms to bring fast and affordable, user-owned financial products to every mobile network subscriber in the world.”

Telcoin is currently ranked among the top 100 cryptocurrencies in the world by CoinMarketCap.

Virus Leads Puig To Register The First Losses In His History

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The Puig group recorded last year with losses of 72 million, the worst result in the history of the company , compared to the profit of 304 million in 2019, as explained by the president of the group, Marc Puig . During the presentation of results, he attributed this evolution to confinement and social distancing, which has reduced the consumption of cosmetics and perfumery . 2020 has been “a complicated year”, he explained.

Despite all this, the operating result reached 93 million, compared to 333 million the previous year. Sales were 1,537 million, with a decrease of 24% thanks to the integration of the makeup brand Charlotte Tilbury , with great weight in the digital channel, in which it was the largest operation in its history.

The biggest drops in sales were registered in Spain, with 191 million and a decrease of 32% and in Latin America, with 257 million and a fall of 40%.

Puig has stated that they hope to return to benefits this year , although pre-pandemic levels will not be reached in “two or three years.” Despite the fact that the acquisition of Charlotte Tilbury has taken the company from excess cash to debt, Puig has ruled out going to the stock market to finance itself and expects to reduce the liability, higher income due to the expected growth.

The president of the group recalled that as of 2004, the company decided to focus on fewer activities, in fashion and perfumery , with which its worldwide presence went from 3% to close to 10%. Once they reached this critical mass, they opted to change their approach as a result of smartphones and China . Smart phones have triggered the use of products for the image , thanks to ‘selfies’ and social networks , Puig has argued.

That is why they opted for makeup and skin care products , since perfume has no impact in the digital world. This trend has led to further growth in cosmetics and perfumery. The other pillar is China, which stands out for its less use of perfumery than cosmetics. Puig has chosen to focus on these two pillars, and buy makeup companies, such as Charlotte Tilbury; and skin care, said Marc Puig.

New stores
After thanking his father for messages of appreciation, Mariano Puig , who recently passed away , has underlined, despite the effects of the pandemic, the opening of new company stores in Shanghai (China) and Los Angeles (USA), among others, since they did not have their own establishments outside of Europe. Last year the average of online sales was 28%, which was “a qualitative and quantitative leap”, he explained.

The company’s goal is to have “highly desirable and attractive” brands that help people “to reinforce self-confidence” through a family business, which provides a series of values ​​and ways of acting. The 2021-2023 strategic plan consists of doubling the turnover in three years and tripling it in five .

Despite the pandemic, the objectives are accelerating, he assured. In 2025 the goal is to have a series of brands at the level of 1 billion, another at 500 million and others, smaller, between 100 and 300 million. The focus is on Asia , which will assume 7% of the business in 2019 and will increase to 25% in 2025. And the digital channel, from 13% to 30% in five years.

Puig has stated that the group’s portfolio allows it to be ambitious in growth in Asia, particularly in China; and on the digital channel. The company has been divided into three divisions to accelerate growth. The group is currently the world’s fifth largest beauty and fashion group.

The president of the company recalled that in 2014, the year of its centenary, they already committed to being a greener and more social company. Despite meeting the objectives, there is a mandate from the family that requires it to be among the most advanced in sustainability issues .

“Many achievements have been made, but they are not enough,” he declared. Now the ambition is increasing for Puig to be recognized as one of the most advanced companies in this segment in its sector, he said.

Striking a Balance in The World of Investment: Will Retail Investors Ever Thrive in a Market Ruled by Hedge Funds?

In a 2021 that’s seen the acceleration of an IPO frenzy and the $100 billion dollar arrival of cryptocurrency giants in Coinbase, it’s perhaps telling of the state of the market that January’s GameStop battle between retail investors and hedge funds still appears to be the story of the year on Wall Street. 

The pumping of GameStop shares in late January caused a price hike from $77 to a peak of $483 before a subsequent reversion to $70 some 10 days later. The move itself was fuelled by a concentrated social media-driven short squeeze of huge proportions. 

With multiple hedge funds electing to short their GameStop holdings, many significant industry players lost out big during the price hike. 

(Image: Vox)

By the end of January 2021, short sellers had lost a collective $12.8 billion in the GameStop saga. Most notable was that of Melvin Capital, having been forced to close its short position on the stock.

At the time, the move, driven by Reddit pages like WallStreetBets and various social media channels, was seen as a seismic powershift from the market manipulation that hedge funds indulge in to that of coordinated retail investors. 

(Image: Freedom24)

However, as time went on, more retail investors who found themselves buying into the GameStop hype put themselves in the firing line of a significant price correction. As the dust settled some retail investment apps shut up shop in a controversial move to inhibit the manipulation of stocks, it appeared that the biggest victory against hedge funds in recent years was, in fact, a financially beneficial event for many hedge funds all along. 

One notable winner was the event-driven hedge fund, Mudrick Capital. With around $2.7 billion in assets, Mudrick Capital reportedly made $200 million on a combination of multiple Reddit-driven stocks – leading to almost a 10% gain in January 2021. Meanwhile, Senvest Management, a more contrarian hedge fund reportedly gained $700 million from the GameStop saga alone.

Even when retail investors join forces to cause shares to rally, it can be extremely difficult for individuals to time the markets – especially when going up against the heavily resourced hedge funds that dominate Wall Street. It’s for this reason that, in the wake of the sage, many traders rejected the stock exchange in favour of cryptocurrency markets. 

But is it possible for retail investors to ever consistently outmanoeuvre their hedge fund counterparts? Or is Wall Street perpetually rigged in favour of the house? 

Gambling on Retail

The GameStop saga shows the full extent of the power hedge funds hold in Wall Street. The notion that a cluster of social media accounts led the way in generating a spike in GameStop’s price in late  January is in itself a misconception of how the market works. 

“There is a misconception, that the price going up was solely due to small investors,” explained Bige Kahraman, professor of finance at Saïd Business School. “Hedge funds are good at riding bubbles. The dramatic movement was not only due to small investors but hedge funds identified and then rode the bubble all the way as the price went up and then sold.”

For Kahraman, small investors are “always going to lose money. They were exploited not only because big investors are exploitative, but also because, even in a perfect market, they cannot compete with informed, sophisticated traders.”

The rights of retail investors also came into question when investing app Robinhood introduced emergency trading restrictions in the aftermath of the GameStop pump. This move left smaller traders unable to buy more shares as GameStop soared

The limitations caused outroar among investors as GameStop’s shares began to decline, leaving many retail investors believing that the app had deliberately restricted purchases as a means of appeasing the hedge funds that were losing out. 

However, Maxim Manturov, Head of Investment Research at Freedom Finance Europe notes that Robinhood’s restrictions were likely related to internal liquidity issues: “It was because of those limits that many investors were dissatisfied and filed complaints and claims against Robinhood; the company, however, denies any involvement in assisting third parties, as nobody outside the company influenced the decision on the limits. It is more likely that these restrictions are only about a technical need to provide liquidity, and the company needed to take a break to raise cash in order to cover the cost of transactions and pay off investors who wanted to cash out.”

Despite Robinhood’s limitations coming from an issue with liquidity, it points to an uneven playing field between hedge funds and the accessibility of stocks to retail investors, and another reason why robust hedge funds may have the upper hand over individuals. 

Retail Prosperity

Despite the gloomy outlook for retail investors, it hasn’t stopped them from outperforming their more resourceful hedge fund counterparts across 2020 – with retail favourites returning significant profits over the HFRX hedge funds index. 

(Image: Zerohedge)

Lately, retail investors and hedge funds have been drawing David and Goliath comparisons from market onlookers. Where hedge funds are organised groups of professionals investors, retail investors are just individual traders operating off of their own research – usually as a hobby rather than a full-time profession. 

Over the past year, however, we’ve seen a significant surge in investors – possibly owing to the new levels of free time generated by the COVID-19 pandemic. What’s impressive is that these new investors have been effective traders, with data from Stake suggesting that, on average, retail investors have achieved a profit of 47% in 2020. 

According to Matthew Leibowitz, CEO of Stake, “it’s really just the tip of the iceberg of a deeper trend that has been fuelling rapid growth through 2020 and into 2021. More and more retail investors are recognising the incredible opportunity of the US market, one worth $37 trillion and home to some of the world’s largest and most exciting companies. So far this year, 75,000 customers across the globe signed up to Stake, and we have seen over 500,000 trades executed totalling over $800 million.”

While hedge funds possess the experience, tools and resources needed to be successful in the marketplace, investment patterns across 2020 and 2021 have indicated that there’s still room for retail investors in trading, and that individual investors can even thrive in comparison to their hedge fund counterparts. 

Although GameStop may not have been the giant killing that it first appeared to be, the continued performance of retail favourites shows that even in Wall Street, David can gain the upper hand over Goliath.

How to invest in Portugal’s Golden Visa Program and get permanent residence in 5 years

Ready to start a new chapter of your life in a post-pandemic world?

People will be raring to fly away for a break to their dream holiday destinations across the globe as the travel restrictions are eased.

But rather than opting for a couple of weeks away in the sun, why not consider relocating to a different country to begin the next chapter of your life.

Portugal is one of the treasures of the world. Boasting a dreamy landscape, beautiful beaches, delicious cuisine, friendly locals and sunshine, the country’s appeal is clear to see.

And, through its Golden Visa Program, it offers the perfect opportunity for those seeking to begin a new life there.

What is the Golden Visa Program?

The scheme is one of the most popular across the globe, with good accessibility for people.

It is a fast-track initiative for foreign investors from non-EU countries to obtain residency in Portugal.

Launched in 2012 by the Portuguese Government to encourage investment, the program has been extremely popular.

It has encouraged several billion Euros in real estate investment and more than 2,000 family applications each year.

Portugal is the third safest country in the world, according to the Global Peace Index, coming behind only Iceland and New Zealand.

And compared to other European countries, it has a very affordable cost of living.

But the lower cost of living certainly does not mean lower standards of living – far from it.

Resilient economy bounced back from crisis

Economies across the world were destroyed by the 2008 global financial crisis, however, Portugal was among the countries to bounce back strongly.

The nation’s Golden Visa Program, real estate market and tourism all played a crucial role in this.

The coronavirus crisis has caused unprecedented disruption across the globe and crippled economies again.

But with nations preparing to fully reopen for business once again, there is a prime opportunity to set up a new life and capitalise on an enticing investment opportunity.

The residency by investment Golden Visa Program boasts a range of incentives for anyone seeking to begin a new chapter of their lives.

While the lure of moving to Portugal is clear to see, people are also required to make an investment into the country to qualify.

Options available for potential investors

There are a number of potential investment routes but the most popular is through real estate.

Those who embark on a real estate investment are offered a path to gaining residency and potential citizenship in the southern European country on the Iberian Peninsula and, hence, European citizenship.

While there are significant opportunities, it is imperative to plan properly and budget accordingly.

Investors purchasing real estate will need to be well aware of other charges that they will be met with. They will face taxes, stamp duty, legal costs and other fees.

Part of the reason for the introduction of the program was to attract international investment into the country.

Shifting attention to life after the coronavirus pandemic

While it has been a major success, nine years on, the importance of the scheme cannot be underestimated.

As society sets its sights on a post-pandemic world, Portugal will be looking to welcome international investors as it vows to kick-start its economy.

But, of course, this is not only of benefit to Portugal – this works both ways.

While the program aims to inject cash into the economy, it also opens up an exciting gateway for potential investors to gain residency in the stunning country.

It provides people with the opportunity to become a permanent resident in just five years.

Meanwhile, it only requires a potential investor to stay in Portugal for a minimum of seven to fourteen days per year.

For those looking to invest, the lowest real estate investment threshold with the program is €280,000 – although investments are usually higher.

If somebody wishes to invest at the lower end of the scale, they will need to meet a number of requirements, such as the property being in a low-density area.

While many will be keen to take advantage of the cheapest real estate investment option of €280,000, this may not always be the best choice.

Cheapest option might not always be the best choice

Yes, this will give you a short-term advantage and require you to allocate less funds towards the property.

However, by opting for a cheaper property you could be at risk of increasing the likelihood of limiting your financial returns.

Choosing an option which is more expensive, and in a more advantageous area, could give you a better chance of generating better returns.

As well as real estate, the program also allows people to consider a number of other investment options.

They include transferring capital totalling at least €1 million into a Portuguese bank account, or by creating at least 10 jobs in the country.

Preparation and research is crucial before making a decision

As well as allowing people to live, work and study in Portugal, the wide-ranging Golden Visa benefits also include visa-free travel across the Schengen member states.

Furthermore, it is important to note that a range of changes to the program are set to come into force in 2022.

The changes will include the minimum investment thresholds required to qualify increasing.

But applicants still have time to take advantage of the scheme in its current form.

Without a doubt, there is a lot of information to get your head around.

But with the right research, preparation and due diligence this could well be the opportunity of a lifetime.

Many people become accustomed to their comfortable, and repetitive, lifestyles and are afraid of change – even though they desire far more.

But you only live once and opportunities are there to be taken. So what are you waiting for?

Who Is Behind The Most Successful Hacendado Products

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The Mercadona supermarket chain has managed to establish itself as one of the establishments most demanded by consumers thanks to a wide assortment of products, which it markets under the Hacendado brand. Some of them have become authentic ‘top sales’ of the Valencian chain.

In 2020, Mercadona closed the year with a 5.5% increase in its gross sales , to 26,932 million euros, and its net profit increased by 17%, to 727 million, as indicated by the president of the chain , Juan Roig , in the presentation of the company’s annual results.

The main objective of the chain is to improve the quality of its assortment, Roig has advanced, something that it achieves thanks to the suppliers , mostly Spanish, who manufacture and produce those star products so dear to their customers.

Ham and cheese pizza
One of them is Hacendado’s fresh ham and cheese pizza . This classic, which Mercadona sells in medium-size formats (415 g for 1.99 euros), small (two 220 g units for 2.35 euros per pack), family (600 g for 2.99 euros), as well as In its gluten-free and lactose-free variety (2.99 euros) it is manufactured by Casa Tarradellas .

Last year, the OCU rated this pizza as the third best on the market in its analysis thanks to its taste, the high quality of its ingredients and the balanced nutritional level.

Hacendado ham and cheese pizza, for sale at Mercadona.Hacendado ham and cheese pizza, for sale at Mercadona.MERCADONA

Guacamole
The success of Hacendado’s guacamole has been such that some competitors, such as Carrefour, have been encouraged to launch their own product with 99% avocado to compete with that of the Valencian firm.

Mercadona sells its guacamole in two sizes : a 200 g tub that costs 1.59 euros and a 500 g tub, which costs 3.29 euros.

Like pizza, Hacendado’s guacamole has the approval of the OCU, which has classified it as one of the best on the market. The manufacturer behind this successful product is Frutas Montosa , an avocado supplier based in the Malaga town of Vélez-Málaga.

Pot of guacamole from Hacendado, for sale at Mercadona.Pot of guacamole from Hacendado, for sale at Mercadona.MERCADONA

Almond ice cream
As for ice cream, the Hacendado brand Almendrado is one of the most demanded by Mercadona customers. These ice creams are sold in a box of 6 units for a price of 2.10 euros.

The manufacturer of these ice creams has Valencian origin: it is the Helados Estiu company , founded in 1983 and which is also the one who makes another successful product at Mercadona, the mango, coconut and pistachio mochis . The fury caused by the latter has been such that they have even been sold out in some establishments .

Hacendado almond ice cream, for sale at Mercadona.Hacendado almond ice cream, for sale at Mercadona.MERCADONA

Stracciatella Greek Yogurt and Strawberry Liquid Yogurt
The North American chain Schreiber Foods produces two of the dairy products that Mercadona customers like the most. These are stracciatella Greek yogurt -whose 6-unit pack sells for 1.45- and strawberry-flavored liquid yogurt with protein , which costs 0.85 euros for a 280 g bottle.

Stracciatella Greek yogurt from the Hacendado brand, for sale at Mercadona.Stracciatella Greek yogurt from the Hacendado brand, for sale at Mercadona.MERCADONA
Wedge cheese and slices

Cheese is another of the products that are sold the most in Mercadona. The Valladolid company Entrepinares is in charge of manufacturing some of these cheeses for the Valencian chain, which are sold in slices or wedges.

This manufacturer, founded in 1984, has three production centers in Galicia, Castilla y León and Madrid , a packaging and logistics center in Valladolid and two dairy products production plants in Lugo and Zamora.

Entrepinares is also the largest national cheese manufacturer , with an annual production of over 60 million kilos and is present in 35 countries, as indicated on its website.

Old sheep cheese from Entrepinares, for sale in Mercadona.Old sheep cheese from Entrepinares, for sale in Mercadona.MERCADONA

Olive oil
The olive oil is one of the star products of Spanish cuisine and, consequently, one of the defendants in the Valencian chain. The one that Mercadona sells as olive oil (which is neither virgin nor extra virgin) is manufactured by the Malaga company Mercaóleo , belonging to the Dcoop Group, and which brings together 75,000 farming families.

0.4º olive oil from Hacendado, for sale at Mercadona.0.4º olive oil from Hacendado, for sale at Mercadona.MERCADONA
Fried tomato
The Cidacos Group , a Riojan company specializing in the manufacture and marketing of canned vegetables, is in charge of preparing its much coveted fried tomato for Mercadona.

Mercadona sells its fried tomato in two formats, brick and glass jar . Specifically, three 210 g mini bricks cost 0.80 euros compared to the 0.95 euros that the largest 400 g bricks are worth.

Fried tomato from Hacendado, for sale at Mercadona.Fried tomato from Hacendado, for sale at Mercadona.MERCADONA
The Valencian chain also offers an ‘artisan recipe’ fried tomato also manufactured by Cidacos, the price of which amounts to 1.28 euros for a 300 g jar and 1.70 euros for a 560 g jar.

Unions Emphasize That ERTEs Have Prevented Us From Going Over 20% Unemployment

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The general secretaries of UGT and CC OO , Pepe Álvarez and Unai Sordo, respectively, have agreed to value the usefulness of the ERTEs , which, they consider, have prevented unemployment from rising further during the crisis caused by the coronavirus.

This has been highlighted in an interview that on the occasion of the celebration this Saturday of the first of May they have carried out in the program Hora 25 of the Ser chain, in which the leader of CC OO has stated that “we were able to put on the table the ERTE, which have surely prevented us from going through 20% unemployment instead of being at 16% “.

Álvarez, who acknowledged that “things have been done wrong . We see it in the queues of hunger,” said, however, that “if we had not taken the ERTE out of the closet, we would be facing a much greater job destruction. Three million have been maintained. of jobs by ERTE and aid to companies “.

In Sordo’s opinion, the workers have been the ones who “pulled the pandemic, sometimes with very low wages, without protective equipment and without knowing what this Covid was like. This class has sustained the country and a series of reforms must be recovered. to improve wages and employment and to give certainty “.

“When vaccination is consolidated,” Sordo continued, “we must recover the reform agenda that involves raising the SMI, for a pension reform that opens up a perspective that in the coming years there will be a pension system and a labor reform that avoid that the current formula is that of temporary employment and dismissal. “

For the Secretary General of the UGT, “this country lives in a state of tension and that makes us lose opportunities “, and considered that “EU funds should not only be for the green economy or digitization, but also to create jobs for quality”.

“What has happened in the United States,” Álvarez emphasized, “has led citizens to feel the need for union workers. That workers are organized is the best way to achieve improvements (…) In companies where there is union, there is higher contracts, fewer accidents … In the sectors with union affiliation there are better conditions “.

Regarding the labor reform, Unai Sordo was convinced that “the current labor reform can and should be turned around. The Biden thing is not anecdotal. We may be facing a paradigm shift to deal with crises . Biden vindicates the unions because through them they built the American middle class “, said the leader of CC OO in reference to the president of the United States.

According to Sordo, “we need to rebuild the redistribution of income. In the previous crisis there were growing inequalities that have fed some of the political monsters that we began to see here but that in the United States came to govern in the figure of Donald Trump “, the predecessor of Biden.

He added that “it is not true that Brussels asks Spain to maintain the Labor Reform of 2012 by wind and tide. We have to balance the relations between employers and workers.”

Regarding the demonstration on Saturday, the UGT leader commented that they are “delighted” that the third vice president of the Government and Minister of Labor and Social Economy, Yolanda Díaz , will attend .

“May 1 not be taken away from us. It is not an invention of the extreme right. A minister who comes from where she comes … it is reasonable that she is with us, ” said Pepe Álvarez, referring to his membership in the Communist Party and member of United We Can.

What are the most credible online payment methods?

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Being able to make financial payment transactions is a process whereby the highest levels of security and trust can be applied.

There is arguably nothing more important than the details that are used when making a payment of any kind, as these can be one of the biggest factors in making sure we are able to live the lives that we lead in such a way.

If payment methods were not made secure, there would be no reason as to why they should be trusted, as it would leave individuals and users open to attack, thus leaving them unprotected and vulnerable.

Thankfully, there are a number of credible online payment methods that can be used when online, whether it be online shopping or playing at mobile casinos for real money, therefore allowing users to get on with their daily activities with an experience that they can trust.

Software programs used can help make financial transactions at online casinos secure

One way in which casinos will be able to keep their player’s money safe and secure when betting online is via the use of software programs that have been specifically built to deal with that task effectively.

Indeed, one such software solution that exists for online casinos is the Moneygrator tool that has been provided and developed by Slotegrator. The software combines 100s of different online payment gateways and methods in order to provide the best services all within one single integration.

Moneygrator also includes some of the latest and very best technologies around to help seamlessly allow players to switch to a different payment processor in case there is a transaction failure, thus making it easier for customers to be able to make deposits when they perhaps encountered problems initially. Furthermore, the fact that they make making a payment as easy as possible, bettors will likely also be left feeling more satisfied as they will feel as though they can trust the system being used and that it is as secure as possible.

When taking a look at the main features of this particular money tool, it is clear why so many online casinos will look to use this kind of software to keep the financial data of their users as secure as possible. The tool will allow for bettors to choose from a plethora of different payment options that are all credible, whilst they are all available within one area as the software allows for one integration.

Credible payment methods include debit/credit cards

As mentioned, there are an array of different online payment methods that can be considered to be as credible as the other, with many providing some of the highest levels of safety, trust and security when they are being used.

Debit and Credit cards can be used, and these will tend to the be most secure as they come directly from a bank account, whilst some of them will also require authentication via various security measures, such as entering a code or a password that has been sent to the registered phone number, to allow for a deposit to be made.

These options can include payment gateways such as Visa, MasterCard and Maestro, with each of these known around the world as being some of the most trusted options available.

There are disadvantages to these payment methods, though, for those who play at online casinos, as withdrawal times can be a little longer at times, whilst transaction fees may be taken if certain cards are used. Credit cards can no longer be used in the UK with online casinos, either.

E-wallets such as PayPal, Neteller and Skrill also extremely credible

Other credible payment methods that exist include e-wallets, with these growing increasingly popular with many users around the world that look to make online financial transactions. One such reason for their increase in popularity is that they are safe and secure electronic wallets that are connected to a bank account that the individual has. They also provide a fast-processing experience, thus allowing bettors to deposit and receive funds in a quick, efficient and effective manner.

There are a number of different options available to use when considering an e-wallet as a credible online payment method, with PayPal perhaps one of the biggest and most well-known. PayPal is considered to be one of the planet’s most secure online platforms and are fast becoming one of the most popular gateways for those who purchase anything online.

They use software that encrypts data that has been handled whilst also having acquired full licenses, thus making them one of the securest methods available to online casino players.

Neteller and Skrill are other e-wallets that are available to use when making an online payment, with both of these extremely credible, as well. Millions of people around the world already use these for their financial transactions, as they offer plenty of protection to those who use their services.

Tiller Money Review-User-friendly Financial Planning

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While there certainly are some people in the world who enjoy managing their finances, I know that the majority of us really don’t. So, whether you’re looking for an easy way to manage your finances, or if you really are a spreadsheet connoisseur, Tiller Money may be the best option for you! This Tiller Money review is an insightful way of gaining an understanding of your finances in an easy way.

You can aggregate your financial information in one singular place as opposed to other platforms that will skew your financial information entirely. While the word spreadsheet may definitely scare some people away, keep in mind that you don’t need to have any understanding of how to use Excel or Google Sheets to take advantage of Tiller Money. It also helps you to keep track of your spending and it also provides you with daily and monthly reports on your financial activity.

Tiller Money was founded by Peter Polson in Seattle, Washington in the year 2014. It has expanded very well over time and more recently it has expanded from just Google Sheets to include Microsoft Excel. The easiest way to utilize Tiller Money is to take advantage of the Tiller Money Foundation Template. When you use it, your financial data is automatically pulled into the spreadsheet and you will be able to track your transactions, current balances, and set monthly/annual budgets.

To make sure all of your needs are met, you are able to fully customize our spreadsheet which will make your life so much easier. In only a few minutes, you are able to connect all of your accounts. From there, Tiller Money will do the rest, so you no longer have to stress about your financials. Check out this Atom Finance review for more great information!

Tiller Money features

The features offered by Tiller Money may be quite simple, but in the financial world, they are quite substantial and impressive. For the average person, Tiller Money will be more than sufficient to track finances and get into budgeting. While it may lack more advanced features such as bill paying and the tracking of your investments, the majority of people will largely benefit from using Tiller Money to manage their finances.

Daily Email Summaries

One of the best features of this is that you never have to revisit or constantly check Tiller Money to know what you need to know about your finances. In fact, users are able to set up a great daily email summary that will provide you with the details of the latest balances on your account as well as any transactions you have made. This then prevents you from any unpleasant surprises when you go to check your finances.

Create a Budget Sheet

Budgeting can be extremely hard at times, especially if you have no prior knowledge to understand what you’re doing and that’s where Tiller Moneys fully customizable budget sheet comes in. With this, you are able to easily customize different income and expense categories as well as manage multiple time frames whether it be monthly or quarterly. There are no formulas required to get it up and running and categories can even be hidden from your budget.

Automatic Data Population

Once you have connected your accounts to Tiller Money, the rest of the process happens automatically so you don’t really need to do anything. Make sure you check back every so often for the latest data on your finances, though. Tiller Money can also link to more than 10,000 institutions so pretty much anyone is able to use it.

When you connect your accounts, it is good to know that Tiller Money has your best interest at heart. You don’t give Tiller Money access to your accounts, so security is never an issue, however, Two-factor authentication via Google Sheets helps to add an additional layer of data security.

The pros and cons of Tiller Money

Tiller Money is a fantastic financial planning and budgeting platform. Your personal finance information is fed into the platform using automation and it is a great tool for anyone who struggles to manage their finances. Let’s take a look at the pros and cons.

Pros

  • Quick daily activity summaries
  • Template spreadsheets
  • Financial information is pulled automatically

Cons

  • No investment tools at all
  • Only available for use on Google Sheets and Excel

Tiller Money is highly praised for its simple and user-friendly approach to financial management as well as budgeting. It is perfect for average people, however, regular investors and people planning for retirement may want to consider looking at other platforms. Tiller Money offers a very helpful and simple solution that offers value for money which makes it great for people that are just getting into personal finance and budgeting.

Check out Tiller Money and take advantage of their 30-day free trial now.

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