When the production costs of goods and services are calculated, there are costs that are linked to the production process of each product or service, these costs are called variable costs, in that they are increased or decreased depending on the number of units produced. However, there are other types of costs that are transversal … Read more
The acronym FEIN refers to the European Standard Information Sheet, that is, a document that the bank must deliver to us before formalizing the contracting of a mortgage and that it must contain all the information of the loan offered to finance a home. It arises with the entry into force of the new Spanish … Read more
When we talk about finances, we are referring to entities or apartments directly related to the circulation of money between companies, individuals and States. Finance is a branch of economics that focuses on the management of monetary resources and, also, in obtaining them. Therefore, finances are directly related to saving and investing. But also, with … Read more
Financial assets are financial products, in which the buyer acquires a right to collect an amount of money from an issuer that sells that product. These assets can be issued by any economic unit, such as companies, banks or governments. We can find fixed income financial assets or variable income financial assets. In accounting terms, … Read more
The meaning of pledging is to pledge one or more assets as an additional form of payment guarantee, usually with a lender. This system is used in banking to guarantee financial operations, as may be the case of loans where the applicant's profile does not have sufficient guarantees for the return of the borrowed money. … Read more
Freemium is a relatively recent concept, specifically from 2006. The one in charge of popularizing it was Fred Wilson of Union Square Ventures. The definition of Freemium is the business model that works by providing a service or product for free, such as web services or software, while charging a fee for advanced tools or … Read more
The concept free of charges refers to the property that does not present any limitation on its domain, that is, that no embargoes weigh on it, Mortgages, resolution clauses, etc. It is important to know the definition of free of charge to enter the real estate world, especially among potential buyers, since otherwise there is … Read more
When commercial operations are carried out between people or companies from different countries, we are dealing with foreign trade. That is, from a point of view macroeconomic, different nations exchange, among themselves, goods and / or services or their price, to cover their internal needs. When we talk about foreign trade, we are usually also … Read more
The concept of financial leverage refers to the part of the company that is financed with debt. It allows us to access investments of a certain relevance with minor own funds. Financial leverage implies greater risk to the company, since external financing represents a cost for the company that has to be reflected in obtaining … Read more
Free rider is an English expression used in economía, and comes to refer to those consumers of indivisible goods or services, especially public and who benefit from them without paying contraprestación any. In Spanish, it is also called the “stowaway problem”. In other words, this problem arises as when a person (stowaway) tries to receive … Read more
