Valinvest Blog + News: julio 2019

miércoles, 31 de julio de 2019

Turistička zajednica Grada Krka

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Theresa Wolf - Coaching | Inspiration - Theresa Wolf

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Reestructuración de deuda

Refinanciacion

Refinanciación de endeudamiento.

¿Qué es? Simplificándolo, se trata de convertir deuda a corto plazo en deuda a largo, para reducir las cuotas de amortización.

A nosotros llegan a menudo empresa que lo buscan porque en meses "flojos" les cuesta hacer frente a todos sus compromisos de pago.

¿Cuál es el problema?

Que los bancos aborrecen todo lo que sea refinanciar porque no quieren asumir riesgo de otras entidades y porque el Banco de España les hace provisionar el 25% del importe.

Si quieres saber cómo lo solucionamos nosotros, sigue leyendo...

Uno de nuestros clientes, una empresa industrial valenciana que tenía tensiones de tesorería puntuales que hacían peligrar su estabilidad, nos pidió que le ayudásemos a refinanciar sus préstamos a corto.

Era una refinanciación que ni su banco ni ningún otro le quería dar.

¿Qué hicimos?

Montamos la operación como una necesidad puntual (no recurrente) de tesorería que nada tenía que ver con la refinanciación de otros préstamos y centrándonos solo en la operativa de la empresa, sus plazos de pago y de cobro.

Así conseguimos dos operaciones que juntas cubrieron los tres préstamos y a más largo plazo.

Si quieres que te ayudemos con un problema similar...

Déjanos tus datos y te llamamos

El equipo de Iberfinancia.

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ampton in July 1900, Churchill rented a flat in London's Mayfair, using it as his base for the next six years. He stood again as a Conservative candidate for the seat of Oldham at the 1900 general election, securing a narrow victory. At age 25, he was now an MP. MPs were not then paid a wage and, to earn money, Churchill embarked on a speaking tour focusing on his South African experiences; after touring Britain in late October and November he proceeded to the US, where his first lecture was introduced by the writer Mark Twain. In the US, he met President William McKinley and Vice President Theodore Roosevelt; the latter invited Churchill to dinner, but took a dislike to him. Churchill gave further lectures in Canada, and in spring 1901 gave talks in Paris, Madrid, and Gibraltar. In October 1900, he published Ian Hamilton's March, a book about his South African experiences. In February 1901, Churchill took his seat in the House of Commons, where his maiden speech gained widespread press coverage. He associated with a group of Conservatives known as the Hughligans, although was critical of the Conservative government on various issues. He condemned the British execution of a Boer military commandant, and voiced concerns about the levels of public expenditure; in response, Prime Minister Arthur Balfour asked him to join a parliamentary select committee on the topic. He opposed increases to army funding, suggesting that any additional military expenditure should go to the navy. This upset the Conservative front bench but gained support from Liberals. He increasingly socialised with senior Liberals, particularly Liberal Imperialists like H. H. Asquith. In this context, he later wrote, he "drifted steadily to the left" of British parliamentary politics. He privately considered "the gradual creation by an evolutionary process of a Democratic or Progressive wing to the Conservative Party", or alternately a "Central Party" to unite the Conservatives and Liberals. Churchill in 1904 In the House of Commons, Churchill increasingly voted with the Liberal opposition against the government. In February 1903, he was among 18 Conservative MPs who voted against the government's increase in military expenditure. He backed the Liberal vote of censure against the use of Chinese indentured labourers in South Africa, and in favour of a Liberal bill to restore legal rights to trade unions. His April 1904 parliamentary speech upholding the rights of trade unions was described by the pro-Conserv

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The founding of Christianity in Britain is commonly attributed to Joseph of Arimathea, according to Anglican legend, and is commemorated in Glastonbury Abbey. Many of the early Church Fathers wrote of the presence of Christianity in Roman Britain, with Tertullian stating "those parts of Britain into which the Roman arms had never penetrated were become subject to Christ". Saint Alban, who was executed in AD 209, is the first Christian martyr in the British Isles. For this reason he is venerated as the British protomartyr. The historian Heinrich Zimmer writes that "Just as Britain was a part of the Roman Empire, so the British Church formed (during the fourth century) a branch of the Catholic Church of the West; and during the whole of that century, from the Council of Arles (316) onward, took part in all proceedings concerning the Church." After Roman troops withdrew from Britain, the "absence of Roman military and governmental influence and overall decline of Roman imperial political power enabled Britain and the surrounding isles to develop distinctively from the rest of the West. A new culture emerged around the Irish Sea among the Celtic peoples with Celtic Christianity at its core. What resulted was a form of Christianity distinct from Rome in many traditions and practices." The historian Charles Thomas, in addition to the Celticist Heinrich Zimmer, writes that the distinction between sub-Roman and post-Roman Insular Christianity, also known as Celtic Christianity, began to become apparent around AD 475, with the Celtic churches allowing married clergy, observing Lent and Easter according to their own calendar, and having a different tonsure; moreover, like the Eastern Orthodox Churches and the Oriental Orthodox Churches, the Celtic churches operated independently of the Pope's authority, as a result of their isolated development in the British Isles. Augustine of Canterbury was the first Archbishop of Canterbury. In what is known as the Gregorian mission, Pope Gregory I sent Augustine of Canterbury to the British Isles in AD 596, with the purpose of evangelising the pagans there (who were largely Anglo-Saxons), as well as to reconcile the Celtic churches in the British Isles to the See of Rome. In Kent, Augustine persuaded the Anglo-Saxon king "Æthelberht and his people to accept Christianity". Augustine, on two occasions, "met in conference with members of the Celtic episcopacy, but no understanding was reached between them." Eventually, the "Christian Church of the Anglo-Saxon kingdom of Northumbria convened the Synod of Whitby in 663/664 to decide whether to follow Celtic or Roman usages." This meeting, with King Oswiu as the final decision maker, "led to the acceptance of Roman usage elsewhere in England and brought the English Church into close contact with the Continent". As a result of assuming Roman usages, the Celtic Church surrendered its independence, and, from this point on, the Church in England "was no longer purely Celtic, but became Anglo-Roman-Celtic". The theologian Christopher L. Webber writes that, although "the Roman form of Christianity became the dominant influence in Britain as in all of western Europe, Anglican Christianity has continued to have a distinctive quality because of its Celtic heritage." The Church in England remained united with Rome until the English P Seguir leyendo

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Anglicanism, in its structures, theology, and forms of worship, is commonly understood as a distinct Christian tradition representing a middle ground between what are perceived to be the extremes of the claims of 16th-century Roman Catholicism and the Lutheran and Reformed varieties of Protestantism of that era. As such, it is often referred to as being a via media (or "middle way") between these traditions. The faith of Anglicans is founded in the Scriptures and the Gospels, the traditions of the Apostolic Church, the historical episcopate, the first four ecumenical councils, and the early Church Fathers (among these councils, especially the premier four ones, and among these Fathers, especially those active during the five initial centuries of Christianity, according to the quinquasaecularist principle proposed by the English bishop Lancelot Andrewes and the Lutheran dissident Georg Calixtus). Anglicans understand the Old and New Testaments as "containing all things necessary for salvation" and as being the rule and ultimate standard of faith. Reason and tradition are seen as valuable means to interpret scripture (a position first formulated in detail by Richard Hooker), but there is no full mutual agreement among Anglicans about exactly how scripture, reason, and tradition interact (or ought to interact) with each other. Anglicans understand the Apostles' Creed as the baptismal symbol and the Nicene Creed as the sufficient statement of the Christian faith. Anglicans believe the catholic and apostolic faith is revealed in Holy Scripture and the Catholic creeds and interpret these in light of the Christian tradition of the historic church, scholarship, reason, and experience. Anglicans celebrate the traditional sacraments, with special emphasis being given to the Eucharist, also called Holy Communion, the Lord's Supper or the Mass. The Eucharist is central to worship for most Anglicans as a communal offering of prayer and praise in which the life, death, and resurrection of Jesus Christ are proclaimed through prayer, reading of the Bible, singing, giving God thanks over the bread and wine for the innumerable benefits obtained through the passion of Christ, the breaking of the bread, the blessing of the cup, and the partaking of the body and blood of Christ as instituted at the Last Supper, however one wished to define the Presence. The consecrated bread and wine which are the true body and blood of Christ after a spiritual manner (not in a crude physical way) are outward symbols of an inner grace given by Christ, which to the repentant conveys forgiveness and cleaning from sin. While many Anglicans celebrate the Eucharist in similar ways to the predominant western Catholic tradition, a considerable degree of liturgical freedom is permitted, and worship styles range from the simple to elaborate. Unique to Anglicanism is the Book of Common Prayer (BCP), the collection of services that worshippers in most Anglican churches have used for centuries. It was called common prayer originally because it was intended for use in all Church of England churches, which had previously followed differing local liturgies. The term was kept when the church became international, because all Anglicans used to share in its use around the world. In 1549, the first Book of Common Prayer was compiled by Thomas Cranmer, who was then Archbishop of Canterbury. While it has since undergone many revisions and Anglican churches in different countries have developed other service books, the Prayer Book is still acknowledged as one of the ties that bind Anglicans together. Seguir leyendo

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The word Anglican originates in Anglicana ecclesia libera sit, a phrase from the Magna Carta dated 15 June 1215, meaning "the Anglican Church shall be free". Adherents of Anglicanism are called Anglicans. As an adjective, "Anglican" is used to describe the people, institutions, and churches, as well as the liturgical traditions and theological concepts developed by the Church of England. As a noun, an Anglican is a member of a church in the Anglican Communion. The word is also used by followers of separated groups which have left the communion or have been founded separately from it, although this is considered as a misuse by the Anglican Communion. The word Anglicanism came into being in the 19th century. The word originally referred only to the teachings and rites of Christians throughout the world in communion with the see of Canterbury, but has come to sometimes be extended to any church following those traditions rather than actual membership in the modern Anglican Communion. Although the term Anglican is found referring to the Church of England as far back as the 16th century, its use did not become general until the latter half of the 19th century. In British parliamentary legislation referring to the English Established Church, there is no need for a description; it is simply the Church of England, though the word "Protestant" is used in many legal acts specifying the succession to the Crown and qualifications for office. When the Union with Ireland Act created the United Church of England and Ireland, it is specified that it shall be one "Protestant Episcopal Church", thereby distinguishing its form of church government from the Presbyterian polity that prevails in the Church of Scotland. The word Episcopal is preferred in the title of the Episcopal Church (the province of the Anglican Communion covering the United States) and the Scottish Episcopal Church, though the full name of the former is The Protestant Episcopal Church of the United States of America. Elsewhere, however, the term "Anglican Church" came to be preferred as it distinguished these churches from others that maintain an episcopal polity. Seguir leyendo

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Anglicanism is a Western Christian tradition which has developed from the practices, liturgy, and identity of the Church of England following the English Reformation. Adherents of Anglicanism are called "Anglicans". The majority of Anglicans are members of national or regional ecclesiastical provinces of the international Anglican Communion, which forms the third-largest Christian communion in the world, after the Roman Catholic Church and the Eastern Orthodox Church. They are in full communion with the See of Canterbury, and thus the Archbishop of Canterbury, whom the communion refers to as its primus inter pares (Latin, "first among equals"). He calls the decennial Lambeth Conference, chairs the meeting of primates, and is the president of the Anglican Consultative Council. Some churches that are not part of the Anglican Communion or recognised by the Anglican Communion also call themselves Anglican, including those that are part of the Continuing Anglican movement and Anglican realignment. Anglicans base their Christian faith on the Bible, traditions of the apostolic Church, apostolic succession ("historic episcopate"), and the writings of the Church Fathers. Anglicanism forms one of the branches of Western Christianity, having definitively declared its independence from the Holy See at the time of the Elizabethan Religious Settlement. Many of the new Anglican formularies of the mid-16th century corresponded closely to those of contemporary Protestantism. These reforms in the Church of England were understood by one of those most responsible for them, Thomas Cranmer, the Archbishop of Canterbury, and others as navigating a middle way between two of the emerging Protestant traditions, namely Lutheranism and Calvinism. In the first half of the 17th century, the Church of England and its associated Church of Ireland were presented by some Anglican divines as comprising a distinct Christian tradition, with theologies, structures, and forms of worship representing a different kind of middle way, or via media, between Protestantism and Roman Catholicism – a perspective that came to be highly influential in later theories of Anglican identity and expressed in the description of Anglicanism as "Catholic and Reformed". The degree of distinction between Protestant and Catholic tendencies within the Anglican tradition is routinely a matter of debate both within specific Anglican churches and throughout the Anglican Communion. Unique to Anglicanism is the Book of Common Prayer, the collection of services in one Book used for centuries. The Book is acknowledged as a principal tie that binds the Anglican Communion together as a liturgical rather than a confessional tradition or one possessing a magisterium as in the Roman Catholic Church. After the American Revolution, Anglican congregations in the United States and British North America (which would later form the basis for the modern country of Canada) were each reconstituted into autonomous churches with their own bishops and self-governing structures; these were known as the American Episcopal Church and the Church of England in the Dominion of Canada. Through the expansion of the British Empire and the activity of Christian missions, this model was adopted as the model for many newly formed churches, especially in Africa, Australasia, and Asia-Pacific. In the 19th century, the term Anglicanism was coined to describe the common religious tradition of these churches; as also that of the Scottish Episcopal Church, which, though originating earlier within the Church of Scotland, had come to be recognised as sharing this common identity.

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The Lincolnshire Topographical Society was established in 1840 under the patronage of Lord Monson. Among its members were the architects Edward James Willson and William Adams Nicholson. It only published one volume of proceedings and appears to have been defunct by 1843. Albion Rooms, Louth In 1844 the Lincolnshire Society for the encouragement of Ecclesiastical Antiquities was founded in Louth. The first meeting was held in the Albion Rooms in the Cornmarket on the 21st November 1844. Meetings were held monthly and membership was by election. Initially this was limited to members of the Anglican church. This is probably the reason why Edward James Willson, a Roman Catholic, did not join this Society. In 1849 the Society changed its name to the Lincolnshire Architectural Society and then in 1853 to the Lincolnshire Diocesan Architectural Society. White's Directory for Lincolnshire noted in 1856 that the "Lincolnshire Diocesan Architectural Society has an interesting collection of curiosities, drawings etc. in the Louth Corn Exchange [opposite the Albion Rooms], but that it was proposed to move it to Lincoln". Archdeacon Edward Trollope was appointed as secretary of the Society in 1850 and it was probably on his initiative that the Society moved to Lincoln and started to publish its proceedings in the Reports and Papers of the Associated Archaeological Societies. A further name change occurred in 1885 when it became the Lincolnshire and Nottinghamshire Architectural and Archaeological Society. This was to reflect the removal of the Archdeaconry of Nottingham from the Diocese of Lincoln and the creation of the new Diocese of Southwell. In 1902 Nottinghamshire was dropped from the title. During these early years a high proportion of the members of the Society were clergymen within the Diocese of Lincoln and most of the published articles are about Church history and architecture. While the Lincolnshire Architectural and Archaeological Society continued to publish its papers with the Associated Archaeological Societies until 1936, other developments were taking place. In 1930 the Lindsey Local History Society was founded and it came to publish the Lincolnshire Historian. In 1945 the Lincoln Archaeological Research Committee was founded and this started to conduct a series of notable excavation both in the City of Lincoln and in the County. The Lincolnshire Architectural and Archaeological Society merged with the Lindsey Local History Society in 1965 and in 1974 the Society for Lincolnshire History and Archaeology was created by a further mergers with the Lincoln Archaeological Research Committee. and the Lincolnshire Industrial Archaeology Group.

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Lincoln has a professional football team, Lincoln City FC, nicknamed "The Imps", which plays at the Sincil Bank stadium on the southern edge of the city. The collapse of ITV Digital, which owed Lincoln City FC more than £100,000, in 2002 saw the team faced with bankruptcy, but it was saved by a fund-raising venture among the fans, which returned ownership of the club to them, where it has remained since. The club was famously the first team to be relegated from the English Football League, when automatic relegation to the Football Conference was introduced from the 1986–87 season. Lincoln City regained its league place at the first attempt and held onto it until the 2010–11 season, when it was again relegated to the Football Conference. Its most successful era was in the early 1980s, winning promotion from the Fourth Division in 1981 and narrowly missing promotion to the Second Division in the two years that followed. More recently, the club reached the quarter-finals of the FA Cup in 2017, beating several teams in the top two tiers of English football before being defeated by Arsenal.[citation needed] Lincoln City was the first club managed by Graham Taylor, who went on to manage the English national football team from 1990 to 1993. He was at Lincoln City from 1972 to 1977, during which time the club won promotion from the Fourth Division as champions in 1976. The club also won the Football League Division Three North title on three separate occasions, a joint record. Lincoln is also home to Lincoln United FC, Lincoln Moorlands Railway FC and Lincoln Griffins Ladies FC. Lincoln hosts upcoming sports teams and facilities such American football's Lincolnshire Bombers, which plays in the BAFA National Leagues, the Lincolnshire Bombers Roller Girls, the Imposters Rollergirls, and hosts Lincoln Rowing centre on the River Witham. Lindum Hockey Club plays in the north of the city. Since 1956 the city has played host to the Lincoln Grand Prix one-day cycle race, which for around 30 years or so has used a city-centre finishing circuit incorporating the challenging 1-in-6 cobbled ascent of Michaelgate. Since 2013 the city has also boasted its own professional wrestling promotion and training academy, Lincoln Fight Factory Wrestling. The Lincoln Lions rugby union team has been playing since 1902. Two short-lived greyhound racing tracks were opened by the Lincolnshire Greyhound Racing Association. The first was the Highfield track in Hykeham Road, which opened on 13 September 1931, and the second at the Lincoln Speedway on the Rope Walk, which opened on 4 June 1932. Racing at both tracks was independent as they were "flapping" tracks not affiliated to the sports governing body the National Greyhound Racing Club). Their dates of closure have not been found.

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ssist Marshal André Masséna's invasion of Portugal, Emperor Napoleon ordered Marshal Nicolas Soult to act. Accordingly, Soult set out in January 1811 with 13,500 foot soldiers, 4,000 horse, and 2,000 gunners and sappers to besiege Badajoz. In a preliminary operation, Soult captured Olivenza in a two-week siege that ended on 23 January. The French seized 4,161 Spanish prisoners and 18 guns for an admitted loss of only 15 killed and 40 wounded. On 27 January, Soult's army invested Badajoz. Despite the interference of a 15,000-man Spanish relief army, the results were all the French could have hoped for. On 19 February, Soult sent Marshal Édouard Mortier to deal with the Spanish army. Mortier won a crushing victory in the Battle of the Gebora. The Spanish lost 850 killed and wounded plus 4,000 men, 17 guns, and 6 colors captured. French casualties only numbered 403. Turning to the siege, Soult forced a surrender on 11 March. The 4,340-man Spanish garrison plus 2,000 fugitives from the Battle of the Gebora lost about 1,000 killed and wounded while the rest became prisoners. The French sustained 1,900 casualties in the siege. At about this time Soult received intelligence that Spanish General Francisco Ballesteros was menacing Seville and Marshal Claude Perrin Victor had been defeated by General Thomas Graham at the Battle of Barrosa. Leaving Mortier and 11,000 soldiers to hold Badajoz and environs, Soult hurried away with the remainder to deal with the twin threats. Meanwhile, Mortier besieged and captured Campo Maior on 21 March. As his subordinate General of Division Victor de Fay de Latour-Maubourg convoyed the captured cannon back to Badajoz, he was surprised by the cavalry vanguard of William Carr Beresford's approaching Anglo-Portuguese corps. In the Battle of Campo Maior on 25 March, the British 13th Light Dragoons scored an initial success, then lost all control as they galloped after the defeated French dragoons. In the confusion, Latour-Maubourg kept his head and, with the help of Mortier, managed to save the artillery convoy except for one artillery piece. Nevertheless, the appearance of Beresford and 18,000 Allied troops threw the French onto the defensive. A field marshal in the service of Portugal, Beresford had available the 2nd Division, the 4th Division, Major General John Hamilton's Portuguese Division, and General Robert Ballard Long's cavalry. If he could have invested Badajoz at the end of March, Beresford might have found the defenses of the fortress in poor shape. However, problems arose to delay the operation until the French effected repairs. First, the 4th Division was immobilized by a lack of shoes and had to wait for a new shipment from Lisbon. Next, ample bridging material was supposed to be available at the Portuguese fortress of Elvas, but the number of pontoons proved inadequate to span the Guadiana River. The military engineers improvised a bridge, but it was immediately washed out by a flo Seguir leyendo

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miércoles, 31 de julio de 2019

Turistička zajednica Grada Krka

Theresa Wolf - Coaching | Inspiration - Theresa Wolf

Reestructuración de deuda

Wohnen und Einrichten mit Feng Shui | quitt.org

http://nmsgoellersdorf.ac.at/

Die Fotografin für Fotoshootings in Vorarlberg - Monika Kessler Art of Photography

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