Surely, a relative, friend or yourself has been forced to go to your bank to resolve a problem with a commission unexpectedly, the clearance of the deposit that do not fit in to their calculations, or the mortgage payment surprising that you have applied . Many data that a bank or handled during the day, although sometimes these errors are correctable, at other times the client is helpless before an operation he considers unfair.

For this type of conflict, banking users have a double protection: the defender of the client’s own entity and, where appropriate, the Complaints Service Bank of Spain.

Between 2007 and 2008, the number of queries submitted to the regulatory body increased by 69 percent, to 36,900. And only in the first half of 2009 (latest data update), had over 28,000 complaints, representing an increase of 81 percent over the same period last year.

One of the most common complaints among all the issues raised by users is on the committees, both in asset transactions (deposits) and liabilities (loans).

In fact, financial institutions have increased the average rates of common operations in recent months, the account maintenance fee has increased by 9.70 per cent and overdraft accounts, more than a 27 percent, the Bank of Spain (see table).

But go to any of the bodies empowered to channel these complaints is not always effective. You have to know perfectly what are the deadlines, procedures and operations that the client must realize that your complaint is acknowledged. So you can have enough arguments to claim more strongly in his office.

A growing company can have a great hunger for liquidity to finance growth. WalMart was for years a growing company with negative cash flows (to finance growth). Do not let you leave without liquidity growth by surprise. No matter how well you can not go running out of cash on hand.

If you need external funding to provide capital, looking for professional investors and investment funds. Far better to have outside investors professional individuals.

Hire an auditor and audit your company every year. No matter how small your business, the discipline of the annual audit discipline throughout the accounting team.

There is nothing wrong with having the money earned in the company box. Microsoft spent decades accumulating unpaid dividends and liquidity for expansion. The money in the box gives you capacity for growth.

Controls the time limit for payment of your customers and do not hesitate to call the deadline as many times as necessary. Many companies pay the most persistent first.

Customers are paying. If someone uses your services and does not pay, not a client, is a burden to your business. Get rid of the ballast as soon as possible.

From the beginning you have to be clear you want to do with the company long term because your financial decisions and your operations are very different as you want to) sell to a third party, b) go public or c) keep the business you’re riding. If you want to leave your company “the children of your children” do not seek venture capital, for example.

A common mistake of entrepreneurs is to think “I need the money within two years, I’ll look in 12 months.” Investors have their own plans and timetables. Get the money when the investors / buyers are willing to invest or consistent with its strategy and not when you need it.

Many people do not plan to pay debts, usually the people what they do is spend a lifetime accumulating and creating a new debt to complete a previous one, to do this many people forget the amount of any costs or coming at a time of year (such as taxes and diseases) which must be filled, when spending is strong, the best thing to do is plan your payment for example if each November taxes paid 1,100 euros then the ideal is not to seek Euro 1100 when nearly every year in November but plan to save 100 euros per month from January until paid the amount, the same planning should be used for various expenses mainly heavy expenses that require larger sums of money hard to come shortly .

They tell me that before was not normal debt, people save to buy what he wanted and so bought and appreciated what it had cost, however today people buy things without value and ends in debt, even bankruptcy says families in fashion, to ultimately think everyone should live only with their own income, there are options such as reunification of debts.