Adolfo Ramírez Morales

In 2024, significant changes are set to take place in the contribution table that will notably affect self-employed individuals in Spain.  These adjustments are aimed at reducing the financial burden for those in the lower income brackets, while simultaneously increasing it for those in higher income brackets.  This shift in policy represents a move towards a more balanced and equitable contribution system, reflecting the varying financial capabilities of self-employed individuals.  These changes underscore the importance of staying informed and prepared for evolving tax regulations.  For tailored advice and to understand how these changes might impact you, get in touch with us today through this link: https://lnkd.in/dvM-6Etd and ensure that you're fully prepared and strategically positioned to adapt to the upcoming changes in the 2024 contribution table for self-employed individuals in Spain. Don't miss the opportunity to optimize your financial planning with expert guidance. #SelfEmployedSpain2024 #TaxChangesAhead #FinancialStrategyUpdate

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💥 A big leap from Santander in the US financial services market! 🚀 The bank announced the introduction of its digital bank Openbank in the United States. This step marks an important moment in the bank's strategy of expansion and #innovation. Openbank is already successfully operating in Europe and is now preparing to win American hearts. This initiative will allow customers to access modern financial #services that meet the highest standards of quality and innovation. Santander understands how important it is to be competitive in the digital era, so we look forward to further innovative solutions from this #financial group! #Santander #Openbank #USA #Finance #Innovation #DigitalTransformation

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🔥 Today, at South Summit in Madrid, Lee Newman, Dean of IE Business School, and Steven Bartlett, serial entrepreneur and creator of the renowned podcast The Diary Of A CEO, engaged in a compelling conversation about the dynamics of entrepreneurship. I want to share my takeaways... ✨ Small Wins & Quitting: They emphasized the significance of focusing on small wins to create a sense of progress and momentum in business. However, they also stressed the importance of knowing when to quit and admit defeat when faced with insurmountable challenges. This balance requires objective evaluation and critical thinking in decision-making. 📖 Storytelling Power: The speakers highlighted the power of storytelling in entrepreneurship. By leveraging social media, entrepreneurs can build a personal brand, attract support, and create a community. High-quality content is essential in today's technology-driven landscape, offering a significant advantage in hiring and scaling a business. 💡 Leadership & Paranoia: Leadership and confidence are crucial, but maintaining a healthy level of paranoia is necessary to drive innovation and manage risks. Success can sometimes lead to complacency, hindering further innovation. Thus, striking a balance between confidence and paranoia is key to sustained growth and success. ⚠️ Fear & Knowing When to Quit: A significant part of their discussion centered on the fear of failure and knowing when to quit. They underscored that the sunk cost fallacy often clouds judgment, leading entrepreneurs to overvalue their efforts. By conducting pre-mortem exercises—imagining and analyzing why an idea might fail—entrepreneurs can make more informed decisions and avoid the pitfalls of cognitive biases. 📹 Actionable Insights: Entrepreneurs are encouraged to film daily moments and insights to share on social media, thereby building a robust online presence. By doing so, they can attract a larger pool of qualified applicants for job opportunities and maintain a competitive edge in the market. 😴 Health & Wellbeing: They also discussed the critical importance of getting a good night's sleep every day for recovery and maintaining overall health. Prioritizing sleep and taking care of one's health ensures sustained energy, better decision-making, and long-term success. María Benjumea Diego del Alcázar Benjumea Santiago Iniguez Juan José Güemes Nacho Mateo David Suarez Manuel López Martín de Blas Concepción Galdon PhD. Alistair Fildes Iona de Macedo Carla Szemzo Dylan D'Lima Marta Perez #Entrepreneurship #Leadership #Innovation #SouthSummit #ContentCreation #BusinessGrowth #StevenBartlett #LeeNewman

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🤖 GenAI, the springboard for future generations of family entrepreneurs 🧑‍🧑‍🧒 The next generations of family entrepreneurs express doubts about the ability of their elders to harness the potential offered by #GenAI in their companies.  👉 This is one of the main conclusions of the 'Global NextGen Survey 2024' report, elaborated by #PwC 📊 Check the full article in our #IdeasPwC blog💡

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When can #socialsystems in #business be considered #moral agents? In this paper, De Pedro (Universidad Villanueva) constructs a theoretical framework based on #Luhmann ideas on social systems and morality. He argues that morality is a phenomenon that occurs in communication, and an agent can engage in morality in three different ways (as a moral factor, an expressive moral agent, or a reflective moral agent) depending on the functions it plays in #communicative interactions. Full paper: https://lnkd.in/e9cDm8zG

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Entrepreneurship involves navigating uncertainty, facing constant challenges, and dealing with high levels of stress. In fact, 72% of founders struggle with mental health and 81% of them hide their stress, fears and challenges from others. If you're one of those founders who loves the business you've created and want to see it grow, consider joining us on May 21st to learn more about the Foundations of Scaling program, meticulously crafted for founders eager to propel their businesses to new heights while also taking care of themselves. Scale yourself. Scale your business! It's a privilege to witness the thoughtfulness and care that Sebastian Ross has put into IESE Business School's School of Founders, to support the evolution of founders and their businesses, in very real and sustainable ways. 🔍 What to Expect on May 21st: • Expert-led Session: Learn from seasoned professionals who have successfully scaled businesses: IESE (E)MBA alumn Oriol Vila, co-founder of Holaluz and Entrepreneur in Residence; and Christina Engebak, Managing Director at Lexidy and alumni from the first cohort of the Foundations of Scaling program. The session will be moderated by Thomas Maximilian Klueter, Professor of Entrepreneurship at IESE and Academic Director of the School of Founders. • Invaluable Insights: We’ll discuss some of the lessons and best practices learnt from two years’ experience within IESE’s Foundation of Scaling program. • Networking Opportunities: Connect with fellow leaders and potential collaborators who can help accelerate your growth. • Meet The Coaches: Stephen Stynes Tony Anagor Ramon Estrada Emilia Domenech Jasmine Borhan Enrique Escauriaza and Aline Badr PCC 🙋🏽‍♀️ and the lovely Patricia Gil de Sola who makes everything that much better! 📅 Join Us: • Date: May, 21st , 19h • Venue: South Campus Auditorium. IESE Business School, Barcelona • Registration: https://lnkd.in/dw4VsYbK Look forward to seeing you there. #IESEBusinessSchool #Entrepreneurship #ScalingSuccess #ScaleUp

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🚀 Which innovation trends will define the future? Now available #Megatrends 2024, the report on innovations that will transform society in the coming years, created by our expert think tank hashtag#FutureTrendsForum. 🤖 Artificial intelligence: beyond generative AI.  🌐 Virtual, augmented and mixed reality to (re)create our world. 🚗 The urban revolution: from the smart city to the wise city. 🔬 Precision medicine to cure the incurable. 🎓 Educate to innovate: the future of talent.  🌍 Connecting sustainability with today's world. 🌌 Researching space to improve the Earth.  🧠 Neuroscience and neurotechnology to learn more about the brain. 🔒 Digital security in transformation 💻 From classical computing to hybrid computing. Access the report and get a head start on the future 👉 https://lnkd.in/dP3Pwm3f 💡 Expand Megatrends 2024 with ChatGPT! We have created 10 chats with GPT based on the Foundation's entire historical knowledge. Have you tried them yet? Inside the report, in each megatrend, you can find the GPT icon to learn more.  ➡️ Access Megatrends on our website and remember, we put AI at your service to stay #BeyondTheFuture

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Starting @ IESE Business School #economy #management #leadership #technology #negotiation #AI #digital #business #venturecapital AESE Business School IESE’s Executive Education Programs ranked no. 2 in the world by the Financial Times - https://lnkd.in/dnTSq9Gc

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Cercle d'Economia For two years, I had the honor to preside the CdE study on the state of Female Leaders in the IV industrial revolution with professors, judges, and entrepreneurs. This year, I was lucky to attend & take the pulse of the evolution of Europe's productivity. Productivity. The rapid technological change is leaving European regions out of play, for most but a few: Briefs in 3 languages: https://lnkd.in/g5dgXPPQ In the last 2 decades, the raise of productivity improved a bit across the EU, but the overall rhythm has declined. We see more elevated productivity in central and northern regions & a widening between the most and least productive. Italy, France, Spain, Catalonia are descending. Here are some notes that resonated: - When productivity raises it has a positive economical dynamic for an entire country & wellbeing of its citizens. - EU is vastly different: 2 groupings, one is low & the other one more than doubles in productivity over the last 20 years. - The growth of Madrid & Catalan productivity is low in comparison to the rest of Europe. Central & Norther Europe strengthen their leadership in the geographical distribution of productivity. France & Italy are not in a better place & see half of their regions' numbers lower their productivity. - Who your neighbor is matters a lot. Be it a metropolis, or a neighboring region with strength will lift you up. This reminds me of who you surround yourself with... A region has a hard time lifting up if those neighboring it are in the lower rankings, not innovating or cooperating. Alternatively, if your adjacent region is strong you have a 41% chance of moving up. Leadership is contagious: role models who share & innovate, entrepreneurial forums, and well deployed models will show the "How to..." that is much needed. - Productivity capitals are moving, from Switzerland, Davos, Milan or Basel as key capitals, to Bayern or Baden-Württemberg at the front. 3 main themes I took away: 1. A wake up call for constant innovation, unity, common goals, sharing of models, education to revert and accelerate. The results are not for the enterprise itself, or the owner, but for the social being of all humans. There is a major correlation here I want to emphasize. 2. Productivity is not related to the hours you work... It is what you do at work, and HOW you work (almost more important in my book). I see a major call for collaboration across European regions, for innovation forums, funding & incentives for those who want to grow, lead the change and help lift us out of this situation. This also touches the amount of bureaucracy, it is clearly slowing us down. Agility and overhauls comes to mind. 3. I encourage Europeans to focus on the main problems we face across our planet: climate change, constant digital transformation, the ever changing demographics, the raise of bureaucracy... Thank you to the Cercle d'Economia for being so bold in your Think Tank! https://lnkd.in/gnrgP5XV

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We begin June by disseminating the interview we recently made with Joaquín Alegre (University of Valencia) about the paper he has published together with his colleagues Joan Merin Rodrigañez and Angels Dasí on "Digital transformation and firm performance in innovative SMEs: The mediating role of business model innovation". You can find all the details about the interview and the paper 👇 https://lnkd.in/d3ZR5bRq #Technovation #Interview #Alegre #DigitalTransformation #BusinessModelInnovation

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Certainly a great session in order to understand the "#DetailsOfSustainability"

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It was enriching to participate in the "Leadership in the Era of AI & Poli-Crisis" panel discussion organized by the IE University at the Google premises in Zurich. VUCA (volatile, uncertain, complex, ambiguous) is definitely not a new term to describe the state of our world, as Martin Gutmann pointed out - in fact, Churchill already used these words to describe the defining situation of his time. However, the "A" of ambiguity appears to be much greater today than ever before, creating constant mental stress. Leaders in such a time have to be comfortable dealing with the unknown and make decisions based on probabilities rather than clear and complete information. What are the methodological prerequsites for this? According to Martin Gutmann, the same ones that enabled Charles Lindbergh to make the first solo transatlantic flight in 1927: 💡 Don't add, subtract (reducing complexity) 💡 Don't use a map, use a compass ( 👉 your values) 💡 Integrate new technologies into existing ones If Lindbergh was able to navigate VUCA with this cockpit (👇), imagine what we should be capable of in the era of AI! 😉 #Leadership #VUCA

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The June edition of FundsPeople (ES) features a great article about young talents / the next generation in Spanish fund selection. We contributed a short comment from a European perspective: "We witness the younger generation of fund selectors (of course not all, but many) taking different views on how to live up to their role and question why certain things are or have always been done in a specific manner. First of all, unsurprisingly, they tend to make more use of video interaction and video interviews, rather than insisting on in-person visits. Fund manager interviews are also often shorter, more to the point. In general terms, we feel their focus on efficiency and effectiveness is more pronounced than with many of their veteran peers. Many are also more open to a broader and sometimes different way of data sourcing. Some have even some programming / coding skills which can be very helpful to fast track quant analysis and to go beyond the usual data points." Many thanks for the feature Óscar Rodríguez Graña #fundselectors #fundbuyers #funddistribution #assetmanagers #accelerandovlc

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Life hack for entrepreneurs in Spain on saving on health insurance. Continuous education and updating of knowledge are necessary in insurance. Today I completed a course by AXA on health insurance for micro and small businesses. Such a policy can cost 2-3 times cheaper than a regular individual one, while providing the same coverage (with a few exceptions). The cost of the policy does not depend on age, unlike individual insurances. For example, my AXA Optima Plus policy would be half the price if the policyholder were not me as an individual, but our company. The minimum number of people in the policy is 5, but as an exception, you can request consideration of an application for 4 people. Even if you are self-employed and have a spouse and 2 children, you can already qualify for such a policy. Benefits for the company: Tax benefits: the amount paid by the company for each person (employee, spouse, and children) will be deducted as "other social expenses. Advantages for the insured: Affordable price, which is impossible to obtain when arranging a policy for an individual. If the payment made by the company does not exceed 500 euros per year per family member, these payments are not subject to personal income tax. To prepare an individual proposal, write to us at victoria@how2spain.com.

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Today we witnessed the signing of a cooperation agreement between ACEDE (Asociación Científica de Economía y Dirección de Empresas) and the British Academy of Management. This agreement will provide new development opportunities for academics from both associations based on shared values. We can announce that we are already working on an initiative to promote research stays and collaborations in project applications, as well as exploring ways to intensify interactions between our respective divisions. Stay tuned for more details! Many thanks to Katy Mason, Emma Parry, and Madeleine Barrows for driving with Carmen Cabello Medina and Xosé H. Vázquez this agreement. #Cooperación #Investigación #Colaboración #ValoresCompartidos #ACEDE #BAM #Economía #DirecciónDeEmpresas #DesarrolloAcadémico #ProyectosDeInvestigación #Innovación

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The CEOs of artificial intelligence heavyweights Google DeepMind, Microsoft AI, Anthropic and Mistral AI are among the elite list of business and political leaders attending a secretive meeting kicking off in Madrid, Spain, on Thursday. The tech chiefs will be joined by business executives including Citigroup CEO Jane Fraser, former Google CEO and chair Eric Schmidt, Pfizer CEO Albert Bourla, Shell CEO Wael Sawan and investor Peter Thiel for wide-reaching talks spanning trade, finance and biology. Key topics up for discussion at this year’s meeting were published by its organizers Thursday, providing an insight into what it deems the most pressing issues on the international agenda: ▶️State of AI ▶️AI safety ▶️Changing faces of biology ▶️Climate ▶️Future of warfare ▶️Geopolitical landscape ▶️Europe’s economic challenges ▶️U.S. economic challenges ▶️U.S. political landscape ▶️Ukraine and the world ▶️Middle East ▶️China ▶️Russia #bilderberg

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Yesterday we participated in an insightful session at IESE Business School exploring the complex landscape of #ethical challenges in #AI. The discussions were thought-provoking and highlighted the difficulty of balancing technological advancement with ethical responsibility. While the session provided valuable insights, it also left us with many questions to reconsider and address as we move forward in this rapidly evolving field. The ethical landscape of AI requires continuous reflection and proactive measures to ensure that these technologies benefit society as a whole: - How can AI development and deployment respect and uphold human dignity in an era of increasing automation? - In what ways can AI be designed to complement rather than overshadow human creativity, ensuring that innovation remains a uniquely human endeavor? Thank you, Prof. Sampsa Samila and Prof. Antonino Vaccaro for leading this topic. Thank you Nuria Chinchilla for the great conversation as always. Alex-Santos Fernández Gensana was nice to meet you and good luck with your projects. #AIEthics #HumanDignity #HumanCreativity #IESE #TechResponsibility #FutureofAI #AI

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