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Early planning for the generational succession of a family business is essential for achieving tax optimization and significant tax savings when inheriting shares of a family business or receiving them through donation.

Recently, the central government approved the ICO guarantees to facilitate the purchase of primary residences for young people under the age of 35 and families with dependent minors. This guarantee will allow financial institutions to grant mortgages of 100% of the purchase price, when the necessary income limit requirements are met.

Recently at Grup Carles, we renewed the Seal Aquí Assessorem l’Economia Social (Here We Advise the Social Economy), which certifies that we have undergone specific training in the social and solidarity economy. This training allows us to achieve fiscal, labor, and legal specialization in the cooperative model and certifies that we know, work with, and are networked with the cooperative movement and public administrations.

Whether consciously or not, people organize parts of their lives into projects. Using a general definition, a project is a temporary effort made to create a unique result. This broad concept encompasses everything from fulfilling a personal need, like planning a trip or buying a vehicle, to more complex operations such as starting a business.

In today's digital era, social networks have become an integral part of our daily lives. Facebook, Twitter, Instagram, and other platforms connect us with friends, family, and people from all over the world. However, as we share our lives online, it is essential to consider what we are willing to give up in terms of privacy.

The employment paradigm is changing radically. The younger generations—especially millennials and Generation Z—no longer seek only stable employment: they want to live well, have time for themselves, and devote themselves to meaningful projects.