Finance 2024, November
Accountants constantly have a question - how to correctly calculate sick leave benefits, taking into account all the latest changes and not to miss anything. And changes in the calculations are made at least annually. It will be useful to learn about the procedure for calculating sick leave in 2011 for each of us
Counterfeiters appeared at the same time as money. Over the years, their skills have evolved, and no matter how many layers of protection modern banknotes have, modern counterfeiters imitate any of them very convincingly. However, the counterfeit bill can be identified
In its most general form, two taxation scales can be distinguished - flat and progressive. What are their main differences, advantages and which one is more advantageous? Flat scale of taxation. Advantages and disadvantages A flat scale means that all taxpayers pay tax at a flat, flat rate, no matter what income they receive
Trade unions in enterprises and organizations are collective bodies that protect labor and professional rights and interests of workers. The trade union interacts with employers on the basis of a collective agreement signed by both parties. The tasks of the trade union include, among other things, improving working conditions, raising wages, and obtaining social guarantees
If you are dealing with EU currency, there is always a risk of getting a counterfeit banknote. To avoid losses and other related troubles, it is important to know how to distinguish genuine euro banknotes from counterfeit ones. It is necessary - the Internet
The RTS Stock Index (RTS Index) is a key indicator of the state of the Russian stock market. It is calculated based on the performance of a set of securities since 1995 and started at 100 points. The essence of the RTS index The calculation of the RTS index is based on the shares of the 50 most liquid issuers from key sectors of the Russian economy
Each country issues its own national currency, so the funds of different countries differ in size, shape, patterns and methods of protection against counterfeiting. Money in Russia is no exception, its appearance is the result of a long systematic work of specialists from different industries
Banknotes in any country in the world have always been forged by counterfeiters. Counterfeiting technologies are now quite advanced, and at first glance, it can be difficult to distinguish a counterfeit bill from a real one. However, upon closer examination, you can determine where the real rubles are, and where the fake
An unusual gift can be a prepaid gift bank card. A gift or prepaid bank card is a bank card of the MasterCard and VISA payment system that has a specific denomination, which must be paid when purchasing a card at a bank office. The value of the gift card can be from 1000 to 15000 rubles
Usually, gift certificates are given when they just do not know what to give. Such a ticket gives them the right to pay them for goods instead of money within the amount indicated on the coupon. According to the rules, such a gift cannot be exchanged for money
The declaration of income in the form of 3NDFL can be submitted in three ways: personally take it to the tax office, send it to the inspectorate by mail, or transfer it via the Internet using the Gosuslugi.ru portal. In the latter case, you will have to personally visit the tax office to sign the paper version of the declaration
The reporting document for payers of personal income tax is a declaration of the 3NDFL form. It should not be submitted by those who receive income through tax agents (under labor and civil contracts) and who have sold property that has been owned for more than 3 years
The declaration of income is mandatory for individual entrepreneurs without the status of a legal entity, private notaries and lawyers, persons who receive income abroad, who have won a lottery, competition, casino, as well as for those who have sold or leased their property
A virtual Visa Virtual credit card can only be used for payments in the global network. With its help, you can make purchases of goods on various sites, book tickets and hotel rooms, and also pay for it on foreign resources, where domestic credit cards are not accepted for payment
After purchasing a watch, for some reason you may want to return it. The legislation gives consumers such a right, however, for this, a number of conditions must be met. Instructions Step 1 Find out if you are legally able to return a specific watch
Mobile operators are actively fighting for their customers and are offering new promotions. The bonus program allows you to receive free minutes, sms and mms messages, as well as internet traffic. It is necessary - sim card; Instructions Step 1 To receive bonus points, subscribers of the mobile operator Megafon only need to purchase a sim card
In connection with the low birth rate, the question arises of creating additional income for citizens. In this process, the role of NPFs and specialized insurance companies is important. Correct management of NPF money will ensure a decrease in inflation and, as a result, an increase in pensions
There are situations in which a person is in dire need of money on a plastic card. For example, you need to go on a business trip or buy a last minute ticket. And he doesn't have a map. Those. you need to issue a bank card in a relatively short time
Credit cards differ from settlement cards in that the balance on the accounts assigned to them includes not only the client's own money, but also the credit limit provided by the bank. Therefore, the selection of clients wishing to use this product is stricter:
An ATM is a software and hardware complex that is designed for automated receipt and issuance of cash. All transactions take place with or without payment cards. The ATM is connected in a specific sequence. It is necessary - ATM
Doing business in modern conditions cannot be imagined without the implementation of non-cash payments, and the salary has not been given out at the cash desk at the place of work for a long time. To open a bank account in Moscow, decide for what purpose you need it
Issuing bank or bank of issue - a bank that issues money, securities or payment instruments - bank cards, check books. Banks that issue money The issuer of money in the country is mainly central banks. Under Russian law, the money is issued by the Central Bank of the Russian Federation
Sberbank ATMs are one of the most popular services used by the clients of this financial institution. Like any complex technical devices, they may not work correctly, thereby creating inconvenience to users. In such cases, it is even advisable to complain about the Sberbank ATM so that employees can start fixing the problem as soon as possible
The concept of the market is quite multifaceted. It cannot be given an unambiguous definition. On the one hand, the market is a collection of individual consumers that determine consumer demand, which is formed as a result of the combination of many factors:
Bonds are debt securities. The bond certifies the loan relationship between the owner of the security, who is the lender, and the organization that issued the bond (the borrower). As an investment object, a bond can bring a certain income to its owner
The State Central Bank of the Russian Federation is a structure independent of the administrative and executive bodies of state power that performs specific tasks. It ensures the stability of the national currency and is responsible for the development and functioning of the entire banking and payment system of the country
If you doubt the authenticity of your credit card, and you don’t want to go to the bank branch once again, then there is a way by which you can determine at home whether your card is real or not. It is necessary Credit card, piece of paper, pen, calculator
The velocity of circulation of money is the frequency with which each currency is used to sell goods and services for a certain period of time (year, quarter, month). In other words, it is the number of revolutions made by money in circulation and used to buy finished goods and services
Opening a US bank account is a matter of reliability and prestige. If you have stopped your own choice on a particular American bank, then you need to be aware of some of the difficulties that may accompany this procedure. It is necessary - Passport
According to Russian law, any adult citizen has the right to open deposits in a foreign bank. This is not easy to do, but this does not stop many Russians. If you set out to invest in a foreign bank, it is important to make the right choice
The main feature of the German banking system is the prospect of a foreigner opening an account in a local bank is determined not by the legislation of the country and often not by the policy of a particular credit institution, but by the personal position of an ordinary employee
A bill of exchange is a type of debt obligation, which is drawn up in the prescribed form and allows you to demand the payment of a specified amount at the end of the term. Operations on promissory notes are reflected in the accounting of the enterprise on separate sub-accounts and are accounted for as part of the drawer's expenses
A bill of exchange is a security that confirms the monetary debt of one person to another. When writing out a bill, the debtor, as it were, provides a "IOU" to the creditor. If the drawer himself is at the same time the creditor of another person, he may demand to pay the debt not to him, but directly to the creditor, that is, to a third party
In the event of the formation of overdue accounts payable, the company can repay it by issuing a special financial or trade bill. At the same time, the company that holds the bill of exchange is faced with the need to post this document in accounting
A promissory note is a document issued in a prescribed form that defines the unconditional obligation of the drawer to pay a specific amount of money to the drawer within the specified time frame. A company issues a bill of exchange when it is unable to pay its monetary obligations and wants to defer the date of actual payment
Money transfers are a convenient form of transferring funds that can be carried out through any commercial bank or post office. Sending a money transfer is carried out quickly, due to which this form of money transfer is in demand among the population
To open an ATM to profit from transactions, you must have a business permit. And it is also worth completing a number of important steps to organize this type of business. It is necessary - permission from the tax office; - bank account
Opening a bank account is implied by many credit products that you can use: bank cards, deposits, loans and a number of others. Therefore, it is better to proceed from the one that interests you. There are, however, and current accounts that are not tied to these banking products
Before opening an account, you need to decide on the purposes of its use (accumulation of money, transfer of salaries or pensions, etc.). An important point is the correct choice of the bank, it must be reliable and stable. How to choose an account for individuals A huge number of banking organizations are represented on the market today
When opening a bank account, you will not be able to do without a visit to the branch of a credit institution or at least a meeting with its employee. However, in some banks you can reserve an account via the Internet, get its number and even immediately accept payments to it