Finance 2024, November

In order to receive money from the bank using a checkbook, you must fill in the check correctly. There are certain rules for filling it out. Even a slight deviation from the rules will not allow you to receive money by check. Banks' requirements for filling out a check are much broader than those presented in the filling instructions on the checkbook itself

Targeted financing is funds received by an organization from budgets of various levels, from legal entities and individuals, for strictly defined purposes. Accounting and tax accounting of targeted financing is maintained in accordance with certain requirements

Value added tax is a mandatory payment to the budget, which is charged on the amount of the increase in the value of the purchased goods. The process of calculating this value is quite laborious, therefore, in a number of large enterprises, a separate accountant is engaged in this issue

Safe deposit box is an individual bank safe, which the bank rents out to its customers to store valuables. It is also possible to use a safe deposit box when transferring valuables under contracts of purchase and sale. To carry out the procedure for renting a bank safe box, you need to personally contact the bank with an identity document (passport, driver's license, military ID)

If you are sure that you or your relatives have bank accounts, then you will be able to obtain information about them only in exceptional cases. In the charter of any bank there is a clause on banking secrecy, so access to information is prohibited for random people

Every month, receipts for electricity, gas, water, and heating come to the mailbox of each family. It is easy to get confused in the mass of these papers. In addition, you need to stand in line at Sberbank on a monthly basis and eventually pay a commission to a financial institution

Expenses in accounting is a decrease in profit through the disposal of assets of the organization, for example, cash or the appearance of any liabilities to other organizations. Instructions Step 1 The costs associated with the production of products are divided into direct and indirect

When you need to add a percentage to a number, you can use one of three simple ways. Which method to choose depends on the availability of additional symbols in the calculator. Adding percentages to a number on a calculator is easy if you know how

Today, the use of bills in financial transactions is becoming more common. This document allows you to quickly attract funds, it is easier than applying for a loan. A bill of exchange is a security that contains a written promissory note. It is important that only cash can be the subject of an obligation under it

The convenience of checkbooks is certainly undeniable, but sometimes getting money from a check in a bank is a real challenge. Since there is no single set of rules for filling them out, the following instructions will help you do it as correctly as possible

The limitation period for accounts payable is the time period during which the lender has the right to collect funds from the borrower in accordance with the law, including by going to court. The term “limitation of actions” means the period during which a person (or organization) whose right has been violated can, in accordance with the law, within the framework of a loan agreement, apply to a court to collect a debt from a borrower

The issues related to property damage are varied, because damage can occur both in traffic accidents and flooding of residential premises or as a result of committed crimes. But there are common features of reimbursement and valuation that link all of these cases

On October 1 of this year, the law on the bankruptcy of individuals came into force. What a person needs to know in order to make a decision - to use this law if creditors are constantly knocking on doors, or to solve problems in a different way … In short, the bankruptcy law provides for the possibility of a citizen declaring himself bankrupt if the debts are more than 500 thousand rubles, and the delay in payment is more than 3 months

Renting things, especially expensive ones, is a rather convenient service. Instead of paying a large sum for an item that will be needed for a short time, you can simply rent it and leave something as a deposit. Rental points Before renting an expensive item, you need to decide on the rental point

Borrowing money, you can face the risk of loan defaults. It is recommended to draw up a pledge agreement to provide a guarantee of the fulfillment of debt obligations to repay the loan. In this case, the property can be transferred to a mortgage or remain with the borrower during the entire term of the agreement

When returning goods of inadequate quality, or more simply - defective, the seller is obliged to return the money to the buyer, as prescribed in Art. 18 of the Federal Law "On Protection of Consumer Rights". The law also allows that, in case of doubt, the seller is obliged to pay for an independent examination and make sure that the goods were damaged through no fault of the buyer

According to the Federal Bailiff Service, the debts of our compatriots are only growing. General figures The Federal Bailiff Service (FSSP) provides disappointing statistics: the debt of Russian citizens to banks has once again increased and in the first half of this year amounted to about 2 trillion rubles

Taxes and fees payable to budgets of various levels are assessed both by the taxpayer himself (when declaring income) and by the relevant services. Until recently, information on the timing and amount of payments could only be obtained by direct contact with the department of the Federal Tax Service

No organization can conduct its work without any accounting documents. They regulate business transactions, accounting and other operations. Such documentation differs in purpose (exculpatory, accompanying and others), content (monetary, settlement), in the order of filling (manual and automated)

A significant part of the company's workflow is made up of accounting documents, which are material carriers of information about the economic activities of a commercial organization. The quality of accounting in the company depends on the correctness and timeliness of drawing up accounting documents

To compare two samples taken from the same population, or two different states of the same population, the Student's method is used. With its help, you can calculate the reliability of differences, that is, you can find out if the measurements you can trust can be trusted

You can get a TIN for an individual through State Services in two ways. Holders of an enhanced electronic signature may not attend the inspection at all. All other citizens submit an application through the website, and then take the finished document to the Federal Tax Service

A donation agreement is a transaction that implies the free transfer by one party (donor) of any property to the ownership or property right to the other party (the donee). The concept, conclusion and legal consequences of a donation agreement are determined by Art

The period for which the tax office checks depends on the type of check. The maximum terms that can be fixed in the decision to conduct a tax audit are determined in the Tax Code of the Russian Federation. Organizations and individual entrepreneurs are periodically subject to inspections by tax inspectors, who, by virtue of their official activities, are obliged to control the correctness of the calculation and transfer of tax payments to the budgets of different leve

Inflation is a process of the general level of price increases and a decrease in the purchasing power of money, leading to the redistribution of national income. In a modern economy, inflation is generated by a number of factors. First, due to the wrong monetary policy of the central bank, an excess amount of money, not backed by goods, appears in circulation

The single tax is paid by individual entrepreneurs and organizations using a simplified taxation system. It can be charged at the rate of 6% from the amount of income or at the rate of 15% from the amount of income reduced by expenses. Instructions Step 1 Record tax indicators on an accrual basis throughout the year in the Income and Expense Book

The tax period of the organization depends on the taxes that it must pay. This, in turn, depends on the taxation system applied by it (general or simplified) and a number of other factors, for example, the presence on the balance sheet of assets such as real estate and transport, from which the corresponding taxes are paid

As a rule, accountants are well aware of what to do in the event of an underpaid tax and how to solve the problem without incurring penalties. However, few know how to properly return the amount in case of an overpayment. This operation is associated with certain bureaucratic procedures and requires care and time

Penalty is a sum of money. It must be paid by the taxpayer if he has not paid the due fees or taxes on time. Moreover, the penalty is not punitive, but serves as compensation for the state for losses due to non-fulfillment of the taxpayer's obligations

Unfortunately, not all people manage to maintain a healthy financial situation. Utilities, groceries and other payments can leave only a small part of the salary. However, everyone can cope with this state of affairs. Instructions Step 1 Increase your savings

In the event of non-fulfillment or improper fulfillment of the terms of the contract, the enterprise is obliged to pay a penalty to the counterparty. This type of penalties is calculated in accordance with the accepted agreements or the rules prescribed in the relevant legislative acts

The heads of enterprises are sometimes faced with the need to obtain an extract from the USRIP, which reflects full information about the legal entity. This document may be required when obtaining a license, opening a bank account, obtaining a loan or when filing a statement of claim with an arbitration court

Taxes are those amounts that are paid by a person to the treasury on a regular basis. There are those that need to be deducted monthly, such as income. There are also those that are paid once a year - transport, housing, etc. In most cases, people remember about the need to pay tax duty only after receiving an envelope with a receipt by mail

The concept of "tax base" is introduced to obtain a quantitative characteristics of the subject of taxation. This quantitative characteristic is necessary for calculating the amount of tax, but it is not an object of taxation that is obliged to pay tax

Sometimes it happens that accountants make mistakes when calculating and filling out a tax return. To avoid penalties, it is necessary to pay off the arrears in full in due time. As a result, questions arise about how to correctly reflect additional tax charges in accounting and tax accounting

Not every car enthusiast is conscientious about their fines. The situation was aggravated by the appearance of cameras on the roads and the distribution of receipts by mail, which does not always reach the addressee. You should not wait for bailiffs on the doorstep, it is better to find out about your fines in advance and pay them

Structural unemployment is due to structural changes in the economy. Most often this is due to the processes of modernization and innovation in various areas of the economy and agriculture. These processes make many obsolete specialties and professions unclaimed

Thrifty doesn't mean greedy. Using your personal finances sparingly, you do not lower your usual standard of living, but spend it rationally. This is a science that can be comprehended and applied whenever it comes to the need for spending money

Electronic payment system "Yandex.Money" allows not only to pay for goods and services on the network, but also to cash out electronic money. Today this service is also available to residents of Ukraine. The ability to transfer Yandex-money into cash allows residents of Ukraine to make full use of this payment system

There is a category of people who constantly ask for a loan. Often these are relatives. It is difficult to refuse them due to blood ties, but it is no longer possible to continue giving money. However, you need to learn to refuse them. Some relatives ask for a loan so often that it gets boring