Finance 2024, November
In the initial period of operation, the budget is considered as a plan or standard; at the end of the period, management can determine the effectiveness of actions and draw up a specific action plan to improve the company's performance in the future - such an action serves as a means of control
In the process of economic activity, some heads of organizations are trying to attract investors, for this purpose, increasing the authorized capital. This can be done in several ways, each of which has its own advantages and disadvantages. Instructions Step 1 In the event that you want to increase the authorized capital at the expense of funds invested by the members of the company, you must remember that the contributions must be made no later than two months
An invoice is a document in accounting that certifies the actual shipment of products or the provision of services to an organization. This document is drawn up in two copies (for the supplier and the buyer) and is accompanied by other documents, for example, a consignment note, an act of rendering services and others
Maternity leave, as well as childcare for up to one and a half years, is granted to every woman on the basis of the Federal Law “On Provision of Temporary Disability Benefits” and Articles 255, 256 of the Labor Code of the Russian Federation
If you decide that you want to make more money than before, then a bookmaker is a good option to multiply your funds. Or, conversely, lead you to bankruptcy - if you behave rashly. Taking this into account, take the matter reasonably and seriously
Mutual settlements between organizations and enterprises that have been working with each other for a long time are often very complex. So, part of the production can be sold in advance, the other under the already purchased other goods, part - to cover the amount of the previously issued debt, etc
The tax inspectorate has the right to subject entrepreneurs using the simplified taxation system to scheduled inspections once every three years. In this case, the book of income and expenses will be requested among other reporting documents
In accordance with article 256 of the Labor Code of the Russian Federation, the employer is obliged to provide a woman with parental leave until she reaches the age of three. During this period, the woman should receive a monthly allowance. Instructions Step 1 According to the law, the child benefit is calculated based on the average salary of the mother or father for a child up to one and a half years of age
Many citizens are faced with the question of how to fill out personal income tax 3 of the new form. It's actually quite simple, you can do it yourself and for free. This publication contains guidelines to help you understand the answer to the question posed
It is customary to call a broker account a special agreement between an investor and a brokerage company that has a license. Investors are given the opportunity to place their funds on the company's deposit accounts. Brokerage account concept An investor can deposit funds into the account of a brokerage company only if there is a certain agreement between him and this company
They asked you to borrow money - a decent amount, which it is a pity to part with forever. You have it and you are ready to give. But how to get the money back and solve the problem peacefully? A receipt is proof. But on the basis of the receipt, the bank will not write off the money from the debtor's account
"To give in debt - to lose friendship." This saying, unfortunately, has real grounds. But if you do decide to lend money to a relative or friend, do not hesitate to protect yourself from financial losses in advance. To return the amount, and even with interest, when concluding a loan agreement, it is necessary to provide for several essential points
Every year, residents of Russia and the CIS countries increasingly use bank plastic cards in their daily life. Methods of issuing credit cards are improving, more terminals, ATMs appear, where a bank card can be used. Youth Debit Card Youth Debit Card is a banking product created especially for young plastic card holders
An interest-free loan agreement is a rather rare type of a loan agreement and is used mainly between individuals who are related by kinship or friendship. It is also issued at enterprises when it is necessary to deposit the participant's funds without paying taxes
Theoretically, it is not difficult to make money on foreign currency, for this it is enough to have a certain amount of money and knowledge. Banks offer not only the opportunity to enter the foreign exchange market, but also a loan for conducting foreign exchange transactions
The gradual rise in inflation, as well as the subsidence of the ruble, lead to the fact that family incomes are decreasing. Apart from many other problems, low incomes do not allow servicing loan products. And those who have loans are trying to find a solution to the problem of paying them
Today, plastic cards are a common household item for almost every family. The procedure for issuing bank cards has been simplified to a minimum, and in 30 minutes you can become an owner, otherwise a cardholder, of one of them. But how can you choose the one you really need from the variety of cards offered by banks?
The term "budgeting" entered the Russian economy relatively recently, in translation from English it means "planning". Budgeting is the process of drawing up and adopting a system of financial plans of an enterprise, which is based on the delegation of financial responsibility to planning entities within the enterprise itself
Every citizen of our country can use the right to a property tax deduction 1 time. This right will allow a refund of 13% of the value of the purchased property And if an apartment or house was bought with a mortgage, then you can also return 13% of the amount of interest paid on the loan
By purchasing housing on a mortgage loan, a citizen can get thirteen percent of the amount paid back. To do this, you need to submit documents confirming the fact of purchase and sale, ownership, the fact of payment, as well as fill out a property deduction declaration and submit it to the tax office
By paying interest to the bank on a mortgage loan, part of such interest can be returned, receiving a so-called tax deduction. This is a deduction for personal income tax, that is, an opportunity to return taxes that were withheld from you. It is necessary A completed 3-NDFL declaration, a certificate from the employer 2-NDFL, documents on the purchase of housing and a certificate from the bank
The indicator of the business activity of the enterprise is the capital turnover and its dynamics. A high turnover rate indicates an effective management policy and competent business conduct. It is necessary - balance sheet (form No
When applying for express loans with a minimum package of documents, borrowers rarely delve into the terms of the loan agreement. The main reason for this neglect is the urgent need for borrowed funds and the lack of time. However, it is precisely this inattention when signing loan documents can subsequently bring a lot of problems to the borrower
The choice of the bank in which you will take out a mortgage depends on how favorable lending terms will be offered. When choosing a suitable bank, you need to consider the following. Instructions Step 1 First of all, pay attention to the mortgage interest rate
Gaining access to credit is essential for a business. After all, this allows us to ensure the sustainable development of the company, as well as expand areas of activity and enter new markets. However, to obtain a loan for a legal entity, you will need to provide an extensive package of documents
In the process of doing business, entrepreneurs and companies often need to attract borrowed funds. They may be required to implement investment projects or to replenish working capital. Types of loans for organizations Before obtaining a loan, an organization needs to decide on the most optimal type of lending
Mobile communication is a very useful tool in everyday life. We are so used to it that we cannot part with the phone for a minute. In this regard, many are looking for various ways to reduce their costs of communicating with friends and acquaintances
The most exciting question when applying to a bank for a loan concerns its maximum amount. The fundamental approach to its definition for each potential borrower from commercial banks is the same. However, each credit institution may have different ratios relative to the income-payment ratio
Article 23.1 of the Law of the Russian Federation "On Protection of Consumer Rights" provides for the possibility of refunding an advance payment for goods. To do this, you only need to correctly conclude an agreement. Instructions Step 1 Be sure to draw up and sign a contract for the purchase of goods with an advance payment
Currently, lending services of banks are very popular among the population. Thanks to the loan, the time required to meet various needs: economic, financial and consumer is significantly reduced. Instructions Step 1 You should know that banks offer such a service as a loan without guarantors and income certificates
To protect itself, the bank may make it a condition of obtaining a loan to provide a guarantor - a person who will pay off the debt for you if you cannot do this. Finding such a person can be difficult. But there are opportunities to get a loan without attracting the obligations of third parties
Today, almost every person has an urgent need for a loan of funds. A way out of this situation can be the execution of a loan or credit agreement in writing or orally. You can borrow money from relatives or friends. You can conclude such agreements with a credit institution
Financial statements are considered an integral part of any analysis of the enterprise. This reporting allows you to form conclusions about the performance of individual departments of the organization and its activities in general. In order to draw up financial statements, you must adhere to a certain sequence
Some accountants are afraid of tax audits. In fact, this process is not that terrible. Working in the organization, I passed it. And honestly I don’t know what’s so terrible. Yes, maybe your accounting is not quite orderly, maybe you miscalculated taxes, but this is not the end of the world
Depo accounts are required for accounting, storage and operations with securities, as well as for exchange trading. They are open to individuals, legal entities and individual entrepreneurs. It is necessary For all clients: - application for opening a depo account
In the Russian Federation, tax accounting is organized in such a way that each taxpayer is assigned a unique identification number, which makes it possible to streamline information about taxes paid by him. Therefore, taxpayers are not only required to know what a TIN looks like, but also to take all the necessary steps to obtain it
Often there is a need to find out the values of the exchange rate of one currency relative to another. In principle, converting currencies from one to another is not difficult, but taking paper and a pen, or even a calculator for this, is not always acceptable and convenient in our fast-paced electronic age
A budget deficit is an excess of the expenditure side of the budget over the revenue side. With a budget deficit, the state does not have enough funds for the normal performance of its functions. Ideally, any budget level should be balanced
All facts of the economic life of any organization are reflected in the balance sheet. At the end of the reporting period, the turnovers are calculated for each account and the balance at the end of the period. In order for the balance to come together, it is necessary to reconcile the records of analytical and synthetic accounting
The solvency of an enterprise means the possibility of timely repayment of existing obligations and debts for a certain period of time. There is a special procedure for calculating this indicator. Instructions Step 1 Determine the basic solvency ratios of the enterprise