Finance 2024, November
Gone are the days when all school receipts depended on the Ministry of Education. Now the school is placed in conditions where it can "earn" money itself. Much depends on the entrepreneurial ability of the school principal; a school can be a profitable business project
The effective interest rate represents the actual overpayment for a bank loan. Unlike the interest rate established for the loan, it includes various commissions, fines, penalties, insurance payments. Instructions Step 1 When applying to a bank for a loan, a client first of all pays attention to the interest rate that is offered to him for certain types of loans
Value added tax stands out among all other taxes. Citizens of the Russian Federation, purchasing this or that product in a store, pay VAT without thinking about this fact. What is VAT VAT is value added tax. Its meaning lies in the withdrawal to the budget of a part of the increase in the value of goods (services) at all stages of their production and sale
The interest rate is applied for any type of loan and can be indicated for different periods - for a month, quarter or year. Usually banks issue loans with an indication of the annual interest rate, but the payment for the same amount borrowed at the same interest rate may be different, since payments can be differentiated and annuity
Money plays an important role in the life of a modern person, and sometimes there are situations when it is simply necessary to find additional funds, but there is no desire to resort to the help of banks. In this case, a loan from friends, acquaintances or relatives can help
Modern companies widely use all kinds of intangible assets in their activities. Over time, they lose their useful qualities or are subject to obsolescence. In this case, they must be written off from the register, moreover, this operation is accompanied by the preparation of supporting documents and entering the corresponding accounting entries into the database
When buying an apartment for ourselves on a mortgage, we often ask ourselves the question - is it possible to return part of the amount spent on the purchase of housing? You can, because it doesn't matter whether you bought an apartment with your own money or took out a mortgage
Sometimes there are cases when the buyer, who has entered into an agreement for the purchase of an apartment (meaning a new building), goes to its termination. There must be good reasons for terminating this contract. The main reasons for termination are usually a delay in construction or violation of the terms of the contract
To solve the current financial difficulties, there is nothing better than taking out a loan. However, it is worthwhile to analyze the situation from all sides so that the loan debt does not add to your difficulties. Currently, Samara banks offer a variety of loan programs aimed at meeting various goals
A construction loan is usually taken by individuals who are looking to transform their home or build a new one. There is no single target program for obtaining such a loan in banks, since this market in our country is not yet developed. Credit organizations are afraid of the risks associated with the issuance of loans for construction, since in this regard, prices are rather volatile
You can get a loan not only from a bank, but also borrow money from individuals. In order to avoid further problems and misunderstandings, it is necessary to correctly issue a loan by drawing up a notary agreement or a written receipt. It is necessary - a handwritten or notarized contract
A credit card, unlike a debit card, allows you to use funds that its user does not currently have. The money is taken on credit, they have to be returned to the bank with interest. Quite often, a credit card holder, having paid off a loan, thinks about how to refuse it
The debt burden of Russians is steadily growing, and this is happening both due to an increase in the number of borrowers and the number of loans issued to them. So, every 14 borrower has three or more loans. Why do you need to combine several loans into one You can combine several loans into one by using the refinancing service
A person can get into a situation where the lack of money becomes a problem. At the same time, he makes attempts to borrow funds from friends, take a loan or write a receipt for the amount of debt. At the same time, sooner or later, by oral or written agreement, the borrower is obliged to repay the debt
Today it is difficult to imagine a person who at least once in his life did not use or does not plan to use a bank loan. Almost all banks issue loans not only in one day, but also in one hour. A person only has to submit two documents. It can be a passport of a citizen of the Russian Federation and TIN or a driver's license and TIN
Sberbank cardholders can manage their accounts, conduct banking transactions via the Internet. To do this, you need to connect the Sberbank Online service, you can do this at the bank or from home, from your phone or computer. When issuing a card, Sberbank concludes an agreement with the client, and the online banking system is automatically connected
Bad debts are the debts of an individual or legal entity declared bankrupt that does not have sufficient property to pay off the debt, as well as the debts of a deceased person or a person declared incapacitated, missing. In addition, those debts for which the statute of limitations has expired are considered hopeless
Interest-free loans are a relationship with a commitment direction. The existing form is regulated by the loan agreement, as well as by the Civil Code of the Russian Federation. The party that transfers the funds is the lender, the party that receives the funds or other property, if specified in the agreement, is the borrower
The material balance is an economic table that describes the production, as well as the distribution of the main types of manufactured products in kind. This document serves as one of the main tools in the formation and planning of natural-material relationships in state plans for economic and social development
When a person takes out a loan, in most cases he is offered two payment options - annuity and differentiated. They differ from each other in the principle of principal repayment and interest payments. It is important to understand that each of these options can be beneficial under certain conditions
Webmoney has become a universal currency that perfectly replaces real money. But to transfer money from one e-wallet to another, you must first have them in your e-account. A Webmoney wallet is replenished using a Webmoney card, exchange offices, bank branches, payment terminals, Visa or MasterCard cards and SMS messages
Today, most people are used to taking loans for everything they need for life. As a rule, it all starts with small consumer loans for household appliances. Then the first car is bought. A little later, such a long-awaited housing. And at the very end, a number of credit cards are opened, the limits on which are ultimately completely selected
The problems of the dollar, the strange policy of the Fed and the growth of the Chinese economy will sooner or later turn the yuan into an international reserve currency. Scientists are confident that this will happen in this decade. What is yuan Yuan (UAH) is the modern currency of the People's Republic of China
Borrowed money from a private person should be taken with the obligatory execution of a loan agreement or an ordinary receipt. It should be noted that when applying for a loan by drawing up a receipt, relations with the lender will be regulated by the provisions of civil law
Few bank customers know that they have the right to refuse loan insurance after receiving a loan. Loan insurance is a voluntary service, but banking institutions often impose it and add it for their own benefit when concluding a client agreement
If, during the divorce, the former spouses managed to agree on the procedure for calculating alimony, this is an ideal situation. But this is not always the case. One of the controversial issues is the accrual of alimony for a child if a loan is taken from the alimony father
Often, after taking out a loan, the question of refinancing it in the same bank arises. Changing conditions, reducing the amount of payments - all this greatly worries borrowers. Does the financial institution provide such services and are they so beneficial?
Bank cards are actively used by the population to pay for goods and services, salaries are charged on the cards, and therefore it often becomes necessary to check the balance of a bank card. It is necessary Bank card, pin code, code word, passport data may be required
A credit card is not only a means of obtaining a loan, but also an opportunity to make a profit in the form of bonuses, miles or rubles. It is very unusual to use a credit card to earn money, and many do not even know about such an opportunity
Tax accounting is a system for collecting and summarizing information from primary documents, which is used by a taxpayer to determine the tax base. The tax accounting system is determined by the organization independently and is fixed in the accounting policy
The Kukuruza card allows you to pay for goods and services and receive bonus points for this, which you can use to pay for purchases. It can be issued as debit and credit. It is necessary - passport of a citizen of the Russian Federation
When transferring money to another country, the main parameters that are worth paying attention to are the cost of services and delivery times. To make a transfer to France from Russia, there are a number of ways that are most beneficial. Instructions Step 1 The easiest way is to send money using a bank transfer
When choosing a deposit, the owner of funds is often guided by the size of the interest rate. However, it should be borne in mind that the total profit on the deposit may be slightly lower if you have to pay tax on it. It is necessary - calculator - Ordinance of the Central Bank of the Russian Federation of September 13, 2012 N 2873-U "
Personal income tax (PIT) is a direct tax levied on the income of individuals. Chapter 23 of the Tax Code of the Russian Federation (Tax Code of the Russian Federation) sets out in detail the procedure for calculating and further paying personal income tax
Almost all of us have to deal with paying taxes during our lives. Often the taxpayer is faced with the question of how to correctly calculate the amount of tax to be paid. Despite the complexity of tax legislation, let's try to understand this issue
LLC (Limited Liability Company) is one of the most common forms of ownership. Its popularity is based on such an advantage as the choice of the taxation system. The amount of taxes paid depends on her choice. Currently, there are 4 tax systems in use in Russia:
Many are worried about the safety of accumulated funds, whether it is significant savings or small amounts intended for everyday expenses. Anxiety also arises in cases when it is necessary to purchase currency or transfer money from one currency to another
In a period of economic instability, you need to think about how to secure your savings and avoid financial problems. In what currency to take out a loan? Recently, some banks refused to give loans in foreign currency - only in rubles
Due to the theoretical possibility of easy money making, the international Forex market attracts millions of traders from all over the world. However, in practice, very few manage to make money. How to trade on the Forex market so as not to be at a loss?
It is impossible to learn how to trade in the foreign exchange or stock market in a few days and become a professional trader. Like any profession, trading requires knowledge and experience. It is not so easy to learn the profession of a trader, this is due to the presence on the Internet of a huge amount of unnecessary, and sometimes frankly false information