Finance 2024, November
By no means always a pregnant woman works in the office until the very decree, and sometimes even before childbirth. Quite often, it also happens that she is left without work and, accordingly, no means of subsistence in the first months of pregnancy
Depositing funds to the settlement account of an LLC under a loan agreement is a convenient way to replenish the working capital of an enterprise, which does not require an increase in the authorized capital and related formalities. To write off this debt, the founder and the LLC must enter into an agreement
To play at bets, it is enough to have a certain amount of money and be of age (depending on the regulations - 18 years old or 21 years old). There are also things to get rid of - excitement, greed and impulsiveness. If you are driven by these feelings in the betting game, you are more likely to lose money
Stock market transactions require certain knowledge and special skills. To correctly navigate the securities market, it is necessary to understand the concepts that determine their value. One of the characteristics of a share is its par price, which, unlike the market price, does not always reflect the real profitability of a given financial asset
Each bank in Russia sets the exchange rates independently, based on its own needs and taking as the base ratio the ratios fixed by the Central Bank of the Russian Federation. And besides the local exchange rates and the Central Bank rate, there are also ratios that develop in the international currency market Forex
Among the many banking services, the most popular among the population are various types of cash deposits. Funds transferred for a fee to a banking institution for a certain period on the terms of their return are called a deposit. In a modern economy, a deposit allows you to save money and protect it from depreciation
In the context of the ongoing threat of another wave of economic crisis, information on the behavior of major exchange rates can be a good tool for making financial decisions. Knowing what the ratio of currencies will look like in the near future or in the long term makes it possible to convert part of your savings in a timely manner
The norms of the current legislation establish a certain procedure for filling out and submitting the tax balance for commercial organizations and individual entrepreneurs working on a single tax on imputed income. To submit these reports, a declaration for UTII is used, the form of which is approved by order of the Ministry of Finance of the Russian Federation No
Electronic payments through Sberbank Online are so often used by Sberbank customers and are so convenient that not everyone attaches importance to the preservation of the confirmation receipt. But a check may be needed at any time, and you need to be able to save it
There are only 2 ways to find money: do not spend more than 90% of your income, or learn how to manage your money wisely. If you think that the problem is only that you are getting little, then this is the wrong conclusion. According to statistics, out of a hundred people who inherited or won $ 1,000,000 in the lottery, after 1 year, 90 of them have none of this money left
Remuneration for employees who have entered into an employment contract with the enterprise is made in cash. In accordance with Article 136 of the Labor Code of the Russian Federation, wages are calculated and paid at least 2 times a month with equal intervals of time
One of the factors affecting the cost is the level of staff salaries. This is a very important indicator that practically all heads of enterprises pay special attention to. Therefore, the issue of reducing wages is relevant for many managers
Reimbursement of VAT from the tax office is a rather lengthy matter and requires legal intervention. To achieve the return of the amount you need, carefully study the situation and immediately begin to defend your right. Instructions Step 1 Submit a declaration with the declared amount with a refund to the tax office, which must conduct an audit within a certain period, as a rule, this period is three months
According to the current tax legislation, enterprises that have made the transition to a simplified taxation system have the right to return the VAT paid on the import of imports. This right can only be exercised by importing firms whose business is inextricably linked with suppliers from abroad
Individual income tax at a rate of 13% is paid by all citizens of the country who have income in the form of wages, received cash bonuses, lottery winnings, inheritance from an indirect relative, etc. But there are cases when a taxpayer can receive an exemption for the payment of this tax or issue a tax deduction when part of the already paid tax amount will be returned to him after the provision of certain documents
Summarizing and grouping assets and liabilities in monetary value at a specific date is the balance sheet. Its indicators characterize the financial position of the company at the reporting date. Using the balance sheet, the management of the organization and the owner determine the amount of capital that is under his control
The balance sheet is a characteristic of the property and financial position of the enterprise as of the reporting date. It consists of two parts: an asset and a liability, which are closely related. It is necessary - balance sheet form No
The opening balance sheet is the first balance sheet of the enterprise, therefore it is drawn up at the very initial stage of production activity. First, you need to prepare documents that will reflect the content of assets and the receipt of contributions
Working in the Forex market is currently gaining more and more popularity. This type of activity can serve as both the main and additional type of earnings. Thanks to the development of information and computer technologies, you can trade on Forex without leaving your home, which makes it possible to work even for people who cannot move independently
In the process of economic activity, the heads of organizations must carry out an inventory of objects. This is done to ensure that reliable data are indicated in the accounting. As a rule, this procedure is carried out before the submission of annual reports, the change of the materially responsible person
A personal account is a document that reflects the accounting of settlements with legal entities and individuals. It is used in tax inspectorates, insurance, financial organizations, and government agencies. Filling out a personal account requires details, care when filling out, knowledge of certain indicators necessary to display information
The demographic component of the country is the leading problem for the national security of Russia, and analysts say one of the significant reasons is the decline in the birth rate. The usual reason for this is considered to be insufficiently favorable social protection for young mothers, lack of their own housing, and low salaries of parents
Acceptance of cash payments in "Sberbank" is carried out using forms of payment documents, in which must be filled in the details required for the transfer of funds to the destination. Instructions Step 1 Take the form PD-4 from the Sberbank branch - this is a form of a payment document that you can fill out on your own for any type of payment (except for payments sent to the budget)
Postings are a fundamental part of accounting. They reflect the financial and economic activities of the company for the reporting period and show the movement of cash, assets and fixed assets of the company. Based on the accounting entries, annual statements are drawn up and the balance sheet is determined
You can submit your income tax return in person, through a representative by proxy, or send it to the tax office by mail. In services specializing in the submission of reports via the Internet, such a service may be provided for this document as well
According to Chapter 28 of the Tax Code of the Russian Federation, all taxpayers who pay vehicle tax are required to fill out and submit a special declaration to the tax office no later than February 1. The calculation of the transport tax is given in section 2 of this edema
At the end of each reporting period, enterprises are required to fill out and file a profit tax return with the tax authorities. It consists of a title page, section 1 and several sheets and appendices. When filling out this reporting form, you must be extremely careful and careful, since most of the penalties are issued for mistakes made in it
According to the tax legislation of the Russian Federation, a citizen is given the opportunity to return part of the money spent on his own education or the education of his children, or, in other words, to receive a social tax deduction. It is necessary Application for a tax deduction Tax return Copy of the license for the provision of educational services Copy of the agreement on the provision of educational services Certificate of study at full-time
Overtime work, that is, work performed outside the normal working hours, is harmful to the health of the employee and the environment in the organization, therefore, the employer's obligation to pay overtime at an increased rate is prescribed in the labor legislation
It is not by accident that people become poor or rich. The level of well-being directly depends on the inner attitude. If you want to become more successful and richer, change your attitudes. Instructions Step 1 Change your thinking
Cash is the main instrument of settlements, the financial resources of the organization and the most liquid assets. Their competent management and systematic control of their movement ensure the stability of the company. Cash flow is a set of processes of receipt and expenditure of money on the settlement accounts of an enterprise
Using discounted cash flow analysis, financial analysts evaluate companies in terms of investment attractiveness. This allows you to get answers to very specific questions, for example, to determine the amount of investments in the project. How discounting cash flows is used Discounting cash flows is a valuation technique that determines the amount of future benefits
In the course of economic activity, the heads of organizations sometimes use a cash settlement system. As a rule, these transactions are carried out using the cash register. Like any cash flow, they must be documented and reflected in accounting
It is best to avoid getting in arrears by paying all bills on time. If it does appear, it is necessary to deposit the required amount in any possible way: in cash at the cash desk or through a bank, by transfer, through a terminal. The set of options for replenishing a personal or credit account depends on the organization to which you owe
Most banks, when issuing a large amount of loans, require the borrower to present a certificate of income in the form of 2-NDFL, in the form of a bank or in free form on the letterhead of the organization. The certificate must indicate the client's income for a period of 6 months
In the absence of a real idea of the material costs for the production of goods (cost), it is impossible to determine the profitability of production, which, in turn, is a fundamental characteristic for the development of business as a whole
Sometimes organizations enter into contracts for the purchase of goods, the provision of services or the performance of work with the provision of payment in the form of conventional units. Considering such transactions, accountants quite often face the problem of correctly reflecting the amount differences in accounting
To determine the material balance, an economic table is drawn up, into which data are entered that describe production and distribute the main types of products in kind. The calculation of this indicator allows you to analyze and draw up plans of natural-material ratios for assessing national capital
If an organization combines a simplified taxation system and a taxation system in the form of UTII, it is necessary to keep separate records of business transactions. With separate accounting, it is required to determine income and expenses that relate to different types of activities, and correctly separate the general indicators
Keeping money in the bank is still better than at home under the bed. At least the accrued interest will somehow allow you to protect your savings from inflation. In addition, in the event of a bank collapse, the state will return the invested money to you in the amount of up to 1