Finance 2024, November

Bank loans have become an important part of Russians' lives. Indeed, they can provide an opportunity to immediately purchase a product or service for which you had to save up for years. At the same time, it is important to know the specifics of filing an application with the bank in order for it to be approved

Internet banking is being actively implemented on social networks. Now in Odnoklassniki and VKontakte you can not only read news and get answers to your questions, but also make financial transactions. Sberbank in social networks In September 2014, Sberbank of Russia launched a special application on the Odnoklassniki social network

We provide the reader with a detailed guide, in which the issue of how to find out the bank account number is considered in detail. It is necessary Bank account holder details Instructions Step 1 You can specify the bank account number in any of the offices of the bank, of which you are a client

A deposit is an amount of money that a depositor has deposited with a bank for a specified period to save and receive interest on it. Deposits can be opened by both legal entities and individuals. The term and rate of the deposit depends on its type

Credit risk means the probability of non-payment of the debt (loan) by the borrower to the bank. At the same time, the analysis of credit risk allows you to assess whether the client will be able to repay the amount of borrowed funds or not

How can Russians keep their savings - in dollars, euros or national currency? This question constantly torments fellow citizens, given the fact that these foreign "guests" are fickle. So in June 2012 everyone felt the appreciation of the currency

Any user can get access to the personal account of Tinkoff Bank. To do this, it is enough to go through a simple registration on the site and enter your personal data at the entrance. The system guarantees the safety of transactions and payments

Remote work attracts with its perspectives and lack of a clear reference to the time and place of its implementation. However, the question of the relationship with the employer and remuneration is always acute for the candidate. Instructions Step 1 Discuss with the employer how to transfer money in advance, i

A bank deposit is both a guarantee of the safety of your funds and a way to increase your savings. Opening a deposit in the bank takes no more than one day, taking into account the choice of the bank. It is necessary - the Internet

You can use an account opened at a branch of Sberbank of Russia via the Internet without leaving your home. The Sberbank OnL @ yn service will allow you to make utility bills, pay telephone and television bills and find out about receipts to your account directly from your computer screen

Opening a bank account allows you to increase your savings, insure yourself against unnecessary spending, help save the necessary amount for a large purchase, or simply make your life more convenient. It all depends on the type of the chosen deposit

So that you do not have to change the bank often, when choosing a bank, pay attention to the speed of transferring funds, the level of service, the efficiency of the work of bank employees, and loyalty to you as a client of the bank. If you do decide to change the bank that serves your current account, you need to pay attention to some nuances

Each type of loan has its own specifics. The package of documents required by the bank to check the borrower's solvency may vary depending on the type of loan. It is necessary standard package of documents, additional package of documents

More frequent cases of revocation of licenses from banks force depositors to approach the issue of choosing a financial institution with particular caution. In order to decide on a bank that will guarantee the safety of depositors' funds, it is worth paying attention to a number of criteria

The concept of "income dynamics" is used in the financial analysis of an organization. It shows how much the level of receipts in the reporting period exceeded the same indicator in the past. It is necessary - calculator

In the harsh conditions of the global economy, investors from Russia prefer to invest in shares of foreign companies. This trend can be traced in many banks and brokers in our country, who offer to buy securities of American and other firms

In November 2009, the Supreme Arbitration Court of the Russian Federation, by its decision, invalidated the commission for opening and maintaining a loan account, which was included in the loan agreement. These accounts are necessary for the bank itself to reflect transactions on loans issued, and the borrower is not obliged to pay for the actions of the credit institution to open and maintain them

A check is a written order from the owner of a bank account to pay a certain amount to the bearer. The check is part of the bank identification card or checkbook that is issued to the owner of the bank account and is proof of the existence of this account

Many economists, politicians, experts, astrologers, psychics, as well as ordinary people are trying to predict further options for the development of the global financial crisis, which has seriously shaken the economies of many countries. What unpleasant consequences can a financial recession lead to the population of the Earth, and when the world economy begins to gradually rehabilitate, returning to normal?

Any company seeks to reduce tax payments. Profit is calculated as the difference between income and expenses, therefore, in order to minimize tax, it is necessary to lower income or increase expenses of the company. This can be done legally in several ways

The profit of an enterprise is determined by income and expenses. To improve this indicator, it is necessary to conduct a financial analysis of the company's activities and choose the optimal method of increasing. For this, the estimated estimated profit is compared depending on changes in various parameters

The purpose of entrepreneurial activity is to make a profit. It provides the possibility of self-financing, meeting the material needs of the owners and employees of the enterprise. Profit reflects the final result of the company's activities, so you need to regularly analyze the sources of its formation

Nowadays, bets in bookmakers on various sports competitions are gaining more and more popularity. The resulting excitement can lead to the loss of fairly large sums of money. A person begins to place bets daily, lose and try to make up for the loss at high odds

If it is impossible or unwilling to create your own business, you can buy someone else's business - in whole or in its share. You can buy a minority (less than 50%) or majority (more than 50%) share. Instructions Step 1 When buying a minority stake in a business, it is important to take into account that its value, which is calculated based on the value of the business as a whole, must contain a certain discount, i

The accounting department of an enterprise whose activities are related to taxable and non-taxable VAT is obliged to keep their separate records for various business transactions. Otherwise, the company may lose the right to deduct the "

Some organizations in the course of economic activity use fixed assets. These are the assets of the enterprise, which have a material form, as well as a useful life of more than one year. Such objects include buildings, structures, equipment and more

We all throw ourselves off from time to time. Life itself has taught us that together we can do a little more. Crowdfunding and crowdinvesting are gaining momentum both in Russia and abroad. What is crowdinvesting? Crowdinvesting is a term that consists of two English words:

The formation of the authorized capital is a mandatory procedure when registering an enterprise, since it acts as a certain guarantor of the company's ability to cover its obligations. If a firm owns some property, then it can count on more confidence from creditors

According to Chapter 21 of the Tax Code of the Russian Federation, the seller is obliged to charge VAT on the received advance payment for the goods, and the buyer has the right to apply tax deductions for this amount. Despite the fact that advance payments are common, many accountants often have difficulty in recording prepayment VAT in their accounting records

Determining the volume of products produced or sold is one of the fundamental operations that every economist should be able to do. That is why tasks in which it is required to find the volume of products are so common in economic and financial educational institutions

Firms work for the sake of profit, in it is the meaning and main purpose of entrepreneurial activity. To determine the accounting and economic profit, you need to use the data of the company's balance sheet. Instructions Step 1 Profit is the amount of excess income over expenses

In the process of economic activity of the organization, each manager must draw up financial documents that reflect the financial condition of the company. The main documents are financial statements, income statement, cash flow statement and others

Every site owner strives to increase its traffic. To increase the number of visitors, you need to track the parameters of site traffic, which will help you understand the preferences of visitors and improve the resource in accordance with them

Profit is the main indicator of the company's performance. There are a number of costs or expenses that can reduce this figure. They are divided into several large groups. Instructions Step 1 You need to understand that the costs of each company are purely individual factors

Indicators such as blood pressure and pulse are for physicians the characteristics by which they can draw the first conclusions about the state of human health. These characteristics depend on how the most important human organ - the heart - works, and its functional state depends, among other things, on age

The increased attention to the dynamics of oil prices in Russia is due to the fact that hopes for the recovery of the Russian economy and stabilization of the ruble exchange rate are pinned on the rise in the cost of black gold. What are the expected oil prices in 2015 and should we expect their growth?

An auditor's report is an opinion on the reliability of the financial statements of an enterprise or other economic entity, drawn up by an audit firm or an independent auditor. Instructions Step 1 The auditor's report is drawn up based on the results of the audit of the enterprise

Auditing activity has long ceased to be perceived as a primitive audit. The global goal of modern audit is to reduce business risks. In this regard, the species diversity of the audit has significantly expanded. Auditing activity as a type of service has long ceased to be a novelty

In today's economy, investing free money in stocks is becoming more and more popular. Indeed, a wide range of people can become a minority shareholder and even a large company. But in order to dissolve shares, for example, to sell them, you need to be familiar with the rules of action in the stock market

The company's return on investment implies an indicator of the company's profitability, which reflects how long and how efficiently the organization has functioned. Instructions Step 1 Calculate or take from the financial report the main quantitative indicators of the enterprise: