Finance 2024, May

With the development of consumer lending in Russia, people have the opportunity not to save money for a purchase, but to acquire the desired item immediately, repaying it later. However, not everyone can get money from a bank. What do you need to get a loan?

A loan is a way to spend today what will be earned tomorrow and the day after tomorrow, or will not be earned at all. But if it is necessary, a properly taken loan will allow you not to go bankrupt after it is paid and not to sell property in order to pay off the debt to banks

It is easy to connect many services, but not always to disconnect. Sberbank often offers many online services. Things may be good, but there are times when it is important for a person to turn off services. How to disable the Sberbank Online service?

A bond is a debt security. It, like stocks, can be traded on the stock exchange. However, unlike a share, it cannot receive guaranteed dividend payments. But on the other hand, its advantage is that you can receive a certain amount on the day it is repaid

A bond is an equity security for which its issuer undertakes to pay a fixed amount of capital to the holder at a certain point in the future or to pay an income, the amount of which is predetermined in the form of a certain percentage of the face value of the bond (coupon yield)

Modern trading in securities (stocks and bonds) is carried out mainly electronically and in non-documentary form. In other words, when you make a deal, you do not get your hands on beautifully designed stock / bond forms. Instead, the registrar (the company that officially keeps records of the issuer's shares) or the depository (the organization that provides services for the storage of securities certificates and / or the accounting and transfer of ownership of them) makes a c

In the process of the development of human society and the formation of economic institutions, various instruments for investment appeared - the preservation and augmentation of wealth. When used correctly, they have helped and help to survive any crisis without losing your investment

Most of the existing and existing companies in the world are based on investment capital. The enterprise needs money both at its foundation and for further growth and development. How does investment work? Instructions Step 1 An investor is a person or organization that provides their funds to another organization, hoping to receive a portion of the profit in the future

Mutual funds, or mutual funds, allow non-professional investors to make money on investments in stocks and bonds. At the same time, the start-up capital is needed relatively small. Instructions Step 1 The first step in investing money should be the choice of the optimal mutual fund

If you want to increase your capital, there are several ways to achieve this goal. Investing free funds in securities is a simple and effective method. Among the most popular securities are bonds and stocks. How stocks differ from bonds Stocks and bonds allow you to increase the investor's capital

A bond is a type of securities that serves as a confirmation of the owner's right to receive a certain amount of money from the issuer. Investments in bonds are considered the most reliable instrument in the securities market. The concept of bonds and their difference from stocks Essentially, a bond is an IOU

In the wake of the crisis at the end of 2014, Russians were seriously worried about the safety of their savings. It is not for nothing that the most popular query was the following: "Where to invest your money." Indeed, the issue of investment remains particularly relevant in the new 2015, given that the unstable political and economic situation persists

The problem of money has always existed, it still exists today. It is simply not possible to live without money at all, but depending on them, every day fearing for their absence, is also not a very good prospect. How do you make it so that you can live without thinking about money, and at the same time your bank account is replenished every month?

Savings deposit is a type of term deposit. Its peculiarity lies in the possibility of replenishment during the entire period. Most often, all such deposits are used when it is necessary to accumulate funds for any large purchase. Distinctive features of savings deposits A replenishment deposit is a good way to save your own funds, which allows you to accumulate the necessary amount for any large purchase

Passive income is funds that come without your participation. There are enough ways to get such a profit, but 6 main ones can be distinguished from them. Instructions Step 1 The most famous and simplest way is bank deposits

Dependence on loans is not only a real problem, but also a very serious one. The inability to stop on time, borrowing money from banks over and over again, can greatly undermine the family budget, worsen relations with loved ones and, of course, have a bad effect on the psyche

Analysis of financial statements is an assessment of the solvency, creditworthiness, profitability, as well as the investment attractiveness of the enterprise. Analysis of the company's reporting enables potential partners to conclude that further work with it is necessary

The analysis of the financial condition of the enterprise is carried out in order to assess its activities. It involves the calculation of a number of indicators that reflect the process of generating funds from an economic entity, the direction of their use and efficiency

The bottom line will help you reflect the relationship between the income and expenses of your business. This indicator can be positive (profit), if income exceeds expenses, and negative (loss), when expenses are greater than income. Instructions Step 1 The main indicators of profit in the accounting system at the enterprise are:

The term "capital" has many different meanings: it can be used both as a certain stock of material values, and as something that combines not only material objects, but also intangible values, such as human abilities, education. Defining capital as a factor of production, economists associate it with the means of production

Living well and being financially independent are not the same thing. Financial independence does not always imply a luxurious life, but it does mean earning money on your own, and not getting it at someone else's expense, the absence of a shortage of funds, and most importantly - confidence in the future

Financial well-being is one of the most important achievements in a person's life path. It is known that only 5% of people have the ability to achieve financial success. Therefore, in order to find it, it is necessary to rely on the experience of just such individuals

Banking services are used by many Russians, but not all of them think about the fact that before concluding a deposit or credit agreement, it is always necessary to assess the financial condition of the credit institution that they like. The events of recent years have clearly demonstrated that not all banks have the necessary margin of stability and conduct their activities in accordance with the requirements of regulatory and legislative acts of Russia

The balance sheet implies the main form of financial reporting, a method of grouping using a table of assets and liabilities of a firm in monetary terms. In this case, it is necessary to balance the balance in some numerical values, reflecting the correctness of the formation of this document

The balance sheet is the main form of accounting and reflects the property and financial condition of the enterprise at the reporting date. It contains all information about the assets and liabilities of the company in monetary terms. The balance sheet is drawn up by the chief accountant of the organization on the basis of the balance sheet

The source of information about the financial and property status of the organization is the balance sheet, which consists of assets and liabilities. The asset reflects the property belonging to the enterprise: cash, fixed assets, stocks, etc

In accounting, the word "balance" has a double meaning: it is the equality of the totals of records on debit and credit of accounts, records on analytical accounts and the corresponding synthetic account, totals of assets and liabilities

Form No. 5 is a section of the annual financial statements "Appendix to the Balance Sheet", which reflects the presence and movement of assets, expenses and liabilities. It is not necessary to fill it out for small businesses and public organizations that are not engaged in entrepreneurial activities

Business accounting transactions, as they accumulate, are entered into the accounts. Transactions can be recorded separately, or they can be summarized in grouping or cumulative statements if there are many similar transactions. This can significantly reduce the number of account entries

To assess the efficiency of the enterprise's use of available resources, regardless of the sources of their formation, the asset turnover ratio is used. It characterizes the number of complete cycles of production and circulation for which the enterprise makes a profit

When analyzing the activities of a company, economists are faced with such a concept as an initial balance. In general, the balance is calculated as the difference between the debit and credit of the account. The initial balance is determined based on previous transactions

The system of accounts of accounting serves for accounting, collection, processing and storage of all necessary information, as well as for control, planning, regulation and management of the organization's accounting. For uniformity of the content of the forms of accounting information, a clear list and specific characteristics of each account are used

In different countries, people use different monetary currencies. In Russia, it is customary to pay in rubles, in the United States in dollars, in China in yuan. All these currencies have different values and degrees of reliability. Which one is recognized as the most reliable in the world?

In the course of its activities, an enterprise may find itself in a situation where there is no revenue in the reporting period. At the same time, costs are incurred for wages to workers, rent of real estate, electricity, fuel, and so on. In this situation, many are faced with the problem of reflecting these costs in accounting and tax accounting

Every day, each of us earns and spends money. But few people think about what their financial situation will be in a few years or when they retire. Regular financial planning can help you manage your finances. Spending a little time drawing up your personal financial plan will help you look more confidently into tomorrow and get closer to gaining the long-awaited financial freedom

The serious devaluation of the ruble made Russians think about how to preserve their own savings and protect them from inflation? One of the most common investment tools is buying gold. But will investments in gold become an "island of stability"

Cost is a quantitative representation of the value-exchange relations, which expresses the basic properties of a service, product, real estate or other object of exchange. The concept of value in everyday life is determined by the cost of acquisition, and in economics it has a broader meaning

Money is the main measure of the value of material wealth, a tool for purchasing goods and services, accumulating wealth. People and companies always need cash - that is, there is a constant demand for them. But there is no infinite amount of money

Money in its usual form ceases to exist. An increasing number of monetary transactions can be performed without touching paper banknotes and metal coins. It seems that the history of physical money is ending. And how it began, not everyone knows

The day is the most important economic institution. The reasons for their appearance and the metamorphoses occurring with them have always interested the best minds of mankind. That is why there are several theories of the origin of money, each of which has its own adherents