Investments
Last modified: 2025-01-24 12:01
Despite the fact that placing funds on a bank deposit taking into account inflation can bring not so much income, this method of investment has an undeniable advantage: deposits in banks are insured. What is the amount of insurance indemnity that can be counted on?
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More and more active citizens are dealing with banks for various purposes. Some receive wages, others take out loans, and others invest their accumulated savings. The most popular banking product, apart from credit, is a deposit in national and foreign currencies
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When making a purchase in any store, you conclude a sales contract with the seller, the confirmation of which is the receipt. Its presence allows you to confirm the date, time, purchase fact, as well as the volume and cost. Sometimes, this data plays a very important role in the life of the consumer
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Almost every company during its existence has been checked against the accrued and paid taxes with the inspectorate. Typically, reconciliation helps to sort out confusing payments and charges. Sometimes the tax authorities force this operation
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Fixed assets are part of the property of an organization that is used for a long period of time (more than 12 months) for the production of products, work or services, as well as for management purposes. A set of fixed asset objects of the same type in terms of technical characteristics, purpose and method of use are called groups of fixed assets
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Entrepreneurs using the simplified taxation system must annually make fixed payments to the Pension Fund, the Federal Mandatory Health Insurance Fund and the Territorial MHI Fund. These payments are called insurance premiums. It is necessary - a receipt for payments to the budget when paying through Sberbank
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Analysis of the financial condition is necessary to obtain objective information about the solvency, business activity and financial stability of the enterprise. Most often, it is required by the top management of the organization for making management decisions
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Having such a comfortable car as a Gazelle makes it possible to provide yourself and your family with a constant income, if you take this task responsibly and in compliance with all relevant requirements. There are several ways how to make money with Gazelles
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The state of fixed assets reflects their technical suitability for further exploitation. Worn-out fixed assets often need urgent or major repairs, modernization, can cause interruptions, downtime in the production process and product defects
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The calculation of discounted cash flow is one of the main aspects of the analysis of investment activities, namely the analysis of the attractiveness of an enterprise for third-party investments. This is a very powerful assessment tool, but its use requires great precision, since even a small miscalculation can lead to an incorrect result
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Organizations, individual entrepreneurs and individuals not recognized as individual entrepreneurs who make payments to employees for the performance of work, services under labor contracts, civil law contracts, copyright orders and other remuneration specified in federal legislation are required to transfer insurance contributions to the state budget
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Penalties and fines can be charged based on the results of the audit in case of revealed violations of the deadline for paying taxes to the budget and extra-budgetary funds, payment in an incomplete amount, etc. Penalties are also applied by counterparty organizations for violation of the terms of contracts of economic activity (failure to comply with the delivery time of goods, the term of payment under the contract, etc
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A passbook is needed to control the movement of funds in the account. It can be presented in court in litigation related to incorrect accrual of interest, inheritance and other cases. This document gives you the right to transfer your money to third parties
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Every job you do has a financial cost, and finance is a limited resource. Therefore, an enterprise or organization, before starting to perform a particular work, initially draws up a document called a cost estimate. This document indicates all the costs by type of work that are necessary to complete the task
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Some people think of dollars when they imagine a huge machine that churns out crispy green bills every second, which factory workers tie, pack and ship to American banks. But what is the process of producing US currency, and the system and organizations involved in its distribution?
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Spending money right is as difficult an art as earning it. It often happens that people regret spending money because they made unnecessary expenses. To prevent this from happening, you need to learn how to properly manage funds. Instructions Step 1 Regardless of how much money you have at your disposal, you should first think about your spending, and only then go shopping
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After the pension reform in 2002, Russians were able to dispose of the funded part of their pension and transfer it to non-state pension funds. But a citizen dissatisfied with the work of his fund can redistribute his savings in a different way
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In case of early termination of the insurance contract, part of the premium for the period remaining until the end of the policy is subject to return to the policyholder. To receive money, you must meet a number of conditions and do not be surprised that the amount may differ significantly from the one you expected
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It is necessary to determine the net cash loss of the organization in order to calculate the opportunity cost. Losses of cash cannot be measured in absolute units of capital, unlike other resources, but these costs depend on the alternative
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Enterprises that pay wages to their employees must make transfers to the Pension Fund of the Russian Federation. For this, the company's accountant fills out a payment order. The Ministry of Finance of Russia has developed a special form for this document, as well as guidance, which can be found in the order of this department No
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Enterprises that are taxpayers pay wages to employees, from which tax is deducted, which is subsequently transferred to the pension fund of the Russian Federation. To do this, you must fill out a report on insurance premiums. The report form can be downloaded from the link It is necessary computer, internet, A4 paper, printer, organization documents, accounting documents, pen, company seal Instructions Step 1 Enter the registration number in the FIU
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Any pension consists of two parts: funded and insurance parts. The insurance part of the pension is created on the basis of insurance contributions that a person made after January 1, 2002, when mandatory insurance contributions were introduced and the pension capital was converted
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The rarest coins of the Crimean Khanate are the coins of the last ruler of the Crimean Khanate, Shahin Giray. It was he who reformed the monetary system of the Crimean Khanate, bringing it closer to the system of the Russian Empire. The rarest coins of the Crimean Khanate - the most recent Shahin Giray carried out his famous monetary reform in several stages, wishing to establish coinage according to European patterns
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Income tax is a tax levied on the income of individuals. It is taxed on any income in cash or in kind received by a taxpayer in the territory of the Russian Federation and abroad. It is necessary - 2-NDFL certificate; - 3-NDFL declaration
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In the Russian Federation, the pension system is based on the payment of insurance pension contributions. To do this, each citizen must have a certificate of pension insurance, in which his individual personal account is fixed. This account keeps records of information about incoming funds, which will later become the basis for calculating the labor pension
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To insure a loan is more profitable for the bank than for the borrower. After all, if something happens to the borrower, the insurance company will pay off the loan for him. But for insurance, the payment on the loan will cost more, and if nothing happens to the borrower, it turns out that the money was wasted
Last modified: 2025-01-24 12:01
It is possible to return insurance in case of early repayment of the loan, but only if a number of conditions are met. In some cases, you can achieve what you want only through the courts. To avoid problems, carefully read the contract before signing
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The minimum wage or minimum wage is the minimum allowable wage. For 2018, the value of the minimum wage at the federal level was revised. The minimum wage or minimum wage for the current year is an important economic indicator that has a regulatory function
Last modified: 2025-01-24 12:01
Official employment, especially in the current economic conditions, is the only way out for many citizens to find a really good job with decent wages. In addition, this is also a real chance to obtain citizenship of the European Union, which opens up many opportunities and prospects, not only for the employee, but also for his family (especially children)
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Dmitry Medvedev signed a decree that allows the use of materkapital funds to repay loans, regardless of the period when they were taken. What is womb capital The maternity (family) capital program is a form of state support for Russian families in which from January 1, 2007 to December 31, 2021, a second, third or subsequent child was born or adopted
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Home, family, entertainment, transportation - there are always a lot of expenses. It is only important to learn how to properly distribute funds. Then, even with a small budget, life will not be devoid of bright colors. There are periods in life when little money comes to the budget, and you need to live on them for a whole month
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The problem of saving for many families is very acute. How to learn to save money? How and on what can you do this? It turns out to be easy to learn. You just need to know how to start. It's important to know To start saving, you need to know some of the features of this event and remember that saving is not some big restrictions or a bad lifestyle
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Maternity capital can be used for housing construction, subject to certain rules. They relate to both the site on which the building will be located, and the features of the facility being built. A package of documents is also prepared in advance
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You can check the balance of Troika via the Internet in your personal account on the Moscow Transport Card or Strelka website. There is no such service directly on Troika's official website. Troika is a plastic card purchased for travel on the metro, trains and municipal public transport
Last modified: 2025-01-24 12:01
For most people, spending on food is the main expense in the family budget. Often there are situations when, after returning from the store, bewilderment arises: how did it happen that there was no money left, and there was practically no bought
Last modified: 2025-01-24 12:01
In Russia, there is a tendency for the population to spend more on drugs and medical services. Over the past year, such expenditures amounted to more than 940 billion rubles. And most citizens still don't know that the money paid for medicines and expensive treatment can be partially refunded by taking advantage of the tax deduction for treatment
Last modified: 2025-01-24 12:01
Many parents think about how much pocket money to give a student for a week. There is no specific amount, it all depends on a number of factors and each family decides this issue independently. The amount of financial support for a student depends on the material capabilities of the family, the place of residence and study of the teenager, the existence of additional sources of income for the student, and many other reasons
Last modified: 2025-01-24 12:01
Alimony is a monthly contribution for the maintenance of a minor (or incapacitated) child, which one of the parents must pay if they live separately or are divorced. This money is not always enough to cover all needs, which is why the legislation provides for additional payments
Last modified: 2025-01-24 12:01
Solving the problem of a catastrophic lack of money is not difficult if you are a free person. But what if your family obligations are holding you back? And you cannot yet work to the fullest extent of your strength? Waiting for better times is not the best solution
Last modified: 2025-01-24 12:01
Few Russian families spend their maternity capital on children's education. Not surprisingly, most young Russians study in public schools for free. And when it comes to entering a university, additional funds are not at all superfluous. But not everyone knows that higher education fees are also included in the program