Investments 2024, November

An insurance premium is called a payment (single or periodically repeated) that the payer is obliged to make in favor of the insurer. The payment forms the material base for protection against property and other risks. Instructions Step 1 The insurance premium is paid by the payer on the basis of a previously drawn up insurance contract

Arrears is the amount of insurance premiums not paid by the organization within the period established by law. In this case, in addition to the arrears itself, you will also need to pay a penalty. Calculation and collection of the amount of arrears The indebtedness for insurance premiums for the reporting period consists of the following amounts:

In the event of an insured event, it is necessary to contact the company with which the corresponding agreement has been concluded, with an application for insurance payment. However, it happens that many insurers pay compensation that is much less than expected

The concept of “Fixed payment” was replaced in 2011, now it is “Insurance premiums for compulsory pension insurance in the amount determined based on the cost of the insurance year, credited to the Pension Fund of the Russian Federation for the payment of labor pension (individual entrepreneurs, notaries, lawyers)”

Contributions to compulsory pension insurance must be made by all legal entities, including foreign ones, that conclude employment contracts with employees. Pension contributions are subdivided into the insurance and funded parts of the pension

The UST (or the Unified Social Tax) operated in Russia until 2010. Later it was replaced by insurance premiums for employees, but the essence of this salary tax remained the same. Insurance premiums Every month the employer is obliged to transfer insurance premiums for each of his employees

Unfortunately, not all drivers manage to avoid a traffic accident. Even a slight collision will damage the vehicle and require repair. The victim, in the presence of an insurance policy, has the right to receive insurance compensation for damage to property or health as a result of a road accident

EBay is one of the most popular online shopping sites in the world. It offers a huge range of products at lower prices than retail. However, it may happen that the buyer receives a low-quality product or the seller turns out to be dishonest

It is often not at all easy to receive payments for OSAGO. In order to increase the likelihood of receiving money, you need to follow the necessary rules of conduct in the event of an accident. If the insurance company evades payments, it is necessary to seek justice in the competent authorities

Married life is also about joint finances. And usually the wife expects that the husband will bring all his "spoil" to her. But what if control over the family budget and its spending is in the hands of the husband? This is not always a bad thing

Economic experts have prepared a list of things that will rise in price in 2016. What kind of things are included in this list and why will the price rise. In 2016, the following groups of goods are expected to rise in price: clothes, shoes, household appliances and electronics, printed editions, construction and finishing materials

Every year for Russians begins with not always pleasant, but still with changes. Consider how pensions, salaries and utility rates in Moscow will change in 2019. Raising old-age pensions Fortunately, the Russian government has raised not only the pesion age, but also the size of pensions

Many citizens are interested in the question: how to sell an apartment that was bought with maternity capital? Although today in young families all funds are spent precisely on purchasing new housing, and improving living conditions is considered one of the directions provided by the law, nevertheless, in some cases it may be necessary to sell housing

The world of children today is not at all the same as twenty or even ten years ago. Fashion and trends drive communities, and it can be difficult for a kid who doesn't have a cool phone or super-modern clothes to fit in. Unfortunately, not all parents understand these points, and often the requests of a son or daughter to buy the right thing are answered with a sharp refusal

If the spouse is not an adherent of the fashionable European childfree movement, which promotes a conscious and unconditional refusal to have children in the name of personal freedom, then all other reasons for disagreeing with the conception or adoption of a child can be attributed to banal excuses

In Bali, the sun shines all year round, the sea pleases the eye with azure shades, and the sandy beaches invite you to rest and relax. People come here to escape from the stress and frenzied rhythm of big cities, gloomy skies and gloomy atmosphere

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

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

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

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

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

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

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

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

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

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

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

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)

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

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

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

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

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

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

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

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

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

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

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

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