Investments 2024, November

Denomination is one of the economic terms that people fear like plague. After all, to put it in a simple way, denomination is the "cutting" of extra zeros from banknotes. That is, it was one hundred rubles, it became 10 or 1, depending on the scope of the problem

The fall in the exchange rate of the ruble against other foreign currencies is called devaluation. In Russia, the ruble exchange rate is pegged to the currency basket, consisting of 55% dollars and 45% euros. It is floating, fluctuating within the currency band

It is scary to find yourself in a situation where you see a loved one fading away, and you absolutely cannot help him just because you have no money for an urgent operation. What should be done in this case? Instructions Step 1 Reach out to friends and family to help you raise funds for your surgery

The term "quota" cannot be defined unambiguously. This term comes from the Latin word meaning a share or a part attributable to each. In this connection, a quota is a share of participation in a joint business (production or sale of goods, export or import) carried out by several manufacturers

One of the key requirements for obtaining a loan is a permanent residence. But even if the address of your actual residence differs from the address of registration, you can apply for a loan. It is necessary - temporary registration

Quite often, people with various medical conditions require urgent medical attention, but this procedure can be expensive. In such a situation, you can get financial assistance from the state in the form of a quota. It is necessary - the results of the treatment

The service provided by the Russian post for sending parcels by cash on delivery is always popular among ordinary citizens and large organizations. It is difficult to overestimate the ability to forward the requested values, having complete confidence in receiving payment or returning the shipment

Most of the life of a modern person passes in a frantic rhythm, in which sometimes there is not even time to take care of the balance of his mobile phone. Therefore, the market of mobile online services came up with a qualitatively new proposal, introducing such an interactive service as Mobile Wallet

To determine the organization's ability to self-finance, that is, the ability to do without borrowing, it is necessary to assess the composition and structure of equity capital. Such an analysis is carried out on the basis of the data of the accounting statements of the enterprise

The capital of the organization is one of the key objects of management of the company's financial and economic activities. Its effectiveness is largely assessed on the basis of the purposefulness of the formation of funds. The main objective of this process is to meet the asset purchase needs

If you bought a low-quality item and found flaws, you can write an application for a refund, attach a receipt, and with this statement go to the store that sold you the product. Instructions Step 1 Find out the organizational and legal form of the store that sold you the goods, the name, surname and position of the person who heads it

Each enterprise carrying out financial activities maintains a cash statement, which reflects the amount of receipts and expenditures of funds. If the customers of the organization for any reason need to return the money, the cashier draws up their return under the act on the return of funds to customers on unused cashier's checks

Withdrawing money from the current account of a legal entity or individual entrepreneur is not as easy as from the account of an ordinary client - an individual. To do this, you first need to get a checkbook from the bank, then fill out a check

According to order N 256 of the Federal State Statistics Service of July 20, 2010 "On the approval of statistical tools for organizing federal statistical monitoring of the number and wages of employees", all organizations (commercial and non-commercial), as well as their divisions, are required to submit a report in the form p-4 "

Enterprises using the simplified taxation system are required to submit a payroll in the form of 4-FSS to the Social Insurance Fund of the Russian Federation. It is rented no later than the 15th day of the next month for the last reporting quarter

Often we are faced with a situation in which we have a large bill in our hands that needs to be changed. Moreover, this can be for a variety of reasons, ranging from the fact that we are afraid to carry such a large amount with us, and ending with the fact that we simply cannot buy anything with it, because there is no change

Banknotes of different denominations in circulation on the territory of Russia also have different terms of use, the smaller the denomination, the faster this banknote will lose its “marketable appearance”. Therefore, very often banknotes of 10, 50 and 100 rubles are damaged

A beautiful piggy bank is a great gift for any child. Such a gift often encourages the child to put aside his pocket money in order to save up for something useful and more expensive than sweets, cheap toys and other similar things. But having accumulated enough money, your offspring is faced with a choice - to leave money inside for the time being and continue to admire the colorful piggy bank every day, or break the piggy bank and spend the accumulated

The number of counterfeit banknotes has increased dramatically recently. You can come across a fake at any time. That is why you should inquire in advance about how to recognize a counterfeit among real money. Instructions Step 1 Dollars

Former head of the Bank of Moscow Andrei Borodin and his former deputy Dmitry Akulinin are suspected of fraudulent transactions with the capital's budget in the amount of 12, 76 billion rubles, as well as embezzlement of bank funds in the amount of more than 7 billion rubles

If the bill has split into two parts, there is no reason to be upset. First, it most likely has not lost its legal solvency. Secondly, it can be glued, moreover, in such a way that the place of gluing will be almost invisible. Instructions Step 1 Be sure to make sure that the bill is split into two parts, and not, say, three

Do you want to pay for your purchases, but the seller / cashier refuses to accept cash because of its shabby appearance? In order not to get into a mess, study the information on the rules for accepting damaged bills. Banknotes are still considered solvent:

For an organization to start its statutory activities, an initial contribution is required, which is made by the founders. This can be cash, materials, fixed assets, securities. Also, managers can make such a contribution throughout the entire existence of the organization

Registration of an enterprise begins with the introduction of the authorized capital by the founders. It determines the value of the shares of the participants in the company and the size of the property, within which the interests of creditors are guaranteed

Organizations that manufacture products intended for export can reimburse the VAT amounts paid to suppliers after the profit is received, and documents confirming the export of products are submitted to the tax authorities. Instructions Step 1 The actual closure (refund) of VAT on purchased values that were used for the production of export products, carry out according to the specific weight of manufactured products, the export of which is documented in acco

The safety of their own savings and their fate in the event of the death of the owner always worries both the depositors and their heirs. That is why many older people who keep money in Sberbank often have a question about whether it is possible to bequeath their contribution, and how to do it correctly

The legislation defines a foundation as a non-profit organization established by citizens and (or) legal entities for voluntary property or monetary contributions for social, cultural, charitable and other socially useful purposes. Establishing a foundation is not difficult in itself, but organizing its work will require significant effort

Offshore is a company registered abroad and does not conduct any business there. The owners of this company are not citizens of this country. The main advantage of offshore is the absence or very small amount of taxation. Any citizen who has sufficient funds for this can open an offshore account

Rubles, dollars, marks, lira, francs - all these names are united by one powerful economic concept, they all underlie financial relations and are known as "money". Money has very specific economic and macroeconomic functions. They are also a political regulator

The assets of an enterprise are its resources, expressed in value and used in the course of current activities. The cost of non-current and current assets is reflected in the balance sheet drawn up at the end of the reporting period. Changes in their condition can be analyzed by calculating, among other indicators, the average annual value of assets

Financial leverage (or financial leverage) reflects the ratio of debt to equity of a company. The lower its value, the more stable the company's position is considered, and its activities are less risky. The concept of financial leverage and its economic meaning Any commercial activity involves certain risks

Working capital are those assets of an enterprise that are used for the continuity of its activities. They include stocks of finished goods, production inventories, work in progress, accounts receivable and funds in the accounts and in the cash desk of the enterprise

The activities of enterprises are aimed at making a profit, which characterizes the effectiveness of the management policy of the management. To correctly assess the financial result, careful accounting of income and expenses is required, on the basis of which one can judge the profitability or loss-making of the organization

Average annual turnover refers to the rate at which cash flows through the various stages of production. At the same time, the higher the rate of circulation of working capital, the more profit the company will receive. Instructions Step 1 Calculate the asset turnover and then the duration of one turnover

A transit account is a prerequisite for businesses planning to work with foreign currency. It can be opened based on an agreement between the bank and the customer. It is possible to use the export proceeds received on the transit account only after following certain conditions, which are stipulated in the contract

If there is an urgent need to send money to another city or country, the fast money transfer system will come to the rescue. The variety of systems existing in Russia allows you to choose the option that is optimal in terms of cost and translation speed

Not everyone knows that the main act regulating both the import and export of all funds, including currency, beyond the official border of our country is the Customs Code, which today applies to all countries of the so-called Customs Union, which includes Russia

Any organization cannot fully work without having bank accounts, therefore, when opening a legal entity, many organizational issues arise, as well as questions on the conduct of a banking commission. Each bank has developed its own tariff scale for paying for services, but they all charge a commission for opening and maintaining accounts of legal entities, as well as for some additional services

A collection order is a settlement document in an intermediary banking collection operation, which is formed by a creditor for a bank. Through it, he will claim the amount of the debt from the payer in an indisputable manner. The concept and essence of collection settlements Collection is a method of settlements between the parties, in which not the supplier, but the bank receives the amount due or the acceptance of payment from the buyer's bank

There is no approved form of a strictly sample or a unified form of invoice for payment, since it is not a primary accounting document. But there is certain information that must be contained in the invoice without fail. It is necessary details of the buyer and the seller Instructions Step 1 In a standard office program Word or Excel, make a template for your business invoice