Investments
Last modified: 2025-01-24 12:01
From 2015, a new procedure for calculating pensions comes into force. If earlier, when calculating a pension, the size of a pensioner's earnings was taken into account, now it will be formed according to a rather complex formula, taking into account pension points
Last modified: 2025-01-24 12:01
There are times when there is still two whole weeks left until the salary, and there is very little money, but this is not a reason to lose heart. The moment has come when there are only 1000 rubles left in your pocket, and you need to stretch this money for a long time?
Last modified: 2025-01-24 12:01
To calculate penalties for insurance premiums, you will need such initial data as the date of occurrence and planned repayment of the debt, the amount of arrears and the refinancing rate in the period from the deadline for payment of the contribution to the day when it was actually transferred to a particular extra-budgetary fund
Last modified: 2025-01-24 12:01
If, having studied the next letter from the Pension Fund of Russia or your non-state pension fund (NPF), you are not satisfied with the accrued interest on the funded part of your future pension, go to another NPF. Submit the relevant application by December 31 of this year, and from April next year, another organization will control the fate of your pension contributions
Last modified: 2025-01-24 12:01
The result of each road traffic accident is necessarily negative consequences in the form of damage to property, health or life of citizens. Compensation for the damage caused is made by insurance companies that have insured the liability of car owners
Last modified: 2025-01-24 12:01
To calculate insurance contributions to the pension fund and to generate reports, it is necessary to check the rates for the current year on the Pension Fund website. In 2011, they amount to 26% for pension insurance and 5.1% for medical insurance
Last modified: 2025-01-24 12:01
OSAGO - compulsory motor third party liability insurance provides for the insurance of your liability to third parties. This means that in the event of an accident, the insurance company of the perpetrator of the accident compensates the damage to the injured party
Last modified: 2025-01-24 12:01
You can get a new policy of compulsory medical insurance in connection with a change of surname at the office of an insurance organization licensed to carry out compulsory health insurance. What is health insurance and compulsory medical insurance policy An insurance policy of compulsory medical insurance (MHI) is necessary in order for a person to receive free medical care
Last modified: 2025-01-24 12:01
If for some reason you decide to sell a car bought on credit and pay off your debt to the bank, you can return part of the funds paid for the insurance policy. Instructions Step 1 Study the documents issued to you by the insurance organization or its representative when concluding a car insurance contract for a car purchased on credit
Last modified: 2025-01-24 12:01
The modern pension system in Russia presupposes the personified accumulation of a future pension on the individual pension account of each insured citizen. The territorial body of the Pension Fund of Russia (PFR) all citizens of Russia who are registered in the pension insurance system, including children, non-working citizens, as well as military personnel, upon application, issues an insurance number of an individual personal account (SNILS)
Last modified: 2025-01-24 12:01
What is CASCO, today almost every driver knows. This is insurance for a wide range of motor vehicle risks. CASCO means the insurance of your car against theft, road accidents, various natural disasters, as well as insurance directly for passengers and the driver himself against various accidents, while they will be in the insured car
Last modified: 2025-01-24 12:01
The insurance premium (insurance premium) is the cost of the insurance service that the policyholder pays to the insurer. In other words, this is the price for the services of the insurer from the client in case an insured event occurs. Instructions Step 1 When calculating the insurance premium, proceed from the fact that it must cover the expected claims of the insurance period, create insurance reserves, cover the company's costs of doing business, and also e
Last modified: 2025-01-24 12:01
Preparation of a quarterly, based on accounting data, package of documents for the Pension Fund of the Russian Federation often causes certain difficulties. Special software is designed to facilitate this responsible process. It is necessary - PC with installed Windows operating system and Internet access
Last modified: 2025-01-24 12:01
In 2002, the government launched a new reform that radically changes the system for calculating pensions. It is quite difficult to understand it. But for people who in 20-30 years will have to experience the results of this law, it is important to know by what principle the insurance part of their pensions will be calculated
Last modified: 2025-01-24 12:01
An insurance product is a variety of insurance offers from insurance companies. In rare cases, a person himself turns to an insurance company to insure himself or his property. This is why there are many insurance agents who sell these products
Last modified: 2025-01-24 12:01
Those who have to deal with insurance companies have heard the word "franchise" many times. Many are puzzled when an insurance agent or manager in the office offers to issue this very deductible when signing an insurance contract. What is it?
Last modified: 2025-01-24 12:01
Any insurance contract can be terminated early and part of the money paid for the insurance can be returned. To do this, you will need to contact the policyholder with a package of documents corresponding to the concluded agreement. It is necessary - application
Last modified: 2025-01-24 12:01
A medical insurance policy provides free medical care and assistance to all categories of the population, including people who have been left without work. Non-working citizens are issued a policy at their place of permanent residence. It is necessary - statement - photocopies of documents Instructions Step 1 To obtain a medical policy for an unemployed person, you need to do the following:
Last modified: 2025-01-24 12:01
SNILS is an abbreviation that stands for “insurance number of an individual personal account”. The SNILS number is printed on the front side of the insurance certificate, which at the moment all citizens of Russia are required to receive. How to get SNILS Individual accounts are opened in the pension fund for each citizen of the Russian Federation
Last modified: 2025-01-24 12:01
In addition to compulsory motor third party liability insurance (OSAGO), there are voluntary types of insurance in our country. The most demanded of them can be called car insurance only (CASCO - from the Spanish "housing") and real estate from damage
Last modified: 2025-01-24 12:01
The amount of insurance compensation is determined on the basis of legislation and the rules established by the contract. The procedure for determining the conditions and procedure for payment consists of regulating the justification of the methodology for calculating the amount of insurance compensation, as well as establishing the grounds for compensation
Last modified: 2025-01-24 12:01
To receive free medical care, the patient is required to provide a valid medical policy. For a working person, contributions of compulsory medical insurance are paid by the employer, who also draws up a policy. Insurance for unemployed citizens is provided by the local authorities at the place of registration
Last modified: 2025-01-24 12:01
When concluding an insurance contract, for example, real estate or a car, it is important to remember that the amount of insurance compensation does not always correspond to the actual damage, since the deductible specified in the contract, depending on the type and size, reduces the amount of payment
Last modified: 2025-01-24 12:01
Car insurance allows you to avoid spending on unplanned car repairs and avoid liability for damage caused to other car owners through negligence. How to insure a car? Which company should you choose? How to insure a car with a benefit for yourself?
Last modified: 2025-01-24 12:01
The transfer of insurance contributions to extra-budgetary funds is the prerogative of the employer, who does this for the benefit of employees. These funds in the future allow you to cover various social needs of workers. Instructions Step 1 Compulsory insurance contributions include payments to the Pension Fund of the Russian Federation, as well as to social and compulsory health insurance funds
Last modified: 2025-01-24 12:01
The CTP policy is usually purchased for a period of one year, and the amount of the insurance premium can be quite an impressive amount. In case of early termination of the contract, the policyholder has the right to return part of the funds
Last modified: 2025-01-24 12:01
There are a huge number of companies in the modern insurance market. Some of them are distinguished by many years of experience, others - withstand competition only for several years. The insurer's bankruptcy can cause a lot of inconvenience to policyholders, so you should inquire about the reputation of the chosen company in advance
Last modified: 2025-01-24 12:01
Situations where a correct calculation of the amount of damage may be required may vary. Most often this applies to those aspects when it comes to compensation for harm caused. Calculating the amount is not so difficult, it all depends on the specific case
Last modified: 2025-01-24 12:01
One of the ways to insure your deposit is to receive an answer to the question asked whether the bank that you have chosen to open a deposit there is a member of the existing Russian system of insuring people's money deposits. It is necessary - deposit bank agreement
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The Aktiv mobile communications company has been operating in Kazakhstan since 1998, the number of subscribers registered in the network exceeds ten million people. There are several ways to find out your phone number, the SIM card of which is served by this provider
Last modified: 2025-01-24 12:01
If, for one reason or another, you put money on someone else's phone number, this does not mean that they are lost forever. You can easily return them. True, the key point in this case will be that you have a check. All telecom operators advise not to throw away the payment receipt until the money is credited to the account
Last modified: 2025-01-24 12:01
In order to find out how many Belarusian rubles you can get for a certain amount in Russian currency, you need to use the information on the website of the Central Bank of Russia or calculate this amount using an online calculator. Instructions Step 1 Visit the official website of the Central Bank of the Russian Federation, where you can find information about the exchange rate of the Russian ruble to the Belarusian one, set for a specific date
Last modified: 2025-01-24 12:01
The Department of Health says an increasing number of patients are receiving surgery quotas. But every day, in newspapers and on television, we see photographs of those who need urgent financial assistance for surgery. How to get a quota for medical care?
Last modified: 2025-01-24 12:01
Tonne-kilometer is a unit of measure that is used in the transport of goods. It combines two indicators: the number of tons of cargo transported and the distance. Tonne-kilometers are recorded in such primary documentation as the waybill of a car
Last modified: 2025-01-24 12:01
Many Internet users use utorrent to download movies, music, computer games and other large files. However, torrent download speeds can be quite slow for a number of reasons. You can increase your download speed by following a few simple steps
Last modified: 2025-01-24 12:01
With the development and proliferation of online stores, e-commerce is gaining momentum. After all, making purchases through the worldwide network is quite profitable. You can use a bank card to replenish your e-wallet. It is necessary - access to the Internet
Last modified: 2025-01-24 12:01
Equity capital is the total value of the organization's funds owned by it and used to form some of the assets. Equity is the portion of an enterprise's capital that remains at its disposal after deducting all liabilities. Instructions Step 1 You can easily determine the amount of equity capital from the balance sheet
Last modified: 2025-01-24 12:01
Trading organizations are often faced with the need to return erroneously paid or transferred funds. Payers, on the basis of the documents they have about the past payment, hope to return the money on demand. The recipient organization requires compliance with the return procedure, where the first step is to submit a return request, which is issued in the form of a letter
Last modified: 2025-01-24 12:01
Many drivers know that non-payment of fines from the traffic police can lead to serious complications and ruin the life of a motorist. Bailiffs have the right to seize the debtor's car, restrict all registration actions performed with the vehicle, and prevent the defaulter from going abroad
Last modified: 2025-01-24 12:01
Remember, you probably had situations when a torn bill was found in your wallet. And if earlier it could be changed only in the branches of the Savings Bank and only after an appropriate examination, now all credit organizations are obliged to do this, i