Investments 2024, November

There are many disputes between human rights activists and banks over the invalidation of the loan agreement. Most often, problems arise when there is an agreement concluded in foreign currency. Usually the borrower sues the bank if he wants to convert the foreign currency loan into rubles at the exchange rate at the time of issue

The unified form of 2-NDFL certificate or certificate of income of an individual is filled out and issued upon request by tax agents - those organizations where a citizen received some kind of income. According to the current rules of taxation, enterprises with which you had material relations are obliged to independently calculate the amount of tax and submit it for reporting to the tax office

In the case of communication with creditors, tax inspectors or other services, most often it is necessary to submit a certificate of income of an individual. It is filled in by the chief accountant of the enterprise according to the established form 2-NDFL

One form of subpoenas and notices is a subpoena. It contains the name of the court and the addressee, the place and time of the upcoming court session, the name of the case and an indication as to whom the addressee is called. Instructions Step 1 Summons sent by the court by mail or through the person to whom the judge instructed to deliver them, are not paid by the addressee, they are delivered free of charge

One hundredth of a whole value is called a percentage. If this whole value is composed of several separate parts, then each of them can be measured in hundredths of the whole. The ratio of the values of these components will be called the percentage

When living, for example, in the same apartment, disputes over utility bills may arise. The solution to the problem in this case would be to open separate personal accounts and amend the lease agreement. However, if one of the family members disagrees, the dispute will have to be resolved in court

During pregnancy, every expectant mother is faced with the question of receiving a lump sum at the birth of a child. In fact, this is a rather difficult question, because it takes a lot of time, patience and documents. Instructions Step 1 Parents or their substitutes are eligible for this benefit

For employment, pension calculation and other situations, you may need to provide your pension insurance number. However, many people not only do not remember it, but do not even know where to find it. If you have lost this number, you can restore it if you know where to go and how to act

Some employers offer new employees not to be legally hired and to pay “black salaries”. By accepting such a proposal, the employee may face a host of problems in the future. Pensions and benefits for "black" wages Companies are required to withhold personal income tax from the amount of official payments to employees, as well as pay contributions to the pension fund, social and health insurance funds from their own funds

The objects of complaints in the banking sector, most often, are employees of credit institutions. However, with the growing popularity of non-cash payments, cases of fraud with the use of bank cards have become more frequent. Having fallen into the trap of swindlers, their victims sooner or later start looking for ways to get their money back and bring the fraudsters to justice

Taking someone else's credit for yourself - what an absurd proposal! Who willingly wants to pay a debt for an irresponsible borrower? But this is only at first glance. In fact, sometimes taking on someone else's obligations can be beneficial to all parties - the borrower, the buyer and the bank

Often, organizations within the framework of their activities have to deal with complete or partial refusal of debtors to fulfill their financial obligations. In this case, it becomes necessary to enforce the collection of funds, up to going to court

TIN is the taxpayer identification number. It contains the code with which the tax authorities order all taxpayers. To obtain a TIN, you must contact the tax office in person or use the electronic service. Obtaining a TIN at the tax office To obtain a TIN, a person must contact the tax office at the place of residence

A non-state pension fund is a special organization that carries out activities for non-state pension provision, state pension insurance. The procedure for creating, registering and carrying out the activities of the fund is regulated by a special federal law

Defect can be found both in the warehouse of the enterprise, and when the buyer returns a low-quality product. Depending on this, in the 1C: Enterprise program, the write-off of defective products is carried out in different ways. This also takes into account the presence of a responsible person and the possibility of correcting the marriage

The act of write-off of goods of the TORG-16 form is used to register the write-off of goods for various reasons. This can be damage, loss of quality of goods or inventory. The document is drawn up in triplicate and signed by the members of the write-off commission and the head of the organization

Labor and military veterans are legally entitled to receive social support from the state to pay for utilities and housing. These benefits are provided to veterans in the form of monthly compensation payments. Compensation does not come automatically with retirement, so you need to go through some registration procedures

Sometimes a long-awaited purchase can be a complete disappointment for us, if at home, upon a detailed examination, you find a clear defect on the jacket, the dress turns out to be one size larger, and the shoes are completely disliked. How do you return all these things back to the store and get the money spent?

A claim is a statement by a client of dissatisfaction with an organization (including a bank) that provides services, including financial services, to consumers. In order for a decision on a complaint to be made, you need to know how to properly file it

When a bank submits an application to the court against an unscrupulous payer, you need to prepare documents, seek help from a credit lawyer, and try to prove the existence of a valid reason for delays. In some cases, the bankruptcy of individuals helps

In the course of economic activity, the heads of organizations are sometimes forced to write off the goods. This can happen for various reasons, for example, the product has expired, or due to inventory, a shortage has been identified. The accountant must reflect these transactions in the accounting

The insurance certificate of compulsory pension insurance is a document that is issued to the insured person and confirms his registration in the state pension insurance system of the Russian Federation. It contains the number of the personal account that is open to this person and is indicated on the certificate itself

In everyday life, for example, when making a purchase, you may be faced with money, the authenticity of which you doubt. In this case, use several methods to check banknotes. Instructions Step 1 If possible, check the questionable bill with a special device

Only a specially trained bank employee is able to correctly check a bill for authenticity. But ordinary citizens also need to have basic skills in identifying counterfeit banknotes. Instructions Step 1 Check out the signs of authenticity of banknotes

There is an opinion that the Russian currency has a high degree of protection against counterfeiting. In addition, the Bank of Russia periodically introduces new modified banknotes with even higher security functions. Nevertheless, there are still fakes

How to find out the address of the tax office? The easiest way to find out is to use a special service available on the official website of the Federal Tax Service. Step-by-step instructions will help to establish not only the address of the inspection, but also the payment details

For a successful entrepreneurial activity, it is necessary to choose the correct tax regime, as well as to know the features of each of them. There are several modes: general, special in the form of a simplified system, ESHN, UTII. Instructions Step 1 To correctly determine the tax regime, you need to make sure that your type of activity does not fall under UTII

State duty - a fee paid by persons in connection with an appeal to state and other bodies for the commission of legally significant actions. For some types of actions, the duty is paid in a fixed amount, for example: 200 rubles for the registration of marriage

Selling real estate is a rather complicated and time-consuming process for both the seller and the buyer. If you, as a legal entity, want to sell a building, be prepared for the fact that you will have to draw up a bunch of documents, as well as reflect all transactions in accounting

Is it possible to use the cable TV service without paying for it at all? It turns out, yes. And for this it is not necessary to cheat with wires, connect to a neighbor, and you do not even need to climb into the dashboard. The method is madly simple, but, unfortunately, it does not always work

Cryptocurrencies are spoken about at every step. Meanwhile, while some consider them a revolutionary trend in the financial market, and others - a global financial bubble that will burst one day, the majority still have a very distant idea of what it is

Modern mobile taxi aggregators have made using this service much more convenient and generally cheaper. However, not knowing how to use them, you can overpay where it is not necessary to do so. If you follow a few simple tips, you can save a lot

The monetary reform of Kankrin (1839-1843) made it possible to streamline the circulation of money in the Russian Empire and had a beneficial effect on the country's economy as a whole. The main result of the transformations is the establishment of the system of silver monometallism, which operated until the 90s

Denomination (from the Latin nominatio - "name") - a change in the face value of a monetary unit in a certain ratio. In the course of denomination, the depreciated money is withdrawn and the old currency is replaced in relation to the new one

Profit is the monetary value of the reward that the company receives for its work. Each leader strives to increase profits - the means for acquiring the benefits of civilization. But how can you get the most of it? Instructions Step 1 Identify the groups of factors that affect the amount of profit

In fact, there is no law stipulating that in 2019 exactly 1,000 rubles will be added to pensions. But there is a law on changes in pension legislation, signed by the President of the Russian Federation on 03.10.2018, according to which a fixed payment to the insurance old-age pension will be indexed from 01 January 2019

Pensions in our country are raised annually, with some exceptions. In 2018, from April 1, social benefits will be indexed. Who will be affected in the first place? Starting from January 1, 2018, monthly payments to all non-working pensioners have been increased

The government has already taken serious steps to raise the minimum wage, which has increased by 40% this year. How much will pension pensions be indexed in 2018 in Russia? Indexation of pensions since 2015 in Russia Remember, not long ago the pension was indexed by as much as the prices increased over the past year, but, unfortunately, this rule was removed

The Central Bank of the Russian Federation revokes licenses from any banks annually. And of course, Russian citizens run the risk of becoming defrauded depositors. To secure their funds, our compatriots, of course, should find out which banks in Russia are the most reliable

Many Internet users today are interested in what bitcoins are. In simple words, it is the most popular and well-known cryptocurrency on the Web. The very same interest of people in cryptocurrencies is quite understandable. After all, the rate of most of them, including Bitcoin, is steadily growing day by day