Posts Tagged ‘finance’

Understanding Pensions

The still believed some time ago as secure pensions in recent years have lost more and more security. There are too few children born that could take the pension benefits of the next generations. There are thus more and more old people, these are off only a small class of young people. The good concept of the generational contract seems his task is no longer grown. flee for fear of financial ruin for the elderly and the low amount of state pension, many people are now in a private insurance To the trend of scaremongering about the love of money counter, the Federal Government has decided five years ago (2002), the Riester pension.

The concept of retirement is based on the fact that workers pay an amount of their income into a private pension scheme. This monthly amount will depend on the amount, funded by payments of the state .. Therefore, experts recommend to raise the highest possible amount for the Riester pension, as it grants the government increased. You will be assisted by the State to reserve for the age.The Riester pension runs on a completely voluntary basis, no one needs to participate in these private pension system. Because private provision is becoming more and more importance to preserve the Riester pension as state support before the ruin of the elderly and guarantee a secure retirement. It must be noted, however, that one enters into a binding contract and should be aware of his actions very closely. to keep the own financial budget in mind is, is of utmost importance. However, it is highly recommended even now make even thought about the financial future, so as not to live in later life of loans.


If you want to evaluate all the pros and cons of the mortgage on their own experience, do not rush to issue certificates and go camping on the banks to obtain the necessary information. If you're a busy person and value your time, take advantage of Internet and try to answer all questions with a mortgage calculator. In a few minutes you will be able to calculate their mortgages without leaving home. The name "mortgage calculator" speaks for itself. Main The purpose of this program is in the calculations relating to loans. Mortgage calculator is used, for example, when you need to determine the monthly amount of interest, starting from the time a mortgage loan, its amount, as well as interest rate, or when required to determine the maximum loan amount based on their income and time for which the loan is taken. Mortgage Calculator offers all possibilities to borrower could realistically assess the situation and their own strength, you need only enter the correct input data. But still, it should be noted that the program does not take into account such additional costs as a fee for opening and maintaining accounts, cashing cashless funds, lump sum commission of bank, insurance costs for state registration of housing. From all these payments mortgage payments significantly increase. Mortgage Calculator frees you from having to delve into their own cunning calculation formulas associated with lending, or ride the advice of the bank employees. Using this program, you will save precious time.

What Is To Be An Accountant In Tula ?

Formerly an accountant took only unpromising young ladies with specialized secondary education. In general, a profession in Soviet times was not considered too prestigious, and very promising. However, Times have changed and after the transition to a capitalist market model in the early 1990's, it turned out that literacy specialists in design of financial records is fairly small, and the number of firms grew like an avalanche. Soon the labor market was clearly visible shortage of staff able to deal with finances at all levels: from ordinary accountants, to the various auditors and experts of relevant departments. Circumstances developed so that the accountant in Tula, moving from the state organization could receive for the same work in the commercial division of wages is even five times higher. This very fact has prompted many people in one way or otherwise associated with work in finance, go for retraining courses, and to study accounting. After this limit the job market, the accounting profession has become much more prestigious, popular, and most importantly – the beginning of adequately paid. However, to this day the need for an accountant in any enterprise is great and a good accountant can easily find a job with normal working conditions and pay.

Car Lease Contract

lease the first person gives the second vehicle for a fee at the time. If the term is not defined in the contract, then the contract is indefinite. If the contractor notified no later than one month, then the tenant and the landlord the right to refuse obligations. In the list of recognized under the simplified system costs pp. 4 in 1 tbsp. 346.16 Tax Code specified rental payments. Thus, the amount paid under the lease contract, reduces the tax base.

Fee rent is determined by the parties and not standardized. But tax authorities have the right to verify pricing. Using avtotranspotrnymi means employees, the company has the right, except for rent, deduct maintenance costs Vehicles (fuel, oil, etc.) according to Secs. 12 n. 1, Art. 346.16 Tax Code. To account for the need to issue waybills. Maybe fill them every day, but, for example, once a month or a week, reflecting each trip.

Incidentally, the Finance Ministry admits that the company used its own forms if they have the necessary requisites. Spending on car rental organization based on the basis shall be entitled to include in the expenses for tax purposes if These costs are documented and economically justified. In this case, the documents confirming the expenditure for the purposes of calculating income tax in accordance with Sec. 1925 Tax Code, are as follows: The lease vehicles; Act round-trip avtotranspotrnogo means; act works performed, services rendered; Trip Sheet. At pow. Registered tenant costs which are associated with the current leasehold avtotranspotrnogo funds are accounted for Depending on where the used the rented object. Under the Plan of Accounts for the firm can use the following account of cost accounting: 20, 23, 25, 26, 29, 44. For tax purposes, these costs are taken into account in full volume and other expenses in the period in which they were implemented. But only if these costs are covered by the landlord under the lease. vat taxpayers recognized the organization and individual entrepreneurs. Nat. Persons who are not entrepreneurs, respectively, are not subject to vat. In addition, services to provide rental vehicles, provided by an individual, not is an entrepreneur, the vat will not be taxed. Therefore, include the amount of value added tax in the amount of rent the company should not be. Payers of income tax nat. Entities are physical. Persons who are tax resident in Russia, as well as physical. Individuals who receive income from sources in Russia, and are not tax residents of Russia. Hence, the income derived from rental or other use of property located at Russia, will apply to income derived from sources in Russia. Thus, the income nat. Person received from the rental of vehicles, subject to income tax under the conditions provided for in Sec. 23 nc Russian Federation. It turns out that you have to remember that schislyaet and keeps the tax firm serving the tax agent. If a company applies usn, awarded nat. face lease a car without a crew, then the rent charge vehicle owners insurance premiums charged should not. If a lease car with the crew concluded with the entrepreneur and his certificate of registration is not specified property letting, the tax on Income nat. Person is held with the employer.

Financial Fraud

Strictly speaking, you see someone and have time to save this 'warning' (although, in practice, our people for some reason, until recently, believed in a miracle). The following schemes are not new in the world of a hundred years old at lunch, and in Russia the first ten people to rejuvenate himself in them there, but nonetheless naive citizens remain very much. So: 1. Raising finance for a business plan / conclusion of a certain consulting firm. Given: a) potential borrowers, who is either desperate to get funding from Russian banks, or heard of 'cheap' foreign money and wants to get a lot of money and cheap and b) a consultant who has' enormous bonds in foreign banks, and attracted hundreds of millions of dollars of funding in Russia.

" Just something and you need that order from the consultant to develop an investment memorandum, business plan, Ali still something very sonorous, and this will cost Document inexpensive. I always wondered why the borrowers are not worried by the fact that the consultant conducting the meeting or at some station cafe, or in a shabby office from one room with two chairs. Do not comes up with the idea that if the consultant has attracted funding for hundreds of millions of dollars, so at least one or two million were to settle in his pocket as a commission. Apparently, the Borrower magic acts Consultant phrase 'I have preliminary talks with superbanks, and he agrees to finance your project. " The result is usually the same: after the transfer of money for a memorandum talks with superbanks gradually nullified.