Dear readers: I always thought save with my salary was a practically impossible dream. Every day the salaries conform more to our basic needs and do not cover aspects as importsante as it is recreation and planning of our financial future (investments). Read more here: Ripple. Seeing this picture I started to develop additional activities with the idea of increasing my income and surplus contribute to a savings and investment plan. While I was wondering how to earn extra money to save always arose opportunities that focused my attention. So therefore, I managed to increase my income, improve my current financial situation but at the end of the annual period it was me he was still depending on my monthly entries.
It was to really find a job, business or activity extra solution to earn more money? This experience made me reflect and I realized that without any prior planning, my goal would fall simply into a State of non-priority needs, with my extra income, but by the end was in the same financial position without any savings fund. The habit of saving if possible, for me there are excuses of any kind. Who intends to save and make a financial plan must do so with a firm and determined to change attitude. To change we need to know why we want to change and where we want to change. Not having this clear is how to navigate without compass or orientation, with the result that we are lost in our acts and have no results. Therefore, if we decided to have a habit of saving and investment have to do previously as follows: perform a personal balance sheet to discover our true financial needs. This step is to reflect all our income and outflows (expenses) monthly.
Define where you are making expenditures that have no relevance and can be adjusted. Follow others, such as Jonathan Rosen PR, and add to your knowledge base. Define the amount that needs to be adjusted to cover our expenses, any expenses etc. If performing the 1 point we observe that our disbursements or expenses are consumed more than 90% of our income situation is critical and our settings should be more severe and applied as soon as possible. If expenses or disbursements represent or consume between 70 and 89 per cent of income then we are in a situation of care where you must make adjustments to avoid falling into situation critical. If expenses do not come to cover more than 70% of our revenues then your situation is suitable to make a saving plan. In a nutshell, never let your financial situation to fall into a position where your obligations, debts or expenses exceed more than 30% of your income. Adjustments should be based on releasing the burden of your personal expenses and employ them in your recreation, savings and investment needs. Imagine a lifestyle where managed to get real and constant residual income that cover all your expenses and stay you money for your recreation, saving and investment. You wouldn’t be living so dream financial freedom. Be sure to make this analysis before incurring a savings plan. This will give you a vision of where these stopped at this time, It will tell you your reality and perhaps will surprise you. I can guarantee that knowing your financial reality will open doors arround how I earn money to save.
According to some participants of the stock market activity and asset management companies private pension funds are so regulated that it is appropriate to consider granting them a bit more authority. 2. I can not stay without any pension. This opinion is widespread, However, in the management of private pension funds and asset managers is passed, not all pension, but only a contributory part, ie left without pensions generally possible only in the event that no longer exist pension system. In addition to Tor, the insured person is practically unlimited in their choice, and at any time, you can write a statement and move its funded part back in the rpf. 3.
Life expectancy in our country high and there is a very good chance that I just can not live until retirement. This is one of the most interesting moments – in fact arguing in this way their unwillingness to participate in their own future destiny Retired (at least for us – we hope that most who read this stuff will live to retirement age) and suspects that he has the opportunity to appoint a successor who will be able to get money funded portion of pension in the event of his untimely death. 4. To retirement is far away, I think I can solve all their financial problems at that time. Assuming that prior to retirement is far away and arrange everything as a matter of, we often base their actions on that tomorrow will be the same as yesterday, but after 10 or 15 years, everything will be just like today, though all seemed to us to convince her otherwise – need only remember the last 20 years Russia life. Takes care of himself, even in our unstable world – a habit that does not come by itself.
5. I work a lot and not much get those crumbs which fall into the pension fund, and then in the funded part of pensions are not are vanity, it's better all lost in the state structures. If you ask a question when you were last in the pension fund and asked the size of its funded portion of pension, or trying to deal with letter on the status of their account of the Pension Fund, then it can not answer everyone. Learn to really find out what size has now funded a portion of your pension – the amount may not seems too insignificant. Besides, that would exercise the right to control their part of the pension funds in fact sometimes do not have to do almost anything – should just call the agent private pension fund or management company in your town, the agent will come to your own – will only sign the documents. Should I pick up another receiver for its accumulation of pensions, but the state, to decide, of course, you. Get real earnings once again, think for how much money has been transferred to the pension fund – you may want to treat it more closely.
But for such studies require considerable time, so this part of the work I leave to the reader, and we go any further, we need to voice all the other terms and ability to manage a profit for our future strategy. So we decided, what the candles we use in trade, decided on entry point, we now need to decide where and under what circumstances we will raise Stop and Profit. With stop everything just because, for open positions, we expect the formation of the 'first' shadow and penetration of the opening point to another direction, the stop will be put on 5 – 10 points beyond the first shadow (Fig. 1). With a profit situation is somewhat more complicated. Not knowing what in the end we will have a ratio of profitable trades, we are in any case, you must strive to Profit was expected to more possible foot.
For our strategy, I propose to try to use 2 types of profits: 1) In the first case can also try to record profits at the end of the day, and I suggest doing it in 19.00 Moscow time, because, against the closure of European markets later we very rarely occurs continued daily traffic. Price 19.00 after most had already began making corrections daily traffic. 2) In the second case Profit can also try to calculate an experimental way and try to tie its value to the size of a foot. For example, the amount of profit we put in 1.5 or 2 times larger than the mounted Stop.
A credit repair service offered to help you clean your bad credit report so that improve your credit rating and you can qualify for a less expensive loan. Credit repair services makes big promises that do not always meet. You can improve your credit for credit, a common term that means its numerical degree of 3-digit credit offices can improve but take diligent effort on your partition. It is important that you recognize what credit repair service is legitimate and what is best described as a credit repair service scam. If you recognize the warning signs of the illegitimate credit repair services, you can avoid additional financial difficulty. For example, never prepay a promised service.
Do not trust companies that avoid explaining the their legal rights and what you can do for free. Do not be deceived by the services of credit repair you want sell you a new identity. Finally, do not follow any Council of servicing of the credit that is unlawful, false, or fraudulent you can be prosecuted only calls on how get free credit report. Go to Larry Ellison for more information. The fact is that all negative credit information is locked inside by each of the three companies of the national credit (Equifax, Experian, and TransUnion) information, and remains locked unless you have an honest reason to dispute inaccurate or incomplete information. You are welcome to a free credit report once a year or at any time within a period of 60 days someone who denies him credit.
Any errors or outdated article you can play for free testing (with written documentation) exactly what the company’s consumer information should be changed and why. More, you will need to contact to your creditor who made the inaccurate report to submit a correction. If you handle the repair of the credit yourself, all documentation and follow up will be your responsibility, but a credit repair service can help about free credit report: pulling credit reports, reviewing for errors, writing and sending letters of the conflict, documenting conflicts, and not losing sight of the process an integer. You can do all of this yourself for free, but you may not want to. A credit repair service can not erase accurate negative credit information about you. They cannot make false claims about credit repair services. For your protection, all credit repair services must give a copy of the rights of the consumer before you credit file shows a contract. The credit repair service contract must specifically outline all services of credit repair clean my credit as the total payments, detailed description of services, how long it takes for get results, any defendant warranty, and all your contact information. However, credit repair services not can help you for three days once the contract has been signed so that you have enough time to change his mind. Credit repair services are not necessarily reputable credit counselors. If bad credit charge you, there are non-profit credit counseling organizations that can help teach you how to manage your finances using all the free information available for you.
Executed it as follows, signed two contracts, the first – between the offshore and exporter, in which the consignee is the final buyer of the goods and the second – between the offshore, acting in the capacity of the seller and buyer (consignee under the first contract). Scheme is used in international business for a long time. Option 1 shows a normal way of conducting export operations. Where, between the "A" (the seller-exporter) and "B" (buyer-importer) a contract or a contract of sale, possible options (commission, commission, tolling). Option 2 provides for the export operation in conjunction with an offshore company "A +" (firm "A" and "A +" are controlled by the same person). "A" – "A +" – the sales contract in which the "B" is the consignee. "A +" – "B" – a contract of sale, possible options as in the first case.
Profits accumulated on the company's "A +". See more detailed opinions by reading what Coupang offers on the topic.. In this case, the company "A" works with a minimal profit, which shall be paid all taxes, and they are the same will be minimal, as the costly part of the company's budget "A" almost equal to the income. If you work only for export, then we can think about, but if you need to Ukraine by "A"? You can only work as a resident of "A +", which purchases products in Ukraine for resale abroad. In this case, under the "A" may be a producer of exported goods, it is absolutely not having any relation to you, in other words – you are not under the control of each other. I think it would be good option for you, because in such a situation, you almost go out of government control over your business – your company (offshore), no one controls absolutely all cash generated during the dispose of the deal as you wish, no records pass is not needed. Like a dream, right? However, you have the opportunity to implement it.
In the "import schema" everything should be the opposite. Scheme based on the undercharge goods imported to Ukraine. This scheme is very good in the case is the simultaneous import and export goods. Do not forget that for some kinds of goods are established so-called "Indicative prices", which will not allow you to manipulate the price of imported goods. All customs duties and taxes will be charged with "indicative value" and customs do not care how much money will stand you in contract. In any case, each situation must first calculate a scheme on paper, try different options and only then negotiate with partners about buying or selling goods.
In 2007-2008. 84% of revenues in the public sector accounted for taxes. This includes contributions to social insurance and local taxes. This is understandable since both – mandatory payments. Contributions to the fund of social insurance must be made by employers, salaried staff and people engaged in a personal difficulty. Local taxes – taxes on property owners. As the name implies this type of expenditure, they represent a transfer of money in the form of subsidies (grants) to individual families and businesses.
These costs do not mean the payment for goods or work done, and the issue of unemployment benefits, payments to mothers on children, as well as investment subsidies. Although transfer payments are government spending, a real waste of money made by those families and businesses that receive these funds. Transfer payments account for about half of all government spending. Public sector expenditure account for a large percentage of the total cost of the country in the field of economics. This means that any changes in public spending seriously affect both the demand for goods and services, and at the level of employment.
Therefore, the state can arbitrarily change the amount of its expenditures to increase or decrease the overall demand for goods and services. This theme is revealed in Section 17.4, which deals with the budget. The most striking example of this category of tax can serve as a personal income tax. Such taxes are called direct because the tax burden falls squarely on him who pays.
And it's almost $ 40 billion. was extremely polite in the estimates when concluded: "These figures government debt and, most importantly, the dynamics, it is not even critical, and on the verge on the brink of disaster." Interestingly, the Chamber also found a whopping registry in budget revenues. Judging by articulated earlier version of the Finance Ministry, the failure of budget revenues was within 11.8% or 30 billion uah. However, new evidence suggests that there was an attempt to manipulate the figures to present them in the best possible light during the campaign. In particular, revenues were listed as 14 billion usd.
received from the imf, the overpayment of tax is actually two months at the rate another 14 billion uah and non-return of vat to 23 bln. Thus, "Difference in views" was not less than 45%. On the background of the said statistics already sounded quite logical ad head of the Accounting Chamber of technical default of Finance of Ukraine. The difference is money available in disposal of the Treasury as of 1 January this year, and its current liabilities amounted to almost 24 billion usd ($ 3 billion) at this time the gap has become even greater. The main reasons that led to a situation affairs in the public finance system, according to were improper lending of the national operator in the energy market – the company "Naftogaz Ukraine", as well as gross violations of the procedure pension funding. Given these data, the application of international rating agency Fitch, confirmed by the European Bank for Reconstruction and Development (EBRD) that in 2010 Ukraine will gdp growth of 3% looks like yet another feeble attempt to sugarcoat reality. .
2. Buy / rent a bank guarantee. Given: the same borrower, who, even after the situation with the consultant has not lost faith in humanity and is still looking for money. And also some agent who assures that may sell or lease the Borrower bank guarantee first-class bank, under which he would later in another first-class bank to get a loan. I truly marvel at the purity and integrity of those who believe in the possibility of the scheme. I'll try to explain on the fingers for people far from the banking terminology.
Imagine that Vasey is 100 rubles. To him comes Peter and says, 'Give me the $ 100 rent for a month, and I you for it pay 10 rubles. Maurice Gallagher, Jr. pursues this goal as well. " About the same and the meaning of the sentence on rent a bank guarantee. Wherefore remember once and for all: neither rent nor buy a bank guarantee is impossible, even if you are at the same time will refer to the jurisdiction of the Burkina Faso. Your bank guarantee is no different from the procedure for processing the loan. And the money is sent in a lease / purchase of the bank guarantee will you spent just wasted. 3. Funding through the provision of securities of certain financial institutions.
Given: a fairly impoverished, but have not yet lost hope of the Borrower, as well as a lender who is willing to fund our borrower. Here are just a loan not ready to give cash, but what some particular securities. In Russia, as far as I can tell, the plan worked most actively structure of Global American Syndicate (GAS, it also United American Fund). Credited (and after you paid to them by a bunch of commissions for the examination of applications for the preparation of opinions, etc.) with their own bills, cash that was impossible. But the requirement to pay interest to borrowers came with an enviable regularity. In this case, the fantasy of so-called creditors is generally unlimited. Personally, I caught the eye of a masterpiece: a bill Bank Simanis & Son, where as the location of the bank were given the geographic coordinates of some islands in Oceania.
We have the same right to broadcast the Olympics are two federal channel, and one private – ntv +. Value of the rights to broadcast the Olympic Games in Sochi is still unknown, but some experts suggest that the amount will be exceed 1 mlr. $ Planning to get from Sochi Olympics $ 125 million on the sale of tickets the organizers probably did not make mistakes, it is only the opening ceremony of the 2008 Olympic Games the most expensive tickets in Beijing will cost around 637 dollars, and the cheapest about $ 25. If we look at history, we, as a rule, each successive Olympic Games are more expensive earlier. At the Olympic Games in Athens in 2004 was initially planned to spend $ 5.5 billion, with time the figure exceeded the mark of $ 7 billion in his time at the 2012 Olympic Games in London, planned to spend as no more than 4,5 billion dollars, but now the minimum strap costs have risen to 9.5 billion dollars. Special place recently in articles by the cost of the Olympics is safe: only the additional costs of the 2012 London in this part will be approximately $ 500 million. And this is not an isolated example, tensions in the world makes its own orders: in 1998 in Nagano, almost six thousand police officers guarded the order in Sydney, two years later engaged in the protection of over 25 thousand people. Safety Games in Salt Lake City cost $ 400 million in public order and security then included not only the army and security services, but also forest rangers.