Tag: finance

In our times of crisis and economic situation directly affects the welfare of all segments of society. This is felt especially when we begin to need a specific amount of money: to buy urgently property to pay children's education, pay off loans to start a stable business, etc. Therefore, the presence of many important question about the need to provide yourself and your family real financial support, which can very quickly take in every moment. From this position will review and analyze the existing system of bank lending. For this is the first step, which are many. If this has piqued your curiosity, check out Tony Parker. Thus, the analysis shows that: 1) banks provide loans at high annual interest rates – up to 65%, and even more (with a variety of hidden fees), and 2) each turned to the banks for a client requires statement of earnings, sureties, mortgages, etc. And this has not confidence that you will be given the required amount.

And it takes enough time (and perhaps lost), 3) charge high interest on overdue loan repayments, and 4) there are certain categories of people who may not give a loan: private entrepreneurs, reporting on simplified taxation system, employees of mlm, with low wages, etc. And if, as a result of all this man still gets the credit he gets in enslaving terms of the bank. We compare the lending terms of population in other countries, at least in the first paragraph: in Western Europe provides loans of 3-5% per annum, while in Japan and at all issued interest-free loans.

In paragraph 44 and in the relevant sections of the Law "On income tax from the citizens " shows how the taxation of remuneration of artists. Amounts and interest rates are identical to the amounts and rates for income other citizens. However, we are talking about income, received one-time fee. Suppose you need to get on the costs 7,000 rubles in cash. Since this amount is paid in the form of royalties, which then you assign to productive costs, and not to fund salary, then, first, you save on payroll, and, secondly, the bank must issue a fees freely. These funds are the same as those that you spend on the purchase of raw materials.

But if such Bank operations will give you money just by wire transfer or maximum amount, in this case, the fee, he must give the full amount. Next. Due to the fact that we are talking about work, as done for the year, for 7000 fee provided for 98 rubles 40 kopecks tax plus 12 per cent of the amount exceeding 1200 rubles. So if you have what is called a non-cash pumped into cash, this is a great way, if we allow ourselves to follow the logic dealers of the shadow economy. And if you want to remove 20,000? Or 40 thousand? And then there is no problem. Because according to paragraph 48 of instruction number 83 in the presence of contracts for the creation, publication, performance or other use of works of art remuneration, subject to taxation, divided by time (in years) of the contract.