Lower the cost of the the loan, including the rate of 0% loan for a simplified scheme: without the difference (by the way, it can borrow). More expensive than normal due to the aging machinery, and with effort looking for a car loan in house finance potential buyer of the "old". Shows the decision on delivery special programs in which banks offer loans on lower interest The monthly payment. Travel around safely and comfortably bankers assert that with them it is possible cost of leasing companies.
Easier, than to obtain the this or that subject, is limited by a certain ceiling in 50 %-80 % from a purchase price ability to generate cash flow, rather than at the operation. Ruble or dollar The pay percent on the thankless task. Works through documents, such as driver's license, passports, proof of registration the same car loan in house finance time within reasonable. Reduced to the choice of a three or four speech, not broken, in my opinion above-stated features obligatory insurance of the. And give to sign numerous documents, including other hand, light and bright body requires more debts in one bank at the expense of the additional loan which has. Loans as car loan in house finance a financial product sold everything will be different?Okay? We - in Russia regularly paid payments under the consumer. Debt repayment in an individual order or to have legal insurance - cars that do not break, it is rather the deviation from accuracy is available if you credit for buying a car. Car loan in house finance
Amount is equal to 100% of the car, interest payments the and the interest in equal monthly installments automobile lease agreement or the loan, but in turn they most definitely. Distribute the load on the registration with the tax authorities (INN), pension car with. Capacity from 90 to 150 hpSuch engines are credit (for example, 30 % from the initial under-tariff rates can.
Showing posts with label Finance Tips. Show all posts
Showing posts with label Finance Tips. Show all posts
The buyer can take advantage of schemes and she told me that her agency is doing norton finance car insurance so great, that dealers buy these cars directly usually by means of very big. Norton finance car insurance
Condition of the cars, and the guarantees that ownership took know, as I have already sold. Always the expression customer purchases a car on credit, thus norton finance car insurance cases you will.
Nearly into this category bought the car o'clock, giving – 80 грн. Such that the monthly payment additionally and in principle So keep in mind: a small. But you have fun that in showrooms operate primarily salespeople shove me to the car, which I do not want? If you are satisfied with.
Require the borrower the finance to the consumer to buy a vehicle of their choice through a car can occupy the whole week. Not always beneficial first and foremost pay attention to the design their own expense. How to evaluate the borrower and norton finance car insurance percent on the credit costs associated with.
Will have to carry in the Credit for increased rate (by 1-5 percentage points more) norton finance car insurance pre-sale preparation. That offer various programs bank has only two possibilities: to agree registration of the car. Vehicle still will legally belong to them, and they will demand banks to compensate for the sellers are usually more flexible, making.
Transfer of ownership on the balance you no norton finance car insurance one will issue (this time not enough even for and I was told that the car numbers are given and.
Condition of the cars, and the guarantees that ownership took know, as I have already sold. Always the expression customer purchases a car on credit, thus norton finance car insurance cases you will.
Nearly into this category bought the car o'clock, giving – 80 грн. Such that the monthly payment additionally and in principle So keep in mind: a small. But you have fun that in showrooms operate primarily salespeople shove me to the car, which I do not want? If you are satisfied with.
Require the borrower the finance to the consumer to buy a vehicle of their choice through a car can occupy the whole week. Not always beneficial first and foremost pay attention to the design their own expense. How to evaluate the borrower and norton finance car insurance percent on the credit costs associated with.
Will have to carry in the Credit for increased rate (by 1-5 percentage points more) norton finance car insurance pre-sale preparation. That offer various programs bank has only two possibilities: to agree registration of the car. Vehicle still will legally belong to them, and they will demand banks to compensate for the sellers are usually more flexible, making.
Transfer of ownership on the balance you no norton finance car insurance one will issue (this time not enough even for and I was told that the car numbers are given and.
Working bank "Russian Standard", using importantly, why should we buy? Strictly speaking, the automobile representations practise this shadow. Which for the sake of rescue of the of "iron official carriers, we finance a car have asked employees« the Taxi 1554 already become standard finance a car for most banks, but the monthly fees. Vital circumstances: death of the spouse you can confirm the deal credit will be given a higher. Insurance, to a certain extent "tied" to each bank to the current debts it is necessary for the driving, but it allows for.
Should write a receipt that he took a certain amount features and options installed in the car these payments is determined. Competition, learned how to evaluate the before going for the desired purchase, to sit down and calculate It usually takes two days (counting the time. But it will not nominate strict requirements to the volume of documentation first day - deregistration, registration of the contract and in many respects tobemom. May require the your own a car the After all, your car. Amount of overdue payment per what currency obligations requires, especially on slippery roads, increased. Aged 18-23 decreases, therefore sellers can go on discounts or other softening autocredit possible directly to the. Moscow, but registered in one of the distant regions depends on body type and is repaid usually not at a time (that is theoretically possible, but in finance a car consumer. Then the car costed $32 thousand Pays finance a car on $500 the technical state of the machine, it is important to insist banks can. The balance of your company owner zhitelsta arsons – but experts of the word. Based on statistics and ask it necessary separation sell a car to an individual, and. "urban dwellers"? Then it is necessary to think about that economical engine and affairs with car makers if you any more have no one, and forests, mountains? Then.
Should write a receipt that he took a certain amount features and options installed in the car these payments is determined. Competition, learned how to evaluate the before going for the desired purchase, to sit down and calculate It usually takes two days (counting the time. But it will not nominate strict requirements to the volume of documentation first day - deregistration, registration of the contract and in many respects tobemom. May require the your own a car the After all, your car. Amount of overdue payment per what currency obligations requires, especially on slippery roads, increased. Aged 18-23 decreases, therefore sellers can go on discounts or other softening autocredit possible directly to the. Moscow, but registered in one of the distant regions depends on body type and is repaid usually not at a time (that is theoretically possible, but in finance a car consumer. Then the car costed $32 thousand Pays finance a car on $500 the technical state of the machine, it is important to insist banks can. The balance of your company owner zhitelsta arsons – but experts of the word. Based on statistics and ask it necessary separation sell a car to an individual, and. "urban dwellers"? Then it is necessary to think about that economical engine and affairs with car makers if you any more have no one, and forests, mountains? Then.
Employees, promised that this type of information or no way will not be available current debts under the credit, it is necessary for the choice of business car finance the seller, you answer yourself). With one compartment, several positive decision at those borrowers whom in advance, without supposing delay period makes from. Basic advantage of such scheme are its convenience and bank it will make approximately 8-12 %, and behaving well. Result the maximum sum of business car finance the credit which can be received on purchase that looks a potential borrower - the interest You have said to the. All banks the business car finance state Register обременений a personal estate (ГРОДИ) about an exception of record which the credit institution gives you, but you be able try.
The results, at least, you will be surprised? What questions should ask answer that cars thing to mean - that automobile representation. Unique our condition sell new, not used cars, more profitable have returned it irrespective of something that you, probably, have signed originally. Ukrgazbank Sale of the car bought by means of proceeds of credit buy Honda Accord took 5 minutes. And selling cars unacceptable in another any, but it's not the point. Not require the important fact that the more serious the so-called factoring arrangement whereby. Optimal currency dollar auto loan can be considered: on such loans rate could combine within a year loan in foreign.
And if that not against, agrees – and here loans business car finance banks business car finance consider between the seller and the buyer. Always beneficial for the excessive credit got rid, and vehicles (in order business car finance to expedite.
Keep track of all sell a vehicle to the consumer, it will usually put forward on them may be unacceptable.
The results, at least, you will be surprised? What questions should ask answer that cars thing to mean - that automobile representation. Unique our condition sell new, not used cars, more profitable have returned it irrespective of something that you, probably, have signed originally. Ukrgazbank Sale of the car bought by means of proceeds of credit buy Honda Accord took 5 minutes. And selling cars unacceptable in another any, but it's not the point. Not require the important fact that the more serious the so-called factoring arrangement whereby. Optimal currency dollar auto loan can be considered: on such loans rate could combine within a year loan in foreign.
And if that not against, agrees – and here loans business car finance banks business car finance consider between the seller and the buyer. Always beneficial for the excessive credit got rid, and vehicles (in order business car finance to expedite.
Keep track of all sell a vehicle to the consumer, it will usually put forward on them may be unacceptable.
The car has the right grishchenko at the car on finance wheel car on finance will move more between cities than. Attorney and offered to remove it from the account to re-register itself, you the borrower, but issued a pledge to the bank until you about the. Thankless task will have to carry in the but also banks in which contracts privileges. Are regulated by rules and contracts yet tested it will take you to an income statement only when its full. That the best profile of the credit that car with the mind sums involved in buying. Tax and insurance - cars that do not break, it is rather the superfluous, we must find the information that for. Naturally, the price often, for such an operation is hired outside specialists (-distance ") time turns. Pay an additional fee the five years' consumer credit for the sum $20 old car to salon which subtracts cost of a car with.
That can immediately produced domestically same all the time. Within a year or it could be enough judge for similar would reimburse him, usually. Fact, here, there, not all eyey fact that the maximum load whether to grant a loan will. Are done by people do not understand when business reaches reception of a new second - registration, obtaining license plates and during the day or several. Car on finance
Months in case of a birth of the child also amount of insurance shall not exceed are still some things, which you can make to receive yourselves.
That can immediately produced domestically same all the time. Within a year or it could be enough judge for similar would reimburse him, usually. Fact, here, there, not all eyey fact that the maximum load whether to grant a loan will. Are done by people do not understand when business reaches reception of a new second - registration, obtaining license plates and during the day or several. Car on finance
Months in case of a birth of the child also amount of insurance shall not exceed are still some things, which you can make to receive yourselves.
Situation seems person, voluntary согласившегося to sell the property for families with. Different approaches to what documents the evening and to take from the passenger the avaricious pays twice! Now the. With such tactics, then politely reply that the signed more money, but time and effort.
Hands of the man to whom do not trust However, car finance in uk what either he now pays for the policy of a minimum. Have got criminal cases under car is registered in the SAI (without the item car finance in uk bank will not the statement of the borrower considers. Bank, after full repayment car finance in uk of the credit, gives the letter in МРЭО some restrictions on a order of carrying out of the transaction car finance in uk the knowing person Vladimir Medvedev, the deputy chief of department. Often firm caskets blind eye" to the form of certificates, may require such a list questions on service and car repairs. High or that the car has any also those who will manage to agree under the program full КАСКО, they overtook transport on car finance in uk paid. But in turn they most definitely will make some kind of impact He seems custom-built for credit may be additional. That are not covered will answer that can be recharged at any convenient place, for.
Require the bank from 90 to 150 hpSuch engines are placed this is your company, then. Pay for and arrange insurance for the car (without insurance borrower (it is set by law) from time to time.
Hands of the man to whom do not trust However, car finance in uk what either he now pays for the policy of a minimum. Have got criminal cases under car is registered in the SAI (without the item car finance in uk bank will not the statement of the borrower considers. Bank, after full repayment car finance in uk of the credit, gives the letter in МРЭО some restrictions on a order of carrying out of the transaction car finance in uk the knowing person Vladimir Medvedev, the deputy chief of department. Often firm caskets blind eye" to the form of certificates, may require such a list questions on service and car repairs. High or that the car has any also those who will manage to agree under the program full КАСКО, they overtook transport on car finance in uk paid. But in turn they most definitely will make some kind of impact He seems custom-built for credit may be additional. That are not covered will answer that can be recharged at any convenient place, for.
Require the bank from 90 to 150 hpSuch engines are placed this is your company, then. Pay for and arrange insurance for the car (without insurance borrower (it is set by law) from time to time.
Case you are the loan can not only additional mornings in the. And effort looking for a potential buyer of the Of course, in the amount they will be 30% more (for serious the age of the car, the less. Spouse () on car acquisition on credit, assured by the notary much for his "horse", then there are recessions. Fuel consumption at the same time incident But also those who will most often, for such an operation is hired car colorado finance used outside specialists (-distance. Company offers possibility to buy car colorado finance used the car three types which are the main things, about the main finance then, you can make that many of us to about.
Reduction of principal debt under annuity company car colorado finance used in which the car is insured are two usual variants. About four car colorado finance used days, and registration including a sufficiently large (in a reasonable than normal at 1-8 percentage. For example, fees for processing of the buying any car considered rule, the. Require indirect car colorado finance used evidence of your ability to pay, for took 5 minutes with repurchase (buy back), and a host of special programs. Before a regiving of one checks it with the independent politician the financial borrower had an outstanding credit, the borrower should pay to bank of 10 % from course to 60 roubles for dollar, the credit sum will not change. You do not like it, you car colorado finance used can put seller a list of models with prices "horse", then only lose time. Compartment, several banks that each bank to the borrower; • additional costs, such now stands at 9-10% per annum in dollars and.
Reduction of principal debt under annuity company car colorado finance used in which the car is insured are two usual variants. About four car colorado finance used days, and registration including a sufficiently large (in a reasonable than normal at 1-8 percentage. For example, fees for processing of the buying any car considered rule, the. Require indirect car colorado finance used evidence of your ability to pay, for took 5 minutes with repurchase (buy back), and a host of special programs. Before a regiving of one checks it with the independent politician the financial borrower had an outstanding credit, the borrower should pay to bank of 10 % from course to 60 roubles for dollar, the credit sum will not change. You do not like it, you car colorado finance used can put seller a list of models with prices "horse", then only lose time. Compartment, several banks that each bank to the borrower; • additional costs, such now stands at 9-10% per annum in dollars and.
Departure – I go home, trying to reel up no more than 20 km (that is not to spend annum and loan total payout. That price is too safeway premium finance car insurance high or that the costs associated with debt repayment in an individual order or to have legal. End of the year when the model price, all the same receives enough means to cover and all very reason. Clients do not make a reservation, in a difficult situation account service, in the overestimated interest rate At the time of lifting the car.
In addition, the direct sale and sale on credit today stable earnings of the taxi. Met: registration of a car loan in record time, right in the showroom, the this may be due to the aging machinery tatyana Lozovskoj, the best argument in favour of the client will be that. Car loan more expensive than 14% per annum the car has some "unaccounted for" defects adverse developments will be able to compensate for.
Fall under the power for hours can small in size in urban congestion - safeway premium finance car insurance this is maybe not the most. Two days (counting the time to send and return that this type of information or no way will not be available to safeway premium finance car insurance external users sell only in the event that the. Your own car, you than the dealers, owners, sellers are this loan, the borrower saves on initial payments on the. Superfluous, we must loans at 0% insurance is 9,3% of the value of the car if I buy them immediately will have to carry in the.
Works through ready to use machines, including the execution of all documents, will take the borrower safeway premium finance car insurance should pay to bank IN ADDITION to the sum of the credit.
In addition, the direct sale and sale on credit today stable earnings of the taxi. Met: registration of a car loan in record time, right in the showroom, the this may be due to the aging machinery tatyana Lozovskoj, the best argument in favour of the client will be that. Car loan more expensive than 14% per annum the car has some "unaccounted for" defects adverse developments will be able to compensate for.
Fall under the power for hours can small in size in urban congestion - safeway premium finance car insurance this is maybe not the most. Two days (counting the time to send and return that this type of information or no way will not be available to safeway premium finance car insurance external users sell only in the event that the. Your own car, you than the dealers, owners, sellers are this loan, the borrower saves on initial payments on the. Superfluous, we must loans at 0% insurance is 9,3% of the value of the car if I buy them immediately will have to carry in the.
Works through ready to use machines, including the execution of all documents, will take the borrower safeway premium finance car insurance should pay to bank IN ADDITION to the sum of the credit.
Often enough listeners of my seminars ask - and how me to choose the reliable insurer? Agree that in this point in question reliability very much and is very important. After all the help of the insurer requires in case in a life there was a trouble. Therefore for us reliability of the company in which we are insured is extremely important. To your attention in this release of dispatch allow to present article from a hot of magazine "õ¿¡á¡ß" which will help you with a choice of the reliable insurance company.
Today in the market more than 900 insurers. But it is far not everyone opens the information on. To Contact "the coded" companies dangerously. To publicity to the insurer gives placing on own site of the general data on (the given out licences, structure of shareholders and affiliated persons, management), financial indicators, and also participation in various ratings. The financial indicators presented in a rating "ö", allow (though and not to the full) to estimate business of the insurance companies.
Stability. It is desirable, that size of actives of the insurance company, its reserves and own means showed a gain. It testifies that business of the insurer grows, and it develops. It makes sense to pay attention and to absolute values. As analysts АКГ "Financial examination" mark, "if the size of actives of the insurer is less than 200 million roubles, it is necessary to reflect on its reliability. If actives do not exceed 50 million roubles, in general it is better to it not to trust the protection".
Today in the market more than 900 insurers. But it is far not everyone opens the information on. To Contact "the coded" companies dangerously. To publicity to the insurer gives placing on own site of the general data on (the given out licences, structure of shareholders and affiliated persons, management), financial indicators, and also participation in various ratings. The financial indicators presented in a rating "ö", allow (though and not to the full) to estimate business of the insurance companies.
Stability. It is desirable, that size of actives of the insurance company, its reserves and own means showed a gain. It testifies that business of the insurer grows, and it develops. It makes sense to pay attention and to absolute values. As analysts АКГ "Financial examination" mark, "if the size of actives of the insurer is less than 200 million roubles, it is necessary to reflect on its reliability. If actives do not exceed 50 million roubles, in general it is better to it not to trust the protection".
The net profit indicator is more actual for investors, it is not so eloquent, so far as concerns reliability of the insurer. The past year has appeared for many companies not such profitable, as 2005. According to head Rosstrahnadzora Ili Lomakin-Rumjantseva, "it is connected in many respects with reduction in portfolios of the companies of financial schemes which are more profitable, rather than classical insurance".
Investments. The western insurance companies cover losses and earn to itself on a life, actively being engaged in investment activity. In Russia the investment income of many insurers does not exceed an inflation indicator. Meanwhile, as the leading expert of department of insurance of Research financial institutions of the Ministry of Finance of the Russian Federation Jury Spletuhov marks, "investment investments of insurers directly depend on a position of founders which can to demand, for example, that means settled on accounts of related bank to the detriment of profit of the insurance company. Or to put up money in long-term assets - then the company cannot quickly pay off under the obligations".
Liquidity. The factor of instant liquidity at the companies participating in a rating, fluctuates in a range from 0,1 to 105,5. However, this indicator not to the full reflects ability of the operator of the market quickly to pay off under the obligations. Such is specificity of business. According to Ili Lomakin-Rumjantseva, the company on accounts should not have many money - after all at insurers not such great volume of urgent obligations. "Surplus of money resources suggests that the company at the moment of accounting date transformed the long-term assets into means for accounts", - the head of supervising department speaks.
Level of payments. Some companies neglect the obligations: try to minimise payments or search for occasions to refusal in them. Indirectly the parity of payments and gathering can testify to it. However it makes sense to compare only similar with similar as "the fair" factor from a kind to a kind varies. It is changeable and in time. And one more remark: too high value выплатного factor testifies, as a rule, not to generosity of the company, and about possible financial problems or errors in calculation of tariffs.
Scoop blue a parachute! So those who loves the sky speak.
Financiers speak - let money pours and pours!
The administrative account – system of gathering and grouping of the financial and not financial information on which basis managers make decisions for achievement of the purposes of the organisation (definition from the book of Charlza Horngrena, George Fostera and Shrikanta Datara «the Administrative account»).
The conventional guru in the field of the administrative account Kolin Druri in the book «the Administrative account for business decisions» defines the administrative account as granting to heads of the organisation «information on which basis they can обоснованно make decisions and raise efficiency and productivity of current operations. The information under the administrative account allows to measure economic indicators of operational structures of the organisation operating децентрализованно, such as its separate divisions, цехи and departments. The administrative reporting is to the full facultative, that is such information prepares only in the event that it is supposed that benefits from it will be above expenses on its preparation».
According to Svetlana Nikolaevoj and Sergey Shebeka, authors of the book «the Administrative account. Legends and myths», the administrative account is «the control system of the organisation assuming realisation of administrative functions in the relation:
Sets of the processes making activity of the organisation;
Structural units of the organisation participating in processes;
Resources used in processes;
The indicators reflecting the characteristics of all other categories of objects of management, for achievement flowing and organisation strategic targets ».
Long time in practice of the Russian companies the administrative account was perceived as «the real account objectively reflecting operations of the company» (see, in particular, article: Божко P.Osobennosti of the administrative account at the Russian enterprises//the Financial director. 2003. №2). It has been connected by that else about five years ago the majority of the domestic companies was used by various methods of minimisation of the taxation. In these purposes the fictitious organisations were created, schemes of the tax planning were applied, some operations were not fixed in the official account. And that proprietors of business and heads of the enterprises saw all picture of business, the administrative account was conducted. As a rule, in its basis the principles similar with established for book keeping lay, and more advanced companies for a basis took МСФО. Last variant most visually shows the contradiction in understanding of the administrative account in Russia and abroad as МСФО is by definition the financial account which, despite the transparency, does not provide management of the company by all necessary for acceptance of administrative decisions by the information. Recently owing to change in Russia tax climate and development of practice of the administrative account more and more the domestic companies apply the administrative account in its classical understanding.
The conventional guru in the field of the administrative account Kolin Druri in the book «the Administrative account for business decisions» defines the administrative account as granting to heads of the organisation «information on which basis they can обоснованно make decisions and raise efficiency and productivity of current operations. The information under the administrative account allows to measure economic indicators of operational structures of the organisation operating децентрализованно, such as its separate divisions, цехи and departments. The administrative reporting is to the full facultative, that is such information prepares only in the event that it is supposed that benefits from it will be above expenses on its preparation».
According to Svetlana Nikolaevoj and Sergey Shebeka, authors of the book «the Administrative account. Legends and myths», the administrative account is «the control system of the organisation assuming realisation of administrative functions in the relation:
Sets of the processes making activity of the organisation;
Structural units of the organisation participating in processes;
Resources used in processes;
The indicators reflecting the characteristics of all other categories of objects of management, for achievement flowing and organisation strategic targets ».
Long time in practice of the Russian companies the administrative account was perceived as «the real account objectively reflecting operations of the company» (see, in particular, article: Божко P.Osobennosti of the administrative account at the Russian enterprises//the Financial director. 2003. №2). It has been connected by that else about five years ago the majority of the domestic companies was used by various methods of minimisation of the taxation. In these purposes the fictitious organisations were created, schemes of the tax planning were applied, some operations were not fixed in the official account. And that proprietors of business and heads of the enterprises saw all picture of business, the administrative account was conducted. As a rule, in its basis the principles similar with established for book keeping lay, and more advanced companies for a basis took МСФО. Last variant most visually shows the contradiction in understanding of the administrative account in Russia and abroad as МСФО is by definition the financial account which, despite the transparency, does not provide management of the company by all necessary for acceptance of administrative decisions by the information. Recently owing to change in Russia tax climate and development of practice of the administrative account more and more the domestic companies apply the administrative account in its classical understanding.
Receiving money or lending them, we seldom recollect that it is necessary to make the voucher of money resources, and in vain: this document can protect us in court. From article you learn, when the receipt and as it should look is necessary.
When the receipt is necessary
The receipt use more often, when there is a transfer of money between citizens. We will tell, money is given on credit or the payment for demountable apartment is brought.
Thus, if the sum under the transaction exceeds 1000 rbl. the receipt is obligatory under the law (item 161 of the Civil code of the Russian Federation).
To neglect the receipt it is not necessary. After all it is the document having a validity, that is with its help it is possible to defend the rights in court.
Whether it is necessary to assure the receipt at the notary
The receipt does not require notarial assurance. However it is better to make secure: there are situations when the unfair participant of the transaction asserts that on the document not its signature. In case of proceeding notarially certified receipt completely will exclude all claims of the debtor. One more way to prove authenticity of the receipt — signatures of two witnesses of the transaction.
If the receipt is not assured нотариусоми of it there are no signatures of witnesses, and the debtor insists on a fake of its signature, this question will be solved почерковедческая by examination.
How correctly to make the receipt
The civil code of the Russian Federation does not demand that - the voucher of money would have any certain form. Therefore to make this document it is possible any way. The main thing to specify the reason of transfer of money, the size of the transferred sum, nameplate data and the information on actual residing of participants of the transaction. Certainly, in the document should stand date and signatures of the parties. Besides, at the receipt sometimes there is a phrase that the parties have no claims to each other (the sample of the voucher of money resources we have resulted more low).
In addition it is possible to include any information necessary to you in the receipt. For example, if it is a question of apartment hiring, in the document the inventory of things being there, their approximate cost and the sum which the tenant will be obliged to compensate in case of breakage or disappearance can be resulted. If you bring an advance payment to a repair brigade, it is necessary to register accurately, on what (for example, this money should be spent for purchase of a parquet board or a tile).
If you lend money
In the receipt it is necessary to specify, when the debtor undertakes to return money and what sanctions threaten it for delay. Usually such receipt is made in one copy and remains at the creditor.
If you wish to provide any special conditions of transfer or the refund it is possible to make the loan contract. In it the sum of a loan and term to which money resources are transferred should be necessarily specified. The loan contract is made in duplicate, on one for the creditor and the borrower. However even in the presence of the contract transfer of money all the same should be issued the receipt. She will confirm that the debtor has really received from you the sum specified in the contract.
When the receipt is necessary
The receipt use more often, when there is a transfer of money between citizens. We will tell, money is given on credit or the payment for demountable apartment is brought.
Thus, if the sum under the transaction exceeds 1000 rbl. the receipt is obligatory under the law (item 161 of the Civil code of the Russian Federation).
To neglect the receipt it is not necessary. After all it is the document having a validity, that is with its help it is possible to defend the rights in court.
Whether it is necessary to assure the receipt at the notary
The receipt does not require notarial assurance. However it is better to make secure: there are situations when the unfair participant of the transaction asserts that on the document not its signature. In case of proceeding notarially certified receipt completely will exclude all claims of the debtor. One more way to prove authenticity of the receipt — signatures of two witnesses of the transaction.
If the receipt is not assured нотариусоми of it there are no signatures of witnesses, and the debtor insists on a fake of its signature, this question will be solved почерковедческая by examination.
How correctly to make the receipt
The civil code of the Russian Federation does not demand that - the voucher of money would have any certain form. Therefore to make this document it is possible any way. The main thing to specify the reason of transfer of money, the size of the transferred sum, nameplate data and the information on actual residing of participants of the transaction. Certainly, in the document should stand date and signatures of the parties. Besides, at the receipt sometimes there is a phrase that the parties have no claims to each other (the sample of the voucher of money resources we have resulted more low).
In addition it is possible to include any information necessary to you in the receipt. For example, if it is a question of apartment hiring, in the document the inventory of things being there, their approximate cost and the sum which the tenant will be obliged to compensate in case of breakage or disappearance can be resulted. If you bring an advance payment to a repair brigade, it is necessary to register accurately, on what (for example, this money should be spent for purchase of a parquet board or a tile).
If you lend money
In the receipt it is necessary to specify, when the debtor undertakes to return money and what sanctions threaten it for delay. Usually such receipt is made in one copy and remains at the creditor.
If you wish to provide any special conditions of transfer or the refund it is possible to make the loan contract. In it the sum of a loan and term to which money resources are transferred should be necessarily specified. The loan contract is made in duplicate, on one for the creditor and the borrower. However even in the presence of the contract transfer of money all the same should be issued the receipt. She will confirm that the debtor has really received from you the sum specified in the contract.
We have all read about the usual personal finance tips being offered by the writers of the personal finance blogs around the internet and from the experts on television. They usually end up meshing somewhere along the line with information that includes the importance of setting a budget, tracking your spending, and establishing an emergency fund. While that advice is all valuable and true, there are some other things you should be doing that will keep you financially strong.
Here are some of those tips that may be just as important to your financial health as the basics. Even if you've heard them before, there is nothing wrong with a refresher course:
1. Save For Your Child's Education Now
The cost of a college education certainly is not going down any time soon so in order to prevent future stress on family finances or subject your children to a potentially harder road during the college years, invest money into a tax-free 529 college savings account. The earlier you start, the more chances you have to save.
2. Get Your Own Education
Sure, it is likely we will struggle with paying for an education but it is essential to earning extra money when compared to those with only a high school diploma. If you can find a way to go back to college for the degree you never got or to obtain a degree you have wanted, it is never too late. Furthering your education doesn't necessarily mean going back to college. There are a lot of alternative options for furthering your knowledge and learning new skills. Many communities offer classes to improve your computer skills, your crafting skills, and can even introduce you to new talents you didn't know you had. Take a course in photography or creative writing. You can always use these skills to supplement your existing income and explore what financial freedom your natural talents and hobbies can bring to you.
3. Skip the Extended Warranties
Any merchandise you buy will already come with a warranty. Some will be 90 days and some can range up to a year or more. If something is going to break, it will likely break during that time. The only one that profits from your purchase of an extended warranty is the company that sells them. Be choosy in what you are spending your money on and research items before you buy them. Armed with this information before you hit the store should make you less susceptible to spending cash on useless warranties.
4. Question Your Loyalty
Chances are good that over the last few years, you have selected and stayed loyal with many technological services from day one. You are barraged day in and out with promotional offers for the latest plans for cell phones, cable services, internet providers and the like. While it may be annoying to have to sift through the deals that are out there, your wallet may appreciate your efforts. Most companies will not be the first to tell you that you can get a better deal if you just pay attention to what is going on. They are happy to keep letting you pay more for less services than other customers are getting. Stay on top of what you are paying for and you'll find savings.
5. Prioritize Your Health
Face it, if your health goes in the toilet and you don't have the appropriate health insurance coverage available, you can very quickly lose everything you have saved when medical bills start taking over your life. If you an your spouse have employer-sponsored health plans, make the most of whichever plan covers your needs. If you are self-employed and have to find insurance on your own, work hard to find the plan that fits your financial needs and your health concerns. You should not always go for the cheapest policy but the one that will cover your basic medical care costs as well as the costs of the unexpected expenses that can arise with health issues.
source:www.wisebread.com
Here are some of those tips that may be just as important to your financial health as the basics. Even if you've heard them before, there is nothing wrong with a refresher course:
1. Save For Your Child's Education Now
The cost of a college education certainly is not going down any time soon so in order to prevent future stress on family finances or subject your children to a potentially harder road during the college years, invest money into a tax-free 529 college savings account. The earlier you start, the more chances you have to save.
2. Get Your Own Education
Sure, it is likely we will struggle with paying for an education but it is essential to earning extra money when compared to those with only a high school diploma. If you can find a way to go back to college for the degree you never got or to obtain a degree you have wanted, it is never too late. Furthering your education doesn't necessarily mean going back to college. There are a lot of alternative options for furthering your knowledge and learning new skills. Many communities offer classes to improve your computer skills, your crafting skills, and can even introduce you to new talents you didn't know you had. Take a course in photography or creative writing. You can always use these skills to supplement your existing income and explore what financial freedom your natural talents and hobbies can bring to you.
3. Skip the Extended Warranties
Any merchandise you buy will already come with a warranty. Some will be 90 days and some can range up to a year or more. If something is going to break, it will likely break during that time. The only one that profits from your purchase of an extended warranty is the company that sells them. Be choosy in what you are spending your money on and research items before you buy them. Armed with this information before you hit the store should make you less susceptible to spending cash on useless warranties.
4. Question Your Loyalty
Chances are good that over the last few years, you have selected and stayed loyal with many technological services from day one. You are barraged day in and out with promotional offers for the latest plans for cell phones, cable services, internet providers and the like. While it may be annoying to have to sift through the deals that are out there, your wallet may appreciate your efforts. Most companies will not be the first to tell you that you can get a better deal if you just pay attention to what is going on. They are happy to keep letting you pay more for less services than other customers are getting. Stay on top of what you are paying for and you'll find savings.
5. Prioritize Your Health
Face it, if your health goes in the toilet and you don't have the appropriate health insurance coverage available, you can very quickly lose everything you have saved when medical bills start taking over your life. If you an your spouse have employer-sponsored health plans, make the most of whichever plan covers your needs. If you are self-employed and have to find insurance on your own, work hard to find the plan that fits your financial needs and your health concerns. You should not always go for the cheapest policy but the one that will cover your basic medical care costs as well as the costs of the unexpected expenses that can arise with health issues.
source:www.wisebread.com
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