## Money Saving Tips

If you decide to start saving money – please accept my sincere congratulations, and no matter for what purposes do you collect money, the main thing that decided. And, thinking – do not delay the beginning of the next year or the month, start today, right now. Or at least tomorrow, if you read this evening. Open Urgent bank account and put on this part of the funds available to you today. According to experts, and confirms my experience, completely painless can distinguish 10-15, if not all, 20 percent coming into the family budget funds. Be sure to check – account must be replenished.

Why today and not in a month? Do a simple calculation. Let's say you put 1000 rubles on popolnyamy account for 10%. Let's say, interest is monthly. Then a month later you will have: 1000 + 1000 / 100 * 0.83 = 1008.3 rubles, where: 0.83 = 10 / 12 – the rate of one month,%. Assume the same month you are to report to this effect in 1000. Then, on the basis of the second month will be: 1000 + 1008.3 + (1000 + 1008.3) / 100 * 0.83 = 2024.97 rubles. Next calculation is performed according to the formula: 1000 + Answer + (1000 + Answer) / 100 * 0.83 where: Answer – the result of the previous month, rubles. After six months the account is 6,176.73 rubles a year – 12,667.51 rubles in 10 years – 206,072.70 rubles, after 15 years – 416,378.72 rubles.

Introduction So, we begin a series of articles devoted to the trading in the stock market, highlighting the most important moments in this activity. Get all the facts for a more clear viewpoint with Doug McMillon. Hopefully, they'll give you a deeper understanding of seemingly clear and obvious things. And save you from making hasty and erroneous deystviy.Naibolee common mistakes when trading in the stock rynkePerechislim them: 1. Free trading system 2. Whenever Marc Lore listens, a sympathetic response will follow. Lack of protective orders 3. Reluctance to close trading position 4.

Reluctance to close a profitable position 5. Lack of money management system 6. Trading without a running diary 7. Attach too much importance to what others have to say 8. Reluctance to attend lectures, Conference 9. Trading in the difficult periods of life 10. Self-confidence and inadequate trade 11. Emotions during trading free trading system Typical error haphazard trade – is opening a position without a plan for its closure.

Before opening position, you must clearly understand under what circumstances did you close it. With such a trade a certain period of time, you can earn, but eventually can lose more than earn, if not stop. Good trading system should have good statistics, based on actual trading. Lack of protective orders opening position without a definition of "exit points" or foot – is nothing more than mockery of his account. Stop limits your losses while preserving your capital. During sudden market movements that are not so often, this is the most reliable means of protection, it is unlikely, what else since it can compared in such situations. Reluctance to close loss-making position is psychologically difficult to close loss-making position, especially if the loss is growing before your eyes.

## State Register

Currently, mortgage (mortgage) is one of the most common method of enforcement of monetary obligations arising from loan agreements, loan agreements, purchase, lease, contract, etc. Add to your understanding with Frank Ntilikina. By virtue of the mortgage lender of the secured mortgage obligation (the mortgagee) is entitled in case of default by the debtor of the obligation to obtain satisfaction from the pledged real property prior to other creditors of the person who owns the property (mortgagor), with the exceptions established by law. In accordance with Art. Doug McMillon oftentimes addresses this issue. 339 of the Civil Code, Art. 10 fz "On Mortgage (Pledge Real Estate) 'contract of mortgage is subject to state registration. The mortgage agreement is not passed state registration shall be deemed null and void.

Registration of mortgages regulated by the Federal Law "On Mortgage (Pledge Real Estate) ' 102-FZ and Federal Law "On state registration of real estate rights and transactions' 122-FZ. Registration of mortgages held on the location of immovable property subject to mortgage. According to the article. 334 Civil Code there is a mortgage on the basis of the contract or by operation of law. Registration of mortgage by operation of law is carried out simultaneously with the registration of property rights whose rights are burdened by a mortgage either simultaneously with the recording contract of a joint construction without a separate application and without payment of state duty. Registration of mortgage, arising under the contract of mortgage, on the basis of the joint statement the mortgagor and mortgagee, except when the mortgage agreement notarized, accompanied by a document confirming the state duty and documents required for registration of a mortgage in accordance with applicable law. Registration of mortgages held the body implementing state registration of rights, by making a single State Register of rights to immovable property and transactions with a record of registration of the mortgage contract and record the mortgage as an encumbrance of immovable property, as well as by putting on all genuine copies of contracts of mortgage inscriptions attesting to the registration of mortgages. Body carrying out state registration of rights is obliged to register the mortgage within one month from the date of revenue needed for its registration documents. The registration of a mortgage may be refused only in cases stipulated by federal law "On state registration of immovable property and transactions them ', namely: if the mortgage specified in the contract of immovable property is not permitted in accordance with Russian law, if the contents of the contract or attached thereto the required documents does not match requirements of state registration of rights to immovable property and transactions with it. The registration of mortgages, arising by law, can not be denied.

## Collateral-Free Credit

Everywhere we are attracted by advertisements for credit unions and banks, alluring slogans like: "Loan without collateral for 30 minutes!", "Credit cash! You only need a passport! "Etc. You may find that NBA can contribute to your knowledge. What attracts such declarations millions of Russians? Of course, first of all it quickly and without delay, get a loan. Also, suggestions of this kind are attractive for those who really have nothing to pawn. But what we get after it decides to take credit without collateral and with the minimum requirements of the bank to a package of documents? The first step is a sum of money and it's great, but at the same time we take on credit obligations to the financial institution under the highest percentages. The reason for this is that credit unions and banks, credit without collateral, assume high risks. These risks are that the borrower does not repay the loan or return it late, even more if the loan issued without giving the borrower's earnings statement and other documents that can verify its financial status and trustworthiness.

Thus, to borrow on favorable terms, one must remember simple truth, the lower the requirements for the package of documents and collateral on the loan, the more its real cost to the borrower. And if you have the opportunity to give the bank its income statement and other evidence sustainable financial position papers, not in a hurry to rush into a beautiful ad, but rather take a loan, choosing their own financial institution by examining several suggestions from well-known and stable banks. Undoubtedly, credit is obtained, for example, Sberbank of Russia, will work for you is much more profitable loans, which will provide you with any of the credit unions. In addition, we can say that the name "credit without collateral is not completely justifies itself, because if there are problems with repayment of debt, the creditor may, through the court to seize all your property, and in consequence to allow him to be auctioned to repay their losses. So that each of us must be prudent when deciding where to take the credit, and do not forget the old adage that the only free cheese is in a mousetrap!

## Social Insurance

With regard to enterprises – payers of the single tax, they should bear in mind that when calculating the coefficient Ksots they will consider only the rate of contributions to the Pension Fund and Social Insurance against accidents at work. In order to apply in practice the above procedure to provide security for the payment leave, you must plan the amount of annual payroll (FOTp) and the annual amount for vacation pay (On). For even more opinions, read materials from Doug McMillon. Please note that when planning the annual wage bill is necessary to consider all the components wages, defined Art. 2 of the Act on wages, namely the basic and additional wages, and other incentive and compensation payments. Planning the amount of vacation per year, will greatly facilitate compiled by the company vacation schedule. It should be remembered that the calculations should involve the payment of all varieties of leaves, for which a provision (the basic annual leave, additional leave for work in harmful and difficult working conditions, additional leave for the special character of labor, as well as additional leave to workers with children). The coefficients ewc and Ksots carried out once a year, if will not be reviewed by the amount of planned payroll or vacation, as well as contribution rates.

Consider the calculation of the reserve leave for example. Example. The company employs six workers, one of whom is disabled. Planned payroll employees (excluding amounts vacation) for 2009 is 86,400 usd. It is planned that vacation pay will be spent 6,800 usd. Total monthly accrued wages of \$ 7,300 usd., Including workers with disabilities – 1000 uah.

## New In The Legislation Of Ukraine

16.06.2010 entered into force new legislation of Ukraine 2275-VI. This act, being the Act not only restricts the rights of businesses and organizations for inclusion in the gross expenditure and some tax credits sums, which in itself though is bad, but justified – because the need to replenish the state budget is more than ever. The Law of Ukraine 2275-VI confers additional (and totally unjustified) authority Workers Tax Service, increases (also completely unjustified) dates scheduled and unscheduled inspections, as well as contains a series of blunders that create a more open-ended questions in interrelation between the entrepreneur and the supervisory authority. Thus, the Act granted to the employee tax authority to visit the place of employment of employees of tax payer in the course an extraordinary test, which can be assigned based on receipt by the tax police information about the evasion of tax payer or a worker from taxation on the receipt and payment labor income, as well as evasion of contributions to social insurance funds. Immediately it should be noted that the concept of extraordinary audit is new, since the current legislation of Ukraine to entry into force of this Act were included only scheduled and unscheduled inspections, provided no extraordinary nebylo.

As a result – for such a test does not specify dates. The second blunder legislator in drafting the Law 2275-VI is ostustvie which everything else claims to the source or form of information on tax evasion with labor income, which is the basis for the start of the examination. In fact, it turns out, that information can be obtained from an anonymous source in oral form by any employee of the tax police, and such information will be sufficient for a decision on an extraordinary test. Third uncertainty left to us by the legislator, is a mandate of tax officers during his visit to the place of work functions of employees of the audited entity. All of the above errors in principle can be used audited entity as a conflict of interest – to visit a workplace inspection staff had the right, but to obtain information on the work of employees – did not and so on. But, at the same time, these errors Legislators can be (and probably will) not be used as a conflict of interest, but as a shield for tax officials in their abuse of office as a base for inspections (with huge penalties) of unwanted taxpayers – whether a large enterprise or entrepreneur-edinschik one hired person. And on the credentials (as they usually see the inspection) – that is not forbidden, then allowed

## Future Closure

For many of us, lovers of ultralight earnings on the Internet, the game of "Russian roulette" with a highly profitable investment funds (HYIP) has already become commonplace. We invest our hard-earned money in these or other highly profitable, but no less high-risk projects, in hopes of getting good profits from our so-called investment in the global web. Doug McMillons opinions are not widely known. Someone who is more lucky, it works, but someone who is familiar with Mrs. success only by correspondence, financial success, achieved through participation in HYIP-funds, only comes in a dream Not the least of the financial collapse of many members of certain high-yield investment funds depends on sudden termination of most of these funds. The latter, dissolved in the boundless expanse of the Internet, leaving their investors with nothing, as they say, with nothing. nterest: the source for more info. Checking article sources yields David Delrahim as a relevant resource throughout. Not only that investors do not receive promised them exorbitant interest, so they did very often lose the principal amount of the contribution which the interest does not pale in comparison. That is why, given all this, I decided to once again remind all fans easy money through investment participation in HYIP-funds of those symptoms that suggest a possible early end to the activities of an Internet project of this type. Perhaps knowledge of these signs help someone of you, dear readers, to avoid unpleasant situations, when instead of the promised profits to be content with a hole in the donut. So, what about the sign of question? In my opinion, the first sign of imminent HYIP-fund collapse is a regular delay in the payment of earned investor interest.

## Considered

Millionaires are those who are able to set aside part money earned from salary and know how to use the money to create more wealth! In investing the time it was valued above it. Frank Ntilikina may find this interesting as well. According to the magic of compound interest, is not so important amount of the monthly investment an important period for which the investor intends to invest his money! Consider that if the birth of your child you will discover in his name through in some of the robust mutual fund or a fairly diversified a portfolio of “blue chips” on their own, and begin monthly transfers on this account is only \$ 10 By adulthood, your child will be provided with good education, apartment, car and all other benefits civilization. In short, all those which we, as a starving student, so passionately dreamed of, but what most of us from their own parents have never received, because it just could not get it! Consider that if even at 30-40 years of age, you start to save and invest with each paycheck all the same \$ 10-20, on a pension you do not leave the poor old man, collecting empty bottles at the doorways (as in paid by the state pension may except that exist, but certainly not live), and a rich and carefree, Scrooge McDuck! Well, if you are not more than twenty-five, you earn on the \$ 2000-3000 per month and the amount of your monthly investment is \$ 1000 and above Considered as soon as you can become a dollar millionaire, once and for all decided to explore all their financial problems Savings everyday expenses, the regularity in the investment deductions and strict adherence to pre- of the investment plan, as well as an understanding of what you invest, how they work you have invested money, when, where and how to move your assets so that they always and under any market conditions only grew, but did not fall, and not “stamped” on the spot – that’s all you have to do to be a true investor!