Bakery equipment According to Wikipedia, bread is one of the oldest products on the planet. There is evidence that bread was prepared during the Neolithic. Not surprisingly, bread is still so popular. What can be tastier than freshly baked fragrant bread with a crispy crust.
Given this popularity, it is not surprising that bread production is a very profitable business. Today, there are many private mini-bakeries, and many supermarkets prepare their own branded bread. It is worth noting that the production of bread is not as complicated as it might seem. Now there is a huge selection of equipment for the bakery, which allows the production of bread, in volumes ranging from a private mini-bakery to mass consumption. The range of equipment for the bakery is unusually wide, in connection with which the expected question arises: “How to choose equipment for the bakery?” Continue reading
Initially, the law was supposed to enter into force on January 1, 2016, but the deputies decided to begin regulating the personal bankruptcy procedure on July 1, 2015. However, many experts believe that even this date is not relevant. So, financial ombudsman Pavel Medvedev, in an interview with Rossiyskaya Gazeta, said that the law should be introduced in February.
According to experts, a decrease in real salaries of citizens, a currency mortgage will lead to the fact that already in the first quarter of 2015, massive defaults by citizens of their debt obligations are possible. As of September 1, 2014, banks in the Tomsk Region issued loans to the population in the amount of 42.7 billion rubles, of which mortgage loans – 9 billion. The total debt of individuals on loans amounted to 90 billion rubles, 32 billion rubles accounted for the mortgage.
Compared to the beginning of this year, the delay in loans to individuals increased by 41%. Continue reading
I will begin today’s conversation, it would seem, from a completely different, but, believe me, very important point. Many mistakes are made by both beginner and existing entrepreneurs when planning their business, when they ineptly try to use the knowledge gained from academic textbooks in their calculations, and almost all textbooks on business planning and economic analysis have a section devoted to the so-called break-even point business. The essence of it (section) is as follows. All expenses (textbooks “tell us”) are divided into variables and constants.
Variables are those expenses that increase in proportion to the growth of production or sales. As a rule, they include the costs of raw materials and supplies, the purchase of goods, piecework wages. And constant – this is the part of the costs that does not depend on the volume of production or sales (AUP salary, rental of premises, utility costs for the office, stationery, etc.). Continue reading