Five wallets.
Structural and analytical management method (continued) So, we said that at the start of a business, while the revenue side is still not too large, current expenses usually exceed 20%…

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31 WAY TO SHOW EMPLOYEES THAT YOU APPRECIATE THEM
It is important for employees to know what they are valued for, both for professional achievements and personal qualities. Recognition of achievements really pays off, increases productivity by up to…

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"Effective credit policy of the enterprise"
Why is there a need for an effective credit policy? Due to the high level of competition in the food market, the situation is such that, in order to increase…

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sweeter than UTII.

Features of bankruptcy of individuals

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

Surrender of dreams

My friend Svetlana is 53 years old. She became a small entrepreneur in 2007, when the President established a new professional holiday – Day of Russian Entrepreneurship. For 9 years she has been renting 64 square meters and selling industrial goods. She has a preferential rental rate – only 20 thousand rubles a month. Anyone familiar with the situation on the rental market will sigh enviously. But preferential rent does not save.

The last two years, Svetlana has not quit her job just because the situation is hopeless, like riding a bicycle. Just stop pedaling – you fall into poverty, debt and the complete absence of the future. Entrepreneurship for Svetlana has ceased to be free – she is his captive and therefore hates her business. Continue reading

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