valerygergiev.com http://www.valerygergiev.com Just another WordPress site Tue, 16 Apr 2019 19:57:01 +0000 en hourly 1 https://wordpress.org/?v=5.2.1 Social Credit Loans – What To Do to Get Them – Financial Portal http://www.valerygergiev.com/social-credit-loans-what-to-do-to-get-them-financial-portal/ http://www.valerygergiev.com/social-credit-loans-what-to-do-to-get-them-financial-portal/#respond Tue, 16 Apr 2019 19:57:01 +0000 http://www.valerygergiev.com/social-credit-loans-what-to-do-to-get-them-financial-portal/

There is probably no person who, from time to time, would not have to borrow money. Usually in such cases, we direct our steps to the bank to apply for a loan in this institution. However, banks are not the only alternative for us today. We can borrow money from loan companies or from private individuals. Even special internet portals have been created, which make it possible to submit loan applications from such persons. Social loans are becoming more and more popular in our country and the number of people who fill in their gaps in the home budget is constantly growing. Certainly, the number of people who use this type of loans would be higher if not too few Investors, or people who give loans. Therefore, often after submitting the application for a loan, we have to wait quite a long time before there is a sufficient number of investors who send us money. But what if we need to borrow money quickly? Below are some tips that will help us get the funds we need faster.

For Investors, the issue of security is always the most important. They just want to make the money they borrowed back to them. Therefore, before they send their funds to the applicant, they will want to get to know him as much as possible. Therefore, before we submit a loan application, we should verify as much as possible. We verify our personal data, address, place of residence, place of work, our income or our credit history located in the bases of the Credit Information Bureau. For sure, if the lender has the opportunity to check our data, place of work, etc., he will be much more willing to transfer money to us, so it is worth to verify as much as possible.

 

According to statistics, investors are eager to lend money to those who had previously granted loans and gave them back on time. Therefore, at the beginning it is worth lending small amounts, quickly give them back to build your creditworthiness. When we have it, even when we need large amounts, we will have no problems getting a loan. To quickly borrow money from a private person, we must offer attractive interest rates. In the case of social loans, we set its amount, as well as the amount of bonuses for lenders. If they are at the appropriate level, we will surely find people who will lend us money quickly.

Borrowing money from private individuals does not have to be difficult. We just need to provide them with an attractive profit and make them believe that we are honest borrowers, and that money will appear on our account quickly.

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Is It Possible To Travel Cheaply Around The World? – Financial Portal http://www.valerygergiev.com/is-it-possible-to-travel-cheaply-around-the-world-financial-portal/ http://www.valerygergiev.com/is-it-possible-to-travel-cheaply-around-the-world-financial-portal/#respond Mon, 01 Apr 2019 20:03:32 +0000 http://www.valerygergiev.com/is-it-possible-to-travel-cheaply-around-the-world-financial-portal/

The vast majority of people want to spend their vacation outside the home. What’s more, more and more people declare that they would spend their free time from work outside the borders of our country. Unfortunately, such entry abroad is associated with quite high costs. For we have to get to some other country, we have to reserve a place or find a place where we will eat. And it is usually high prices that make quite a large part of our countrymen, does not leave during the leave from their home, or decide to go on a trip but in our country. But does it have to be this way? Can not we travel cheaply around the world? Of course we can, but we have to try for it.

To travel cheaply around the world, we have to spend a lot of time on preparing for the holiday. Of course, the easiest way to go to a travel agency and buy a trip, but we must know that it will cost us a lot. If we do not want to strain our home budget while on vacation, we must take matters into our own hands and organize everything ourselves.

When we decide to take a holiday trip outside the borders of our country, we have to think about it much earlier. We can not plan a specific date when we leave, only we have to be flexible and we have to look for the right opportunities in terms of price. First of all, it’s about air tickets, because they are the biggest load on our budget during the trip. So let’s check systematically the search engines for cheap flights, because from time to time airlines announce special promotions, thanks to which tickets can be bought at extremely attractive prices. It is worth mentioning here, that after each search for cheap flights, clear the memory of our web browser, i.e. cookies. For when we do not do it, the search engines will remember what directions of the journey we are interested in and will raise the ticket prices for the routes we are interested in.

If you already have a cheap air ticket in hand, you should look for cheap accommodation. This is not about looking for hotels, because in this case, the prices for our accommodation can be quite high. Let’s look for other alternatives, which may be the so-called couch surfing. The term refers to free accommodation that is offered by private individuals. On special websites, they inform tourists that they can stay overnight for free. This is an excellent option, although we can not expect luxury in a place that we choose for an overnight stay. If you are going on vacation in the summer, it is worth taking a tent with you and spending the night in it. In many places, for the “breaking up” of the tent, we do not have to pay anything, so the cost of our holiday automatically decreases.

 

During the holidays, it is quite an important aspect to move from one place to another. If we spend our holiday in a place where you do not have to move much – do not look for a means of transport, just move on foot. However, if we are forced to travel longer distances, let’s check which means of transport will be the cheapest for us. For in one country train tickets are very cheap, and in others it is more profitable to rent a car yourself.

We can not forget that during the holidays we will have to eat something. Of course, the cheapest option is to prepare meals yourself, but we do not always have the time to do it, or we do not have the right conditions. Then we have to eat at the catering establishments. And here it is worth looking a bit further from well-known tourist attractions or city centers. Because the owners of such premises will always raise prices in them, because they know that tourists will go to them and order meals. A little further from such places, we can find premises where we will pay even half as much for dinner or lunch.

As you can see, traveling around the world does not have to be expensive. If we adhere to the above guidelines, we may have a lot of money in our wallet, and we will spend a great vacation. Of course, we have to prepare ourselves for such a self-organized trip, but it is definitely worth doing to make the miles and, what is equally important, spend your free time in a cheap way.

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What Type of Settlement to Choose For Your Company? http://www.valerygergiev.com/what-type-of-settlement-to-choose-for-your-company/ http://www.valerygergiev.com/what-type-of-settlement-to-choose-for-your-company/#respond Sun, 17 Feb 2019 20:15:12 +0000 http://www.valerygergiev.com/what-type-of-settlement-to-choose-for-your-company/

If you want to set up your own business, you need to register (DEIDG-1) during registration, where you indicate what type of taxation you choose for your company.

The article will show you what forms of taxation are available and acceptable in Poland, as well as how they differ and which of them will be the most advantageous for your company.

Types of taxation:

1. Tax scale. In this case, neither monthly nor quarterly declarations are submitted. Simply, after the end of the tax year, the relevant tax office consists of the annual statement PIT-36 (the final date for the settlement is April 30).

2. Tax office – this is a lump sum form of taxation. The amount that is paid into the account of the Tax Office, in this case has nothing to do with the income earned. The rate of the tax card depends on several factors: the size of employment, the age of the taxpayer, the size of the place where the activity is carried out, the type of services performed, the size of the business.

3. Linear tax – in this case, as an entrepreneur, you tax income (income – costs) with one tax rate – 19% – no matter what its amount will be.

4. The lump sum from registered income is quite … a specific form of taxation. This type of settlement is intended only for natural persons who receive income from non-agricultural business activity.

If you choose this form of taxation, you will be able to reduce your income by incurred costs (tax).

5. CIT tax – if you want to keep your company in the form of a limited liability company, or in the form of a joint-stock company, you will pay the so-called CIT – 15% or 19%.

In the network you will find a detailed description of each type of taxation. You can decide which one will be most suitable for you and your company; because later you will not be able to change it. If you do not know what kind of taxation for your company will be the most advantageous, consult a specialist for advice; he will present you with all the pros and cons, explain all the details and answer your questions – with his help you will definitely decide on the best solution.

 

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How Does the Cooperative Savings and Credit Unions Operate? http://www.valerygergiev.com/how-does-the-cooperative-savings-and-credit-unions-operate/ http://www.valerygergiev.com/how-does-the-cooperative-savings-and-credit-unions-operate/#respond Wed, 13 Feb 2019 20:40:03 +0000 http://www.valerygergiev.com/how-does-the-cooperative-savings-and-credit-unions-operate/

Recently, in all media, there is a lot of information about Cooperative Savings and Credit Unions (SKOK). And all because some of them have big financial problems and just fall. So let’s take a look at exactly how the Credit Unions operate and who can use their services.

According to the “book” definition, SKOK is an institution established by a group of people who are connected with each other by organizational or professional ties. These cash registers appeared in our country in 1992. All over the world, they are known much earlier, and in total we can meet them in 105 countries. In Poland, SKOK-i associate nearly 2 million people, which is quite a large percentage. They were created mainly for those people who for various reasons can not use banking products.

Although we wrote earlier that Co-operative Savings and Credit Unions have been operating in our paradise since 1992, their history is much longer. Similarly, in the Middle Ages, institutions that were called merchant guilds, pious banks or widows’ coffers were active in the Middle Ages. However, the largest development of such cash registers took place in the 19th century, especially in Germany. They quickly spread to other countries, also reaching Poland. So we can meet folk banks, Stefczyka cash registers, and peasants at that time. What counts is that in the interwar period, there were about 3,500 cash registers in Poland, over 1.5 million of whom were involved. The development of these institutions, the World War II and their reconstruction, began after 1989, after the economic transformation.

Credit unions were created above all so that their members would have easier access to financial products (often their branches are opened in small towns), and moreover, that these products could be used by people who do not have access to banking products. Because credit unions do not operate on the basis of banking law, so they do not have to follow the rules that are specified in this act.

 

In order to become a member of the Credit Unions, you must complete the membership declaration, and also buy at least one share that can be recovered when we register with the Fund. In addition, if the Credit Unions act in association, it should also join it. And what products can we use when we are members of Credit Unions? Their offer includes loans, personal and current bills, deposits, credit cards, insurance, etc. They are practically the same products we find in banks’ offer. However, accessing them is much easier. On the one hand, this is good news, because, for example, people who do not get credit from the bank can go to SKOK and apply for a loan in this institution, which is likely to be granted. However, such lending to practically everyone is associated with a high risk that the money borrowed will not be returned. And then the troubles that many Kasas have to deal with today are starting for these institutions. Fortunately, deposits collected by SKOK customers are guaranteed by the Bank Guarantee Fund, so holders of deposits or bills can be sure that the funds deposited will always return to them.

Does SKOK-i need institutions in our country? Certainly yes. However, they should be managed in a professional manner and with all precautions. Then they will not be exposed to problems, and a growing group of people will want to become their members, thanks to which the Funds will be able to develop even faster.

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