How to create a trust fund
A trust fund is commonly seen as a way to raise money for the children…

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How to make money recycling aluminum cans and plastic bottles
Recycling materials is not only good for the environment, but it can also be great…

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How the banking system works
We all, one way or another, interact with banks. Deposits, loans, bank cards, payment of…

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How to conduct market research
Marketing research is carried out by both future entrepreneurs and actual businessmen in order to…

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ability to adapt

Comfortable old age without FIU

Getting old is not scary, it’s scary to live in poverty. Are you ready to give up going to the cinema, having fun with friends in bars, designer clothes and other pleasant little things in life? It is rare to meet retirees in fashion boutiques, cafes or cinemas, and even abroad, in popular resorts.

In connection with the increase in the retirement age and the general financial destabilization, we need to think about the future today.

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Bank selection

Choosing a bank is one of the most responsible decisions. A lot can depend on the stability of a credit institution. Of course, it is quite difficult for an average Russian to deal with professional financial indicators, but one must at least assess how long a bank has been operating in the market, how successfully it has functioned all this time, how large it is, many banks have ratings from international or Russian rating agencies. Bank ratings in terms of assets, loan and deposit portfolios, network of branches, quality of service are available on a number of Internet resources. Continue reading

How to calculate debt service payments

Debt service is the periodic (usually annual) payment of accrued interest and part of the principal amount of the debt. When applying for a loan, companies are required to disclose debt servicing data. Based on the amount of debt service payments and the amount of net income, investors calculate the debt service ratio, which is the percentage of net income that goes to repay the loan.

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Choosing a bank for business
The choice of a bank for business in Russia is one of the key problems…

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Money under the mattress does not work!
Like fuel for a car. If a canister of gasoline lies somewhere in the garage,…

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How to analyze the ratio of debt to equity
The debt-to-equity ratio is a financial measure used to assess a company's capital structure, more…

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