Monthly Archives: September 2015

Legally Eliminate LLC

Consider the process of liquidation of the company as an example the elimination Ltd. – the most common legal form of legal entity. Official Official liquidation liquidation Ltd. llc – is an exception from the company unified state register of legal entities (Incorporation), the cancellation of all the constituent documents, an audit of the tax inspectorate and the various funds, deposit of the instrument and the destruction of the press. In If a decision to eliminate llc founders have a liquidation committee, or appoint a liquidator, to approve the procedure and terms of liquidation company and notify the tax office, in which the firm was registered.

The tax authority shall issue a notice of finding a company in liquidation and to make appropriate entry in the Incorporation. After that, the liquidation commission shall publish a notice of liquidation llc the media, stating the your contact information and deadlines for claims. In addition, the commission shall notify all creditors of the liquidation company, and then sends in his tax office about the elimination. Further, the commission dealing with the liquidation of company applying for deregistration and requesting an inspection company in the state inspection of Taxation and extra budgetary funds. Inspected registered firms, issued a decision on the harmonization of the interim liquidation balance sheet – on the basis of this document covers the company bank accounts and destroy the seal. After all the above procedures liquidation committee shall submit the documents – acts of tax and funds to conduct audits, act to destroy the press, the transfer of documents for storage, help from the banks to close accounts, the liquidation balance sheet – to the tax authority to register a company. After considering the proposal the tax records of Incorporation to eliminate llc gives the founders and an extract from the register. Official elimination llc takes about six months.

Cost formal liquidation llc law firm is not less than 30,000 rubles.

Financial Crisis

They have sent me this good explanation of the Professor of IESE Leopoldo Abadia now in Group Sonnenfeld about the financial crisis plaguing the markets since the sub-prime crisis will open subprime in USA. While it is true that the crisis is not affecting all sectors equally (the sale of flights, hotels, travel and English courses not note both has finished affecting us all. It has perished me very interesting and formative so I thought it was worth you reproduce it here: 2007-2008 CRISIS. The story is as follows: 2001. Ben Silbermann contains valuable tech resources. Bursting of the Internet bubble. The United States Federal Reserve low in two years the price of money of 6.

5% to 1%. This dopa a market that was beginning to take off: the real estate market. In 10 years, the real price of housing is multiplied by two in United States. For years, the interest rates prevailing in the international financial markets have been exceptionally low. This has meant that the banks have seen that business smaller made them: gave a low interest loans paid something by deposits of clients (zero if the tank is in current account and if they also charge maintenance Commission, they paid less something) but, nevertheless, the intermediation margin (a minus b) Decreciaa someone, then, in America, thought you that banks had to do two things: give riskier loans, by those who could charge more interest compensate the low margin by increasing the number of operations (1000 x bit is more than 100 x shortly) on the former (riskier loans), decided to: provide mortgage a type of clients, the ninja (no income, no job, no assets; or people without fixed incomes, without fixed employment, without properties) charge them more interest, because there was more risk take advantage of the housing boom. In addition, full of enthusiasm, decided to grant mortgage loans for a value exceeding the value of the House that he bought the ninja, because, with the cited boom real estate, the House, in a few months, would be worth more than the amount given on loan.

Financial Education

To play that he is professor, we their students and he teach to us on the money, allows them to strengthen the knowledge. Also we can go to stories, classic or they are invented by we ourself and through them to teach those subjects that we want to approach and we can teach through music, with letters of songs commercial or devised by us. In order to teach to our children, he is needed first who as adult we give example. How to teach him to boy to be consumer intelligent and to realise purchases compared, if we like parents, uncles, teachers or grandparents, are not consuming intelligent, often bought in the first place who we see something, to the price that asks to us, acquiring unnecessary things that we finished without using? The example is vital in the financial education. It is easier to give to the boy an appropriate answer when it says to us: Cmprame this or that one, previously if it has listened to say to us: Tengo many desire to buy such thing to me, but I am not going it to do; today I am only going to watch without buying nothing.

The value of the money also depends to a large extent on our attitudes like parents. If for us the money is the axis of the life, that is what we are teaching to our children. If the children realize which we enjoyed many things that do not require money, as well as things that we bought, will learn to evaluate in suitable form the money. When teaching to him to the children to make money, the attitudes play a fundamental role again. For example, we remained without use and we began to send leaves of life to all parts but we did not find another job. Against this result, we depressed ourselves and we complained. .

Financial Education

FINANCIAL EDUCATION FROM PRE-SCHOOL friend Adolph Constantino Ramirez Hilarios, source of inspiration for this article. By Divided Ernesto Pedroza* Mexico is a country of resistances. It has all the resources to become the first power of the world, but most of we ignored it to the Mexicans. It has industralists between the rich ones of the world, but a mainly poor population. We have the longest border of the planet with the greatest market of the world, but more than a blessing, we considered a curse. We have the two coasts with great marine wealth, but we left Japanese come them to operate them instead of us. We have a gastronomy of world-wide class, but that they enjoy plus it are the foreigners. We have 200 beaches between most beautiful of the world, but that knows but them and enjoys are the foreigners.

Because as much poverty? We are a poor country because it has been taught to us to be poor. We are poor because we have had an education in which the poverty is promoted without we realize. We have had an education in which it is taught to us to be employed, nonenterprising. Rather it has been domesticated to us, instead of being educated. The type of education be a hindrance for the development of the country.

In this education the invitation to observe in direct form is absent by we ourself the reality who we lived. It is taught to us what we must think, but is not taught to think to us. The information instead of the imagination is privileged and the creativity, when first it does not have the solutions to solve the great problems of the world and second it can help us to create them. The present education promotes the resignation to live with the problems for always.

Financial Education

For one better agreement concerning the financial education and mainly of the previdenciria (became of extreme relevance as for the Closed System of Providence, a time that the Advice of Management of the Complementary Providence? CGPC, by means of the Recommendation n 01, of 28/04/2008, recommended that the EFPC developed and implanted a program directed to the same one), a boarding becomes necessary on the abrangncia of each one, as well as the paper of the Closed Entities of Complementary Providence given the Brazilian current situation. This article is divided in six sessions, where the first one is this that enumerate the stages of the work, second speaks concerning the cycle of life of the worker, third brings the definitions of the educations financial and previdenciria and of the complementary providence, fourth it makes a study concerning the behavior of the Brazilian worker as well as of the public welfare and projects the EFPCs as an alternative, fifth it approaches on the EFPCs, and it finishes is the consideraes ends of the gift work. 2. Cycle of the Life the theory of the life cycle was developed by Franc Modigliani, Richard Brumberg and Albert Ando in the decade of 50 as a perfectioning of the keynesiana function consumption that, collated with the empirical data it showed that it could be improved. While the function consumption establishes that the consumption depends on the available current income of the individual, hypothesis of the life cycle sees the individual as a planner whose objective is to for a long period establish a behavior in consumption terms and saving, placing its consumption in the best possible way during all its life.


How to take care of your finances this theme which is usually talk every moment turns out to be the our daily bread, since it is well known by all, the economic situation of the country is not the most relevant at the moment, so it is vital to know and implement some strategies to ensure that our money is not how they say how salt and water!. The finances of people every day are more difficult to maintain controlled, if we add to this that for late 2008 inflation exceeds 30%, without counting in addition what little attraction that is currently having our money in the Bank since interest rates are not the most attractive now. According to recommendations from experts in the field ideally we could save 10% of our income, but that is sometimes more difficult, not impossible. You can begin making an expenditure budget and gradually reduce those expenses that prove to be unnecessary. For example we can start with our personal expenses, as in the case of the plans to which we subscribed in cell phones, see which feasible is to have it and if it is very expensive we can consider one more economical as the prepayment, the same can be done with the cable system, which sometimes we have the most expensive and not maximize it, since we only use a few channels. Another aspect in which we can save is when making meals out of our home, which can get to represent excessive spending if this is done too often, this situation can we decrease these outputs, only twice a month, and try to eat something at home before leaving, the same often happens with clothes shopping, and accessories, it will buy clothes of good quality which guarantee its durability in time, which is would be saving a significant amount of money. Likewise it is important that if we have the possibility of acquiring real estate is done, Since these are revalued over time and allow you to recoup the investment, the same applies to vehicles. As all good principle is more important to reduce expenses that increase revenue, why once we consciously review in that we are spending more to begin to find different savings alternatives, such is the case of the brokerage houses which are savings plans that conform to different budgets. Most importantly, try as much as possible to save the long-awaited 10% of our monthly income, and if possible do not borrow more than what our capacity to pay allows it, as do for example possible to cancel if our case credit cards debts, since as it is known how interest rates are located in 33% currently, and this may generate excessive spending in our revenues and make that our monthly budget is affected as every crisis tends to be passed, and most importantly, to create awareness of the importance saving and controlling our costs, and learn that every crisis brings changes that is in us to do that these are positive and to be in our benefit.

Venture Finance

What you have in your head never may steal! I still remember these wise words spoken by my father when I was a child. Like any parent, he made great efforts to deliver us the best education possible. All parents do. When it comes to send their offspring to school, they seek the best alternative at their disposal and are prepared to make the sacrifice to send their children to an educational establishment during the 12 years of his life. All this is well and is recommended. Education is the key to any achievement in the adult life of a human being and is the basis of the progress of a society.

However, it is important that every parent recognizes that there are areas in the education of their children are not going to be promoted in the traditional education system. Among them, the three most important areas are: 1. entrepreneurship education 2. Financial education 3. The education of leadership entrepreneur or employee? The majority of parents do not question the fact that schools focus on preparing their students so that they can be inserted with success in the labour market. In other words, prepare them so that they can find a good job in his adult life.

You will say: what is wrong? Absolutely nothing. Unless you want your child to be a person with an entrepreneurial spirit and knows how to transform a good idea into something beneficial for himself and his community. To understand the difference between an entrepreneurial education and training that prepares our children for a job, look at the methodology used in the traditional education system with detention: a school teaches certain subject chosen by the Ministry of education in each country and evaluates the acquisition of this knowledge through a system of notes.