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The operating result is as follows

The operating result is as follows

The operating result is a parameter from the income statement of a company. The abbreviation earnings before interest and taxes (EBIT) stands for Earnings Before Interest and Taxes. The operating result is the operating result or “operating result” of a company, before interest and tax. Earnings before interest and taxes (EBIT) should not be confused with earnings before interest and tax (EBITDA). The latter also include depreciation, which can provide further information about a company’s profitability.

Depreciation does not play a significant role in the result as it can not be directly allocated to operating activities. The focus of the operating result is only on how much of the result the company has generated from operating activities in a given period. In general, the operating result (EBIT) is the sum of all operating revenue (“Revenue”) less all costs (or expenses) directly related to this result.

Would z. For example, if a multinational corporation such as XY made a surplus of $ 50,000 in one year and assumed a hypothetical income tax rate of 15%, and the interest expense would amount to zero USD in that period, the operating result would be EUR 57,500. “Earnings before Interest and Taxes” provides information on the current earnings situation of a business before interest and tax income and other extraordinary charges.

It is pleasing that, as an investor, you can usually read the result in the income statement from the annual financial statements of a business, since it is a standard instrument in the area of ​​controlling. In particular, there are two ways to calculate the operating result. There is a distinction between the acquisition and the production cost method. Not only do you specify the calculation method for calculating the operating result, but you also have an effect on the overall presentation of the profit and loss account.

Cost method and the cost of sales method

Cost method and the cost of sales method

The total cost method and the cost of sales method are based on the sales of a company. For the EBIT calculation, the total cost method is used as described below: It results from the sales less the cost of sales. The earnings before interest and taxes (EBIT) has the advantage that it can not be falsified by country-specific tax tricks or special financing techniques.

Therefore, earnings before interest and tax (EBIT) according to IFRS are of particular importance for the global comparison of companies, since the operating result before financial result and income taxes reflects the actual earning power of each group. Therefore, investors should also take a closer look at this figure before investing in their profit and loss account, as a high profit before depreciation is at best also a sign of efficient entrepreneurship.

Immediate rescheduling of loans

The purpose is called “debt restructuring”. If the loan is granted for debt restructuring, you can cancel the existing loan with the bank and replace it with the new loan for a sum of money. If you have several loans that you want to reschedule, you pay back each loan in one amount. In general, debt rescheduling means that one or more existing loans are converted into a new loan. Debt rescheduling exists in practice in several areas and is even common in some forms of lending.

Rescheduling “Rescheduling of loans and immediate savings program

Rescheduling "Rescheduling of loans and immediate savings program

A loan for debt debt restructuring can be applied for at almost any institution. If you keep an eye on interest rate trends in advance, it’s best to have a good time to reschedule your debt and generate particularly low interest rates. The loan with which an old loan is to be repaid, must be taken up prematurely, since the repayment of the loan, the requested loan amount is needed.

Thus, the addition of a new loan and the replacement of an existing loan overlap for some periods. The most important point of a debt rem earing is a possible saving, because only if a debt rem earging pays off financially, it should be carried out also. If the current loan has low residual debt, is the maturity short, or is the cost of rescheduling high, it is possible that a loan repayment will not result in any savings.

Therefore, you should always calculate exactly whether the savings from a debt debt restructuring are large enough to make the work required for a loan repayment worthwhile. Even if the time for a loan reallocation is not yet ripe, one can hedge the currently favorable interest rates for a future credit.

This is quite possible with a forward loan

This is quite possible with a forward loan

So you can avail of a favorable interest rate, if a repayment of the current loan is possible, regardless of which interest is to be valid at this time. When is debt debt restructuring necessary? A debt rescheduling plan is also useful if you have multiple loans and you want to combine them to pay only one per month of benefits.

In principle, any loan can be used for a loan repayment, but there are also special debt repayments that have separate loan terms. If you are looking for a suitable loan, you can look it up for a debt rescheduling loan or ordinary installment loan. Because debt debt reduction depends primarily on saving, it is necessary to measure loan interest rates to have adequate and cheap credit.

Here you can get help and evaluate a credit rating comparison in the network. Through an online calculator, you can get in a few moments an overview of various offers. For this, only the essential framework conditions such as the amount of the loan, the term and, if applicable, the intended use must be entered. For a reconciliation, however, one must know the exact amount of the credit to be repaid, because the debt repayment balance must ultimately be sufficient for the amortization of the current balance or the current balance.

You also have the option of claiming a higher amount of debt repayment loan than is actually required for loan repayment, as this will allow you to gain new financial freedoms. For overdrafts, debt rescheduling is the most common. They will be replaced by a installment loan to reduce follow-up costs, as the loan interest on a current account loan is in the double-digit range for most credit institutions and thus involves high expenses.

Credit Card Instant Commitment

A “real” credit card is the credit card with credit limit. With this credit card I managed to get an online balance with immediate confirmation. The story and my instructions on how to borrow money quickly and easily with a suitable credit card! With the credit card as a practical means of payment. The credit card is a convenient means of payment that is always at hand.

Apply for a credit card with instant confirmation: Tips & Tricks at a glance

Apply for a credit card with instant confirmation: Tips & Tricks at a glance

Everything is available on the internet today. Clothing, consumer electronics and food can be obtained via the Internet. The payment is made in most cases by credit card. In most cases, in conjunction with installment loans, cards are provided with immediate confirmation and can be obtained through the bank’s website.

In this article, we’ll explain what types of credit cards are available and how to redeem them. Consumers can apply for a credit card at almost all banks and credit institutions. It is the consistent continuation of the debit card and can thus be used anywhere in the world. But when it comes to choosing the right credit card, consumers should look at the different types of credit cards to find out “which credit card suits me.”

With the credit card you can pay quickly and easily

With the credit card you can pay quickly and easily

It is accepted worldwide in more than 200 countries, giving consumers plenty of room to maneuver. Cashless payment works the same for all cards. However, there may be differences in the amount of the credit limit, the fees and the additional credit card services.

For example, some cards are offered to earn award miles or to take out insurance. The choice of credit card depends on the card features. Visa cards and Mastercard credit cards can be used in Germany at more than 500,000 collection points. Also credit card fees can be crucial. Consumers should be aware in advance of the possible expenditure.

The credit card may also have a minimum monthly revenue in some countries. If you are looking for the right credit card, you can compare it. With such a comparison, consumers can already make their first wishes to get the right product. Differences in credit lines, fees and benefits can already be determined now.

For example, if the customer has a negative Credit Bureau, he is not eligible for a credit card model. Below is a short list of each card. The classic: This credit card has a fixed credit limit, which depends on the creditworthiness of the consumer. The better the credit limit, the better.

The credit limit is therefore always based on the income of the cardholder. Batch Card: This credit card also offers consumers a credit limit based on the cardholder’s income. Later, all invoices are merged by the bank and sent to the client. It is important that the credit limit of the credit card is not exceeded and that sufficient funds are available in the reference account to settle the bill.

Otherwise, consumers may fall into a debt trap. Consumers can also use it to bill and pay. The debit is, however, immediate, so that the customer should always have enough credit on his account. Over-indebtedness is not possible with this type of credit card. Consumers can withdraw and use cash with their bank card anywhere in the world.

Prepaid Credit Card: With this credit card, the customer must pre-book the money in order to use it. An overdraft on this credit card is therefore not possible. The “credit limit” is always based on the credit calculated by the client. In case of card loss, the consumer does not have to expect a nasty surprise. In this case, the credit card can only be used up to the sum of the charged account balance.

The virtual credit card: Virtual credit cards are also prepaid cards. Consumers are not credited and do not need Credit Bureau information. The consumer will never have an online credit card in hand because it is only practical. Conclusion: There is a wide range of different types of bank cards. The customer should therefore make a detailed credit card comparison in advance to choose the correct credit card.

The different types of credit cards should be known

The different types of credit cards should be known

Before applying for a virtual credit card, consumers should be aware of the pros and cons of the credit card in general. The credit card allows consumers around the world to pay their bill or purchase. It is always important for consumers to know how credit card payments in the network are handled reliably and responsibly.

One of the biggest advantages of the credit card is that it can be used anywhere in the world. This allows our customers to withdraw cash and make purchases free of charge anywhere in the world. However, they are at home in more than 200 states. This means that not only in the Federal Republic but also in the international environment can be earned quickly.

The use of credit card in the network is very common. An interest-free loan exists between the house bank and the debtor until the loan amount has been deducted from the customer reference account. This applies to classic cards, debit cards as well as direct debit and prepaid credit cards.

Although the credit card offers many advantages, there are also some problems. Especially risky when using credit card is the fact that more is purchased than actually desired. The handling of the credit card should also be done consciously. We focus separately on this form of credit card. If you apply for a credit card with immediate approval, the pros and cons of the cards should be the same.

This is a prepaid card, but it does not exist in physical form, but only on the Internet. Because the credit card only exists on the Internet, it can not be stolen. Many providers can pay with a credit card, which ensures a quick and easy transaction.

This is a prepaid model so that consumers do not run the risk of getting into debt. 2. The administration of the credit card account is also possible – regardless of time. One of the disadvantages of the credit card is that it can not be used for payment in a store. That the credit card must be charged before use is both an advantage and a disadvantage.

Because it can happen that it can not be used immediately, due to the lack of creditworthiness. Conclusion: There are many types of credit cards. For the credit card to be the best solution, consumers should also weigh the pros and cons before making a purchase.

Applying for a credit card with instant confirmation: how it works!

Applying for a credit card with instant confirmation: how it works!

If you want to request a virtual credit card, you need to find out which providers offer them. For example, there are many banks, such as the Norwegian Bank, which offer a credit card with which the Norwegian bank can gain experience, but this is not provided with an immediate confirmation. Net Bank provides an electronic credit card.

Here you can request a credit card with instant confirmation. This allows consumers without the risk of overdraft to pay and shop on the Internet – all on a credit basis. You can conveniently redeem Fine Bank’s electronic credit card on the internet. The customer can choose when applying whether he uploads a specific motif or his own motive.

Afterwards, customers will soon be able to contribute their own experience with the Netbank credit card. Because it is a credit card on credit, the customer Credit Bureau is not achieved. It is available to the user after 24 hours. You can debit the credit card from any account in Germany.

The credit card costs 7.50 USD per year. Conclusion: The electronic credit card is not offered by too many providers. Therefore, consumers should carefully consider in advance which provider they would like to refer to the credit card. If you want to request a credit card with immediate confirmation, you must first clarify which providers offer this type of card.

Because there are not too many at the moment, consumers should make the right decisions for a credit card. As a rule, the credit card can be used after 24 hours. Consumers should always remember with a credit card that they can not use them in stores. Nevertheless, it can turn out to be a great opportunity in the online business.

Collect credit card experience today.

Money loan agreement from parents

In today’s article I will describe the issue of borrowing money from parents and other family members, I will mention how to avoid paying 0.5% PCC tax on a loan, I will also add two templates of the loan agreement, the first one is: a loan agreement from the parents and the second is: a loan agreement from family members.

Borrowing from the family

Borrowing from the family

The current loan market is literally full of all sorts of solutions. In addition to loans available in banks’ offers (including credit cards and revolving limits), we can also use solutions such as loans at loan institutions (typical ‘payday loans’, installment loans and increasingly popular loan lines, which are a kind of equivalent of revolving limits offered) by banks).

In addition, we also have a wide private loan sector at our disposal.

An alternative option to the above mentioned solutions may be a loan from parents. It is worth noting that in many respects it is also a much more profitable option, especially since Polish law provides in this case the possibility of using many additional options, allowing, for example, to avoid paying tax, which we are theoretically obliged to pay.

However, it is worth being aware of the fact that by borrowing money from family, including even our own parents, we are by no means exempted from having to meet some formal requirements.

Polish law quite precisely regulates the issue of loans between private individuals, including loans between family members.

If you try to circumvent these formal requirements, you may be exposed to really unpleasant consequences, especially from the Tax Office.

Of course, the issue that arouses the most interest in this case is the issue of parental loan and tax, i.e. the possible need to pay tax. However, this is still not all.

What else is worth remembering in the case of a parent loan and what specific formal requirements should we take into account in order not to face legal consequences? Let’s look at this issue a bit thorough.

Parent loan: basic information

Parent loan: basic information

First of all, it should be remembered that from a formal point of view, a loan from parents is also a loan like any other. This means no less and no more than that a necessary loan agreement is a necessary element of borrowing from the family.

In the event that we borrow money without such a contract, from a legal perspective we are dealing not with a loan but with a donation, which involves completely different conditions, for example regarding a possible tax liability.

So what should a parent’s loan agreement be first of all? A suitable, complete and only need to be completed family loan template can be downloaded below:

Money loan agreement from parents – an example

 Money loan agreement from parents – an example 10.00 dollars – I am buying access to the design Click to pay or choose another pattern Added to cart

Family loan agreement

Family loan agreement – template 10.00 dollars – I am buying access to the design Click to pay or choose another pattern Added to cart

Apart from this fact, a parental loan agreement should contain, first and foremost, some basic information, namely:

  • data of the parties to the contract (lender and borrower),
  • loan amount,
  • repayment period and date of the contract.

If the loan bears interest, the contract must, of course, also include information on this subject, i.e. about the interest rate and the final amount to be repaid (if the interest rate exists, the amount will be different than the loan amount itself).

The loan agreement between family members should also contain information on the degree of kinship between the parties to the loan (this is not a mandatory legal requirement, but it is worth including this point in the agreement, because in the event of any future doubts on the part of the Tax Office, it will work in our favor) ).

The contract should be drawn up in two identical copies, signed by both parties, i.e. the lender and the borrower. The parental loan agreement need not be confirmed with a notary public.

Parental loan and tax

Parental loan and tax

Under current Polish law, a loan from a family member is taxable. But how does this issue look in detail?

Basically, Polish law imposes on all private loans the obligation to pay PCC tax in the amount of 0.5% of the value of loans.

However, loans between family members are a special case under domestic legislation. First of all, we are dealing with a statutory tax exemption if the loan between family members does not exceed dollars 9,637 within 5 years, provided it is a loan from one person. A loan from parents that does not exceed the amount mentioned above does not have to be reported to the Tax Office.

However, what if the loan amount is for example 10 or 20 thousand dollars? In this case, theoretically, the obligation to pay the PCC tax remains in force.

However, this condition can be bypassed. It is enough to report the existence of such a loan to the relevant Tax Office. However, for the Tax Office decision to be beneficial to us, the loan agreement must be drawn up correctly, i.e. in accordance with the requirements listed above.

It is worth adding that the above-mentioned information to the Tax Office about a loan agreement for an amount exceeding dollars 9,637 must be made by submitting the PCC-3 declaration within no more than 14 days from the conclusion of the loan agreement.

A loan from a family, how to complete PCC-3?

How to complete the PCC-3 declaration? it’s not that difficult at all, even though the declaration consists of three pages. First of all, fill in only the white boxes! The PCC-3 declaration can be completed in 3 ways:

  • on the machine,
  • on the computer,
  • by hand (with a blue pen).


First of all, remember to draw up a loan agreement and inform the Tax Office about it via the PCC-3 declaration. Otherwise, the Tax Office may demand payment of tax after some time, however, not in the amount of 0.5%, but 20% of the loan amount.

The amount of the parent’s loan should be transferred to the borrower’s bank account. The title of the transfer should indicate that the transfer is a loan (the title of the transfer should be “loan”, “loan from parents”, etc.). This will significantly facilitate the handling of all matters with the Tax Office.

Obligation to pay tax on a loan or to submit a PCC-3 declaration in order to avoid the tax obligation on the borrower, i.e. the person who accepts the loan.