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Legal consultation

Barbarian Diordieva - the lawyer, an analyst.
If you had legal issues, the problems connected with realisation of your rights, and also the questions, concerning legislations, write.

Setting questions, specify region (Ukraine, Russia etc.).

The business and business

Who such business-vumen

You have solved OWN efforts to base PRIVATE BUSINESS and to grow rich? We congratulate on the correct decision! Every year thousand companies are formed, but many suffer failure - first of all businessmen are not familiar with BASES of the theory of the ORGANIZATION and MANAGEMENT of private business.

BEFORE to start the organisation, choose the WORKING SPACE removed from places of daily house vanity. The best place - the SEPARATE room or if you live in suburb or rural area - GARAGE. In effect, ANY space will approach - if it allows to place freely all BUSINESS ACCESSORIES and the EQUIPMENT, and will leave sufficient WORKING AREA for a table and other necessary subjects.

You should define PRELIMINARY, what is the time you can give to business.

Many people begin house business at leisure, SIMULTANEOUSLY being engaged in education of children or working somewhere else. Others devote the business organisations ALL time - provided that it is supposed by family and financial conditions. Whatever were your ENTRY CONDITIONS - find out, HOW MANY HOURS per week, you presume to devote to yourselves to business. Start to make the WEEKLY PLAN OF ACTION. Write down EVERYTHING, than it is necessary to be engaged. Define, WHAT PART of DAY can be taken away on a business management. At times businessmen believe, that presume to spend DAILY to itself some hours for employment by business - and then is found out, that family or working duties do not leave time.

Solve, WHAT BUSINESS involves you.

In the near future on the Female calendar special managements by various kinds of house business which you can immediately begin will start to be published. If at the GIVEN stage it is difficult to define, WHAT business is preferable - make the LIST HAS put, in which you LIKE to be engaged, think of the working and other skills. That from this, than you POSSESS, can be used in business. SEE turned out list. RE-READ the above-stated managements. WRITE out the MOST ACCESSIBLE to you business methods. DELETE the least attractive methods - what applications in your geographical area will not find or will not satisfy REQUIREMENT of the population of your area.

Choose the FORM of the ORGANIZATION of business.

The basic forms - INDIVIDUAL business and the SOCIETY With LIMITED LIABILITY. The MOST CONVENIENT form - INDIVIDUAL business. Business in this form most easier to BEGIN, it is easier for operating.

ADVANTAGES of PRIVATE business are that:

1. ALL PROFIT belongs to you.
2. Private business is simple and inexpensive in the organisation. Everything, that you should make it to register as the Businessman Without Formation of the Legal Person (ПБОЮЛ)
3. You are a BOSS.
4. You have considerable TAX ADVANTAGES. At the simplified system of the taxation you, at your choice, will pay to the state or 6 % from a gain, or 15 % from a difference between incomes and expenses. Also it is all!
5. PRIVATE possession STIMULATES work and responsibility. As it is a question of your OWN money, you enclose the ENERGY and TALENT maximum in business. The success depends on YOUR ability to make correct decisions and to operate circumstances.

If your business demands INVESTMENTS, define the SOURCE of means.

3 ways of financing of new business are used: OWN savings, the LOAN, or services of INVESTORS. Is BETTER to begin with small, using OWN savings and not to worry about debt return. Keep in mind: as you will organise PRIVATE HOUSE business, possibilities for reception of the LOAN or attraction of INVESTORS are insignificant - till that time as the success of your idea is not becomes obvious. It is necessary for you to familiarise with the special information. Devote some days to studying of our materials about KINDS of house business. Check up RESTRICTIONS of local controls. If you live in the many-storeyed house, specify rules of use of a floor space. Be convinced, that the chosen house business does not contradict these rules. Generally, not irritating neighbours superfluous noise or a smell, you will not meet any obstacles. Neighbours, probably, at all do not learn about existence of your business. Nevertheless, it is necessary to take an interest in what RESTRICTIONS exist in your inhabited complex.

You should choose the NAME for the business. According to the statistics, successfully chosen name for business can INCREASE number of CLIENTELE and, hence, a sales volume, to 50 percent. Concern a name with attention.

Now it is necessary to make BUSINESS - the PLAN (it is necessary in MANY cases - for example, for search of investors). The good business plan WILL order your thoughts and will establish the OPERATIONS PROCEDURE. Business - the plan should PRESENT:
- THAT you are going to sell
- Your PREPARATION and QUALIFICATION
- Prospective CLIENTS
- WAY of ATTRACTION of clients
- What MATERIALS are necessary for business creation
- As you plan to carry out ADVERTISING
- What EXPENSES are necessary for company creation.

Receive LICENSES and PERMISSIONS. Depending on the chosen business, probably, to you the licence, or the special permission to activity is required.

Open the BANK ACCOUNT.

It is important to notice, that presence of the bank account imposes certain obligations on any businessman. If you have not organised the Society with Limited liability, and represent the Businessman without formation of the legal person (ПБОЮЛ), you has the right not to open the settlement account, the legislation at all does not order to you to have the press. All calculations you as ПБОЮЛ, have the right to carry out cash! Thus the sums of calculations have no value. Today in Russia it is quite often possible to meet large enough enterprises, with turns in millions the roubles operating as ПБОЮЛ. The well-known scandal just also is connected with one of oligarchs by that mullions-strong dollar (!) The oligarch declared incomes as incomes of individual enterprise activity and has fairly paid 3000 roubles for the patent. Now the patent is excellent, instead of it there is a tax to the made income, but it any more that tax вольница which existed in Russia 2 years ago. It is important to choose suitable BANK. Here we will pay it special attention. Most easier to visit the Savings Bank of Russia and to open there the account. If you - ПБОЮЛ, it is possible to use the SAVINGS account. But it NOT ALWAYS the best decision. Probably, other COMMERCIAL banks will offer much more favourable or more convenient service. Choosing bank for the business, find what will better satisfy YOUR REQUIREMENTS. Define, WHAT SORT of operation you will make. Will speak by phone with managers of local banks. Carefully lead selection. Do not make the decision ONLY on the basis of territorial affinity! The geographical position - is far NOT the most important factor.

Choose bank where you will see the best RELATION to the client. The your relations with operating branch or managers will be more friendly, the your possibilities for statement of the loan or reception of concessions which can be necessary in the future are wider. Get acquainted with employees of bank. Be assured of itself. Remember: bank and employees work FOR YOU. Than is better you learn employees of bank, ESPECIALLY ATTENTIVELY they will concern needs of your business.

Do not forget: the banker to whom you address for the decision of the financial problems - the expert in the area. In business each businessman or the employee - the expert on a SEPARATE NUMBER of problems. In the relations with businessmen, do not try to show, that know a question better than they. Find MOST WELL INFORMED person in bank, and address with CONCRETE questions concerning requirements of the business. Do not hesitate to ask! Be not afraid to seem unaware in elementary questions. ASK more, try to LEARN better, and very soon you will find out that have overtaken competitors who know less you. Knowledge - money. The big money. Avoid banks where managers could not answer the put questions.

Soon you will find out, that various banks specialise in work with different directions of business. Some specialise in work with the real estate, some - in export-import business and т д. Try to find the bank familiar with YOUR field of activity.

Here some QUESTIONS which you SHOULD set to the employee of bank:
- Whether it is necessary to keep certain BALANCE on your account - before the bank will confirm the credit?
- What DOCUMENTS are necessary for having for credit reception?
- Whether limits bank quantity or types of loans given to the SMALL-SCALE BUSINESS?
- What politician of bank concerning the MINIMUM size of the brought DEPOSIT?
- Whether emits bank CREDIT or ДЕБЕТНЫЕ CARDS, and what size of a payment for using them? Our century - an era of plastic cards and ecash. Your business will win from YOUR ability to use plastic cards for departure and reception of payments much.

EQUIP your business by all necessary.

Make the LIST of ALL that can be demanded to start work but before to buy - look, that you ALREADY have. The FAX, reliable PHONE, the ANSWERING machine, the COMPUTER, the PRINTER, the MODEM is required to you. Necessarily will get access to the Internet. Try to save on all. See the newspaper of free announcements about purchase second-hand. You can save to 70 percent, buying used office technics. As a rule, it satisfies needs of the INITIAL STAGE of work. At printer purchase, think about matrix - you will save on cartridges. In the market there are matrix printers which use tapes for typewriters. You will see, how many money you will save at the initial stage, using tapes for typewriters instead of expensive cartridge. When the income will grow, you buy the jet or laser printer for manufacturing of responsible documents. Your INITIAL requirements will not demand the newest and powerful computer. You can begin with older, for example Pentium 150, having got it for $300 including periphery. Later you modernise it according to the newest standard. The same concerns other components of the equipment. Your INITIAL INVESTMENTS can be shown thus to the MINIMUM.