How to get money for the development of an organization. Pros and cons of Yandex
1. Internet exchanger
Let's say you have fiat money and want to transfer it to Binance. It is currently impossible to directly deposit money on Binance, i.e. I / O to Binance is possible only with cryptocurrency. However, we will show you the most profitable and popular ways to deposit fiat money on Binance.
The easiest way is to use internet exchangers, such as for example:
- bestchange.ru;
- Ychanger.net;
- payments.changelly.com;
and many others.
This method is very simple, for example, you have Yandex.Money, Qiwi, Webmoney or even a bank card. Then you choose the direction on these exchangers (for example, we will show how to exchange Qiwi for Bitcoin using the bestchange), indicate what to exchange for, transfer money, enter your cryptocurrency wallet (cold, hot or multicurrency) or directly an account in the Binance exchange and in within half an hour you get yourself a cryptocurrency for fiat money. In this case, the probability that you will be deceived is zero, i.e. all of these exchangers are well protected and keep track of their reputation.
True, there is one point. It is very unprofitable to change cryptocurrency through such exchangers, as a rule, when buying a cryptocurrency, the rate is very overestimated, and when selling a cryptocurrency it is very underestimated, the difference from the real rate can reach 40 %, and these are significant losses, and we do not advise you to use exchangers to deposit money on Binance, or any other exchange.
We buy bitcoin through the exchanger
2. Exchanges with the introduction of fiat
The second way to fund Binance with money (fiat) is to use other exchanges, for example:
and others.
For a complete list of exchanges and methods of exchanging fiat money for cryptocurrency, please contact our support team.
So, first you need to understand which payment systems are more convenient for you to use. It can be all systems known in the CIS and beyond, as well as bank cards. Yes, it is also possible to top up Binance with a card.
For example, we will tell you about two popular payment systems, as well as about depositing money to Binance with a card.
3. Top up via Qiwi
One of the most popular payment systems is Qiwi. The article will not tell you how to open an account with Qiwi and how to make a deposit to this system, we assume that you have funds on Qiwi and you need to replenish your account on Binance for them. To do this, you need to register on one of the exchanges where Qiwi is accepted, for example, these are:
- livecoin.net.
Registration on these exchanges is simple, verification for amounts not exceeding 10000 dollars per day are not needed (if you have not enough such a limit, then go through verification - it is not difficult). After registration, go to the wallet section (for example, we will show the EXMO exchange), and then select RUB, click the top up button and in the window that appears, enter the amount and complete the process of depositing funds on the EXMO exchange by clicking the "Top up balance" button.
We choose to replenish the account through Qiwi.
We indicate the amount, click "Top up balance".
4. Choosing a pair on the exchange
After you have made a deposit on EXMO in rubles, go to the "Trades" section and buy Bitcoin for rubles.
We go to the "Trades" section.
We select the required pair (for example, BTC / RUB).
5. We buy Bitcoin for rubles
After selecting a pair at the bottom of the screen (below the chart), indicate the amount of BTC you want to buy, the purchase price and click “Buy BTC”.
We indicate the amount of BTC.
We indicate the price.
Click "Buy BTC".
6. Transfer to Binance
When you bought bitcoin for rubles, go to the "Wallet" section, select BTC and click on the "Withdraw" button. Enter your Bitcoin wallet number on Binance and withdraw. Bitcoin on your Binance will be available for 2-3 hours.
Please note that for entering QIWI on EXMO you will pay a commission (approximately 6%) and the rate of cryptocurrencies on the exchange in pairs with fiat money is overstated.
We choose what to display.
Click "Withdraw".
7. Top up via Yandex.Money
It is possible to replenish Binance Yandex with money. You need to use one of the cryptocurrency exchanges that accepts Yandex.Money. For example, we will take the very popular Yobit crypto exchange (Yobit.net or Yobit.io are the same exchange). The registration process on the exchange is simple and verification is not needed there (it is only needed when you withdraw significant amounts of funds).
8. We enter on the exchange
To replenish your Yobit account, you need to go to the "balances" section and then select, for example, RUR (these are Russian rubles), you can also select USD (these are US dollars), press "Enter".
Go to "Balances".
We choose RUR.
Press "Enter".
9. Choosing a payment system
Then choose Payeer, enter the amount and click "Replenish".
Choosing a payment system.
We indicate the amount.
Click "Replenish".
10. We transfer Yandex.Money
After that, the money (within 5 minutes) goes to the account in the Yobit exchange.
Choosing Yandex.Money.
We go through registration.
We are completing the translation.
11. Buying cryptocurrency
Go to the "Trades".
Choosing a pair.
We buy cryptocurrency for rubles or dollars.
12. Submitting to Binance
When you bought a cryptocurrency, put it on withdrawal (transfer to the Binance exchange). To do this, you need to go to "Balances", click on the "-" icon and indicate your account number on the Binance exchange. Within an hour, the funds will be available on the Binance exchange.
Please note that you will pay a commission for replenishing Yobit with Yandex.Money, in addition, the rate of cryptocurrencies on the exchange in pairs with fiat money will be overestimated.
Go to "Balances".
Click "Conclusion".
We indicate the wallet number on Binance.
13. Top up via card
If you want to fund your Binance account with a bank card (MasterCard, Visa), then this is also possible. To do this, you will again need one of those exchanges where a deposit from a card is possible. As an example, we will again take the EXMO exchange, but to deposit funds from the card on this exchange, you need to go through verification on EXMO, it will take no more 72 hours, but when it is completed, you can always replenish your account with a card and subsequently transfer funds to Binance.
14. Choosing a currency
As described above (example with input via QIWI), you need to log into your account, then select "Wallet" and the currency that you have on your card.
Go to the "Wallet".
We select the required currency.
We transfer money from a bank card.
15. Go to the trading section
As soon as you have made a deposit from the card, go to the "Trades" section and buy Bitcoin for rubles, dollars or euros.
Go to the "Trades".
We choose a pair with fiat money.
16. We buy cryptocurrency
In the "Purchase, BTC" section, indicate the required amount of cryptocurrency, the price and complete the purchase by clicking the "Buy BTC" button.
We indicate the quantity.
We indicate the price.
Click "Buy BTC".
17. Start on Binance
After you have bought bitcoin, go to the "Wallet" section, select BTC and click on the withdraw button. Enter your Bitcoin wallet number on Binance and click "Withdraw". Bitcoin will be available on Binance for one hour.
Please note that you will pay a commission for replenishing EXMO with a bank card, in addition, the rate of cryptocurrencies on the exchange in pairs with fiat money will be overestimated.
Selecting the purchased cryptocurrency.
We indicate the address of the wallet on Binance.
We complete the transfer by clicking on "Withdraw".
18. The most profitable way
As you can see, it is possible to replenish Binance with money (fiat), but losses on commissions and rates will take approximately from 10 before 40 % of the initial deposit amount. Therefore, the most reliable and most profitable way to deposit fiat money into Binance is to use the services of our website and our specialists. We will exchange any electronic money for cryptocurrency (at the Binance rate) for a minimum commission. Many have already used this service, and you can read
In the process of carrying out entrepreneurial activity, the question often arises: "How to deposit money or other property on the company and not have any claims from the tax authorities after that?"
Let's figure it out. To begin with, let's decide who contributes the property. This could be:
- A person who is not the founder or shareholder of the firm.
- Founder of the company or shareholder.
If the money is contributed by an unauthorized person
With this option, the following option will be the most reliable and simpler. Registration of a loan agreement, either interest-free or at a low interest rate.
Note that the loan agreement under the Civil Code is onerous, this provides for the receipt of interest from the borrower on it. But in the contract itself, you can prescribe a condition on its gratuitousness.
Some entrepreneurs fear that the tax authorities may see a material benefit from savings on interest if the loan is issued at low interest or interest-free. But these fears are unfounded. The tax authorities do not have the right, by analogy with the personal income tax, to charge an organization with a profit tax on the material benefits from savings on interest.
In the future, the loan will, of course, have to be repaid. Debt forgiveness, as an option, is only suitable for a founder with a share of more than 50%.
If funds are contributed by the founder
If the founder contributes property, then it is necessary to determine what size of the share in the authorized capital of the company he owns: more or less than 50%.
The share of the founder is more than 50%
Such a founder can easily contribute both money and property, registering this operation as the free assistance of the founder. But keep in mind a few points:
- The founder must own a share of more than 50%, for example 50.01% (if we are talking about a joint-stock company, then 50% plus one share).
- If fixed assets are contributed, then it is not worth selling them within one year from the date of their transfer by the founder. Otherwise, according to the rules of the Tax Code, the privilege cannot be applied and the cost of the fixed asset will have to be included in the income tax base and taxes are charged on the operation upon receipt of such property.
- The position of the Ministry of Finance has changed several times regarding the accrual of depreciation on the transferred fixed assets. If in 2006 the opinion was expressed that such property is being amortized in the usual way, then in 2012 the opinion changed to the diametrically opposite - it is impossible to amortize such property in tax accounting, and accordingly the base for income tax will be higher, and the tax itself is higher.
- Listen to the regulatory authorities and do not charge amortization (advice, of course, for not particularly thrifty entrepreneurs).
- Be ready to defend your position in court.
- Or proceed as follows. The founder gives the funds to the company, and the company buys the necessary fixed assets and amortizes them calmly. There will be no claims from the tax authorities.
Founder's share is exactly 50% or less
The following options will work:
- An increase in the net assets of the company (the opportunity appeared in the Tax Code more than 2 years ago). The algorithm is simple. We call a general meeting of founders, at which we make a decision to increase net assets and “painlessly” contribute funds to the company. Note that now the specialists of the Ministry of Finance are planning to "attack" this mechanism of preferential deposit of funds, but so far this option is possible for use. We are closely following the development of events and will definitely inform you in case of a change in the position of the Ministry of Finance.
- The option of depositing money under a loan agreement is suitable (similar to how money is contributed by an outsider).
Electronic money, an electronic wallet - for many of us, this is no longer a wonder. Paying utility bills, earning money as a freelancer, making money transfers to loved ones, paying for purchases in online stores - all this requires an electronic wallet. In this material we will tell you how to start and how to use Yandex. Wallet, one of the simplest and most reliable for today.
Why do you need an electronic wallet?
First of all, they start an electronic wallet to settle with sellers who have an online store, or providers of remote services. It is convenient and economical if you and the addressee have an electronic account of the same system - the commission for the transfer will be practically penny. That is why it is better for people who concentrate on remote work, freelancers, to have several electronic wallets, so that when making payments with any customer, they have an account to which your earnings will come very much not reduced by the transfer commission.
There are many electronic money systems today. The most famous:
- WebMoney.
- QIWI.
- RBK Money.
- "Yandex money".
To transfer money, say, from the WebMoney wallet to the Yandex.Money wallet, you need to contact intermediaries - Robokassa, Z-Payment. Naturally, they collect a commission for their services. That is why it is important not only to start an electronic wallet "Yandex", but also other systems in order to profitably make payments on the Internet.
Pros and cons of "Yandex. Money"
Today more and more users choose the Yandex system. This is due, to a large extent, to the reliability of the system - since 2012 it has been owned by Sberbank of Russia. But this also leads to its shortcomings: mandatory verification, strict adherence to the letter of the law. We put other pros and cons in the table.
System advantages | Disadvantages of the system |
Logical and lightweight interface. Sending money is a procedure with a minimum of steps. Funding your wallet is easy via bank transfer. The breadth of possibilities of use. If the amount on the account is less than 15 thousand rubles, then it is possible to transfer it into real money without user identification. Possibility of issuing a plastic card tied to your wallet. Availability of the Yandex. Money mobile application. High level of protection provided by a protection code. | All transactions are in rubles only. The system is focused only on the RF. There is no possibility of lending within Yandex. Money. A considerable percentage for the withdrawal of money. There is no so-called two-phase payment regime. Can only be used by individuals - otherwise the account will be blocked. |
If, after weighing all the pros and cons, you decide to start a Yandex. Wallet, registration and other important steps await you in our further story. Let's start by opening an account.
Create "Yandex. Wallet" for free: registration
As you understood from the title, registration in the Yandex. Money system is absolutely free. How to start a Yandex. Wallet:
- Go to the start page of the system: click on the "Login" tab, in the next window click on the "Registration" link.
- The most convenient way is to register through a social network. Today this can be done through VKontakte, Google, Mail.ru, Odnoklassniki, Twitter, Facebook.
- How to start a Yandex. Wallet? You can go the other way: come up with and enter a username and password, an email address for notifications and, of course, your mobile number. In this case, the login must be unique (this will be indicated by a green check mark next to it). This way you will gain not only an account in Yandex. Money, but also in all services of the system, incl. and free email.
- If you have an account in the Yandex system (in other words, an electronic mailbox), then click on the link "I have an account on Yandex." In the "Login" field you enter its name, and in the "Password" field - accordingly, the password from your e-mail.
- If this is your first time in the Yandex system, then you need to enter your last name and first name.
- Confirm that you are not a robot by entering characters from the captcha. If it is incomprehensible, then it can be replaced with another one.
- We advise you to keep your wallet username and password in a safe place and disable autocomplete for these fields.
- Once all the required items are filled in, click on "Continue".
- We continue to tell you how to start a Yandex. Wallet. Next, a window will open in front of you in which you need to dial a digital code, which will come to you in the form of an SMS to the specified mobile number.
- If you have not entered a "mail" to receive notifications from the system, then now is the time to enter it. It can be either mail on Yandex or any other.
- Read the "Agreement on the use of data", if everything suits you - check the box on "I accept ...".
- And now - click on "Open wallet". That's all, in a few simple steps you have acquired your account in Yandex. Money, which you can start using right now!
How do I find my wallet number?
We have analyzed how to start a Yandex. Wallet. Many are interested in how to find out his number in order to send it to your partner, friend, employer. As soon as you click on "Open Wallet" during registration, you will be taken to the main page where you will find these numbers. If you did not pay attention to them at first, closed the page, you need to do the following:
- Log in to the Yandex home page by entering your username and password.
- In the top menu bar of your account, find "Money" and click on this link.
- Next to the "wallet" icon (next to it "0 rubles" will be signed for now), click on the "down" arrow.
- In the menu that appears, you will see your wallet number, similar to a bank account.
Replenishment of the wallet
You can replenish Yandex. Wallet through these systems:
- Communication salons - "Svyaznoy", "Euroset" and so on.
- Virtual prepaid cards.
- ATMs and bank terminals.
- Transfer from other payment systems, for example, "Qiwi", "Web Money".
- With the help of banking applications, in particular, the popular "Sberbank Online".
- Bank cards, etc.
Let's consider the most popular replenishment - with the help of Sberbank systems.
Replenishment through Sberbank terminals and ATMs
ATM:
- Enter your card, pin code.
- Select "Pay for services", then click on "Next".
- Find "Electronic money", and in them - "Yandex".
- Enter the number of the wallet to be replenished, again "Next".
- Then indicate the amount of replenishment "and again" Next ".
- Check all the details and click on "Pay".
Via terminal:
- "Cash payments", then - the "Continue" button.
- Find "Payments to the organization", and under them - "Other".
- Find "Yandex", then - "Pay".
- Enter the wallet number, then - "Continue".
- Deposit money, "Continue" again.
- Be sure to keep the receipt given to you by the device.
Transfer from wallet to wallet
In addition to the instructions "How to start" Yandex. Wallet ", many are interested to know how to transfer money from one account to another. It's simple:
- Log into your Yandex. Money account, click on the Transfers tab.
- Enter "From" (your wallet) and "Where" - this can be either a Yandex wallet or a bank card.
- Additionally, you may need to enter a phone number, e-mail address.
- You can protect the transfer with a protection code or attach a message to the recipient.
- In a specific box below, enter the transfer amount, then "Continue".
Withdrawing money from an electronic wallet
In the instructions "How to start a Yandex. Wallet", we will finally indicate how to withdraw money from it:
- Log into your account, click on the "Withdraw" tab.
- Check the filters for displaying: "in my region", "instantly", "without identification" (check the last one if you have not passed the verification procedure).
- Select the withdrawal option: to a Yandex card or another plastic card, to a bank account (individual, legal entity, credit), by expedited transfer to a bank, through a money transfer system (Western Union and others like it).
- Specify the withdrawal amount, confirm the action.
So we figured out how to open Yandex. Wallet and how to use it. Now you are convinced that this is a very intuitive and easy-to-use service.
If you have already started saving money, congratulations - this is a smart step towards a secure future. Ideally, your cash "safety cushion" should be enough for six months of life without financial income. But even if every month you make a profit and increase your savings, this does not mean that your strategy is perfect.
Financial Planner David Blaylock analyzed common ones and gave some tips for improving them.
Strategy # 1. Putting Aside What Remains
So you pay your monthly bills, maybe spend a little on entertainment, and then whatever remains is sent to the bank account. Knowing that you, in principle, have money, you can spend more than you should, and then spend the funds intended for accumulation. It is also difficult to set yourself a specific savings goal, because you can never say for sure how much will remain after all the expenses. You can try another way instead.
So how should it be?
The very first invoice that needs to be paid after paycheck is your savings account.
Make it your rule and treat it as a mandatory and most important part of payments (of course, if you have enough money to pay all other bills).
Create an automatic transfer of money from your bank card to the savings account at the beginning of the month or from each receipt. If you just put on such an automatic transfer of money and forget about it, after a while the amount of accumulated funds will greatly surprise you.
Strategy # 2. I transfer money to a savings account
So, you regularly are great. And a savings account with a plastic card is very convenient. But there are also disadvantages here.
If you run out of money, you run the risk of withdrawing your savings or even spending it on an unexpected but highly coveted purchase. And, most likely, you will do this, because it is very easy to withdraw money: they are always within reach, you do not even need to go to the bank, you just need to use an ATM.
So how should it be?
Open a deposit in the bank for 6 months or for a year. This way you will definitely not waste your storage money. Just don't invest everything. Leave some in your regular emergency savings account.
Strategy number 3. All my savings are in one account
When you have only one savings account, it seems that money is accumulating on it quickly and there is enough money for everything. If you only save up for one thing, for example, for an apartment or for vacation, then everything is in order. But if you have multiple goals, one bank account makes the calculations difficult and you don't see concrete progress. It is more difficult for you to understand what you have enough money for and what you will have to wait with.
As a result, it turns out that by spending savings, for example, on vacation, you do not leave anything for a new car.
So how should it be?
It is better to create several accounts, each of which will be dedicated to a specific goal, for example: "home", "vacation", "education for a child." This will make it much easier to calculate your finances and see real progress.
Strategy # 4. I save large sums at once when I can
Some people do not save money on a permanent basis, but save large sums immediately when they have a lucky break. With this way of accumulating, feelings of abundance and guilt alternate. The last one is when you have to take money from your savings. Frustration from this can even discourage the desire to save money again someday.
So how should it be?
Your best bet is to set your own savings goals and strive for them. Determine the specific amount of money you want to save each month. If it seems to you that it can be increased without compromising the quality of life, do it. But! Contributions must remain consistent and the same.
Strategy # 5. I Postpone All I Can
Despite the need to have savings, you should not get too hung up on this and deny yourself the pleasures. They are the ones that help us stay happy and maintain mental health.
So how should it be?
If you didn’t have a month in which you could deposit money into the “emergency fund,” put off all other payments and treats until you can.
When your six-month emergency fund is replenished, Blaylock advises you to change your strategy. Since small cash savings bring little money, it is worth thinking about longer-term ones at good interest rates.
If your organization is in a difficult financial situation, and you want to help it out, we can tell you about the two easiest ways to arrange it in the accounting department. We also know about two not very simple, but also possible design options.
Method number 1: interest-free loan
Most often, this method is chosen for processing the deposited funds. It is attractive in that the organization does not have to pay any taxes from the borrowed money, and you can return the investment back to yourself when things get better.
From the documents, it is enough to draw up a loan agreement. In it, be sure to indicate the following important conditions: the amount of the loan, the term of provision, the procedure for repayment, and also indicate that interest on the use of the loan is not charged. Then just deposit the money in cash at the organization's cash desk on an incoming cash order or transfer to a current account. You can also easily repay the loan - in cash from the cash desk on an expense cash order or transfer it from the organization's current account to your personal account.
As we have already said, borrowed funds are not taxed, so they do not need to be taken into account either in income or in expenses.
Method number 2: material assistance
Money can be invested in the organization irrevocably. It is also easy to document this, however, there is one peculiarity: if there are several founders, and you own half of the authorized capital or less, then the organization will have to pay tax on this money.
Support the financial assistance of the organization with a document - a donation agreement or an agreement on the provision of material assistance by the founder. It should record the fact that you, as a founder, transfer funds in a certain amount as financial assistance free of charge. After that, the money can be transferred to the organization in cash and issued to the cashier on an incoming cash order or transferred to an account.
If your share in the authorized capital is 50% or less, then the organization received financial assistance must be recognized in income at the date of receipt. The amount of money from the founder must be reflected in the KUDiR and taken into account when calculating the tax. If your share in the authorized capital is more than 50% or you are the only owner, then the funds are exempt from taxation.
Unlike an interest-free loan, the amount of financial assistance is not returned to the founder and, accordingly, when things get better, the company will be able to pay dividends to the founder. But from them, as you know, it will be necessary to withhold personal income tax in the amount of 13%.
In fact, there are two more ways to get free help from the founder, but they are more complicated and are used less often. If you are interested, we can also briefly tell about them.
Method number 3: Contribution to property
First of all, you need to check that the charter of your organization provides for such an opportunity. If there is no such condition in the charter, then first you will have to make changes to the main document of the LLC, and this is already additional trouble. Then you need to hold a meeting of founders and make a decision on making a contribution to the property of the organization. Draw up a protocol based on the results of the meeting. If you are the sole founder, then just write the decision.
There is one important nuance in terms of the size of the contribution: if there are several founders, then everyone must contribute in proportion to their shares in the authorized capital. The total amount of the contribution must be determined at the meeting of the founders.
With the sole owner, everything is very clear: you independently decide how much to contribute and transfer the money to the organization.
Plus, this method of registration can still be found - cash is not taxed if it is a contribution to an increase in net assets.
It seems that this method is suitable for registration of gratuitous assistance to two founders, who have exactly 50% in the authorized capital. Mat. Help from any of them will be taxable, and making a contribution to property will help to avoid unnecessary taxes.
The contribution to the property of the organization does not increase the authorized capital, and the par value of the shares in the authorized capital remains unchanged.
Method number 4: Increase of the authorized capital
However, if you want to increase the authorized capital, then there is such an opportunity too. Let's say right away that the result of the whole procedure will be the introduction of amendments to the constituent documents and to the Unified State Register of Legal Entities.
The authorized capital can be increased only if it is fully paid up.
It all starts with the decision of the general meeting of founders to increase the authorized capital. The sole founder makes this decision independently.
In the decision, it is necessary to determine the total cost of additional contributions, the ratio of the contribution and the amount by which the nominal value of the share will increase, as well as the term for making the contribution. The term for making a contribution cannot be more than 6 months from the date of the decision.
Then you need to make a decision on amending the constituent documents and submit documents to the tax office:
- application form R13001;
- decision to amend the constituent documents;
- new edition of the charter;
- payment order for payment of the state duty of 800 rubles.
Although funds are not subject to taxation, this method of registering financial assistance from the founder is practically not used.