First and foremost: so far nothing has changed significantly. The increase in the retirement age will be gradual: each year the retirement age will increase by one year. Moreover, in 2019 and 2020, for those future pensioners who have reached the so-called “old” retirement age (60 years for men and 55 years for women), the increase will not be a year, but 6 months. Full-fledged changes, when the retirement age eventually grows by 5 years, will affect women born in 1968 and younger and men born in 1963 and younger. Continue reading
Very often I come across the opinion of businessmen about the fact that business without loans is impossible.
Most of this is proved by those who are fed up with loans, but are trying to take more. Let’s look at loans that are taken for operational activities, and step by step see what to do in this situation. Most often, loans are taken to pay suppliers and, as it were, to “improve the business.” But business recovery is not in new loans, but in reorganization. We will analyze the situation and take a step-by-step action plan so that “sinful loans do not kill your business”. Continue reading