You can hear the following phrase: “Then more intensive penalties will be applied.” What does this mean and does it mean anything at all? Let's start by reiterating some basic truths. The first point is that callers use cultural psychology of pressure; extremely rarely, some of them try to resort to banality. The second point is that if the total debt on the loan is small, it is difficult to determine the exact amount since this is a multifactorial issue, no one will sue you...until the debt reaches a certain level. There is such a thing as “debt that is inappropriate for collection in court.” It is necessary to understand that bank employees or companies that work with them under agency agreements were initially prepared for what they had to do. Each employee on the monitor has information about the client, some notes (as some of them say from the word note - record) from previous callers, where some small notes are indicated like: “refusal of payment”, “phone not answering”, “ third parties pick up the phone”, etc. In addition to information about you and your debt, each employee has completed the “young fighter course”, and they will apply everything that they have been taught to you, using phrases such as: “difficult situation”, “critical situation”, “serious situation”, etc. p. This was all done on purpose so that you would perceive the situation in an extremely negative light for yourself. Calling employees of a bank or company that are call centers will be the first echelon for pre-trial debt collection. Their task is simple: to reach the borrower and inform him about the debt. Then you need to find out when the client is going to pay it, or record the refusal. If everything went well and the client named the date, this in no way means that they will stop calling him right away. After all, the bank has an automated system for interacting with defaulters. First, she “sees” that there is a debtor, then dials his number, then the first available operator receives information on the monitor, and he begins a conversation with you. Sometimes, if the system “slows down” or “freezes,” you will hear words like: “We have something for you.” important information, please stay on the line." There are also some oddities with such automation. The more days and the greater the amount of debt, the more obvious it is that the borrower is not going to pay, which means those who call cannot cope with their task." Your case is classified as a “willful defaulter” - this is a new, higher level of collection! Now you are dealt with by the department for overdue debts, or for troubled assets, or the collection service. There are many names, the names are different, legally, alas, they don’t mean anything. Now your case will be looked after by people who are more “trained” and qualified in terms of putting pressure on the borrower. They have a much smaller circle of “debtors,” but there may not yet be a specific person assigned to your case. depending on the bank and the “complexity” of the relationship with the defaulter. That’s the whole new “height” of the degree of collection under your loan agreement. Again, words and again words, since the degree of collection is not regulated by height, it can simply be legal or illegal and that’s all. . This article does not contain any useful and practical information; its necessity, like related articles, is determined by one factor - the degree and range of various methods of verbal pressure on the borrower is so multi-level and multifaceted that by the time you write everything down, dozens more “feints” will appear. . However, repetition is the mother of learning! It’s better to once again establish one truth - you will receive calls, and all your pre-trial conversations will legally mean nothing, but bank employees will “record the refusal” of payment, since they have instructions and are on a salary that they must work off. In addition, do not forget that all conversations with you are recorded to “monitor the quality of service.” Remember that if you have nothing to pay, or you do not agree with the fines and interest accrued to you, and there is no confidence and opportunity to pay off your principal debt, since the bank will write off the incoming amount in violation

2017-12-15 12:00:53

In one of the blog posts, we have already considered options for mandatory registration of a legal entity or individual entrepreneur for VAT. Here we will talk about another type of VAT payer, but with its own special specifics, namely, registration for VAT as an Identified Person (editor’s note from the Czech language “identifikovana osoba”, hereinafter only an Identified Person).

“What is it and what do you eat it with?”

The identified person is subject to VAT only in connection with transactions carried out outside the Czech Republic. In the Czech Republic, the specified person remains a non-VAT payer and does not have the right to reimburse himself for VAT on incoming purchases.

When are you required to register as an Identified Person?

According to §6 of the VAT Law, a legal entity and/or individual (non-VAT payer entrepreneur) is required to register as an Identified Person in the following situations:

- purchase of goods from another EU member state in an amount exceeding CZK 326,000 excluding VAT (except for the purchase of a vehicle and goods that are subject to consumption tax) in one calendar year (tripartite trade does not apply);

— acquisition of a service, the place of performance of which is in the Czech Republic, from an entrepreneur not from the Czech Republic;

— ordering the supply of goods with installation and assembly, or the supply of goods by systems, the place of execution of which is in the Czech Republic from an entrepreneur not from the Czech Republic;

- provision of a service, the place of performance of which is in another EU member state (except for services that are exempt from VAT in the EU).

When do I need to register?

If one of the above situations occurs, you must register as an Identified Person within 15 days from the moment the obligation arises. To do this, just fill out and send the registration form to the Tax Office corresponding to your place of business activity through a special email box company (datová schranka), or deliver the form in person to the registration window (only for an entrepreneur who does not have one).
You can also register as an Identified Person on a voluntary basis if you know that you will soon need such registration.

What responsibilities arise from registration?

• if you provided a service to another EU member state, you need to submit a summary report for the EU (edited from Czech “souhrnné hlášení” - a type of tax return with the help of which the tax office is informed about taxable transactions with entrepreneurs from the EU) before the 25th following the reporting month. You do not need to submit VAT recognition and pay the VAT itself, since you have not incurred a tax liability;
• if the VAT transfer was on you (for example, you purchased a service in another EU state with the place of execution in the Czech Republic), then by the 25th day of the following month, you need to submit a VAT recognition (edited from the Czech language “přiznaní DPH”) , control report (ed. from Czech “kontrolní hlášení” - a detailed report in the context of each movement of goods/services, a type of tax return that is used as a tool for regulating tax evasion), and also pay VAT to the Czech treasury.

Cancellation of registration

You can cancel registration as an Identified Person in the following cases:

• over the last 6 months you have not become obligated to declare VAT in connection with the provision and/or purchase of services that were subject to registration;
• in the current and previous calendar year you have not purchased goods (except for a new vehicle and goods that are subject to consumption tax) in an amount exceeding CZK 326,000 excluding VAT;
• You have suspended economic activity.

Common examples from the life of an entrepreneur

AdSense

You provide contextual advertising services through Google AdSense and received income in the form of a click when a visitor clicks on a link posted on your website. You become an identified person from the day you provide the service of placing this advertisement on your website. By placing contextual advertising on your website, you have provided a service to a company from another EU member state (in in this case, Google Ireland).

Thus, by the 25th day of the month following the reporting month, you will submit a consolidated report; you will not pay VAT, but will transfer this responsibility to Google.

Facebook

You have ordered a service to place your advertising in social network Facebook. In this case, an invoice for the services provided will be issued to you with an Irish VAT number, as a result of which VAT will be transferred to the recipient of the service. Up to 15 days from receipt of the first such invoice, you are required to register as an Identified Person. By the 25th day following the reporting month, you will submit a VAT recognition (in which you will calculate the VAT) and a control report. VAT must be paid along with the submission of reports.

We will analyze these and other examples in more detail in the summary table.

• IO for VAT - registration for VAT as an Identified Person
  Difference between a classic VAT payer and an Identified Person

Unlike a classic VAT payer, the Identified Person has a limited range of responsibilities.

For the Czech Republic, the Identified Person remains a non-VAT payer and is not entitled to add 21% VAT or refund VAT on taxable transactions in the Czech Republic.

A classic VAT payer submits VAT reports every reporting period, regardless of whether a tax liability has arisen. An identified person does not need to submit VAT reports (VAT recognition, control report and summary report) if no tax need arose in the reporting period.

So, let’s summarize the above for the Identified Person: if you provided a service in the EU, you submit only a summary report; if you purchased a service from abroad, submit VAT recognition and a control report; if you purchased a service from abroad and provided it in the EU, submit all three reports (VAT recognition, control report, summary report); if there were no taxable transactions in connection with VAT, reports are not submitted.

Couldn't figure out the issue of VAT registration? Contact us!

In fact, I want to present you with thoughts on why only a limited percentage of traders achieve success in trading. . Surely every trader has asked interesting question regarding why some traders always consistently trade in profit, while others cannot get out of losses at all. With all this, no manipulations help them finally make a profit.

One way or another, people who cannot make money in the market look to those who actually become successful here. A completely logical question arises: do they really know some secrets that I don’t know? As practice shows, any novice trader wants to follow the path of least resistance. That is, he has no desire to study all the intricacies of the market for a long time and tediously, he wants to find the simplest path.

The trading system will only prove itself in the long term

One of these ways is to use the trading strategy of the person who makes money. It happens when a person, say, on a forum, shares a completely good and workable trading strategy. It seems that using this system would be logical for a beginner, because if this strategy helped another, then it will help him.

However, as practice shows, many novice traders, when searching for a trading strategy, doom themselves to forever walking in circles. Roughly speaking, a trader takes a strategy, the first couple of trades turned out to be unprofitable, the trader looks for another trading strategy, and this continues forever.

It is very important to understand here that it is possible to draw specific conclusions about the trading system only in the long term. For example, it’s worth testing a system for a couple of months before you can talk about how good it is or not. In addition, it is worth understanding that you must be comfortable with the strategy.

For example, if you have chosen a strategy for yourself and you are no longer comfortable with its appearance, then it is better not to torture yourself and look for something else. But as part of this question, you need to be clear that what works well for one trader may not work for you at all.

The market will always be against you

One way or another, the market is an unpredictable environment. A professional clearly understands this and accepts the rules of this game, while an amateur tries unsuccessfully to rewrite these rules for himself. Any of our transactions on the market does not have a 100% guarantee that it will close in profit. Important information and paradox, but we don’t know where and how the price will go. The important thing about the market is that it lives by probabilities, and nothing is ever certain.

Any deal, even the coolest at first glance, may not work out from time to time. However, the likelihood of them being worked out is much higher. The market itself acts in such a way that it tries to throw a person off balance. This is why there are a huge number of false movements in the market.

Discipline is the trigger for success

A true professional always understands this; he is calm about changes within the market, since he is unconditionally loyal to his system. A newbie will constantly panic, get angry, and generally experience a whole range of emotions. Personally, I can say that discipline is the most important trigger that will lead you to success.

Any experienced trader understands that when he is collected and disciplined, he will make money, otherwise he will suffer losses. It often happens that when a trader immaculately follows the rules of his strategy, he earns steadily, but as soon as he shows emotions, he immediately begins to lose money.

Watch an overview video for important information

You need to trust your strategy without changing the plan during the trade

Of course, professionals high level are no longer subject to this, and if they are, they pull themselves together in time. Such people already trade as if they were brushing their teeth. For them, this is ordinary work, an ordinary routine, neither profits nor losses are capable of causing any emotions. At the same time, you must understand that any emotions will cause harm, regardless of whether they are positive or negative.

It often happens that a trader opens a position, it even goes into profit, but then a rollback begins in the opposite direction. The trader immediately closes his position, hoping that it is better to gain a little than to lose. However, after some time, the price still moves safely towards the previously opened order, but the person himself is now out of the market. In fact, the person did not allow himself to earn money.

Important information! Here it is worth understanding that the price moves in waves; it cannot rise or fall indefinitely. In fact, you need to trade according to the open-and-forget principle. That is, as soon as you open an order, set a take and stop, your role in the transaction ends. In this case, it makes sense to close the terminal and forget about trading, and then in the evening see what the result of your transaction is.

Regardless of whether the deal closed in plus or minus, there is nothing special here - this is part trading process. You will not always be in the black, because losses are something that cannot be avoided. Yes, you can minimize losses, but you won’t be able to completely eliminate them even if you really want to. It is clear that receiving losses is unpleasant, however, you will not be able to change this. But you are able to make your profits greater than your losses.

What's good for others may be bad for you

I would also like to note important point, and it consists in the fact that people get carried away by other people's trading strategies. There is no need to do this, because what works well in the hands of one trader may be unprofitable in the hands of another. In general, the market is a complete paradox. Many people try to predict it from a mathematical point of view, but this is wrong, because the market is the psychology of the masses. Becoming successful in the market is an extremely difficult task that not every person can cope with. First of all, you must understand that if you want to become successful in the market, then very long and painstaking work will await you.

This is very important information that must be taken into account! Don’t hope for quick results and don’t look for the path of least resistance, it’s trite, but you simply won’t be able to find it. Remember, you can never stand in one place, you always need to develop to be in trend!

But you all know about the “Mom, I ended up in the police” divorce? Did you warn your relatives? And you probably know that you should never dictate three numbers from the back of a bank card to anyone?

Okay, very good. Advanced, safety-conscious people.

It's time to move to the next level. Namely, what are tests on Facebook and why using them is very, very bad (even regardless of the fact that no one but you cares about their results).

Look what a thing.

There is Facebook. It contains your notes, photos, and in general all the information that you posted there. Who are your friends, what contacts do they have and what do you chat about.

There is a test. Testik is not Facebook. This is a separate program. But it “analyzes” (no quotation marks are enough for this sarcasm) the contents of your Facebook and then produces some result.

In order for the test program to even be able to read what you write there, it asks you for permission.

Here’s an example of a request from the test “your popular words on Facebook for the year.” Attention, question: why do I need a list of my friends, their contacts and my photos for “word frequency analysis”?

The correct answer is that they are not needed at all for frequency analysis. An even more correct answer is that the entire “test”, in fact, was launched to collect this information. By default, the test authors did not have access to your photos and friends, but now, on the contrary, they do.

It would seem, why might they need this? No need for a tin foil hat here. Try “forgetting your Facebook password.” Log out and click on the “forgot password” button.

To recover your password, Facebook will ask you to confirm that you are you. It is possible through a password, but you have already given it away.

And there is a confirmation mechanism like this (if the password is forgotten): as an option, they show you a photo of a friend and ask who is depicted in it. By a strange coincidence, it was precisely the “photo” and “list of friends” that you recently provided to the unknown authors of the test. It happens.

This is one specific example, but all miracle tests work according to the same scheme. For example, the popular test “who is your best friend"requested nothing less than access to all your private messages on Facebook. Like, he reads them and then tells you who you correspond with best. And no one was bothered by this “honor” at all.

Moreover, no one was embarrassed by the fact that 2 parties participate in personal correspondence - and you provide access not only to messages from yourself, but also to the replies of the interlocutor.

And when the collected database of logins and passwords is finally sold somewhere, where the next program begins to generate high-quality requests for your friends to transfer money to the card, will you be happy?

Of course, not all “tests” are needed to gain access to confidential information. Some are simply needed to collect behavioral statistics. Do you want to know what next year will be like? Answer a dozen questions about your preferences in cinema, music, shopping, leisure; tell us how often you travel; indicate age and income level.

Let's not call it a "opinion poll", let's call it a "psychological test" and hang it on the result beautiful picture- people don’t like opinion polls, but they like psychological tests.

And finally, about the very essence of the tests. Gentlemen, I'm sorry to disappoint you, but the results you get have the accuracy and importance of an astrological forecast. Your result is chosen randomly.

There are simply written things that are so pleasant for you that it is impossible to disagree with. Of course, you are a leader, next year you will become a millionaire, you should drive a Ferrari with your fb friend Vasya, and in a past life you were Marilyn Monroe.

The same applies to “frequency analysis”: it is compiled based on the last ten posts on your page (this is not the same as “your posts”) and, interestingly, comments to them.

Has anything become clear? Change your password and don’t feed other people’s databases with your personal ones anymore. By participating in “tests” (in fact, they have nothing to do with Facebook), you are actually giving unknown persons access to data that is considered personal, and in return you receive a randomly generated bullsheet. Unfortunately, at the same time, you sometimes scatter not only your own, but also other people’s data. Don't do this.