bashdop.org http://bashdop.org Just another WordPress site Mon, 24 Jun 2019 05:45:09 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 Why Not Lend Money? http://bashdop.org/why-not-lend-money/ http://bashdop.org/why-not-lend-money/#respond Mon, 24 Jun 2019 05:45:09 +0000 http://bashdop.org/why-not-lend-money/

Recently, the network more and more stories appear people who are faced with the problem of borrowing money from friends and acquaintances. Unfortunately, it often happens that those who take money rarely give it back or do it with great reluctance. Here is one story, why not lend money:

A few months ago, I lent my girlfriend money to pay rent. She did not ask me, but I knew that she really needed the money, and I, just, had an “extra” amount. After some time I asked her when she could give me the money, she replied that she would definitely do it later. This happened several times. Then we went with her to the store, and she bought herself 10,000 rubles of new clothes, without stuttering about the money I owed. How to get this money back now?

In other matters, on a par with similar stories, there are many articles on the Internet on the topic of why it is impossible to lend money to friends and acquaintances and the situation described above is another good example of this. But the situation of each of us is purely individual and, even after reading a few instructions, it is difficult to refuse a loved one at a crucial moment. As a result, it turns out that you are entering into some kind of inequality – the borrower and the lender. And it does not matter what the conditions of such a loan are, anyway, such inequality will slowly but surely worsen friendly relations.

 

So what to do if you are in a similar situation?

money or friends?

First of all, honestly ask yourself what money or friendship is more important to you. Be really honest with yourself, most likely the answer will be friendship. However, in reality this may not be the case. Think not about the need for a friend today or in the coming days, but about your friendship as a whole. Does the money that you got from a friend change his personality as a whole? The answer to this question can only be given by you yourself, no one can do this for you.

If you decide that friendship is more important to you – forget about money. It is, but you just stop thinking about it – imagine that you donated this amount and do not expect it to return. And if all of a sudden the money has returned to you – treat it with joy and exclude such a situation for a particular person in the future.
If you suspect that the friendship is falling apart anyway, it will be much easier to tell the person that you want to get the money back. In this case, you no longer need to be shy and shy to remind you about your duty periodically. But having reached such a point, do not overdo it, do not turn from friend to enemy, be moderately persistent.

 

You should not lend money from friends. Find out why..

You should not lend money from friends. Find out why..

Now, perhaps, it became a little clearer to you why you should not lend money to your acquaintances. At best, you will lose money, at worst – a friend. Therefore, it is best not to provide such a service. Or, giving the amount, tell yourself that this is a gift and only for one time. Perhaps the best way would be to help a friend not with finances, but with some action, for example, to provide housing for some time. If this seems to be an even more difficult option, and the money is needed in a small amount, and you need to get it as soon as possible, you can advise to borrow money in a microfinance organization. In order not to lose extra time in the bank.

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Who More Often Borrows Money? http://bashdop.org/who-more-often-borrows-money/ http://bashdop.org/who-more-often-borrows-money/#respond Sat, 08 Jun 2019 05:59:50 +0000 http://bashdop.org/who-more-often-borrows-money/

The National Bureau of Credit Histories has extensive information on loans, loans and borrowers in our country. Specialists of this organization often conduct research and know well who more often borrow money. So, according to another study, it turned out that the Republic of Bashkortostan has been the record for the total amount of payday loans received over the past few years. This region even overtakes the capital of Russia. According to experts, by the middle of this summer, 7.7 billion rubles were issued in Bashkiria, and in Moscow, 1 billion less.

 

Loan clients were not shy sharing their loan experience

Loan clients were not shy sharing their loan experience

Many Payday Loan clients are not shy about sharing their experiences in borrowing money. They tell under what circumstances they needed additional funding. Some have decided to take a loan to improve their credit history. Someone liked the simplicity of design, the speed of decision-making by the company. Someone did not have an ideal CI, and could not get a bank loan. And someone did not have time to repay the bank loan on time, and had to borrow.

 

Who more often borrows money? Women or men?

Who more often borrows money? Women or men?

Statistics say that more often women are in debt. The margin is not significant, about 5 – 8%, but permanent.

Most often, both men and women take the so-called “loans to payday”. They are convenient, you can get them quickly, and approve them much more willingly. But, unfortunately, it is in this segment most of the delinquency. People are less responsible for such loans because of small amounts, forgetting that payments should be made more often than in a bank. In case of delay, almost any Payday Loan charges a fine to the borrower and using the services of unscrupulous companies, the borrower could have a total debt several times higher than the amount he took.

Today, the BBP Bank and the state are trying in every way to protect the consumer of payday loans, and not so long ago several amendments to the law were issued, which spelled out the maximum amount over which the debt could not increase.

 

Easy to Acquire Payday Loan

Easy to Acquire Payday Loan

Get a payday loan very often come state employees, pensioners and ordinary workers. Thinking about the protection of such citizens, it is necessary at the legislative level to establish rules and requirements for all processes related to the issuance of loans and the procedure for calculating interest.

Some financial experts believe that such a high demand for payday loans in Bashkiria indicates that there are problems among the inhabitants of this region. According to several studies in the region, incomes for all residents have simply decreased. Banks, given the situation, stopped issuing loans and people go to the Payday Loan.

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Payday Loan Actively Cleans The Microloan Market http://bashdop.org/payday-loan-actively-cleans-the-microloan-market/ http://bashdop.org/payday-loan-actively-cleans-the-microloan-market/#respond Thu, 18 Apr 2019 18:23:12 +0000 http://bashdop.org/payday-loan-actively-cleans-the-microloan-market/ Since the beginning of 2016, more than 200 microfinance organizations have been excluded from the register. This happens because of non-compliance with the law, which, it should be noted, is changing and supplementing rather quickly. The BCA Bank has been active in regulating microfinance organizations lately. New laws are being issued to tighten this control, and appropriate penalties are imposed on those who for some reason fail to comply with the requirements of the law.

 

Reasons behind its cleaning

The main reasons for excluding organizations from the register include the following: there is no fact of providing the required documents, such as information about the staff of managers, reports on microfinance activity for the specified period. There are also cases of delisting due to the absence of the term “microfinance organization” in the company name.

The majority of those excluded from the register personally wrote applications for the failure of microcredit organizations.The plans of the UI Finance not to stop the cleaning of unscrupulous Payday Loans. Next year, all organizations that do not meet the requirements of the BCA Bank will leave the register of microfinance companies even more rapidly. In addition to violators, firms that provide zero tax reporting will be automatically excluded from the registry. According to the regulator, if the company has not issued a single loan, then it’s not in the register of organizations that issue loans to them. 
All Payday Loans, if of course they wish to be present on the market legally, must disclose information on loans and publish it on their sites on the Internet. In the case of not providing such data to potential customers, the company will fall under the sanctions.

Reasons behind its cleaning

Moreover, as it was written in the news “The BCA Bank of the Russian Federation for toughening fines for malicious Payday Loans violators,” the BCA Bank actively promotes the next amendments to the law, which will be heavily penalized by illegal organizations involved in issuing loans. In addition to this, it is a question of prohibiting companies that are not in the registry from collecting debts to the debtor through the courts.

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Borrowing Money http://bashdop.org/borrowing-money/ http://bashdop.org/borrowing-money/#respond Tue, 16 Apr 2019 05:56:01 +0000 http://bashdop.org/borrowing-money/

When we urgently needed a sum of money, we mainly think about two things – where to get them and what to spend. But we must not forget that getting money in debt is a crucial moment. From this point on, the person assumes the responsibility to return the money back and, if he took a loan or credit, pay the cost of the service. Therefore, at the time of transfer of funds, both parties should be aware of their rights and properly conclude a deal.

 

Getting money from friends

Getting money from friends

If we are talking about relatives and close people, here we are talking about individual conditions and documents, as a rule, do not sign any. But if you are interested in receiving money in debt from friends or colleagues, it is strongly recommended to sign at least some contract, for example, a receipt. In it, specify the passport details of both parties, full name and contact details and, of course, the amount and return period. In some cases, you can specify individual conditions that describe the actions of the parties in the occurrence of certain circumstances. Although it will be more like a contract. Make a document in two copies. Do not be ashamed of the bureaucracy, this paper will remind you of your obligations, and you will not forget exactly how much you owe to a person and when you have promised to return.

 

Receiving money from the official creditor

Here everything is completely different. First, no one will give you funds for personal needs, without expecting that you will return a slightly larger amount. But there are many different ways to get money in debt. Today, different lenders, whether banks or Payday Loans, may offer to cash in cash on your bank card or start a new one, receive it at home or through remote payment systems.

Receiving money from the official creditor

If you receive money online, after you have carefully filled out all the forms, carefully read the loan document. First of all, you should know exactly how much and what number you undertake to return. In the contract itself or in a separate document, there should be a payment schedule in which all the necessary information is detailed. When you make a contract at an Payday Loan office or bank branch, do not rush and spend enough time to familiarize yourself with all the points. If you do not understand any string – always will question the manager.

The process of borrowing money in our time has become very simple, and it continues to be simplified. There are so-called loans online or services of pre-approved loans.

The missing amount right now can be received in a matter of hours, or even minutes. If you need cash, it may take longer – up to several days. Also, these terms depend on the amount required by the borrower.

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Plastic Money Will Soon Appear in the UK http://bashdop.org/plastic-money-will-soon-appear-in-the-uk/ http://bashdop.org/plastic-money-will-soon-appear-in-the-uk/#respond Mon, 15 Apr 2019 05:36:15 +0000 http://bashdop.org/plastic-money-will-soon-appear-in-the-uk/

Just want to say that the news will not describe a new kind of bank cards, as it might seem from the name, namely plastic money – banknotes made from an unusual polymer film. New non-paper banknotes should appear in circulation very soon. For now, these are 5 pound bank tickets, but the rest will follow.

 

Money is not much different

Money is not much different

Externally, this money is not much different from the usual for us banknotes. Is that only the size – the old 15% more new. And taking them in hand, a person will immediately feel the difference, since they feel completely different to the touch. A very fresh banknote can be determined by the fact that it will stick together with the others, but this property will disappear after first-hand.

 

Advantages of Plastic Money Over Paper Bills

Advantages of Plastic Money Over Paper Bills

 

Of course, new plastic money was developed in order to carry some advantages over paper predecessors. They will serve much longer for their owners. In addition, due to the content of plastic in their composition, they will absorb less dirt. And, perhaps, the most important utility is a great security against forging bills.

Completely new technologies provide stronger protection against counterfeiting, plastic money. In a translucent circle on the banknote you can see the portrait of the queen. Also, you should pay attention to the image of Big Ben, which is made of silver foil on one side and gold foil on the opposite side.

 

New plastic money will be released

New plastic money will be released

Banknotes, now already, will be accepted for payment until the end of May 2017. After that, they can be exchanged for new ones only at QWE Bank. As the ERT Bank has declared more than once, British pounds have no service life and must always maintain their value.

Very soon, new plastic money with a nominal value of 10 and 20 pounds will also be released. While there is no exact information on whether notes in 50 pounds will be updated, but in the near future the ERT Bank will make a decision.

More than 400 million new plastic money has already been issued, I will be putting it into operation systematically.

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