Jagoran 'YanciJagora ga Mai Jari- Hujja mara HannuDaga ma'aikaci zuwa miloniya
Jagoran Jari-hujja mara Hannu. Daga Ma'aikaci zuwa Millionaire. 0% Haraji. 0% Haraji.
Mafarki
Bautar da talakawa
Jihar Ponzi
Rashi na ƙarshe
Madauki bashi
Perpetual Purgatory
Gabaɗaya 'yanci
'Yancin fadin albarkacin baki
VPN
Starlink
'Yancin Kuɗi
FIRE WUTA
Kasafin kudi
masauki
Abinci
Taba
Sufuri
Biyan kuɗi
Lokacin kyauta
Da'irar zamantakewa
Dabbobi
Rayuwar Ma'aurata
Ma'aikaci / Mai zaman kansa
Matsakaicin Matsakaicin Kullum
IT mai zaman kansa
Aiki mai nisa
Biyu Billing
Takaddun shaida
Kamfanin Portage
Slowlane VS Fastlane
Kasuwanci
Bude EURL
Rufe farashin EURL
URSSAF
SBI
Asusun banki da yawa
Nau'in Alamar
Alamar Faransa
Alamar Turai
Subordination
Farashin rufi
HTVI
Tarin Rashin Aiki da Kasuwanci
Korar da sauri
Tsarin Korar
Hauhawar farashin kayayyaki
Layin Layi / Ƙarfi
100K
Babban Shafi / DCA
Rarraba / Girma
CAGR
Sayi kuma Rike
Tallafin zuba jari
Biyan fansho kamar yadda kuke tafiya
Livret A
Inshorar rayuwa
Gidajen haya
Tsabar zinare
S&P 500
Magnificent 7
Nvidia
Yanayin yanayi
Tasirin asara
Ikon Lokaci
Dillalai
Ƙimar haraji mai inganci
EAR
SEPA
Daskarewa na janyewa
CMU / SIU
CBDC
Yardar Haraji
Inganta haraji
Zaɓin Kyauta na Hanyar Mafi Karancin Haraji
Free motsi na babban birnin kasar
Ka'idar Tuta
FICOBA
DAC6
AEOI / CRS
CFC
FATCA
FBAR
EOIR / MLAT
KYC
Tsaro a cikin zurfin
Matsayin Harajin Wajen Waje
Haraji Biyu
Matafiyi na dindindin
Inshorar Lafiya ta Balaguro
Tax Residence Paraguay
Belize Tax Residency
Matsayin Harajin Indonesiya
Fasfo na waje
Fasfo Biyu
Keɓaɓɓen Banki na Ƙasashen waje
Mallake komai, sarrafa komai
Kamfanin Offshore
LLC
US LLC
HK LLC
Nevis LLC
Ƙwararrun Bankin Ƙasashen waje
Kwararren Dillali na Offshore
Dogara Offshore
Cook Trust
Diplomat / Consul
Dubawa
Kisa
Resumé
Alaka
Mafarki
Wannan shi ne mafarkin da za mu sa ya zama gaskiya:
- Sip a cocktail
- By tafkin
- A cikin shimfidar katin waya
- Kowace rana na shekara
- Har mutuwarka
Don cimma wannan burin, dole ne ku mallaki:
- Tattalin arzikin gida
- Kasuwar hannun jari
- canji daga ma'aikaci zuwa mai zaman kansa
- Fara Kasuwancin Kai
- Gudanar da kamfani na ketare
Ta hanyar jagorantar ku mataki-mataki, wannan jagorar ga ɗan jari-hujja wanda ba a hana shi ba yana ba ku maɓallan samun walwala da farin ciki da alhakin.
Ta hanyar misalai na zahiri, wannan jagorar yayi nazarin haraji na hukunce-hukunce daban-daban, gami da Jamhuriyar gurguzu ta Faransa, ɗaya daga cikin mafi ƙanƙanta a duniya, sannan ta bincika sararin bege wanda zai yiwu a kewaya.
Ana ba ku 50% na bayanan da ke cikin wannan jagorar kyauta. Don zurfafa ilimin ku da gamsar da sha'awar ku, akwai ƙarin bayani don zazzagewar kuɗi. Farashin kowane samfur ya dogara da ƙimar bayanin da aka sauke.
Idan kai mai ba da gudummawa ne mai karimci kuma kuna son ƙara farashin samfuran, shigar da adadin dalar Amurka a cikin filin rubutu da ke ƙasa. Wannan adadin dole ne ya zama cikakken lamba. Matsakaicin shine 1 000 000 USD (US 1 miliyan).
Idan kuna ziyartar wannan rukunin yanar gizon bisa shawarar ɗaya daga cikin abokan haɗin gwiwarmu, shigar da lambar rangwamen su a cikin filin rubutu da ke ƙasa don karɓar ragi na musamman akan katalojin samfuran mu gabaɗaya.
Ko kuna da lamba ko a'a, har yanzu kuna iya amfana daga rangwamen bazuwar akan kowane samfur. Yi ƙoƙarin sake loda waɗannan rangwamen bazuwar don samun mafi kyawun ciniki mai yiwuwa.
Duk abubuwan zazzagewa na zaɓi ne. Kowannensu yana da yuwuwar samar da dubban ɗaruruwan daloli akan lokaci.
Bayanan da ke cikin wannan takarda an ba ku don dalilai na bayanai kawai kuma ba tare da wani garanti ba. Kai kaɗai ke da alhakin ayyukanku da saka hannun jari.
Don fara wannan horo, bari mu fara da lura da halin da kuke ciki.
Babi na 2Bauta
Bautar da talakawa
Ka fito daga cikin mahaifiyarka. A cikin ƙasa da daƙiƙa 30, Jiha ta haɗa mundaye mai lamba kusa da wuyan hannu. Kamar shanu na gama-gari, ana yi muku alamar. Yanzu kai fursuna ne. Da zaran ka koyi tafiya, gwamnati ta zage ka daga iyayenka kuma ta sanya ka a wata cibiya ta musamman. A cikin wannan sansanin koyar da koyarwa, an zurfafa ku da matsayin ku a cikin al'umma. Ana koya muku dokokin da za ku bi. An tsara kwakwalwarka. Kamar kowane samfuri, kuna da sharadi. An shafe keɓantakar ku. Dole ne ku bi umarnin da aka ba ku. Idan aka yi rashin mutuntawa, ana sanya takunkumi. Cin zarafi, azabtarwa na jiki, wulakanci, da sauran rangwame sune hukuncinku.
Hankali mai rauni kuma mai rauni, ana sarrafa ku. An yi watsi da zanga-zangar ku. Kuna haɗa wannan saƙo mai zurfi cikin zurfin tunanin ku. Duk juriya bashi da amfani. Tawaye ba ta da wani tasiri. Kulawar hankali shine duka. Ka yi karatun digiri a cikin biyayya, yanzu ka zama ma'auni na amfanin gona na bayi, a lokaci guda mai tawali'u, mai hidima, da biyayya. Duk da haka, Jiha, maigidanku kuma mai azabtarwa, ba ta da niyya ta tsaya a nan. Wannan shine farkon bautar ku.
Jihar Ponzi
Duk tsawon rayuwar ku, Jiha na cin zarafin wannan riƙon. Da farko ta hanyar bashin gida, don jin daɗin ku (gidaje, abin hawa). Sannan ta hanyar harajin kwace (gudundumuwa, haraji, haraji). Kuma a ƙarshe ta hanyar hauhawar farashin kayayyaki, ganuwa da ɓarna (dilution na darajar kuɗi, ta hanyar ƙara yawan kuɗin kuɗi, ta hanyar bugu mai yawa na banki, watau, ƙirƙirar kuɗi ex nihilo). Gwamnati tana satar lokacin ku, ta karɓi kuɗin ku (diyya ta kuɗi don lokacinku), kuma ta bar ku kawai ku ɗanɗana ku. A sakamakon haka, karya ne a gare ku, mara kunya, ba tare da kullun fatar ido ba.
Wannan ba abin mamaki ba ne, domin bayan haka, Jiha ba komai ba ce face ƙaton makircin Ponzi. Zamba da aka yi wa dubun dubatar mutane aiki ba tare da son rai ba. Ta wannan tashar ne jama'a Ponction, cutar siga da aka kamu da ita tun lokacin haihuwa, ta kwashe sama da 90% na kuɗin ku.
Rashi na ƙarshe
Winter yana zuwa. A karshen rayuwar ku, ba ku da abin da ya rage. Kuna samun gada don daidaitawa a ƙarƙashin. Tare da ɗan sa'a, akwatin kwali, wanda zai zama gidan kare ku. Kuna alfahari da ba da gudummawa, kun ba da komai ga Jiha, kamar yadda aka koya muku. Kun kasance dan kasa nagari. Mutumin kirki wanda kai ne, kana shakar numfashin ƙarshe, tare da raɗaɗin mutuwa wanda ba ya kiran kowa. Za ka mutu shi kaɗai, matalauci, manta da kowa. A daidai lokacin mutuwarka, wani shakku yana kama ka. Idan da Jiha ta tsage ku fa?
Babi na 3Bashi
Madauki bashi
Kyawawan asusun suna yin abokai nagari. Duk da haka, asusun gwamnati ba shi da kyau. Don haka gwamnati ba abokiyarka ba ce. Akasin haka, a fannin kuɗi maƙiyinku ne. Gwamnati wata na’ura ce mai samar da basussuka, wacce take mika muku ba tare da jin kunya ko kadan ba, kuma ana iya siffanta aikinta kamar haka.
- Jiha na son sarrafa ku
- Jiha tana ƙirƙirar ma'auni
- Jihar na daukar ma'aikatan gwamnati don sanya ido kan matakan da suka dace
- Dole ne jihar ta biya ma'aikatan gwamnati
- Jihar ba ta da kudi
- Jiha na aro
- Bankin ya kirkiro kudi ex nihilo (Buga Kudi)
- Kuɗin da aka ƙirƙira ya narkar da Jiha da ɗan ƙasa
- Jiha na karɓar kuɗin (principal).
- Dole ne jihar ta biya riba
- Jiha ta ayyana ku a matsayin alhakin biyan kuɗi
- Kuna biya, ko kuma ku fuskanci ɗaurin kurkuku
- Jiha tana biyan riba
- Koma zuwa mataki na 1
Wasu za su yi jayayya cewa, don guje wa rance, jihar na iya canza kanta zuwa kasuwanci. Koyaya, a cikin kasuwa mai 'yanci, jihar ba ta cika yin takara ba. Wannan ne ya sa jihar ta kwace kamfanoni tare da mayar da sassan kasar baki daya. Wannan yana ba shi damar kawar da gasar da ba za ta iya yin takara da su ba. Kuma ba zato ba tsammani, don ƙirƙirar hayar keɓaɓɓiyar hayar ɗan adam. Wani lokaci, har ta kai ga hana abokin cinikinta, mai biyan haraji, barin ayyukanta (misali, a cikin Jamhuriyar gurguzu ta Faransa: inshorar rashin aikin yi, inshorar lafiya). Duk da haka, irin waɗannan kayan tarihi sun ci karo da dokokin ƙasa da ƙasa da ka'idar ciniki cikin 'yanci. Waɗannan matakan jumhuriyar ƙaƙƙarfan doka ne. Don biyan bashin, jihar tana da zaɓi ɗaya kawai: Borrow.
Mai karatu mai hankali zai lura cewa Jiha tana biyan riba kawai. Wannan yana yiwuwa ta hanyar amfani da abin da ake kira lamuni "a cikin tarar". Wannan nau'in bashi, wanda aka ba wa ƙungiyoyi masu ƙarfi musamman, kamar Jiha mai sarrafa masu biyan haraji, yana ba da damar biyan riba kawai, sannan babba a ƙarshe. Idan har yanzu ƙungiyar tana da ƙarfi, za ta iya tsawaita wannan lamuni, ko kuma ta karɓi wani lamuni, wani lokaci daga mai lamuni mai takara, wani lokaci daga wata Jiha, wani lokaci kuma da kuɗin da aka ranta, ta haka ne za a ƙirƙiri ɗimbin lamuni, jerin lamuni mai sarƙaƙƙiya, keɓancewa da juna, kowane matakin yana ƙara adadin da za a biya saboda riba, har zuwa fatara.
Lokacin da wannan taron ya faru, an soke wuraren lamuni na bankin, kuma dole ne gwamnati, da kuma al'ummominta, su biya dutsen da aka tara. Wannan shi ne lokacin da muke magana game da rushewar jiha, lokacin da aka soke haƙƙin mallaka, da kuma lokacin da aka yi kama da gangan don biyan masu lamuni. Ma'ana, jihar tana rayuwa ne a kan bashi, kuma fiye da yadda ta iya.
Wannan yanayin da ba shi da kwanciyar hankali ana kiransa kawai "rollover bashi." Kuma cikin tsari yana ƙarewa yana fashewa a fuskokin waɗanda suka yi kwangilar. Matsalolin kudi da wata jiha ke jawowa dukkan 'yan kasarta da ita, da kuma wasu lokutan wasu jihohin da ta kulla alaka da su, lamarin da ke haifar da tasirin rikicin kudi a duniya.
Tare da wannan rashin ƙarfi na tsarin da aka fallasa, wane mai ba da bashi zai zama wauta don ƙara sabon lamuni yayin da ba a biya wanda ya gabata cikakke ba? Babban Bankin Tarayya (ko Tarayyar Tarayya), wanda aikinsa kawai shine buga kudi, yana da sha'awar wannan. Ta hanyar yanayin bashi da dilution na darajar kudin, zai iya wadatar da kanta kuma ta haka ya mamaye ku.
Kamar yadda za ku fahimta, Jiha wakili ce kawai, a takaice dai kayan aiki ne, wanda ke ba da damar Babban Bankin ya murkushe ku.
Perpetual Purgatory
Ba kamar ku ba, Jiha (mai bin bashi) da Babban Banki (Creditor) duk ba su dawwama. Wannan yana nufin cewa wannan zagayowar bashi yana dawwama. Ba ya san iyaka mai maimaitawa. Wannan sarkar dilutions da lamuni, wanda riba kawai ake biya, kuma wanda ke ba da damar babba don haɓaka, na iya ci gaba har abada. Wannan tsari yana haifar da yanayi na yawan bashi.
Jihar, ta hanyar riba ta banki dole ne ta biya don samun sabon lamuni, ta zaɓi ƙara nauyin haraji. Jihar ta zaɓe ku a matsayin alhakin biyan kuɗi, tare da hukuncin ɗauri. Dole ne ku biya dukan rayuwar ku, har zuwa mutuwa. Ka zama bawa ga bashin da ba ka taɓa ci ba.
Don karya wannan muguwar yanayin kuma ka kawo karshen tsanantawar, dole ne ku 'yantar da kanku daga wannan tsarin. Dole ne ku sami 'yancin ku.
Babi na 4'Yanci
Gabaɗaya 'yanci
Gabaɗaya magana, ana iya ayyana 'yanci azaman rashin hani ko ƙuntatawa. Matsayin 'yancin da kuke jin daɗi yana bayyana kewayon dama a cikin sararin da kuke aiki a ciki.
Bayanin Haƙƙin Dan Adam da na Jama'a na 1789 yana ba da ma'anar 'yanci mai ban sha'awa a cikin ma'anar kalmar:
La liberté consiste à pouvoir faire tout ce qui ne nuit pas à autrui : ainsi, l'exercice des droits naturels de chaque homme n'a de bornes que celles qui assurent aux autres membres de la société la jouissance de ces mêmes droits. 'Yanci ya kunshi ikon yin duk wani abu da ba zai cutar da wasu ba: don haka gudanar da hakkokin kowane mutum ba shi da wata iyaka face wadanda ke tabbatar da cin moriyar wadannan hakkoki ga sauran al'umma.Wannan 'yanci yana iyakance, a wannan yanayin kawai ta hanyar doka:
Ces bornes ne peuvent être déterminées que par la loi.Doka kawai za ta iya tantance waɗannan iyakoki.Koyaya, dokar kanta tana da iyaka:
La loi n'a le droit de défendre que les actions nuisibles à la société. Tout ce qui n'est pas défendu par la loi ne peut être empêché, et nul ne peut être contraint à faire ce qu'elle n'ordonne pas. Doka tana da hakkin haramta ayyukan da ke cutar da al'umma kawai. Ba za a iya hana duk wani abu da shari'a ba ta haramta ba, kuma ba za a tilasta wa wani ya yi abin da bai umarta ba.Don haka doka da 'yanci bangarori biyu ne na tsabar kudin.
Zazzage Bayanin Haƙƙin Dan Adam da na ɗan ƙasa na Agusta 26, 1789:
Ƙananan Rangwame
Ƙarshe
00:00'Yanci na da fuskoki da dama. Daya daga cikin mafi mahimmanci shine 'yancin fadin albarkacin baki.
'Yancin fadin albarkacin baki
Daya daga cikin 'yancin rayuwa, bayan 'yancin rayuwa da kuma kafin 'yancin motsi, shine 'yancin bayyana kansa. Domin samun damar yin magana cikin walwala, dole ne ku iya sanya kalmomi cikin zafin ku. Mu duba tare mu duba hanyoyin da ake amfani da ‘yancin fadin albarkacin baki.
Ɗaya daga cikin nassoshi na farko game da 'yancin fadin albarkacin baki da ba za a iya raba shi ba ya bayyana a cikin Dokar 'Yancin na 1688:
Freedom of Speech. That the Freedome of Speech and Debates or Proceedings in Parlyament ought not to be impeached or questioned in any Court or Place out of Parlyament.'Yancin Magana. Cewa bai kamata a tsige'Yancin Magana da Muhawara ko Gabatarwa a Majalisa ba ko kuma a yi tambaya a wata Kotu ko Wurin da ba a Majalisa ba.Zazzage Dokar Haƙƙin Haƙƙin 1688:
Ƙananan Rangwame
Ƙarshe
00:00Duk da haka, wannan haƙƙin yana iyakance ga kewayen Majalisar Burtaniya.
Bayanin Haƙƙin Dan Adam da na ɗan ƙasa na 1789 ya ba da ma'ana mai faɗi game da 'yancin faɗar albarkacin baki ga kowane ɗan ƙasa:
La libre communication des pensées et des opinions est un des droits les plus précieux de l'homme : tout citoyen peut donc parler, écrire, imprimer librementSadarwar tunani da ra'ayi 'yanci na ɗaya daga cikin haƙƙoƙin ɗan adam mafi daraja: don haka kowane ɗan ƙasa na iya magana, rubutu da bugawa cikin 'yanci.Koyaya, wannan 'yancin faɗar albarkacin baki yana ƙarƙashin ikon doka:
sauf à répondre de l'abus de cette liberté dans les cas déterminés par la loi.sai dai a mayar da martani ga cin zarafi da ake yi wa wannan ‘yancin a lokuta da doka ta tanada.Zazzage Bayanin Haƙƙin Dan Adam da na ɗan ƙasa na Agusta 26, 1789:
Ƙananan Rangwame
Ƙarshe
00:00Wannan manufa ta 'yanci tana da girma kuma an hana shi daga duk wani ikon doka a cikin rubutun gyaran farko ga Kundin Tsarin Mulki na Amurka, mai suna Bill of Rights, na Disamba 15, 1791.
Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances. Majalisa ba za ta yi wata doka game da kafa addini, ko haramtayin motsa jiki ba; ko abriding 'yancin faɗar albarkacin baki, ko na 'yan jarida; ko kuma hakkin jama'a cikin lumana su hallara, su kuma kai kara ga Gwamnati domin ta gyara koke-koke.Zazzage jerin gyare-gyaren Dokar Haƙƙoƙi zuwa Tsarin Mulki na Amurka na 15 ga Disamba, 1791:
Ƙananan Rangwame
Ƙarshe
00:00Yarjejeniyar Kare Haƙƙin Dan Adam kuma ta bayyana wannan ƴancin:
Toute personne a droit à la liberté d'expression. Ce droit comprend la liberté d'opinion et la liberté de recevoir ou de communiquer des informations ou des idées sans qu'il puisse y avoir ingérence d'autorités publiques et sans considération de frontière Kowa na da 'yancin fadin albarkacin baki. Wannan haƙƙin ya haɗa da 'yancin ɗaukar ra'ayi da karɓa da ba da bayanai da ra'ayoyi ba tare da tsangwama daga hukumomin jama'a ba kuma ba tare da la'akari da iyaka ba.Koyaya, 'yancin faɗar albarkacin baki a cikin tsarin Turai yana iyakancewa kuma ana sarrafa shi:
Le présent article n'empêche pas les Etats de soumettre les entreprises de radiodiffusion, de cinéma ou de télévision à un régime d'autorisations. L'exercice de ces libertés comportant des devoirs et des responsabilités peut être soumis à certaines formalités, conditions, restrictions ou sanctions prévues par la loi, qui constituent des mesures nécessaires, dans une société démocratique, à la sécurité nationale, à l'intégrité territoriale ou à la sûreté publique, à la défense de l'ordre et à la prévention du crime, à la protection de la santé ou de la morale, à la protection de la réputation ou des droits d'autrui, pour empêcher la divulgation d'informations confidentielles ou pour garantir l'autorité et l'impartialité du pouvoir judiciaire.Wannan labarin ba zai hana Jihohi ƙaddamar da shirye-shiryen watsa shirye-shirye, sinima ko talabijin don ba da lasisi ba. Yin amfani da waɗannan 'yancin, tun da yake yana ɗaukar ayyuka da nauyi, yana iya kasancewa ƙarƙashin irin waɗannan ka'idoji, yanayi, ƙuntatawa ko azabtarwa kamar yadda doka ta tsara kuma sun zama dole a cikin al'ummar dimokuradiyya don kare lafiyar ƙasa, mutuncin yanki ko amincin jama'a, don rigakafin cuta ko aikata laifuka, don kare lafiya ko ɗabi'a, don hana kare mutunci ko haƙƙoƙin wasu, don kare mutunci ko haƙƙoƙin wasu. da rashin son kai na bangaren shari'a.Zazzage Yarjejeniyar Kare Haƙƙin Dan Adam:
Ƙananan Rangwame
Ƙarshe
00:00Sanin iyakoki da aka halatta na 'yancin fadin albarkacin baki a cikin ikon zama hanya ce mai kyau don tabbatar da cewa ba a taba hana ku ta dindindin ba.
Koyaya, lokacin da aka ƙuntata wannan ƴancin, yana iya zama da amfani don ba da kayan aikin da zai ba ku damar dawo da ainihin ainihin sa, wato 'yancin faɗar albarkacin baki.
Bari mu ɗan yi magana game da yuwuwar da VPN ke bayarwa.
VPN
Ya danganta da ikon da ake tambaya, ya zama ruwan dare ga wasu gidajen yanar gizo da za a cire su daga injunan bincike ko kuma jihar ba za ta iya shiga ba. Wannan yana hana ku samun ingantaccen bayani. Jiha tana kiyaye ku ƙarƙashin ikonta ta hanyar wannan ƙirƙira. Don samun damar bayanan da ake buƙata don sakin ku, sami VPN (Virtual Private Network).
VPN yana ba ku damar:
- Haɗa zuwa DNS mai zaman kanta (Domain Name Server)
- Baku adireshin IP na bazuwar
- Sanya ku a cikin wani yanki na daban
- Rufe haɗin haɗin ku
VPN, alal misali, yana da matukar amfani don buɗe asusun banki a ƙasashen waje. Kuna bayyana wa bankin cewa kuna zaune a cikin ikon A (hukuncin bankin), amma a zahiri kuna zaune a cikin ikon B (Ikon yankin ku). Ba tare da amfani da VPN ba, bayanin da kuka rantse ya ci karo da haɗin haɗin ku na farko (bibiyar IP): an rufe asusun ajiyar ku a ƙasashen waje nan da nan. Tare da VPN, zaku iya kiyaye daidaiton labarin ku: Asusun banki na waje ya kasance a buɗe.
Mafi kyawun VPN :
- Ba ya barin alamar ziyararku akan sabar sa
- Yana amfani da boye-boye bazuwar kowane sakan X
- Za'a iya ƙaddamar da injin ɗin ku
Mun zabo muku VPN wanda ke ba da kariya ga yancin yin bincike na masu amfani da shi sama da shekaru 15:
Gano mafi kyawun VPN :
Ƙananan Rangwame
Ƙarshe
00:00VPN mataki ne na farko mai inganci don dawo da 'yancin fadin albarkacin baki da samun damar bayanai.
Starlink
Don tabbatar da 'yancin shiga asusunku na dindindin, yakamata ku sami misalai da yawa na masu zuwa:
- Kwamfuta
- Wayar hannu
- VPN (Virtual Private Network)
- Mai aiki da waya
- Starlink (Satellite Network)
Wasu jihohi sun hana amfani da VPN. A Brazil, amfani da VPN yana da hukuncin tarar 9 000 USD kowace rana. Bugu da ƙari, baya ga toshe hanyar shiga URLs ko wuraren yanar gizon, wata jiha kuma na iya yanke hanyar shiga Intanet, ga mutum ɗaya ko a cikin yanki. Ba tare da haɗin kai kayan aikin cibiyar sadarwa ba, samun damar bayanai a lokacin da ya dace ya zama mai wahala. Kun dogara ne da yardar jihar. Yana sanya ku cikin duhu. Yana tace bayanan da kuke karɓa a gaba. Ana amfani da ku.
Starlink Mini na'ura ce da ke ba da bandwidth tsakanin 100 Mb/s da 200 Mb/s. Yayin da wannan gudun zai iya zama kamar iyaka, yana wucewa ta hanyar sadarwar tauraron dan adam da za a iya shiga daga ko'ina a duniya, idan sararin sama ya bayyana, ciki har da wuraren da ba tare da ɗaukar hoto ba.
Starlink Mini ya dace a cikin jakar baya kuma ana iya amfani da shi akan tafiya, kamar lokacin tafiya, ko hawa akan abin hawa. Kuna buƙatar nemo hanyar da za ku iya sarrafa ta, ko da yake.
Babban fa'idar hanyar sadarwar tauraron dan adam ta Starlink ita ce tana ba da madadin hanyar haɗi zuwa cibiyoyin sadarwar salula na gargajiya da masu waya. Bugu da ƙari, Starlink ba ta da iko da gwamnatoci. Babu haɗarin toshe gidan yanar gizon ko shiga tsakani (harin SS7, IMSI Catcher).
Ta amfani da na'urori daban-daban, IP daban-daban, da cibiyoyin sadarwa daban-daban, kuna da juriya. Kuna iya bayyana kanku, samun damar bayanai, da sarrafa asusun ajiyar ku a kowane lokaci. Kuma wannan daga ko'ina cikin duniya, ciki har da wani tsibiri mai nisa a tsakiyar Tekun Pacific.
Ko da yake yana da mahimmanci ga 'yancin ku, 'yancin faɗar albarkacin baki bai isa ba. Ba za ku iya hutawa a kan ku ba. Domin samun 'yanci na gaske, kuna buƙatar koyon yare na duniya. Harshen da kowa ya fahimta: kuɗi.
'Yancin Kuɗi
An ayyana yancin kuɗi da:
- Samar da riba
- Don zama mai zaman kansa
Samar da riba:
- Sami fiye da abin da kuke kashewa
- Tara dukiya akan lokaci
Kasancewa mai zaman kansa:
- Yin aiki da kanka
- Rarraba hanyoyin samun kuɗin ku
Yin aiki da kanka:
- Kasancewar shugaban ku
- Ƙayyade dokokin wasan ku
- girbi amfanin aikin mutum
Ƙayyade dokokin wasan ku:
- Idan kana so
- Duk lokacin da kuke so
- Inda kuke so
- Kamar yadda kuke so
- Tare da wanda kuke so
Bambance hanyoyin samun kuɗin shiga:
- Kasancewa da juriya ta fuskar canji
- Samar da riba ba tare da katsewa ba
'Yancin kuɗi yana ba ku damar:
- Rayuwa kashe ku m kudin shiga
- Bayar da lokaci ga sha'awar ku
Don cimma wannan, yana da mahimmanci a fahimci ka'idodi masu zuwa:
- Gudanar da kuɗi
- Zuba jari
- Inganta haraji
Motsin FIRE kyakkyawan kwatanci ne na waɗannan ra'ayoyin.
FIRE WUTA
FIRE (Financial Independence, Retire Early) wani motsi ne wanda ke ƙarfafa mutane don adanawa da zuba jari mai yawa, da wuri-wuri, don yin ritaya da kyau kafin zamanin gargajiya. Ta hanyar haɗa yawan kuɗin ajiyar kuɗi (ƙananan kuɗi) tare da ingantattun dabarun saka hannun jari (kasuwar hannun jari, dukiya), yana yiwuwa a ƙarshe a daina saka hannun jari kuma ku 'yantar da kanku daga matsalolin kuɗi.
Dabarar nasara ita ce saka hannun jari 70% ko fiye na kudin shiga, sannan ku rayu da sauran 30% ko ƙasa da haka. Da zarar jarin ku ya girma, kawai kuna buƙatar cinye 4% na su kowace shekara don rayuwa ba tare da izini ba, na tsawon lokaci mara iyaka.
Assuming a minimum requirement of 30 years of portfolio longevity, a first-year withdrawal of 4 percent, followed by inflation-adjusted withdrawals in subsequent years, should be safe. Tsammanin mafi ƙarancin abin da ake buƙata na shekaru 30 na tsawon rai na fayil, janyewar shekara ta farko na kashi 4 cikin 100, tare da cirewar hauhawar farashin kayayyaki a cikin shekaru masu zuwa, ya kamata ya kasance lafiya.Zazzage littafin da ke kafa wannan doka 4% :
Ƙananan Rangwame
Ƙarshe
00:00Ya kamata ku ɗauki wahayi daga wannan falsafar don fara daular kuɗin ku. Da farko, bari mu ga abin da za ku iya ajiyewa.
Babi na 5Tattalin Arziki
Kasafin kudi
Don samun damar saka hannun jari, kuna buƙatar kuɗi. Mataki na farko don girbin wannan iskar kuɗi shine kashe kuɗin kashewa. Don adanawa yadda ya kamata, ya zama dole don ƙirƙirar kasafin kuɗi. Wannan kasafin kudin ya kamata ya yi cikakken bayani game da duk hanyoyin samun kudin shiga, musamman ma duk tushen farashi. Wannan yana taimakawa gano wuraren da za a iya yin tanadi.
Ayyukan lissafin kuɗi na rage farashi (Yanke farashi, Kisan Kisan Kuɗi, Kashe lissafin kuɗi) ya shafi duka mutane da kasuwanci. Ya kamata ku sarrafa kasafin ku kamar na kasuwanci. Kawar da duk wani abu da ba riba ba ko kuma ya zama dole. Yin rowa dabi'a ce. Barka da zuwa tseren bera.
masauki
Matsakaicin sawun kasafin kuɗi na gida shine 8 520 EUR kowace shekara. Sama da shekaru 60: 511 200 EUR.
- Ɗauki ƙarami, mafi girman wuri
- Matsar zuwa unguwa mafi tattalin arziki
- Sake yin shawarwarin haya ko jinginar ku
- Bayar da wani ɓangare na gidan ku (don biyan kuɗin ku)
- Raba falo
- Nemo farashin haya na dogon lokaci na AirBnB
- Hayar a cikin wurin zama (gidan hannu ko tanti)
- Maida motar haya kuma mai da ita gidanku
- Barci cikin abin hawan ku kuma yi amfani da dakunan wanka na waje (ofis, dakin motsa jiki)
- Kasance da masauki kyauta
Idan kai mai gida ne ko kuma kana son zama ɗaya, ya kamata ka sani cewa ainihin kuɗin jinginar gida ya fi yadda ake tsammani. Alal misali, ga wani aro adadin 200 000 EUR, a kan shekaru 25, a 4% (biya a kowace shekara a kan adadin sauran da za a biya) da kuma 50% inshora (dangane da jimlar kudin da bashi), sakamakon ne a kusa da 444 000 EUR, da dawowar 222%, ko 2.22 aro adadin.
Zazzage na'urar kwaikwayo ta Lamunin Lamuni:
Ƙananan Rangwame
Ƙarshe
00:00Yana da mahimmanci a kwatanta farashin jinginar gida na gaskiya kafin yin, musamman a cikin shekaru da yawa. Ainihin farashin rancen zai iya tasiri sosai akan tafiyar kuɗin ku.
Abinci
Matsakaicin sawun kasafin abinci shine 6 000 EUR a kowace shekara. Sama da shekaru 60: 360 000 EUR ga kowane mutum. Don mutane 2: 720 000 EUR.
Dole ne ku ci ku rayu, kada ku rayu ku ci.
- Ka guji cin abinci a waje
- Yi amfani da takardun shaida da lambobin talla
- Rage amfani da sabis na bayarwa
- Dakatar da samun abubuwan sha daga shagunan kofi (Starbucks)
- Ka daina kashe kuɗin ku a ATMs
- Shirya abincin ku don guje wa gamsuwa nan take
- A ofishin, yi amfani da kwano tare da ragowar daga ranar da ta gabata.
- Sayi da yawa don rage farashi
- Dubi farashin kowace kilo farko (Za ku yi mamaki)
- Ajiye kayan gwangwani don gujewa sharar abinci (karewa)
- Yi amfani da tallace-tallace da takardun shaida na talla don adana kuɗi
- Siyayya kyauta tare da agaji
- Yi azumi da safe, maraice, a karshen mako da kuma lokacin hutunku
Yi amfani da ɗaya daga cikin waɗannan tallan don cin abinci akan farashi mai rahusa:
15 EUR tayi
Ƙananan Rangwame
Ƙarshe
00:0010 EUR tayi
15% rangwame
Ƙananan Rangwame
Ƙarshe
00:0015 EUR tayi
20% rangwame
Ƙananan Rangwame
Ƙarshe
00:0020 EUR tayi
10% rangwame
Ƙananan Rangwame
Ƙarshe
00:00Tare da gram 20 zuwa 30 na furotin mai amfani a kowace kwalbar da aka shirya don sha, Huel, Jimmy Joy, da yFood abubuwan sha masu gina jiki suna ba da ƙimar furotin mai kyau zuwa farashi, ban da kasancewa cikin sauƙi da sauri. Gwada dandano cakulan su don haɗuwa da kasuwanci da jin daɗi.
Taba
Matsakaicin kasafin kudin mai shan taba shine 3 800 EUR a kowace shekara. Sama da shekaru 60: 228 000 EUR.
- Kin taba
Sufuri
Matsakaicin sawun abin hawa shine 6 100 EUR kowace shekara. Sama da shekaru 60: 366 000 EUR kowace abin hawa. Idan kana da motoci 2: 672 000 EUR.
Rage duk abin da za ku iya: rancen mota, haya, mai, inshora, kulawa, gyare-gyare, tara, haɗari.
- Guji motsi
- Yi la'akari da yin motsa jiki
- Hayar abin hawa lokacin da kuke buƙata, maimakon siyan ta
- Yi amfani da ƙarami, abin hawa mafi ƙanƙanta
- Zabi abin hawan da ke cin ƙarancin mai
- Hayar abin hawan ku lokacin da ba a amfani da shi (rana, dare, karshen mako)
- Siyar da abin hawan ku
- Yi la'akari da jigilar jama'a
- Daidaita biyan kuɗin ku (mafi ƙarancin adadin yankuna)
Biyan kuɗi
Biyan kuɗi tushen farashi ne mai maimaitawa.
Anan akwai matsakaicin sawun kasafin kuɗi na wasu biyan kuɗi:
- Netflix: 72 EUR a kowace shekara. Sama da shekaru 60: 4 320 EUR.
- Gidan wasan kwaikwayo: 130 EUR a kowace shekara. Sama da shekaru 60: 7 800 EUR.
- Mujallar: 156 EUR a kowace shekara. Sama da shekaru 60: 9 360 EUR.
- Gym: 540 EUR a kowace shekara. Sama da shekaru 60: 32 400 EUR.
- Inshorar juna: 1 200 EUR a kowace shekara. Sama da shekaru 60: 72 000 EUR.
Saboda haka:
- Soke biyan kuɗin ku yayin da kuke hutu
- Sake Tattaunawar Wutar Lantarki, Ruwa, Gas, Intanet, Waya
- Share Inshora, Mutual, Wasanni, Mujallu, Gidan wasan kwaikwayo, Cinema, Yawo
Lokacin kyauta
Juya rashin zaman ku zuwa yawan aiki.
- Soke hutun da kuke so
- Kada ku kasance marasa aiki ko faɗuwa
- Scour allunan ayyuka da wuraren talla masu rarrafe
- Yi aiki a lokacin hutun da kuka biya: Bonus a cikin watanni: (11 + 1) / 11 = 9%
- Aiki a karshen mako: Bonus a cikin kwanaki (5 + 2) / 5 = 40%
Da'irar zamantakewa
Da'irar zamantakewarku ta ƙunshi abokai, abokan aiki, da danginku. Duk waɗannan mutane suna makale a cikin keji guda, wanda aka kulle ku tun kuna ƙarami. Don haka ’yan uwanku ne kawai fursunoni, na ɗan lokaci kaɗan. Lokaci-lokaci, suna wakiltar farashi, na kuɗi da na ɗan lokaci. Lokacin ku yana da daraja. Burin ku shine samun kuɗi, ba zamantakewa ba. Iyakance mu'amalarku zuwa mafi ƙanƙanta.
- Ƙaunar abokai
- Ƙi iyali
- Kin abokan aiki
- Kin sha bayan aiki
- Ƙi ranar haihuwa
- Kin bankwana
- Ƙin abincin dare da abincin rana
- Ƙi bukukuwan addini da kalanda
- Kin ayyukan zamantakewa (motsi)
- Ƙi yin aikin sa kai
- Cajin: 100 EUR a kowace awa na halarta
Dabbobi
Matsakaicin sawun kasafin kuɗi na dabba shine 1 000 EUR kowace shekara. Sama da shekaru 15: 15 000 EUR kowace dabba.
| Yawan dabbobi | Sakamako |
| 1 | 15 000 EUR |
| 2 | 30 000 EUR |
| 3 | 45 000 EUR |
| 4 | 60 000 EUR |
| 5 | 75 000 EUR |
| 6 | 90 000 EUR |
- Ki dabbobi
- Ku sayar da dabbobinku
Rayuwar Ma'aurata
Yawancin ma'aurata suna tasowa da burin kafa iyali sannan su ba da dukiya ga 'ya'yansu. Wannan kadari yawanci abu ne ko kwayoyin halitta.
A cikin al'ummar Yamma masu sha'awa (misali aure), aikin aure ya rabu da dangantakar jima'i.
Le devoir conjugal (...) ne prend nullement en considération le consentement aux relations sexuelles Aikin aure (...) baya la'akari da yarda da jima'iL’existence même d’une telle obligation matrimoniale est (...) contraire à la liberté sexuelle Kasancewar irin wannan wajibcin aure shine (...) ya sabawa ‘yancin jima’iLa Cour ne saurait admettre (...) que le consentement au mariage emporte un consentement aux relations sexuelles futuresKotun ba za ta iya yarda da (...) cewa amincewar aure yana nufin yarda da jima'i na gaba baL’idée qu’un mari ne puisse pas être poursuivi pour le viol de sa femme est inacceptableTunanin cewa ba za a tuhumi miji ba saboda fyaden da aka yi wa matarsa ba abin yarda ba ne.Zazzage wannan shari'ar:
Ƙananan Rangwame
Ƙarshe
00:00A Philippines, sashe na 247 na kundin laifuffuka (Shafi na 67) ya ba wa matar da aka damfara damar cire matar da ta yi zamba.
Any legally married person (...) surprised his spouse (...) sexual intercourse with another person (...) shall kill any of them or both (...).Duk wani mai aure (...) ya yi mamakin matarsa (...) jima'i da wani mutum (...) zai kashe ɗayansu ko duka biyun (...).Zazzage lambar laifi mai ɗauke da wannan doka (shafukan 109):
Ƙananan Rangwame
Ƙarshe
00:00Mu kalli tsadar rayuwa a matsayin ma'aurata:
- Aure + Saki: 30 000 EUR
- Amfanin ramuwa: Tsakanin 200 000 EUR da 700 000 EUR
- Yaro: 200 000 EUR (fiye da shekaru 20)
- dalibi: 60 000 EUR (fiye da shekaru 5: Jagora)
Mata sune farkon 75% na saki. Matsakaicin shekarun macen da ke neman saki shine 44.
Bari mu tsara yanayi guda 2:
| Matsayi | Yayi aure 3 yara | Bachelor |
| Aure + Saki | 30 000 EUR | 0 EUR |
| Amfanin ramuwa | 200 000 EUR | 0 EUR |
| Yara | 600 000 EUR | 0 EUR |
| Dalibai | 180 000 EUR | 0 EUR |
| Farashin | 980 000 EUR | 0 EUR |
A cikin wannan tsari, sakamakon saki shine -1 000 000 EUR.
Amfanin ramuwa yana dogara ne akan bambancin kudin shiga tsakanin ma'aurata. Don haka, lokacin da sauran rabin ku suka tambaye ku ko za su iya daina aiki (Income: 0 EUR), ku sani cewa tabbas suna shirya kisan aure tare da fa'idodin diyya.
Akwai aƙalla hanyoyi guda uku don ƙididdige farashin fa'idar diyya. Kowannensu yana haifar da sakamako daban. Sanin kimanin adadin fa'idar ramuwa yana ba ku damar shirya kuɗin ku da kyau.
Zazzage na'urar kwaikwayo na fa'idar Ramuwa:
Ƙananan Rangwame
Ƙarshe
00:00
A jamhuriyar gurguzu ta Faransa, babu sata tsakanin ma'aurata (miji, mata), masu hawan sama (iyaye, kakanni, kakanni, da dai sauransu) da zuriya ('ya'ya, jikoki, jikoki, da sauransu).
Ne peut donner lieu à des poursuites pénales le vol commis par (...) ascendant (...) descendant (...) conjointSatar da (...) wanda ya hau (...) zuriyar (...) ma'aurata ba zai iya haifar da tuhuma ba.Ta yin haka, sauran rabin ku, ’ya’yanku, iyayenku za su iya yi muku sata bisa doka.
Zazzage dokar da ta halatta satar iyali:
Ƙananan Rangwame
Ƙarshe
00:00
A cikin jamhuriyar gurguzu ta Faransa, al'umma masu sha'awa kamar aure sun haɗa da ƙarin farashi, gami da Alimony. Wannan ya shafi ma'auratan ku, 'ya'yanku, da iyayen ma'auratanku. Lokacin da kuka auri mara aure, a zahiri kuna ɗaukar nauyin rukunin mutane gaba ɗaya.
Les époux se doivent mutuellement respect, fidélité, secours, assistance. Ma'aurata suna bin juna girmamawa, aminci, taimako, da taimako.Les époux contractent (...) l'obligation de nourrir, entretenir et élever leurs enfants.Ma'auratan sun ɗauki (...) wajibcinciyarwa, kula da tarbiyyar 'ya'yansu.Les enfants doivent des aliments à leurs père et mère ou autres ascendants qui sont dans le besoin. Yara sunabin iyayensu ko wasu masu hawan da suke da bukata.Taimakon da ake samu saboda masu hawan hawa yana ɓacewa ne kawai idan an kashe aure, ko kuma mutuwar ma'aurata da ƴaƴa. Don haka, muddin yaro ya kasance, dole ne ma’auratan da suka tsira su ba da goyon baya ga masu hawan matansu.
Les gendres et belles-filles doivent également, et dans les mêmes circonstances, des aliments à leur beau-père et belle-mère, mais cette obligation cesse lorsque celui des époux qui produisait l'affinité et les enfants issus de son union avec l'autre époux sont décédés. Surukai da surukai kuma suna bin su, a cikin yanayi guda, kula da surukinsu da surukansu, amma wannan wajibcin ya gushe ne lokacin da ma’auratan da suka samar da zumunci da ‘ya’yan da aka haifa daga tarayyarsa da sauran ma’auratan sun mutu.A jamhuriyar gurguzu ta Faransa, kaucewa biyan tallafin abinci na wajibi na daurin shekaru biyu a gidan yari da tarar 15 000 EUR. Ga kowane rashin biya, tarar $1,000 ne.
Le fait, pour une personne, de ne pas (...) verser (...) l'une des obligations familiales (...) est puni de deux ans d'emprisonnement et de 15 000 EUR d'amende. Rashin (...) biyan (...) daya daga cikin wajibai na iyali (...) yana da hukuncin daurin shekaru biyu a gidan yari da tarar 15 000 EUR.Zazzage rubutun doka da suka shafi Taimakon Abinci na Tilas:
Ƙananan Rangwame
Ƙarshe
00:00Taimakon Abinci na tilas na iya dora muku nauyi wanda bai dace da hanyoyin kuɗin ku ba. Tabbatar yin kasafin kuɗi don wannan adadin don kada a kama ku idan lokaci ya yi.
Zazzage Na'urar Na'urar Taimakon Abinci na Tilas:
Ƙananan Rangwame
Ƙarshe
00:00
Aure ya samar wa yaranku gida. Ka dauka cewa lallai wadannan yaran naka ne, kuma babu wata musanya da aka yi a asibiti a lokacin haihuwarsu, nawa ne DNA dinka za ka yi wa zuriyarka?
Bari mu kalli ribar watsa kwayoyin halitta sama da tsararraki 10:
- Farawa: 100% (watau 1)
- Lalacewa: 50% a kowane lokaci (watau 0.5)
- Adadin: 10
- Sakamako: 1 x 0.5 ^ 10 = 0.1%
- Riba: 1 - (0.1 / 100) = -99.9%
A cikin tsararraki 10, kayan aikin halittar ku zai wakilci 0.1% na zuriyarku. Rayuwar ku ta ilimin halitta ba za ta zama komai ba. Za a goge keɓaɓɓen halittar ku. Wannan gaskiya ce mai tsauri. Genetically, ba ku wuce kome ba.
Babban dalili na al'ummar sha'awa an share shi ta hanyar lissafin lissafi mai sauƙi. Idan muka yi la'akari da nihilism da aka kawo game da raguwar DNA ɗinku da aka watsa zuwa kowane tsara, da kuma albarkatun da ba su da yawa waɗanda kuke da su, ko kuma haɗarin yin motsi a nan gaba, don sakamakon asymptotic na sifili, idan ba mummunan ba, yana da kyau a tambayi, a ma'ana, tambaya game da dawowa kan zuba jari na irin waɗannan ayyuka.
Idan kana da yara kuma ka ga suna da tsada, za ka iya sha'awar ka watsar da su. A cikin jamhuriyar gurguzu ta Faransa, kamar yadda yake a yawancin hukunce-hukuncen, ana azabtar da yaran da aka yi watsi da su.
Le délaissement (...) est puni de sept ans d'emprisonnement et de 100 000 EUR d'amende Yin watsi da (...) yana da hukuncin daurin shekaru bakwai a gidan yari da kuma tarar 100 000 EURƘananan Rangwame
Ƙarshe
00:00Ku sani, duk da haka, akwai hanyoyin da za su ba ku damar watsar da yaranku, gaba ɗaya bisa doka.
Les père et mère (...) peuvent (...) déléguer (...) leur autorité parentale Uba da uwa (...) na iya (...) wakilta (...) ikon iyayensuƘananan Rangwame
Ƙarshe
00:00Yin watsi da zuriyarka a bisa doka wani lokaci ya zama dole don daidaita kasafin ku.
A ƙarshe amma ba ƙaranci ba, a mafi yawan hukunce-hukuncen ƙasashen Yamma, rugujewar al’umma masu sha’awa, kamar auren da ya ƙare cikin saki, zai kwace muku rabin dukiyar ku. Ribar saki shine -50%. Daga cikin duk sakamakon zama tare, wannan shine mafi tasiri. A baya mun kwatanta tasirin raguwar kashi 50% a kowane juzu'i ta amfani da watsa kwayoyin halitta a matsayin misali. Tarin saki akan saki zai haifar da irin wannan tasirin, wato saurin hasarar jarin ku.
Kudin damar da ke da alaƙa da wannan asarar, wato, adadin kuɗin da za a hana ku kuma ba za ku iya saka hannun jari ba, zai yi tasiri sosai ga rayuwar ku ta gaba.
Kafin ku fara rayuwa a matsayin ma'aurata, ku yi tunani a hankali game da tsadar rayuwa.
Zazzage na'urar kwaikwayo ta Rayuwar Ma'aurata:
Ƙananan Rangwame
Ƙarshe
00:00Haɓaka farashin rayuwa a matsayin ma'aurata yana ba ku damar guje wa jerin abubuwan da za su iya shafar ku har tsawon rayuwar ku.
Zaɓuɓɓukan rayuwar ku, musamman adadin kuɗin da kuke ajiyewa, suna da babban tasiri akan ƙarfin saka hannun jarinku. Shi ya sa yana da mahimmanci a bi ta hanyoyi daban-daban kafin aiwatar da shirin ku kuma zaɓi wanda ya fi dacewa da ku.
A cikin wannan babin, mun jera manyan hanyoyin samun kuɗi da kuma tsara hanyoyin da za a iya yin ceto:
- masauki
- Abinci
- Taba
- Sufuri
- Biyan kuɗi
- Hutu
- Da'irar zamantakewa
- Dabbobi
- Rayuwar ma'aurata
Koyaya, tanadi ba shine kawai tushen jarin jari ba. Har ila yau, kuɗin shiga ku yana taka muhimmiyar rawa. Bari mu ga yadda za ku iya inganta shi, misali, ta zama mai zaman kansa.
Babi na 6Mai zaman kansa
Ma'aikaci / Mai zaman kansa
Akwai babban bambanci tsakanin ma'aikaci da mai zaman kansa. Ma'aikaci yana ƙarƙashin ma'aikacin su bisa doka. A yarjejeniya, ma'aikaci yana da biyayya da biyayya ga ma'aikacin su. Mai zaman kansa, aƙalla mai kasuwanci, mai zaman kansa ne bisa doka. Mai zaman kansa ba shi da shugaba. A matsayin mai ba da sabis, mai zaman kansa yana ba da sabis ga abokan cinikin su marasa iyaka, yana ba su damar haɓaka hanyoyin samun kuɗin shiga.
| Matsayi | Ma'aikaci | Mai zaman kansa |
| Ƙarƙashin ma'aikata | Ee | Ba |
| Neman izinin izini | Ee | Ba |
| Mafi ƙarancin adadin bukukuwa | Ee | Ba |
| Matsakaicin adadin bukukuwa | Ee | Ba |
| Matsakaicin adadin kwanakin da aka yi aiki | Ee | Ba |
| Maganar keɓancewa | Ee | Ba |
| Matsakaicin adadin ayyuka | Ee | Ba |
| Hutu na wajibi: awanni 11 tsakanin ayyuka 2 | Ee | Ba |
| Yawan Albashi (kowane abokin ciniki) | 0 | x2 |
Masu zaman kansu suna da sassauci fiye da ma'aikata. Za su iya yin aiki gwargwadon abin da suke so su kara kudin shiga. Tare da aiki daidai (matsayi ɗaya, nauyin aiki ɗaya, sa'o'i iri ɗaya), suna samun matsakaicin sau biyu. Idan sun inganta tsarin su, za su sami karin kuɗi sau uku. A ƙarshe, masu zaman kansu suna da ƙarin haɓakawa: suna iya samun abokan ciniki da yawa. Tare da abokan ciniki biyu, za su iya samun riba tsakanin huɗu da sau shida fiye.
Matsakaicin Matsakaicin Kullum
The Freelancer yana ƙayyade Matsakaicin Matsakaicin Rate ɗin su na Kullum, wanda shine albashinsu na yau da kullun. Sun saita farashin su. Don haka Mai Kyautatawa Mai Ba da Farashi ne. Su ne kishiyar ma’aikacin da ake biyan albashi, Mai Taimakon Farashi, wanda ke daukar abin da aka jefe su. Don haɓaka ribar ku, tabbatar da cewa kai mai ba da Farashi ne. Ta wannan hanyar, tattaunawar za ta fara ne daga tushen ku, ba daga na abokin cinikin ku ba. Ko sun saya ko sun ƙi sabis ɗin ku wani labari ne. Idan abokin ciniki A ba zai iya samun ƙwarewar ku ba, abokin ciniki B zai. Dokar kasuwa ce. Ka'idar wadata da buƙata ce. Teku babba ne, kuma cike yake da kifi. Na gaba.
Za ku shiga tsaka-tsaki, wanda abokan ciniki da yawa ke magana a kasuwa, kuma wanda aikinsu shine haɗa bayanan ku tare da ɗayan ayyukan da ake bayarwa a cikin kasidarsa, a ƙarshen abokin ciniki. Dangane da Rate ɗin ku, wannan matsakanci zai ɗauki kwamiti. ESN (Kamfanonin Sabis na Dijital, tsohon SSII (Kamfanin Injiniyan Injiniyan Kwamfuta), wanda kuma ake kira masu sayar da nama (ku ne nama), gabaɗaya ku yi ƙoƙarin yin kisa a bayanku, ta hanyar ɗaukar tazarar 50%. Ku gane. Kai ne ke aiki, kuma su ne ke aljihu, wannan ba abin yarda ba ne, wasu za su ƙi sanya ku ƙasa da kashi 20%.
Idan ka kawo musu abokin ciniki, kuma cajin su yana iyakance ga yin aiki a matsayin tsaka-tsaki, abokan hulɗa na gaskiya ba za su ɗauki fiye da 5% ba. Wadanda suka fi fafatawa za su iya rage wannan tazara zuwa 3%. Don haka, ya danganta da tsaka-tsakin da aka yi amfani da shi, ribar ku tana tasiri da -3% zuwa -50%. Lura cewa tazarar da wannan tsaka-tsakin ya samu, kodayake yana da mahimmancin babban jari, saboda yana auna ayyukan kasuwancin ku, ba komai bane. Yi nazarin iyawar wannan tsaka-tsakin dangane da hanyar sadarwa, ƙarfin kuɗi da tsinkayen ƙasashen duniya. Za mu tattauna wannan al'amari daga baya a cikin sashin Offshore.
IT mai zaman kansa
Sashin IT (Fasahar Bayani) yana ba da ƙima mai kyau, kama daga Eur 350 kowace rana don masu farawa, zuwa 1 000 EUR kowace rana don mafi kyawun bayanan martaba (Misali: Tsaro). IT wani sashe ne wanda ke son mutanen da suka koyar da kansu, takaddun shaida da gogewa, kuma akasin haka ba ya kula da difloma. Sashi ne da ke karɓar duk bayanan martaba, gami da adabi, tallace-tallace, masana kimiyyar halittu, da sauran masanan a cikin aikin sake horarwa. Daga lokacin da kake son koyo, akwai aiki a kan gungumen azaba. Wasu ayyukan ba sa buƙatar takamaiman ƙwarewar kwamfuta. Ana amfani da kamfanoni a sashin IT don horar da sabbin ma'aikatansu, wani lokacin a cikin watanni 1 zuwa 3 (ƙarfafa horo).
Anan ga wasu mukamai na wakilci a cikin wannan sashin ayyuka:
| Ayuba | Matsayi | Kayan aiki | Farashin |
| Mai Gudanar da Tsari | Sarrafa sabar da imel | AzureAD, Entra ID | 500 EUR |
| Mai haɓakawa | Yana rubuta lambar kwamfuta | Javascript, Java, Python, C++, Rust, PHP | 400 EUR |
| Jagorar Mai Haɓakawa | Mai neman aikin fasaha | Memcache, Redis | 500 EUR |
| Injiniya Data | Gwani tun | MySQL, NoSQL, Kafka | 600 EUR |
| Gine-gine | Tsare-tsaren Tsare-tsare na Biranen Labarai | TOGAF, ITIL | 800 EUR |
| Cloud Architect | Masanin Cloud | Google Cloud, AWS, Azure | 1 000 EUR |
| Tsaro Architet | Masanin Tsaro | ISO 27001 LI, CISSP, CASP+ | 1 000 EUR |
| Manajan aikin | Yana sarrafa albarkatun aikin | Jira, Confluence, MSProject, PMP | 500 EUR |
| Manazarcin Kasuwanci | Manajan aikin MOA Cycle en V | Jira, Confluence, MSProject, PMP | 500 EUR |
| Mai Samfuri | Manajan Aikin MOA Scrum | Jira, Confluence, MSProject, PMP | 500 EUR |
| Scrum Master | Manajan aikin Scrum | Jira, Confluence, MSProject, PMP | 500 EUR |
| PMO | Yana sarrafa ayyuka da yawa | Jira, Confluence, MSProject, PMP | 600 EUR |
| Manajan aikin | Sarrafa ƙungiyar Manajan Ayyuka | Jira, Confluence, MSProject, PMP | 700 EUR |
| Manajan Shirin | Sarrafa ƙungiyar Manajan Ayyuka | Jira, Confluence, MSProject, PMP | 700 EUR |
| Mai sarrafa fayil | Sarrafa ƙungiyar Manajan Shirin | Jira, Confluence, MSProject, PMP | 800 EUR |
| CTO | Sarrafa duk ƙungiyoyin fasaha | TOGAF, ITIL | 1 000 EUR |
| CIO | Yana sarrafa duk IT | TOGAF, ITIL | 1 000 EUR |
Tuntuɓi waɗannan dandamali don cancanta da ƙididdige tayin da ke akwai:
- Indeed
- Freelance.com
- Freework
- Hellowork
- Monster
- Linkedin
- Malt
- Upwork
Aiki mai nisa
A cikin sashin IT, yawanci ana samun kwanaki 2 zuwa 3 na aikin nesa a kowane mako. Mashawarcin IT yana haɗawa tare da dannawa ɗaya ta amfani da VPN na kamfani (Virtual Private Network). Wannan yana ba su damar gudanar da aikinsu daga gida, a otal, ko a cafe, misali sarrafa imel ko ayyukansu, kamar suna cikin harabar kamfani, amma a gida.
Yin aiki daga nesa yana ba da wasu fa'idodi:
- Rage damuwa
- Yi sassauƙa da jadawalin ku
- Yin wasa tare da yankunan lokaci
- Yin aiki a duniya
- Kawar da sufuri (lokacin tafiya)
- Ƙara ingancin barcin ku
- Inganta ma'auni na rayuwar aikinku
- Yi siyayya da rana
- Fara injin wanki
- Ajiye akan abincin rana
- Yi barci a lokacin hutun abincin rana
- Don zama a cikin tufafi da slippers
- Yin zuzzurfan tunani yayin tarurruka (Makirifo da kyamarar gidan yanar gizo)
- Ƙara kuɗin shiga tare da Biyu Biyu
Biyu Billing
Dole ne ku ƙayyade dabarun da suka fi dacewa dangane da matakin ƙwarewar ku. Kwararren da ke samun 1 000 EUR kowace rana abokin cinikin su zai sa ido sosai, wanda zai yi matukar wahala. Akasin haka, mafari da ke samun Eur 350 zai kasance ƙarƙashin annashuwa, idan ba lallashi ba, kulawa. Wannan gaskiya ne musamman ga babban asusun, inda su ne kawai albarkatun wucin gadi tsakanin dubun dubatar ma'aikata. Wannan yana ba su damar ɗaukar aiki na biyu, ko Biyan Kuɗi. Wannan yana ba su sauƙi mai sauƙi na (350 + 350) = 700 EUR kowace rana, ba tare da wata ƙwarewa ta musamman ba.
Samun ayyuka guda biyu a lokaci guda ba abu ne mai sauƙi ba. Ya ƙunshi ƙarin nauyin tunani, ikon canzawa daga wannan batu zuwa wani, tuna sunayen farko na duk lambobin sadarwarku, ayyuka daban-daban ta abokin ciniki, sarrafa kwamfyutoci da yawa, da jujjuya tarurrukan kowane aiki a cikin rana ɗaya. Koyaya, wannan ƙarin ƙoƙarin ana samun lada sau da yawa a cikin tsabar kuɗi mai wuya. Don aiwatar da dabarun Biyan Kuɗi a cikin mafi kyawun yanayi, tabbatar cewa kun gamsu da aikinku na farko (aƙalla watanni 3 na aiki) kafin ɗaukar aiki na biyu.
Musanya lokutan kasancewa da aikin waya don cimma wannan:
- Ofishin Jakadancin A: Kasancewa: Litinin da Talata. Watsawa: Laraba, Alhamis, Juma'a
- Ofishin Jakadancin B: Aikin Waya: Litinin da Talata. Gabatarwa: Laraba, Alhamis, Juma'a
Daidaita waɗannan ramukan lokaci don dacewa da bukatun abokan cinikin ku. Waɗannan jaddawalin bai kamata su taɓa juna ba. Kowane abokin ciniki yana son tunanin suna yin kwangila tare da ku don fa'idarsu ta keɓance. Tabbatar cewa Client A da Client B basu taɓa haduwa ba.
Takaddun shaida
Takaddun shaida babbar hanya ce don haɓaka ƙimar kasuwar ku. Suna ba ku damar saita kwallaye masu koyo, suna samun sabbin dabaru, kuna da kwarewarku ta hanyar tantancewa), kuma ya tsallake gwajin fasaha a lokacin tambayoyi, kuma saka kwarewarku daidai.
Ya kamata a kalli takaddun shaida azaman saka hannun jari wanda ke haifar da kwararar kuɗi mai kyau. Za a mayar da kuɗinsu na farko da sauri, a cikin ƴan kwanaki na aiki. Bugu da ƙari, yayin da kuke kammalawa, ƙwarewar ku za ta zama ƙwararru, kuma gwargwadon yadda kuke faɗaɗa ƙwarewar ku (ra'ayin 360° na ayyukan IT), yana sa ku juriya, bayyane, da mahimmanci a kasuwa.
Gwada waɗannan takaddun shaida:
| Takaddun shaida | Farashin | Etude | Wahala | Etude |
| Scrum Master | 150 EUR | makonni 2 | Sauƙi | Jagorar Scrum, Jarrabawar Ayyuka, Jarabawa |
| Google Analytics | 50 EUR | makonni 2 | Sauƙi | Google Analytics University |
| JavaScript | 100 EUR | Wata 1 | Sauƙi | W3 Makarantu |
| TOEIC | 100 EUR | Wata 1 | Sauƙi | - |
| Google Cloud Associate | 200 EUR | Wata 1 | Sauƙi | Coursera |
| AWS | 100 EUR | Wata 1 | Sauƙi | AWS |
| Google Cloud Developer | 200 EUR | watanni 3 | MATAKI | Coursera |
| Google Cloud Data Engineer | 200 EUR | watanni 3 | MATAKI | Coursera |
| SEO | 30 EUR | watanni 3 | MATAKI | Coursera |
| PHP | 150 EUR | watanni 3 | MATAKI | - |
| PMP | 400 EUR | Wata 6 | Mai wahala | Coursera |
| Google Cloud Architect | 200 EUR | Wata 6 | Mai wahala | Coursera |
| Oracle MySQL | 150 EUR | Wata 6 | Wahala | MySQL Certification Study Guide |
Waɗannan takaddun shaida suna ba masu riƙe su damar samun 10 000 EUR kowane wata.
Zazzage waɗannan takaddun shaida na asali:
Ƙananan Rangwame
Ƙarshe
00:00Samun sunan ku akan irin waɗannan takaddun shaida zai iya taimaka muku kawar da kasuwancin ku daga ƙasa. Tabbatar kun sami ƙwarewar da suka dace.
Kamfanin Portage
Yana yiwuwa a fara a matsayin mai zaman kansa nan da nan. Kuma wannan ba tare da ɗaukar nauyin gudanarwa na ƙirƙirar kamfani ba. Ana kiran wannan yanayin haɗaɗɗiyar kamfani mai ɗaukar hoto. Nan da nan za ku inganta kuɗin ku, saboda hukumar kamfanin ba ta wuce 10% ba. Idan aka kwatanta da ma'aikaci a cikin ESN, aiki a cikin kamfani mai ɗaukar hoto yana ba ku damar samun tsakanin +10% da +40% idan aka kwatanta da aikin gargajiya. A fasaha, kai ma'aikaci ne na kamfanin jigilar kaya. Wannan yana nufin cewa kun kasance ƙarƙashin ma'aikacin ku. Idan ma'aikacin ku yana zaune a cikin Jamhuriyar Socialist ta Faransa, wannan kuma yana nufin kuna ba da gudummawa ga inshorar rashin aikin yi na tilas na Jiha. Wannan yana shafar aikin kasuwancin ku. Za mu yi bayanin daga baya yadda ake dawo da wani ɓangare na wannan matashin kuɗin kuɗi.
Yi rijista akan rukunin yanar gizon masu zaman kansu (duba babin IT mai zaman kansa).
Da zaran kana da abokin ciniki, ko ƙarshen ko ESN, tuntuɓi waɗannan kamfanonin Portage:
Ƙananan Rangwame
Ƙarshe
00:00Kamfanin jigilar kaya hanya ce mai kyau don shigar da ƙafarka a cikin kofa. Yana da mafi tasiri nau'i na aiki lokacin da burin ku shine tattara fa'idodin rashin aikin yi tare da haɓaka kuɗin ku.
Bayan 'yan watanni tare da kamfani mai zaman kansa, an tabbatar da ku game da matsayin ku mai zaman kansa. Matsayin rayuwar ku ya inganta sosai. Kuna yanke shawarar lokaci ya yi da za ku fara kamfanin ku don samar da ƙarin kuɗi. Yanzu bari mu kalli yadda ake fara kasuwancin ku na farko.
Babi na 7Kasuwanci
Slowlane VS Fastlane
Kuna da zaɓi tsakanin hanyoyi 2:
- Hanya a hankali
- Hanya mai sauri
Slowlane
- Ana amfani da ma'aikata
- Yana kaiwa ga matsakaici
- Jiha, malaman ku, makwabta, ma'aurata, abokai da dangi sun ba da shawarar
Fastlane
- 'Yan kasuwa ke amfani da su
- Korar Nasara (Maimaituwa)
- Yana amfani da abubuwan kara kuzari (Boosters)
An haɓaka waɗannan ra'ayoyin daki-daki a cikin jagora mai shafuka 340.
oda wannan littafin (shafukan 340):
Ƙananan Rangwame
Ƙarshe
00:00Yin amfani da dabarar lissafi mai sauƙin fahimta, wannan littafin ya bayyana dalilin da yasa ɗan kasuwa zai sami tsarin aiki fiye da ma'aikaci. Bayan haƙiƙanin gaskiya, wannan littafin yana gabatar muku da rawar mahaliccin ƙima.
Karatun shafuka 340 na iya zama mai ban tsoro. Bayani mai amfani da dacewa yana iya zama da wahala a samu. Lokacin ku yana da daraja. Zaɓi sigar taƙaice da matsananci, akan farashi mai rahusa (shafi 1):
Ƙananan Rangwame
Ƙarshe
00:00Da zarar kun karanta wannan, bari mu ƙirƙiri kasuwancin ku na farko tare.
Kasuwanci
Fara kasuwanci mataki ne na wajibi na zama dan kasuwa. A cikin Jamhuriyyar Socialist ta Faransa, mashahurin zaɓi shine EURL kamfanin iyakance iyaka), wanda ke ba da tsari mai sassauƙa na doka wanda ya dace da ƙananan kasuwancin. Tsarin ƙirƙirar kasuwancin sa yana da sauƙi, sauri, kuma mara tsada. Duk da haka, a kula da yawan farashin aiki na wannan ikon. Za mu tattauna wannan batu a cikin sashin da aka keɓe don gine-ginen teku.
Har ila yau, yi hankali da hanyar da za a rufe EURL, wanda ke da wahala daga ra'ayi na bureaucratic. Za mu ga wannan bayan an buɗe shi.
Duk da tsadar aiki, fara kasuwanci a Jamhuriyar gurguzu ta Faransa motsa jiki ne mai ban sha'awa a ka'ida. Da zarar kun san yadda ake farawa da rufe kasuwanci a cikin Jamhuriyyar gurguzu ta Faransa, kawai ku yi amfani da wannan ikon zuwa kowane iko.
Kuna iya farawa tare da mai mallakar kaɗaici, watau tare da mai hannun jari 1 (memba 1), sannan matsa zuwa tsarin abokan tarayya da yawa, watau tare da masu hannun jari da yawa (mambobi da yawa).
A cikin Jamhuriyyar Socialist ta Faransa, tsarin da aka fi sani da shi shine EURL (Entreprise Unipersonnelle à Responsabilité Limitée Ƙarƙashin SARL Ƙarƙashin Société Anonyme à Responsabilité Limitée Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin SAS Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙa)) da kuma SASU (Kamfanin Ƙarfafa Ƙwararrun Ƙwararrun Ƙwararrun Société par Actions Simplifiée). Bambanci ya ta'allaka ne a cikin wajibcin buga asusun (mai sauƙi ga EURL) da kuma cikin haraji.
Haɓakar haraji (aikin canji) ya fi ko žasa m tsakanin Ma'aikaci, EURL da SASU. Duk da haka, akwai wasu bambance-bambance na anecdotal.
Yi amfani da wannan rukunin yanar gizon don ƙididdige haraji ga Ma'aikata:
Ƙananan Rangwame
Ƙarshe
00:00Yi amfani da wannan rukunin yanar gizon don ƙididdige haraji don EURL :
Ƙananan Rangwame
Ƙarshe
00:00Yi amfani da wannan rukunin yanar gizon don ƙididdige haraji ga SASU :
Ƙananan Rangwame
Ƙarshe
00:00Yi amfani da wannan rukunin yanar gizon don kwatanta haraji tsakanin EURL, SASU da sauran nau'ikan kamfani:
Ƙananan Rangwame
Ƙarshe
00:00Da fatan za a lura cewa haraji ba shine abin da ke tabbatar da hakan ba a wannan matakin. Tabbas, batun inganta haraji za a rufe shi daga baya a cikin wannan horon. Abin da ke da mahimmanci a yanzu shine farawa, a ka'ida ko a aikace, wajen ƙirƙirar kasuwancin ku na farko.
Don dalilai na sauƙi da inganci, bari mu fara da EURL.
Bude EURL
Kasafin kuɗi don ƙirƙirar EURL shine 500 EUR. Ga matakan da za a bi:
- Duba Katin Shaida ko Fasfo na Kasa
- Sami shaidar adireshin (misali wutar lantarki ko lissafin intanet)
- Rubuta kuma sanya hannu kan yarjejeniyar samar da masauki (shafi 1)
Ƙananan Rangwame
Ƙarshe
00:00- Rubuta kuma sanya hannu kan takaddun shaida na rashin hukunci da mahaifa (shafi 1)
Ƙananan Rangwame
Ƙarshe
00:00- Daftarin Samfuran Labaran Ƙungiyar Kamfanin (shafukan 3): Ƙarfafawa ya ƙunshi harafin farko na kowace kalma da ke samar da sunan kamfani (buƙatun doka). Kar a fara, sa hannu, ko kwanan wata.
Ƙananan Rangwame
Ƙarshe
00:00- Buga sanarwar doka (150 EUR)
Ƙananan Rangwame
Ƙarshe
00:00- Bude asusun banki (200 EUR)
- Zana sigar ƙarshe na Labaran Ƙungiyar Kamfanin (shafukan 4)
- Haɗa takardar shaidar ajiyar kuɗi zuwa Labaran Ƙungiyar Kamfanin
Ƙananan Rangwame
Ƙarshe
00:00- Farko, sanya hannu da kwanan wata Labaran Ƙungiyar Kamfanin + Jerin abubuwan haɗin gwiwa + Shawarar mai hannun jari
Ƙananan Rangwame
Ƙarshe
00:00- Yi rijistar kamfani (50 EUR)
- Tsarin haraji: Harajin kamfani (IS)
- Lambar NAF / APE : Shawarar kasuwanci da sauran shawarwarin gudanarwa (70.22Z)
Ƙananan Rangwame
Ƙarshe
00:00- Samu Rahoton Hali
Ƙananan Rangwame
Ƙarshe
00:00- Samu KBIS
Ƙananan Rangwame
Ƙarshe
00:00- Duba shafin Kamfanin
Ƙananan Rangwame
Ƙarshe
00:00Waɗannan su ne duk takaddun da kuke buƙata.
Wannan mataki na farko na ƙirƙirar kamfani abu ne mai mahimmanci. Yana shirya ku don tafiyar da makomarku. Yanzu kai ne ke da iko. Kai ne shugaba.
Rufe farashin EURL
Sanin yadda ake rufe kamfani, a duk lokacin da ya cancanta, yana da mahimmanci kamar sanin yadda ake fara ɗaya. Bari mu tsara tsarin rufe kamfanin ku yanzu don ku kasance a shirye lokacin da dama ta taso.
Kasafin kuɗi don rufe EURL shine 250 EUR
An raba dakatarwar aiki zuwa matakai 3:
- Rushewa: Kamfanin ya daina aiki
- Liquidation: An rushe kamfanin
- Yin rajista: An soke kamfanin
Ga matakan da za a bi:
- Duba Katin Shaida ko Fasfo na Kasa
- Rubuta kuma sanya hannu kan rushewar (shafi 1)
Ƙananan Rangwame
Ƙarshe
00:00- Rubuta kuma sanya hannu kan ruwa (shafi 1)
Ƙananan Rangwame
Ƙarshe
00:00- Buga sanarwar rushewar doka (170 EUR)
Ƙananan Rangwame
Ƙarshe
00:00- Yi rijista da ƙarewar kamfanin (80 EUR)
Ƙananan Rangwame
Ƙarshe
00:00- Ta hanyar lantarki sanya hannu kan ƙarewar.
Kuna da zaɓuɓɓuka biyu don sa hannun lantarki:
- Takaddun sa hannu na lantarki
- La Poste Digital Identity Application
Zaɓin farko: Takaddun sa hannu na lantarki
Gano zaɓuɓɓukan takaddun shaida na lantarki:
Ƙananan Rangwame
Ƙarshe
00:00Zabi na biyu: La Poste Digital Identity Application
An keɓance wannan zaɓi ga ƴan ƙasar Faransa.
Da farko, dole ne ku sami ID mai guntu NFC. Don samun wannan amintaccen ID, rubuta wasiƙa da ke bayanin buƙatar ku na ID tare da guntu NFC. Lura cewa za a yi amfani da wannan guntu na NFC don samun dama ga ayyukan gwamnati da yawa. Don haka, ba a buƙatar ku nuna cewa za a yi amfani da guntuwar NFC don rufe kasuwancin ku.
Zazzage harafin murfin don neman takaddun shaida tare da guntun NFC:
Ƙananan Rangwame
Ƙarshe
00:00- Jeka zauren gari da wannan wasiƙar + tsohon takardar shaidar ku
- sannan nace akan sami tabbataccen takaddun shaida tare da guntu NFC
- Jira mako guda
- Zazzage ƙa'idar Identity na Faransa
- Ƙirƙiri asusu ta yin rijistar ID ɗin ku tare da guntun NFC
- Ƙirƙiri kuma ajiye lambar lambobi 6 (Rubuta shi)
- Ƙirƙira kuma Buga lambar QR
- Ka sa wannan lambar QR ta inganta a ɗayan manyan ɗakunan gari masu jituwa
Gano jerin dakunan dakunan gari masu jituwa da QRCode:
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00:00- Jira sa'o'i 24 don karɓar imel mai tabbatar da ƙirƙirar ainihin dijital ku
- Fahimci cewa FranceConnect+ tare da Faransanci Identité yana da wahala kuma baya barin ku shiga
- Zazzage aikace-aikacen La Poste Digital Identity
- Ƙirƙiri asusu ta yin rijistar ID ɗin ku tare da guntun NFC
- Ƙirƙiri kuma ajiye lamba + lambar wasiƙa (Rubuta shi)
- Jira awanni 24 don karɓar tabbacin SMS na ƙirƙirar ainihin dijital ku
- Shigar da lambobi + haruffa da aka ƙirƙira a baya
- Sake haɗawa da rukunin yanar gizon da aka yi amfani da shi don ƙarewa ta amfani da FranceConnect+, sannan La Poste Digital Identity
Ko da kuwa zaɓin da aka yi amfani da shi (Takaddun lantarki ko La Poste Digital Identity), yanzu kuna da ikon sanya hannu kan dakatar da ayyukan ƙwararrun ku.
- Sa hannu kan ƙarewar
- Duba akwatin da ke bayyana kawai tare da La Poste Digital Identity
- Danna Alamar
- Jira mako 1
- Za ku karɓi ta hanyar wasiƙar KBIS da ke ambaton rushewar
- Yi rijistar kamfanin ta hanyar aiwatar da ƙarewa na biyu, amma wannan lokacin tare da ƙarshen rushewa da gogewa.
- Bayyana sakamakon kamfani akan layi
Yi amfani da wannan gidan yanar gizon don ba da rahoton sakamakon kamfani:
Ƙananan Rangwame
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00:00Idan babu abin da za ku bayyana, duba akwatin "Babu" a saman kowane nau'i. Babu wannan akwatin akan sigar ƙarshe. Kada ku bar kowane sharhi don guje wa rushe gidan yanar gizon ku na dawo da haraji.
- Cika fam ɗin don neman takardar shaidar biyan haraji (DGFIP)
Yi amfani da wannan fom don neman takardar shaidar biyan haraji (DGFIP):
Ƙananan Rangwame
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00:00- Nemi takardar shaidar biyan haraji (DGFIP)
Yi amfani da wannan gidan yanar gizon don neman takardar shaidar biyan haraji (DGFIP):
Ƙananan Rangwame
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00:00- Loda takardar shaidar biyan haraji (DGFIP)
Misalin takardar shaidar biyan haraji (DGFIP):
Ƙananan Rangwame
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00:00- Nemi takardar shedar daidaiton zamantakewa (URSSAF)
Yanar Gizo don neman takaddun shaida na daidaiton zamantakewa (Idan ba ku da asusun URSSAF):
- Loda takardar shaidar tabbatar da zaman jama'a (URSSAF)
Misalin takardar shedar tabbatar da zaman lafiya (URSSAF):
- Biyan kuɗin soke rajista (20 EUR)
- Jira don karɓar KBIS da ke ambaton soke rijistar kamfanin
- An soke kamfanin ku bisa hukuma
Yanzu kun san yadda ake ƙirƙira da rufe kamfani a cikin Jamhuriyyar Socialist ta Faransa.
URSSAF
A cikin Jamhuriyyar Socialist ta Faransa, akwai wata ƙungiya mai suna URSSAF (Union de Recouvrement des cotisations de Sécurité Sociale et d'Allocations Familiales), da alhakin kwace kuɗin da kuke samu a matsayin dan kasuwa.
Ba da daɗewa ba an halicci EURL ɗin ku, ba tare da ko da sayar da wani abu ba tukuna, fiye da mai karɓar haraji na Bolshevik URSSAF, wanda ba ku taɓa shiga kwangila tare da shi ba, zai kafa ma'auni a gare ku, wanda ba a kan kowane dalili na gaskiya ba, kuma ya yanke shawara daga wannan interstellar maras kyau don saka ku cikin bashi.
Idan ba a biya ba ko kuma a makara wajen biyan wannan bashi na ƙirƙira, wanda ba ku taɓa ci ba, URSSAF za ta sanya farfadowar ta a hannun ƙwararrun Kwamishinan Kotu. Wannan mutumin yana da ikon doka don fitar da harajin da za a iya aiwatarwa. Ana yin hakan ba tare da wata shari'ar adawa ba. Ta hanyar da ake kira garnishment, zai ɗauki nauyin kwashe asusun manajan.
Wannan kamawa ya shafi duk kuɗin da ake ciki da na gaba, har sai an biya shi cikakke. Kame yana ɗaukar fifiko akan duk sauran ma'amalolin ku. Bankin ku, a nasa bangaren, yana da hakki bisa doka don yin aiki da rubutun aiwatarwa. Don haka ba ku da wani zaɓi illa biyan umarnin da aka yi muku.
Matsakaicin lokacin kamawa shine kwanaki 15 zuwa 30, amma ana iya sabunta shi har abada, musamman ta hanyar amfani da ofisoshin kwamishinan shari'a da yawa. A aikace, wannan kama, ko da yake yana da tsada ga ƙungiyar tarawa (dole ne ta biya kwamishinan shari'a), zai iya zama na har abada.
Wannan yana nufin asusun ku na sirri ba shi da lahani. Hakanan yana nufin baku mallaki waɗannan asusun ba, kamar yadda kowa zai iya shiga cikin su a fili.
Duk wani kalubale ga wadannan ayyuka dole ne a gabatar da shi ga kwamishinan kotun a rana guda, kuma ga kotu a cikin wata guda. Wannan takaitaccen wa’adin da aka kayyade ya sanya a zahiri ba zai yuwu ga wanda aka yi wa wadannan baragurbi a jihar ba, musamman ga dan kasuwa da ya shagaltu da gudanar da kasuwancinsa, ya kalubalanci su.
Duk da haka, Kotun Cassation ta tabbatar da cewa kwato da URSSAF (Ex- RSI) ta fara yi sun kasance na ƙwararru. Don haka, ta dalilin Ƙimar Ƙimar Kamfanoni ("RL" a cikin EURL), waɗannan raguwar da aka yi a cikin ƙwararrun ƙwararrun kamfani ba za a iya rikita batun tare da asusun sirri na mutum na halitta ba, koda kuwa sun kasance manajan kamfani na kamfanin.
Les dettes professionnelles s’entendent des dettes nées pour les besoins ou au titre d’une activité professionnelle Ana fahimtar basusukan ƙwararru suna nufin basussukan da aka ciro don dalilai ko dangane da aikin ƙwararru.Zazzage wannan shari'ar:
Ƙananan Rangwame
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00:00La dette de cotisations et contributions destinées à assurer la couverture personnelle sociale d’un gérant majoritaire de SARL et dont le recouvrement est poursuivi par l’URSSAF est de nature professionnelle, de sorte qu’elle échappe en tant que telle à l’effacement consécutif à la procédure de rétablissement personnel Bashin gudummawa da biyan kuɗi da aka yi niyya don tabbatar da murfin tsaro na zaman jama'a na yawancin manajan SARL da dawo da shi wanda URSSAF ke binsa na ƙwararru ne, ta yadda hakan ya kubuta daga sokewa ta hanyar hanyar dawo da mutum.Zazzage wannan shari'ar:
Ƙananan Rangwame
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00:00les cotisations sociales qui lui sont réclamées constituent des dettes professionnelles dont le recouvrement ne peut être poursuivi à l’encontre du gérant majoritaire d’une SARL en liquidation judiciaire et qui devaient être déclarées par la caisse RSI au passif de la liquidation judiciaire de la société gudunmawar tsaro na zamantakewar da ake da'awa daga gare shi ya zama basussuka na sana'a, wanda ba za a iya biyan su ba a kan yawancin manajan SARL a cikin ruwa kuma wanda asusun RSI ya kamata ya bayyana a matsayin alhakin rushewar kamfanin.Sai dai wasu kotuna da ke aiki tare da URSSAF, suna yin watsi da wannan hukunci, suna kuma biyan bukatunta masu yawa, wato ba ta kai tsaye shiga asusun shugabannin kamfanoni, domin ta huda hancin cikin farin ciki.
cet avis ne vise nullement l’hypothèse de la liquidation judiciaire d’une société et la prise en compte ou non au passif de cette société en liquidation, des cotisations sociales de son gérantWannan sanarwar ba ta kowace hanya ta magance hasashe na rushewar shari'a na kamfani da haɗawa ko a'a na gudummawar tsaro na manajan sa a cikin lamunin wannan kamfani a cikin ruwa.l’affiliation obligatoire ne concerne que la personne même du gérant et non pas la société. La créance du RSI est donc dette personnelle de l’assuré dont il est redevable en son nom propre et non une dette dont est redevable la société Haɗin kai na dole ne kawai ya shafi manajan da kansa ba kamfanin ba. Don haka da'awar RSIbashi ne na sirri na mai inshorar wanda yake da alhakinsa da sunan kansa ba bashin da kamfani ke da alhakinsa ba.Kamar yadda kuke gani, a jamhuriyar gurguzu ta Faransa, manajan kamfani ba komai bane illa saniya tsabar kudi ga jihar. Shanu, kuma babu wani abu.
Dole ne ku fahimci cewa tsananin rarrabuwar kawuna tsakanin ƙungiyoyin doka da ƴan halitta, a wasu kalmomi, Lamunin Iyakantacce, ba wani abu bane na ƙirƙirar kasuwanci. Ba za a iya ƙirƙirar ƙima ba, a cikin kwanciyar hankali da kwanciyar hankali, ba tare da wannan ingantaccen kariya ba. Ana samun hanyoyin da ke tabbatar da wannan kariyar a wasu yankuna. Tabbas za mu dawo kan hakan nan gaba a cikin wannan horon.
A halin yanzu, ku sani cewa ikon kwamishinonin shari'a na kwace asusun ku na da wasu gazawa. Bari mu gano tare yadda ake ɗaukar tasirin kayan ado, ta hanyar SBI.
SBI
SBI (Solde Bancaire Insaisissable) shine adadin kuɗin da aka tanada a cikin asusu. Ba za a iya kama wannan ajiyar ba. A cikin Jamhuriyar gurguzu ta Faransa, adadin shari'a, kamar yadda Jiha ta ayyana, shine 635 EUR.
SBI kuma ta sa wasu fa'idodin zamantakewa ba su da amfani. Yi hankali, duk da haka, saboda irin waɗannan fa'idodin na iya canza yadda ake ƙididdige SBI.
Zazzage na'urar kwaikwayo ta SBI :
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00:00An bayyana SBI a matsayin tushen asusun kowane banki. Wannan yana nufin cewa idan kuna da asusun banki da yawa, kuma kun kasance ƙasa da ƙimar 646 EUR a cikin kowane asusun, duk asusunku za a keɓe daga kamawa. Don haka, idan kuna da asusun 10 a 646 EUR, kuna da 10 x 646 EUR = 6 460 EUR keɓe daga kamawa.
Don haka, buɗe asusun banki da yawa.
Asusun banki da yawa
Kada ka taɓa sanya duk ƙwai a cikin kwando ɗaya koyaswar da ke ba da tabbacin yancin kai na kuɗi.
Babban fa'idar samun asusun banki da yawa shine yana tabbatar da juriyar aiki, don haka idan hanyar biyan kuɗi ɗaya ta gaza, sauran za su ci gaba da aiki. Ana amfani da wannan dabarar sake sakewa don sabobin kwamfuta don tabbatar da ci gaba da ingancin sabis. Ya kamata ku yi la'akari da wannan ƙirar gine-gine don tabbatar da samun dama ga kuɗin ku mara iyaka.
Don kammala dabarun haɓaka bankin ku, ban da bankunan gargajiya, zaku iya zaɓar bankunan neobank. Waɗannan EMI (Electronic Money Institution) suna da lasisin banki. Ka tuna cewa EMIs an yi nufin ƙananan kuɗi ne kuma na ɗan gajeren lokaci.
Don yin rijista akan layi, kawai kuna buƙatar samun waɗannan abubuwa a hannunku:
- 1 Wayar hannu
- 1 Selfie (Hoto)
- 1 yanki na ganewa, zaɓinku:
- Katin shaidar kasa
- Fasfo
- 1 Tabbacin adireshin, zaɓinku:
- Lissafin wutar lantarki
- Lissafin Intanet
- Lissafin waya
- Rasidin haya
- Sanarwa harajin shiga
- Sanarwa harajin dukiya
Da zarar an yi rajista, za ku iya yin odar katin banki mai kama-da-wane, wanda za a iya amfani da shi nan take, da kuma katin banki na zahiri, wanda za ku karɓa a gida cikin ƴan kwanaki.
Don bambanta cibiyoyin bankin ku, zaku iya, alal misali, amfani da waɗannan cibiyoyin:
Singapore (SG)
50 USD account
maimakon 250 USD
(Rangwame: -80%)
Ƙananan Rangwame
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00:00Belgium (BE)
Asusun kyauta
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00:00Jamus (DE)
Asusun kyauta
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00:00Luxembourg (LU)
Asusun kyauta
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00:00Faransa (FR)
Asusun kyauta
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00:00Jamus (DE)
30 EUR tayi
Asusun kyauta
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00:00Faransa (FR)
80 EUR tayin
shekara 1 kyauta
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00:00Faransa (FR)
150 EUR tayi
Asusun kyauta
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00:00Faransa (FR)
160 EUR aka bayar
shekara 1 kyauta
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00:00Faransa (FR)
220 EUR tayi
watanni 6 kyauta
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00:00Alamar
Nau'in Alamar
Fara kasuwancin ku abu ɗaya ne. Kare alamun kasuwancin ku wani ne. Mutumin da ke kare alamar kasuwanci yana da cikakken iko akansa. Za su iya kwace gidajen yanar gizo waɗanda URL ɗinsu ke ɗauke da sunan alama. Ana iya tuhumar mai gidan da laifin lalatar alamar kasuwanci kuma a tilasta masa barin URL. Wannan misalin yana nuna muku mahimmancin kare alamun kasuwancin ku.
Akwai nau'ikan iri daban-daban:
- Magana: Take, Jumla, Slogan
- Misali: Zane, Logo
- Launi: Launi hade
- Sauti: Jingle
- Siffar: Zane
- Hologram: Hoto, Hoto na Hoto
- Matsayi: Jujjuya ko yanke hoto
- Tsarin: Maimaita hoto
- Motsi: Jeri cikin lokaci
- Bidiyo: Bidiyo ba tare da sauti ba
- Multimedia: Bidiyo mai sauti
Alamar kasuwanci kuma tana iya zama haɗin duk waɗannan abubuwan, amma yana da kyau a yi rajistar waɗannan abubuwan daban. Wannan yana ba ku damar amfani da abubuwan da aka yi rajista azaman abubuwan haɗin gwiwa - wato, azaman tubalan ginin granular waɗanda zaku iya amfani da su don ƙirƙirar wasu alamun kasuwanci. Haɗin ɓangaren alamar kasuwanci na iya zama kayan aiki mai ƙarfi don mamaye kasuwar ku.
Mafi ƙarancin kariya shine yin rijistar alamar kalma akan kalma mafi mahimmanci a cikin haɗa kalmar ku. Kalmomi gama gari ba za a iya yin rijista ba. Dole ne alamar kasuwanci mai rijista ta sami halaye na musamman a cikin yankin rajista. Misali, idan ana kiran kamfani ko samfurin ku BLUERSKY HOLDING GROUP, yi rijistar alamar kasuwanci ta BLUERSKY azaman alamar kalma. Wannan zai ba ku mafi faɗin abin da zai yiwu.
Kuna buƙatar rarraba alamar kasuwancin ku don iyakance ta zuwa wasu takamaiman sassa. Jerin sassan da ake da su shine ƙayyadaddun sunayen duniya da ake kira Nice Classification.
Zazzage Rarraba Nice (shafukan 447):
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00:00Zaɓi azuzuwan 3 zuwa 4 waɗanda mafi kyawun wakiltar alamar kasuwancin ku (misali, 35, 36, 42, 45). A cikin waɗannan azuzuwan, kuna buƙatar zaɓar nau'i-nau'i (35: shawarwarin kula da kasuwanci da sabis na ba da shawara, 36: shawarwarin kuɗi, 42: shawarwarin fasahar watsa labarai, shawarwari da sabis na bayanai, 45: Shawarar doka). Yana da mahimmanci cewa waɗannan ƙananan azuzuwan sun dace da kasuwancin ku kuma suna da ban sha'awa sosai. Wannan yana ba ku damar tabbatar da iyakar kariya.
Rijista alamar kasuwanci a cikin mallakin ku kaɗai takobi ne mai kaifi biyu. Yin rijistar alamar kasuwanci na iya bayyana sunanka, adireshinka, adireshin imel, da lambar waya. Kuna iya amfani da kamfani na ketare don tabbatar da kwanciyar hankalin ku. Koyaya, idan kun yi haka, kuna haɗarin samun bayyana mahimman bayanai game da wannan kamfani. Hakanan za ku haifar da ƙarin farashi idan an ƙalubalanci alamar kasuwancin ku. Lallai, kamfanoni ne kawai da ke tushen yankin da aka ƙalubalanci an keɓe su daga wakilcin doka a cikin shari'ar warware takaddamar alamar kasuwanci. Tare da kamfani na ketare, za ku biya kuɗin lauyoyi a duk lokacin da wani ya ƙalubalanci alamar kasuwancin ku.
Hakanan zaka iya yanke shawarar kin yin rijistar alamar kasuwanci. Wannan don guje wa ƙarin nauyin tunani na kare alamar ku a duk lokacin da aka ƙalubalanci shi. Koyaya, zaku yi haɗarin rasa keɓancewa akan sunan samfurin ku, kuma mafi muni har yanzu, ana samun ku da laifin parasitism alamar kasuwanci. Dangane da tattalin arziki, yana iya zama mafi kyau a buga wasan rajista da kare alamar kasuwancin ku.
Rijista alamar kasuwanci da sunanka kyakkyawan mafari ne. Yana ba ku damar yin aiki mai kyau matakin sarrafawa a ƙananan farashi. Hakanan yana ba ku damar hayar alamar kasuwanci ga kamfanoni (ciki har da waɗanda kuke sarrafawa) don riba ta sirri.
Alamar Faransa
Don yin rijistar alamar kasuwanci ta Faransa, je zuwa wannan rukunin yanar gizon:
Ƙananan Rangwame
Ƙarshe
00:00Daga can, ƙirƙirar asusun. Yi rijista alamar kasuwancin ku, aƙalla alamar kalma.
Farashin sun kusan kamar haka:
- 200 EUR don aji na farko
- 50 EUR ga kowane ƙarin aji
Alamomin kasuwanci da aka yiwa rajista a cikin Jamhuriyar gurguzu ta Faransa suna amfana daga fifiko lokacin ƙaddamar da su zuwa matakin Turai. Wannan ita ce keɓantacciyar ikon Jamhuriyar gurguzu ta Faransa. Idan kuna son yin rijistar alamar kasuwanci ta Turai, saboda haka ana ba da shawarar yin rijistar alamar kasuwanci ta Faransa tukuna. Ba wai kawai yankin da aka rufe zai zama ƙarami ba, wanda ke nufin ƙananan ƙalubale daga kamfanoni na ɓangare na uku a lokacin aikin ƙirƙira, amma wannan kuma yana ba ku fifiko daga baya, idan akwai kalubale a matakin Turai.
Alamar Turai
Don yin rijistar alamar kasuwanci ta Turai, je zuwa wannan rukunin yanar gizon:
Ƙananan Rangwame
Ƙarshe
00:00Daga can, ƙirƙirar asusun. Yi rijista alamar kasuwancin ku, aƙalla alamar kalma.
Saboda yankin da aka rufe ya fi girma, alamar kasuwancin ku na iya fuskantar ƙalubale da wani yanki lokacin da aka shigar da shi. Idan haka ne, za a sanar da kai ƙara. Abokin hamayyarku ya zaɓi yaren shari'ar. An ƙayyadadden wannan harshe na tsawon lokacin warware takaddama.
Bincika alamar kasuwancin abokin adawar ku. Ziyarci gidan yanar gizon su. Lura duk wani muhimmin bambance-bambance tsakanin alamun kasuwancin ku, azuzuwan rajista, samfura, tushen abokin ciniki, da kundin da aka magance. A takaice, duk wani abu da zai iya rikitar da alamun kasuwancin ku a cikin tunanin abokin ciniki. Idan alamun kasuwancin ku sun bambanta sosai, to kuna da fa'ida.
Da zarar an shigar da ƙarar, abokin hamayyar ku yana da watanni biyu don gabatar da taƙaitaccen bayanin goyon bayan korafin nasu. Nauyin hujja yana kan su. Bayan yin rajista, kuna da watanni biyu don ba da amsa ta goyan bayan shawarar ku. Idan abokin hamayyar ku ya kasa yin taƙaitaccen bayani, za a janye ƙarar. Koyaya, kar a jira har sai kun gano wannan fayil ɗin ko rashin yin rajista don shirya kariyarku.
Zazzage babban jagora don kare Alamar kasuwancin ku ta Turai (shafukan 1 718):
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00:00Zazzage jagorar don ƙaddamar da shaida don kare Alamar kasuwancin ku ta Turai (shafukan 14):
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00:00Zazzage jagorar zuwa dalilan ƙi don kare Alamar kasuwancin ku ta Turai (shafukan 16):
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00:00Zazzage jagorar zuwa ma'auni don bayyana ƙira don kare Alamar kasuwancin ku ta Turai (shafukan 47):
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00:00Zazzage jagorar don tsara shaida don kare Alamar kasuwancin ku ta Turai (shafukan 54):
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00:00Lokacin da aka danna ku don lokaci kuma dole ne ku shigar da bayanai masu yawa kafin ma samun damar rubuta layi ɗaya na taƙaitaccen tsaro, aikin na iya zama kamar ba zai yiwu ba. Kuma duk da haka, sau da yawa ya zama dole mugu, saboda idan an ƙalubalanci alamar kasuwancin ku, za ku iya rasa kariya har zuwa shekaru 10.
Da zarar an yi rajistar alamun kasuwancin ku, bari mu sanya ra'ayoyin aiki da kayan fasaha cikin hangen nesa.
Babi na 9Biyan kuɗi
Subordination
Ana sarrafa aiki sosai kuma ana biyan haraji. Koyi yadda ake guje masa ta waɗannan ƴan misalan.
Samar da mutum
Une société française A conclut un contrat (…) qui prévoit la mise à disposition d'une personne. (…) La société française A accepte, en toute connaissance de cause, les factures de complaisance (…) l’administration analyse le lieu de réalisation et la nature de la prestation, le mode de règlement et son bénéficiaire. Kamfanin Faransa A ya ƙaddamar da kwangila (...) wanda ke ba da damar samar da mutum. (…) Kamfanin Faransa A da sane yana karɓar daftarin dacewa (…) gudanarwar tana nazarin wurin aiki da yanayin sabis, hanyar biyan kuɗi da masu cin gajiyar sa.Zazzage wannan shari'ar:
Ƙananan Rangwame
Ƙarshe
00:00Idan yanayin sabis ɗin shine "samar da mutum," gwamnati na iya bincikar wanzuwar kwangilar aiki. Wannan gaskiya ne musamman idan hanyar biyan kuɗi ne daftari kuma ana yin sabis ɗin a cikin gida. A wannan yanayin, dokar aiki na gida na iya amfani da ita, wanda wataƙila za ku fi son guje wa.
Subordination dindindin
Bari mu ga yadda gwamnati za ta iya tabbatar da kasancewar kwangilar aiki:
« L'existence d'un contrat de travail peut toutefois être établie lorsque les personnes (…) fournissent (…) des prestations à un donneur d'ordre dans des conditions qui les placent dans un lien de subordination juridique permanente à l'égard de celui-ci. » "Kasancewar kwangilar aiki na iya kasancewa, duk da haka, za a iya kafawa lokacin da mutane (...) ke ba da sabis na (...) ga babba a ƙarƙashin sharuɗɗan da ke sanya su cikin dangantaka na dindindin na shari'a ga na ƙarshe."Zazzage wannan rubutun dokar:
Ƙananan Rangwame
Ƙarshe
00:00Kasancewar haɗin kai yana nuna kasancewar kwangilar aiki, ko an rubuta ko a'a. Wato idan mutum na 1 ya yi biyayya ga mutum na biyu a kan dindindin, to mutum na 1 shine ma'aikaci (maƙasudin) kuma mutum na 2 shine shugaba (principal). Za'a iya kafa kwangilar aiki tacit. Idan aikin yana faruwa a cikin gida, to ana iya sake fasalin kwangilar aikin a matsayin kwangilar aikin gida. Za a yi amfani da harajin gida.
Rashin zama na dindindin
Sabanin haka, idan maƙasudin ba ya nan, ko na ɗan lokaci:
Attendu que la cour d'appel a constaté qu'aucune prestation de travail n'avait été accomplie par M. X... pendant la période antérieure à la conclusion du contrat de travail et qu'il s'était rendu aux sessions de formation de manière volontaire et en toute liberté, sans être soumis à aucune directive particulière ; qu'elle a pu en déduire qu'aucun contrat de travail n'avait été conclu entre les parties pendant cette périodeYayin da Kotun Daukaka Kara ta gano cewa babu wani aiki da Mista X. ya yi a tsawon lokacin da aka kammala kwangilar aikin kuma ya halarci zaman horon bisa radin kansa da yardar rai, ba tare da bin wani umarni na musamman ba; an iya zartas da hakan cewa ba a kulla kwantiragin aikin yi tsakanin bangarorin ba a wannan lokacinZazzage wannan shari'ar:
Ƙananan Rangwame
Ƙarshe
00:00Tsawon lokacin da ƙarƙashin ƙasa ba ya nan, ko na ɗan lokaci, ba ya zama kwangilar aiki.
Daftarin adadin kwanakin aiki ya ƙunshi sabis na aiki, watau samar da mutum, mai yuwuwa ya nuna tsawon lokacinsa na dindindin na dindindin, wanda ke da haɗarin sake sanya shi a matsayin kwangilar aiki.
Kasance mai aikin sa kai.
Ka guji yin caji don kwanakin aiki.
Farashin rufi
Lokacin yin daftari, musamman ga wani waje, ƙila a jarabce ku don ƙara farashin. Koyaya, gwamnati ta shirya daidaita farashin kayayyakin. Yana da takaddun ƙididdiga don wannan dalili, wanda aka samo daga tarin bayanan sa, wanda ke jera iyakokin da aka ba ku izinin aiki.
Lorsque la méthode de détermination des prix (...) s'écarte de celle prévue (...) l'écart constaté (...) est réputé constituer un bénéficeLokacin da hanyar ƙayyade farashin (...) ta ɓace daga abin da aka tanada don (...) bambancin da aka lura (...) ana zaton ya zama riba.A wasu kalmomi, idan farashin ku bai yi daidai da waɗanda aka saba yi a sashin ayyukanku ba, kuna fuskantar haɗarin a saka ku haraji.
Zazzage wannan rubutun dokar:
Ƙananan Rangwame
Ƙarshe
00:00Sarrafa farashi shine shinge ga ƙirƙira da gasa. Kuna buƙatar nemo hanyar da za ku bambanta kanku.
HTVI
Bari mu yi tunanin na ɗan lokaci cewa samfuran ku sun bambanta da cewa yana da wahala a tantance farashin su. Wannan zai iya ba ku madaidaicin doka mai ban sha'awa. Irin wannan shi ne yanayin HTVI (Hard To Value Intangibles).
Un marqueur spécifique concernant les prix de transfert (...) prévoit le transfert d'actifs incorporels difficiles à évaluer (...) pas d'éléments de comparaison fiables (...) hautement incertaines (...) transfert transfrontière de fonctions et/ ou de risques et/ ou d'actifs Wani ƙayyadadden alamar game da farashin canja wuri (...) yana ba da damar canja wurin kadarorin da ba a iya gani ba waɗanda ke da wuyar ƙima (...) babu ingantattun kwatancen (...) wanda ba shi da tabbas (...) Canja wurin ƙetare na ayyuka da / ko haɗari da / ko dukiyaZazzage wannan rubutun dokar:
Ƙananan Rangwame
Ƙarshe
00:00A matsayin ban da ƙayyadaddun ƙayyadaddun ƙayyadaddun ƙayyadaddun ƙayyadaddun ƙayyadaddun ƙayyadaddun ƙayyadaddun ƙayyadaddun lokaci, akwai ƙarin lokacin da jihar za ta iya sarrafa HTVI.
le droit de reprise s'exerce jusqu'à la fin de (...)ana amfani da hakkin farfadowa har zuwa karshen (...)Zazzage wannan rubutun dokar:
Ƙananan Rangwame
Ƙarshe
00:00Yana yiwuwa a guje wa sarrafa HTVI
La valeur d'un actif ou d'un droit incorporel transféré (...) rectifiée sur la base de résultats postérieurs à l'exercice (...) Cette rectification n'est pas applicable lorsque (...)Ƙimar wani kadara ko wani haƙƙin da ba a iya gani ba da aka canjawa wuri (...) wanda aka gyara bisa ga sakamakon bayan shekarar kuɗi (...) Wannan gyaran ba ya aiki lokacin da (...)Zazzage wannan rubutun dokar:
Ƙananan Rangwame
Ƙarshe
00:00Yi cajin lasisi don yin amfani da kayan aikin ku:
- Samuwar
- Tushen ilimi
- Database
- Software
- Haƙƙin mallaka
- Haƙƙin mallaka
- Halayen haƙƙin mallaka
- Alamar
Yi lissafin abokin cinikin ku na kwanaki masu yawa, wanda aka ninka ta farashin naúrar lasisi don sarrafa alamar da kuka mallaka.
| Abu | Farashin raka'a | Yawan | Jimlar |
| Amfani da Lasisi Marque ABC | 100 EUR | 31 | 3 100 EUR |
Da kyau, maimakon cajin kuɗi, ya kamata ku yi amfani da yarjejeniyar lamuni. Ba a keɓance lamuni daga VAT. Duk da haka, ba amfanin gwamnati ba ne a keɓe ku daga VAT. Shi ya sa gwamnati ta sanya takunkumi kan lamuni (bayani, lamba, kaso, tsawon lokaci). An tsara waɗannan iyakokin don iyakance kerawa da hana ku cikakken amfani da su. Za mu magance waɗannan batutuwa daga baya a cikin sashin da aka keɓe ga kamfanonin ketare.
Babi na 10Rashin aikin yi
Tarin Rashin Aiki da Kasuwanci
Yana yiwuwa, bisa doka, a haɗa fa'idodin rashin aikin yi da ribar da kasuwanci ke samu. Kasuwancin ku wani abu ne na doka. Yana da keɓantaccen wanzuwar doka daga matsayin ku ɗaya. Watau, lokacin da kasuwancin ku ya karɓi kuɗi, ba a danganta shi da ku ba. Matukar ba ku yi wani rabo ba, kuɗin ya kasance a cikin sunan kamfani. Yana taruwa akan lokaci, kamar ajiyar ajiya ko ajiyar ajiya.
Ta fuskar kamfanin ku, ku duka masu hannun jari ne ba tare da rarrabawa ba kuma manajan sa kai ne. A matsayinka na mai aikin sa kai, ba ka samun diyya. Don haka kun cancanci fa'idodin gwamnati, kamar fa'idodin rashin aikin yi ko mafi ƙarancin kuɗin shiga.
Don haɗa fa'idodin rashin aikin yi tare da kamfanin ku, dole ne a sallame ku. Bari mu ga yadda za a yi wannan.
Korar da sauri
Lura cewa a cikin Jamhuriyar gurguzu ta Faransa, rashin zuwa ana ɗaukarsa a matsayin murabus, wanda baya ba ku damar biyan diyya. Abin da kuke nema shine korar, ko asarar aiki wanda mai aiki ya fara. Da fatan za a lura cewa duk korar da aka yi, ko da saboda mummunan ɗabi'a, yana ba ku damar biyan diyya.
Bugu da ƙari, babu wani abu kamar fayil ɗin ma'aikaci, ko kowane nau'in baƙar fata na miyagun ma'aikata da aka raba tsakanin kamfanoni. Wannan tatsuniya ce da HR ke yadawa don tsoratar da ma'aikata. Irin wannan fayil ɗin zai zama ba bisa ƙa'ida ba a ƙarƙashin CNIL (Hukumar Kariyar Bayanai ta Faransa), GDPR, da haƙƙin mantawa. Don haka kuna iya bin duk wata hanya da kuke ganin ta dace don korar kanku. Koyaushe ba da fifikon tattaunawa da farko. Koyaya, idan hakan bai yi aiki ba, muna da wasu shawarwari a gare ku.
Yi amfani da ɗaya daga cikin waɗannan dabaru don samun korar sarai:
- Yi fitsari akan teburin maigidan ku
- Kauda kai a fili
- Sa hannu a kan laifuffukan ku, ba tare da wani nadama ba
- A fili suka soki Shugaba
- Samun warin jiki mara kyau (gumi, warin baki)
- Yi surutu, fart, fashe, kunna kiɗa mai ƙarfi
- Ka kasance mara kunya, baƙar fata, mara kyau (ba a mutunta lambar sutura)
- Yi bayyanannen canjin jinsi, tare da wig da sauran kayan abinci
- Ku zo cikin kayan yau da kullun: Shorts, flops, pajamas
- Cire tufafinku a gaban abokan aikinku
- Yi maye (da ƙari idan kuna so)
- Yi maganganun da ba za a yarda da su ba ko abin zargi
- Bacin rai ko magana mara tsayawa ga abokan aikin ku
- Ku yi magana da raini, ku yi girman kai
- Yi tsokaci mara kyau akan kamannun abokan aikinku ko sutura
- Zuba abubuwan sha da abinci a ƙasa ko a kan abokan aikin ku
- Tura, matsawa, taɓa abokan aikin ku (tunanin jiki)
- girgiza hannu tare da abokan aikin ku da hannaye masu kiba ko gumi.
- Koyaushe ku ziyarci gidan wankan kishiyar.
- Tabbatar da bukatun ku na siyasa
- Yi addu'a a fili
- Kawo na waje (abokai, ma'aurata, yara)
- Ku yi barkwanci da ba su da ma'ana, sai ku yi dariya sosai.
- Aika saƙon datti (tare da bayyanannun hotuna) akai-akai
- CC duk kamfanin
Hankalin kirkire-kirkire zai yi amfani da hadewar wadannan hanyoyi daban-daban don kara girman damar samun nasara. Kada ku yi shakka don ƙara taɓawar ku. Manufar ita ce ta sa ku zama masu dangantaka, ta yadda kawai mafita ga kamfanin da ke ɗaukar ku shine ya kore ku. Tsakanin ku da ƙungiyar, kamfanin koyaushe zai zaɓi ƙungiyar. Kasance abin dogaro. Kunna wanda aka azabtar. Ku yi kururuwa game da zalunci. Babu wanda ya isa ya zargi shirin ku. Ka tuna, sakamakon kawai yana da mahimmanci. Kuɗin ku ne, an sace muku, kuma yanzu dole ne ku dawo da su. Ka ƙaddara. Nuna tsarin wanene ainihin shugaba.
Tsarin Korar
A cikin Jamhuriya Socialist ta Faransa, mai aikin ku, wanda ya fusata da halayenku, ya sanar da ku korar ku. Za su sanar da ku ta hanyar wasiku mai rijista ko imel, wanda ake ɗaukar saƙon rajista. Za su aiko muku da sasantawar ku ta ƙarshe, da kuma bayanan mai aiki na Faransa Travail.
Zazzage samfurin ƙarshen takaddun kwangila:
Ƙananan Rangwame
Ƙarshe
00:00Mai aiki naku na iya tilasta dokar da ba ta gasa ba don hana ku sake yin aiki, koda a matsayin mai zaman kansa. Koyaya, irin wannan juzu'in dole ne ya cika wasu sharuɗɗa don ya zama mai inganci.
une clause de non-concurrence n'est licite que si elle est indispensable à la protection des intérêts légitimes de l'entreprise, limitée dans le temps et dans l'espace, qu'elle tient compte des spécificités de l'emploi du salarié et comporte l'obligation pour l'employeur de verser au salarié une contrepartie financière, ces conditions étant cumulativesMaganar da ba ta yin gasa ba ta halalta ne kawai idan yana da mahimmancin kariya ga halaltattun muradun kamfani, iyakacin lokaci da sarari, yin la’akari da ƙayyadaddun aikin ma’aikaci kuma ya haɗa da wajibci ga ma’aikaci ya biya diyya na kuɗi ma’aikaci, waɗannan sharuɗɗan suna tarawa.Dole ne a iyakance juzu'in da ba a gasa ba a cikin yanki, yanki da na ɗan lokaci, kuma a biya shi. In ba haka ba, ana ganin ba a rubuta ba kuma yana da alhakin zama banza.
A matsayin hana 'yanci, batun rashin gasa yana aiki ne kawai idan mutumin da aka ɗora wa kansa ya amince da na biyun.
l'employeur ne peut valablement opposer au salarié les stipulations d'un contrat de travail que le salarié n'a pas signé et dont il n'établit pas qu'il les aurait expressément acceptéesma'aikaci ba zai iya yin adawa da ma'aikaci daidai da sharuɗɗan kwangilar aikin da ma'aikacin bai sanya hannu ba kuma bai tabbatar da cewa ya yarda da shi ba.Zazzage dokar shari'ar akan batun rashin gasa da ke buƙatar karɓuwarsa daga ma'aikaci:
Ƙananan Rangwame
Ƙarshe
00:00Dole ne a biya kuɗin da ba a gasa ba a ƙimar sa mai kyau, kuma bayan kwangilar.
une clause de non-concurrence (...) comporte l'obligation pour l'employeur de verser au salarié une contrepartie financièreMaganar da ba ta gasa ba (...) ta haɗa da wajibcin mai aiki don biyan diyya na kuɗi ma'aikaciZazzage dokar shari'ar kan batun rashin gasa da ke buƙatar biyan kuɗi:
Ƙananan Rangwame
Ƙarshe
00:00une contrepartie financière dérisoire à la clause de non-concurrence contenue dans un contrat de travail équivaut à une absence de contrepartiediyya na kuɗi na ba'a ga batun rashin gasa da ke cikin kwangilar aiki yana daidai da rashin ramuwa.Zazzage dokar shari'ar kan batun rashin gasa da ke buƙatar diyya ta kuɗi ta gaskiya:
Ƙananan Rangwame
Ƙarshe
00:00une clause de non-concurrence (...) son montant ne peut dépendre uniquement de la durée d'exécution du contrat ni son paiement intervenir avant la rupture
Zazzage dokar shari'ar kan batun rashin gasa da ke buƙatar biyan diyya na kuɗi na gaba:
Ƙananan Rangwame
Ƙarshe
00:00A wasu kalmomi, yana da sauƙi mai sauƙi don samun juzu'i marar gasa. Karka bari mai aikinka ya baka tsoro.
Yi amfani da takaddun da mai aikin ku ya ba ku don yin rajista tare da France Travail. Kuna da damar samun fa'idodi na watanni 12. Lura cewa tsayin gudummawar ku ba shi da wani tasiri akan wannan lokacin. Ko kun ba da gudummawar shekaru 3, 10, ko 20, wannan baya shafar tsawon fa'idodin ku. Ma’ana, idan ba ku dawo da kudaden da aka kwace daga hannunku ba, gwamnati za ta rike su har abada. Ba za ku taɓa samun damar dawo da shi ba.
Bincika yanayin cancantar ku don fa'idodin rashin aikin yi, don haka haƙƙin ku don karɓar waɗannan fa'idodin, an ƙayyade ta hanyar rubutu na tsari.
Ont droit à l'allocation d'aide au retour à l'emploi les salariés dont la perte d'emploi est involontaire. Remplissent cette condition les salariés dont la perte d'emploi résulte (...) Ma'aikatan da asarar aikinsu ba na son rai ba ne suna da haƙƙin tallafin komawa-aiki. Wannan yanayin yana fuskantar ma'aikata waɗanda asarar aikinsu ya haifar daga (...)Karanta Dokokin Inshorar Rashin Aikin Yi:
Ƙananan Rangwame
Ƙarshe
00:00Don dawo da diyya, dole ne ku bi ta sosai. A yayin da aka samu sabani da hukumar ku, abu na farko da za ku yi shi ne a kara ruruta wutar rikicin zuwa ga daraktan hukumar ta hanyar wasiku mai rijista tare da amincewa da samu. Na biyu, gwada tuntuɓar mai shiga tsakani na yanki, sannan mai shiga tsakani na ƙasa.
Zazzage bayanan tuntuɓar masu shiga tsakani
Ƙananan Rangwame
Ƙarshe
00:00Yi hankali, duk da haka, kada ku fāɗi cikin wannan hanya ta ciki. Ƙayyadaddun watanni biyu da ke cikin wannan hanya zai iya sa ka rasa damar da za a kalubalanci tsarin shari'a, wanda dole ne a shigar da shi cikin watanni biyu. Kuskure na gama gari shine a bi da bi a haɗa tsarin cikin gida tare da tsarin doka, wanda ke haifar da rashin samun damar zuwa kotu kuma ya bar duk iko ga Faransa Travail. Kar a yaudare ku. Ci gaba da bin hanyoyin cikin gida da na shari'a, kuma ku sanar da France Travail game da ayyukanku a cikin tsarin doka don hanzarta gudanar da shari'ar ku.
Bisa ga ka'idar matsayi na matsayi, doka tana sama da ka'ida. A wasu kalmomi, Dokokin Inshorar Rashin Aikin yi ana maye gurbinsu da doka. Koma batun zuwa kotun da ta dace ta hanyar taƙaitaccen shari'a (bayyana hukuncin). A al’amuran da suka shafi rashin aikin yi, babu kotu guda, sai dai kotuna da dama, wadanda hukunce-hukuncensu ya danganta da yanayin rigimar.
- Kotun Shari'a: Rikici tsakanin masu neman aiki, ban da fa'idodin haɗin kai da ayyukan horarwa
- Babban Kotun: Diyya ga ARE (Komawa Taimakon Aiki)
- Kotun Gudanarwa: Cire, takunkumi, gazawar bin diddigin, wasu takamaiman kasafi. Kotu ta tsohuwa
Matakin farko na shari'a kyauta ne kuma baya buƙatar lauya. Kawai buga Dokokin Inshorar Rashin Aikin yi, waɗanda wasu ƴan labarai ke ƙarawa daga Labour Code.
Kuɗin ku ne, kuma kuna da hakki.
Da zarar kun yi ajiyar kuɗi, fara kasuwancin ku, kuma ku sami fa'idodin rashin aikin ku, lokaci ya yi da za ku saka hannun jari don gina kuɗaɗen shiga, mai-mai-mai-mai-mai-ma'ana, shekara-shekara.
Babi na 11Sha'awa
Hauhawar farashin kayayyaki
Kun tara kuɗi, amma kowace shekara za ku ga asarar ikon siye. Da alama farashin ya karu. Tare da asusun banki iri ɗaya, kowace shekara, motar cinikin ku ba ta cika cika ba. Da alama lambar da ke cikin asusun bankin ku ta yi asarar ƙimar sa. Misali, 100 EUR jiya yana da darajar 90 EUR kacal a yau, kuma gobe zai kai 80 EUR. Wannan shi ake kira hauhawar farashin kaya.
Haɓakar hauhawar farashin kayayyaki mummunan aiki ne, hukunci, wanda gwamnati da bankuna suka sanya muku. Ƙirar-buga ta ƙarshe na banki domin a dire ku, kuma daga baya ya raunana ku. Wannan yana tabbatar da cewa ka kasance bawa mai hidima. Wannan tsari shi ake kira Quantitative Easing. Abin da ke da wuya yana da tsada, amma akasin haka, abin da ke da yawa yana da arha, ko ma maras amfani. Lokacin da kuɗi da yawa ke cikin kewayawa, yana rasa ƙima. Idan kowace takardar kuɗi ta rasa ƙima, kuna buƙatar ƙarin takardun banki don cimma sakamako iri ɗaya. Haɓakar farashi yana haifar da dilution na darajar littafin, da asarar ikon siye.
Haɓakar hauhawar farashin kayayyaki wani ƙarfi ne mai cin jari, mai iya cinye duk abin da kuka tara. Tare da hauhawar farashin kaya a 10% a kowace shekara, 100 EUR zai juya zuwa 4 EUR a cikin shekaru 30. Sakamakon 1 - (4 / 100) = -96% kenan.
Zazzage Na'urar Simulator na Kuɗi:
Ƙananan Rangwame
Ƙarshe
00:00Haɗin kai yana ɗaya daga cikin mahimman abubuwan da ke haifar da talauci.
Kare kanka daga hauhawar farashin kayayyaki yana da mahimmanci. Don yin wannan, kuna buƙatar ba da rancen kuɗin ku don samar da riba. Bari mu ga yadda ake saka hannun jari.
Layin Layi / Ƙarfi
Magudanar kuɗaɗen shiga ku na bin nau'ikan ayyuka guda biyu: madaidaiciya da ma'auni.
Litattafai
- Yayi kama da layi
- N kari
- A + A + ... + A
- N x A
Madalla
- Yayi kama da lankwasa
- N ninkawa
- A x A x ... x A
- A ^ N
- A N
Layin layi yana da ƙarfi da farko. Yana ba ku damar, ta hanyar ƙari masu zuwa, don shawo kan babban madaidaicin tattalin arziki kamar layin talauci. Ita ce hanya mafi kyau don kai ku zuwa tsakiyar aji.
| Shekara | Zuba jari | Gain Fixe : 100 EUR | Sakamako |
| 1 | 1 000 EUR | 100 EUR | 1 100 EUR |
| 2 | 1 100 EUR | 100 EUR | 1 200 EUR |
| 3 | 1 200 EUR | 100 EUR | 1 300 EUR |
Koyaya, don isa gudun tserewar ku, kuna buƙatar amfani da wani kayan aiki: ma'auni.
Ƙwararren ma'auni yana da rauni a farkon. Ana ba da shawarar yin amfani da shi kawai daga wani matakin, aƙalla 1 000 EUR. Da zarar an fara, ba za a iya doke shi ba akan lokaci.
A zahiri, ta hanyar samar da kaso na jackpot ɗinku na yanzu kowace shekara, kuna wadatar da kanku ba tare da wahala ba.
Kula da juyin halittar riba:
| Shekara | Zuba jari | Gain Relatif : 10% | Sakamako |
| 1 | 1 000 EUR | 100 EUR | 1 100 EUR |
| 2 | 1 100 EUR | 110 EUR | 1 210 EUR |
| 3 | 1 210 EUR | 121 EUR | 1 331 EUR |
Riba yana ƙaruwa daga shekara zuwa shekara.
A shekara ta 2 yana da daraja 110 EUR, ko 10% idan aka kwatanta da 100 EUR.
A cikin shekara 3 yana da darajar 121 EUR ko 10% x 10% = 1.1 ^ 2 = 1.21 = +21% idan aka kwatanta da 100 EUR.
Abubuwan da aka samu suna girma da kansu. Ba lallai ne ku yi komai ba. Wannan kudin shiga ba shi da iyaka.
Wannan ka'ida ta maimaitawa da riba mai cin gashin kanta ana kiranta fili riba.
Ya ƙunshi ɗaya daga cikin mafi girman ƙarfin kuɗin kuɗaɗen da zai iya wanzuwa.
Bambanci tsakanin ribar madaidaiciya da fa'ida yana da mahimmanci. Wannan bambance-bambancen ya zana layi tsakanin masu matsakaici da masu arziki. Mutanen da suka yi tunani game da riba na layi daya tabbas za su kasance matalauta har abada. Mutanen da suke tunani ta fuskar riba mai mahimmanci, a daya bangaren, suna da kyakkyawar dama ta zama masu arziki.
Zazzage Ribar Linear vs Exponential Gain Simulator:
Ƙananan Rangwame
Ƙarshe
00:00Ka'idar samun fa'ida ita ce mafi girman adadin tushe, mafi girman riba. A cikin shekarunku na farko, dole ne ku haɓaka wannan tushe don samun sakamako mai gamsarwa.
100K
Samun 100 000 EUR a cikin saka hannun jari shine ci gaba na farko da yakamata ku yi niyya. Yadda ka isa can ba komai. Ba komai nawa kuka ajiye ko sadaukarwa ba. Kuna buƙatar isa € 100K da sauri. Komai kudin. Dole ne ku yi duk abin da za ku iya don isa wurin. Sakamakon kawai yana da mahimmanci.
I don’t care what you have to do. If it means walking everywhere and not eating anything that wasn’t purchased with a coupon, find a way to get your hands on 100 000 USD.
Charlie MUNGERBan damu da abin da za ku yi ba. Idan yana nufin tafiya ko'ina kuma kada ku ci wani abu da ba a saya tare da coupon ba, nemo hanyar da za ku sami hannunku akan 100 000 USD.
Charlie MUNGERA gaskiya ma, farawa daga 100 000 EUR, wato 100 x 1 000 EUR, mafi ƙarancin kashi zai sami 1 000 EUR. Misali, idan rabon ya sami kashi 3% a rana guda, kuna samun:
3% x 100 000 EUR
3 / 100 x 100 x 1 000 EUR
3 / 100 x 100 x 1 000 EUR
3 x 1 000 EUR
3 000 EUR
| Zuba jari | Kashi | Sakamako |
| 100 000 EUR | 1% | 1 000 EUR |
| 100 000 EUR | 2% | 2 000 EUR |
| 100 000 EUR | 3% | 3 000 EUR |
| 100 000 EUR | 4% | 4 000 EUR |
| 100 000 EUR | 5% | 5 000 EUR |
A takaice dai, ci gaban 100K yana buɗe mahimman kuɗin shiga ku na farko. Hakanan shine kushin ƙaddamarwa don matsayin HNWI (High Net Worth Individual).
Anan ga taƙaitaccen bayyani na hanyar da kuke buƙatar ɗauka, dangane da ƙimar kadarorin ku na ruwa (Assets less Leabilities, da ban da dukiya):
- 100 000 USD : Sub-HNWI
- 1 000 000 USD : HNWI
- 5 000 000 USD : VHNWI
- 30 000 000 USD : UHNWI
Kar ku karaya. Samun 100K na farko yana da matukar wahala. Ku ninka ƙoƙarinku kuma ku naɗe hannayenku. Da zarar kun isa 100K, komai zai hanzarta, da sauri.
Babban Shafi / DCA
Akwai dabarun saka hannun jari guda biyu don daidaita yawan jarin ku:
- Sum Sum: Kuna sanya komai a lokaci guda
- DCA (Dollar Cost Averaging): Kuna saka hannun jari kadan kadan
Ɗaya daga cikin fa'idodin DCA shine yana ba ku damar daidaita farashin siyan kadarorin ku. Ba tare da la'akari da yanayin kasuwa ba, ko daɗaɗawa ko rashin ƙarfi, DCA yana ba da tabbacin cewa koyaushe za a ɗora ku zuwa matsakaicin farashin kadarorin ku. Ta wannan hanyar, DCA kayan aikin anti-volatility ne.
Duk da haka, lokacin da kake son samun riba, musamman don magance hauhawar farashin kayayyaki, maimakon haka ya kamata ku nemi sauyin yanayi, muddin yana biyan bukatun ku.
Wani abu a cikin shaharar DCA shine yana bawa ma'aikata, waɗanda suka zama mafi yawan masu saka hannun jari, damar saka hannun jarin ladan su na wata-wata.
Wannan gardamar tana da kurakurai a fili, saboda tana ɗaukar raguwar shigar da kuɗi na son rai. Menene zai faru idan an ɗage wannan ƙuntatawa? Shin da gaske DCA za ta zama mafi kyawun hanyar saka hannun jari? Ko kuma akasin haka, dabarar talaka (ma'aikaci) ce?
DCA na nufin saka hannun jari kowane wata. Wanene zai ce wannan ita ce ranar da ta fi dacewa don saka hannun jari? Musamman lokacin da miliyoyin ma'aikata ke yin daidai da hanya ɗaya a rana ɗaya? Shin bai kamata mu kasance muna yin akasin haka ba? Za ku iya gaske lokacin kasuwa? Kuna da ƙwallon kristal? Shin bai kamata mu saka hannun jarin komai ba, da sauri, mu bar kasuwa ta yanke shawara?
Kuma mafi mahimmanci, menene zai faru idan, ta ƙin saka hannun jari, kun rasa mafi kyawun kwanakin kasuwa?
An gudanar da gwaje-gwajen baya da yawa akan wannan batu. Duk, ba tare da togiya ba, sun nuna cewa ana samun yawancin ayyukan ta hanyar ci gaba da saka hannun jari a kasuwanni. Kasancewa a cikin kasuwanni shine kawai dabarar da ke ba ku tabbacin ba za ku taɓa rasa mafi yawan kwanaki masu amfani ba. Hujja na iya zama cewa ku ma za ku sha wahala duk faɗuwar kasuwa. Koyaya, tunda kasuwanni koyaushe gabaɗaya suna tashi a cikin dogon lokaci, yakamata a yi watsi da wannan rashin tausayi daga hannu.
Tsayawa zuba jari a kasuwanni yana daya daga cikin muhimman abubuwan da ke tattare da gina dukiya. Don haka kawai rasa mafi kyawun kwanaki 10 a cikin kasuwar hannun jari zai iya kashe ku 50% na aikin da kuka samu.
Wani bincike da wani sanannen manajan kuɗi ya buga ya tabbatar da fifikon dabarun Lump Sum:
Zazzage Nazarin Dabarun Ƙididdigar Jima'i:
Ƙananan Rangwame
Ƙarshe
00:00Idan za ku iya, dabarun Lump Sum shine mafi inganci.
Don haka, yakamata ku kasance masu saka hannun jari na dindindin a cikin kasuwanni, gwargwadon iyawar ku.
Rarraba / Girma
Dabarun saka hannun jari guda 2 suna yiwuwa:
- Dabarun Raba
- Dabarun girma
Tunanin rabo na iya zama kamar abin sha'awa da farko. Koyaya, rabon rabon riba ne da aka samu. A matsayin riba da aka samu, ana biyan harajin rabon. Abubuwan da aka gane suna ƙarƙashin harajin riba mai yawa. Misali, a cikin Jamhuriyar gurguzu ta Faransa, ƙa'idar haraji ta Flat Tax ta shafi. Idan muka sauƙaƙa kashi: 15% na Amurka, da 15% na Jamhuriyar gurguzu ta Faransa. Ta dokar Amurka, ana biyan harajin rabon kuɗi a 30%. Wannan yana nufin asarar net na 30% akan ribar da kuka samu. Kowace shekara.
Don haka, ko da an sake saka hannun jari ta atomatik ta hanyar babban jarin ETF (Exchange-Traded Funds) index, ya kasance riba mai fa'ida kuma tana asarar 30% na ƙimarsa kowace shekara, saboda harajin sa. Wannan kamar kashe kajin a cikin kwai ne.
Chicken baya samun damar girma zuwa cikakkiyar damarsa. Ba ya zama babba. Maimakon haka, sai a yanke kaddararta duk shekara, tun kafin ta kai ga balaga.
Bari mu kalli tasirin haraji kan ribar da aka samu sama da shekaru 30:
| Zato | 2 000 EUR 10% fiye da shekaru 30 Rarraba Harajin Lantarki -30% | 2 000 EUR 10% fiye da shekaru 30 Rarraba Harajin Lantarki -15% | 2 000 EUR 10% fiye da shekaru 30 Girma Harajin Lantarki 0% |
| Formula | 2 000 x (1 + (10% * (1 - 30%))) ^ 30 | 2 000 x (1 + (10% * (1 - 15%))) ^ 30 | 2 000 x (1 + (10% * (1 - 0%)))) ^ 30 |
| Sakamako | 15 225 EUR | 23 117 EUR | 34 899 EUR |
| Résultat vs 0% | -56.38% | -33.76% | 0,00% |
Haraji na ribar da aka samu yana da mahimmanci fiye da yadda ake tsammani:
- Harajin Lantarki 30% : -56.38%
- Harajin Lantarki 15% : -33.76%
Wannan shi ne saboda jarin ku yana lalacewa kaɗan kaɗan. Harajin yana haifar da wani nau'in hauhawar farashin kayayyaki na 30% (ko 15% idan kun sami damar adanawa akan yanki na gida). Kuma wannan yana faruwa kowace shekara. Wannan sake yanke babban birnin ku yana da matukar tasiri akan lokaci, fiye da adadi. Yi la'akari da haraji a matsayin riba mai yawa mara kyau. Wani nau'in hukunci da ke taruwa akan lokaci. Gangrene wanda ke yaduwa zuwa ga duk kadarorin ku idan ba a magance shi da sauri ba. Gaskiya ne: haraji babban cikas ne ga tarin dukiyar ku.
Lura cewa mafi girman Harajin Flat, ƙarancin tasirin ƙarin maki ana jin shi. Ta hanyar tafiya daga 15% zuwa 30%, mun lura cewa ƙarin asarar shine 56.38% - 33.76% = 22.62%. Ba mu ninka 33.76%.
Kashi 15% na farko sun fi sauran 15% zafi. Wannan tasiri na rage sawun haraji a cikin cikakkiyar ƙima an bayyana shi ta gaskiyar cewa akwai ƙarancin ƙimar da ya rage akan abin da za a samar da sha'awa mai mahimmanci (rabon kek ya fi ƙanƙanta). Don haka, mafi ƙarancin kaso na haraji akan fa'ida mai fa'ida yana tasiri ga sakamakon, tare da babban tasiri akan kashi na farko na haraji, da ƙaramin tasiri akan ragowar kashi.
Zazzage na'urar kwaikwayo ta Rarraba Harajin:
Ƙananan Rangwame
Ƙarshe
00:00Mafi girma yawan amfanin ƙasa, mafi yawan abin lura da bambanci. Harajin da aka bayyana cikin maki kashi, don haka ainihin ma'ana da alaƙa da abin da kuka samu, zai cinye su cikin cikakkiyar ƙima. A 10% yawan amfanin ƙasa, bambanci tsakanin 30% haraji da 0% haraji shine x2.5. A 100% yawan amfanin ƙasa, wannan bambancin shine x8. Idan kuna shirin yin arziki wata rana, lallai ne ku inganta harajin ku.
A takaice dai, adadin harajin da aka yarda kawai shine 0%. Amma ta yaya za mu cimma wannan?
Na farko, kuna so ku guje wa saka hannun jari da sunan ku, in ba haka ba za ku kasance ƙarƙashin harajin kuɗin shiga. Idan kuna ƙirƙirar kamfani, kuna son guje wa ƙirƙirar kamfani na cikin gida, wato, wanda ke da hurumi ɗaya da musayar da kuke siyan hannun jari. Kamfanonin cikin gida sun kasance suna biyan haraji na gida. Hanya daya tilo don inganta jarin ku ita ce siyan hannun jarin ku ta wani kamfani na waje, wanda ke aiki a karkashin wata hukuma daban don haka dokoki daban-daban.
Idan wanda ba mazaunin gida ba (kasashen waje) yana gudanar da kasuwanci ko sana'a a cikin Amurka, samun kuɗin shiga daga wannan kasuwancin yana ƙarƙashin ƙimar harajin ci gaba na Amurka. Za a biya su haraji kamar mazauna, wanda shine wani abu da wataƙila za ku so ku guje wa.
Income connected with United States business-graduated rate of tax (...) Imposition of tax (...) nonresident alien individual engaged in trade or business within the United States during the taxable year shall be taxable (...)Kudin shiga da ke da alaƙa da ƙimar harajin da ya kammala kasuwancin Amurka (...) Ƙaddamar da haraji (...) baƙon mutum baƙon da ke yin ciniki ko kasuwanci a cikin Amurka a cikin shekarar da ake biyan haraji zai zama abin haraji (...)Don haka, idan ba ku da wani zaɓi sai don bayyana, a cikin duk bayanan harajinku, ya kamata ku ayyana cewa ba ku da ƙwararru ko ayyukan kasuwanci da ke da alaƙa da Amurka. Kuma a zahiri, a zahiri ba su da ƙwararru ko ayyukan kasuwanci tare da Amurka.
Dabarar Ci gaban ta ba da izinin harajin sifili yayin siyar da haja ta fiye da shekara ɗaya ta wani mutumin da ba Amurka ba. Ana iya samun wannan tasirin ta hanyar siyan hannun jarin ku ta hannun wani kamfani da ba na Amurka ba a cikin ikon da ba shi da harajin ribar babban jari.
Dabarun Rarraba, a matsayin mai mulkin, baya ƙyale wannan haɓakawa.
Tax on nonresident alien individuals (...) Income not connected with United States business-30 percent tax (...) Income other than capital gains (...) Except as provided in (...), there is hereby imposed for each taxable year a tax of 30 percent of the amount received from sources within the United States by a nonresident alien individual as interest (...), dividends, rents, salaries, wages, premiums, annuities, compensations, remunerations, emoluments, and other fixed or determinable annual or periodical gains, profits, and income (...)Haraji a kan mutanen da ba na zama ba (...) Kudin shiga da ba a haɗa da kasuwancin Amurka- haraji kashi 30 cikin ɗari (...) Kudin shiga ban da ribar babban birnin (...) Sai dai kamar yadda aka tanadar a cikin (...), ana sanya harajin kashi 30 cikin 100 na adadin kuɗin da aka samu daga tushe a cikin Amurka ta wani baƙon baƙon da ba na zaune ba a matsayin riba (...), rarar kuɗi, hayar kuɗi, biyan kuɗi, biyan kuɗi, albashi, albashi lada, emoluments, da sauran ƙayyadaddun ko ƙididdige riba na shekara-shekara ko na lokaci-lokaci, riba, da kudin shiga (...)Raba-rabo daga hannun jarin da wani kamfani na waje ke da shi yana ƙarƙashin haraji na wajibi. Ana yin wannan ta hanyar harajin riƙewa.
Zazzage rubutun dokar da ke tsara harajin haraji kan ribar riba da babban jari:
Ƙananan Rangwame
Ƙarshe
00:00Dabarun Rarraba duk da haka na iya amfana daga wannan haɓakawa, ta amfani da, kuma a kan madaidaicin yanayin cewa suna cikin ikon da babu haraji akan ribar babban jari:
- Fihirisar da aka kwafi (ETF)
- Samfurin da aka ƙera wanda ke kwafin jimlar aiki (tare da rabo)
Dabarun Rarraba yana buƙatar duka mai riƙe hannun jari (ku) da wakili (ETF / abin da aka samo asali) su kasance cikin yankuna masu fa'ida.
Don haka, tare da daidaitaccen aikin haraji, dabarun Rarraba ya fi rikitarwa don aiwatarwa fiye da dabarun Ci gaban.
CAGR
CAGR (Compound Annual Growth Rate) dabara ce don ƙididdige ƙimar dawowar shekara-shekara. Sabanin sanannen imani, bai isa kawai a raba yawan amfanin da aka samu da adadin shekaru ba. Wannan shi ne saboda gaskiyar cewa dawowar shekara zuwa shekara ba ayyukan da aka yi ado ba ne, amma ayyukan da aka maimaita, wato, suna da alaƙa da ƙimar shekarar da ta gabata. Don haka, dole ne a yi amfani da dabarar lissafi don tantance adadin dawowar shekara-shekara.
Zazzage CAGR Simulator:
Ƙananan Rangwame
Ƙarshe
00:00Sayi kuma Rike
Idan haraji mai kashe dukiya ne, akwai kuma wanda ya fi wayo: rashin haƙuri.
The stock market is a device for transferring money from the impatient to the patient
Warren BUFFET Kasuwar hannun jari ita ce na'ura don canja wurin kuɗi daga marasa haƙuri ga majiyyaci
Warren BUFFETYi tunanin kadarorin kuɗi kamar layi a babban kanti. Ko, don ƙarin kimiyya a tsakaninmu, tarin FIFO. Duk lokacin da ka bar layin, ka rasa wurinka. Kuma dole ne ku sake fara jerin gwano.
A daya bangaren kuma, wanda ya yi hakuri ya kiyaye matsayinsa a cikin jerin gwano, to a dabi'ance zai ci gaba, yayin da mutanen da ke gabansa suka fice. Kuma duk wanda ya zo bayansu zai karfafa matsayinsu. Waɗannan mutane a zahiri za su ƙara ƙimar adadin da suke riƙe. Don haka, ko da idan kawai ka mallaki 0,000001% na hannun jarin kamfani, tunda kashi ne, sabili da haka dangane da ainihin ƙimar waɗannan hannun jari, idan kun kasance mai ƙarfi kuma ku jira sabbin masu hannun jari don shiga cikin faɗuwar, kuna da kyakkyawar damar samun riba.
Wannan dabara mai suna Buy and Hold, ta dogara ne akan tasirin Cantillon, wanda ke nufin yanayin tattalin arziki wanda allurar sabbin kuɗi a cikin tattalin arziƙi ba ta da wani tasiri iri ɗaya, amma da farko yana amfanar waɗanda suka karɓi kuɗin da farko, wanda zai cutar da waɗanda suka karɓa daga baya. Ma'ana, fara zuwa, fara hidima.
Patience et longueur de temps font plus que force ni que rage
Jean DE LA FONTAINE Haƙuri da tsayin lokaci suna yin fiye da ƙarfi ko fushi.
Jean DE LA FONTINEHaɗa wannan tasirin tare da harajin haraji duk lokacin da kuka fita matsayi, kuma yana da sauƙin fahimtar dalilin da yasa masu hasashe da yawa ke rasa kuɗi a kasuwar hannun jari. Suna kawai rashin haƙuri, saye da siyar da kadarorin su yayin da fas ɗin ke canzawa. Ba su da ikon riƙe tsayayye, daidaiton matsayi na shekaru da yawa. Wannan rashin hakurin ya janyo musu asarar miliyoyi. Mummunan motsin zuciyar su da ba su da ƙarfi shine ainihin maƙiyinsu.
Masu saka hannun jari masu wayo, a gefe guda, suna tunani da dabaru tsawon shekaru da yawa. Suna kafa shirin yaƙi, sabunta shi akai-akai, kuma suna manne da shi. Ba motsin rai ke jagorantar su. Hanyar saka hannun jarinsu mai sanyi ne, mai hankali, kimiyya, kuma ana goyan bayan hujjar lissafi.
Don samun nasara a saka hannun jari, kuna buƙatar aiwatar da fayil ɗin ku a cikin shekaru 10, 20, 30, ko 40 masu zuwa. Wadanne abubuwa ne kuke tunanin za su iya samar da tiriliyoyin daloli nan da karni na gaba? Nemo amsar wannan tambayar kuma ku saka jari mai yawa a waɗannan sassan.
Tallafin zuba jari
Lokacin da kuka saka hannun jari, aikin jarin ku ya dogara da abin hawan da kuka sanya ta. Kuna da 'yanci don zaɓar abin hawa mafi kyawun saka hannun jari.
Ga wasu misalan motocin saka hannun jari:
- Biyan fansho kamar yadda kuke tafiya
- Livret A (Jamhuriyar Socialist ta Faransa)
- Inshorar rayuwa
- Kayan haya
- Tsabar zinare
- S&P500
- Bakwai Mai Girma
- Nvidia
Biyan fansho kamar yadda kuke tafiya
Bari mu kalli dawowar saka hannun jari na fenshon biya-as-you-go (Jamhuriyar Socialist ta Faransa):
- Lokacin gudummawa: shekaru 40
- Haɓaka 1: 0% na shekaru 40 (aiki)
- Komawa 2: 10% na shekaru 20 (ritaya)
- Komawa shekara: (0 x 40 + 0.10 x 20) / (40 + 20) = 0.0016 = 0.16%
- Farashin farashi na shekara: 10%
- Jimlar shekara: 0.16% - 10% = -8.33%
- Korau
Livret A
Livret A samfurin kuɗi ne na jiha keɓe ga Jamhuriyar Socialist ta Faransa.
Yana ba da kuɗin yaƙi da gina gidaje na zamantakewa.
Bari mu dubi dawowar zuba jari na Livret A:
- Komawa shekara: 3%
- Farashin farashi na shekara: 10%
- Jimlar shekara: 3% - 10% = -7%
- Korau
Inshorar rayuwa
Duk wani samfur na kuɗi da wani ɓangare na uku ke gudanarwa, gami da banki, yana da koma baya mara kyau. A zahiri, ɓangare na uku yana amfani da ku azaman maƙarƙashiyar ƙofa. Suna amfani da kuɗin ku don sa ku jure duk haɗari. Suna amfani da kuɗin ku azaman abin amfani, don saka hannun jari a madadin ku, da kuɗin da ba su mallaka ba. Suna cin riba duka. Suna biyan ku crumbs. Wadannan tarkace ba su taba rufe hauhawar farashin kayayyaki ba. Inshorar rayuwa ba ta cikin wannan doka:
Bari mu kalli komawar saka hannun jari na tsarin inshorar rai wanda wani banki ya bayar a Jamhuriyar Socialist ta Faransa:
- Komawa shekara: 3%
- Farashin farashi na shekara: 10%
- Jimlar shekara: 3% - 10% = -7%
- Korau
Gidajen haya
Jamhuriyar gurguzu ta Faransa a koyaushe tana haɓaka kadarori, tana gabatar da ita a matsayin saka hannun jari mai fa'ida. Amma shin da gaske haka lamarin yake?
Bari mu dubi rashin amfanin kadarorin haya a cikin Jamhuriyar gurguzu ta Faransa:
- Gasar rashin adalci daga Jiha
- Gina gidaje da harajin ku (Kuna ba su rancen kuɗi kyauta)
- Ba ya raba wani kaso na ribar da aka samu a gare ku (Ba ya biyan ku kowace riba)
- Ba ya mutunta doka (Gatan Jiha)
- Canje-canje da haɓaka doka (rashin tabbas na shari'a, ba zai yiwu a tsara shi tsawon shekaru 20 ba)
- Ikon haya: Matsakaicin madaidaicin wajibi da Jiha ta ayyana
- Dokar DALO ta Faransa: Tilastawa squatting: Rasa gatan mai gidan ku idan ba ya nan har tsawon awanni 48
- Dokar shari'a: Masu haya sun keɓe daga haya idan sun tabbatar da cewa masaukin bai dace ba (Mold, Dry Rot)
- Preemption: Jiha ta sake siyan tilas, gwargwadon farashin da ta zaɓa
- Daidaitawa: Lalacewa ta tilas da Jiha ta yi don inganta kewayawar abin hawa
- Dokar Yanayi- Makamashi: Hani na tilas akan siyarwa ko hayar sieves mai zafi
- Laifin laifi: Idan gobara ko rauni na jiki, haɗarin ɗauri
- Abu: Mai rauni ga ambaliya, gobara, girgizar ƙasa, fasa, mummunan yanayi, lalacewa
- Na Jiki: Ba mai ƙima da cin lokaci ba, musamman idan ana rarraba ƙasa
- Maƙwabta: Rikicin unguwanni da ke sa rayuwarku ta zama kunci
- Kwari: kyankyasai, beraye, tururuwa, kwari, kwari
- Ayyuka: Keɓaɓɓen (Lalacewar ruwa) ko na gama gari (gyare-gyaren Facade wanda haɗin gwiwar ya yanke shawarar)
- Ƙungiyar Condominium: Sau da yawa ana biyan kuɗi don yin komai, sai dai lissafin ku
- Darajar mai kyau ba ta karuwa: hauhawar farashin kayayyaki yana sa ya zama mai tsada (ana buƙatar ƙarin bayanin kula don siyan shi)
- Ƙimar mai kyau tana raguwa: Ƙarfafawa a cikin duniyar zahiri, yana fuskantar raguwar ƙarshen.
- Hadaddun haraji da kwace, wanda ke ƙaruwa da sauri fiye da hauhawar farashin kaya
- Harajin gurguzu na Faransa CSG (Contribution Sociale Généralisée)
- Harajin gurguzu na Faransa CRDS (Contribution au Remboursement de la Dette Sociale)
- 0.5% a cikin 1996
- 17.2% a 2024
- CAGR = (17.2 / 0.5) ^ (1 - 28) - 1 = 13%
- 13% karuwa a CSG-CRDS akan matsakaita a kowace shekara, sama da shekaru 28
Bari mu kalli dawowar jarin kadarorin haya:
- Komawa shekara: 4%
- Farashin farashi na shekara: 10%
- Jimlar shekara: 4% - 10% = -6%
- Korau
Tsabar zinare
Zinariya ta kasance tushen kuɗi. To sai dai kuma da yake da nauyi da wuyar sufuri, wannan kaya da ba kasafai ake samun sa ba ya fara lalacewa ta hanyar bayyanar takardun takarda da bankuna ke bayarwa, sannan da takardar shedar gwamnati, sannan kuma dala, wacce a lokacin har yanzu ana lissafinta zuwa zinari. Tare da bukatar da ta zarce adadin ajiyar zinari, an yanke shawarar cire dala daga farashin gwal. Daga nan sai aka yi lissafin zinare zuwa dala. Dala yanzu ita ce tushen kudin. Babban bankin Amurka yana sarrafa dalar Amurka, yana buga daloli akan bukata, wanda babu makawa ya haifar da hauhawar farashin kayayyaki.
Bari mu dubi koma baya kan zuba jari na zinariya:
- Lokacin farawa: Makina: 1 447
- Ƙarshen lokaci: Maki: 2 532
- CAGR : (2 532 / 1 447) ^ (1 / 5) - 1 = 11%
- Komawa shekara: 12%
- Farashin farashi na shekara: 10%
- Jimlar shekara: 11% - 10% = 1%
- Tabbatacce kadan
Zinariya yana samuwa a cikin adadi kaɗan ko kaɗan. Shi ne batun kadan hasashe. Kodayake yawan zinari yana da karko a yau, kuma ba zai yiwu a buga zinariya ba, wannan nau'in zuba jari yana da mahimmanci, kamar cryptoassets, kuma ta hanyar tasiri, ga sakamakon hauhawar farashin kaya, idan dai farashin kayayyaki da ayyuka ya kasance a cikin dalar Amurka, wani kudin shiga. Tare da aikin da ya yi daidai da hauhawar farashin kaya, ma'aunin gwal (Zinare mai tsafta, kilogiram 1, 86 000 USD) yana kiyaye ikon siyan ku na dogon lokaci.
Idan dan Adam zai sami karin ajiyar zinari, misali ta hanyar sabbin ma'adanai, ma'adinan ruwa, ko ma'adinan asteroid, ko kuma ta hanyar alchemy ta hanyar canza gubar zuwa zinari a cikin Babban Hadron Collider (wannan ba wasa bane, wannan gaskiyar kimiyya ce), zinari a matsayin karfe zai iya samun gagarumin dilution na darajarsa. Yin haka, amfanin sa zai iya zama mara kyau. Ganin ci gaban fasaha a fannin hakar ma'adinai, ruwa, sararin samaniya, da fagage na asali, ya kamata ku yi tsammanin wannan yuwuwar.
A wannan yanayin, ba wai kawai darajar gwal za ta narke sosai ba, amma kuma babu wani abin da zai hana jihar kwace muku wannan albarkatun. Irin wannan kamun na jihar ya riga ya faru a baya.
All persons are required to deliver (...) all gold (...) to a Federal BankAna buƙatar duk mutane su isar da (...) duk zinariya (...) zuwa Bankin TarayyaZazzage dokar da ke ba da umarnin kama tsabar zinare da sandunan zinariya:
Ƙananan Rangwame
Ƙarshe
00:00Yin la'akari da matsalolin jiki na ajiya da sufuri (nauyi, girma, tsaro), ƙananan karuwa a cikin darajarsa, haɗarin hauhawar farashin kayayyaki a cikin shekaru masu zuwa, haɗarin haɗari na sata, da kuma tabbatar da hadarin kamawa da gwamnati, zinari na iya bayyana a matsayin wani nau'i mai mahimmanci na kadari.
S&P 500
Bari mu dubi komawa kan zuba jari na S&P 500, index index na 500 mafi girma a Amurka kamfanoni:
- Farawa lokaci: maki: 3 025.86
- Ƙarshen lokaci: Maki: 5 464.52
- CAGR : (5 464.52 / 3 025.86) ^ (1 / 5) - 1 = 12%
- CAGR : (5 464.52 / 3 025.86) ^ (1 / 5) - 1 = 12%
- Komawa shekara: 12%
- Farashin farashi na shekara: 10%
- Jimlar shekara: 12% - 10% = 2%
- Tabbatacce kadan
S&P 500 yana raba hannun jari a cikin kamfanoni 500. Yana yada haɗarin fatarar kuɗi. Tare da yin daidai da hauhawar farashin kaya, yana adana ikon siyan ku na dogon lokaci.
Lura cewa, akasin sanannen imani, S&P 500 ba daidai ba ne. Akasin haka, a cikin wannan fihirisar, wasu hannun jari suna da nauyi fiye da wasu.
Magnificent 7
S&P 500 ya ƙunshi hannun jari 7 waɗanda suka fi kasuwa, sannan 493 masu asarar hannun jari suka biyo baya waɗanda suka ja da baya aikin ku. Wadannan hannun jari guda 7 ana kiransu The Magnificent Seven. Ana kuma san su da S&P 7.
Bari mu dubi komawa kan zuba jari na Magnificent 7 (S&P 7):
- Farawa lokaci: maki: 25.07
- Ƙarshen lokaci: maki: 45.67
- CAGR : (45.67 / 25.07) ^ (1 / 5) - 1 = 13%
- Komawa shekara: 13%
- Farashin farashi na shekara: 10%
- Jimlar shekara: 13% - 10% = 3%
- Tabbatacce kadan
Zuba jari a cikin Magnificent 7 yana rarraba fayil ɗin ku a cikin kamfanoni bakwai: Apple, Microsoft, Alphabet (Google), Amazon, Nvidia, Meta, da Tesla. Wannan rabon, yayin da aka maida hankali, yana rage haɗarin fatarar kuɗi. Tare da aikin da ya yi daidai da hauhawar farashin kaya, wannan maganin yana kiyaye ikon siye.
Nvidia
Daga cikin Magnificent 7, daya hannun jari ya mamaye kuma ya dauki wurin mai nasara: Nvidia (ticker: NVDA). Nvidia tana sayar da mafita don horar da hankali na wucin gadi. Babban jarin kasuwar NVDA, wanda aka kiyasta kusan 4 000 000 000 000 USD (dalar Amurka Tiriliyan 4), ya zarce duka CAC 40. Wato, babban kamfani na Amurka ya fi manyan kamfanonin Faransa 40 daraja. Bugu da kari, babban jarinsa ya zarce na Apple da Microsoft. An kiyasta ƙimar Nvidia akan 50 000 000 000 000 USD (USD 50 Tiriliyan) a cikin shekaru 10 (Multiplier: x17).
Wannan ya faru ne saboda haɗuwa da abubuwa 3:
- Hankali na wucin gadi
- Mai sayar da shebur
- Monopole
Hankali na wucin gadi
- AGI : Artificial General Intelligence : Mai hankali ne a matsayin ɗan Adam (kwakwalwar Dijital)
- ASI : Artificial Super Intelligence : Mafi hankali fiye da duk mutane (Skynet)
- Aikace-aikace da yawa: ƙwararrun ma'aikatan kama-da-wane, robotics, da sauransu.
- Kasuwa a 100 000 000 000 000 USD (dalar tiriliyan 100)
Mai sayar da shebur
- A cikin tseren zinare, mai siyar da shebur koyaushe yana yin nasara (Kayan aikin B2B: Kasuwanci zuwa Kasuwanci)
- Abokan ciniki masu wadata kamar OpenAI, Google, Microsoft, Amazon, Tesla
- OpenAI ta haɓaka 7 000 000 000 000 USD (dala tiriliyan 7) don horar da AI na gaba (a kan sabobin Nvidia)
Monopole
- Kwarewa a horo AI a sikelin (Scalability)
- Yana sarrafa duka Hardware (GPU, Servers, Network) da Software (CUDA)
- Masu fafatawa sun cika shekaru 10 a baya
- Jagora sarkar samar da kayayyaki
- Ajiye masu samarwa shekaru da yawa a gaba don kawar da gasa
Babban abin da ke barazana ga NVDA shi ne zuwan kwamfutocin kwamfutoci, wanda ake sa ran zuwa cikin shekaru 10. A lokacin, kuna da lokaci don samun riba mai yawa.
Bari mu kalli dawowar Nvidia kan saka hannun jari:
- Farawa lokaci: maki: 4.38
- Ƙarshen lokaci: maki: 114.35
- CAGR : (114.35 / 4.38) ^ (1 / 5) - 1 = 92%
- Komawa shekara: 92%
- Farashin farashi na shekara: 10%
- Jimlar shekara: 92% - 10% = 82%
- Matukar Mai Kyau
Tare da dawowar ra'ayi, da matsayi a matsayin jagora + fasaha + kasuwa na gaba + mai siyar da felu + keɓaɓɓu, NVDA shine mafi kyawun hannun jari don saka hannun jari a ciki.
Yanayin yanayi
Cikakkun nazarin yadda kasuwannin hannayen jari ke cika shekara yana nuna rarrabuwar kawuna a kowane wata. Wasu watanni suna aiki mafi kyau fiye da wasu. Sanin yadda ake amfani da wannan bayanin cikin hikima. Misali, idan kun san cewa watan Satumba yana cikin tarihi a ja, cire kuɗin ku kafin nan. A gefe guda, za ku guje wa mummunan farkon shekara. A gefe guda, za ku sayi hannun jari a farashi mai rahusa, wato, ana siyarwa, a cikin watan Satumba.
Wannan fasaha yana aiki har ma da kyau tare da hannun jari tare da babban rashin daidaituwa. Don haka, idan S & P500 shine -2% a watan Satumba, sauran hannun jari tare da rashin daidaituwa x10 dangane da S&P 500 na iya yin 10 x -2% = -20%.
Wannan shine lamarin tare da hannun jari Nvidia, wanda ƙarfinsa shine kusan sau 10 na S&P 500 Inda S&P 500 ta tarihi ta dawo 10% a kowace shekara, NVDA tana dawowa kusan 100%, ko 10 x 10%. Misali, a cikin Satumbar 2024, farashinsa ya fado a ma'ana da 10 x -2% = -20%. Kamfanin da kansa bai canza ba. Darajar da yake samarwa daidai take. Don haka, ta hanyar siyayya a cikin tallace-tallace a watan Satumba, kuna da kyakkyawar damar samun 20% babban riba a wata mai zuwa.
Hakazalika, ana iya lura da tasirin yanayi tare da kwanakin wata. Yi la'akari da wannan yanayin na 1-shekara a cikin S&P 500, yana kwatanta matsakaicin aikin kowace rana na wata.
Farkon wata ya dace da adibas daga zuba jari da aka tsara, yayin da ƙarshen wata ya dace da cirewa don biyan kuɗi. Ta hanyar juyar da wannan ma'ana - wato, ta hanyar saka hannun jari a ƙarshen wata da kuma janyewa a farkon - kuna ƙara yawan damar ku na doke kasuwa.
Kada ku zama tunkiya. Ku san yadda za ku sanya kanku gaba da kasuwa, a duk lokacin da ya biya bukatun ku.
Yanayin kasuwa na lokaci hanya ce mai kyau don samun kuɗi mai sauƙi.
Tasirin asara
Asara ta fi tasiri fiye da riba. Bayan wani adadin, ƙoƙarin da ake buƙata don komawa yanayin farko ya zama rashin daidaituwa idan aka kwatanta da asarar.
| Asara | Riba da ake buƙata don dawo da asara | Mai yawa |
| 5% | 5% | x1 |
| 10% | 11% | x1.1 |
| 15% | 18% | x1.2 |
| 20% | 24% | x1.2 |
| 25% | 33% | x1.3 |
| 30% | 43% | x1.4 |
| 35% | 54% | x1.5 |
| 40% | 67% | x1.7 |
| 45% | 82% | x1.8 |
| 50% | 100% | x2.0 |
| 55% | 122% | x2.2 |
| 60% | 150% | x2.5 |
| 65% | 186% | x2.9 |
| 70% | 233% | x3.3 |
| 75% | 300% | x4.0 |
| 80% | 400% | x5.0 |
| 85% | 567% | x6.7 |
| 90% | 900% | x10 |
| 95% | 1900% | x20 |
Wanda aka gani akan jadawali:
Zazzage na'urar kwaikwayo na farfadowa da hasara:
Ƙananan Rangwame
Ƙarshe
00:00Ba wanda yake son asarar kuɗi. Kuma ko da ƙasa da haka, da ciwon warkewa da zafi. Yana ƙara damuwa da kuzari waɗanda yawancin mutane ba za su so su samu ba. Lokacin karanta ginshiƙi, ƙila a jarabce ku don rage asarar ku ta hanyar kunna shi lafiya. Bayan haka, shin mafita ɗaya ba za ta kasance a ci gaba da yin nasara ba, koda kuwa da ƴan kashi kaɗan ne, kuma ba za a taɓa yin rashin nasara ba? Kuna yin dogon wasan, dama?
Duk da haka, wannan ka'idar "koyaushe mai nasara" tana zuwa da abubuwa da yawa:
Na farko, rayuwar ku tana da iyaka. Lokacin ku ba shi da iyaka mara iyaka. Haka abin yake ga sauran albarkatun ku, musamman na kuɗi. Dole ne ku karɓi asara kuma ku inganta jarin ku ta yadda, a matsakaici, ku fito gaba.
Na biyu, ba ku sarrafa kasuwa. Ana haifar da asarar ta hanyar samun kuɗi, sanarwa, da sauran abubuwan faɗuwa. Wasu suna dadewa, wasu na ɗan lokaci. Ku san bambancin.
Na uku, hasara na iya zama damar ƙarfafa matsayin ku. Siyan hannun jari na tsaro iri ɗaya a farashi mai ƙanƙanci zai rage matsakaicin kuɗin sayan ku. Wannan zai ƙara haɓaka ribar ku. Dubi waɗannan asarar a matsayin dama.
Na hudu, samfurin da ke da ƙananan ƙima zai sami ƙananan dawowa. Yin hakan, da kyar zai fi hauhawar farashin kayayyaki. Wannan shi ne yanayin tare da asusun Yuro, wanda aka ba da garantin a 3% a kowace shekara, wanda, lokacin da aka fuskanci hauhawar farashin kayayyaki a 10% a kowace shekara, ya sami dawowar 10% - 3% = -7%, watau, koma baya mara kyau. Ta hanyar yin fare a kan amintattun hannun jari, za ku yi asara saboda hauhawar farashin kayayyaki.
Don cin nasara, ba ku da wani zaɓi. Dole ne ku ɗauki kasada. Wannan yana nufin neman hannun jari tare da babban canji. Yayin da rashin daidaituwa yana da ban sha'awa, yana buƙatar ko da maɗaukakiyar canzawa (mai girma) don dawo da asarar. Iyakar garantin da kake da ita na samun farfadowa shine ainihin ƙimar haja da ka mallaka. Kula da hankali na musamman don zaɓar hannun jari tare da kyakkyawan tushe. Nemo shugabanni a fagen su, masu cin gashin kansu, masu girma-da-kasuwa, kasuwanci-zuwa-kasuwanci (B2B), tare da makoma mai albarka.
Ikon Lokaci
Da zarar ka ƙayyade abin hawa na hannun jari, ƙila za ku so ku tsara kanku nan gaba don ganin nawa jarin ku zai sami ku shekaru da yawa daga yanzu.
Ana lissafta ribar da aka samu kamar haka:
Misali 1: Adadin 80 EUR a 10% sama da shekaru 20:
Sakamako
80 x (1 + 10%) ^ 20 = 80 x 1.10 ^ 20 = 538
Da yawa
538 / 80 = x7
Misali 2: Adadin 250 EUR a 7% sama da shekaru 30:
Sakamako
250 x (1 + 7%) ^ 30 = 250 x 1.07 ^ 30 = 1 903
Da yawa
1 903 / 50 = x 8
Ga wasu misalai tare da adadin 100 EUR, zuba jari a 10%, 20% ko 30%, a tsawon shekaru 10, shekaru 20, shekaru 30 ko 40 shekaru.
| Adadin | Rate | Shekaru | Sakamako | Da yawa |
| 100 EUR | 10% | shekaru 10 | 259 EUR | x3 |
| 100 EUR | 10% | shekara 20 | 673 EUR | x7 |
| 100 EUR | 10% | shekara 30 | 1 745 EUR | x17 |
| 100 EUR | 10% | shekara 40 | 4 526 EUR | x45 |
| 100 EUR | 20% | shekaru 10 | 619 EUR | x6 |
| 100 EUR | 20% | shekara 20 | 3 834 EUR | x38 |
| 100 EUR | 20% | shekara 30 | 23 738 EUR | x237 |
| 100 EUR | 20% | shekara 40 | 146 977 EUR | x1 470 |
| 100 EUR | 30% | shekaru 10 | 1 379 EUR | x14 |
| 100 EUR | 30% | shekara 20 | 19 005 EUR | x190 |
| 100 EUR | 30% | shekara 30 | 262 000 EUR | x2 620 |
| 100 EUR | 30% | shekara 40 | 3 611 886 EUR | x36 119 |
Wata hanyar duba wannan tebur:
Matsalolin daidaitawa sune:
- Yawan Shekaru: Ƙarfafawa> Ƙaruwa: Lokaci = Kuɗi
- Yawan Komawa: Kashi Kashi: Dangane da adadin tushe
- Adadi: Tushen da masu haɓaka dukiya biyu suka dogara akansa
Zazzage na'urar kwaikwayo ta Zuba Jari:
Ƙananan Rangwame
Ƙarshe
00:00Da zarar kun gudanar da wasan kwaikwayo na saka hannun jari, lokaci ya yi da za ku ɗauki mataki. Bari mu ga dillalan da za ku yi amfani da su don buɗe asusun kasuwancin hannun jari.
Dillalai
Akwai cibiyoyi na musamman da ake kira dillalai, waɗanda aikinsu shine ba ku damar riƙe hannun jari. Waɗannan dillalai sune ga kasuwannin hannun jari abin da bankuna ke zuwa kuɗin ku: wuraren ajiya da musayar. Rijista tare da dillalai kyauta ne 100%. Idan kun cika wasu sharuɗɗa, zaku iya amfana daga kari mai kyau.
Yi amfani da kamfanoni masu zuwa:
Faransa (FR)
220 EUR tayi
Asusun kyauta
Ƙananan Rangwame
Ƙarshe
00:00Jamus (DE)
Ƙananan Rangwame
Ƙarshe
00:00Amurka (US)
1000 USD tayin
Asusun gratuit
Ƙananan Rangwame
Ƙarshe
00:00Société Générale, wani bankin Faransa ne ke kula da Boursobank.
Jamhuriyyar Ciniki tana ƙarƙashin ikon BaFin na Jamus. Ana sayar da hannun jari da farko akan Xetra, kasuwar Jamus.
Interactive Brokers dillali ne na Amurka. Za a dauki nauyin hannun jarinku a cikin Amurka. Lokacin buɗe asusun ku, idan kun kasance mafari, bayyana cewa kuna da shekaru 5 na gogewar kasuwancin hannun jari da ƙwarewar sifili a cikin komai. Lokacin da aka tambayeka wane nau'in asusun da kake son buɗewa, Cash ko Margin, zaɓi Cash. Wannan zai hana ku kashewa fiye da abin da kuke da shi (sifili rance). Daga nan za a ɗauke ku a matsayin abokin ciniki mara ƙarancin haɗari. Da zarar an buɗe asusun, je zuwa zaɓuɓɓukan kuma kunna farashin Tiered. Sayayyarku yanzu kusan kyauta ne. Dangane da abubuwan da kuka zaɓa, kunna kasuwanni da hannu da kuke son saka hannun jari.
Babi na 12Haraji
Ƙimar haraji mai inganci
Jihar na sata daga gare ku, a bayyane yake. Amma nawa daidai? Don auna yawan satar albarkatun ku, kuna buƙatar ƙididdige ƙimar haraji mai tasiri. Ma'ana, jimlar adadin harajin da aka yi amfani da ku. Wannan ya haɗa da haraji, gudummawa, inshora na tilas (fensho, rashin aikin yi), da sauransu. A takaice, duk abin da aka sanya muku.
Tsarin lissafin shine kamar haka:
- Yawan haraji A: 50% = 0.5
- Yawan haraji B: 20% = 0.2
- Rago: (1 - 0.5) x (1 - 0.2) = 0.4 = 40%
- Ƙimar haraji mai inganci: 1 - 0.4 = 60%
Lura cewa ninkawa ba zai yuwu ba. Tsarin abubuwan da aka ninka ba su da mahimmanci.
Akwai fiye da hukunce-hukunce 250 a duniya, kuma wasu, kamar Jamhuriyar gurguzu ta Faransa, suna da nauyi haraji, tare da haraji sama da 400. Ba za mu yi cikakken bayani ba a nan. Anan ga taƙaitaccen bayani game da abin da za ku jira idan kuna son ƙara yawan kuɗin shiga:
| Hukunci | Levy | Sharhi | Rate |
| FR | Kamfanin VAT | Ƙarin Harajin Ƙimar (Ƙungiyoyin Shari'a) | 20% |
| FR | Kudin shiga na kamfani | Ƙungiyoyin doka | 30% |
| FR | Kudin shiga | Mutane | 45% |
| Amurka, FR | Harajin jari | Securities (Kasuwancin Hannu) | 15 + 15 = 30% |
| FR | VAT | Harajin Ƙimar Ƙimar (Mutane) | 20% |
| FR | Dokar Gado | Harajin Gado | 50% |
A cikin wannan simintin, mun ƙara VAT na kamfani. Wannan yana da tasiri saboda yana wakiltar ƙimar damar. A cikin hukunce-hukuncen da suka aiwatar da VAT, wannan adadin gwamnati ne ke karba maimakon shiga aljihun ku. Muna kuma ɗauka cewa za ku saka hannun jari a cikin amintattun Amurka, wanda shine kasuwa mafi ƙarfi har yau. A ƙarshe, mun ƙara harajin gado, idan kuna son yin wasiyya da wani ɓangare na kadarorin ku bayan mutuwar ku.
Mu kalli tasirin waɗannan harajin haraji:
- Yawan haraji A: 20% = 0.2
- Yawan haraji B: 30% = 0.3
- Yawan haraji C: 45% = 0.45
- Yawan haraji D: 30% = 0.3
- Yawan haraji E: 20% = 0.2
- Yawan haraji F: 50% = 0.5
- Rago: (1 - 0.2) x (1 - 0.3) x (1 - 0.45) x (1 - 0.3) x (1 - 0.2) x (1 - 0.5) = 0.086 = 9%
- Ƙimar haraji mai inganci: 1 - 0.09 = 91%
A cikin wannan tsarin, duk lokacin da kuka taɓa tsabar kudi 10, Jiha na sace muku 9.
Babu buƙatar zana muku hoto. Wannan ƙimar haraji mai tasiri ta kwace.
Zazzage na'urar kwaikwayo ta Tax:
Ƙananan Rangwame
Ƙarshe
00:00EAR
Domin kwace muku kadarorinku, dole ne gwamnati ta fara gano su. Wannan shine makasudin aikin Turai mai suna EAR (European Asset Registry). Wannan ma'ajiya ce ta duk wani abu na duk mazauna Tarayyar Turai (mazaunin haraji ko a'a). Mai ba da lamuni, kamar Jiha, zai sami lada a kan ku. Za ta iya korar ku daga duk abubuwan da aka lissafa a can. An yi barazana ga dukiyar ku.
Zazzage Nazarin Yiwuwar Kan Rajistar Kadarorin Turai (shafukan 11):
Ƙananan Rangwame
Ƙarshe
00:00Kuna iya tunanin cewa idan kun kiyaye ƙarancin bayanan martaba, kadarorin ku za su kasance cikin aminci daga ikon Tarayyar Turai. Koyaya, ba haka lamarin yake ba idan kuna amfani da hanyar sadarwar biyan kuɗi SEPA. Bari mu kalli yadda SEPA ke cin amanar dukiyar ku.
SEPA
SEPA (Single Euro Payments Area) shine tsarin biyan kuɗi na Turai. Duk ma'amaloli da ke wucewa ta hanyar SEPA ana yin rikodin su kuma hukumomin Turai suna kula da su. SEPA tana bin cikakken komai. Wannan yana ba hukumomin Tarayyar Turai damar tattara jerin kadarorin ku da abokan kasuwanci. Har ila yau, ya bayyana adadin kuɗin da ake aikawa tsakanin waɗannan ƙungiyoyi.
Wannan yana haifar da rashin tsaro a cikin kariyar kadarorin ku. Gwamnatin da ke da masaniyar kadarorin ku na iya yanke shawarar kwace su. Yana iya zama kamar yadda cikin sauƙi ba zato ba tsammani keɓance abokan hulɗar ku daga hanyar sadarwar SEPA, don haka ba za ku iya kusantar ku ba (Cancel al'ada).
Mazaunan haraji na Turai na iya amfani da hanyar sadarwar biyan kuɗi ban da na yankin tattalin arzikinsu. Ya kamata mazaunin Turai ya yi amfani da hanyar sadarwar SWIFT ta Amurka ko ACH / ABA (American Bankers Association) a duk lokacin da zai yiwu.
Ta amfani da wata hanyar sadarwa ta wani yanki, kuna raba nauyi da tashoshi na rarraba. Wannan yana taimakawa kiyaye sirrin ma'amalar ku, aƙalla a cikin ikon mazaunin ku na haraji. Mafi nagartaccen sigar wannan haɓakawa ya haɗa da amfani da cryptocurrency.
Daskarewa na janyewa
Lokacin da jihar ta sami kanta a cikin fatara, gabaɗaya ta yanke shawarar ƙara nauyin haraji. Koyaya, lokacin da wannan tsarin bai isa ba, jihar ta kwace asusun ajiyar kuɗi.
Wasu jihohi sun zartar da dokokin da ke ba su damar daskare duk abin da kuka cire na tsawon watanni uku zuwa shida. Wannan yana ba su damar kwace ajiyar ku ta hanyar doka a cikin wannan lokacin.
Limiter ou interdire temporairement l'exercice de certaines opérations ou activités (...) Suspendre, restreindre ou interdire temporairement la libre disposition de tout ou partie des actifs (...) Prononcer le transfert d'office de tout ou partie d'un portefeuille (...) période maximale (...) six moisƘayyade ko na ɗan lokaci hana motsa jiki na wasu ayyuka ko ayyuka (...) Dakatar, ƙuntatawa ko na ɗan lokaci haramta zubar da duk ko ɓangaren kadarorin kyauta (...) Faɗar canja wurin atomatik duk ko ɓangaren fayil (...) matsakaicin lokacin (...) watanni shida.Zazzage dokar da ke ba da izinin daskarewa cire kuɗin ku:
Ƙananan Rangwame
Ƙarshe
00:00Wannan yanayin ba ƙagagge ba ne. A cikin 2015, Tarayyar Turai ta aiwatar da wannan shirin a Girka. Bisa shawarar gwamnati, an rufe bankuna. An aiwatar da sarrafa babban birnin. An iyakance fitar da ATM zuwa 60 EUR a kowane mako a kowane asusun banki.
Wannan shine dalilin da ya sa yana da mahimmanci don buɗe asusun banki da yawa da wuri-wuri.
Lokacin da aka zartar da irin wannan doka a cikin wani yanki, yana nufin cewa gwamnatin da ke gudanar da wannan hurumin tana shirin cirar bashi. Tana tsammanin umarni daga masu bin ta don a kashe mutane da yunwa. Fassara wannan siginar a matsayin buƙatu don yin shiri don wannan lamarin.
CMU / SIU
CMU (Capital Markets Union) ko SIU (Savings and Investments Union) wata hanya ce ta tilas ta Tarayyar Turai wacce ke haɓaka ba da jarin jari. Babban jarin da aka tattara zai zama jingina ta yadda Tarayyar Turai za ta iya rance. Ga masu biyan haraji, wannan wani nau'i ne na amincewa da jarin su.
The CMU is the EU's plan (...) It aims to get investment and savings flowing (...) the CMU will mobilise capital in Europe (...) Ensuring that the EU's economic recovery is (...) inclusive (...) a single market for capital (...) In order to (...) prevent tax fraud, the Commission will propose a common, standardised, EU-wide system for withholding tax relief at source (...) Public funds will not be sufficient to meet these financing needs. An efficient single market for capital is needed to mobilise the necessary funds (...) A CMU ne EU ta shirin (...) Yana nufin samun zuba jari da kuma tanadi gudãna (...) da CMU za su tattara babban birnin kasar a Turai (...) Tabbatar da cewa EU ta tattalin arziki dawo da shi ne (...) m (...) guda kasuwa ga babban birnin kasar (...) Domin ya (...) hana haraji zamba, Hukumar za ta ba da shawara na kowa, daidaitattun, EU-fadi na haraji ga tsarin da jama'a ba za su hadu da tsarin tallafi na jama'a ba. bukatun kudi. Ana buƙatar ingantacciyar kasuwa guda ɗaya don babban jari don tara kuɗin da ake buƙata (...)Samun jarin ku a ƙarƙashin kulawa yana nufin ba za ku yanke shawarar abin da aka saka kuɗin ku ba. Gwamnati ta yi muku haka. Ko ya sami riba ko a'a. Ba a la'akari da ra'ayin ku. Idan kun ƙi, ana saka muku haraji. Idan kun janye kafin ƙarshen wa'adin, ana biyan ku haraji. Idan kun bari ya faru, kuɗin ku yana cinyewa. Ko ta yaya, ka rasa.
Zazzage tsarin dokar CMU / SIU (shafukan 5 + 7):
Ƙananan Rangwame
Ƙarshe
00:00Yana da mahimmanci a sanar da ku game da canje-canjen majalisa, musamman idan sun shafi ajiyar ku. Tunanin kwace asusun ajiyar ku na banki yana da ban tsoro. Kuma yaya game da sanya su a ƙarƙashin karɓar kuɗi, ko rashin samun damar shiga kuɗin da aka adana a wurin?
Kuna da 'yancin jin daɗin kuɗin da kuke samu kyauta. Kuna da damar adana rarar kuɗin ku. Kuɗin ku ne.
Duk da haka, gwamnati ba ta yarda ba. Yana so ya sarrafa ku. Don yin wannan, yana da ƙaƙƙarfan kayan aiki a wurinsa: CBDC.
CBDC
Barter ya wanzu tuntuni. Wannan tsarin, ko da yake ajizi ne, ya ba da damar musayar kaya da wani, don haka ya inganta kasuwanci da kuma ƙwararrun kowane mutum a cikin al'umma. Duk da haka, wasu kayayyaki sun kasance masu lalacewa, kuma dole ne a cinye su ko musanya su da sauri, a cikin hadarin ganin an shafe darajar su ta hanyar lokaci. Don magance wannan matsala, an ƙirƙira kuɗi. An yi amfani da ƙarfe, sannan takarda, duka ɓatacce. Ta wannan hanyar, ana iya aiwatar da musanya mara lalacewa kuma daidai, mai juriya ga ɓarnawar lokaci. Wannan bidi'a ta ba da damar ajiyar kuɗi, don haka sake fasalin ƙa'idodin iko a cikin al'umma.
Wannan damar ajiyar kuɗi ba ta da kyau ga Jiha. Lallai, Jiha na son ta mallake ku. Don hana ku daga 'yantar da kanku, Jiha ta sanya hannu kan taswirar WEF (World Economic Forum) mai suna Agenda 2030. Wannan yana ba da tsarin kuɗi da ake kira CBDC (Central Bank Digital Currency). Wannan gidan yarin na kuɗi, wanda aka yi masa wahayi ta bauchi na gidan abinci da sauran takaddun shaida, ba da jimawa ba za a tura shi don maye gurbin kuɗin yanzu.
Tout en reconnaissant la nécessité d’introduire une limite aux avoirs en euros numériques pour chaque utilisateur de l’euro numérique, l’EDPB et le CEPD signalent qu’une telle caractéristique suppose automatiquement la perte de l’anonymat total et un certain degré de traitement de données à caractère personnelYayin da ake yarda da buƙatar gabatar da ƙayyadaddun ƙayyadaddun kuɗin Euro na dijital ga kowane mai amfani da Yuro na dijital, EDPB da EDPS sun nuna cewa irin wannan sifa ta atomatik yana nuna asarar cikakken ɓoyewa da kuma wani mataki na sarrafa bayanan sirri.l’enregistrement de toutes les opérations en euros numériques en ligne, quel que soit leur montant, ne semble pas conforme à l’objectif de la proposition visant à soutenir la protection des données rikodin duk ma'amaloli na dijital na kan layi, ba tare da la'akari da adadin su ba, bai bayyana daidai da manufar ba da shawarar don tallafawa kariyar bayanai ba.L’article 15, paragraphe 1, de la proposition prévoit que l’utilisation de l’euro numérique comme réserve de valeur peut être soumise à des limites.Mataki na ashirin da 15(1) na shawarwarin ya tanadi cewa amfani da kuɗin dijital a matsayin ma'ajin ƙima na iya zama ƙarƙashin iyaka.L’article 16, paragraphe 1, de la proposition énonce que la BCE élabore des instruments visant à limiter l’utilisation de l’euro numérique comme réserve de valeur et décide de leurs paramètres et de leur utilisationMataki na 16 (1) na shawarwarin ya bayyana cewa ECB za ta samar da kayan aiki don iyakance amfani da kudin Euro na dijital azaman ma'ajin ƙima da yanke shawara akan sigogi da amfani da su. pour garantir que la limite de détention ne sera pas dépassée par l’utilisateur de l’euro numérique (...) L’EDPB et le CEPD insistent sur l’importance de veiller à ce que l’euro numérique ne soit pas une «monnaie programmable».don tabbatar da cewa mai amfani da Yuro na dijital ba zai wuce iyakar riƙewa ba (...) EDPB da EDPS sun dage kan mahimmancin tabbatar da cewa Euro dijital ba " kuɗin da za a iya tsarawa ".À cet égard, ils soulignent la distinction entre la monnaie programmable, définie dans la proposition comme étant des «unités de monnaie numérique dotées d’une logique intrinsèque qui limite la pleine fongibilité de chaque unité» A wannan batun, suna nuna bambanci tsakanin kudi na shirye-shirye, wanda aka bayyana a cikin tsari a matsayin "raka'a na kudi na dijital tare da ma'ana mai mahimmanci wanda ke ƙayyade cikakken fungibility na kowane naúrar" un euro numérique programmable entraînerait des risques élevés et inacceptables en matière de protection des données Yuro na dijital wanda za'a iya tsara shi zai haifar da haɗari mai girma kuma wanda ba za a yarda da shi baAnan ga halayen waɗannan CBDC :
- Kuɗin Kibiya: Sarrafa amfani. Hukunci idan kun ƙi: Ba za ku iya sayarwa ko saya ba
- Kuɗin da ke lalacewa: Dole ne a kashe shi kafin takamaiman kwanan wata. Hukunci idan kun ƙi: Asarar ƙimar dindindin
- Kudin shirye-shirye: Ana iya gogewa daga nesa. Kasance dan kasa nagari. Hukunce-hukuncen ƙin yarda: Asarar ƙima ta dindindin
Zazzage ra'ayi akan CBDC na Turai, wanda kuma ake kira Digital Euro (shafukan 39):
Ƙananan Rangwame
Ƙarshe
00:00Misali, maimakon albashin ku, jihar za ta ba ku rance, ta hanyar bauchi na lantarki, 100 EUR don kashe tufafi, 300 EUR don ciyarwa kan abinci, 500 EUR don kashewa kan gidaje. Abubuwan amfani za su kasance masu tsattsauran ra'ayi. Ba za a iya amfani da kuɗin da aka keɓe don gidaje don abinci ba. Kuma akasin haka. Wannan kudin zai zama nadi; ba za ku iya musanya shi da abokan aikinku ko maƙwabtanku ba. Dole ne ku yi amfani da shi a cikin wata 1, ko ya ɓace. Idan kuka soki gwamnati, ko kuma ba ku mutunta manufofin da jihar ku ta sanya, wannan kudin zai kare. Nan take. Ban da wannan, tunda ba za ku iya adanawa ko musanya shi ba, ba zai yuwu ku zama mai shi ba. Za ku kasance cikin dogaro har abada ga jihar. Za ku zama bawa har abada, ba za ku iya barin shuka ba.
You'll own nothing and be happy
World Economic ForumBa za ku mallaki komai ba kuma ku yi farin ciki
Dandalin Tattalin Arzikin DuniyaWaɗannan CBDC suna tunawa da wani labarin dystopian na jerin Black Mirror, yana ci gaba da wuce gona da iri na ƙimar zamantakewa, wato sarrafa ayyukan 'yan ƙasa ta hanyar tsarin maki. Kuna iya tunanin wannan almara ce. Koyaya, CBDC an riga an fara aiwatar da su a wasu yankuna. Tarayyar Turai, alal misali, ta tsara wannan gwajin don 2030.
Da zarar an aiwatar da CBDC, za a sarrafa yawan kuɗin ku. Zai yi matukar wahala a gare ku ku kubuta daga wannan gulmar kuɗi.
Dole ne ku nemo hanyar fita daga wannan yanayin, da sauri. Wannan dole ne ya zama fifikonku.
Yardar Haraji
Wataƙila ka ga waɗannan bidiyon intanet na mutanen da ba a sani ba suna gaya wa jami'an gwamnati, "Ba na shiga kwangila." Yayin da fom ɗin zai iya barin wani abu da ake so, abu yana da inganci bisa doka. Yarda ita ce ƙa'ida ta asali. Don haka, a haƙiƙanin gaskiya, cewa haƙƙin ɗan adam ne wanda ba za a iya tauyewa ba kuma ba a iya fayyace shi.
Mataki na 2 na ayyana haƙƙin ɗan adam da na ɗan ƙasa, 26 ga Agusta, 1789:
Le but de toute association politique est la conservation des droits naturels et imprescriptibles de l'Homme. Ces droits sont la liberté, la propriété, la sûreté, et la résistance à l'oppression. Manufar kowace ƙungiya ta siyasa ita ce kiyaye haƙƙin ɗan adam na halitta da wanda ba a iya fayyace shi ba. Waɗannan haƙƙoƙin su ne ' yanci, dukiya, tsaro, da juriya ga zalunci.Mataki na 14 na ayyana haƙƙin ɗan adam da na ɗan ƙasa, 26 ga Agusta, 1789:
Tous les Citoyens ont le droit de constater, par eux-mêmes ou par leurs représentants, la nécessité de la contribution publique, de la consentir librement d'en suivre l'emploi, et d'en déterminer la quotité, l'assiette, le recouvrement et la durée.Duk 'yan ƙasa suna da hakkin su tabbatar, ta kansu ko ta hanyar wakilansu, buƙatar gudunmawar jama'a, don yarda da su kyauta, duba yadda ake amfani da su, da kuma ƙayyade adadinsu, tushe, tattarawa da tsawon lokacin.Wannan muhimmin rubutun juyin juya halin Faransa yana cikin gabatarwar kundin tsarin mulkin Faransa na 4 ga Oktoba, 1958. Yana da ginshiƙi na abin da ake kira matsayi na ka'idoji, ciki har da matakin duniya.
Zazzage Bayanin Haƙƙin Dan Adam da na ɗan ƙasa, Agusta 26, 1789:
Ƙananan Rangwame
Ƙarshe
00:00Maganar doka don yarda ita ce GDPR (Dokar Kariya ta Gabaɗaya). Wannan dokar Turai tana gudanar da manufar yarda ga duk takaddun.
Don zama mai inganci, izini dole ne:
- Wanda ake zaton ya ki
- Don fadakarwa
- An tabbatar sau 2
- Ajiye akan matsakaici mai dorewa
- Don ƙi a kowane lokaci
- Idan aka ƙi: Kar a nuna ƙasƙantar kwarewa
Zazzage rubutun dokar GDPR (shafukan 88):
Ƙananan Rangwame
Ƙarshe
00:00Ta hanyar tsohuwa, idan ba a yi zaɓi ba, an ƙi amincewar ku (You are Out-out). Wani mataki daga bangaren ku ne kawai zai iya kaiwa ga yardar ku (Ficewa).
Dole ne a sanar da zaɓinku kuma a haskaka. Dole ne ku san abubuwan da ke faruwa, don haka tasiri da tasiri, waɗanda yardar ku ke da ita akan kanku ko wasu. Wannan yana nuna cewa ɓoyayyun illolin, da kuma yarda tilas (a ƙarƙashin barazana) ko aka samu ta hanyar cin zarafi na rauni, ba da izini ba, wanda daga nan za a ɗauke shi marar gaskiya.
Dole ne a tabbatar da yarda ta hanyoyi biyu masu zuwa. Misali, tare da akwati DA danna kan maballin.
Ajiye akan matsakaici mai tsayi yana nufin cewa dole ne ku sami damar samun damar wannan izinin a kowane lokaci daga hanyar lantarki da kuke sarrafawa, ta yadda zaku iya gyara ta idan ya cancanta. Wannan matsakaicin matsakaici na iya zama akwatin saƙo na imel ɗin ku.
Dole ne ku sami damar gyara, don haka janye, izinin ku a kowane lokaci. An gaji wannan haƙƙin daga CNIL (Hukumar Fasahar Watsa Labarai da 'Yancin Jama'a) akan gyaran bayanai, wanda ya riga ya zama GDPR.
ƙin yarda dole ne ya kasance yana da wani mummunan tasiri akan gogewar ku ta yau da kullun tare da mai bada sabis. Misali, ƙin yarda da gudummawar jama'a ba zai iya hana ku ci gaba da zama ɗan ƙasa ba, yin motsi cikin 'yanci, shiga babban birnin ku, ko amfana daga samun ruwa, wutar lantarki, da intanet (sabis ɗin da kuke biya).
Don haka, idan a halin yanzu kuna biyan haraji, saboda kawai kun yarda dasu a wani lokaci a rayuwar ku. Asalin wannan yarda ya ta'allaka ne a cikin koyaswar da kuka yi tun kuna yaro. Jihar ta aiwatar da tsarin ƙaddamarwa na yau da kullun a cikin kwakwalwar ku lokacin da kuke rauni, masu rauni, da sauƙin sarrafa ku. Don haka dole ne ku 'yantar da kanku daga wannan shirye-shiryen kuma ku nuna alamar ƙarshen yardar ku.
Dangane da ƙa'idodin da nassosi suka ba da tabbacin, yana da cikakkiyar yarda a ƙi yarda da gudummawar jama'a, kamar yadda gwamnati ta buƙata. Sai dai yana iya yiwuwa, a aikace, masharhancin ku na gida, wanda ya saba da murkushe talakawa ta hankalce da tilastawa, ba ya raba muradin ku na kubutar da kanku daga rikon sa.
Dole ne ku nemo hanyar da za ku daidaita wannan asymmetry na albarkatun tare da manufofin ku na 'yanci.
Bari mu ga ko ciyawa ta fi kore a wani wuri. Mu fadada tunaninmu.
Babi na 13Daga cikin teku
Inganta haraji
Takardun Pandora, Takardun Aljanna, Leaks Bahamas, Leaks Offshore... Wuraren haraji, ko hukunce-hukuncen haraji, su ne batun tattaunawa da yawa. A zahiri, idan aka kwatanta da jahannama na harajin da kuke fuskanta, duk wani iko a duniya wurin haraji ne.
Gwamnati ta yi tir da kin biyan haraji, duk da cewa ta zama yanki mai tsaka tsaki na doka. Gwamnati ta yi kiyasin cewa kare kadarorinta zai fuskanci hukunci, duk kuwa da cewa abu ne na dabi'a kuma cikakke na shari'a. Gwamnati ta kan yi amfani da jahilcin ’yan kasarta don sanya wadanda abin ya shafa su ji laifin su na son fita. Kada ku yarda da wannan ƙananan matakin magudi.
A ranar 6 ga Janairu, 2025, an gayyace shi zuwa shirin gidan talabijin na Faransa Les 4 Vérités, Ministan Kula da Asusun Jama'a na Jamhuriyyar gurguzu ta Faransa ya bayyana cewa inganta haraji ba bisa ka'ida ba.
"L'optimisation fiscale, elle n'est pas illégale"
Amélie de Montchalin, French Minister of Public Accounts " Haɓaka haraji ba bisa doka ba "
Amélie de Montchalin, Ministan Asusun Jama'a na FaransaA cikin sauran jerin wannan, wannan ministar ta bayyana cewa tana son yaƙar haraji "fiye da ingantawa" ta hanyar sanya " ƙarin caji ".
Wadannan neologisms ("over-ptimization", "surtax") suna nuna niyyar sanya shi laifi don ingantawa fiye da wani ƙofa, wanda jamhuriyar gurguzu ta Faransa ke ganin ba za ta amince da ita ba. Wannan sabon laifin na "fiye da ingantawa" zai yi daidai da manufar zamba a cikin dokar Faransa.
Da fatan za a kula, duk da haka, cewa ruɗani na iya tasowa tsakanin kalmomin da ma'anarsu saboda harshen da ake tambaya:
| Shari'a | Kalmar Ingilishi | Kalmar Faransanci | Bayani |
| Shari'a | Avoidance | Evasion | Ba a sani ba ko wannan yaudara ne ko ingantawa. |
| Ba bisa doka ba | Evasion Fraud | Fraude | Jihar ta yi la'akari da cewa kuna satar kudin da ta fara sace muku. |
| Shari'a | Optimization Planning | Optimisation Planification Habileté | Kuna amfani da dokokin duniya don kare kadarorin ku |
Za a iya amfani da wasu kalmomin gama gari, kamar ƙage ko rage girman kai, yana sa waɗannan ra'ayoyin su zama masu ruɗani.
Abu mafi mahimmanci da za a tuna shi ne kalmar Evasion ba bisa ka'ida ba a cikin hukunce-hukuncen dokokin Ingilishi, duk da cewa ya halatta a cikin hukunce-hukuncen dokokin Faransa. Don guje wa kowane shubuha, koyaushe yi amfani da kalmar Haɓaka (haƙiƙa). Ana fahimtar wannan kalma guda ɗaya kuma ana karɓa a cikin dukkan hukunce-hukuncen da kowane ɗaiɗaikun mutane, ba tare da la'akari da matakin iliminsu na shari'a da tsangwama ba.
A cikin rahotannin da 'yan kaɗan za su karanta, wasu jihohin da kansu sun gane wannan bambanci a cikin sharuddan.
Le débat public fait référence à la notion de fraude pour qualifier des actions et des comportements très hétérogènes.Muhawarar jama'a tana nufin ra'ayin zamba don bayyana ayyuka da ɗabi'u masu ban sha'awa.l’optimisation, qui désigne le fait pour un contribuable de choisir, parmi les possibilités offertes par la loi, celle qui apparaît la moins coûteuse ; il s’agit donc d’un comportement légalingantawa, wanda ke nufin gaskiyar cewa mai biyan haraji ya zaɓa, daga cikin damar da doka ta bayar, wanda ya bayyana mafi ƙarancin tsada ; saboda haka hali ne na shari'al’évasion fiscale, qui qualifie l’ensemble des opérations destinées à réduire le montant des prélèvements dont le contribuable doit normalement s’acquitter, et dont la régularité est incertainekaucewa biyan haraji, wanda ke bayyana dukkan ayyukan da aka yi niyya don rage yawan harajin da mai biyan haraji ya kamata ya biya, wanda kuma ba a tabbatar da shi ba.les irrégularités fiscales, qui regroupent l’ensemble des comportements, volontaires ou non, de bonne ou de mauvaise foi, qui aboutissent à diminuer le montant d’un prélèvement obligatoire ; les irrégularités relèvent donc dans certains cas d’erreurs commises par le contribuable, et dans d’autres cas, de comportements frauduleux rashin bin ka'ida na haraji, wanda ya haɗa da duk ɗabi'a, na son rai ko a'a, cikin bangaskiya mai kyau ko rashin imani, wanda ke haifar da rage adadin harajin dole; don haka rashin bin ka’ida yana tasowa a wasu lokuta daga kurakuran da mai biyan haraji ya yi, a wasu lokuta kuma, ta hanyar yaudara.la fraude fiscale (...), qui implique une violation délibérée et consciente de la réglementation en vigueur; de même la fraude aux cotisations sociales définit les comportements délibérés de travail dissimulé qui ont notamment pour but d’éluder tout ou partie des contributions dues. zamba na haraji (...), wanda ya haɗa da gangan da gangan keta dokokin da ke aiki; Hakazalika, zamba ta hanyar ba da gudummawar tsaro ta zamantakewar al'umma ta bayyana halin ganganci da ke tattare da aikin da ba a bayyana ba , wanda manufarsa ita ce kaucewa duka ko wani ɓangare na gudunmawar da ya kamata.la notion d’écart fiscal (...) la différence entre ce qui devrait être recouvré si la loi fiscale et sociale avait été parfaitement respectée et ce qui a été effectivement recouvré. L’écart fiscal va au-delà des seules irrégularités puisqu’il concerne aussi les sommes non recouvrées du fait de l’insolvabilité d’un contribuable ou des remises gracieuses qui lui auraient été accordéesra'ayi na ratar haraji (...) bambanci tsakanin abin da ya kamata a dawo da shi idan an mutunta dokar haraji da zamantakewa da kuma abin da aka samu a zahiri. Gibin harajin ya wuce rashin bin ka’ida shi kadai tunda kuma ya shafi kudaden da ba a kwato ba saboda rashin biyan harajin ko kuma rangwamen alheri da za a yi masa.Zazzage taƙaitaccen bayani kan zamba a cikin harajin tilas (shafuna 21):
Ƙananan Rangwame
Ƙarshe
00:00Rahoton na Faransa game da zamba a cikin harajin dole shima ya fayyace wannan ma'anar:
il convient d’emblée de souligner que la fraude se caractérise par un élément intentionnel. Sont fraudés les prélèvements intentionnellement éludés par le contribuable. À l’inverse, les irrégularités résultant d’une erreur matérielle ou d’une interprétation inexacte ne relèvent pas de ce champ. De la même façon, l’utilisation de dispositifs légaux permettant de réduire la charge d’un prélèvement relève de l’optimisation et non de la fraude, quel que soit le jugement qui peut être porté par ailleurs sur ce type d’opération. La frontière est cependant bien souvent floue entre l’optimisation légale et une interprétation des textes fiscaux constitutive d’un « abus de droit », qui sera en pratique réprimée sous le contrôle du juge comme une fraude. Enfin, irrégularités et fraude sont des composantes d’une notion plus large, appelée « écart fiscal » (tax gap selon la terminologie anglo-saxonne). Cette notion (...) s’entend de la différence entre ce qui aurait dû être perçu si les textes fiscaux et sociaux relatifs aux prélèvements avaient été pleinement appliqués et ce qui a été effectivement recouvré par l’administration fiscale et les réseaux de recouvrement des cotisations sociales Ya kamata a lura tun da farko cewa zamba yana da alaƙa da wani abu na ganganci. Ana ɗaukar ragi da mai biyan haraji ya kaucewa da gangan a matsayin yaudara. Sabanin haka, rashin daidaituwa da ke haifar da kuskuren abu ko fassarar da ba ta dace ba ba ta shiga cikin wannan iyakar. Hakazalika, yin amfani da hanyoyin shari'a don rage nauyin cirewa wani lamari ne na ingantawa ba zamba ba, ba tare da la'akari da hukuncin da za a iya yankewa kan irin wannan aiki ba. Duk da haka, sau da yawa layin yana da duhu tsakanin inganta doka da fassarar rubutun haraji da ke zama "cin zarafin haƙƙin", wanda a aikace za a danne shi a ƙarƙashin ikon alkali a matsayin zamba. A ƙarshe, rashin bin ka'ida da zamba sune abubuwan da ke da fa'ida mai fa'ida, wanda ake kira " gapharaji " (a cikin kalmomin Anglo-Saxon). An fahimci wannan ra'ayi (...) a matsayin bambanci tsakanin abin da ya kamata a tattara idan an yi amfani da haraji da rubutun zamantakewa da suka shafi haraji da kuma abin da aka gano a zahiri ta hanyar gudanarwar haraji da cibiyoyin sadarwar sada zumunta na dawowa.L’« optimisation » ou « habileté fiscale » (qui correspondent au concept défini par l’OCDE sous l’appellation de « planification fiscale » ou « tax planning ») désigne le fait pour le contribuable de choisir, parmi les possibilités offertes par la loi, celle qui apparaît la moins onéreuse ; à la base de cette « habileté fiscale », il y a le principe affirmé de manière constante par la jurisprudence de « libre-choix par le contribuable de la voie la moins imposée ». " Haɓaka " ko " basirar haraji "(wanda ya dace da ra'ayin da OECD ta ayyana a ƙarƙashin sunan " tsarinharaji ") yana nufin gaskiyar cewa mai biyan haraji ya zaɓa, daga cikin damar da doka ta bayar, wanda ya bayyana mafi ƙarancin wahala ; A bisa wannan " basirar haraji ", akwai ƙa'idar da aka tabbatar akai-akai ta hanyar shari'a na " zabin kyauta ta mai biyan haraji na mafi ƙarancin haraji ". le terme d’« évasion fiscale » sera utilisé (...) pour qualifier l’ensemble des opérations destinées à réduire le montant des prélèvements dont le contribuable doit normalement s’acquitter, et dont la régularité est incertaine. Il revient dans ces conditions au juge de déterminer, en s’appuyant notamment sur les notions d’abus de droit et d’acte anormal de gestion, si cette évasion est constitutive d’une optimisation fiscale régulière ou si elle relève au contraire d’un comportement frauduleux. Au sein de ces comportements d’évasion fiscale, il apparaît particulièrement pertinent d’isoler les montages internationaux dits « agressifs »za a yi amfani da kalmar " kaucewa biyan haraji " (...) don bayyana duk ayyukan da aka yi niyya don rage yawan harajin da mai biyan haraji ya kamata ya biya, kuma ba a tabbata ba. A cikin waɗannan yanayi, ya rage alkalin da zai ƙayyade, gwargwadon musamman game da cin zarafin cin zarafin doka, ko wannan ya zama halayyar haraji na yau da kullun ko ko akasin haka, ƙa'idar ɗabi'a ce. A cikin waɗannan halaye na guje wa biyan haraji, yana da mahimmanci musamman don ware abubuwan da ake kira "tsananin" shirye-shiryen ƙasa da ƙasa. on désignera comme « irrégularités fiscales » l’ensemble des comportements, volontaires ou non, de bonne ou de mauvaise foi, qui aboutissent à diminuer le montant d’un prélèvement obligatoire du fait du non-respect du droit fiscal ou social ; la fraude est partie intégrante de cet ensemble qui comprend aussi les irrégularités commises du fait d’erreurs matérielles ou d’erreurs d’interprétation des règles applicables par le contribuable Za a bayyana " rashin bin ka'ida na haraji " a matsayin duk ɗabi'a, na son rai ko a'a, cikin gaskiya ko rashin imani, wanda ke haifar da rage adadin harajin dole saboda rashin bin ka'idodin haraji ko zamantakewa; zamba wani bangare ne na wannan kungiya wanda kuma ya hada da kura-kurai da aka aikata saboda kurakuran kayan aiki ko kurakurai na fassarar dokokin da mai biyan haraji ya shafa. le terme de « fraude » (...) réserve cette appellation aux actes intentionnels de la part du contribuable, destinés à contourner la loi pour éluder l’impôt. Il sera également associé à tous les comportements (travail dissimulé, fausses déclarations) qui visent à éluder volontairement tout ou partie des cotisations sociales dues. Kalmar " zamba " (...) ta tanadi wannan nadi don ayyukan ganganci daga bangaren mai biyan haraji, wanda aka yi niyya don kaucewa doka don guje wa haraji. Hakanan za'a haɗa shi da duk ɗabi'a (aikin da ba a bayyana ba, sanarwar karya) waɗanda ke nufin gujewa da son rai ko wani ɓangare na gudummawar tsaro na zamantakewa. Par ailleurs, la Cour fait également référence à la notion d’« écart fiscal » (tax gap). Principalement utilisée par les économistes, cette notion désigne la différence entre ce qui devrait être recouvré si la loi fiscale et sociale avait été parfaitement respectée et ce qui a été effectivement recouvré. L’« écart fiscal » va au-delà des seules irrégularités puisqu’il concerne aussi les sommes non recouvrées du fait de l’insolvabilité d’un contribuable ou des remises gracieuses qui lui auraient été accordées Bugu da ƙari kuma, Kotun kuma tana nufin manufar " tazararharaji ". Masana tattalin arziki galibi ke amfani da shi, wannan ra'ayi yana nufin bambanci tsakanin abin da ya kamata a dawo da shi idan an cika cikar haraji da dokar zamantakewa da kuma abin da aka kwato. " Tazarar haraji " ya wuce rashin bin ka'ida kadai, domin kuma ya shafi kudaden da ba a kwato ba saboda rashin biyan harajin da aka yi masa ko kuma ya biya harajin da aka yi masa.Zazzage rahoton kan zamba ta tilas (shafukan 201):
Ƙananan Rangwame
Ƙarshe
00:00Rahoton Faransanci game da zamba a cikin harajin dole na daidaikun mutane ya kammala wannan ma'anar:
Le terme de « fraude fiscale » n’est pas toujours employé avec rigueur, notamment lorsqu’il est utilisé de manière générique pour qualifier tous les agissements ayant pour conséquence de réduire le montant des impôts (...) Plusieurs phénomènes (l’optimisation fiscale, les irrégularités involontaires, l’insolvabilité des contribuables, etc.) ont ce même résultat sans cependant constituer des agissements irréguliersKalmar " zamba na haraji " ba koyaushe ana amfani da shi tare da tsauri ba, musamman ma lokacin da aka yi amfani da shi gabaɗaya don bayyana duk ayyukan da ke haifar da raguwar adadin haraji (...) Da yawa abubuwan mamaki (haɓaka haraji, rashin bin ka'ida, rashin biyan haraji, da dai sauransu) suna da sakamako iri ɗaya ba tare da, duk da haka, ƙaddamar da ayyukan da ba daidai ba.L’« optimisation » ou « habileté fiscale » (qui correspondent au concept défini par l’OCDE sous l’appellation de « planification fiscale » ou « tax planning ») (...) désigne le fait pour le contribuable de choisir, parmi les possibilités offertes par la loi, celle qui apparaît la moins onéreuse ; à la base de cette « habileté fiscale », il y a le principe affirmé de manière constante par la jurisprudence de « libre-choix par le contribuable de la voie la moins imposée » " Ingantawa "ko" basirar haraji "(wanda ya dace da manufar da OECD ta bayyana a ƙarƙashin sunan " tsarinharaji ") (...) yana nufin gaskiyar cewa mai biyan haraji ya zaɓa, daga cikin damar da doka ta bayar, wanda ya bayyana mafi ƙarancin damuwa ; A bisa wannan "ƙwarewar haraji", akwai ƙa'idar da aka tabbatar akai-akai ta hanyar shari'ar doka ta " zaɓi na kyauta ta mai biyan haraji na mafi ƙarancin haraji "Le terme d’« évasion fiscale » sera utilisé (...) pour qualifier l’ensemble des opérations destinées à réduire le montant des prélèvements dont le contribuable doit normalement s’acquitter, et dont la régularité est incertaine. Il revient dans ces conditions au juge de déterminer, en s’appuyant notamment sur les notions d’abus de droit et d’acte anormal de gestion, si cette évasion est constitutive d’une optimisation fiscale régulière ou si elle relève au contraire d’un comportement frauduleux. Au sein de ces comportements d’évasion fiscale, il apparaît particulièrement pertinent d’isoler les montages internationaux dits « agressifs »Za a yi amfani da kalmar " kaucewa haraji " (...) don bayyana duk ayyukan da aka yi niyya don rage adadin harajin da dole ne mai biyan haraji ya biya akai-akai, wanda kuma ba a tabbatar da shi ba. A cikin waɗannan yanayi, ya rage alkalin da zai ƙayyade, gwargwadon musamman game da cin zarafin cin zarafin doka, ko wannan ya zama halayyar haraji na yau da kullun ko ko akasin haka, ƙa'idar ɗabi'a ce. A cikin waɗannan halaye na guje wa biyan haraji, yana da mahimmanci musamman don ware abubuwan da ake kira "tsananin" shirye-shiryen ƙasa da ƙasa.On désignera comme « irrégularités fiscales » l’ensemble des comportements, volontaires ou non, de bonne ou de mauvaise foi, qui aboutissent à diminuer le montant d’un prélèvement obligatoire du fait du non-respect du droit fiscal ou social ; la fraude est partie intégrante de cet ensemble qui comprend aussi les irrégularités commises du fait d’erreurs matérielles ou d’erreurs d’interprétation des règles applicables par le contribuable Za a bayyana "rashin ka'ida na haraji" a matsayin duk ɗabi'a, na son rai ko a'a, cikin imani mai kyau ko rashin imani, wanda ke haifar da rage adadin haraji na wajibi saboda rashin bin haraji ko dokokin zamantakewa; zamba wani bangare ne na wannan kungiya wanda kuma ya hada da kura-kurai da aka aikata saboda kurakuran kayan aiki ko kurakurai na fassarar dokokin da mai biyan haraji ya shafa.le terme de « fraude » (...) réserve cette appellation aux actes intentionnels de la part du contribuable, destinés à contourner la loi pour éluder l’impôt. Il sera également associé à tous les comportements (travail dissimulé, fausses déclarations) qui visent à éluder volontairement tout ou partie des cotisations sociales dues kalmar "zamba" (...) ta tanadi wannan nadi don ayyukan ganganci daga bangaren mai biyan haraji, da nufin kaucewa doka don kaucewa haraji. Hakanan za'a haɗa shi da duk ɗabi'a (aikin da ba a bayyana ba, sanarwar karya) waɗanda ke nufin gujewa da son rai ko wani ɓangare na gudummawar tsaro ta zamantakewa.Zazzage rahoton kan zamba a cikin harajin dole a kan daidaikun mutane (shafukan 94):
Ƙananan Rangwame
Ƙarshe
00:00Dokokin Faransa kan zamba a cikin haraji sun fi mayar da hankali kan boyewa da gangan, musamman ta hanyar yin amfani da jabu.
Quiconque (...) a tenté de se soustraire frauduleusement (...) au paiement total ou partiel des impôts (...) emprisonnement de cinq ans (...) amende de 500 000 EUR (...) comptes ouverts ou de contrats souscrits (...) à l'étranger (...) interposition de personnes (...) organisme, fiducie ou institution (...) à l'étranger (...) fausse identité (...) faux documents(...) autre falsification (...) domiciliation fiscale fictive ou artificielle à l'étranger (...) acte fictif ou artificiel (...) entité fictive ou artificielle (...) cette disposition n'est applicable (...) que si celle-ci excède le dixième de la somme imposable ou le chiffre de (...) EUR. Duk wanda (...) ya yi ƙoƙarin kaucewa (...) jimlar ko wani ɓangare na biyan haraji (...) ɗaurin shekaru biyar a gidan yari (...) tarar 500 000 EUR (...) asusun buɗe ko kwangilar da aka shiga (...) a ƙasashen waje(...) haɗin gwiwar mutane (...) ƙungiya, amincewa ko ma'aikata (...) ko ma'aikata (...) a waje (...) takardunƙarya (...) takardun karya (... gida a ƙasashen waje (...) ƙage ko aikin wucin gadi (...) ƙage ko mahallin wucin gadi (...) wannan tanadin yana aiki ne kawai (...) idan ya wuce kashi ɗaya cikin goma na adadin haraji ko adadi na (...) EUR.Zazzage rubutun dokar kan zamba a haraji:
Ƙananan Rangwame
Ƙarshe
00:00Zaɓin Kyauta na Hanyar Mafi Karancin Haraji
A cikin shari'a, haɓaka haraji, wanda kuma ake kira tsara haraji ko ƙwarewar haraji, ana bayyana shi azaman zaɓi na kyauta mafi ƙarancin haraji.
Cette disposition, pas plus que l’abus de droit (...), n’a pour objet d’interdire au contribuable de choisir le cadre juridique le plus favorable du point de vue fiscal pourvu que ce choix ou les conditions le permettant ne soient empreints d’aucune artificialitéWannan tanadin, bai wuce cin zarafi ba (...), ba a yi niyya don hana mai biyan harajin zabar mafi kyawun tsarin doka daga mahangar haraji ba, muddin wannan zaɓi ko sharuɗɗan da ke ba da izini ba su da alama ta kowane ɗan adam.Zazzage sharhin kan doka ta hukumar haraji:
Ƙananan Rangwame
Ƙarshe
00:00Ma'amaloli da ake zargi da gujewa ko kaucewa haraji ba za a iya juya su ba. Kowane mutum na da hakkin ya inganta yanayin harajinsa. Babu wani takalifi na biyan kudi fiye da kima. Babu wani aikin kishin kasa da zai tilasta karin haraji.
a transaction (...) does not lose its immunity, because it is actuated by a desire to avoid (...) evade, taxation. Any one may so arrange (...) taxes shall be as low as possible (...) not bound to (...) best pay the Treasury (...) not (...) patriotic duty to increase one's taxes ma'amala (...) ba ta rasa rigakafi, saboda ana aiwatar da shi ta hanyar sha'awar gujewa (...) gujewa, haraji. Duk wani wanda zai iya shirya (...) haraji zai zama ƙasa kaɗan (...) ba a ɗaure zuwa (...) mafi kyawun biya Baitul (...) ba (...) aikin kishin ƙasa don ƙara harajin mutum.Zazzage dokar shari'ar haraji ta Amurka:
Ƙananan Rangwame
Ƙarshe
00:00Gwamnati ba za ta iya buƙatar ka ɗauki wata hanya ba, ka ba da hujjar hanyarka, ko kuma ka nuna cewa ita ce hanya ɗaya tilo.
l'administration fiscale a retenu un premier motif d'abus de droit tiré de l'absence de substance économique de l'interposition de la société (...) la cour s'est fondée sur la circonstance que les éléments apportés par les contribuables ne démontraient pas la nécessité de l'interposition de la société (...) En exigeant ainsi que les requérants justifient de ce que l'architecture d'ensemble mise en place était la seule possible pour atteindre l'objectif économique poursuivi, la cour a commis une erreur de droit. Gwamnatin Haraji ta kare kasa ta farko da laifin tattalin arzikin (...) Kotu ta tanada wajan tabbatar da cewa, gine-ginen da aka bayar , a kotu da aka bayardon cimma nasarar shari'ar shari'a.Zazzage dokar shari'ar haraji ta Faransa:
Ƙananan Rangwame
Ƙarshe
00:00Adalci na Turai ya tanadi zaɓi na 'yanci na mafi ƙarancin haraji:
il résulte de la jurisprudence que le choix, pour un entrepreneur, entre des opérations exonérées et des opérations imposées peut se fonder sur un ensemble d'éléments, et notamment des considérations de nature fiscale (...) la sixième directive ne lui impose pas de choisir celle qui implique le paiement du montant (...) le plus élevé. Au contraire, (...) l'assujetti a le droit de choisir la structure de son activité de manière à limiter sa dette fiscale (...) l'interdiction de pratiques abusives n'est pas pertinente lorsque les opérations en cause sont susceptibles d'avoir une justification autre que la simple obtention d'avantages fiscaux. ya biyo baya daga shari'ar shari'ar cewa zabi, ga dan kasuwa, tsakanin ma'amaloli da aka keɓe da ma'amaloli masu haraji na iya dogara ne akan wani tsari na dalilai, kuma musamman la'akari da yanayin kasafin kudi (...) Umurni na shida ba ya buƙatar shi ya zaɓi wanda ya haɗa da biyan kuɗi mafi girma (...). Akasin haka, (...) wanda ake biyan haraji yana da hakkin ya zaɓi tsarin aikinsa don iyakance bashin harajinsa (...) haramcin ayyukan cin zarafi bai dace ba lokacin da ma'amalolin da ake magana a kai suna iya samun hujjar ban da sauƙin samun fa'idar haraji.Zazzage dokar shari'ar Turai akan zaɓi na kyauta mafi ƙarancin haraji:
Ƙananan Rangwame
Ƙarshe
00:00Zaɓin 'yanci na hanyar mafi ƙarancin haraji haƙƙi ne wanda ba za a iya raba shi ba. Kuna da haƙƙin kare kadarorin ku, na zahiri ko na zahiri, na hannu ko maras motsi. Wannan ya haɗa da balaguron ƙasa. Wannan ba kawai hakki ba ne, har ma da hakki ne ga duk wanda burinsa shine 'yancin kuɗi. Saboda haka, inganta.
Free motsi na babban birnin kasar
Yarjejeniyar Aiki na Tarayyar Turai ta haramta duk wani hani kan motsi na babban birnin tarayya tsakanin Membobin Tarayyar Turai (ciniki na cikin gida) da tsakanin Membobin kasashe da yankuna na uku (ciniki na waje).
Manufar tafiyar da jari kyauta ita ce a ba da damar ingantaccen amfani da ƙetaren kan iyaka da jari na jiki da na kuɗi don saka hannun jari da dalilai na kuɗi.
1. Dans le cadre des dispositions du présent chapitre, toutes les restrictions aux mouvements de capitaux entre les États membres et entre les États membres et les pays tiers sont interdites. 1. A cikin tsarin tanade-tanaden wannan Babin, za a haramtaduk wani hani kan zirga-zirgar jari tsakanin kasashe membobi da tsakanin kasashe membobi da kasashe uku. 2. Dans le cadre des dispositions du présent chapitre, toutes les restrictions aux paiements entre les États membres et entre les États membres et les pays tiers sont interdites. 2. A cikin tsarin tanade-tanaden wannan Babin, an haramtaduk wani hani kan biyan kuɗi tsakanin ƙasashe membobi da tsakanin ƙasashe membobi da ƙasashe na uku.Zazzage Yarjejeniyar Turai akan Haɗin Kai na 'Yanci:
Ƙananan Rangwame
Ƙarshe
00:00Ga daidaikun mutane, wannan yana nufin samun damar aiwatar da ma'amaloli da yawa, gami da:
- Bude asusun banki na duniya
- Sayi hannun jari a kamfanoni na duniya
- Saka hannun jari a wuraren da ke ba da mafi kyawun dawowa, gami da na duniya
- Siyan gidaje a duniya
Ga 'yan kasuwa, wannan kuma yana nufin samun damar:
- Zuba jari da mallakar wasu kasuwanci, gami da na duniya
- Samar da kuɗi a inda ba su da tsada, ciki har da na duniya
A takaice dai, akwai tushe da yawa na doka waɗanda suka amince da haƙƙin ku na sanya kuɗin ku a ƙasashen duniya, cikin mafi kyawun hukunce-hukuncen.
Ka'idar Tuta
Bari mu kwatanta Alice da Bob.
Alice :
- Ƙasa: Hukuncin A
- Fasfo: Hukuncin A
- Gidan haraji: Hukuncin A
- Gida: Hukuncin A
- Aiki: Hukuncin A
- Bank: Hukuma A
Bob:
- Kasashe: Hukunce-hukuncen A da B
- Fasfot: Hukunce-hukuncen C da D
- Gidajen haraji: Hukunce-hukuncen E, F, G
- Gida: Hukunce-hukuncen H, I
- Kamfanoni: Hukumomin J, K
- Bankunan: Hukumomin L, M
Alice ta sanya ƙwayayenta duka a cikin kwando ɗaya. Ta yi wa kanta dogaro da Kotun A. Ta kasance mai rauni. Alice tana rayuwa ƙarƙashin barazanar rasa aikinta akai-akai. Tana fuskantar kasadar kwace kadarorinta da asusunta a kowane lokaci. Kotun A tana da iko mai yawa a kanta: ikon tilasta Alice cikin bauta har tsawon rayuwarta.
Bob yana da iko iri-iri. Bob yana da zaman kansa. Babu wani hukumci da ke da ikon takurawa Bob. Idan wata rana Bob ya damu da wani hukumci, har yanzu yana da damar yin amfani da yawancin kadarorinsa. Zai iya buɗe sabbin hanyoyin samun kuɗi a cikin wasu hukunce-hukuncen. Bob ba zai iya tsayawa ba. Bob shine siffar 'yanci. Dole ne ku yi koyi da shi.
A lokaci-lokaci, gwamnati ta fito fili ta lissafta dabaru daban-daban da ake amfani da su don guje wa biyan haraji, gami da waɗanda za ta iya sarrafawa da kuma, waɗanda ba ta da ƙarfi. Waɗannan takaddun bayanai ne masu tarin yawa.
Zazzage rahoton na Jiha kan rashin biyan haraji:
Ƙananan Rangwame
Ƙarshe
00:00Yana yiwuwa a yi amfani da wasu abubuwa na wannan rahoto a matsayin tushen gina dabarun inganta haraji.
Wani fa'ida ga Bob, kuma ba ƙaramin ba, shine Bob yana biyan haraji 0%. Baya ga ƴan ƙayyadaddun ƙayyadaddun kuɗaɗen kuɗi, Bob yana karɓar duk 'ya'yan itacen aikinsa. Yana aiki don kansa. Bob shine shugaban nasa. Kullum sai kara arziki yake yi. Ba abu mai sauƙi ba. Dole ne Bob ya ƙara yin ƙoƙari na hankali. Wannan ƙoƙari ya biya a cikin dogon lokaci.
Gwamnati tana ƙin mutane masu hankali kamar Bob. Mu kalli shingen da gwamnati ta sanya don hana ku zama Bob. Kuma, mafi mahimmanci, yadda za ku inganta matsayinku bisa doka akan waɗannan shingen.
FICOBA
FICOBA (FIchier des COmptes BAncaires) bayanai ne na Jamhuriyar Socialist ta Faransa da ke jera asusun banki da aka buɗe da akwatunan ajiya da aka yi hayar a cikin wannan ikon. Hukumar haraji, France Travail, CAF (Caisse des Allocations Familiales), jami'an 'yan sanda na shari'a, alƙalai, da notaries suna da damar yin amfani da wannan bayanin.
Les (...) établissements (...) résidents français (...) dépôt (...) valeurs mobilières, titres ou fonds doivent déclarer (...) l'ouverture (...) des comptes (...) coffres-forts.Cibiyoyin (...) (...) mazauna Faransa (...) ajiya (...) tsare-tsaren, lakabi ko kudade dole ne su bayyana (...) bude (...) na asusun (...) amintattu.Les personnes physiques (...) sociétés (...) domiciliées (...) en France, sont tenues de déclarer (...) revenus (...) comptes (...) étranger Ana buƙatar daidaikun mutane (...) kamfanoni (...) mazauna (...) a Faransa don bayyana (...) samun kudin shiga (...) asusun (...) kasashen wajeLes sommes, titres ou valeurs (...) étranger (...) comptes non déclarés (...) constituent, sauf preuve contraire, des revenus imposables.Adadi, tsare-tsare ko ƙima (...) na waje (...) asusun da ba a bayyana ba (...) sun ƙunshi, sai dai in an tabbatar da in ba haka ba, kudin shiga mai haraji.Wannan yana nufin cewa, a matsayinka na mazaunin harajin Faransa, duk wani adadin da aka adana a cikin asusun da ke cikin sunanka na iya kamawa daga jihar. A wasu kalmomi, tare da wannan doka, jihar tana ɗaukar haƙƙin zubar da kuɗin ku kamar yadda ta ga dama.
Zazzage rubutun dokar FICOBA :
Ƙananan Rangwame
Ƙarshe
00:00FICOBA na buƙatar mazauna Faransanci, ko daidaikun mutane (ku) ko ƙungiyoyin doka (kamfanin ku, bankin ku), da su bayyana wa gwamnati duk asusun banki waɗanda suke sane da su. Idan ba a bayyana ba, gwamnati za ta mayar da nauyin shaida kuma tana da hakkin kwace abubuwan da ke ciki.
DAC6
Jiha tana dogara ne akan jahilcinku, musamman akan jahilcin ku na tattalin arziki. Yana nufin ku zuwa lauyoyin haraji, notaries, da sauran masu ba da shawara kan sarrafa dukiya. Duk za su sayar da ku mafita a cikin Jiha don kulle ku, yayin da za su ajiye dukiyarsu a waje, mafaka daga jihar. A ƙaramar matsala, za su zubar da bayananku ba tare da ko kaɗan ba. Kada mu manta cewa wadannan sana’o’in gwamnati ce ke sarrafa su. Ma’ana, sun dogara ne da Jiha. Kwararren da aka kayyade wanda ba ya mutunta tsarin siyasa da kasafin kudi na Jiha, za a soke lasisin sa, don haka ya rasa abin da zai ci. Wadannan sana’o’in bayi ne ga Gwamnati. Wakilan Gwamnati ne.
Tun daga dokar DAC6 (Directive on Administrative Cooperation, Shafin 6), waɗannan ma'aikatan farar hula a zahiri sun zama idanu da kunnuwa na Jiha. Wajibi ne wa] annan masu ba da labari su ajiye da kuma kai rahoto ga Jiha duk wani shiri da ya yi kama da kin biyan haraji. Idan sun ƙi ba da haɗin kai, za a ci su tarar 100 000 EUR. Akasin haka, idan sun kai rahoton ku, za su sami lamuni don sun zambace ku. An hana su don ba da rahoton ku. Sanarwa shine sabon babban kasuwancin su. Gaskiya mai sauƙi na gaya musu game da ayyukanku yana sanya ku cikin haɗari. Sirrin ƙwararru wanda a da ke da alaƙa da waɗannan sana'o'in ba ya wanzu.
Zazzage rubutun dokar DAC6 :
Ƙananan Rangwame
Ƙarshe
00:00Tun da dokar DAC6, ba za ku iya sake amincewa da ƙwararrun haraji ba, tunda jihar ce ke tsara aikin su. Dole ne ku gina aikin fitar da harajin ku ta hanyar dogaro da albarkatun waje, ba tare da jihar da kuke neman guduwa ba.
AEOI / CRS
A ranar 31 ga Disamba na kowace shekara, ana buƙatar cibiyoyin kuɗin ku (bankuna, dillalai) su ba da rahoton ma'auni na duk asusun ku zuwa ikon mazaunin ku na haraji. Misali, idan kun saka 10 000 EUR a banki a waje, za a sanar da ikon da kuke biyan haraji. Waɗannan magudanan ruwa na atomatik ne. Wannan musayar bayanai ta atomatik ana kiranta CRS (Kasuwancin Rahoto na gama gari), kuma wani yanki ne na babban ma'auni mai suna AEOI (Musanya Bayanai ta atomatik).
Yawancin hukumomi sun yi rajista ga AEOI / CRS :
Zazzage taswirar mu'amala ta ikon AEOI / CRS :
Ƙananan Rangwame
Ƙarshe
00:00
Zazzage jerin hukunce-hukuncen AEOI / CRS :
Ƙananan Rangwame
Ƙarshe
00:00Zazzage Jagorar CRS (shafukan 326):
Ƙananan Rangwame
Ƙarshe
00:00Zazzage tsawo na Jagoran CRS na 2023, tare da Crypto (shafukan 139):
Ƙananan Rangwame
Ƙarshe
00:00Zazzage tambayoyin CRS da amsoshi:
Ƙananan Rangwame
Ƙarshe
00:00Zazzage tambayoyin CRS da amsoshi akan sifofi mara kyau:
Ƙananan Rangwame
Ƙarshe
00:00Zazzage jerin hukunce-hukuncen CRS masu bayyana sifofi:
Ƙananan Rangwame
Ƙarshe
00:00Sanin cewa adadin da ke cikin asusun ajiyar ku na banki yana bayyana kowace shekara, za a iya jarabce ku don matsar da kuɗin zuwa wani asusu. Duk da haka, wancan asusu kuma zai ba da rahoton kuɗin da kuka saka a ciki. Da sauransu. Madauki ne mara ƙarewa. Koyaya, akwai hanyoyin inganta CRS.
Zazzage Jagoran Haɓaka CRS :
Ƙananan Rangwame
Ƙarshe
00:00Sanin yadda ake ketare CRS shine ainihin dabara don kare sirrin ku.
CFC
An tsara CFC (Controlled Foreign Corporations) don hana gujewa biyan haraji ta hanyar amfani da rassan. Idan wani kamfani na ketare yana mallakar sama da wani kaso (wanda ya bambanta da ikon) ta wani mazaunin haraji na gida, to za a gane kamfanin a matsayin mai haraji na cikin gida.
Misali, idan mutum (na halitta ko na doka), mazaunin haraji na ikon A, yana riƙe fiye da 50% na kamfanin da aka kafa a cikin ikon B, to ana iya ɗaukar wannan kamfani na teku ta ikon ikon A a matsayin mazaunin haraji na ikon A.
Hukumomin gudanarwa suna amfani da Dokokin CFC akai-akai. Suna amfani ne musamman ga tsarin tsarin haihuwa, lokacin da kamfani na cikin gida ke da hannun jari mai yawa a cikin wani kamfani na waje don tura ribar cikin gida ga kamfanin waje.
Hukunce-hukuncen CFC sun bambanta da ikon hukuma. Ga Jamhuriyar gurguzu ta Faransa:
- 100 000 EUR tarar kowace shekara
Zazzage Jagoran Haɓakawar CFC :
Ƙananan Rangwame
Ƙarshe
00:00Lokacin kafa kamfani a ƙasashen waje, yana da mahimmanci kada a yi kuskuren faɗuwa cikin ƙa'idodin CFC. Akwai ingantattun hanyoyi don kare kanku.
FATCA
FATCA (Foreign Account Tax Compliance Act) wata doka ce ta Amurka da ke niyya ga mazauna harajin Amurka. Yana buƙatar bayyanawa ga Amurka masu fa'ida na ƙungiyoyin doka da aka ƙirƙira a ƙasashen waje. Ana aika wannan fayil ta atomatik zuwa abokan hulɗar Amurka, gami da Tarayyar Turai.
Hukunce-hukuncen FATCA sune:
- 10 000 USD tarar kowace shekara
- 50 000 USD tarar kowace shekara don maimaita laifuka
- Tarar 40% akan adadin da aka boye
Zazzage Jagoran FATCA na Amurka:
Ƙananan Rangwame
Ƙarshe
00:00Zazzage dokar FATCA a cikin Jamhuriyar gurguzu ta Faransa:
Ƙananan Rangwame
Ƙarshe
00:00Zazzage sharhin hukumar haraji kan dokar FATCA a cikin Jamhuriya Socialist ta Faransa:
Zazzage Jagoran Haɓaka FATCA :
Ƙananan Rangwame
Ƙarshe
00:00FBAR
FBAR (Foreign Bank and Financial Accounts) doka ce ta Amurka. Yana buƙatar ka bayyana wa Amurka bankinka da asusun hannun jari a kan wani fom mai suna FinCEN (Financial Crimes Enforcement Network) Form 114.
Hukuncin FBAR sune:
- 10 000 USD tarar kowace shekara
- Tarar 50% akan adadin da aka ɓoye (Mafi ƙarancin: 100 000 USD)
Zazzage Jagorar FBAR :
Ƙananan Rangwame
Ƙarshe
00:00EOIR / MLAT
MLAT (Mutual legal Assistance Treaties) yarjejeniya ce ta ƙasa da ƙasa waɗanda ke ba da izinin ikon A don neman albarkatun ikon B. Hukuncin A iya, bisa ga kowane hali, tattara 'yan sanda da alƙalai na ikon B. Waɗannan yarjejeniyar haɗin gwiwa an fara amfani da su don yaƙi da aikata laifuka. Yanzu ana amfani da su akai-akai wajen yaki da kaucewa biyan haraji. Yanzu haka dai jihohi na amfani da wadannan yarjejeniyoyin wajen addabar mutanen da ke neman kare kadarorinsu.
MLAT wani ɓangare ne na tsarin haɗin gwiwar kasa da kasa da ake kira EOIR (Exchange Of Information on Request).
Misali, akwai MLAT tsakanin Jamhuriyar gurguzu ta Faransa da Amurka.
The Central Authority of the Requested State shall make all necessary arrangements for a request to be presented to its competent administrative and judicial authorities for execution (...) The Requested State shall execute a request for the search, seizure, and delivery of any item to the Requesting State if the request includes the Information justifying such search under the laws of the Requested State. Hukumar tsakiya ta jihar da ake bukata za ta yi duk wani shiri da ya dace don gabatar da bukatar gabatar da ita ga hukumomin gudanarwa da shari’a masu cancantar aiwatar da su (...) Jihar da ake nema za ta aiwatar da bukatar bincike, kwace, da isar da duk wani abu ga kasar da ta bukaci idan bukatar ta hada da bayanan da ke tabbatar da irin wannan bincike a karkashin dokokin jihar da ake bukata.Zazzage MLAT tsakanin Jamhuriyar gurguzu ta Faransa da Amurka:
Ƙananan Rangwame
Ƙarshe
00:00Yawancin hukumomi sun yi rajista ga EOIR / CRS :
Zazzage taswirar mu'amala ta ikon EOIR / CRS :
Ƙananan Rangwame
Ƙarshe
00:00
Zazzage jerin hukunce-hukuncen EOIR / MLAT :
Ƙananan Rangwame
Ƙarshe
00:00Sanin wanzuwar MLAT tsakanin ikon zama da wanda kuka mallaka kadarori ne. Baya ga ikon da waɗannan yarjejeniyoyin suka bayar, wannan yana ba ku damar tsammani, cancanta, da ƙididdige matakin haɗarin kwace kadarorin ku. Zai fi dacewa, adana kadarorin ku a cikin hukunce-hukuncen da ba su da kowane MLAT tare da wurin zama na haraji.
Zazzage Jagoran Haɓaka MLAT :
Ƙananan Rangwame
Ƙarshe
00:00KYC
KYC (Know Your Customer) umarni ne da Amurka ke aiwatarwa. Wannan doka tana buƙatar bankunan da su tabbatar da duk ma'amala, masu shigowa da waje. Bankunan da suka ƙi ba a ba su damar shiga kasuwar Amurka. Tun da dalar Amurka ita ce babban kudin, Amurka ta yi nasarar aiwatar da wannan doka a duk duniya.
Duk lokacin da kuka karɓa ko aika kuɗi, dole ne ku nemi izini daga bankin ku. Ana buƙatar tambayar ku don manufar ma'amala, da kuma jerin takaddun tallafi. Idan bankin ya yi la'akari da takaddun tallafi don biyan wajibai na doka da Amurka ta sanya masa, yana iya yanke shawarar karɓar ciniki. In ba haka ba, za a ƙi cinikin ku.
Yi la'akari da wannan wajibcin bureaucratic don ainihin abin da yake: wani nau'i mai banƙyama na sarrafa kasuwanci, wanda aka lulluɓe cikin leƙen asirin ayyukan kasuwancin ku da masana'antu.
Takardun tallafi masu karɓuwa:
- SSA (Service Supplier Agreement)
- Bill
- Tabbacin doka cewa abokin kasuwancin ya wanzu
- Cikakken Bayanin Tuntuɓar Abokin Ciniki
- Jadawalin tsabar kuɗi yana bayyana kasuwancin ku
Zazzage samfurin SSA (Birtaniya):
Ƙananan Rangwame
Ƙarshe
00:00Zazzage samfurin SSA (FR):
Ƙananan Rangwame
Ƙarshe
00:00Zazzage samfurin daftari a Turanci:
Ƙananan Rangwame
Ƙarshe
00:00Zazzage samfurin daftari a cikin Faransanci:
Ƙananan Rangwame
Ƙarshe
00:00Zazzage samfuri na abokin hulɗar kasuwanci:
Ƙananan Rangwame
Ƙarshe
00:00Zazzage samfurin ƙirar tsabar kuɗi da ke bayanin kasuwancin ku:
Ƙananan Rangwame
Ƙarshe
00:00Fahimtar yadda KYC ke aiki yana da mahimmanci don sarrafa dalar Amurka. Don kauce wa KYC, ana iya jarabtar ku don canzawa zuwa cryptocurrency. Lura cewa za a buƙaci duk musanya don aiwatar da KYC nan da 2027. Rashin bin KYC haɗarin gaske yana iyakance canzawar kadarorin ku. Koyaya, ƙa'idar kuɗi shine daidai don samun damar musanya shi zuwa wasu kudade, kaya, ko ayyuka.
Tsaro a cikin zurfin
Ka'idar tsaro a cikin zurfin ta ƙunshi daidaitawa, ɗaya bayan ɗaya, nau'i-nau'i da yawa na kariyar da ba za ta iya jurewa ba, don samun kariya ta gaba ɗaya.
Hanya ɗaya don ganin wannan tsarin ita ce amfani da yanki na cuku na Gruyère don yin samfurin kariya na sirri.
Wani yanki na cuku na Gruyère, a kan kansa, yana da laushi kuma yana cike da ramuka. A kan kansa, yana ba da kariya mai iyaka.
Koyaya, ta hanyar tattara nau'ikan Gruyère da yawa, masu girma dabam kuma daga tushe daban-daban, mun ga cewa ramukan da ke cikin yanki na farko suna cike da yankan masu zuwa.
Hakika, kowane nau'in kariya yana da nasa raunin, amma a wurare daban-daban.
Ta hanyar amfani da kariyar kariyar, tsarin gaba ɗaya ya zama marar lahani ga hare-hare.
Wannan hadaddiyar dabara, mai inganci da juriya, ana yawan amfani da ita a cikin IT.
An san shi da Swiss Cheese Model of Accident Causation, ko Swiss Cheese Cyber Security Defense-in-Depth Model.
Ya kamata ku ɗauki wahayi daga wannan Tsaro a cikin Tsarin Zurfafa don gina dabarun ku na teku.
Matsayin Harajin Wajen Waje
Ana ƙididdige mazaunin haraji bisa ga ƙayyadaddun ƙa'idodi ga kowane yanki.
A Jamhuriyar gurguzu ta Faransa:
en France leur domicile fiscal sont passibles de l'impôt sur le revenu en raison de l'ensemble de leurs revenus (...) hors de France sont passibles de cet impôt en raison de leurs seuls revenus de source française (...)a Faransa gidan harajin su yana da alhakin harajin kuɗin shiga akan duk abin da suke samu (...) a wajen Faransa suna da alhakin wannan haraji akan kuɗin shiga daga tushen Faransanci kawai (...)Sont considérées comme ayant leur domicile fiscal en France (...) les personnes qui ont en France leur foyer ou le lieu de leur séjour principal (...) celles qui exercent en France une activité professionnelle, salariée ou non, à moins qu'elles ne justifient que cette activité y est exercée à titre accessoire (...) Celles qui ont en France le centre de leurs intérêts économiques. Ana la'akari da waɗannan masu zuwa suna da mazauninsu na haraji a Faransa: (...) mutanen da ke da gidansu ko babban wurin zama a Faransa (...) waɗanda ke gudanar da ayyukan ƙwararru a Faransa, ko suna da albashi ko a'a, sai dai idan za su iya tabbatar da cewa ana yin wannan aikin a can a matsayin wani aiki na biyu (...) Wadanda ke da cibiyar bukatun tattalin arziki a Faransa.Zazzage rubutun dokar kan zama na haraji:
Ƙananan Rangwame
Ƙarshe
00:00Kun cancanci zama mazaunin haraji a Faransa idan, a lokacin shekara ta haraji:
- Kuna ciyar da mafi yawan lokutan ku a cikin Jamhuriyar gurguzu ta Faransa
- Kuna da tushen samun kudin shiga musamman a cikin Jamhuriyar gurguzu ta Faransa
- Bukatun ku na tattalin arziki (kudade, riba, kadarorin) galibi suna cikin Jamhuriyar Socialist ta Faransa
- Ƙungiyar dangin ku da aka ayyana (ku + ma'aurata + 'ya'ya + iyaye) galibi suna zaune a cikin Jamhuriyar Socialist ta Faransa
Alkali yana da ikon fassara. Zai fi kyau a tuntuɓi shari'ar shari'ar don sanin ko wane yanayi ne, a baya, ya haifar da sake fasalin mazaunin haraji.
An fahimci babban wurin zama shine mafi rinjaye a cikin shekara ta haraji. Adadin tafiye-tafiye ko kwanaki a jere ba shi da mahimmanci. Jimlar kawai ƙidaya.
résidé en France pendant une durée nettement supérieure à celle des séjours effectués dans différents pays étrangersya zauna a Faransa na ɗan lokaci fiye da na zaman da aka yi a ƙasashen waje daban-dabanIyalin sun zama anka, tun da yake wakiltar sashin kasafin kuɗi na gama gari.
considérés comme fiscalement domiciliés en France s'ils ont laissé leur famillean yi la'akari da zama harajin zama a Faransa idan sun bar danginsudont les enfants sont scolarisés en France’ ya’yansu suna karatu a Faransala femme de l'intéressé, séparée de biens mais ne faisant pas l'objet d'une imposition distincte, résidait en France, depuis plusieurs années matar mutumin da abin ya shafa, wanda aka raba da dukiya amma ba batun haraji daban ba, ta zauna a Faransa tsawon shekaru da yawa.une propriété appartenant à sa femme, où celle-ci et leurs enfants étaient domiciliés wata kadara ce ta matarsa, inda ita da 'ya'yansu suke gidasans avoir en France d'habitation personnelle autre que celle de ses parentsba tare da samun wurin zama a Faransa ba sai na iyayensaDa zaran kun zaɓi bayyana ma'aurata, kuma matar ta kasance a cikin Jamhuriyar Socialist ta Faransa, kuna fuskantar haɗarin 50% na gidan harajin zama mazaunan haraji a cikin Jamhuriyar gurguzu ta Faransa. An ƙarfafa wannan yanayin ga kowane yaro da kuka bayyana wanda ya bi wannan tunani na lokacin da aka kashe da farko a cikin Jamhuriyar Socialist ta Faransa. Don haka, idan danginku suka girma, zai zama nauyin haraji. Ware kanku da dangin ku, na mulki da na kasafin kuɗi, ya zama dole. Wannan ya kamata ya kasance cikin abubuwan da kuke ba da fifiko.
Lissafin kuɗaɗen waya suna ba da damar jihar ta san a wane hurumi gidan harajin ku ke zama mafi yawan lokaci.
le montant des communications téléphoniques acquitté au titre de cette résidence adadin sadarwar wayar da aka biya don wannan wurinAyyukan tattalin arziƙi (kudaden kuɗi) ko ayyukan samun kuɗi (riba) da ke gudana musamman a cikin Jamhuriyar gurguzu ta Faransa ma wani abu ne mai jawo.
a disposé en France de comptes bancaires approvisionnésya ba da kuɗin asusun banki a Faransaa pris à la même époque des participations (...) société civile immobilière, (...) société anonyme (...) société à responsabilité limitée, exerçant les fonctions de gérant (...) reçu à ce titre une rémunération mensuelle régulièreya dauki lokaci guda (...) kamfanin farar hula, (...) kamfani mai iyaka (...) kamfani mai iyaka, yana aiwatar da ayyukan manaja (...) da aka samu a cikin wannan matsayi na yau da kullun na kowane wata.revenu en France (...) importants apports en compte courant (...) dont son épouse était gérante, tout en procédant à divers placements d'argent, notamment sous forme d'achats de biens immobiliersya koma Faransa (...) gagarumin gudunmawar zuwa asusun na yanzu (...) wanda matarsa ta kasance mai sarrafa, yayin da yake zuba jari daban-daban na kudi, musamman a cikin nau'i na sayayya na dukiya.Jihar ta bayyana cewa kasancewa mai mallakar wani kamfani na waje yana sa ku zama masu biyan haraji.
une société étrangère dont il est le maîtrewani kamfani na waje wanda shi ne ubangidansaDuk da duk dabaru, musamman game da rabuwa da hukunce-hukuncen, ikon mallaka, tsarin shari'a, dokokin ƙasa da ƙasa, da nauyi da kuma mutane (mutum na halitta / mahallin doka), don haka jihar na iya yin la'akari da cewa kuɗin shiga da wata ƙungiya ta waje ta samu a ƙasashen waje zai zama haraji a cikin Jamhuriyar gurguzu ta Faransa.
les revenus réalisés à l'étranger sont imposables, même s'ils n'ont pas été transférés en France kudaden shiga da aka samu a kasashen waje yana da haraji, koda kuwa ba a canza shi zuwa Faransa baAkasin haka, waɗannan ka'idodin shari'ar sun tabbatar da rashin mazaunin harajin Faransa:
le centre des intérêts du contribuable se trouve dans le pays d'où l'intéressé tire la majeure partie de ses revenus. (...) la plus grande partie de ses revenus de l'exploitation de plusieurs fonds de commerce situés à l'étranger ne peut, quelle que soit l'importance des investissements qu'il a effectués en France (...), être regardé comme ayant le centre de ses intérêts économiques dans notre pays cibiyar biyan haraji a cikin kasar da wanda abin ya shafa ke samun mafi yawan kudaden shiga. (...) mafi yawan kudaden shigar da yake samu daga gudanar da harkokin kasuwanci da dama dake kasashen waje ba zai iya, komai muhimmancin zuba jarin da ya yi a kasar Faransa (...), a dauke shi a matsayin cibiyar tattalin arzikinsa a kasarmu.ne peut être regardé comme ayant le centre de ses intérêts en France un contribuable (...) qui a retiré la plus grande partie de ses revenus (...) en Algérie et au Maroc ba za a iya la'akari da cewa yana da cibiyar bukatunsa a Faransa mai biyan haraji (...) wanda ya janye mafi yawan kudaden shiga (...) a Aljeriya da Marokoun étranger qui n'exerce aucune profession dans notre pays, a investi ses capitaux à l'étrangerbakon da ba ya yin sana’a a kasarmu, ya zuba jarinsa a kasashen wajeune personne n'exerçant aucune profession en France. L'intéressé se bornait à gérer en France un portefeuille de valeurs mobilières étrangères déposées à l'étrangermutumin da ba ya yin kowace irin sana'a a Faransa. Mutumin da abin ya shafa ya iyakance ga sarrafa a Faransa babban fayil na amintattun ƙasashen waje da aka ajiye a ƙasashen wajeun contribuable de nationalité tunisienne (...) qui n'exerce aucune activité professionnelle en France et n'y possède aucun bien ou propriété dont il tirerait des revenus. Il n'a pas le centre de ses intérêts économiques en France mai biyan haraji na dan kasar Tunisiya (...) wanda ba ya gudanar da wani aiki na ƙwararru a Faransa kuma ba shi da wata dukiya ko kadarori a can wanda zai sami kudin shiga. Ba shi da cibiyar muradin tattalin arzikinsa a FaransaZazzage sharhin hukumar haraji kan wurin zama na haraji:
Ƙananan Rangwame
Ƙarshe
00:00Kada ku yi tunanin za ku iya rayuwa a cikin hukunce-hukuncen 1 kuma ku sa su yarda cewa kun kasance a cikin hurumi 2. Akwai alamun lantarki da yawa waɗanda ke cin amanar kasancewar ku a cikin ikon 1.
Wasu hukunce-hukuncen suna da damar zuwa musamman masu zuwa:
- Lissafin ruwa
- Lissafin wutar lantarki
- Lissafin Intanet
- Lissafin waya
- Sanarwa na haɗin gwiwa
- Harajin gidaje
- Haraji na dukiya
- Intanet DNS (Misali: DNS Orange)
- Alamar iyaka ta waya (misali eriya ta Orange)
- Jerin fasinja na jirgin sama: PNR (Passenger Name Record)
- Cire ATM
- Amfani da katin banki (kasuwanci ko kan layi)
- Makarantar yara
- Taimakon zamantakewa (Allances)
Zazzage teburin mutanen da suka yi ƙoƙarin yin zamba a wurin zama na haraji ba su yi nasara ba:
Ƙananan Rangwame
Ƙarshe
00:00Samun wurin zama mai kyau na haraji yana buƙatar sadaukarwa. A bi doka sosai. Kada ku bar wata alaƙa a baya (ma'aurata, yara, gida, kasuwanci) wanda zai iya cin amana ku.
Haraji Biyu
Harajin sau biyu yana faruwa lokacin da kuka zama mazaunin haraji a cikin fiye da yanki ɗaya. Wannan na iya faruwa, alal misali, idan kun wuce adadin kwanakin da suka cancanci zama mazaunin haraji a cikin waɗannan hukunce-hukuncen a cikin shekara ta haraji guda ɗaya, ko kuma idan kun haɗu da wani yanayin da ya cancanci ku zama mazaunin haraji a waɗannan hukunce-hukuncen. A wannan yanayin, za a biya kuɗin kuɗin ku sau da yawa, a cikin duka hukunce-hukuncen 1 da na 2. Lura cewa babu iyaka ga adadin hukunce-hukuncen da za su iya biyan ku haraji lokaci guda, don haka za ku iya kasancewa ƙarƙashin haraji ninki biyu, sau uku, ko sau huɗu. Kuna so ku guje wa wannan a kowane farashi.
Yarjejeniyar kasa da kasa (tsakanin kasashe) na taimakawa wajen hana wannan lamari. Ana kiran waɗannan matani yarjejeniyar haraji biyu. Idan aka girmama su, suna ba ku damar biyan haraji a cikin yanki ɗaya kawai, gabaɗaya mafi yawan kwace.
An cire daga yarjejeniyar haraji tare da Jamhuriyar gurguzu ta Faransa:
a) foyer (...) permanent (...) résident (...) Etat (...) liens (...) étroits (...) centre des intérêts vitaux ; (a) gida (...) dindindin (...) mazaunin (...) Jiha (...) alaƙa (...) kusa (...) cibiyar mahimman bukatu;b) Si (...) intérêts vitaux (...) pas (...) déterminé (...) résident (...) Etat (...) séjourne (...) habituelle ; (b) Idan (...) mahimman bukatu (...) ba (...) ƙaddara (...) mazaunin (...) Jiha (...) ya zauna (...) al'ada ;c) Si (...) aucun d'eux (...) résident (...) Etat (...) nationalité ;(c) Idan (...) babu ɗayansu (...) mazaunin (...) Jiha (...) ɗan ƙasa ;d) Si (...) nationalité (...) aucun d'eux (...) autorités (...) commun accord.d) Idan (...) dan kasa (...) babu daya daga cikinsu (...) hukumomi (...) yarjejeniyar juna.Zazzage jerin yarjejeniyoyin haraji sau biyu tare da Jamhuriyar gurguzu ta Faransa:
Ƙananan Rangwame
Ƙarshe
00:00Ko da yake za ku iya zama marasa ƙasa, wannan tsattsauran bayani zai fallasa ku ga maƙarƙashiya, duka ta fuskar gudanarwa (misali, dukiya, haya, ƙirƙirar kamfani, buɗe asusun banki, da sauransu) da motsi. Don haka rashin kasa ba shine mafita ba.
Matafiyi na dindindin
Matafiyi Na Dawwama (ko Maziyartan Maziyarta) ba ya dawwama a cikin hukumci. Wannan don tabbatar da cewa ba su taɓa zama mazaunin haraji ba. Ma'auni don cancanta a matsayin mazaunin haraji ya bambanta dangane da ikon da ake da shi. Wasu hukunce-hukuncen, irin su Amurka da Eritriya, suna da tsarin haraji bisa ɗan ƙasa (ciki har da Katin Green). Wasu, irin su Jamhuriyar gurguzu ta Faransa, sun dogara ne akan ka'idar rinjaye na wucin gadi da na tattalin arziki, ko rashin hakan, kasa. Yawancin lokaci, cancanta a matsayin mazaunin haraji yana buƙatar ƙaramin lokacin kasancewa a cikin ikon. Idan haka ne, wannan lokacin gabaɗaya yana tsakanin kwanaki 120 zuwa 182. Ta hanyar taɓa zama fiye da kwanaki 120 a cikin hurumi a lokacin shekara ta haraji, a cikin yankuna waɗanda ke yin wannan cancantar, kuma ta hanyar yin rajista daga rajistar mazaunin haraji na waɗanda ba sa yin rajista, zaku iya guje wa zama mazaunin haraji na waɗannan hukunce-hukuncen bisa doka. Wannan ya ƙunshi ziyartar ƙananan hukumomi huɗu a kowace shekara ta haraji.
Wannan na iya, ko da yake, ya haɗa da yin watsi da ƙasar ku. Musamman idan ya yi amfani da tsarin yarjejeniyar haraji biyu. Haƙiƙa da sirrin manufar waɗannan yarjejeniyoyin, kamar yadda za ku fahimta, ita ce sanya ku haraji a cikin ikon da mafi girman haraji.
Yawancin hukunce-hukuncen duniya ba su da yarjejeniyar biyan haraji sau biyu. Idan kun sami zama ɗan ƙasa a cikin ikon ba tare da hanyar sadarwa na yarjejeniyar haraji biyu ba, zaku iya amfani da wannan rashin tsarin haraji don amfanin ku.
Lokacin da aka aiwatar da shi yadda ya kamata, Tsarin Nomadism na Matafiya na Dawwama yana ba ku damar zama mazaunin haraji na yankuna sifili. A matsayinka na mutum, harajin shiga ku shine 0%.
Ga cikakken misali:
- Ƙasa a Singapore
- Hayar watanni 3 a Monaco (ba harajin shiga, amma zauna ƙasa da kwanaki 183, don haka babu wurin zama na haraji)
- Hayar watanni 3 a cikin Hadaddiyar Daular Larabawa (ba harajin shiga, zauna kasa da kwanaki 183)
- Hayar watanni 3 a Singapore (babu wurin zama na haraji, kasa da kwanaki 183 kuma babu cibiyar sha'awa ta tattalin arzikin gida)
- Yarjejeniyar watanni 3 akan jirgin ruwa (Jirgin ruwa, jirgin ruwa, jirgin ruwa) a cikin ruwa na duniya (babu ikon haraji, amma mai haɗari fiye da busasshiyar ƙasa)
- Kamfanin na bakin teku a cikin tsibiran Cayman (haraji na kamfani) wanda ke ba da sabis na ƙasa da ƙasa, wanda aka gudanar a cikin gida don haka ba a ƙarƙashin hana haraji a cikin ikon da aka ba da izini.
- Asusun banki na waje
Da wannan misalin, ba ku biyan haraji, saboda:
- Ba ka zama mazaunin haraji na kowane iko ba
- Ba a haɗa kuɗin shiga ku da ikon haraji
- Ƙasar ku ba ta biyan ku haraji akan kuɗin shiga na duniya
Wata fa'ida ita ce da wuya a same ku. Tunda kuna tafiya akai-akai kuma ba ku da takamaiman adireshi, gwamnati da masu bin ku suna da wahalar samun ku. Koyaya, wannan na iya komawa baya idan kuna buƙatar sabunta katin shaidar ku ko fasfo. Ana buƙatar waɗannan takaddun hukuma idan kuna shirin tafiya ta jirgin sama tare da dillalan jama'a, ko kuma a yayin da aka yi rajistar ba tare da sanarwa ba a cikin ikon da kuke ziyarta. Don haka ana ba da shawarar akwatin saƙo na dindindin. Idan ya cancanta, tabbatar da yin rijistar wannan adireshi a cikin ingantaccen iko.
Dabarar matafiya ta dindindin, yayin da take da inganci, tana tilasta muku zama makiyaya. Dole ne ku tattara kayanku koyaushe kuma ku motsa. Duk da yake yana iya zama mai daɗi don ziyarci ƙasashe daban-daban, kuma wani lokacin ma yana da dacewa sosai (dangane da buƙatun lokacin, kuna kusa da mafi kyawun asibiti, mafi kyawun gidan abinci, kuma kuna amfana daga rani na har abada ta hanyar canza hemispheres), nauyin dabaru da tunani na yin motsawa kowane watanni 3 na iya ƙarshe tabbatar da rashin jurewa. Musamman idan kuna da dangi, yawancin abubuwan sirri don adanawa, ko kuma mutum ne mai ƙarancin motsi ko kuma a ƙarshen rayuwarsu. Ba kowa ba ne ke da gidan hannu na dindindin kamar motar daukar kaya ko jirgin ruwa. Waɗannan za su yi wahala ta wata hanya idan kuna son tashi.
Yawo yana buƙatar ƙaramin kaya, tare da raguwa da ƙima. Ana kuma daidaita nauyi. Tabbas ba za ku iya ɗaukar gidan ku tare da ku ba. Waɗannan girman sun bambanta dangane da kowane jirgin sama.
Zazzage girman kayan da aka yarda don tashi:
Ƙananan Rangwame
Ƙarshe
00:00Sanin waɗannan matsalolin yana ba ku damar sanin ko an yi ku don wannan rayuwar ta makiyaya ta har abada.
Bugu da ƙari, yawan tafiye-tafiyen jirgin sama yana buƙatar kafa ƙayyadaddun kasafin kuɗi. Zai fi kyau a yi ajiyar tikitinku a gidan yanar gizon kamfanin jirgin sama don tabbatar da biyan kuɗi cikin sauƙi a yayin da aka soke. Koyaya, kafin faruwar hakan, kuma don zaɓar jirgin da ya dace, yana da kyau a kwatanta farashin da kowane kamfani ke bayarwa. Bambance-bambancen farashi na iya kaiwa wasu lokutan Yuro ɗari da yawa don tikiti ɗaya. Tsawon rayuwa a matsayin matafiyi na dindindin, yin amfani da wurin kwatanta farashin yana fassarawa zuwa tanadi na dubun dubatan Yuro.
Ziyarci wannan rukunin yanar gizon don kwatanta farashin tikiti:
Ƙananan Rangwame
Ƙarshe
00:00A matsayinsa na makiyaya, Matafiyi na dindindin ya tilasta wa kansa ya mallaki komai. Ko da wardrobe. Dole ne rayuwarsa ta shiga cikin akwati. Wannan rayuwar zuhudu ba ta hannun kowa. Ga yawancin mutane, wannan horo na ƙarfe yana ɗaukar nau'i na ƙuntatawa wanda ke da wuyar daidaitawa tare da sauran burin rayuwa.
Kasancewa da haɗin kai yayin tafiya ya zama dole. Koyaya, idan kun yi amfani da tsarin wayar ku daga ikon A cikin ikon B, ana fallasa ku ga hukuncin da ake kira cajin yawo. Wannan wuce gona da iri na iya kaiwa ga adadin da aka haramta, kama daga +30% zuwa +15 000%. Ko kuna kira, hawan igiyar ruwa, ko samun damar imel ɗinku ko tikitin jirgin sama, kuna buƙatar samun damar shiga hanyar haɗin gida a cikin dannawa kaɗan kawai, a mafi kyawun ƙimar kuɗi. Ana yin wannan damar ta amfani da, misali, abokin tarayya mai iya tura eSIMs a duk duniya.
Yi amfani da wannan abokin tarayya don adana eSIM ɗin ku akan ragi mai rahusa: -5% :
Ƙananan Rangwame
Ƙarshe
00:00A ƙarshe, Ana buƙatar Mai Tafiya na dindindin a wasu lokuta don ziyartar yankuna masu nisa. Wannan aiki mai haɗari yana buƙatar ingantaccen inshorar lafiya. Wannan inshora dole ne ya kasance musamman ta hannu kuma zai iya bin ku a ko'ina cikin duniya.
Inshorar Lafiya ta Balaguro
Don samun biza, a wasu kalmomi haƙƙin shiga ƙasarsu, wasu hukunce-hukuncen za su buƙaci ka gabatar musu da ingantacciyar inshorar lafiya ta ƙasa da ƙasa.
Manufar ku, la'akari da kayan aikin gudanarwa ne kawai, shine samun inshora mafi arha. Yawancin tsare-tsaren inshorar lafiya na duniya suna tsada tsakanin 500 EUR da 3 000 EUR kowace shekara.
Amfanin waɗannan inshorar shine cewa suna biyan mafi mahimmancin farashi, kamar asibiti na rashin son rai, kuma suna barin ku da alhakin ƙananan kuɗin kiwon lafiya.
Idan kun yi taka tsantsan, wannan yana ba ku damar adana dubun-dubatar Yuro da yawa akan farashin inshorar lafiya na tilas (kudaden harajin ku).
A wasu ƙasashe, irin su Tailandia, yawancin asibitoci sun fi na yammacin duniya. Thailand tana alfahari da asibitocin zamani. Ta'aziyyar ta haihu da na wasu manyan otal-otal. Kayan aiki na zamani ne. Ma'aikatan kiwon lafiya suna da yawa kuma suna samuwa. Kuna iya samun alƙawari a rana ɗaya, ko cikin sa'o'i 24.
Don taimaka muku zaɓi inshorar lafiyar balaguron balaguron ku, mun zaɓi wasu kamfanoni da aka amince da su waɗanda ke ba da irin wannan sabis ɗin a farashi mai arha.
Biyan kuɗi zuwa ɗaya daga cikin waɗannan inshorar lafiya don ba da tabbacin samun bizar ku:
Faransa (FR)
100 GBP tayin
Ƙananan Rangwame
Ƙarshe
00:00Yanzu da damuwar inshorar ku ta ƙasa da ƙasa ta ƙare, bari mu gano wasu wuraren zama na haraji masu ban sha'awa.
Tax Residence Paraguay
Paraguay tana da tsarin harajin yanki. Wannan yana nufin cewa ba ku biyan harajin kuɗin shiga kan ribar da aka samu daga wata ƙasa (daga ikon wanin Paraguay). A matsayinka na mutum, harajin shiga ku shine 0%.
Ɗaya daga cikin fa'idodin samun wurin zama na haraji a Paraguay shine ikon samar da wannan bayanin lokacin buɗe banki ko asusun dillali. Bayanin da ake buƙata ta CRS (Madaidaicin Rahoto na gama gari) ciyarwar atomatik ana aika shi kai tsaye zuwa wannan ikon.
Samun mazaunin haraji a Paraguay yana da sauƙi. Akwai hukumomin da ke shirya balaguron balaguron kwana uku don sanya hannu kan wasu takardu (ajiya na banki, hayar gida). Gudanarwa, za a ɗauke ku a matsayin mazaunin Paraguay fiye da kwanaki 120. Ta yin haka, za ku cancanci kai tsaye azaman mazaunin harajin Paraguay.
Koyaya, dole ne ku yi tafiya kowace shekara 3 don kiyaye haƙƙin ku na zama na ɗan lokaci a cikin ƙasar Paraguay.
Belize Tax Residency
Belize, ɗaya daga cikin ƴan ƙasashen Amurka ta Tsakiya waɗanda harshensu Ingilishi ne, suna ba da biza mai suna QRP (Qualified Retirement Program). Duk wanda ke riƙe da wannan bizar ya cancanci shekara ɗaya (mai sabuntawa) a ƙarƙashin tsarin harajin yanki. Wannan yana nufin ba ku biyan harajin kuɗin shiga kan ribar da aka samu daga wata ƙasa (daga ikon wanin Belize). A matsayinka na mutum, harajin shiga ku shine 0%.
Mutane masu zuwa sun cancanci:
- Kasancewa sama da shekaru 40
- Tabbatar da samun kuɗin shiga kowane wata sama da 2 000 USD da aka samar a wajen Belize
- Ba ya aiki a Belize
- Samun rikodin laifi mai tsabta
- HIV mara kyau (ba tare da AIDS)
Duk wanda ya cancanta zai iya haɗawa a cikin shirin QRP ma'aurata, da kuma 'ya'yansu a ƙasa da shekaru 18 da yara 'yan ƙasa da shekaru 23 idan sun shiga jami'a.
Takardun da ake buƙata don QRP sune:
- Fom ɗin aikace-aikacen (fum ɗin nema) ga kowane ɗan uwa
- Sanannen takardar shaidar haihuwa ga kowane ɗan uwa
- Sanannen takardar shaidar aure
- Rikodin aikata laifuka na asali daga wurin zama na ƙarshe (an fitar da wata guda kafin aikace-aikacen).
- Kwafin launi na fasfo ɗin gabaɗaya (ciki har da duk shafuka marasa tushe). Dole ne kowane shafi ya zama bokan kuma a buga tambarin notary. Ga kowane dan uwa.
- Tabbacin samun kudin shiga. Bayanin hukuma daga banki a ƙasar mazaunin yana ba da tabbacin samun kudin shiga na kowane wata na aƙalla 2 000 USD a kowane wata, ko 24 000 USD a kowace shekara, ta hanyar fensho ko kuɗin da ake samu a wajen Belize.
- Binciken likita da gwajin cutar kanjamau ga kowane dan uwa.
- Hotunan fasfo masu cikakken fuska guda hudu, gami da notaried guda 2, ga kowane dan uwa.
- Hotunan fasfo guda hudu, gami da notaried guda 2, ga kowane dan uwa.
Kudaden sune kamar haka:
- Kudin aikace-aikacen: 1 000 USD
- Kudin kowane dogara: 750 USD
- Kudin Katin ID QRP : 200 USD, kowane kati
- Kudin Sabunta Katin ID QRP : 25 USD, kowace shekara, kowane kati
Da zarar an amince da su, masu karɓar QRP dole ne su buɗe asusun banki na gida kuma su ajiye kuɗin fanshonsu na wata-wata. Hukumar Yawon shakatawa ta Belize za ta nemi bayanan banki na shekara-shekara don tabbatar da samun kudin shiga da kuma bin shirin ritaya.
A aikace, wannan yana nufin kuna buƙatar saka 24 000 USD kowace shekara. Duk da haka, babu wani abin da zai hana ku cire waɗannan kudade da sake saka su a banki ɗaya daga baya. Tabbas zaku iya kula da QRP ɗinku ta hanyar jujjuya wannan 24 000 USD daga shekara zuwa shekara.
Bayan shekara 1 na zama (kasa da kwanaki 14 a wajen ƙasar), kuna iya neman matsayin zama na dindindin.
Bayan shekaru biyar na riƙe matsayin zama na dindindin da ainihin wurin zama na dindindin (kasa da kwanaki 30 a jere a wajen ƙasar, kuma ƙasa da watanni uku a wajen ƙasar a cikin shekara ɗaya), kuna iya neman zama ɗan ƙasa na Belize. Babu gwajin harshe ko ilimin da za a ci. Kasancewar ci gaba da zama a Belize kawai yana ba ku cancanta.
Ko da yake tsada a farkon shekara, wannan zama na iya, a cikin dogon lokaci, kai ga sauki-to-samun zama dan kasa.
Koyaya, idan kuna shirin zama a kudu maso gabashin Asiya, Indonesiya wuri ne mai ban sha'awa.
Matsayin Harajin Indonesiya
Indonesiya tana ba da biza mai suna E33G Remote Worker KITAS. KITAS na nufin Kartu Ijin Tinggal Terbatas (Katin izinin zama na ɗan lokaci). Wannan visa mai sabuntawa tana ba ku damar zama a Malaysia har tsawon shekara 1. A matsayin mutum mai KITAS, harajin ku na shiga shine 0%.
Anan ga sharuɗɗan samun takardar iznin E33G Remote Worker KITAS :
- 150 USD + 15 000 000 IDR (965 USD) ~= 1 115 USD
- Fasfo: Mafi ƙarancin aiki na watanni 6 a ranar isowa
- Bayanin banki na sirri: Mafi ƙarancin 2 000 USD a cikin watanni 3 da suka gabata
- Hoton kwanan nan
- Asusun banki/dillali (na sana'a da/ko na sirri): Mafi ƙarancin 60 000 USD a cikin shekarar da ta gabata
- Kwangilar Aiki: Kamfanin Ba Indonesiya
- Amfani da visa a Indonesia kwanaki 90 daga ranar fitowa
- Hana diyya (aiki) daga Indonesia
Wannan sigar takarda tare da lambar QR an ƙara ta da katin zahiri wanda zaku iya yin oda lokacin isowa. Menene ƙari, ba za ku yi layi tare da masu yawon bude ido ba lokacin da kuka isa filin jirgin sama, saboda KITAS suna da nasu layin sadaukarwa.
Bayar da ku zuwa 0% haraji na mutum na tsawon shekara 1, ana iya sabuntawa har abada, Indonesiya E33G Remote Worker KITAS shine ainihin ɗayan mafi kyawun biza da ake samu a duniya. Ka tuna cewa Indonesiya (Babban birnin: Bali) yanki ne mai ban sha'awa na tattalin arziki (ƙananan tsadar rayuwa). Wannan bizar babban zaɓi ne don samun nasarar ficewa.
Zazzage wannan jagorar zuwa biza wanda ke ba ku damar yin aiki nesa (shafukan 84):
Ƙananan Rangwame
Ƙarshe
00:00Yi amfani da waɗannan gidajen yanar gizon don nemo masauki akan ƙasa da EUR 10 kowace dare:
Ƙananan Rangwame
Ƙarshe
00:00Yi hankali, duk da haka, saboda wasu hukunce-hukuncen Kudancin Asiya suna ɗaukar hukuncin kisa don mallakar muggan ƙwayoyi. Duk abin da zai ɗauka shine wani ya zame abin da ya aikata laifin a cikin kayanku don kawo ƙarshen faɗuwar ku. Yi hankali. Yi tafiya kawai tare da kayan ɗauka, kulle kayanku, yi rajista tare da ofishin jakadanci, kuma ku tabbata kuna da fasfo da yawa, daidai fasfo na waje.
Fasfo na waje
Samun fasfo na waje na biyu garantin 'yanci ne. Idan an kwace na farko ko aka soke, nan da nan za ku iya amfani da na biyun a matsayin ajiya.
Wannan shi ne yanayin lokacin da kuka shigar da hukuma, amma, bayan cin zarafi, ana kwace fasfo ɗinku na farko, wanda kuka shiga, ko zama da shi.
Idan kuna da fasfo ɗaya kawai, kuna haɗarin kasancewa cikin wannan ikon na rayuwa. Wannan yana sanya ku cikin yanayin dogaro da ikon da ya ba da fasfo ɗin ku. Don samun fasfo na biyu, dole ne ku je ofishin jakadancin wannan ikon. Dole ne ku samar da takardu da yawa, wani lokacin na zahiri, don tabbatar da ainihin ku. Ba a da tabbacin cewa za ku sami waɗannan takaddun a daidai lokacin. Daga nan za a ba ku takardun izini a wani yanki na waje.
Idan lamarin ya kasance cikin gaggawa, misali, idan yaki ya kusa ko kuma aka kaddamar da shirin soja, mai yiwuwa ba za ka sami wata guda ba. Kuna buƙatar ɗaukar mataki nan da nan. Wannan shine inda samun fasfo na biyu ke da fa'ida. Ka'idar iri ɗaya ce da katunan banki da yawa. Idan kwafin farko ya ɓace, ba ku da taimako. Fasfo na biyu yana shirye don amfani da shi cikin gaggawa. Kuna iya juyo nan da nan da yin fuska. Ba a taɓa kama ku ba.
Gano jagorar zuwa mafi kyawun fasfo:
Ƙananan Rangwame
Ƙarshe
00:00Kada ka jira har sai ka sami kanka a cikin wani yanayi maras misaltuwa. Yi odar fasfo ɗin ku na biyu da wuri-wuri. Wannan zai ba ka damar ƙara wani kirtani a baka. Za ku sami kwanciyar hankali da sassauci. Za a ba ku tabbaci game da ikon ku na shiga da fita cikin yardar kaina daga yankunan da kuka ziyarta.
Fasfo Biyu
Ga kowane fasfo da aka riƙe a cikin wani yanki, kuna iya samun wani fasfo daga wannan ikon.
Ana samun wannan zaɓi a gare ku idan fasfo ɗin ku na iya nuna wuraren da ba su dace ba, musamman a cikin tazara na kusa.
Kawo waɗannan takaddun tare da ku:
- Wasiƙar dalili mai bayyana buƙatar fasfo na biyu
- Kwafin fasfo na yanzu
- Takardun balaguro (tikitin jirgin sama, hanyoyin tafiya, biza)
- Takaddun shaida mai aiki da ID na hoto
- Wasiƙa daga mai aiki, idan an zartar
Zazzage wannan wasiƙar samfuri mai neman fasfo biyu don kulawar hukuma:
Ƙananan Rangwame
Ƙarshe
00:00Zazzage wannan samfuri na wasiƙar ma'aikata don kulawar gudanarwa:
Ƙananan Rangwame
Ƙarshe
00:00Hukumar (Prefecture, Town Hall, Consulate) za ta ba ku fasfo na biyu.
Keɓaɓɓen Banki na Ƙasashen waje
Bude asusun ajiyar banki na ketare na iya wakiltar matakin farko zuwa 'yanci ko, aƙalla, matakin farko na hankali ya danganta da ikon da aka zaɓa.
Mun tattara jerin bankunan da ke cikin teku waɗanda ke aiki da sunan ku. Koyaya, wannan jeri ba a tabbatar da shi ba. Kafin ka ba da kuɗin ajiyar ku ga mutumin farko da kuka haɗu da shi, tabbatar da karanta bita a hankali kan TrustPilot sannan ku fayyace sharuɗɗan kwangila tare da kowane banki da kuka tuntuɓa. Musamman, tambaya idan banki ne na ɓangare na uku, idan akwai ƙuntatawa a wurin tsakanin hukunce-hukuncen, ko kuma idan kuna iya tura kuɗi zuwa wani dillali. Lura cewa duniyar banki tana ci gaba koyaushe, kuma sharuɗɗan fa'ida da aka samu yayin buɗe asusu ana iya yin bita ko canzawa cikin lokaci.
Zazzage jerin bankunan da ke aiki da sunan sirri:
Ƙananan Rangwame
Ƙarshe
00:00Bude asusun ajiyar banki na ketare na iya zama mai rikitarwa, wani lokacin fiye da asusun dillali. Ana buƙatar ku sau da yawa don samun haɗi zuwa ikon da ake tambaya. Samun haya na gida da biyan wutar lantarki da lissafin waya a cikin yankin da aka yi niyya ana yaba wa bankuna. Kasancewa mazaunin haraji, ma'ana kuna iya biyan haraji, ana ma ƙarin godiya. Koyaya, ya danganta da adadin da wajibai masu alaƙa (kasancewar jiki, dubawa), biyan kuɗin gida da haraji na iya zama ba su dace da ku ba.
Kuna iya buɗe asusun ajiyar waje a matsayin mutum na halitta. Koyaya, don haka, kuna da rauni ga harin haraji akan mutumin ku da sunan ku. Mummunan latsawa game da kamannin ku na zahiri zai kasance har abada a cikin tarihin intanet. Zai iya tasiri har abada ikon buɗe wasu asusun banki da yin kasuwanci. A matsayin mutum na halitta, haɗarin suna da kuɗi yana da yawa. Ba za ku iya rufe kanku ba. Duk wani hari da kuka sha zai sami sakamako mara misaltuwa. Kamar tabo, waɗannan sau da yawa ba za a iya goge su ba kuma suna dawwama. Don waɗannan dalilai, ana ba da shawarar ku ƙirƙiri kamfani ɗaya ko fiye don kare kanku. Idan aka sami babban koma baya, waɗannan wakilai ne za su shafa. Siffar jikinku za ta kasance daidai. Za ta tsira daga hare-haren. Koyaushe za ku iya juyawa, samun damar kuɗin ku, buɗe wasu asusu a wani wuri, da ci gaba da kasuwancin ku a ƙarƙashin ƙwararrun ƙwararru ta daban.
Bugu da ƙari, a wasu bankunan, yana da wuya a wasu lokuta, idan ba zai yiwu ba, bude asusun banki a matsayin mutum na halitta. Ana sauƙaƙa tsarin lokacin da kuke zama mahaɗan doka. Lallai, a matsayin kasuwanci, ƙasar ku da wurin zama na haraji a matsayin mutum ɗaya na sakandare ne. Abinda ke da mahimmanci shine ikon da kasuwancin ke cikin gida.
Bugu da ƙari, da zarar an buɗe asusun kasuwancin ku, babu abin da zai hana ku buɗe asusun sirri. Lallai, idan kun riga kuna da ƙwararrun kadarori a banki, kuma kun nuna mahimmancinku da ƙarfin ku na saka hannun jari na ƙwararru, bankin ba zai sami ƙin buɗe muku asusu na sirri ba a kwanan baya. Wannan zai ba ka damar, idan ya cancanta, ka yi ƙaura zuwa ƙasashen waje adadin da ka tara da kanka. Da zarar an yi wannan yunƙurin, za ku iya amfani da kasuwancin ku don shiga cikin bashi don haka canja wuri, ba tare da wani haraji ba, ajiyar ku na sirri zuwa asusun kasuwancin ku.
A takaice, da farko gabatar da kanku a matsayin manajan kamfani yana sa buɗe asusun banki a waje da sauƙi fiye da buɗe asusun a matsayin mutum ɗaya. A matsayin kamfani, ya danganta da ikon da kuka zaɓa, kuna iya shiga kowane banki a duniya. Wannan dabarar ta dace da ka'idar mallakar komai da sarrafa komai.
Mallake komai, sarrafa komai
Mallakar komai, sarrafa komai dabara ce mai inganci don gina dukiya ta har abada. Ta hanyar mallakar komai, ba za ku iya fuskantar shari'a da haraji ba. Lallai ba zai taba yiwuwa gwamnati ta kwace ku ba idan ba ku mallaki komai ba. Ta hanyar sarrafa komai, kuna amfana daga albarkatun da aka saka da sunan sauran ƙungiyoyi. Waɗannan ƙungiyoyin za su riƙe mallakar kadarorin ku a wurin ku. Da kyau, za su kasance kasashen waje, ma'ana sun fi karfin gwamnatin haraji.
Wannan ra'ayi yana da mahimmanci wajen gina gine-ginen kuɗin ku. Ta hanyar fakewa a bayan wakilai, bisa doka za a gane ku ba ku da albarkatun kanku. Za ku dogara ga wasu mutane ko ƙungiyoyin doka don tallafa wa kanku da yin jarin ku. Koyaya, dangane da ƙungiyoyin doka, babu abin da zai hana ku amfana daga gare su da/ko sarrafa su daga nesa, kai tsaye ko a kaikaice.
"Own Nothing, Control Everything"
John Davison ROCKEFELLER"Ba komai, Sarrafa Komai"
John Davison ROCKEFELLERKasancewa ɗan tsana ya ƙunshi aiki a matsayin mai zane. Don yin sihiri ya faru akan mataki, kuna buƙatar kayan aiki kamar allon hayaƙi da wayoyi masu sarrafawa marasa ganuwa. Don cimma wannan, fara da kafa kamfani na ketare.
Kamfanin Offshore
Fara kasuwancin ketare yana ba ku damar guje wa dokokin gida. Wannan yana nufin, alal misali, keɓewa daga bin ka'idoji masu cin lokaci da rashin daidaituwa, waɗanda ke haifar da shinge ga gasa. Hakanan yana ba ku damar samar da ƙarin kudin shiga ta hanyar haɓaka ƙwarewar harajinku. Ana iya sake saka wannan kudin shiga. A ƙarshe, wannan na iya ba ku fa'ida mai mahimmanci akan masu fafatawa.
Hukunce-hukuncen da ke ba da na'urori na biyan kuɗi, wato, hanyoyin tattara kuɗi akan layi, za su zama ɓangarorin daular kasuwancin ku. Kamar namomin kaza a cikin hanyar sadarwar mycelium. Idan wasu daga cikin waɗannan hukunce-hukuncen suna biyan haraji, to dole ne ku matsar da albarkatun da aka tattara ta hanyar hanyar sadarwa na tsaka-tsaki da rashin sha'awar shiga, don haɓaka harajin ku. Wannan don kada kasuwancin ku ya kasance yana da alaƙa da ikon haraji. Waɗannan masu shiga tsakani na iya, idan ya cancanta, ɗauki kwamiti, gabaɗaya kusan 5%. Daga baya, zaku iya maye gurbin waɗannan masu shiga tsakani da ƙungiyoyin da kuke sarrafawa, don iyakance farashin irin wannan aiki.
LLC
Mafi kyawun tsarin bakin teku shine LLC (Limited Liability Company), ko makamancin sa na gida. LLC tana kare manajojinta daga matakin doka. Yana ba da damar amfani da Manajan Nominee. A wasu kalmomi, yana ba da damar yin amfani da manajoji na gaba a cikin rajista don ɓoye sunayen masu gudanarwa na ainihi. Haƙiƙa ce mai gaskiya ta kasafin kuɗi. Wannan yana nufin cewa membobin (masu hannun jari) na LLC ana biyan su haraji bisa ga mazauninsu na haraji.
Membobin LLC na iya zama mutane ko ƙungiyoyin doka. Kuna iya ƙirƙirar tsarin jeri mai alaƙa ta samun LLC 1 a matsayin memba na LLC 2, wanda memba ne na LLC 3, da sauransu. Kuna iya sarkar LLC100 ko 1 000 idan kuna so; babu iyaka fasaha. Hakanan LLC na iya samun mambobi da yawa, kowannensu na iya zama LLC. Ta hanyar ninka LLC, kuna watsa bayanai kuma kuna rikita batun. Wannan dabarar siloing da encapsulation na iya yin tasiri sosai, ya danganta da matakin hankali da ikon da aka zaɓa don ƙirƙirar LLC ku.
Anan ga taswirar kwarara da ke bayanin yadda ake ƙirƙirar LLC :
Yin hulɗa tare da jihar yana buƙatar amfani da wani ɓangare na uku da ake kira Wakilin Rijista. Wannan ƙwararren ƙwararren kasuwanci ne wanda jihar ta rantse don gudanar da ayyukan LLC. Dole ne ku bi ta wannan Wakilin Rijista don kowane ƙirƙirar LLC, gyara, ko ayyukan sokewa.
Zai yi kyau a yi amfani da kamfanin lauyoyi don tattaunawa da Wakilin da ke Rijista, don kada a yi kuskure wajen rubuta takardun.
Takardun sune kamar haka:
- Takaddun Ƙirƙira: Takaddun hukuma da ke tabbatar da ƙirƙirar LLC
- Labaran Ƙungiya: Kwanan wata, Sunan LLC, Nau'in Gudanarwa, Wakilin Rijista
- Mintunan Ƙungiya: Maƙasudin taron ƙungiyar
- Yarjejeniyar Aiki: Ayyukan cikin gida na kamfanin
- Murabus: Ya nada ku a matsayin Memba kuma Manajan kamfanin
- Certificate of Good Standing (600 USD): Kamfanin ya sabunta tare da wajibcin harajinsa
- Certificate of Incumbency (600 USD): Membobi da Manajoji na kamfanin, bisa ga rijistar Jiha
- Rajista na Membobi: Membobi (Masu hannun jari) na kamfanin, a cewar Manajan
- Manajoji Rijistar: Manajojin Kamfanin, a cewar Manajan
Duk da haka, mai yiyuwa ne rajistar da Jiha ke kula da ita da kuma Rijistar da Manaja ke kula da ita na iya zama ba daidai ba da gaskiya. Wannan na iya faruwa idan an sanya hannu a baya yarjejeniya don canja wurin sha'awar Memba (canza Memba), ko na nadin Manajan (canjin Manajan), a baya. A wannan yanayin, wannan yarjejeniya ce ta zama doka.
Yanzu bari mu ga wane ne mafi kyawun ikon kafa LLC.
US LLC
Anan ga fa'idodin US LLC :
- Mai jituwa tare da masu sarrafa biyan kuɗi (Stripe)
- Manajojin da aka zaba
- Babu bayanan jama'a (Delaware)
- 0% Harajin Samun Kuɗin Waje (Delaware)
A tarihi, ɗayan mafi kyawun jihohi don ƙirƙirar US LLC shine Delaware. 60% na kamfanonin Fortune 500 (masu matsayi na manyan kamfanonin Amurka 500, wanda aka zaba ta hanyar kudaden shiga) an haɗa su a cikin Delaware.
Kudin US LLC :
- Halitta: 500 USD
- Sabunta shekara: 300 USD
- Lissafi na shekara: 450 USD
- Rushe Asusu: 500 USD
Yi amfani da wannan mai bada don ƙirƙirar US LLC :
Ƙananan Rangwame
Ƙarshe
00:00Don buɗe asusun banki na Amurka, kuna buƙatar:
- Adireshin Amurka
- Lambar wayar Amurka
In ba haka ba, bankunan na iya karɓe ku, ko kuma su rufe asusunku.
Adireshin Amurka don farashin LLC :
- Halitta: 300 USD
- Sabunta shekara: 600 USD
Yi amfani da wannan mai bada don ƙirƙirar adireshin Amurka (Rangwame: -20%):
Ƙananan Rangwame
Ƙarshe
00:00Ana iya bincika imel da/ko turawa, kuma ana lalata ta ta atomatik cikin kwanaki 30.
Wannan adireshi na Amurka yana da tabbacin ba CMRA ba (Commercial Mail Receiving Agency), wanda ke ba ku damar buɗe asusun banki na Amurka.
Kuna iya duba matsayin CMRA na adireshin ku ta amfani da wannan rukunin yanar gizon:
Ƙananan Rangwame
Ƙarshe
00:00Filin Hukumar Karbar Wasiku na Kasuwanci dole ne ya kasance yana da ƙimar "N" (A'a).
Na gaba, bari mu matsa zuwa wayar kama-da-wane ta Amurka.
Wayar Amurka don farashin LLC :
- 180 USD
Yi amfani da wannan mai bada don ƙirƙirar lambar wayar Amurka:
Ƙananan Rangwame
Ƙarshe
00:00Wannan lambar wayar tana ba ku damar karɓar kira da saƙonnin rubutu, kamar buɗaɗɗen lambobin asusun ajiyar ku na banki.
A taƙaice, don buɗewa da farashin kulawa na shekara:
| Abu | Halitta | kowace shekara |
| LLC | 500 USD | 750 USD |
| Adireshi | 300 USD | 600 USD |
| Waya | 180 USD | 180 USD |
| Jimlar | 980 USD | 1 530 USD |
Delaware baya buga rajistar jama'a. Ba a harajin kuɗin shiga da aka samu a wajen Delaware.
Who do NOT Conduct Business in Delaware are not required to file a Delaware Corporate Income Tax Return, regardless if incorporated under the laws of Delaware
Delaware, Division of RevenueWadanda ba sa gudanar da Kasuwanci a Delawareba a buƙatar su gabatar da Dawowar Harajin Kuɗi na Kamfanin Delaware, ko da kuwa an haɗa su ƙarƙashin dokokin Delaware
Delaware, Rarraba HarajiZazzage Dokar Harajin Zero Zero:
Ƙananan Rangwame
Ƙarshe
00:00Koyaya, don cin gajiyar wannan keɓewar haraji, Jihar Delaware na iya buƙatar ku tabbatar da cewa lallai an samar da kuɗin shiga a ƙasashen waje. Sannan dole ne ka samar da cikakken jerin ayyukanku. Wannan ya ƙunshi keta tsaro da mamaye sirrin ku.
Dangane da ayyukan da kuka gudanar, idan an tabbatar da cewa an gudanar da su ne don amfanin kanku, za a ɗaga labulen rashin alhaki na LLC ɗinku kuma za a ɗauki alhakin ku da kanku don asarar da ribar kamfanin ku, tare da ma'anar haraji.
Ɗaya daga cikin sanannun adireshi shine 1209 North Orange Street a Wilmington, Delaware, Amurka. Ofishin Amurka na CT Corporation ya karbi bakuncin dubban daruruwan kamfanoni a can. Duk da haka, wannan na iya haifar da tabarbarewar tsaro idan za a kai hari.
Ana shigar da kara miliyan 50 kowace shekara a Amurka. Yin rijistar kasuwancin ku a cikin mafi girman shari'a a duniya yana fallasa ƙungiyar ku ga babban haɗari. Tabbas, babban koma bayan US LLC shine cewa suna ƙarƙashin alkalan Amurka, musamman lokacin da na ƙarshe suka yi watsi da aikinsu na tsaka tsaki.
Elon Musk na ɗaya daga cikin masu hannun jarin Tesla. Domin aikinsa na musamman, hukumar Tesla ta baiwa Elon Musk biyan 56 000 000 000 USD (USD biliyan 56). Wani alkalin Demokuradiyya (mai ra'ayin gurguzu) a Delaware ya soke shawarar masu hannun jarin Tesla, yana mai bayanin cewa adadin ya yi yawa. A ƙarshe Elon Musk ya lashe wannan roko sannan ya koma hedkwatar Tesla zuwa mafi kyawun jihar Texas. Kiyayyar wasu alkalai a Delaware baya goyon bayan masu ƙirƙira ƙima. Irin waɗannan hukunce-hukuncen na iya haifar da rashin tabbas na shari'a. Abin takaici ba za a iya ɗaukar jihar Delaware amintacce ba.
Zazzage hukuncin:
Ƙananan Rangwame
Ƙarshe
00:00Adadin alkalan Amurka sun fara karkata da karya ruhin doka. Suna ƙirƙira hukunce-hukunce daidai da imaninsu na siyasa. Wasu ba sa jinkirin karya labulen rashin alhaki da US LLC suka sanya, saboda dalilai marasa amfani. Wannan yunƙurin da ba a saka ba yana barazana da raunana manajoji da membobin LLC.
Idan kun sami hukunci a kanku, alkalin Amurka na iya ba da buƙatar mai bashi don zama memba na LLC. Wannan yana nufin zaku iya rasa ikon mallakar LLC da duk kadarorinta. Wannan yuwuwar mai sauƙi na iya zama rashin tafiya ga masu kasuwanci da yawa.
Yawancin bankunan da ke wajen Amurka sun ƙi buɗe asusun banki don Mutanen Amurka, ko dai daidaikun mutane (ku) ko ƙungiyoyin doka (LLC naku). Wannan zai buƙaci su aiwatar da matakan bayyanawa. Waɗannan matakan na iya yuwu a shafi duk abokan cinikin su. Lallai, da zarar an aiwatar da tsarin don Amurka, babu abin da zai hana wani ikon ƙara zuwa kwararar atomatik da ake musayar. Don waɗannan dalilai, ƙarin bankunan da ba na Amurka ba suna fara kin abokan cinikin Amurka. Wannan na iya cutar da buƙatarku na rarrabuwar ƙasa.
Ana buƙatar US LLC don shigar da asusunta. Wannan yana wakiltar nauyin gudanarwa. Rashin yin haka ya zama laifi. Don haka, rashin yin lissafin akan lokaci yana da nauyi kwatankwacin na kisan kai. Wannan na iya haifar da gagarumin sakamako ga daraktoci da membobin US LLC. Suna fuskantar laifin aikata laifuka. Ma'ana, tsawaita zama a gidan yari mai cike da tsaro.
Ko da yake ƙirƙira ta da farashin kulawa suna da matsakaici, US LLC ta ƙunshi babban alhaki na laifi, rugujewar ƙa'idar rashin abin alhaki akai-akai, da kuma yuwuwar asarar sarrafa tsarin don amfanin mai lamuni.
US LLC abin hawa ne mai ban sha'awa don farawa da shi. Yana ba ku damar buɗe asusun banki na gida (Amurka) kuma ku tattara kuɗin ku na farko. Duk da haka, saboda yawancin abubuwan da ke tattare da shi, ba wani zaɓi mai mahimmanci ba ne don adana dukiya mai mahimmanci a ciki na dogon lokaci. Don wannan dalili, LLC na Amurka kaɗai yana da haɗari sosai.
Akwai ƙarin hukunce-hukuncen da suka fi dacewa don ƙirƙirar LLC naku.
HK LLC
Hong Kong yanki ne mai cin gashin kansa na kasar Sin, yana bin ka'idar tsarin 1 Sin, 2. Dokokinta a tarihi sun yi daidai da dokar gama gari ta Biritaniya. Harajinsa na yanki ne.
Anan ga fa'idodin HK LLC :
- Mai jituwa tare da masu sarrafa biyan kuɗi (Stripe)
- Masu Zabar Masu hannun jari
- Manajojin da aka zaba
- 0% Haraji akan kudin shiga na waje
Zazzage wannan Dokar HK LLC (shafukan 285):
Ƙananan Rangwame
Ƙarshe
00:00Zazzage wannan Dokar Harajin Cikin Gida (shafukan 435):
Ƙananan Rangwame
Ƙarshe
00:00HK LLC rajista na jama'a ne. Koyaya, HK LLC suna ba da izini ga manajojin da aka zaɓa da masu hannun jari. Wannan yana nufin zaku iya ɓoye ainihin daraktoci da membobin kamfanin daga jama'a. Har yanzu gwamnati za ta san masu amfani.
A cikin mahallin yakin cinikayya tsakanin Amurka da Sin (takunkumi), da tsarin tsarin 1 China 1 (wanda kasar Sin ta ba da shawarar), HK LLC na iya zama duka asara (tantatawa) ko dama (kasuwancin cikin Sin).
An keɓe HK LLC daga haraji akan kuɗin shiga daga ketare. Don cin gajiyar wannan harajin 0%, dole ne ba ku da ma'aikata, babu ofisoshi, babu abokan ciniki, kuma dole ne a sarrafa asusun banki na gida daga nesa. Samun babu abokan ciniki na gida na iya zama matsala, saboda samun abokan ciniki na gida gabaɗaya sharadi ne don samun samuwar HK LLC. Da zarar waɗannan sharuɗɗan sun cika, keɓancewar haraji yana ƙarƙashin kulawa, bayyanawa, da kuma duba asusunku. Dole ne ku gabatar da daftarin ku da takardar ma'auni. Wannan ya ƙunshi nauyin gudanarwa da na kuɗi. Takaddun shaida na asusun ku don samun keɓancewar haraji ga kamfanin ku na iya kashe kusan 5 000 USD.
Mun zaɓi wani kamfani na lissafin kuɗi wanda ɗaya daga cikin abokan hulɗarmu ya yi amfani da shi tsawon shekaru 12. Tare da wannan kamfani, takaddun shaida da kula da HK LLC ɗinku zai kashe 2 500 USD kawai, rabin farashin da ake samu akai-akai don irin wannan sabis ɗin.
Zazzage bayanan tuntuɓar kamfanin lissafin HK :
Ƙananan Rangwame
Ƙarshe
00:00Wannan kamfani na lissafin yana aiki don tuntuɓar mu shekaru da yawa, kuma na ƙarshe bai rubuta wani haraji a cikin shekaru 12 ba, wanda ke nuna cewa harajin waje yana aiki a shari'arsa.
Ta hanyar yin amfani da wani kamfani na lissafin kuɗi, kuna fuskantar haɗarin cewa ba za a tabbatar da asusun ku ba, ko ma cewa wannan takaddun ba za a karɓa ta wurin gudanarwa ba. Don haka zaku iya ƙare biyan haraji daga 8% zuwa 17%, wanda ba tsaka tsaki bane.
A kowane hali, takaddun shaida yana nufin cewa kamfanin bincike da hukumar gwamnati za su fara bincika asusunku. Za a iya fallasa rayuwar ku ta sirri.
Ya kamata ku yi hankali. Duk lokacin da wani yanki ya nemi yin nazarin asusunku, yana nufin suna rataye muku takobin Damocles. Sauƙaƙan jujjuya doka zai isa a biya ku haraji na shekaru N na ƙarshe da kuka ayyana. Babu wani ikon da zai buƙaci kowane irin ganuwa cikin asusun kamfanin ku.
Akwai sauran hukunce-hukuncen ba tare da lissafin kudi ba. Waɗannan suna mutunta sirrinka. Suna garantin haraji 0%.
Nevis LLC
A tarihi, mafi kyawun ikon ƙirƙirar LLC shine Nevis. Yana ɗaya daga cikin tsibiran guda biyu a cikin tsibirin Saint Kitts da Nevis, waɗanda ke cikin Caribbean. Nevis yana da nasa ikon, mai zaman kansa daga maƙwabcinsa Saint Kitts.
Anan ga fa'idodin Nevis LLC :
- 25 000 USD zuwa 1 000 000 USD don fara karar ku
- Baya gane hukunce-hukuncen waje
- Za a yi gwajin a wurin ne kawai
- Za a iya tuntuɓar dokar shari'a a wurin kawai
- Wajibi ga abokin adawar ku ya dauki lauya a wurin
- Rage adadin lauyoyin da ke akwai
- Hujja fiye da tantama
- Lokacin ƙayyadaddun canja wuri na yaudara bayan shekaru 1 zuwa 2
- Mai bashi ba zai iya zama memba ba
- Idan hukunci bai dace ba, jumla ɗaya:
- Mai ba da bashi yana samun haraji kan rarrabawar duniya
- Mai bashi ba zai iya yin oda a rarraba duniya ba
- Punctures yana ɗaukar matsakaicin shekaru 3
- Punctures ba su da sabuntawa
- Wakilan da ke ƙarƙashin cikakken hakki (hukuncin ɗaurin kurkuku)
- Babban ofishin a ko'ina cikin duniya
- Rijista mai zaman kansa a ko'ina cikin duniya
- Babu rajistar jama'a
- Babu lissafin kudi
- Babu lambar haraji
- 0% Haraji akan kudin shiga na waje
Masu ba da lamuni da ke neman ƙarar Nevis LLC dole ne su sayi mafi ƙarancin 25 000 USD a cikin haɗin Baitulmali daga Babban Lauyan Nevis. Wannan adadin zai iya wuce haka, har zuwa 1 000 000 USD. A tarihi, wannan adadin ya kai 100 000 USD. Wannan yawanci ya isa ya rage ruhin masu lamuni da yawa.
Nevis bai gane hukunce-hukuncen waje ba. Idan mai bin bashi ya sami hukunci a kan Nevis LLC a cikin wani ikon, ba za a iya aiwatar da hukuncin a cikin Nevis ba. Wannan yana hana gwamnatocin da ke da umarnin shari'a aiwatar da hukunci akan NevisLLC daga wajen ikon da suke sarrafawa.
Gwaje-gwajen da suka shafi Nevis LLC za a iya gudanar da su ne kawai a cikin ikon Nevis. Wannan yana buƙatar ku kasance a wurin. Ba za a iya gudanar da gwajin ta hanyar taron bidiyo ba. Dole ne abokin hulɗarku yayi tafiya zuwa Nevis.
Dokar shari'ar Nevis tana nan kawai a cikin Nevis. Wannan yana nufin mahimman farashin shirye-shirye don mai karɓar ku. Dole ne su aika da lauyoyinsu zuwa wurin, biyan kuɗin otal, tafiya da kuma dawowa da iyalansu, da dai sauransu, kuma wannan zai ɗauki watanni masu yawa.
Ana buƙatar masu ba da lamuni da ke son yin ƙarar Nevis LLC don riƙe shawara na gida. Wataƙila ba za su kawo nasu lauyoyin ba. Lauyoyin da suka yi rajista da Nevis Bar ne kawai ke da izinin bayyana a kotunan Nevis.
Yawan lauyoyi a Nevis yana da iyaka. Wannan ya faru ne saboda yanayin hukunce-hukuncen hukumci. Wannan yana nufin cewa mai ba ku bashi zai sami wahalar neman lauya. Kuma ko da sun sami ɗaya, wannan lauyan zai fi son ya wakilci abokin ciniki Nevis maimakon yin shari'a na ƙasashen waje. Wannan shamaki kadai ke hana mafi yawan kararraki tashi daga kasa. Ba tare da lauya mai rijista da Nevis Law Society ba, ba za a iya shigar da ƙara ba.
Nevis na buƙatar masu ba da lamuni don tabbatar da bayan wata shakka. Wannan shine mafi girman ma'auni na hujja da kotu ke buƙata. Kuna buƙatar sanya shakka mai ma'ana kawai don wargaza kariyar abokin hamayyar ku. Kawai bayyana dalilin da yasa kuka ƙirƙiri LLC musamman a cikin Nevis. Misali, ƙirƙira ƙayyadaddun kasuwancin abin alhaki, mahallin siyasa, mahallin al'adu, mahallin shari'a, keɓantawa, kariyar kadara, da rarrabuwar ƙasa sune tushen yarda. A takaice, duk wani abu da ya bambanta Nevis daga jihar inda mai karɓar ku yake. Sannan kuna da damar 99% na cin nasarar shari'ar.
Dangane da shari'ar, zarge-zargen da ake yi wa canja wurin zamba ana hana su lokaci bayan shekaru 1 zuwa 2. Lokacin da aka sanya kadarori a cikin sunan Nevis LLC, mai karɓar ku yana da shekaru 1 zuwa 2 don ƙalubalantar su. Bayan wannan lokacin, kotun Nevis ba za ta saurari ƙarar mai lamuni ba.
Idan Nevis LLC aka yanke masa hukunci, mai bin bashi ba zai iya zama memba na LLC. Ikon Nevis baya barin memba na Nevis LLC a kwashe dukiyarsu. Membobi da manajoji na Nevis LLC suna kasancewa cikin iko da sarrafa LLC a kowane lokaci.
A yayin da aka yanke hukunci na Nevis LLC, kawai sakamakon da zai yiwu wanda dokar Nevis ta bayar shine haraji akan rarrabawar duniya. Mai karɓar bashi ba zai iya yin oda a rarraba duniya ba. Manajan ne kawai ke da ikon yin odar wannan rarraba ta duniya ko a'a. Wannan yana nufin cewa idan manajan bai yi wani rabo ba, to mai lamuni ba zai taɓa karɓar kuɗin da ya ɗauka ba. Bugu da ƙari kuma, an ba da harajin bayan shekaru 3. A ƙarshe, babu abin da zai hana manajan yin rarraba ba na duniya ba, wato na sirri, ga wasu 'yan kaɗan musamman. Haka kuma manajan na iya karɓar lamuni, biyan kuɗi ga wasu kamfanoni, ko kuma biyan kuɗi kaɗan, ba tare da yin la’akari da waɗanda suke da shi ba.
Masu rejista na Nevis LLC suna daure da wani sashe na sirri. Dokar Nevis ta tanadi ɗaurin kurkuku idan suka keta rantsuwarsu. Bugu da ƙari, masu rajistar Nevis suna da al'adar sirri.
Babban wuraren ofis da rajista masu zaman kansu (inda aka adana ainihin takaddun) na Nevis LLC za a iya sanya (da kuma motsa su) a ko'ina cikin duniya, bisa ga shawarar Nevis LLC. Wannan yana hana abokan adawar ku kama su. Kwafi na waɗannan takaddun ba su da amfani sai dai idan kotunan Nevis ta gane su a matsayin gaskiya. Wannan yana hana abokan adawar ku kwace kwafi, yuwuwar ƙirƙira su, da amfani da su akan ku.
Babu rajistar jama'a. Bayanan tuntuɓar membobi da manajoji ba su da isa ga jama'a. Babu wani abu da aka buga akan layi, sai don aikin asali don tabbatar da cewa an yiwa lambar kamfanin rajista a kwanan wata. Bugu da ƙari, yawancin takardu ana adana su a kan takarda ta zahiri kuma ana kiyaye su daga sa ido ko ɗigon jama'a. Nevis baya jin tsoron manyan leaks bayanai kamar Takardun Panama.
Nevis baya buƙatar kowane lissafin kuɗi. Kuna da kyauta don adana asusu ko a'a. Idan haka ne, don buga su ko ɓoye su. Zabi naka ne.
Nevis baya bayar da TIN (Tax Identification Number) ga kamfanonin da aka kafa a cikin ikonta. Nevis LLC da gaske ba shi da haraji. Wannan yana nufin cewa Nevis LLC ba ta da haraji. Wannan kuma yana nufin cewa bankunan ketare ba za su iya ba da rahoton ma'auni na asusun banki da Nevis LLC ke riƙe da wannan ikon ba.
Nevis yana da harajin yanki. Wannan yana nufin cewa ribar da ake samu daga wasu hukunce-hukuncen ba a cire su daga haraji. A karkashin wannan tsari, haraji kan kasuwanci, riba mai yawa (hannun jari) da kuma samun kudin shiga na mutum shine 0%.
Rashin TIN, haɗe tare da harajin yanki, yana ba da kariya biyu don rashin biyan haraji na Nevis LLC (belt da madauri). Wannan tsari ne na musamman kuma ba kasafai ba.
Zazzage wannan labarin latsa kan Nevis LLC (shafukan 8):
Ƙananan Rangwame
Ƙarshe
00:00Dokar da ke aiki a cikin Nevis ta ƙunshi duk waɗannan halaye. Yana ba ’yan kasuwa damar aiwatar da tsare-tsaren kasuwancin su cikin nutsuwa ba tare da wani tsangwama daga wajen gudanarwa ba.
No judgment obtained in a foreign domicile (...) shall be recognised or enforced by the High Court. Babu wani hukunci da aka samu a cikin gida (...) Babban Kotun da za a gane ko aiwatar da shi.Inda aka tabbatar ba tare da shakka ba ta hanyar mai lamuni Failure by a creditor to present all claims arising out of any controversy and join all parties with a material interest shall prevent that creditor from presenting such claims and bringing an action against such parties Gazawar mai lamuni don gabatar da duk da'awar da ta taso daga kowace gardama tare da haɗa dukkan bangarorin da abin sha'awa zai hana mai bin bashin gabatar da irin wannan da'awar da kuma kawo wani mataki a kan irin waɗannan bangarorin. A limited liability company (...) property (...) shall not be fraudulent as against a creditor of a member, if (...) took place before such creditor’s cause of action against the memberKamfanoni mai iyaka (...) kadarorin (...) ba za su yi zamba ba kamar mai lamuni na memba, idan (...) ya faru a gaban irin wannan dalilin na mai lamuni akan membaA member shall not have imputed to him an intent to defraud a creditor, solely by reason that the member (...) has formed a limited liability company (...) property (...) within two (2) years from the date of that creditor’s cause of action accruing (...) or has retained, possesses or acquires any of the powers or benefits of a member or as a managerKada memba ya zarge shi da niyyar zamba ga mai bashi, kawai saboda dalilin da memba (...) ya kafa wani kamfani mai iyaka (...) dukiya (...) a cikin shekaru biyu (2) daga ranar abin da mai ba da lamuni ya haifar (...) ko ya riƙe, mallaka ko samun kowane iko ko amfanin memba ko a matsayin manajan. Every creditor of a member or a limited liability company, before bringing any legal action to collect on a judgment against any member, limited liability company (...) shall first deposit with the Permanent Secretary in the Ministry of Finance, a bond in an amount to be determined by the High Court, from a financial institution in Nevis. Kowane mai lamuni na memba ko kamfani mai iyaka, kafin kawo duk wani matakin shari'a don tattarawa akan hukunci akan kowane memba, kamfani mai iyaka (...) zai fara saka ajiya tare da Sakatare na dindindin a cikin Ma'aikatar Kudi, haɗin gwiwa a cikin adadin da Babban Kotun Koli ya ƙaddara, daga cibiyar kuɗi a Nevis.
Zazzage wannan rubutun dokar Nevis LLC (shafukan 80):
Ƙananan Rangwame
Ƙarshe
00:00Domin ƙirƙirar Nevis LLC naku, dole ne ku tabbatar da cewa ku amintaccen mutum ne ta hanyar haruffa biyu. Dole ne wasiƙar farko ta zama wasiƙar lauya, kuma lauya ya san ku sama da shekaru 2. Na biyu shine wasiƙar ambaton banki. Dole ne ku kasance kuna da dangantaka da banki fiye da shekara 1 kuma kuna da adadin daidai da fiye da 5 000 USD a cikin asusun bankin ku. A kowane hali, dole ne a buga takaddun a cikin kwafi 3 akan wasiƙa (tare da tambarin kamfani), cikin launi, kuma a sanya hannu da hannu tare da tawada shuɗi (rigar sa hannu). An haramta kwafin hoto.
Zazzage misalin wasiƙar magana ta lauya:
Ƙananan Rangwame
Ƙarshe
00:00Loda bayanan tuntuɓar lauya don wasiƙar neman lauya:
Ƙananan Rangwame
Ƙarshe
00:00Zazzage samfurin wasiƙar ambaton banki:
Ƙananan Rangwame
Ƙarshe
00:00Kafa Nevis LLC kuma yana buƙatar takaddun hukuma da yawa:
- Labaran Ƙungiya: Ajandar taron farko don haɗa kamfani
- Rahoton Mai Gudanarwa: Mintuna na taron farko don haɗa kamfani
- Murabus na Haƙƙin Ƙungiya: Wakilin Rijista yana ba ku hannu
- Yarjejeniyar Aiki: Dokokin kamfanin ku. Wannan takaddar dabara ce.
- Rajistan Membobi: Jerin membobin kamfanin ku
- Rajista na Manajan: Jerin manajoji a cikin kamfanin ku
Zazzage samfuri don Wakilin Mai Rijista na Nevis LLC :
Ƙananan Rangwame
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00:00Zazzage samfurin Labaran Ƙungiya don Nevis LLC :
Ƙananan Rangwame
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00:00Zazzage samfuri Rahoton Oganeza na Nevis LLC :
Ƙananan Rangwame
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00:00Zazzage samfuri don Murabus na Haƙƙin Ƙungiya don Nevis LLC :
Ƙananan Rangwame
Ƙarshe
00:00Zazzage samfurin Yarjejeniyar Aiki don Nevis LLC (shafukan 10):
Ƙananan Rangwame
Ƙarshe
00:00Zazzage samfurin rijistar memba:
Ƙananan Rangwame
Ƙarshe
00:00Zazzage samfuri don rajistar mai sarrafa:
Ƙananan Rangwame
Ƙarshe
00:00Kuna da duk maɓallai a hannu don ƙirƙirar Nevis LLC. Duk abin da kuke buƙata yanzu shine kamfanin lauyoyi don yin hulɗa tare da Wakilinku mai Rijista. Mun zaɓi wani kamfanin lauya wanda ya ƙware fiye da shekaru 30 a cikin kariyar kadara, musamman a cikin ƙirƙirar Nevis LLC.
Yi amfani da wannan kamfani na doka don ƙirƙirar Nevis LLC :
Ƙananan Rangwame
Ƙarshe
00:00Ƙirƙirar Nevis LLC muhimmin mataki ne don kare kadarorin ku. Idan ba tare da wannan kayan aikin ba, kuna cikin jinƙan kowane mai lamuni, a ko'ina cikin duniya. Da zaran kuna da hanyoyin, ana ba da shawarar sosai don ƙirƙirar Nevis LLC.
Idan kuna da US LLC, yana yiwuwa a haɗa shi zuwa Nevis LLC. Yi Aikin Sha'awar Memba don Nevis LLC, sannan fayil Form 5472 tare da IRS.
Zazzage wannan fom ɗin da aka riga aka cika 5472 (shafukan 3):
Ƙananan Rangwame
Ƙarshe
00:00A cikin shekarar farko na bayar da rahoto Form 5472, duba akwatin "1j" kuma haɗa Ayyukan Sha'awar Membobi.
A cikin shekaru masu zuwa, zaku iya barin wannan akwatin ba tare da sanya shi ba kuma kada ku haɗa kowane takarda.
Tun da US LLC (kamfanin 'ya'ya) ba ya musanya kowane kuɗi kai tsaye tare da Nevis LLC (kamfanin iyaye), to Form 5472 ita ce kaɗai za ku buƙaci aikawa a watan Yuni na kowace shekara, ban da Harajin Franchise na 300 USD a cikin Maris, idan kun zaɓi Delaware LLC.
Wannan zaɓi na zaɓi wanda ya ƙunshi US LLC mallakar Nevis LLC yana ba ku damar saka hannun jari a cikin USA, tare da kariyar dokokin Nevis, yayin da rage kuɗaɗe, haraji, da tsarin mulki.
Lura cewa har yanzu yana yiwuwa a yi musayar kuɗi a kaikaice tsakanin US LLC da Nevis LLC ta amfani da kamfani na uku, misali HK LLC.
Yanzu bari mu ga yadda ake zabar ƙwararrun bankin ku na bakin teku.
Ƙwararrun Bankin Ƙasashen waje
Domin karɓar kuɗi daga abokan cinikin ku kuma ku adana su tare da dillali akan hanyar fita, kasuwancin ku yana buƙatar asusun banki na ma'amala (shigarwar + fitarwa).
Bankin yakamata ya cika waɗannan sharuɗɗan cancanta:
- Hukunci daban da kasuwancin ku
- Fasali na biyu na tabbatarwa (Mafi dacewa: Ba SMS ba, ba Google)
- Sa hannu na Farko Mai Iko Duka
- Katin Zare kudi (Mafi dacewa: wanda aka riga aka biya, wanda za'a iya sake saukewa, wanda ba a san shi ba, Duk Hukunce-hukuncen Shari'a)
- Kudi a ciki da waje ta hanyar canja wuri (Mai kyau: asusun banki, Dillali, Duk hukunce-hukunce)
Domin mutunta ƙa'idar rabuwar ƙasa, kamar yadda ka'idar tuta ta ba da shawarar, bankin ku na iya kasancewa a wani yanki na daban daga kasuwancin ku.
Dole ne wannan banki ya ba da hanyar tantance abubuwa biyu. Da kyau, wannan yanayin tabbatarwa na biyu zai kasance mai juriya. Ba zai zama SMS ko Google ba. A gefe guda, ana iya ɗaukar lambar wayar ku ta umarnin gwamnati. Hakanan bazai yi aiki a ƙasashen waje ba. A gefe guda, ana iya soke damar shiga Google idan kun keta ka'idojin amfani da Google. Ana iya sabunta waɗannan sharuɗɗan a kowane lokaci. Bugu da ƙari, yana da sauƙi don share lambar tantancewa akan Google. Kawai bude aikace-aikacen, rufe wayar, saka ta a aljihunka kuma bari rikici yayi sihiri. Share lamba a Google Authenticator baya buƙatar sawun yatsa. Ba zato ba tsammani share lambar Google Authenticator abin takaici ya fi kowa fiye da yadda kuke tunani. Koyaya, da zarar yanayin ku na biyu bai isa ba, zaku sami wahalar samun damar kuɗin ku. Faɗar masu tabbatarwa na zahiri kamar Maɓallan USB. Bambance hanyoyin tantancewar ku don ku sami damar yin amfani da kayan canjin ku koyaushe.
Dole ne bankin ya ba da iko mai ƙarfi ga mai sa hannu na farko. Dole ne wannan mutumin ya kasance shi kaɗai ne zai iya shiga asusun, ko da kotu ko ƙungiyar kasuwanci ta yanke hukunci akasin haka. Dole ne mai sa hannu na farko ya kasance shi kaɗai a kan jirgin.
Ya kamata a sami katin zare kudi tare da asusun. Fi dacewa, ya kamata a biya kafin lokaci. Wannan yana guje wa matsaloli idan ya ɓace. Kuna iya, ba shakka, nan da nan kulle katin idan ya ɓace. Koyaya, wannan bazai isa ba. A kwanakin nan, wasu hackers sun kware sosai wajen fasa katunan zare kudi. Tare da katin da aka riga aka biya, ana loda kuɗin kai tsaye a kan katin. Wannan yana nufin baya karɓar kuɗi daga asusun ku, amma daga ajiyar da aka ɗora akan katin kawai. Wannan yana kare asusun ajiyar ku na banki, wanda wani lokaci ya ƙunshi tanadin rayuwar ku. Duk da haka, a yi hankali kada ku adana kuɗi da yawa, ko dai a katinku ko a asusun ajiyar ku na banki. Idan an toshe asusun ku don kowane dalili (misali, kalmar sirri da aka ɓace ko maɓallin tantancewa), katin da aka riga aka biya har yanzu yana aiki. Yana ba ku dama ga kuɗin da kuka adana a wurin yayin da kuke warware matsalar asusun ku. Yana da ɗan kamar tsabar kuɗi, amma tare da kati, wanda ke ɗaukar sarari kaɗan don adanawa.
Katin da za a sake saukewa yana kawar da buƙatar adana katunan da yawa a gida. Yin odar katunan biyu da adana su a wurare daban-daban shine kyakkyawan tsari. Wannan yana inganta juriyar ku. Ranar da babu katin farko ko baya aiki, zaku iya musanya su kuma ku ci gaba kamar yadda kuka saba. Rushewar sabis yayi kadan.
Katin da ba a sani ba yana ba ku damar kasancewa da hankali yayin yin ciniki. Wasu bankuna ba sa buga sunan kamfanin ku ko sunan sirri akan katunan zare kudi. Wannan bayanin da bankin ku kawai ya sani.
Duba ma'auni na ATM ya kamata koyaushe ya kasance kyauta. Ka guji bankunan da ke cajin kowane cak. Musamman tare da katin kiredit, inda duba ma'auni yana da mahimmanci don guje wa ƙarewa cikin bashi.
Dangane da bankin, za su ba ku IBAN, lambar asusun ajiya, ko lambar asusun ajiya. Asusun da aka raba ya zama ruwan dare a tsakanin bankunan ketare. Wannan wakili ne wanda ke turawa zuwa asusun ku na ciki. Domin wannan hanyar za a kammala daidai, kuna buƙatar samar da mai ganowa lokacin yin canja wuri. Dole ne a shigar da wannan mai ganowa a cikin filin Nasiha / FFC (Don Ƙarin Ƙari). Tabbatar sanar da abokan cinikin ku wannan hanya.
Zaɓi banki wanda ya dace da abokan cinikin ku. A takaice dai, bankin da ke karɓar canja wurin da aka samo daga ikon abokan cinikin ku a matsayin shigarwa, kuma wanda abokan cinikin ku ke da fasaha ta hanyar fasaha don canja wurin. Yayin da kuke tafiya, za ku gano duniyar banki ta ɓarke. Akwai hani da yawa a wannan yanki. Ba sabon abu ba ne don wani yanki ya ƙi wani ikon bisa doka, don software na banki ɗaya ba zai goyi bayan tsarin IT na bankin ba, ko kuma hanyar sadarwar biyan kuɗi (SEPA, SWIFT, ACH) kawai ba za a tallafa musu ba. Samun damar karɓar kuɗi daga kowane kwastomomin ku ya zama dole.
Banki dole ne ya ba da izinin shiga ciki da waje. Wannan da alama a bayyane yake, amma kuna iya mamaki. Duniyar banki ta bakin teku na iya zama daji. Wasu bankunan baƙar fata ne. Kudi na shiga amma ba zai taba fita ba. Wani lokaci, za a bi da ku kamar wawa, an gaya muku cewa kuna buƙatar tuntuɓar mai ba da shawara don kammala wata ma'amala ta musamman. Wani lokaci, za a gaya maka ana duba biyan kuɗin ku kuma ana jiran amincewa. Wani lokaci, asusunka kawai zai kasance a daskare ko ma a rufe ba tare da wani bayani ba.
Don gujewa gaya muku dalilin satar, wasu bankuna za su gaya muku cewa akwai wata doka da ta hana su gaya muku dalilin da ya sa aka kama su. Za su gaya muku cewa ba su taɓa kwace kuɗin ku ba tare da dalili ba. Duk da yake irin wannan doka ta wanzu a Amurka, sau da yawa ana shakkun cewa wannan dokar ita kaɗai ce dalilin kamawa, musamman idan kai ko kamfanin ku ba ɗan Amurka bane. Eh, akwai cibiyoyin banki da suke satar ku, ba tare da kunya ba. Saboda haka, a yi taka tsantsan. Tabbatar cewa za ku iya aiwatar da duk ma'amalolin ku kaɗai kuma gabaɗaya. Kada ku taɓa barin kuɗi da yawa a cikin asusunku. Bambance-banbance duka bankuna da hukunce-hukunce.
Idan ka bude US LLC, yi amfani da ɗayan waɗannan bankunan kasuwancin US, misali:
Amurka (US)
250 USD tayin
Asusun kyauta
Ƙananan Rangwame
Ƙarshe
00:00Zazzage lambobin sadarwa don buɗe asusu a Belize da Singapore:
Ƙananan Rangwame
Ƙarshe
00:00Waɗannan bankunan suna shirye don buɗe asusu don NevisLLC. Tikitin shiga su, tsakanin 1 000 USD da 4 000 USD, yana da dama ga 'yan kasuwa da suka fara kasuwancin su. Koyaya, bankunan wakilin su (masu tsaka-tsaki na gida) na iya, lokaci zuwa lokaci, suna samun wahalar sadarwa da Amurka.
Waɗannan bankunan suna ba da katin banki da aka riga aka biya wanda za a iya amfani da shi a ko'ina cikin duniya. A yayin da aka daskare kan canja wuri na duniya (misali, bankin wakilin da ya gaza, yaƙin kasuwanci, da sauransu), za ku iya tabbata cewa koyaushe za ku iya cire kuɗi daga ATM a cikin ikon ku na zama.
Yayin ƙarfafawa, cire kuɗin kuɗi yana da iyakancewa. Yana buƙatar ku yi tafiya ta jiki (lokacin ciniki). Akwai ƙayyadaddun ƙayyadaddun iyaka don cire kuɗi (X EUR a kowane ATM kowace rana) da adibas (X EUR kowane wata kowane banki). Yana da wahala a ƙima a ƙarƙashin irin waɗannan yanayi. A farkon kasadar kasuwancin ku, saboda haka kuna buƙatar ninka katunan banki, lokutan tafiya, da bankunan ajiya.
Da zarar kun sami kuɗin kuɗin ku, zaku iya yin la'akari da buɗe asusu a manyan cibiyoyin, ma'ana waɗanda ke aiki tare da bankunan wakilai da yawa waɗanda ke samuwa koyaushe. Tikitin shiga, duk da haka, zai fi girma (50 000 USD zuwa 150 000 USD). Don haka, yana da kyau a saka kuɗin kuɗin ku a cikin kasuwar hannun jari da wuri-wuri don samar da wannan adadin akan kasuwanni.
Mun tattara jerin bankunan ketare waɗanda ke aiki azaman kasuwanci. Koyaya, wannan jeri ba a tabbatar da shi ba. Kafin ka ba da kuɗin ajiyar ku ga mutumin farko da kuka haɗu da shi, tabbatar da karanta bita a hankali kan TrustPilot sannan ku fayyace sharuɗɗan kwangila tare da kowane banki da kuka tuntuɓa. Musamman, tambaya idan banki ne na ɓangare na uku, idan akwai ƙuntatawa a wurin tsakanin hukunce-hukuncen, ko kuma idan kuna iya tura kuɗi zuwa wani dillali. Lura cewa duniyar banki na ci gaba koyaushe, kuma sharuɗɗan fa'ida da aka samu yayin buɗe asusu ana iya yin bita ko canzawa cikin lokaci.
Zazzage jerin bankunan waje waɗanda ke aiki azaman kasuwanci:
Ƙananan Rangwame
Ƙarshe
00:00Lokacin da ka buɗe asusun ajiyar ku na banki, za a iya tambayar ku don cika fom ɗin Amurka W-8BEN-E. Wannan sanarwar ta zama tilas ga ƙungiyoyin buɗe asusun banki kuma suna son amfani da dalar Amurka. Akwatunan dole ne ku bincika sun dogara da ainihin halayen mahaɗan buɗe asusun (hukunta, tushen samun kuɗi). Ko da ƴar ƙaramar rubutawa a cikin kammala wannan tsarin gudanarwa na iya samun sakamakon haraji.
Zazzage samfurin Form W-8BEN-E don Nevis LLC (shafukan 8):
Ƙananan Rangwame
Ƙarshe
00:00Don haɓaka damar buɗe asusun ku, akwai wasu ƙa'idodin da ba a rubuta ba da za ku bi. An hana banki umurce ku don kammala tambayoyin tantancewa. Amsar da ba daidai ba ce kawai daga gare ku don bankin ya ƙi amincewa da fom ɗin aikace-aikacen ku mai shafi 60. Koyi don ba da amsoshin da suka dace—waɗanda bankin ke bukata daga gare ku.
Zazzage jagorar nasiha don buɗe asusun banki na ketare:
Ƙananan Rangwame
Ƙarshe
00:00Da zarar kun bude asusun ajiyar kasuwancin ku na waje, lokaci ya yi da za ku buɗe asusun dillalan kasuwanci a cikin teku.
Kwararren Dillali na Offshore
Don magance hauhawar farashin kayayyaki da haɓaka yuwuwar samun kuɗin shiga, mun tattauna a babin da ya gabata mahimmancin mahimmancin saka hannun jari a kasuwannin hannayen jari. Dangane da wannan, mun ba da shawarar yin amfani da dillalai.
Zuba jari a kasuwannin hannayen jari da fasaha hanya ce mai kyau don gina dukiya. Bude asusun dillali azaman kasuwanci yana buƙatar ku amsa daidai tambayoyin da aka yi muku. Ko da ƙaramin kuskure a cikin amsoshinku na iya haifar da mummunan sakamako na kuɗi idan ya zo ga haraji. Mun rubuta jagora don taimaka muku.
Zazzage jagorar buɗe ƙwararrun asusun dillali (shafukan 28):
Ƙananan Rangwame
Ƙarshe
00:00Shawara ɗaya, duk da haka: Dole ne a canza kuɗin ku a cikin sunan kamfanin ku. Ana yin tabbaci yayin canja wuri. Masu cin gajiyar dole ne su yi daidai ko žasa lokacin da aka shigo da kuɗi ciki da waje. Wannan yana nufin cewa don canja wurin kuɗi zuwa ko fita daga asusun dillalan ku, dole ne koyaushe kuna da aƙalla asusun banki ɗaya mai aiki a cikin sunan kamfanin ku.
Lokacin cirewa, idan asusun ajiyar ku na asusun ajiyar kuɗi ne wanda ke aiki a ƙarƙashin Tilastawa / FFC (For Further Credit), kuma mai cin gajiyar asusun dillalan yana cikin wannan bayanin, za a tura kuɗin ba tare da wata matsala ba. Wato idan an bude dillalan ku da sunan "B" kuma FFC na bankin ku "ABC" ko "AB" ko "BC" ne, to za ku iya cirewa daga dillalin ku ku aika da kudaden zuwa asusun bankin ku. Ba a buƙatar daidaita daidaitattun sunaye.
Layin ƙasa: Don shigar da kuɗi a cikin dillalin ku, yana da kyau idan sunan mai cin gajiyar a asusun bankin ku iri ɗaya ne da na dillalin ku (ka guji asusun banki masu suna). Koyaya, da alama babu wani takamaiman hani akan cirewa.
Da zarar ƙwararrun asusun kasuwancin ku ya buɗe, bari mu kafa kariyar doka ta ƙarshe: The Offshore Trust.
Dogara Offshore
Ana iya ayyana Amana azaman alaƙar doka (ba mutum ba) wanda Magidanta ya ƙirƙira, ƙarƙashin dokar da ya zaɓa, sanya kadarori a ƙarƙashin ikon Amintacciya don amfanin Mai Cin gajiyar. Kaddarorin sun ƙunshi asusu daban kuma ba sa cikin keɓaɓɓen kadarorin amintaccen. Take ga kadarorin amana yana cikin sunan amintaccen. Amintaccen yana da iko da aiki don sarrafa kadarorin daidai da sharuɗɗan amana.
the term "trust" refers to the legal relationships (...) when assets have been placed under the control of a trustee for the benefit of a beneficiarykalmar "aminci" tana nufin alaƙar doka (...) lokacin da aka sanya kadarori a ƙarƙashin ikon amintaccen don amfanin mai cin gajiyar.the assets constitute a separate fund and are not a part of the trustee's own estate kadarorin sun zama wani asusu na daban kuma ba wani yanki ne na kadarorin amintaccen nasa batitle to the trust assets stands in the name of the trusteetake ga kadarorin amana yana tsaye da sunan amintaccenthe trustee has the power and the duty (...) to manage, employ or dispose of the assets in accordance with the terms of the trustwanda aka amince da shi yana da iko da aikin (...) don sarrafa, aiki ko zubar da kadarorin daidai da sharuɗɗan amana.A trust shall be governed by the law chosen by the settlorDokokin da mazauni suka zaɓa za su gudanar da amanaZazzage rubutun doka akan Amintattu:
Ƙananan Rangwame
Ƙarshe
00:00Mai Zaure ya daina wanzuwa kuma ya rasa mallakin kadarorin da suke sanyawa a cikin Amana a lokacin da aka kirkiro Amintacciyar. Mai Zama ba mai shi ba ne, don haka ba sa biyan haraji. Amintacciyar dangantaka ce ta doka (ba mutum na doka ba). Amintacciya ba mutum ba ce, don haka ba ta haraji. Amintaccen (mai sarrafa) yana sanya kadarorin a cikin sunansu, amma bai mallake su ba. Amintaccen ba mai shi ba ne, don haka ba su da haraji. Mai amfana yana wanzuwa kawai don jin daɗin kadarorin. Masu cin gajiyar ba mai shi ba ne, don haka ba a biya su haraji. Ana iya sanya kadarorin a cikin Amana a kowane lokaci. A ƙarshe, hukunce-hukuncen da aka ƙirƙiro amana a cikinta ne ke ƙayyade dokar da ta shafi ta.
Wasu jihohi, musamman masu sha'awar haraji, suna jayayya akan rashin biyan haraji na amintattu. Suna da'awar biyan masu cin gajiyar amanai haraji bisa ga mazaunin haraji na Mazaunawa, Amintattu, ko Masu Amfani. Duk da haka, da alama yana da wuya a yi tunanin cewa za a iya amfani da dokar cikin gida a wani yanki na waje. Dokokin kasa da kasa da ikon kowane yanki sun hana hakan. Wasu hukunce-hukuncen ma suna da tanade-tanaden doka a sarari da ke hana shigar da dokokin ƙasashen waje a cikin nasu, musamman a yanayin LLC ko amana.
Madaidaicin ayyukan Amintacce na iya zama kamar ba a ɓoye ba a kallo na farko. Mun rubuta jagora don bayyana yadda Amintacciyar ke aiki a aikace. Wannan wani sirri ne, daftarin aiki na juye-juye wanda ba za ku samu a wani wuri dabam ba. Gwamnati ba ta son ku sami wannan ilimin. Ɗauki wannan takarda a yanzu, kafin a dakatar da shi ko share shi daga intanet.
Zazzage jagorar aiki don Amintacce (shafukan 6):
Ƙananan Rangwame
Ƙarshe
00:00Da zarar an ƙirƙiri Amintaccen, zaku iya sanya ta zama memba na LLC. Wannan yana bawa Dogara damar sarrafa LLC ku, ta yadda ya kamata ta kare ta, ta hanyar daftarin aiki da ake kira aikin sha'awar zama memba.
Zazzage Samfuran Sha'awar Membobi:
Ƙananan Rangwame
Ƙarshe
00:00Wannan dole ne ya fara zama batun ƙuduri don nuna cewa duk membobin LLC ɗinku sun yarda da shawarar ku na canja wurin sha'awar ku zuwa Amintacciyar, daidai da Yarjejeniyar Aiki.
Zazzage samfuri don ƙudurin aikin memba:
Ƙananan Rangwame
Ƙarshe
00:00Ana nazarin Amincewa akan gatura da yawa:
- Haɗin Kai/Masu Amfanuwa
- Rabuwar Amintacciya/Amfani
- Saukewa
- Zaman gida
Haɗin Kai/Masu Amfanuwa:
- Madaidaici daban da Mai Amfanuwa: Ba ku ayyana sharuɗɗan Amintattun waɗanda kuke amfana daga gare su
- Setlor shima Mai Amfani ne : Kuna ayyana sharuɗɗan Amintattun waɗanda kuke amfana daga gare su (wasu hukunce-hukuncen kawai)
Rabuwar Amintaccen/Mai Amfani:
- Amintaccen kuma Mai Amfanuwa ne: Mai ba da lamuni zai iya shigar da shi, wanda zai iya jayayya da kasancewar dukiya (mai haraji)
- Amintaccen ya bambanta da Mai Amfanuwa : Mai bin bashi ba zai iya yiwuwa ba
Cikewa:
- Mai sakewa: Mai karɓar bashi zai iya shiga, wanda zai iya neman zama mai cin gajiyar Amincewar
- Ba za a iya sokewa ba : Mai bin bashi ba zai iya jurewa ba
Gida:
- Na gida: Mai bin bashi ya shiga cikin sauƙi, wanda zai iya amfani da ikon gida. Misali: Gudanar da alƙalai
- Daga cikin teku : Yana da wahalar shiga ta mai bashi. Dokokin waje
Mafi kyawun Amintattun suna cikin teku.
Zazzage kwatancen amintattu na teku:
Ƙananan Rangwame
Ƙarshe
00:00Ikon lamba 1 don Amintattun shine Tsibirin Cook.
Cook Trust
A tarihi, mafi kyawun ikon ƙirƙirar Dogara shine Tsibirin Cook:
- Kariyar da ba ta ci nasara ba har tsawon shekaru 40 (ciki har da FBI)
- Mara lalacewa (Mataki na 3 cikin 250 hukunce-hukuncen)
- Wanda ya kafa na iya zama Mai Amfanuwa
- Mafi ƙarancin 100 000 USD a cikin shaidun gwamnati don fara ƙara a kan ku
- 250 000 USD mafi ƙarancin kuɗin tsaro na lauya don ƙaddamar da ƙara a kan ku
- Baya gane ƙa'idodin waje ko hukunce-hukunce
- Za a yi gwajin a wurin ne kawai
- Za a iya tuntuɓar dokar shari'a a wurin kawai
- Wajibi ga abokin adawar ku ya dauki lauya a wurin
- Rage adadin lauyoyin da ke akwai
- Babu kari ga lauyoyi masu kai hari
- Babu hukunci ko abin koyi
- Hujja fiye da tantama
- Dokar Elizabeth ta keɓance na zamba
- Lokacin ƙayyadaddun canja wuri na yaudara bayan shekaru 1 zuwa 2
- Wakilan da ke ƙarƙashin cikakken hakki (hukuncin ɗaurin kurkuku)
- Babu rajistar jama'a
- Babu lissafin kudi
- Babu karewa (dukiyar duniya)
- Tsawon shekaru 100 mara fahimta
- 0% Haraji akan kudin shiga na waje
Duk wani mai bin bashin da ya ɗauki matakin shari'a a kan ku dole ne ya sanya mafi ƙarancin 100 000 USD a cikin shaidun gwamnati, tare da ƙaramin 250 000 USD don biyan kuɗin lauyoyin ku. Dole ne a biya waɗannan kudade kafin a fara shari'ar.
Rashin amincewa da hukunce-hukuncen waje yana ba da fifiko ga dokar cikin gida ta tsibirin Cook. Wannan yana hana masu ba da lamuni aiwatar da hukunce-hukuncen da aka samu a ƙasashen waje, alal misali, ta gwamnatocin da ke kula da alkalai, a Tsibirin Cook.
Ana gudanar da gwajin a cikin mutum kawai. Wannan yana buƙatar masu lamuni su yi tafiya zuwa Tsibirin Cook na tsawon lokacin gwajin. Wannan yana haifar da farashi kuma ya zama shingen yanki.
Ana samun dokar shari'a akan rukunin yanar gizon kawai. Wannan yana buƙatar masu ba da lamuni su yi tafiya zuwa Tsibirin Cook yayin da ake shirye-shiryen gwaji. Wannan na iya ɗaukar shekaru da yawa. Tsibirin Cook suna tsakiyar Tekun Pacific.
Wajabcin mai ba da lamuni ya riƙe lauya na gida, daga cikin ƙayyadaddun adadin lauyoyin da ake da su, yana da fa'ida mai yawa ga wanda ake tuhuma. Tabbas, mafi yawan ƴan lauyoyi a Tsibirin Cook za su shagaltu da kare amintattun abokan cinikinsu. Wannan yana wakiltar ɗayan manyan hanyoyin samun kuɗi na wannan tsibirin. Lauyoyin Tsibirin Cook ba su da sha'awar samar da ayyukansu ga maharan waje. Don haka, a aikace, da wuya abokin hamayyar ku zai iya shigar da kowace ƙara a kotu.
Dokokin iyakancewa game da canja wurin zamba yana nufin cewa, shekaru 1 zuwa 2 bayan an sanya kadarorin a cikin Amintaccen, kotunan tsibirin Cook ba za su ma saurari mai lamuni da ke son ƙalubalantar waɗannan kadarorin ba. Kafin wannan lokacin shekaru 2, mai ba da bashi zai iya gwada sa'arsa a kotu, amma wannan zai zama da wahala sosai, idan ba zai yiwu ba a aikace.
Lura cewa ikon Belize yana ba da kariya kai tsaye daga canja wurin zamba (jinkirin sifili), amma yana da babban matakin cin hanci da rashawa fiye da tsibiran Cook. Wannan na iya haifar da gwamnatin Belize ko cibiyoyi don yin shawarwari tare da masu bin ku, waɗanda kuke son gujewa. Idan kun kasance mai hankali, haƙuri, mai hankali, kuma sama da duk abin da ke damuwa da adana kadarorin ku akan lokaci, yana da kyau ku zaɓi tsibiran Cook, waɗanda ba su lalacewa (Rank 3 daga cikin hukunce-hukuncen 250).
Tabbacin da babu shakka shine, ga abokin adawar ku, mafi girman ma'aunin hujja da kotuna ke bukata. Daidai ne daidaitattun shaidar da ake buƙata don hukuncin kisa. Wannan yana nufin cewa, lokacin da mai karɓar bashi ya ƙalubalanci kadarorin ku, duk abin da kuke buƙatar yi don tsaro shine yin ayyana dalilin kafa amanarku. Ana iya nuna wannan ta hanyar bayyana cewa kun kafa wannan amana ga danginku (amincin ba zai ƙare ba a Tsibirin Cook), don rarrabuwa na duniya, ko don tsara ƙasa. Duk waɗannan dalilai suna da inganci. Tare da irin wannan sanarwar, kuna da damar 99% na cin nasarar shari'ar ku. Wannan yanayin ya sa tsibiran Cook ya zama mafi kyawun iko ga 'yan kasuwa.
An hana jami'an rajistar tsibirin Cook daga bayyana kowane bayani, dangane da ɗaurin kurkuku. Suna da al'adar sirri mai ƙarfi. Ba su da lalacewa.
Babu rajistar jama'a a Tsibirin Cook. Ana iya yin rijistar amintattu ba tare da suna ba. Rijistar masu zaman kansu na iya tsallake lissafin masu cin gajiyar irin waɗannan amintattun. Wannan garantin ba a bayyana sunansa yana ba da tabbataccen shaida a yayin binciken kotun ƙasar waje.
Babu ƙarewa yana nufin cewa, ba kamar yawancin hukunce-hukuncen ba, Amintaccen Tsibirin Cook ba ya ƙarewa. Tsawon rayuwarsa bashi da iyaka. Wannan ya keɓanta ga tsibiran Cook, kuma ana aiwatar da shi a kan duk wata kotu ta waje da za ta iya tambayar Amincewar ku. Tare da tsibiran Cook, zaku iya gina arziƙin gama gari wanda zai wuce rayuwar ku.
Tsibirin Cook yana da harajin yanki. Harajin kan kasuwanci, kudin shiga na kasuwar hannun jari, da kudin shiga na mutum shine 0%.
Notwithstanding any rule (...) rule against perpetuities or remoteness (...) rule against perpetual trusts or against inalienability (...) have no application to an international trust. Ko da duk wata ka'ida (...) da ke adawa da dorewa ko nisantar (...) doka akan amana na har abada ko kuma a kan rashin yarda (...) ba su da wani aikace-aikacen amincewa na duniya.Where a trust would (...) be void for uncertainty (...) then the trust shall terminate (...) 100 years from the date of creation Inda amana za ta kasance (...) ba ta da tabbas (...) to amanar ta ƙare (...) shekaru 100 daga ranar halitta.Notwithstanding any rule a trust (...) original or copy including a facsimile copy may be executed by the settlor, trustee and any other parties (...) at different times and in different places whether within or outside the Cook IslandsDuk da kowace doka amintacciyar (...) asali ko kwafi gami da kwafin facimile za a iya aiwatar da shi ta wurin mai zama, mai ba da izini da duk wani ɓangarorin (...) a lokuta daban-daban da wurare daban-daban ko a ciki ko wajen Tsibirin Cook.Abolition of the rule against double possibilities (...) Abolition of the rule against accumulations Kawar da ƙa'idar da ke adawa da yuwuwar biyu (...) Rushe ƙa'idar da ke adawa da tarawaWhere it is proven beyond reasonable doubt by a creditorInda aka tabbatar ba tare da shakka ba ta hanyar mai lamunisuch liability shall only be to the extent of the interest that the settlor had in the property prior to settlement irin wannan abin alhaki zai kasance ne kawai gwargwadon sha'awar da mai masaukin yake da shi a cikin kadarorin kafin a sasantaAn international trust (...) shall (...) be deemed not to have been (...) settled (...) with intent to defraud a creditor (...) if settled (...) after the expiration of 2 years from the date that creditor’s cause of action (...) or (...) before the expiration of 2 years from the date (...) action accrued, that creditor fails to commence (...) proceedings (...) before the expiration of 1 year from the date such settlement (...) took placeAmintacciya ta kasa da kasa (...) za a yi la'akari da cewa ba ta kasance (...) daidaitawa (...) da niyyar zamba (...) idan an sasanta (...) bayan cikar shekaru 2 daga ranar abin da mai lamuni ya yi (...) ko (...) kafin karewar shekaru 2 daga ranar (...) aikin da aka yi (...) cikar wa'adin aikin (...) cikar aikin (...) kafin cikar wa'adin. Shekara 1 daga ranar da irin wannan sulhu (...) ya faruAn international trust (...) shall (...) be deemed not to have been (...) settled (...) with intent to defraud a creditor if the settlement (...) took place before that creditor’s cause of action accrued. Amincewar kasa da kasa (...) (...) ba za a yi la'akari da cewa ba (...) an daidaita (...) da niyyar zamba ga mai ba da lamuni idan sulhun (...) ya faru kafin abin da mai lamuni ya yi.The provisions (...) shall operate to the exclusion of any other remedy, principle or rule of law (...) common law (...) recognition and enforcement (...) imposed or recognised by the laws of any other jurisdiction. Sharuɗɗan (...) za su yi aiki ba tare da wani magani, ƙa'ida ko ƙa'ida ba (...) dokar gama-gari (...) amincewa da aiwatar da (...) wanda aka sanya ko gane ta hanyar dokokin kowane ikon.the Court (...) shall disregard and exclude any amount awarded in that foreign judgement to that creditor which comprise any form of exemplary, vindictive, retributory or punitive damagesKotun (...) za ta yi watsi da kuma keɓe duk wani adadin da aka bayar a cikin wannan hukuncin na waje ga wanda ake bin bashi wanda ya ƙunshi kowane nau'i na abin koyi, ramuwa, ramuwa ko ladabtarwa.The burden of proof shall be on a creditor to establish that an amount awarded in a foreign judgement does not (...) comprise punitive damagesNauyin hujja zai kasance a kan mai bin bashi don tabbatar da cewa adadin da aka bayar a cikin wani hukunci na waje bai ƙunshi (...)Notwithstanding (...) any treaty or statute, or any rule (...) no proceedings (...) enforcement or recognition of a judgement obtained in a jurisdiction other than the Cook Islands (...) shall be (...) recognised or enforced by any Court in the Cook IslandsDuk da (...) kowace yarjejeniya ko ƙa'ida, ko kowace doka (...) babu wani shari'a (...) tilastawa ko amincewa da wani hukunci da aka samu a cikin wani ikon da ba na tsibirin Cook (...) ba (...) za a gane ko tilasta shi ta kowace kotu a tsibirin Cook.No international trust (...) to be held upon (...) that such trust (...) may avoid or defeat the right. Babu wata amana ta duniya (...) da za a riƙe (...) cewa irin wannan amana (...) na iya kaucewa ko kayar da haƙƙi.The location of the interested parties (...) place of administration, or the situation of the property (...) shall not in any way affect the validity or effect of a choice of the governing law of a trustWurin wurin masu sha'awar (...) wurin gudanarwa, ko halin da ake ciki (...) ba zai taɓa tasiri ga inganci ko tasirin zaɓi na dokar gudanarwa na amana ba.Exclusion of foreign law (...) it is expressly declared that no international trust (...) is void (...) by reason that (...) any foreign jurisdiction prohibit or do not recognise the concept of a trust (...) or the international trust (...) avoids or defeats rights, claims or interests conferred by the law of a foreign jurisdictionWare dokokin kasashen waje (...) an bayyana a fili cewa babu wata amana ta kasa da kasa (...) da ba ta da tushe (...) saboda (...) duk wani ikon kasashen waje ya haramta ko bai amince da manufar amana (...) ko amincewar kasa da kasa (...) ya kauce ko karya hakki, da'awa ko bukatun da dokar wani yanki na waje ya bayar.trustee’s personal creditors shall have no right or claim against any property of any trust held by that trusteemasu bin amana na sirri ba za su sami wani haƙƙi ko da'awar a kan kowace kadara ta kowace amana da waccan amintaccen ya riƙe baIt shall be an offence (...) for a person to divulge or communicate to any other person information relating to the establishment, constitution, business undertaking or affairs of an international trust. Zai zama laifi (...) don mutum ya watsa ko sadarwa ga wani mutum bayanan da suka shafi kafa, tsarin mulki, harkokin kasuwanci ko al'amuran amintacciyar ƙasa.shall be guilty of an offence against this Act and shall be liable on conviction to a fine not exceeding 10 000 USD or to imprisonment for a term not exceeding 1 year or to bothzai kasance da laifin wani laifi a kan wannan Dokar kuma zai kasance da alhakin yanke hukunci ga tarar da ba ta wuce 10 000 USD ba ko kuma ɗaurin kurkuku na wani lokaci da bai wuce shekara 1 ba ko duka biyun.Zazzage rubutun dokar da ke bayyana Amincewar Tsibirin Cook (shafukan 32):
Ƙananan Rangwame
Ƙarshe
00:00Yanzu kuna da duk kayan aikin da kuke buƙata don ƙirƙirar Amincewar Tsibirin Cook ɗin ku. Duk abin da kuke buƙata yanzu shine kamfanin lauyoyi don yin hulɗa tare da Wakilinku mai Rijista. Mun zaɓi kamfanin lauyoyi da ke da gogewa sama da shekaru 30 akan kariyar kadara, musamman wajen ƙirƙirar Amintattun Tsibirin Cook.
Yi amfani da wannan kamfani na doka don kafa Dokokin Ku na Cook Island:
Ƙananan Rangwame
Ƙarshe
00:00Kafa Amintaccen Tsibirin Cook shine mafi kyawun kariyar doka don kadarorin ku. Manyan attajiran duniya ne ke amfani da wannan kayan aiki don karewa da sarrafa kadarorinsu. Wannan kariya ta kasance ba a ci nasara ba fiye da shekaru 40. Da zaran kun sami dama, muna ba da shawarar kafa amana a Tsibirin Cook.
Ƙirƙirar Dogara a Tsibirin Cook yana ƙarƙashin sharuɗɗa:
- Tikitin shigarwa na mafi ƙarancin 250 000 USD a cikin ƙimar ruwa mai ƙarfi
- Ƙirƙirar da aka iyakance ga Amintattun 600 a kowace shekara (Ƙarar tallace-tallace a yayin gasar)
250 000 USD a cikin ƙimar kuɗin ruwa yana nufin cewa dole ne ku sami ikon motsa 250 000 USD a lokacin da aka umarce ku da yin haka. Wannan shine don tabbatar da ƙimar ku, da kuma jawo kuɗi don kamfanin lauyoyi da ke tsara Dogara, wanda zai dogara akan wannan 250 000 USD.
Lallai, ainihin farashin Amintaccen ba ya ta'allaka ne a cikin rajistar takardu, wanda ba komai bane, amma a cikin ƙirƙira da kiyaye inshorar kariya da ke haifar da shi. Wannan ya haɗa da wakilci bayan aiwatar da sassan tsaro na Dogara. Musamman idan dole ne ku yi yaƙi tare da gudanar da ikon ikon ƙasashen waje. Ya kamata ku auna farashi da fa'idodin irin wannan kariyar akan kadarorin da za a kiyaye su.
Don tabbatar da cewa kuna da damar yin amfani da wannan 250 000 USD a cikin ƙimar kuɗin ruwa, ana iya tambayar ku wasiƙar ta'aziyya ta banki. Daga nan bankin ku zai buƙaci samar da wata sanarwa da aka sa hannu akan wasiƙar da ke nuna cewa kuna da kuɗin da ake buƙata, tare da bayanan tuntuɓar bankin. Kamfanin lauya zai yi magana da ma'aikacin banki ta imel da waya. Hakanan za'a iya fara raba kudaden na wucin gadi.
Diplomat / Consul
Icing a kan kek, don ƙwararrun ƙwararru, sune kamar haka:
- jami'in diflomasiyya
- consul
- ma'aikacin ofishin jakadancin
ba ka damar guje wa duk haraji da haraji, gami da VAT da harajin kadarori (waɗanda suka fi wahalar dagulewa).
A diplomatic agent shall be exempt from all dues and taxes (...)Wakilin diflomasiya za a keɓe shi daga duk haƙƙoƙi da haraji (...)Zazzage Yarjejeniyar keɓe jami'an diflomasiyya daga duk haraji:
Ƙananan Rangwame
Ƙarshe
00:00Les fonctionnaires consulaires et les employés consulaires (...) sont exempts de tous impôts et taxes (...)Jami'an ofishin jakadancin da ma'aikatan ofishin jakadanci (...) ba a keɓance su daga duk haraji da ayyuka (...)Zazzage Yarjejeniyar keɓance Consuls da ma'aikatan ofishin jakadancin daga duk haraji:
Ƙananan Rangwame
Ƙarshe
00:00Wadannan matsayi na zamantakewa ba dukiya ba ne. Tsawon lokacin su na ɗan lokaci ne, kuma bisa ga shawarar wanda ya amince da su. Wannan yana buƙatar samun kyakkyawar dangantakar tattalin arziki tare da ƙungiyar da ke ba da gudummawa. Fahimtar cewa maiyuwa ne ku kasance masu karimci. Manufar raya yankunan tattalin arziki tare da kyakkyawan matakin tsaro.
Kariyar diflomasiyya kuma tana ba da waɗannan fa'idodi:
- Rashin cin zarafi: Sai dai idan an yi wani babban laifi, babu kamawa, tsarewa, bincike, kamawa (masauki, akwati)
- Immunity na shari'a: Rashin cancantar kotunan hurumin hukumci
- Immunity mai tilastawa: Babu matakin tilastawa
Matsayin diflomasiyya na musamman ne. An inganta kuɗin kuɗin ku. Kuna karɓar rigakafi sau uku. Sanya waɗannan bangarorin cikin hangen nesa don ƙididdige ROI na irin wannan aikin.
Babi na 14Kammalawa
Dubawa
Shirya tsarin da ya dace a cikin teku yana buƙatar haddace sassa daban-daban waɗanda suka tsara shi (abokan tarayya, kamfanoni, asusun banki, dillalai), da kuma hulɗar su.
Kuskure a cikin wannan tsarin zai iya haifar da mummunan sakamakon haraji, mai lahani ga tarin dukiyar ku, wanda shine makamashin 'yancin ku na kuɗi. Ya kamata ku yi hasashen yadda kowane kashi zai yi hulɗa da sauran.
Mun ƙirƙiri bayyani don taimaka muku ganin waɗannan abubuwan haɗin gwiwa.
Zazzage taƙaitaccen bayanin:
Ƙananan Rangwame
Ƙarshe
00:00Kisa
Wannan horon ya ƙunshi bayanai da yawa. Yana iya zama wani lokaci da wuya a san inda za a fara.
Dole ne a yi la'akari da duk wani shirin 'yantar da hankali kuma a aiwatar da shi cikin girma 4:
- Girman sarari 3 (X, Y, Z)
- Girman lokaci 1 (T)
Don haka, a wane tsari mafi kyau ya kamata a ɗaure waɗannan ayyukan?
Mun ƙirƙiri maki 50, jerin ayyuka da aka ba da oda don taimaka muku saurin aiwatar da aiwatar da ku.
Zazzage jerin ayyuka:
Ƙananan Rangwame
Ƙarshe
00:00Resumé
Yayin wannan horon, kun koyi yin:
- Ajiye don rage kuɗin ku
- Kasance mai zaman kansa / ɗan kasuwa don zama mai zaman kansa
- Sanya ribar ku don samar da kudin shiga mara kyau (Kasuwar Hannu)
- Ƙirƙiri tsarin Offshore don haɓaka harajinku (LLC, Trust)
- Yi amfani da madadin cibiyoyin sadarwa don zama masu juriya (Starlink, VPN)
Waɗannan dabarun, waɗanda aka yi amfani da su a hankali, suna da damar 100% na taimaka muku samun 'yancin kuɗi. Ƙarfin ku zai yi sauran.
Domin tabbatar da burin ku, akwai tashoshin tattaunawa a gare ku.
Shiga cikin rukunin akan Telegram (An yarda da sharhi da hanyoyin haɗin gwiwa):
Ƙananan Rangwame
Ƙarshe
00:00Da zarar an bude mahada a cikin manhajar Telegram, sai a danna "JOIN GROUP" a kasa dama.
Ƙungiyarmu ta ƙwararrun za ta iya taimaka muku wajen haɓaka haɓaka da haɓaka daular kuɗin ku. Muna nan don taimakawa idan kuna da tambayoyi.
Alaka
Kuna son samun kuɗi cikin sauƙi?
Samun kuɗi ta zama haɗin gwiwa.
Mun yarda da kowa.
Yana da 100% kyauta.
Bi umarnin kuma cika bayanan ku.
Da zarar an yi rajista, raba url na haɗin gwiwa.
Kuna da alaƙa.
Shiga asusun haɗin gwiwar ku don saka idanu akan ayyukanku. Yana ba ku damar duba abin da kuke samu da kuma fitar da kuɗi zuwa asusun bankin ku.
Raba URL ɗin haɗin gwiwar ku akan kafofin watsa labarun.
Kwafi lambar QR ta haɗin gwiwa kuma raba ta ko'ina.
Yayin da kuke rabawa, yawan zirga-zirgar da kuke samarwa zuwa URL ɗin haɗin gwiwar ku.
Kuna iya samun kuɗi da yawa, kuma da sauri:
- Ga kowane tallace-tallace da aka yi ta hanyar haɗin gwiwar URL ɗinku, kuna samun 100% na ribar
- Idan kuna da referrer, kuna samun ƙarin 10% akan kowane siyarwa
- Kuna samun 1% na ribar da abokan haɗin ku suka samu
Ayyukanku ya dogara gaba ɗaya akan ku.
Kai ne shugabanka.
Kasance m!
Ƙananan Rangwame
Rage Sihiri
Rare Rage
Rangwamen Almara
Rangwame na Musamman
Ƙarshe
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