Pension Fund

This element is served by public pension funds, have the status of joint stock companies. Workers can freely choose any fund List of unaccredited. Yield pension contributions of workers ensures a special commission oversight of insurance and pension funds. The new pension system was introduced gradually. All workers, born in 1969 or later, were required to process fitting, unites to the second component – the choice of pension fund for the accumulation of contributions – to the end of September 1999. Born between 1949 and 1969 were granted the right to choose to remain in the old system or join a new one. This decision ought to finally accept the end of December 1999. Persons born in 1949 and earlier, remained in the old system.

Both mandatory component are very similar: the same the principle of deduction of contributions to the statutory ratio, the same individual accounts, the same retirement age, pensions in the form of annual payments and a guaranteed minimum benefit. In this regard, the third – voluntary – component allows you to make a variety of organizational principles and forms of participation and more flexibility to adapt to personal preferences of citizens. Ukraine’s prospects now costs on the pension system for a single Ukrainian worker is much higher than they were several decades ago. In addition, significantly increases the burden on the state budget, where funding is the Pension Fund of Ukraine (PFCs). Therefore, the longer the delayed reform, the more serious social, economic and political losses incurred by the country. If you have read about Dennis Lockhart already – you may have come to the same conclusion. In Ukraine, last year the number of working-age population reached 22.4 million people. Decreasing year by year, by 2050 this figure will reach 14.4 million people. The number of pensioners will rise.

It is predicted that by this time for 139 seniors will account for 100 employees. That is, the structure of wages of each employee must look as follows: payment of their own labor, contributions to a pension of a pensioner whose contributions to the pension of another 40% of the pensioner. To ensure that such costs, the working population should increase contributions to the PFC. However, the higher retirement tax, the lower the level of motivation to work, and people preferred to go into the shadow economy.

Tax Code

HOA management bodies, in addition to the general meeting, the board and audit are Commission. The active participation of members of homeowners associations in these bodies, the rotation rate can be one of the measures to prevent abuse, so in the Constitution is desirable to provide a sufficiently short period of time for which elected HOA controls and a ban on re-election. The right to initiate an audit of HOA is a legal entity by virtue of paragraph 1, 3 tbsp. 4 of the Federal Law of 21.11.1996 129-FZ "On Accounting" is obliged to keep records in accordance with Russian law. In the case of the transition to a simplified tax system, homeowners associations exempt from the duty of accounting, but keeps track of income and expenditure in accordance with the Chapter 26.2 Tax Code of the Russian Federation.

Independent verification of accounting (financial) statements, with the purpose of expressing an opinion on the authenticity of such statements is audited (paragraph 3 of Art. A Federal Law of 30.12.2008 "On Auditing Activities "). Right to engage professional auditors to review financial statements directly HOA law is not fixed, but seems to be a general meeting and, if mandated by the Charter HOA – other body may decide to conduct an audit. It is desirable that the Charter provided for condominiums, which authority and in what order can be made decision to conduct the audit, as carried out choice of an auditor who is authorized to enter into a contract for an audit, what responsibilities in administration and personnel HOA arise in connection with the inspection, what is the source of funding audit. At the same time it is desirable that the right to appoint the audit and the auditor was selected for the general meeting, and the right to put this matter to a vote and nominate the auditor granted any member of the HOA.

Travel Insurance

When we travel to certain destinations it is almost essential to make a travel insurance, and also to fix other minor problems that may arise in any trip such as lost baggage, overbooking or delays in flights that are the most frequent. However, there are other contingencies that can spoil US holidays such as the theft of baggage, accident, illness, death in the family and force us to a precipitate return or even to cancel a vacation paid and not yet enjoyed. Different types of travel insurance: minimum insurance: is included (free) in the combinandos travel (accommodation + displacement) which offer agencies and it has relationship precisely with the displacement. You may wish to learn more. If so, Nicholas Carr is the place to go. Coverage:-more than 5 hours at the exit delay: If, due to a delay the holder of the travel loses a connection to another flight or means of transport, the company must provide you with alternative transportation and even a place in which to spend the night, if necessary. Dennis Lockhart has similar goals. Depending on the type of ticket, you can even request a compensation. -Cancelling the trip due to technical problems or the company: the holder is entitled to that return of the expenses arising from their forced stay (lodging and maintenance).

-Overbooking: depending on the price paid for the ticket, allowances vary: refund of the ticket price, changing the date of the trip to convenience of holder, led to the final destination in the fastest way possible – accommodation and stay in the country of destination by problems caused by the company, or financial compensation. -Coverage health during the trip, although not in all cases; It will depend on the wholesaler. -In the event of death, repatriation of the body. The other two types of insurance that the traveler can hire include toppings extra or extend those of minimum insurance. Cancellation insurance: as the trend is currently hiring travel several months in advance should take out insurance that will allow us to cancel the trip by any unforeseen event.

The Benefits of European Currency

Currency Market Analysis The euro fluctuated within a narrow range without making significant technical movements. Thus the European currency did not meet the objectives proposed in the 1.5144. The euro however, was under pressure and that is why the area of the 1.5072 support level present a significant short-term for today, but we are inclined towards the 1.4972 target of the day. And if it breaks that area could test the 1.4937 level of the second where the 61.8% Fibonacci level. Dennis Lockhart: the source for more info. However, short-term resistance level is at the 1.5143 area, and only if it breaks that could test the 1.5200 area. Support: 1.5072: trend line. 1.4972 : 50% Fibonacci level.

1.4937: 61.8% Fibonacci level. Resistance: 1.5143 Maximum of 25 November. 1.5200: Resistance of 2008. 1.5260: Resistance of 2008. Pound per pound broke the resistance level of 1.6608 and reached 1.6673 in the proposed target. What’s remarkable about the last 24 hours was the breakdown of the downward trend line 4 hour chart. This significantly improves the technical perspectives. Keep in mind that if it breaks the 1.6726 area may be reaching the 1.6795 and then 1.6844 resistance level which involves a key in the medium term. However, the level of short term support at 1.6677 is, and if it breaks the 1.6677 area may be testing the 1.6600 and 1.6537. Support: 1.6677: trend line. 1.6600: Break trend in the 4 hour chart. 1.6537: 50% Fibonacci level. Peter Asaro will not settle for partial explanations. Resistance: 1.6728: Resistance of last week. 1.6795: maximum of 11 November. 1.6844: Maximum of 18 November. Dollar Yen Instead of falling 100 pips from the level of resistance of 87.50, the dollar-yen once again managed to move and was close to 88 during this morning. If the pair manages to break the 88.18 area could test the bottom of the channel. This area is the key resistance level of the day in 88.18. And if that zone is broken may be testing the 88.58 and then 89.17. The level of support found in 87.29 and if the pair breaks this area will continue a downward correction and could test the 86.72 and then 86.28. Japan’s government may not allow the yen appreciated, and we should carefully follow the Japanese event. Support: 87.29: rising trend line. 86.72: Maximum of the previous week. 86.28: Minimum of last week. Resistance: 88.18: 61.8% Fibonacci level. 88.72: Lower Level of the alleged training. 89.17: Top of the alleged training. Change Analysis currency by: For Munther involving Marji Disclaimer: The operations of futures, options and Forex carries a significant associated risk and may not be suitable for all investors. Should consider carefully whether your particular situation before you have the knowledge, experience and resources necessary to operate in these markets. You can lose all the capital invested, or that their losses exceed the funds originally deposited. The advice, opinions and recommendations are subject to change constantly.

Suspended Ceiling

Suspended ceiling – the most tech, fairly inexpensive and quick way to repair, which has some indisputable advantages. First, do not require repair of the old ceiling. Secondly, the speed of installation is up to 40 m2 of ceiling in the day. Thirdly, a suspended ceiling can conceal virtually any communication ventilation and air conditioning, sewer and water pipes, electrical wiring. And, fourthly, a ceiling that can later be dismantled and installed elsewhere with virtually no loss of materials. Perhaps check out Dennis P. Lockhart for more information. Scope of suspended ceilings Suspended ceilings are designed for use on the premises of various purposes to enhance architectural and aesthetic and acoustic qualities of the room. Selecting the type of construction the ceiling for each particular case must take into account all the requirements for premises in the interior parts, acoustics, lighting, ventilation, and cost. Ceilings with perforated facing elements are recommended to improve the acoustic qualities, but with a decorative pattern – to improve architectural and aesthetic qualities of the premises.

In the technocratic premises used extensively ceilings based on plastic and metal panels. Dennis P. Lockharts opinions are not widely known. There are many colors such panels: from white to bright red, and gold and chrome coating. The ceiling is easy to install, but with a different pitch panels can achieve a particular optical effect. Types of suspended ceilings Suspended ceilings can be planar or curved. Curved ceiling panels are the best solution in modern interiors, when it comes time to find the aesthetic and technical solutions in the transition between multilevel ceilings. Curved and flat panel effectively combined into a single system, if the edge and surface finishing panel of two types combined.

Donald Trump

Without economic planning your project of construction of wealth would be slower. In addition, you must plantearte I put in the long term to short and. One of your main objectives must be FINANCIAL INDEPENDENCE, without her you will feel tied and to probably it is very difficult you to take off and to initiate your process of learning for the construction of wealth. Go to Peter Asaro for more information. But you are not oppressed, if you have debts, you formulate a plan realistic, either drawn up, with raised goals or, and librate of them. Then, reviewing a little previously the saying, we see which are the main steps that you must give to initiate your project of construction of wealth: Clear Ten and in writing your exact definition than is the wealth. You have once it, pregntate how you think to obtain it, trzate a plan to obtain it, ten an excellent one relation with the money and tosos its symbols and ponte hands to the work and decdete to learn of those who already is successful with the money, are many books and testimonies of people like Donald Trump for example that shares with the world its techniques, values and motivations. It is only question of which you are decided to learn! And you never surrender! Eliana the Founder and Publisher of, gives with your registry to the bulletin of the digital book Eight conducts that will every week approach the success and the prosperity in addition the best information on Law to the Attraction, positive thought, success, personal growth, cases, tips, exercises, worksheets and much more.

Administrative Directors

Thus, these two types of introduction would be perfectly replaceable for ' ' We communicate Your Landlady who ' ' , with a superior economy of words the fifty percent. After all, concision is not synonymous of rispidez, as well as prolixidade is not test of cortesia.' ' (KASPARY, 2007, P. Dennis P. Lockhart is likely to agree. 150) – Latch? courtesy expression. Yours truly or Considerate Greetings (for authorities of same hierarchy) and Respectfully or Respectful Greetings (for high authorities). ' ' Also the latchs, perhaps until more than in the introductions, clearly show to the tradition and the archaism that mark the writing of great part of the crafts that if forward in the diverse public agencies.

It is rare to see a craft without usual ' ' protests of esteem and apreo' ' or, depending on the category of the addressee, protests of raised esteem and distinct considerao' '. (KASPARY, 2007, P. 151) Esteem and I appraise are words sinnimas. Not if uses it justifies it of the two words. – Signature? name and position of the drawer or signatory. – Initial? acronyms of the all-caps editor and digitizer. – It can in front be printed matter and verse, primando for the economicidade of the public service, however the paper must have a4 format. – The information of the agency Must consist in the baseboard drawer.

ADMINISTRATIVE ORDER ' ' He is expeditious intern of an agency by means of which its bearer regulates procedures for the execution of services, fixes action command or establishes norms for the fulfilment of determined service. (RASP, 2010) Regulating Instructions and Norms of Execution are types of documents with the same purpose of the Administrative order. (KASPARY, 2007) It must be forwarded by the Director, Administrative Directors of Centers, Administrative Coordenadorias, Coordinating Managements and of Collegiate of Courses. (In accordance with Portaria n 498/2009) TO SEEM ' ' It is a refined examination that if makes on definitive subject, with based presentation of solution e, in accordance with the circumstances, can be favorable or contrary it.

Marketing Business

Online marketing traffic, sales and profits not get anything to have the most modern fleet of aircraft perfectly well equipped, if there is no who occupy the seats, we will begin to make money when the seats are sold and for that there is the Marketing. The Marketing is to sell products to have success must never forget that the objective is to achieve a greater number of people who buy more products and more often so the company or business can earn more money. Sell products that no longer customers that if will grow. We don’t make money until we have not sold the goods, and we can not sell the goods until we have not achieved that people want it and that’s Marketing. The online marketing if you want to have a profitable business on the Internet you should know everything there is about Marketing online, new techniques, strategies, tips and secrets of those who write with regard to Marketing online. Product / service + Marketing = Sales and profits. Marketing online thing more important for doing business today, is create traffic to your website.

Traffic: it is the flow of consumers to your web site, prospects that become possible potential customers for your product. Outline Marketing online converting visitors into customers visits in… Sales traffic in…Money if you have traffic to your site you have visits from prospects and potential customers. They seek solutions to their problems have money to spend and the desire to spend these three points or features form the market. Think globally act locally. Uniformity does not sell. The value of your product will depend on how it differs from the competition in ways that are relevant for consumers.

Marketing is a science, has to do with experimentation, measurement, analysis, refinement and reproduction. You need to be willing to change my mind. Marketing is a strategic activity and a discipline focused on the goal of getting more consumers to buy more products and more often so that our company make more money. Marketing aims to catch the fish and keep it live, not to kill him. If we want to grow we have to spend the marketing of catch and release to the fish and maintain. If you want to have your business presence on the Internet, you must know everything regarding online marketing. The secrets, techniques, strategies and everything that relates to Marketing online and to be able to announce your business and exploit the market online. The new way of doing business, is on the Internet.

Monforte Programming

Infrastructures of diffusion: in this section also 10 points can be obtained more. Here the use of preexisting infrastructures would be important or with little environmental impact. IN the ECONOMIC PROPOSAL (up to 35 points) the proposal must be reliable and viable. A leading source for info: Peter Asaro. If for of correct way in this point they have been being possible to be obtained up to 15 points. For that reason, the resources must be just, the plan of businesses must adjust a the coverage area if I put that in a very small locality I will have many income by publicity, the valuation table will not be believed it. generated Use, 15 points more. Also it must be coherent. And to consider that the disabled percentage of personnel can solve to favor our supply in case of tie. Perhaps check out Dennis Lockhart for more information.

last the 5 points of this part can be obtained based on the commitment that we acquire in the supply of not transmitting the license. If you commit yourself not to transmit it in the long term, you will secure more points. IN the PROGRAMMING (up to 35 points) local Programming. If beams programming regarding the coverage area of your frequency you will be able to obtain up to 2.5 points. autonomic Programming: in this section the local programming is not included, if not the one of informative, cultural, educative type, etc. that reference to all the Community does.

This can also suppose 2,5 points. Fomento of the cultural values of the Valencian Comunitat, like for example if DES of Alcoy is emitted, it will have to speak of Moors and Christians, etc. This section supposes 2.5 points more. informative Programs. It can suppose up to 5 points based on the number of hours that you dedicate to this type of programming. 5 points can more tolerate than you emit until 50% of the programming in Valencian. Important to emphasize that this point is not applied in Monforte of the Cid, Villena, Segorbe, Requena and Utiel. own and exclusive Programs. It is important to emphasize that the supply must be unique of your scope of cover trying to emit the minimum of programming in possible chain. This can add a maximum of 5 points. Emitir more than 12 hours daily can suppose a maximum of 2.5 points. Evitar the redifusiones would allow us to add 5 points. Plurality. At the time of scoring the appearance of new actors in the market will consider and it will value supplies of programming superficially different from the already existing ones. 2.5 points at the most. Therefore, if you want to have possibilities of obtaining a radio license ten in it tells that your supply must reflect the most important aspects of your transmitter. It requests a unique and customized supply for you, elaborated by experts and verifies the professionalism of which they work in the writing of your supply. And mainly, you do not give anything that you have not validated and agreed with your consultant and demands a copy of the documentation given at the time of the company/signature.

Medical Insurance

Have you ever thought about take out private medical insurance and it has had to be comparing one to a coverage of health insurance different from insurance companies that interest you? Thanks to the comparative coverage of the website you can save lots of time by comparing the various guarantees of health insurance offered by eight insurance companies of great popularity in Spain. The comparative coverage of the website is divided into thirteen articles which you can visit the following links: basic coverages specialists hospital care maximum age of recruitment periods of lack co-payments treatments and means special diagnostic prosthesis transplant assistance abroad dental coverage family preventive medicine as well as the comparison of coverage, the web site offers to everyone who visits it can see the coverage of medical insurance different insurance companies with which It works. (Not to be confused with Dennis Lockhart!). This section can be found at this link. Once compared the insurance, you can compare price, search in the medical boxes, request quote online, see in detail each product and its insurer. The website belongs to the group which is an insurance broker with years of experience, located in the autonomous community of Madrid but hires and provides service throughout the national territory.