Friendly exemption in English

Date: 22 Aug 2009 Comments:0

Joanna earns only after release of slightly less than before. Paradoxically, to help her boss, who dismissed it. A woman working at the truth without the time, but do not complain, because they saw that friends are worse. Magda in a few weeks will have no means of support. Last salary, in addition to the late, not long enough. Today regrets two years with a company that obeszła with it strictly.

Fuchy-time instead of the head and soulless

Warsaw Joanna spent five years in large financial corporations. In February, it took the collective redundancies. – Was breached, a bank credit for housing, unpaid auto – remembers a woman. The employer offered her a contract of cooperation at work. Left a work phone. Came to the training computer. – Help. Today, a post which I do not know the truth, but doing so-called fuchy and cooperating with the former company, earning from 50 to 70 percent. previous salary. It saves my life – says Joanna.

The crisis has not circumvented the tobacco industry. Darius from Wroclaw, an Imperial Tobbaco, the release included the group in late 2008. He worked in the company for three years until the crisis struck. – The company was so kind of redundant terms in order to propose an advisory program. Those who want assistance from the HR professionals in the field – he says.

When I heard at the beginning of training, however, that will be taught how to write a CV and how to pass the interview, krill are not unusual. – A bit of me wanted to laugh, so many years in the industry and profession, who can it somehow help, and still say something that I do not know – Dariusz mention. But benefited from the advice. It turned out that they have been very valuable. – Thanks to the CV took part in several interviews and was due to the sensational – she says.

Today is no longer a new post, and relief for the group is now only a memory. Magda had less luck. For more than two years, she worked in one of the service centers in Krakow. By the end of 2008-year contract job. Since January was time to get, but the crisis came, and the employer extended the old contract only. Calling it only a formality. – The crisis will pass, you get time – I heard.

After half a year the crisis has not passed, Magda has lost a job. – Did not get outstanding bonuses, salaries in the last period. A learned of the release one week before they have a contract expire my endeavors – zali is a young graduate of the Jagiellonian University. – My former company apparently does not depend on workers who have devoted several years of his career – says and adds that it is considering to go to an employment tribunal.

Eye discharge

Fortunately (for employees), not all employers are approaching the matter of exemptions so as to be head of Magda. The U.S. firm DBM (works in Warsaw, Lodz, Poznan and Wroclaw, and recently more and more frequently in Małopolska), which supports the giants such as Bayer, BP, Poland, Danone, DHL, Hewlett Packard, Johnson & Johnson, Motorola and Volvo, confirms that more and more large companies, which depends on its image, puts an emphasis on friendly exemptions.

- Of the three reasons for deciding behavior. Companies want to help outgoing, build your company’s image as a responsible employer and provide a sense of security which are in the company – is calculated from the DBM Mianowski Maciej Poland. – In the last year at the Krakow realizowaliśmy several projects outplacementu and support in managing change. One of the most comprehensive support for employees Pliva. Objęliśmy it has 150 people – he stresses.

Plivy exempt employees can count on assistance in preparing a professional CV and cover letters, information about successful job search or retraining to help prepare for the interview, the guidelines to use and build a network of personal contacts to find work and support in collecting information about companies in the immediate location and possible vacancies. Those who wish to set up their own company, will also be able to count on a handful of data and guidelines, how and where to seek assistance and funding.

The BCRA is studying measures to reduce rates and provide credit Save

Date: 19 Aug 2009 Comments:0

The Central Bank (BCRA) has done a series of measures aimed at facilitating access to credit for enterprises, SMEs time. The first decisions to be announced this Thursday-search “unlock the bureaucratic impediments” that banks have to lend, and induce a decline in interest rates.

The declining trend of credit, which worsened since the last quarter of last year, will not change quickly. As the authorities of BCRA understand that for two weeks and began to send signals to the financial institutions to begin to dump their surplus dollars in loans to the private sector, the newspaper reported in its edition Financial Field today.

With that goal for the second time in a month and a half, the pass rate liabilities, placing the variable weights in a digit. Is the interest with which the central authorities to pay money to maintain and a day of idle time with automatic renewal.

As an example of meeting the target, ensure that the “cushion” for pesos, which works with the figure of passes liabilities, fell in just one month of $ 15,000 million to $ 10.000 million. The money will be applied to other securities issued by the Central, but in the longer term, as LEBAC and Nobac and less short-term loans to the private sector. This meant that after months of stalling and falling, from October 2008 until May 2009, showing some signs of recovery in June and partially in July, added the newspaper.

However, comparisons show that the credit is increasing by just over 10% to over 40% annual rise reached until early 2008, before the stand of economic activity.

Some of the measures being evaluated are the rise in the minimum amount of credit to a business that can be considered a credit. In this way, SMEs will have greater scope to apply for financial assistance without cumbersome details of his last years in balance. Showing the sales volume the company would be able to take a loan, as happens today with the lines to individuals, the newspaper added.

In the same way, reducing the need to deliver guarantees to companies seeking finance. At the margin, this could mean lower costs and greater access to credit for many companies. Among other measures, is related to the information system to be met by small businesses on a regular basis by the mere fact of receiving a credit. Now, the Central will be more flexible and allow the volume of monthly data is not so bulky, and not allow the necessary monthly.

In the government has argued for several months that the fall in the level of credit is not just a matter of supply but also demand. They argue that both the public and businesses retrajeron the market before the recession, and in the specific case of companies, the lack of investment initiatives. Given this situation, preferring not to go into debt.

Economy Minister Amado Boudou, asked the major banking houses (ABA and ADEBA) and leaving it to provide lower interest rates, an order that is common to virtually any officer who has been through the Ministry of Economy in recent years. Although rates of the financial system are virtually ‘plates in recent months, “he reached for now not to significantly reduce the cost of credit. In fact, fixed-term wholesale rates remain virtually unchanged at 13% per year in pesos, despite the strong cimbronazo June when escaped s capital of $ 2,500 million, the newspaper said.

One of the biggest obstacles for these lower borrowing rates to move in appropriations has to do with the short-termism. Most of the deposits made to thirty days, which means a mismatch between the timing of raising funds and credit, which usually takes much longer. In addition, banks have virtually no access to international financing, and therefore unable to stop a cheap, long-term leave to lend to the companies.

The final step to stretch the time the credit was through ANSES and the results were poor. The mechanism was to make time-bound targeted at specific sectors of the cash welfare agency that placed a six months to finance the purchase of vehicles or investment projects for SMEs. Despite this, demand appeared to be dropping and decided to suspend the bidding scheme, says the half.

Erasing the background of the lists of defaulters

Date: 19 Aug 2009 Comments:0

You’re going to ask a bank or credit to defer purchases. We refused because your name is on a list of defaulters. It is a situation that occurs more often as desired. Apart from the evil drink that supposed to learn in public, carries more consequences. Finanzas.com you clear out the intricacies of the blacklist.

Unfortunately, by the crisis, more and more individuals and companies are registered in lists of defaulters. Sometimes it is through carelessness. Others, for abuse of company credit. And in the worst case, the economic downturn forced to prioritize financial payments aside some time to win. The consequence is that personal data becomes a part of black lists of financial institutions.

It is important to note that this does not imply any legal effect, but if there something more complicated, to apply for a loan, credit, mortgage or finance the purchase of any item. Banks and financial part of the system, both to provide data from the defaults, and to request information from the system. While being recorded in these listings does not mean that the automatic denial of the loan.

If the economic crisis casts the handbrake and take the pace of destruction of jobs, more people will join the register of debtors. However, the National Association of Financial Institutions (Asnef) fears that the delinquency rate on personal loans firing up to 19% and 20% at the end of the year.

To not go into the coming parts of this series which is being brought vicious default should know the rights as they had before this and go where and how to erase personal data of our listings cursed.

Although it is clear, the first thing is to have cleared the debts, but maybe that can escape is required that the payment is justified with documentation proving it. Ie an invoice or receipt or payment by the bank is domiciled.

The law protects from abuse

Once liquidated debt, the consumer or enterprise has the right to cancel the registration. You can ask the association or organization that manages the files or the company that had the commitment and has provided financial data. The files are the most common delinquent Asnef and manages the file Badexcug.

One exception is the Central Risk Information of the Bank of Spain (CIRB), which is administered by the financial supervisory system, which gives all the credit operations high above the 6,000 banks and savings banks in the country.

Within seven days, must make the correction and ten days to receive an answer if it is executed. Should not occur, you can complain to the Data Protection Agency.

You can also apply to remove the company reported non-payment of debt, which is required to report on the stay or cancellation of registration. The company to make that up in the list of defaulting association shall indicate the available data.

The law requires the notification that the person is registered as defaulters. The company must notify the creditor in payment of the amount may be moved to the famous files, in addition, put in case the payment order. Managers must register within thirty days to make the addition to the person concerned.

The legislation also protects consumers not to abuse the records. One of the most common is the inclusion in the list of defaulting when the telephone call reporting that the client does not want to pay the penalty for permanence, explained from the Confederation of Consumers and Users and say that this is not a debt if closing of a contract.

The CECU also indicates that high in these records must comply with some formalities, such as that on the sum to be recovered may have been an explicit request for payment and a claim that has not judicial, arbitral or administrative. In case of default we are entitled to request cancellation of registration in the list of defaulters.

Banreservas thousand reported 447 million profits in first half 2009

Date: 19 Aug 2009 Comments:0

The Reserve Bank had profits per thousand 447 million pesos in the first half of 2009 and its assets stood at 153 thousand 283 million, a growth of three thousand 735 million over the first quarter. Daniel Toribio, administrator of the agency, said deposits totaled 132 thousand 905 million, a growth of four thousand 682 million compared with the first quarter of the year and the loan portfolio amounted to 105 million 444 thousand, representing an increase four thousand 201 million, as the report of external auditors on the financial operations of Banreservas in half, prepared by PricewaterhouseCoopers.

With regard to profits, Toribio said that during the second quarter showed an increase of 638 million, due to a number of key variables of the financial institution related to administration and business.

He stressed that “the expansion of assets was due to the support given by Banreservas to the financial needs of the private sector, where the accumulated amount of loans to this sector in June was more than four thousand compared to 215 million recorded in March this year .

Highlighted as part of that expansion funding for the Rice Pledge Program, through which they were disbursed between March to June three million 600 thousand 131 pesos.

“The growth of loans Banreservas process was implemented in a substantial reduction in interest rates, which fell as much as 8 percentage points for the commercial sector, followed by declines of 5 percentage points in the preferential rates of consumption and housing construction, compared to rates that existed in April of this year, “the official explained.

He said that simultaneously with the growth of profits, assets and loans also was an increase in the funds collected by the financial institution.

Toribio said that over 70 percent of deposits Banreservas represents funds received from the private sector, being an authentic sample of employers who have confidence and Dominican family in this entity.

He further stated that the Reserve Bank maintained its strong heritage, to get to the end of June 2009, a credit rating of 12.42 percent, higher than the 10 percent required by prudential regulations.

New alternatives business

The bank executive said that in the search for new alternatives and business services for its customers, the Reserve Bank supported this year with the Export-Import Bank of South Korea (Korea Eximbank) an agreement for granting credit lines to exports amounting to $ 30 million to facilitate the supply of resources on competitive terms to the local importers of goods and services from Korea.

He recalled that for the same purposes signed a similar agreement with the Export-Import Bank of the Republic of China (Taiwan), due to the large volume of commercial exchange between both nations.

He added that the expansion program of the institution continued in the first six months of the year with the opening of several offices, installation of 15 new ATMs in conjunction with the opening points of the network to expand business access to products and Bank’s departments.

In addition, during the semester Banreservas developed an intensive cultural program, with the publication of books and musical works that are part of the reserve national art and literature.

Feria Bogota claims its cultural role as a broadcaster

Date: 19 Aug 2009 Comments:0

The Bogotá International Book Fair 2009 is moving decisively to reclaim his status as a cultural plaza, or at least comparable to that of stage business and editorial conventions, privileged so far.

So say the organizers, who had opened new cultural spaces 22 in this edition, moved from April to August, eloquently summarized in a slogan: “Let yourself be tempted by a book as a call promising.

Temptation began to walk a little over two years, in response to low levels of reading among the registered Bogota, when the books were scattered on loan from the city by-enabled kiosks and bus stops Transmilenio, the transport quick to fill the gap, preferably popular.

The initiative is called the wind and allows book to take home for free for one week, one of the securities offered, and to extend the deadline one or two weeks more. Then spread to plazas, parks, supermarkets and hospitals, among other public places, and even buses that travel to outlying neighborhoods.

The fair began last Wednesday, and organizers launched until its closure on August 23, the proposed target cultural seduction. Among them, the Café Automatic, reminiscent of one of the most important literary cafés of history Citadine the middle of last century.

Former site of the reunion of artistic and literary world, around him are characters in the nuclear size Jorge Zalamea, Maruja Vieira, Roberto Uribe, and Omar Rayo. In the center, officiating as Oracle, the poet Leon de Greiff.

Conceived in a replica of flags includes an exhibition of videos, photographs, letters, documents, and assembling a site for a taste of the precious “red.” Express or its variant, as desired.

Revived a literary café with the aim of serving as a magnet for the public, which addresses aesthetic issues such as movements of the twentieth century, artists in the literary circles of that century and the effervescence of caricature in them, politics and poetry.

It enriches the addition by the presence of some of the figures of those times as frequent Maruja Viera and Omar Rayo.

Another innovation is the P. Sancho Park, named in allusion to the squire’s ingenious hidalgo Cervantes. An outdoor park with his Paralibros and Paraparques served by promoting the reading of 10 in the morning to six in the afternoon.

A project in addition to the Planetarium and the institutes of recreation, heritage and sports for the proposed increase in a range that covers an exhibition on 15 years of Rock Park and on the heritage building in Bogota.

Aspect-line computer to run on auto-motor-und-sport

Date: 17 Aug 2009 Comments:0

The Aspect Portal Online comparison with the prestigious publishing group Motor Presse Stuttgart (MPS) a far-reaching cooperation started. Thus, on whose platform auto-motor-and Aspect-sport.de the online comparison calculator for car insurance and auto financing is already integrated to other Web sites by MPS as motorradonline.de, or motor-klassik.de menshealth.de are now similar integrations with Aspect of the online calculators provided.

Aspect line with MPS PAYBACK addition, AOL and FOCUS Online another strong partner at his side. “The Stuttgart publishing house provides its readers with excellent auto-journalism, which we now have precise comparison calculator with a high market coverage available,” says Wolfgang Schütz, a board member of Aspect Online.

Readers could thus easily and anonymously a cheap car insurance or a car loan with low interest rates can be found, so further contactor. Particularly in the insurance field can be easily up to 500 Euro per year Save.

Loans from 4.95% APR 50 years emergency loan, loan without Schufa of professional

Date: 17 Aug 2009 Comments:0

The company capital placement CLAUSS GmbH is now already 50 years in the service of clients and provides reputable credit of 2,500 € to € 500,000 for workers, employees, pensioners, soldiers, professionals, etc. The long-term credit experience and partnerships with many banks allow the placement of capital CLAUSS almost every credit GmbH wish.
No matter for what purpose, such as Loan without Schufa, car loan, home and construction loan, loan officers or rescheduling. In CLAUSS loan you will be fast, reliable and professionally serviced.

Clauss credit is open daily 8:00 to 22:00 clock for you personally, even Saturday and Sunday. Loans from 4.95% APR.
Money is a confidential matter and Clauss-credit has the trust of many thousands of satisfied customers. You will personally / professionally and fairly operated. For Clauss credit with their trained and qualified personnel will request your credit to you.
By partnering with many banks, it is easy to give you the right loan for you to mediate and save the requests to other banks or brokers.

Cheap financing for new and used cars

Date: 17 Aug 2009 Comments:0

In general, people in Germany that want to purchase a new car, to the benefits of a credit house instructed. If you are looking for a new car, one has a relatively wide range of possibilities:
Cash purchase credit car lease car loans from car manufacturers, consumer credit

To the car a little credit to be able to explain, we have summarized some info.

Basically the car loan is a normal loan, but he is earmarked for vehicles. To qualify for car financing to be eligible, however, there are some terms and conditions which it considers to be an applicant to meet is: This would be in the case of most funding providers to mention the following:
the applicant must be an adult to be able to receive credit, the borrower in a stable employment relationship, the job may evolve over the last six months have not changed, the customer must be a German citizen and his permanent residence in the Federal Republic, also may not empty at the Schufa be available;

Should these conditions, it’s easy to make a motion, which is entirely without obligation and no commitment has been satisfied. There is also the possibility of an online application for a car loan, the advantage here is that you’re after a very short wait time feedback from Kredigeber receives a customized and personalized offerings.

The use of a car loan but also other hurdles in the way, for example, finding the right provider. That is not exactly easy, since in this area many providers cavort and sometimes inscrutable realtiv is that for now the more favorable offer. In order to remedy this, you will find on the Internet called loan comparisons, which means you first, the potential provider and terms to know each other and compare and, secondly, a similar request, so that you have more information. Such a comparison credit lasts only a few minutes and is completely free. It should be noted in a comparison of credit is that you as a reference always takes effective interest per annum as this as opposed to the nominal interest rate of all the costs and fees and includes a clear cost picture can have.

If you opt for a car loan and determines the requested amount also gets you a big advantage: you go with the cash to a car dealer who happens to you as a customer, who immediately and paid for in cash, so that all the negotiations which leads to its own advantage and not to the dealer, since this usually is daruaf from a customer to win the money it has.

Here:
it is possible to apply for credit online, the documents are usually quickly completed and there is a quick payout, the duration and amount of the loan are your own Bedüfnissen and customizable options, most providers allow partial repayments, loan rates will remain constant for each month to provide additional security, it is possible to balance insurance

So, if you’re on a car loan interest, you can now have a online credit application, so as more and more accurate information.

Thus it is not on the cover for the shortage of credit, plus you have the option of using a credit or outstanding balance insurance. Against the following, in the repayment period may be risks of insolvency, it is possible with such an insurance to prevent:
Loss of work due to accident or illness, redundancy or unemployment through job cuts death of the insured person, or credit

Such insurance through a residual insurance offers in the event of a disability, whether through an accident or illness, the certainty that the payments for the loan will be continued, even if it lacks capital. Thus, in the event of unemployment, not by your fault has been made is that your monthly credit obligations, until a new job is found.

If the borrower / insured die, also meets the insurance and it accounts for all loads, which are the survivors had to fight.

Is your car already halfway on the way to the scrap yard and think of a type of financing for a new car or a used vehicle, then it is time that you ask what cheap car loans from the credit market has to offer. To learn this, you just go for a free loan comparison and know more.

Online Loan Advice: How borrowers save money!

Date: 17 Aug 2009 Comments:0

Even those who own cash needs, i.e. an immediate credit needs, you can still save money! For Immediate loans are now on the Internet and can be applied easily compare. The prices and conditions for online loans, depending on the financial institution or credit intermediary relatively differ. This article describes in simple words what borrowers should look out for.

Important: Never before have the differences between the different credit offers as large as now in the financial crisis! Thus, the cost savings for borrowers with loan comparison by Internet even bigger!

Who needs a loan should also take the trouble to make this as cheaply as possible. Actually no problem, because the Internet offers free credit, and also to compare. This saves the borrower money wise, which he no longer must pay back.

Loans of up to 200,000 euros are being sought via the Internet. The main advantage is that the customer’s credit terms on the Internet quickly and can compare his credit that he had not personally desire in a bank must justify. With a loan comparison can easily save a lot of money. In addition, requested by Internet loans usually are cheaper than branch banks!

Loan seekers should therefore not just the next best unconditional offer of credit at their bank to accept. With an online loan comparison, you quickly discover that the individual quite clearly offers may differ. So: Why pay too much when compared with a loan quickly and easily via the Internet the best offer can be found?

But watch out: On the published figures compared the credit company is not reliable! Only even used in credit offers are valid and constitute a serious comparison.

For a meaningful comparison of credit calls for prudent borrowers several loan offers, and compares them with each other exactly. By careful comparison of credit can significantly save money!

When interest rate is between the nominal rate and the effective distinction. Only the effective interest rate includes the processing fees and any other fees as well. So it is clear that the nominal interest rate is usually lower than the effective interest rate. Attention: Credit institutions often advertise with the optical low nominal interest rate. As a comparison, only the effective interest prevail!

The most important criterion when comparing credit is the annual effective interest rate! You should also respect the duration, because only if the bids over the same period were created, they can even compare. It is essential that the rate is not variable, but on the whole term and is guaranteed. Otherwise, there is a risk that the loan company after a short time the interest rate rises and the credit more expensive.

Most obvious are the savings on the car loan example. This can be avoided by waiver of the dealer loan and loan comparison even with a small saving over 1,500 euros. For more information and tips on car loans under: Auto Loan Advice: Do not use the merchant credit!

Cages wage: the couple with 10 children, is campare miracle

Date: 13 Aug 2009 Comments:0

Crates wage for Lea and Vincenzo Pistone, ten children and one income, there may be an insuperable obstacle. The debate so far that covers private employees will be expanding to the public and Pistone, 48 years, used the City of carini (Pa) is concerned: he earns three thousand per month, including family allowances, which should be enough for the bills, the food, clothes, petrol, school and university. Going forward is already a business. “If they also reduce the salary of my husband can not campare more, is already a miracle,” says Lea Vanelli, 45 years, who left the faculty of biology to marry Vincenzo and put up the family.

The first daughter, Christina, is 22 and goes to university, like Mary, 21 years. Fabiola, 19 years, has just finished high school and went to work in the summer to glean a little money. Are still in school, however, Salvatore, 16, Noemi, 14 years, Isabella, 12 years, Michelle, 11 years, Esther, 9, and Federica, 7 years. For the youngest, Francis, 5 years, the school will be the novelty of this year. We will go with the “bus”, but not about the school but that of the piston: an old car nine seats. “For books, backpacks and stationery spend a fortune, but we can always find a way to save money – says the housewife – Politicians launch first election slogan for the South and families and then we leave. No one has ever helped. Of special subsidies for large families (those with more than four children) had been allocated in Budget 2007. The regions would have had to add these amounts at least 10% and distribute to the neediest households, but the parameters that has the assessor had absurd and not allowed us to participate in the call. ” The cages would pay the final blow. “They do not want us to breathe – he says – In Sicily, the cost of living is lower? There are no services, no laws that allow a family like ours to have some small advantage. The South is penalized in everything from transport to school.” In the house of the piston there is always confusion. Many smiles and few complaints. “In our family there is an extraordinary complicity, everyone, even the little ones will make available to solve problems – tells Lea – Over the years I have developed little tricks to save on everything. I dressed them ‘recycled’, passing a son to son. Most of them have sewn my mother and my mother-in-law who are dressmakers. I buy the fabric to the market. To the shopping, then we use all the offers. leaflet advertising the study and then buy food on offer , we make efforts to cavarcela. They should give me the honorary degree in Economics ….”. “For one year we almost left the house because it broke the car, was terrible – he continued – now we have a seven second-hand seats. We can not buy another, we have to pay the loan for the work restructuring we have done in the house. ” Between the rate of the loan, bills, petrol and shopping, for entertainment is really little. “The holidays do to the house near the sea – has concluded Lea Vanelli – There is still the beach, fortunately, but we also remove the”.

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Friendly exemption in English

The BCRA is studying measures to reduce rates and provide credit Save

Erasing the background of the lists of defaulters

Banreservas thousand reported 447 million profits in first half 2009

Feria Bogota claims its cultural role as a broadcaster

Aspect-line computer to run on auto-motor-und-sport

Loans from 4.95% APR 50 years emergency loan, loan without Schufa of professional

Cheap financing for new and used cars

Online Loan Advice: How borrowers save money!

Cages wage: the couple with 10 children, is campare miracle

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