The essence of the ongoing pension reform is to move from strictly payg pension system to a funded. Mechanism for multiplying the funded part of labor pension, and, correspondingly, the total amount of pension is to transfer the funded part of pension (just one, which is reflected in a special account in Notices of the Pension Fund of Russia) in a special trust management companies or non- pension funds. To date, funded part of pension funds the majority of employed Russians handed over to the designated State of the company – it's Vnesheconombank (VEB), the so-called state management company, which is actually a commercial. veb is automatically transferred to pension funds of citizens ("undecideds" as they are often called), which have not yet opted for what – or one of management companies that have a special license and selected Russian Ministry of Finance in a special competition. The difference between operating companies is that they are allowed to invest pension funds. ebv may allocate funds only in government securities with a return that usually does not exceed the rate of inflation in the country. It is very reliable, but low-yield instruments: federal loan bonds (OFZ) and Bills (short-term government bonds). Professional property management company has more opportunities for the investment funded portion of pension – here, there are 9 species available for investment assets (government securities, securities of Russian regions, municipal securities and corporate securities – stocks and bonds, with the greatest potential for growth), as well as for management companies expanded limits for investment – a reliable and high-yielding stocks they can invest up to 55% of the portfolio, but not anymore, and ebv generally excluded.
Tag: business services
Recycling
Society is richer, more garbage. The volume of packaging materials, we have become increasingly getting rid of old furniture, household appliances. Cities "throws" tons of household, construction and industrial waste. Debris from a vital need to take out, and it would be nice: Dispose. This fascinating process of life garbage we try to describe the article. Step One: Removal of trash! This must be done quickly enough to that wastes have not started to decompose. And while it should be done without "loss", noise, no odor and dirt.
At home (beginning of life cycle collector) the most well these requirements are met by the garbage disposal. Design it simple. This is the trunk of the pipes with loading chamber and a ventilation system. Pipe diameter – 40 inches (Russia) to 1 meter (American skyscrapers). Ventilation garbage – natural, mostly exhaust deflector mounted on the roof. It provides air flow from the staircase in the barrel garbage – in this case, it is estimated unpleasant smells in the house will not penetrate. Unfortunately in real life, odors still penetrate into the house. The reason for this is mainly the pressure drop in the pipe garbage. Due to the fact that the temperature at the bottom of the barrel cooler, there rushes a cold, denser air, warm, lighter, thus accumulates at the top and as a result the pressure drop contributes back of the air – from a pipe on the stairs. At the lower end of the barrel garbage adjoins a special camera that collects garbage.