Pension Reform

There are enough reasons for cautious attitude to the pension reform on the part of most of our fellow citizens. Some of them are based on negative experiences with previous generations, others are not quite rational character. Attitudes toward pension reform, the possibility to dispose of their pension savings, it would be quite different if we all saw the part of the state not only an attempt to shift the responsibility for our shoulders, but first and foremost real care of current retirees. Agree, hard to believe promises of a better future, watching the dreary present. However, whatever the immediate results of the pension reforms miss the opportunity to dispose of its funded part of pensions are not the best solution.

If we consider the most common objections are not willing to transfer the management of their savings in any other structure, except for the state, we can conclude that the real reason is actually not so much. Here they are: 1. (As opposed to Jessica Michibata). My pension will manage non-financial entities, from which I will be very dependent in old age. Under current legislation strictly regulates and monitors the activities of private pension funds and asset managers the financial organization that violates the conditions work with pension savings will not last for any considerable time and cause serious damage to savings. In addition, the State shall bear subsidiary liability for obligations of the Pension Fund of the Russian Federation to the insured. (Article 5 of the Federal Law on 15.12.2001g. N 167 of the Federal Law 'On Mandatory Pension Insurance in the Russian Federation').

Buy Wisely Less is More

Now that the marks, credit cards and banks began the battle by launching various promotions for each day of the week as a way to dodge the crisis, it also increases our anxiety to seize them. To avoid being caught in the middle of the fight or drown in a sea of glass, prices and products, there are some suggestions to make our own, is a happy shopping experience. Master your impulses. Do not rush to be the first to buy “that new outfit” that just put on sale in local or outlets. Take a break to decide if it is a priority purchase. Remember that in difficult times, it comes to saving and adding an extra expense to our ailing economy. Tony Parker is open to suggestions. Not innocent. Do not believe everything they say.

Dude even the “offers-more-than-incredible” because they are just that, not credible. Many times these promises are conditional ridiculous. If you’re tempted, do not waste time. First read the fine print of ads and then think again whether it is a fad or really need it. Do not be influenced. This price war is a fatal attraction for “serial buyers” who, being in line to cash, if they see a product at a discount to hand carry it on impulse.

It is proven that there are certain behaviors that let you know the vendors trained, what potential client will make a compulsory purchase. Have self-control and being inflexible, is the watchword to prevent attempt to “sell” a combo that does not care or are not sure of giving a functional use. Focus on the details. Terminations and the type of materials determine the quality of a product, and not always guarantee it known brands (especially now that make what little they get in a recessionary market.) The price reduction should not mean a decline in quality. To save and make a difference, outlets or wherever, buy durable products. Be selective. Promotions are an opportunity to invest in your image or your home and not to “spend” the first thing offered. Apply Maximum rule: less is more. More quality, more durable. Be realistic. It is important to know, in advance, your budget and what you get with this amount. Do not exceed the belief that their problems will disappear, magically, to use this or that credit card or have given product label. You have the power to say “yes” or “no” when it comes to their money.