Also got into other businesses functioning on the rynku.zobacz 4 of the Law on financial security: What can customers expect and Frankowicz “chwilówek ‘” The Bank does not despise any commission: How high can this fee with loans? »Borrowing at home this pathology? The dispute lasts loan companies “- companies Loan Association is in general opposed to this law, because it would be best to pull customers away with impunity – said Minister Leszczyna.- Creativity loan companies in inventing additional costs is inexhaustible – she added the representative of the Ministry, referring to all companies operating in rynku.Radosław Plonka, BCC expert, argued that the solution suggested by MEPs would be incompatible with EU directives. But Dorothy Karczewska, vice president of the Office of Competition and Consumer Protection, MEPs convinced that EU regulations do not use the term at all cost limit non-interest income – and thus can not talk about the lack of consistency with Polish regulations dyrektywą.Ostatecznie amendment as proposed by the President Members of the subcommittee Jack Birkenau (PO) was adopted. This means that the fees for additional services – including primarily for home service and additional insurance – will be included in the limit costs. The leaders are the Scandinavian countries, the Netherlands and Luxembourg.
The main difference between them and Polish: in our country the popularity of the various services available on the Internet is high, but mainly among young people – to 30 years. Then rapidly decreases. Scandinavians managed to spread the use of the network also among the elderly. In Luxembourg, it sends e-mails 88 percent. people aged 65-74 years. In Denmark, 83 percent doing it. people at that age.
Us – 18 percent. In the Netherlands and Sweden in the age group 71 per cent. people say they use online banking. We have 10 per cent. (There is also a lower percentage of people who have an account) .See also pay for faster internet municipalities “does not change the fact that in the last 10 years with us and there has been a lot of progress when it comes to internet use. The percentage of people communicating via email doubled. Using online banking (awarded to 40 per cent. Of respondents) was last year three times more popular than in 2007. A similar dynamics in the case of selling goods or services via the internet (it did last year, according to Eurostat 16 percent.
Poles). The Council of Ministers adopted a regulation amending the Regulation on vocational training of young people and their remuneration, reported the Government Information Center (CIR). Since 1 September 2019. By 1 percentage point. They will be increased salaries of young employees undergoing vocational training in the form of vocational training, and employers will be able to apply for reimbursement of that increase. “This regulation provides the basis for greater participation of employers in the creation of incentives for young people this form of education and the restoration of the prestige of vocational training, steadily adjusted to the needs of the labor market.
In addition, the amended Regulation will be adjusted to changes in vocational education, which will come into force on 1 September 2019. ” – the release reads. Key solutions adopted: – young workers receive increases (generally a person between 15 and 18 years of age) taking place in the form of vocational training apprenticeship. – Compulsory increase will be 1 percentage point., And the salary of an adolescent is to be calculated as a percentage of the average wage in the national economy, so that was it: a) in the first year of study not less than 5%, ie. 247.55 zł ( currently a 4% or 198.04 zł), an increase of 25%; b) in the second year of not less than 6%, ie. zł 297.06 (currently 5%, or 247.55 zł), an increase of 20%; c) in the third year of not less than 7%, ie. 346.56 zł (currently 6%, ie 297.06 zł), an increase of over 16%. – Remuneration juvenile vocational training, held in the form of apprenticeship training for a particular job – will remain at current levels. It is not less than 4 percent. the average wage in the national economy for the previous quarter, ie. is currently 198.04 zł. – Increasing minimum wages for young workers during the apprenticeship is a consequence of the reform of vocational education. See also: The minimum wage in 2020. The amount of foregone wage increases “- The current level of rates of remuneration for young people undergoing vocational training in the form of vocational training makes it difficult for employers – in attracting staff, and graduates – in finding employment. – Salary increases for young workers employers will be reimbursed from the Labor Fund (particularly in 2019.
Funds expended by employers will be reimbursed from the Guaranteed Employee Benefits Fund). An employer who wants to take advantage of such refunds will have to submit an application to the Voluntary Labor Corps. July 2 am (h. 8:50), the euro had to be paid zł 4 homeworkmarket.2425, dollar cost zł 3.7570 Swiss franc 3.8030 zł, and the British pound 4.75 zł. Gold started the first week of July to the strengthening of the Swiss franc in the wake of the decline in risk aversion in the global markets, also strengthening slightly against the euro.
At the same time yesterday was profit-taking on GBP / PLN, after the pair tested the earlier semi-annual lows. About 2.5 gr while the dollar price has increased, which was a direct reaction to the fall in Monday trading the EUR / USD to 1.1288 at the end of the day of 1.1371. No impact on sentiment for Polish currency remained a June reading of the PMI index for the industrial sector in Poland, which showed unexpectedly fall to 48.4 points. with 48.8 points. in May, while expected to increase to 48.9 points. It’s just not surprising. As long as recessionary PMI readings are not confirmed a significant slowdown in industrial production, as long the data will be ignored. See also: Our banks have ceased to climb. We are far from the leaders »Holidays abroad will be cheaper” Today and tomorrow should be ignored while the outcome of the meeting of the Monetary Policy Council.
Council not only will not change interest rates, leaving the main of them at a record low of 1.50 per cent., But does not significantly change the message associated with that decision. You can expect June inflation acceleration in Poland to 2.6 percent. from 2.4 percent. Y / y in May, will be stamped as falling in the baseline scenario. The Council will continue to emphasize that in the coming years economic growth will be inhibited, so that the risk of a significant overshoot of the inflation target is low, which justifies further stabilization of interest rates in Poland. Positive sentiment on global markets continue to operate for the benefit of the zloty, but the decline in trading EUR / USD effectively discourages the further purchases. Therefore Tuesday at the domestic foreign exchange market should pass under the sign of small fluctuations and expectations of impulses from abroad.
Last year per hectare of agricultural land in private trading cost an average of 26.3 thousand. zł – according to data from the Central Statistical Office. That’s about 3.5 percent. more than in 2012. In previous years the earth drożała at express pace – even more than 20-30 percent. annually. Why the change? – The relatively small increase in agricultural land prices resulted, inter alia, with small increases in wheat prices a year earlier. And among the farmers it is they often decide the plans for enlarging the farm – says Monika Orłowska of BGZ. Grain in 2012.
Were more expensive only 4.2 percent. after the jump by 48 percent. in the previous year. – Therefore, in the last year consisted of farmers with less financial surplus, which limited their willingness to pay increasing amounts for the land – explains Orłowska. But that’s not all. Significantly decreased the demand for agricultural land, which inhibited the growth of their prices. – Last year, the farm had to develop the land, which bought before – says prof. Alina Sikorska from the Institute of Agricultural Economics and Food Economy. In addition, land prices are already high with us – since 2000. Increased more than 5.5 times.
As a result, two years is higher than for example in France or Sweden – in 2012. Hectare of land in Poland cost an average of 6080 euros, while on the Seine 5420 euros, and the country’s three crowns 5370 Euro. Still, the price of agricultural land in most of the old EU countries are much higher than ours, eg. For their hectare in 2012. You had to pay in the old federal states of Germany more than 22 thousand. euros, Italy 19.4 thousand., UK 18.4 thousand., and in Spain 9.7 thousand. euro. But in this respect, far ahead of all the countries of Central and Eastern Europe. For example, a hectare of agricultural land in 2012.
Slovakia and the Czech Republic cheaper than us about 2.4-2.5 thousand. euro in Hungary by nearly 3.8 thousand., in Bulgaria, about 3.3 thousand., and in Latvia by approx. 5 thousand. euro. There was another reason for the decline in demand in the transactions between farmers and the small increase in land prices in the private trading. Last year, the Agricultural Property Agency sold a record area of land belonging to the Treasury – more than 148 thousand. ha. Behind them hectare paid an average of 21.8 thousand. zł.
Although this 13 percent. more than in the previous year, but hectare of the land, however, was an average of 4.5 thousand. zł cheaper than in transactions between farmers. – It is obvious that the increased offer of state land and the lower the price farmers are willing to be bought than sold by neighbors who therefore could not clamber their prices – says Radoslaw Brodaczewski, advisor. Real estate in Lion’s House, which specializes in transactions on the land market. And even when the supply of private land is relatively small, because farmers reluctant to sell land because it brings benefits in the form of, among others, direct payments, which have arisen after the accession of our country to the European Union. For the same area of land they received in the past year more than 700 zł for hektar.zobacz also MdM drives sales, but without him willing missing for housing »How to buy an apartment, it is not to lose the” report OCCP: The buyer of real estate in the primary market they are better protected. The law needs to change developer »Real Estate: End of transaction on the side. Agent enforce commission “Last year there was a sharp increase in demand for land (as in previous years), even though fears occurring among farmers that zdrożeje she strongly after the 2016. Will be lifted restrictions on the sale of land to EU citizens – now the Ministry of Interior must have a permit to purchase land, although it is now an obstacle to the stakeholders who are buying land, acquiring shares in companies owning land. – These fears have not come true – says prof.
Sikorska. Because it does not have to think strongly increase in our purchase of land by foreigners. Indeed, they are a better choice – they can buy it in countries where land is much cheaper and much better climatic conditions, eg. In Bulgaria. If this scenario come true, disappointed those who bought the land with a view to its sale with a very large profit in the future. But probably will not lose, but earn less than they thought, because land prices may continue to raise the development of road infrastructure and housing construction.
This increases the attractiveness of the localization of many of the village. Land may also gain in value thanks to urban residents, who are increasingly moving to the countryside, where you build houses. Small is therefore likely that in the future, land prices will fall. The more that farmers can grow interest in purchasing it, if the profitability of agricultural production will increase. In many countries of the old EU agricultural land costing more than us Arthur Piechocki, legal adviser at Arthur APLaw Piechocki Source: Press Materials In recent months we have witnessed two serious consequences of cyber attacks.
In May, malicious software called Wannacry was used to carry out a massive attack on more than 200,000 computers in more than 150 countries in order to extort money for the recovery of encrypted data (ie. Ransomware attack). A few weeks later NotPetya virus has spread in more than 60 countries, once led ultimately to the loss of part of the data by a number of organizations (ie. Wiper). Attacks of this type have already been carried out, but what distinguishes the past from earlier, is certainly the rate of spread of the virus, the international scope of its impact, and the scale of financial losses and image of companies around the świecie.Rozmiar and effects of the two attacks resulted in no doubt on increasing awareness of many organizations in terms of the increasing risks associated with cyber attacks. This effect is also seen among law firms, which was influenced mainly NotPetya virus attack on one of the leading international law firms. They fell victim to this office branches around the world, and in order to prevent further spread of malware was necessary to disconnect from the network for a long time all phones and computers.
Daniel Siciński, trainee solicitor in Arthur APLaw Piechocki Source: Press Materials Increased risk for kancelariiPowyższy attack was not the first of its kind conducted on law firms. In fact, worldwide offices regularly fall victim to cyber attacks similar and much smaller scale. In recent years, the number of attacks is increasing. Often, firms are not even aware that they have fallen victim. The vast majority of attacks is called. phishing.
Criminals send to the office so mail messages with malware hidden in the attachments or links, hoping to open it by uninformed customers and thereby gain access to confidential information with high market value or extortion ransom for returning data. Equally often appear fake messages intended to extort information or giving false information to przelewu.Nie be expected to reverse the trend of the above, but rather its strengthening. Law firms are in fact a very attractive target for criminals attacks due to the nature and the amount of data is not processed by customers. Criminals may in particular seek to gain access to information subject to business secret, confidential information, intellectual property, documentation of the transaction M & A or other classified information. In this context, the risk of losing or disclosure of such information is particularly high because of the liability arising from confidentiality agreements, and provisions providing for the obligation to maintain the confidentiality of all kinds of information (eg.
The mystery of lawyers, attorney, banking or telecommunications) .See also: computerization of the bureaucracy as combining water with oil.
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