Of this feature follows the main advantage of insurance savings in comparison with other methods of storage (such as bank deposits) along with certain investment opportunities policy gorantiruet and insurance protection. In addition to life insurance (in case of death of the client before the expiration of his insurance, the heirs are not only made the entire amount accumulated s, but a lump sum of insurance coverage, and very substantial) the contract may include additional protection against other risks, such as the risk of disability. This means that if during the period of the contract customer for any reason is not capable of work (say in an accident) and no longer able to pay the premiums, the company undertakes to pay insurance premiums. This condition is particularly interested in the family If only one breadwinner. However, it is worth remembering that the inclusion of additional services will increase the cost of the policy. A significant advantage naopitelnyh insurance is their freedom from taxation: payments under voluntary life insurance (five years or more) are not taxed on income (but only if the contract does not uslovyya provide for periodical payments during the first five years) Income from bank deposits is in excess of the rate taxed refenansirovaniya (p.2 st.224 Tax Code).
Frequently among long-term disadvantages of life insurance called the low level of profitability. Indeed, compared to bank deposits, which offer 7-11% per annum on deposits in foreign currency, investment income on insurance policies is less attractive (3-8%). Interest rates are low primarily because the life insurance – is a long financial product, expected for ten – twenty years or more. Assess the return on investment for such a long time is difficult. In fairness, we note that the only means to assume depozty krastkosrochnyh vlazheny would be a mistake. Indeed, banks enter into contracts for a shorter period than the insurance companies, but by its end You can roll over the deposit agreement, although sometimes at lower potsent on dogosvoru.
Three hundred nurses and more than 500 doctors are leaving South Africa each year. 4% Of African doctors emigrate after graduation, and 75% in the first decade as medical graduates. These are the latest data offered within the report on the State of the world children 2008 of Unicef. Most of these doctors choose Europe and North America as destinations for exercising their profession. Those who migrate to Europe make it to United Kingdom where already more than one third of the workforce is foreign. Meanwhile, in their countries of origin the number of qualified medical personnel is far below what is necessary.
You have from three to nine doctors per thousand population as it happens in countries such as Ethiopia, Somalia, Cameroon and Zambia, determines values such as maternal mortality or the mortality of children under five years to grow to alarming levels. These countries are trying to supplement the low rate of doctors with volunteers but the role of these is complement the work of the doctor, not be converted in doctor. There are three factors that determine the lack of health personnel in these areas. The first factor is the mass migration of doctors and nurses. The main problem is foreign migration to other more developed countries, but there are other types. They are cases of internal migration from rural to urban areas, from the public sector to the private sector and even the health sector to other sectors. The causes for those who migrate are similar in all countries.
Insufficient remuneration, rigid schedules, difficult working conditions or lack of supplies to carry out its work with guarantees. Another negative impact of migration is that professionals who migrate are often the most qualified, in which Governments invested more money in their training and professional development. The second factor is AIDS. In sub-Saharan Africa, the disease, due to its extended extension has caused thousands of deaths also among health care.
About life in Switzerland (the ancient name of Helvetia) can be generalized to say: live there in different ways. But all lives – good. About many, perhaps, suggests at least the fact that the small alpine country with eight millionth population in the five richest countries in the world. To comfort the Swiss moved without too much haste. But persevere. More than seven centuries ago, the citizens of three picturesque valleys – Uri, Schwyz and Unterwalden – an alliance of mutual assistance.
In the centuries that followed they were joined by a number of areas (the current prototypes of the cantons) and the individual cities. Such a union existed until 1848. In fact, there was, so to speak, the final, official 'Execution' of the current single federal state – the Swiss Confederation (HQ). Had missed in its history, any major revolutions and upheavals. And what is – in detail – today's Helvetia? It would be necessary to list a lot.
Known by its people Alps impeccable cheese and chocolate. Thanks to the clock, the accuracy of which is proverbial. Thanks to banks, which accumulate huge fortunes. Through high-tech exports, marked the image of William Tell crossbow. Well-oiled machine-wide (and about local issues – in the cantons) referendum is also one of the most remarkable features of the Swiss way of life. They joke that, they say, are surprised when we have time yet to work. Sometimes it is typed in by a half-dozen to any plebiscites. There are themes that appear several times, reflecting changes in the society. Repeatedly, for example, raised the issue in HQ on road tax. The prevailing solution still remains valid today. That is mandatory tax on the use of motorways. These things legislatively confirmed by parliament. He, incidentally, has a peculiarity: the members of both chambers combine their activities with their main job. Some of the 'subjects' in their re-staged show consistently increasing preponderance supporters of a decision. Such happened with the new law on marriage and inheritance, where the discussing women's rights were. While opponents and managed to secure regular surveys, they had to admit that the majority of Switzerland today – to ensure better protection of women and empowerment. I want to call and 'The UN issue. " Most of the Swiss always holds: Because their country is committed to the principle of neutrality, for They remain useful beyond the membership of the United Nations. However, the situation in nuance. Switzerland does not enter the UN, but working in a number of UN podorganizatsy and commissions, appears to mediate settlement of international conflicts and incidents.