INSURANCE Insurance- is protection against possible ginance losses Insurance premiums- regular payments, that individuals, comp and org can make. Insurance policy- a contract with insurance company. The contract promises that the company will pay if you suffer loss on damage to property , or sickness or personal injury. Insurer- is a insurance company. You make a contract with. Insure against- to protect you from.. . *theft- someone stealing their goods or possessions(omamine, haldus) * damage from fire or other natural disasters (floods, hurricanes, earthquakes) Make a claim- if the property is stolen or damaged, the perso who is isured makes a claim- reguests compensation - from the insurer. Indemnify or compensate- hüvitus- to pay an amount of money equivalent to the loss. Equivalent- võrdväärne
ERLE MAIDO 155635TAAB11 21.09.2015 Laste hind ja väärtus 1. Milliste muutustega ühiskonnas on seotud lastele omistatud väärtuse teisenemine ajaloolises perspektiivis? Tooge vähemalt 3 näidet loetud tekstist. 18. sajandil tervitati vastsündinud last “talupoeglikus” Ameerikas kui tulevase töö tegijat, kes oli oma vanematele tuleviku kindlustuseks. 19. sajandi keskpaigaks muutus laps “linna” keskklassis ökonoomselt mõttetuks. Rahaliste hüvitiste asemel muutus tähtsaks laste haridus. Töölisklassi laste väärtus kasvas edasi. Järsk industrialiseerimine tutvustas lastele uusi tegevusalasid ja 1870. aastaks oli iga kaheksas l...
What I am talking What is mortage insurance? Private mortgage insurance Pros and cons of private mortage insurance How to get rid and avoid private mortage insurance? What is mortage insurance? Mortgage insurance (also known as mortgage guaranty) is an insurance policy which compensates lenders or investors for losses due to the default of a mortgage loan. Private mortgage insurance insures the lender down payments are below 20% rates 1.5% to 6% rates paid in a single lump sum, annually, monthly payments tax-deductible(maksustatavat tulu vähendav kulu) Private mortgage insurance types Lender-Paid Private Borrower-Paid Private Mortgage Insurance Mortgage Insurance (LPMI) (BPMI)
Elukindlustuse sihtgrupp • Vabatahtlik kindlustus • Suunatud juba noortele • Isikutele, kes taotlevad suuri laenukohustusi • Alaealiste laste vanemad Eestis tegevusloa alusel tegutsevad elukindlustusseltsid • AS SEB Elu- ja Pensionikindlustus • www.seb.ee • Aktsiakapitali suurus 3 003 847.48 EUR • Indrek Holst - Juhatuse esimees • Aktsionärid - SEB Trygg Liv Holding AB 100 % Compensa Life Vienna Insurance Group SE • http://www.compensalife.eu/EE/front. asp • Aktsiakapitali suurus 3 003 847.48 EUR • Olga Reznik - Juhatuse esimees • Aktsionärid- VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe 100% Mandatum Life Insurance Baltic SE • http://www.mandatumlife.ee/ • Imre Madison - Juhatuse esimees • Aktsionärid- Mandatum Life Insurance Company Limited 100% Swedbank Life Insurance SE • https://www.swedbank.ee/about/financ
Water taxi to the resort and to Third level the airport Fourth level Private beach Fifth leve Travel agent services Extra payments: Visa,if needed Travel insurance Pension Bounty Bed & Breakfast 1 Click to edit Master text styles Second level · Walking,fishing,swimming,sun Third level bathing,boating,canoeing,divin Fourth level g,kayaking biking,
incomes. Proportional- tax that is imposed at a fixed rate. Regressive tax- (direct taxes are usually) people with a lower income pay a proportionally greater part of their income than people with a higher income. Indirect taxes are slightly regressive- people with a lower income pay a proportionally greater part of their income than people with a higher income. Avoid tax on salarys? Instead a taxable money, some employers give staff advantages such as company cars, and free health insurance. Avoid tax on company profits? To register your companies head offices on tax haven. Tax evasion- illegal method to minimize your tax burden. Do not declaring your income, or reporting it inaccurately(ebatäpselt). Money laundering is the process of creating the appearance that large amounts of money obtained (hangitud) from serious crimes, such as drug trafficking or terrorist activity, originated from a legitimate source.[1] It is a crime in many jurisdictions with varying definitions
Long-Term Nursing Clinic There are four departments in Long-Term Nursing Clinic: Departments of Geriatrics, I Long- Term Nursing Department , II Long-Term Nursing Department and Department of Patient without Medical Insurance. The head of Long-Term Nursing Clinic is Jüri Ennet, the head of Long-Term Nursing Centre is Raivo Kolle and the head nurse of Clinic is Silvia Petrova. Offering long-term nursing care in Estonia is becoming increasingly more important due to the aging of the population. More attention is being paid to how patients cope and this requires close cooperation and communication between the patient, their next of kin, hospitals and national social welfare.
Kasutamine We use the zero conditional to talk about something that is a general truth or fact (if= every time). ÜLDTÕED JA FAKTID. Sündmused, mis alati viivad samade tulemusteni. If the temperature is below 0° C, water freezes. Moodustamine: If + lihtolevik , + lihtolevik TINGIMUS TULEMUS If you heat water to 100° C, it boils. If you own a car, you have to pay for insurance. Laused võib ka ümber pöörata SEL JUHUL EI OLE KOMA: Water boils if you heat it to 100° C. You have to pay for insurance if you own a car. Tingimuslaused: FIRST CONDITIONAL Kui sa teed x, siis suure tõenäosusega juhtub y. Kasutamine We use first conditional to talk about REAL POSSIBILITY. Tingimuse täitumine on reaalne ja tõenäoline (aga mitte 100% fakt). Moodustamine: If + lihtolevik , will/won't + tegusõna algvorm
company offers a fast service, usually while the customer waits. It is a British company. Mc Donald s is the world s largest hamburger restaurant company. It isa n American company and is committed to serving high quality food. First-Direct is a bank and offers a range of services. It is a British company and offers its customers 24 hours telephone banking Sony is a Japanese company which manufactures electornic and hi-fi equipment. It also operates in the music sector and insurance. There are usually several different deparments in a company. They all need to work together t omake the company successful. Companies offer products or services to the consumer. Product development is a key activity. Companies develop new products and launch them on the market. They want to stay competitive. It s essential to advertise the product. LVMH is a luxury goods group, whose products include wines and spirits, fashion and leather goods and fragrances and cosmetics
apartments like that are expensive and I have to get a loan. I decided that I will take the loan from Swedbank, SEB or LHV, because they offer a loan, that has better conditions. So, let’s hope that I have gathered very much money – around 500 000€. My dream apartment costs around 750 000€ – so I have to get 250 000€ from bank. I think that Swedbank has the best offer, because you can choose interest by yourself and what is more important – you can get the insurance too, other banks don’t offer that. I have to have certain salary – at least 600€. Fortunately, when I’m 25, my salary will be four times higher. So, my plan is to get an apartment, that has very good view, I will take a loan from swedbank and also get home insurance from there. I will pay it back to the bank for 15 years, 1958€ + % per month.
68. on the basis of a will (testate) testamendijärgne 69. pursuant to law (intestate) seadusjärgne pärimine 70. bequeather pärandaja 71. non-contractual obligations lepinguvälised kohustused 72. deception (deceit) act of deceiving someone in order to make money 73. in good faith in an honest way 74. to ratify to approve officially (sth which has already been agreed) 75. incur to make yourself liable to 76. maturity time when an insurance is due to be paid out (sissenõutav) 77. mandate authority given to a person or group of persons authorising and requiring them to act on behalf of the person giving the authority 78. voidable which can be made not legally valid or not having any legal effect 79. building lease = right of superficious hoonestusõigus 80. pre-emptive right ostu-eesõigus (right of first refusal to purchase sth before it is sold to someone else) 81. right of security pandiõigus 82
Silbi alguses ja lõpus saavad esineda ainult kaashäälikud. Lühikesel silbil Sales rep müügiesindaja. Accountant - raamatupidaja. Finance rahandus. Department puudub lõpp ja tuumas on üks täishäälik. Pikad silbid on need, millel on osakond. Company ettevõte. Receptionist administraator. Occupation elukutse. olemas silbi lõpp või mille tuumas on kaks täishäälikut. Silbipiir läheb Insurance kindlustus. Division jaotus. Conference konverents, nõupidamine. geminaatsulghäälikuga sõnades geminaadi liikmete vahelt. Eesti keeles Manufacturing tööstus, tootmis. Deputy asetäitja. Arrangements ettevalmistused, on rõhu ülesandeks tähistada sõna algust. Kõnetakt on keele väikseim korraldused. Section osakond. Industry tööstus. Assistant Manager abijuhataja.. I am rütmiüksus. Häälikupikkus ja välde on erinevad nähtused
corporates. Furthermore, countries can not be forced to aim for lower fixed ratios if their economic policy is geared towards attracting international investments, and in reverse case, if not following all of the proposed options, some new forms of double taxation may arise. As indicated in the 2015 Final Report, two additional papers have been prepared since then: Discussion Drafts on Group Ratio Rule and on Banking and Insurance Sectors. These two lines of work had been identified for a separate analysis. For group ratio rule, the definition of a group needs to be followed consistently across tax administrations of different jurisdictions. Also, as it is needed to determine the group’s net third party interest/EBITDA ratio and thereafter apply the group’s ratio to an entity’s EBITDA, these may not be so straightforward to calculate. Therefore, applying the group ratio rule effectively raises a number of
FOB (Free On Board) Laadimissadam määratud, kasutatakse meretranspordi puhul, müüja kohustused lõpevad, kui kaup on laaditud laevatekile, müüja kohustuste hulka kuulub kauba ekspordi tollivormistus. CFR(Cost and Freight) Laadimissadam sihtpunktis määratud, kasutatakse meretranspordi puhul, müüja kohustused lõpevad, kui kaup on sihtsadamas laevatekilt maha laaditud, müüja kohustuste hulka kuuluvad kauba ekspordi tollivormistus ja transport kuni sihtsadamani. CIF (Cost, Insurance and Freight) Laadimissadam sihtpunktis määratud, kasutatakse meretranspordi puhul, müüja kohustused lõpevad, kui kaup on sihtsadamas laevatekilt maha laaditud, müüja kohustuste hulka kuuluvad kauba ekspordi tollivormistus, transport kuni sihtsadamani ja kindlustuslepingu sõlmimine ostja kasuks. CIP (Carriage and Insurance Paid To) Laadimiskoht sihtpunktis määratud, kasutatakse kõikide transpordiliikide puhul, müüja kohustuste hulka kuuluvad transpordi korraldamine ja selle eest
When people buy shares then they are invested in that company. 22. disability allowance goverment benefit offered to people who have a disability 23. child benefit Benefit offered to families who have more than three children PAY AND BENEFI TS 1. salary payd to white-collar jobs 2. wages payd to blue-collar jobs 3. time-off benefits Benefits you resive when you need to leave from work, becouse you are sick or you need a pregnacy leav. 4. Insurance - Life insurance- attractive to people with families. Private health insurance or disability insurance. 5. pension money you reasave regulary, at a point of age you cant work any more 6. workers `compensation offered by company when you have a work realated accident 7. fringe benefits Benefits offered by companis that are from theire own will, these benefits are not aquired by law. 8. Remuneration money erned by a peson, an organization or a country, Payment
11. Analyse a population pyramid (what stage was in 2000?). Vastused 1. People born and die every second and there is also the problem of migration. 2. Birth rate is very high (10-12 children per family), death rate is also high ( no healthcare). Moral traditions; no healthcare; work labour; 40 years (age). 3. Education was made compulsory; prohibition of children's work; the spread of women's wage work; new insurance system. 4. 1-3 children per family; BR- low, DR low, demographic crisis (BR=DR) 5. . 6. Sub-employment (no fulltime jobs, casual labour(juhutöölised]; hidden-employment; marginal population (latin America, not black Africa. Big cities, better future) 7. The balance of migration is the discrepancy between emigration and immigration. Developed countries (EUROPE): started in the 15th c and peaked in the 18th c. 40% is children
Most adults have a bank account. The current account is for general expenses but some people also have a deposit account by which you can earn interest on your money. You can take money out of your bank account by using a cash card. When you use a credit card, you arrange to pay at later time. The main commercial bank offer bank loans for individuals or small businesses. Merchant bank deal with company finance on a larger scale. Banks also offer services such as mortgages, insurance, and buying and selling shares and foreign currency.
The City and The Tower of London Styv Solovjov G1a The City Founded by Romas 43-50 AD, set up trading post It has seen at least 15 major fires 1666 burnt down 4/5 of its houses Then The City was rebuilt Tower Bridge (Tower Hill tube), built in 1894 during the Second World War, its was heavily bombed Now there is one of the biggest financil centres in Europe Banks, stock exchange Many banking and insurance institutions have their headquarters there Stock Exchange, Lloyd's of London,the Bank of England are all based in the City Over 500 banks have offices in the City City is an established leader in trading in Eurobonds, foreign exchange, energy futures and global insurance Of the $3.98 trillion daily global turnover, trading in London accounted for around $1.36 trillion,or 34.1% of the total Canary wharf Click to edit Master text styles Second level Third level
To: Mirtel Ola From: Mary Pihlak Work provider Worker 20th October 2005 Accident to Mary Pihlak As requested I have looked into the circumstances of the accident that happened to Mary. I understand the purpose of this report is to ascertain whether she can claim the insurance company for the injuries she received. Cause of accident When Mary ran down the stairs, then stumbled and fell down. Result of the accident Mary broke his arm falling from a result of the, and then fainted. Injuries incurred Mary could not speak and move, because it was a great shock. tablets and injections to reduce Mary pain. Mery was taken to hospital where she underwent immediate surgery. Conclusion Going down the stairs to be sure to keep in mind that you might fall.
Fourth level Fifth level Wirtschaft Die Schweiz gehört zu den wohlhabendsten Ländern der Welt. Gemessen am Bruttoinlandprodukt rangierte die SchweizWettbewerbsfähigkeit von Ländern misst, rangiert die Schweiz auf dem ersten Platz vor den Vereinigten Staaten und Singapur. Die Banken Die wertvollsten Marken aus der Schweiz sind laut Interbrand: Nescafé (Nestlé), Credit Suisse, UBS und Zurich Insurance Group. Sehenswürdigkeiten Chateau de Chillon Schloss Matterhorn Berg Zurichi Aletschi Gletscher Lugano Danke für Ihre Aufmerksamkeit
13 Wexford Grove Tamford. th 25 January, 2008 California Investments, Inc. 25 Sacramento Street San Francisco. Dear Mr. Weatherby, Thank you for taking the time to discuss the insurance broker position at California Investments, Inc., with me. After meeting with you and observing the company's operations, I am further convinced that my background and skills coincide well with your needs. I really appreciate that you took so much time to acquaint me with the company. It is no wonder that California Investments retains its employees for so long. I feel I could learn a great deal from you and would certainly enjoy working with you.
236 income tax tulumaks 237 income year rahandusaasta 238 industrial goods tööstuslikud kaubad 239 inequality ebavõrdsus 240 inflated prices üleskruvitud hinnad 241 inflation raha väärtuse langus 242 informal mitteametnik 243 innovation uuendus, innovatsioon 244 insufficent puudulik 245 insurance kindlustus 246 insurance agency kindlustusselts 247 insurance contract kindlustusleping 248 interest rate intressimäär 249 intermediary vahendaja 250 international debt välisvõlg 251 international monetary fund Rahvusvaheline Valuutafond 252 international trade rahvusvaheline kaubandus 253 investment fund investeerimisfond
Dear Sir/Madam I'm writing to ask for more information about the 'Swedish Dream' holiday which i saw on the internet. Me and my friends are very interested in Sweden and would like to go on this holiday but we would like to ask some more things about the trip. Firstly, i would like to get some more information about the hotels and the cities we are going to visit. I was also wondering if there's going to be a tour guide to talk about the history of Sweden. Could you tell me more about these things? Secondly, I am a little bit worried about my health. Could you send me information about the diseases and health risks in this country, just in case. And i was also wondering if the health insurance is included? I would also like to know if pets are allowed in the hotels as my friend is having dog allergy. Thirdly, it's said that the price includes everything except the museums. Could you possibly tell me how much money is needed for these mu...
ELUKINDLUSTUS TOOTE LÜHIKIRJELDUS Elukindlustus on kindlustuse liik, mis tagab kindlustatu surma korral toimetuleku- ja valuraha kindlustusvõtja poolt nimetatud isikule ja/või võimaldab sääste koguda. Elukindlustus pakub nii sulle endale kui ka sinu lähedastele rahalist kaitset. Kui kindlustusjuhtumit lepingu jooksul ei toimu, ei pea selts raha sulle või lähedastele välja maksma. SIHTGRUPP Elukindlustuse sihtgrupp on inimesed ja nende lähedased. Elukindlustuse mõte on pakkuda rahalist kaitset sinu lähedastele, kui sa ootamatult kas haiguse või õnnetusjuhtumi tõttu sured. MILLIST VÄÄRTUST SEE TOODE KLIENDILE PAKUB? Tavaliselt sõlmitakse elukindlustusleping selleks, et tagada sinu nimetatud soodustatud isikule sinu surma korral toimetuleku- ja valuraha. Lepingut sõlmides lepitakse kokku elukindlustussumma suurus ja kindlustusperiood. Kui sinuga lepingu kehtivu...
Veokorraldus ja ekspedeerimisäri SRÜ riikides (loeng IX) Põhjused, miks SRÜ riikidega antud äri tehakse : Tegemist on meie lähiregiooniga • Meil on ajaloolisi sidemeid riikide tasemel • Meil on tihedaid sidemeid üksikisikute tasemel • Eesti kui „sillapea“ Lääne – Euroopa ja SNG vahel • Kriis ja/või revolutsioon on alati võimalus uueks äriks Veotellimuse elukaar: SRÜ riigid vs Eesti • Üldine koostööleping • Tellimus (email, faks) pitsatiga!!! Vajalik originaalallkirjad • Transpordi(liigi) valik, tähtajad jne. • Dokumentide eelkontroll (eeldeklaratsioonid, ekspordideklaratsioonid jne) • Laadimine • Piiriületuse vormistus (tir/transiit) • „Spravka po transportnim rashodam“ – transpordikulude eelteade • Tollivormistus • Laialivedu • Arve + „akt vipolnennih rabot“ + CMR EESTI • Tellimus, online • Laadimine • Laialivedu + arve või v.v Takistavad tegurid: bürokraatia, korruptsioon (toll!), kultuurilised erip...
Sonkajärvi, Finland. Rules The wife to be carried may be your own, or the neighbor's, or you may have found her further afield; she must, however, be over 17 years of age. The minimum weight of the wife to be carried is 49 kilograms. If she weighs less than 49 kg, she will be burdened with a rucksack containing additional weight to bring the total load to be carried up to 49 kg. Each contestant takes care of his/her safety and, if deemed necessary, insurance While the International rules are the basis for all competitions Equipment The only equipment allowed is a belt worn by the carrier and a helmet worn by the carried. Prize for winners The prize to the winner is a mobile phone, and more importantly they also win their wife's weight in beer. Kasutatud kirjandus https://en.wikipedia.org/wiki/Wife-carrying#Rules http://www.wonderslist.com/top-10-unusual-sports/ https://www.google.ee/search
Income taxes in most countries are progressive. Estonia has had so far a flat tax rate which is quite unique in the world. The problem with progressive taxes is that the marginal rate- the tax people pay on any additional income - is always high, which is generally a disincentive to both working and investing. The higher the tax rates, more people are tempted to cheat. Some employers give highly paid employees lots of perquisites such as company cars, free health insurance, and subsidized lunches. Taxation Act in Estonia was passed in 2002. Taxes are divided into direct and indirect taxes. Direct taxes are income taxes, gambling tax, land tax, social tax and heavy goods vehicle tax. The income tax rate in Estonia is 21% and social tax rate is 33%. In 2000 a corporate tax reform took place in Estonia. The goal was to accelerate economic growth and make additional funds available for investment and the idea is that the moment of taxation of corporate income tax
I spent it on food. 2. 1) The things you want most in life, don't cost anything. You cant buy feeling like happiness or love. 2) Money doesn't fall from the sky.- Money has to be earned and worked for. 3. I would invest it and buy items that i like. I would buy a house and a car . Some of it i would give to my parents for taking care of me for 17 years. Most of the money i would invest in property and gold so i'd have insurance for the future. 3. Enough money to buy what you need, makes a pleasant shopping experience. 4. No. Beacuse i know what i like best not what others like.
barons....? Do you think everybody should be trained to use computers? Do you think that public sector workers such as teachers, doctors, nurses and fire fighters should be allowed to strike? Do you think that the young have anything to learn from the elderly and vice versa? Would you consider sending your child to a grammar school? Would you ever consider taking out private health insurance? 1.2 OR Questions Are you for or against self-sufficiency? Would you prefer your child to be educated privately or by the state? Would you rather go to a mixed or single-sex school? Which should be the official world language - English or Esperanto? 1.3 WH Questions What do you think of fox hunting? What do you think of British food? What do you think of package holidays?
Suorce: ECB, (http://www.ecb.europa.eu/mopo/eaec/intermediaries/html/index.en.html) 2 Banking and other institutions (Molyneux, Altunbas et al. 1996), (types of ..., depository (savings), contractual savings, investment, retail, universal, ..., management of financials, Other financial institutions (OFIs) are for example insurance corporations, pension funds, financial auxiliaries, mutual funds, securities and derivatives dealers and financial corporations engaged in lending. For statistical purposes the OFI sub-sector is defined in the ESA 2010 2 as a corporation or quasi-corporation other than an insurance corporation and pension fund that is engaged mainly in financial intermediation by incurring liabilities in forms other than currency, deposits and/or close substitutes for deposits from
Finland judicial system Roadmap Finnish judicial system General courts Administrative courts Special courts Lay judges in Finland The Finnish judicial system consist of: ● Courts ● Prosecution service ● Enforcement authorities ● Prison and probation service ● Bar Association General courts 1.District Courts 2.Courts of Appeal 3.Supreme Court District court ( Finnish: käräjäoikeus) 27 district courts Criminal cases, civil cases and petitionary matters Chief Judge and District Judges Courts of Appeal 5 courts Chief Justice and Senior Justices Appointed by the president The Supreme Court Helsinki President and 18 justices Function is to rule on important points of law Gives advice to President and Ministry of Justice Administrative courts Regional Administrative Court 8 courts The judicial oversight of administrative acts is the task of the administrative courts. Cases like land use, buildi...
Väärtus kõikus. 2) Üle 7300 panga 3) Ühe keskpanga asemel on riigis 12 föderaalreservi panka 4) Föderaalreservi ülesandeks on juhtida riigi raha pakkumist läbi rahapoliitika 5) USA investeerimisinstitutsioonid mõjutavad terve maailma majandust (Lehman Brothers) 6) Kindlustused ja pensionid on reguleeritud osariigi poolt. Allikate loetelu The economics of money, banking and finance : a European text; Peter Howells, Keith Bain; 2008. (104124) Federal Deposit Insurance Corporation koduleht: http://www.fdic.gov/ MoneyMatters101 : http://www.moneymatters101.com/money/usmoney.asp Lehman Brothers Holdings Inc.; NYTimes koduleht : http://topics.nytimes.com/top/news/business/companies/lehman_brothers_holdings_in
▪ Completed on May 20, 1930 ▪ The added height of the spire on top allowed it to surpass 40 Wall Street as the tallest building in the world ▪ SAFETY ▪ 3,000 construction workers ▪ ▪ Outstanding safety record - Zero fatalities - Rare for time period ▪ ▪ Due to the new phone system ▪ COMPETITION FOR "WORLD'S TALLEST BUILDING" TITLE OWNERS ▪ Walter P. Chrysler, Chairman of the Chrysler Corporation ▪ Sol Goldman and Alex Di Lorenzo ▪ Mass. Mutual Life Insurance Company ▪ Jack Kent Cooke, a Washington D.C. investor ▪ Tishman Speyer Properties (25%) and TMW Real Estate Group (75%) ▪ CURRENT USE ▪ Offices occupied by various industries ▪ An assortment of retail stores are located throughout the building ▪ Lobby is open to the public ▪ Observation deck (closed) ▪ Cloud club (closed in 1979) ▪ EXTERIOR ▪ Black Granite Entrance ▪ ▪ 61st Floor Eagles ▪ ▪ Hubcaps ▪ ▪ Hood Ornaments ▪ INTERIOR
As the company developed and services increased, Deloitte Touche Audit was founded on 2000. The offices in Estonia, Latvia, Lithuania and Poland are the part of Deloitte Central Europe. This gives an opportunity to serve clients in each country as they operate and provide services as a united package for panBaltic companies. Deloitte Estonia has rapidly grown in recent years together with the expanded client base. Clients are well known enterprises in banking, insurance, production, infrastructure, energy, real estate, service, whole sale and retail sector as well as public sector. Any questions?
Unit 1. The ways of working. Commute-edasi-tagasi liikuma,pendeldama Employee-töötaja Employer-tööandja Flexible-paindlik Freelance-vabakutseline Intention-kavatsus Mill-vabrik Premises-valduse,territoorium Replace-asendama,välja vahetama Restriction-piirang,kitsendus Shift-vahetus Flexible working hours-paindlik töögraafik Flexitime-paindlik aeg Teleworking-kaugtöö Job share-töökoha jagamine (works in a bank job share) Career break-tööpaus,palgata Long hours culture-ületundide tegemine To keep in contact To go freelance Work shifts Working part-time – osaline tööaeg Have my career –käia tool Cut back-kulusid vähendama Short-term – lühiajaline (almost all on short-term contracts) Come in from school-koju tulema By e-mail,fax,phone Renew her contract for another 3 months Kas sulle meeldiks töötada osalise tööajaga? Would you like to work part-time? Teie lepingut uuendatakse veel 6 kuuks. Your contract will be renewed for another 6 mon...
Gloves kindad Dusty tolmune Goggles kaitseprillid Solvent lahusti Dust mask tolmumask Protect kaitsma Ear protectors kõrvaklapid Overalls tunked Ladder redel Bucket ämber Scaffolds/scaffoldings tellingud Yard aed Garbage prügi Toolkit tööriistkomplekt Insurance -kindlustus Waste jääk Catch fire põlema minema Safety equipment · Now add your own ideas about safety equipment for cabinetmakers. Add at least 5 ideas.
Klassitsistlik arhitek. LääneEuroopas(1718 saj. Prantsusmaal) Iseloomulikud tunnused:1)rangemad ja lihtsamad vormid; 2)pööratakse tähelepanu ilule ja monumentaalsele fassaadile; 3)eeskujud võetakse antiikarhitektuurist. Ehitusnäited: Madeleine kirik Pariis; Tähe triumfkaar; Vana Muuseum Berliinis; Brandenburgi väravad. XIX saj. arhitektuur. Raua ja terase sajand. Ehitusnäited: Coalbrookdale sild(1781); Home Insurance Building(1885); Kristallpalee(1851); Eiffeli torn(1889). Iseloomul.tunnused: 1)raudbetoon;2) historitsism (ajalooliste stiilide matkimine XIX saj.2.pole arhris) 3)eklektika(erinevate ajalooliste stiilide mehaaniline ja põhimõttetu liitmine). Sõnad: industriaalne tööstuslik; pseudovale. Juugendstiil LääneEuroopas. Tekkis Saksamaal XIX saj. lõpul. Iseloomulikud tunnused: 1)tunduvalt vabam kompositsioon 2)kasutatakse valdavalt looduslikke ehitusmaterjale 3)rõhutatakse uudseid dekoratiivseid motiive ja ornamente. 4)tä...
day their health becomes strong and when human body is trained and strong, then it is strong against illness. On the other hand, travelling by car isn't so good and healthy as it seems. Some people don't even know that cars are one of the biggest nature and air polluters, cars are the major producers of carbon dioxide. Also cars are very expensive compared with walking, you need to buy a car and then regularly fill the car with petrol, what costs a lot of money and then there is the insurance and so on and on. But when you are walking you don't need to waste money and you can enjoy the beautiful weather. To sum up the whole story, there is no correct answer, which is better, travelling by car or walking on foot. In each travelling ways there have their pluses and minuses, when you want to travel long distance you better take a car and when you want to be healthy and save the nature you better walk. When you don't like
The acid rain slowly eats away them all. Building materials crumble away, metals are corroded, the colour of paint is spoiled, leather is weakened and crusts form on the surface of glass. Economic effects Acid rain causes more acidic water, which might kill the fishes. This would effect the fisherman, who would not get enough money, therefore less money would be spend and economy would be affected. Acid rain= damaged buildings=claims on insurance = less money for insurance company and there for effecting the economy. Political effects Acid rain can cause political tension between countries, good example is Canada and Usa. The goverment has to make öaws to battle the gasses for example taxing factories for using gasses. Bad faming= less expore Solutions Clean the smoke coming from smoke stacks on factories using scrubbers Design cars that make cleaner emissions Use less fossil fuels, such as coal, for power
1. To be in dept Osakonnas olema 2. To owe võlgnema, võlgu olema 3. To lend laenama, laenuks andma 4. To borrow laenama, laenuks võtma 5. The stock market aktsiaturg, börs 6. To invest investeerima 7. Shares aktsiad 8. Profit kasu, kasum; tulu 9. Loss kahju 10. Tax hinda v. kulu määrama 11. Inflation inflatsioon 12. Insurance kindlustamine, kindlustus 13. A fine trahv 14. A pension pension; abiraha 15. A sale turustus; oksjon; odav väljamüük 16. A bargain (kauba)tehing; allahinnatud kaup, allatingitud kaup 17. To inherit pärima, päranduseks saama 18. An heir pärija
Once a solution is found we will have fewer worries and possibly a true free market. These are very difficult problems to stop and may never be stopped. It will take a long period of time to begin the process to bring it to an end, but it will be nice to maybe some day have a true free market without the problem of a free rider. 7 Freeriding Problem on Public Transport Freeriding insurance United we stand strong! "P-kassan" the freeriding insurance is a cooperation between people in similar situations. We do not afford the fare or do not want to pay it. You pay a small amount to the fund and if you get caught freeriding your bill is payed. The idea of this insurance is not new. It has been tried before and for quite some time, especially by students in the university cities, and has worked well even though in a small scale. The
for travellers who import goods with them on return from abroad. Full details of those Reliefs are available in the Baggage Control and Examination Manual and in the Information leaflet for Travellers arriving in Ireland from non-EC Countries who are importing goods purchased for personal use. Definitions Throughout this instruction the following definitions apply: · Customs Value: This is the value of the goods plus insurance and freight (which includes postage) costs (CIF value). · Intrinsic Value: This is this is the value of the goods alone, and does not include insurance and freight. 2. LAW Provision for relief from payment of Customs Duty in respect of consignments of negligible value and gift consignments is made under Article 868 of the Customs Code Implementing Provisions. 2.1 Customs Duty: Council Regulation (EC) No. 1186/2009, setting up a Community system of reliefs
Likewise, strikes among teachers can severely disrupt the education of our children. So you don't think everybody should have the right to strike? 8.4 Strongly argued questions with "Why" Why have we got to create large institutional families? If people decide to have children, then they should value family life. Why should other people pay for the exhibition of junk which nobody wants? But you're already paying for the NHS through national insurance. Why should you have to insure yourself twice? Once the level of the benefit is higher than their take-home pay, why should they do a job? Why shouldn't those who cause air and noise pollution do something to reduce it? ... if mountainous countries like Japan can export good cars, why shouldn't they import their food?
Vääramatu jõuga asjaolud (force majeure) Juriidilised riskid Kultuuri ja keeleerinevused Investeeringute risk Rahvusvaheline petturlus Väliskaubandustehingute dokumendirohkus Tehingu 2 poolt füüsiline kauba üleandmine ning selle eest tasumine transaction in goods kaasnev dokumendivahetus transaction in documents Kohtupraktikas mõlemad võrdse tähtsusega Väljakujunenud dokumendisüsteemid, näiteks CIFleping CIF(Cost, Insurance and Freight) CIF Cost, Insurance, Freight Laadimissadam sihtpunktis määratud, kasutatakse meretranspordi puhul, müüja kohustused lõpevad, kui kaup on sihtsadamas laevatekilt maha laaditud, müüja kohustuste hulka kuuluvad kauba ekspordi tollivormistus, transport kuni sihtsadamani ja kindlustuslepingu sõlmimine ostja kasuks. Kaubadokumendid CIFlepingu puhul Professionaal on... väliskaubandusekspert, kes omab selget ettekujutust
....5 2.3 Istungi käik...........................................................................................................................5 2.4 Analüüs.................................................................................................................................7 1. ESIMENE ISTUNG 1.1 Kohtuistungi üldinfo Istungi toimumise koht: Töövaidluskomisjon Tallinnas Endla tn 10A Istungi toimumise aeg: 22.09.2016 10:00 Istungil osalejad: Avaldaja: Ergo Insurance SE Vastaspool: Ergo Insurance endine töötaja 1.2 Nõuded 1. Tuvastada töölepingu ülesütlemise tühisus. 2. Makstud hüvitise tagastamine – brutosumma 3762€ + viivis alates 1.juulist - 0,81€ päevas. 1.3 Istungi käik Komisjon täpsustas üle töötaja ja tööandja omavahelise suhte asjaolud. Töötaja on Ergos müügiesindajana tööl käinud 18. aastat, kõik need aastad Ergo Keila kontoris. Juulis olid firmal plaanis struktuurimuudatused, 1
business fail. Lenders will generally consider the company's debt-to-equity ratio to understand how much money the lender is being asked to lend (debt) in relation to how much the owners have invested (equity). A high debt-to-equity ratio also indicates that the company already has a high level of loans and could be a higher financial risk. Collateral is a form of security for the lender. Banks usually require collateral as a type of insurance in case you cannot repay the loan. If you default on the loan, then the lender takes possession of the collateral in place of the debt. The loan agreement should carefully specify all items serving as collateral. Equipment, buildings, accounts receivable, and inventory are all potential forms of collateral. A lender will normally want the term of the loan to match the useful life of the asset used as collateral. For
no healthcare -DR is high no healthcare epidemics -average age 35-40 THE BEGINNING OF INDUSTRIALIZATION -healthcare -development of economy -education Increase in the living standards. BR remained the same (still high) DR decreased Big amount of children in the society. 18th c. demographic explosion in Europe Factors that lead to the end of dem. explosion: -prohibitions of children's work -women were offered work (wage) -system of pensions and insurance -compulsory (kohustuslik) education Ageing Changes in family module (1-3 children in family) Percentage of elderly people 25% DR and BR quite low/equal Demographic crisis, DR sometimes higher than DR MODERN ALTERNATION OF GENERATIONS BR and DR quite low, close to zero Different age complement (vanuse kooslus): -working age 51... % -children 25...% -elderly ...20% BR influenced by: Women: -the number of women at fertile age -the age of women giving birth to a baby -religion
fiscal & human resources and student data. Higher education There are more than 40 institutions of higher education in Washington. The state has major research universities, technical schools, religious schools, and private career colleges. Colleges and Universities include the University of Washington, Seattle University, Washington State University, Western Washington University etc. Health system Washington Healthplanfinder is the online health insurance marketplace in Washington State and was created in accordance with the Patient Protection and Affordable Care Act. The marketplace gives individuals, families, and small businesses the option to shop, compare, and sign up for health and dental insurance. Government Washington's executive branch is headed by a governor elected for a four-year term. The state is typically thought of as politically divided by the Cascade Mountains, with Western Washington being
2. an optician you think your eyes need testing 3. a chiropodist you find you have an ingrowing toe-nail 4. a chiropractor, a masseur, a physiotherapist 5. a hairdresser your fringe is getting a bit too long 6. a photographer you want a portrait photograph of yourself 7. a solicitor you have decided to sue somebody 8. a travel agent you fancy a holiday in the sun 9. a broker you want advice on investment or insurance 10. a piano tuner your grand piano isn't sounding quite right 11. an antique dealer you want to find a 400-year-old grandfather clock 12. a vicar you are planning a church wedding 13. mechanic your car won't start 14. a bookmaker you want to place a bet on the 3.45 race at Ascot 15. an undertaker someone in the family has just died 16. a driving instructor you want to learn to drive 17. a breeder you want to buy a pedigree alsatian 18
The Real Estate Developer´s Handbook Estonian University of Life Sciences Tartu 2012 The Subject The Real Estate Developer´s Handbook By Tanya Davis in 2007 Florida, USA Chapter 2: Predevelopment Chapter 3: Refining Your Idea Target group The target group of "The Real Estate Developer´s Click to edit Master text styles Handbook" consists of Second level anyone who is starting or Third level Fourth level has an interest in starting Fifth level working in the real estate developing scene, including students . Predevelopment · From the first glimpse to the beginning of construction. · Set up a "waterproof" business. · ...
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