Налоговая администрация отменит банковскую тайну

Налоговики планируют заглянуть нам в карманы, чтобы полностью контролировать банки и их клиентов. Они инициируют изменения в законодательстве, которые отменяют банковскую тайну. Если парламент примет это, налоговики получат беспрепятственный доступ ко всем нашим счетам, переводам и тому подобному.

В двадцать первом веке, благодаря развитию технологий, скрыть какую-либо информацию крайне трудно. Впрочем, ваши банковские дела - табу, их достаточно надежно защищает банковская тайна. Однако налоговикам это не нравится.

Сколько вы перевели или получили денег. Какое количество денег на вашем счету или депозите. Нет ли у вас прибыли из-за границы. Вот что интересует налоговые органы. Банкиры пугают, если вы не оплатите вовремя налоги - это сделают за вас, без предупреждения.

Это возвращение в 90-е годы, когда без решения суда налоговая служба по собственному платежному требованию могла списать с расчетного счета клиента сумму налогового долга, считает советник Ассоциации украинских банков Андрей Кущ.

Банкиры убеждены - благодаря внедрению тотального контроля налоговики хотят усилить и так достаточно сильное налоговое давление. В ГНА отрицают, мол, бушуют только те, у кого совесть нечиста, кто прокручивает незаконные финансовые сделки, прикрываясь банковской тайной. Правда, с такими аргументами не согласны экономисты.

Банкиры, конечно, не святые, однако через них проходит не такой уже и большой объем "теневых" денег, заверяют аналитики. "Теневые" деньги проходят наличными, заверяет экономист Александр Жолудь.

В юридических кругах инициативу ГНА воспринимают с удивлением. Мол, зачем контролировать всех и вся. Ведь сейчас, если человека подозревают в неуплате налогов, можно через суд добиться проверки его банковских операций.

Однако налоговики непреклонны. Отсутствие свободного доступа к банковским операциям снижает эффективность их труда, говорят в ГНА. Воплотить в жизнь их нововедения может лишь парламент. Чье лобби - налоговое или банковское - окажется в конечном итоге сильнее в Верховной раде, покажет время.

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Weight Loss Tips

I'm sure you may have read many diet books maybe you have even tried a diet or two. There are so many out there, that it's almost impossible to figure out what's right from wrong. Today I'm going to give you some tips on weight loss that I think are great and in later articles go into the pros and cons of some diets. Enjoy your weight loss tips!

Tip 1

EXERCISE IN THE MORNING ON AN EMPTY STOMACH. - I mean aerobic work such as biking or walking as well as anaerobic work such as weightlifting.. Doing exercise before you eat will burn more fat because you have no food to wear off. Your metabolism will be raised all day and will help burn more calories. Also if you do it first thing it will be done and you won't have to worry about doing it later in the day.

Tip 2

FOOD - Eat more cleaner foods like fruits and vegetables. The more nutrient dense your food is the fuller you will get and the less you will eat. You want to stay away from processed food as much as possible including diet foods. Make you meals as balanced as possible. Have a protein source, a carb source (complex carbs), and a vegetable source. Eat foods raw when possible. Having more meals of smaller portions throughout the day will give you more energy and allow your body to process food better.

Tip 3

DRINK LOTS OF WATER - Drink as much water as you can. Within reason of coarse. I suggest 1 ounce per lb. of bodyweight. A large portion of our bodies are water so it only stands to reason that we need a lot of it to function properly. I believe that most people are dehydrated. With all the coffee, tea , soda, alcohol people are drinking these days its easy to see how they would be.

Tip 4

QUIT EATING AFTER A CERTAIN TIME - I suggest you eat you last meal or snack at least 4 hrs before going to bed. Some people quit eating right after supper. 6,7,8 or 9pm. The main point to learn here is to not eat right before bed. Your body will not use that food for fuel it will just turn to fat. Eat for what you will be doing next, if you are doing nothing next then don't eat!

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How to Lose 30 Pounds in a Month

Having lost over 30 pounds myself, I know how hard it can be. I tried several diets and failed before I finally managed to lose 30 lbs. I know how you feel. You must have tried to lose weight before and may even have succeeded, only to gain it back. And it may seem that to lose 30 pounds is the hardest thing in the world, but in fact, it can be done in a relative short time, as long as you're willing to put in the effort.

How fast can you lose 30 pounds?

You can lose 30 pounds in as little as a month. But you will need to choose the right diet in order to succeed and maintain your weight loss afterwards. You will also need to make a commitment to yourself. I know you can do it because I was in your shoes. Read on to see how you too can become 30 pounds lighter.

How An Internet Review About A Diet Plan Became A Small Community

Back in the beginning of 2007, I wrote an online review about a diet called Fat Loss 4 Idiots, which is based on the calorie shifting method. I just wanted to tell other people how this diet works. I had no idea that soon people who used this diet would start sharing their experience and ask questions about this diet right there at the end of my review. And not just 1 or 2 people, but dozens of them. The stories were great, and I was able to come to some conclusions about Fat Loss 4 Idiots:

1. The success rate was pretty high: out of 30 and more people who posted their testimonial, only 1 had trouble losing weight with Fat Loss 4 Idiots.

2. People found the diet simple and easy to stick to. The diet requires little or no exercise and provides each user with a personal menu to follow which is pretty simple.

3. The average weight loss was 7-11 pounds every 11 days. That's where the 30 pounds in 1 month come in. Although people who lost 11 pounds in 11 days are rare, it can be done with this diet. What you need to do in order to lose the most weight with it is to stick 100% to the diet menu and to take 45-60 minutes walks at least 4 times a week. If you do that, you have every chance to lose 30 pounds in a month. If you don't have time for walks, you will have to do with 7-8 pounds average weight loss every 11 days.

Personally, I'd say that for most people a month wouldn't be enough to lose 30 pounds with Fat Loss 4 Idiots. However, 5-6 weeks will surely be enough. All you need to do is make a decision and do the diet. I wish you the best of luck. You can do it.

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Промсвязьбанк — типы займов

Промсвязьбанк — это один из крупнейших отечественных банков, который входит в 10-ку передовых банковских учреждений страны. На российском кредитном рынке кредитная организация предлагает следующие разновидности кредитов:

Потребительский кредит — предоставляемый Промсвязьбанком частным и корпоративным лицам для приобретения услуг и товаров с перенесением срока выплаты за купленные товары и услуги, с дальнейшим компенсацией взятых в долг средств и процентной ставки по ссуде.

Кредитные карты — современная разновидность наличного кредитования, дают возможность получать различные услуги и товары без личного визита в АКБ Промсвязьбанк с единовременным лимитом с дальнейшим возвращением полученных суммы Промсвязьбанку.

Доминирующими предназначениями кредитных карт являются снятие денежных средств в терминалах или офисах Промсвязьбанка, а также отзывы о банках в кассах партнерских кредитных организациях. Кроме того кредитки Промсвязьбанка дают возможность делать безналичные отправки средств, а также оплатить покупки различных услуг. ПромСвязьБанк Заявка на кредит.

В банке Промсвязьбанк широко предложено ипотечные программы. Кредитная программа по ипотеке позволяет получить недвижимость без использования личных средств, с помощью средств банка, с последующим покрытием одолженных денежных средств под низкую ставку. В предметом залога может выступать приобретаемый объект. При этом, объект залога подлежит страхованию от стихийных бедствий, кроме этого подлежит страхованию состояние здоровья взявшего ипотечный кредит.

За прошлый год в Украине незаконно предали в собственность почти 60 тыс. га земли

К таким выводам пришли инспекционные подразделения территориальных органов земельных ресурсов

В течение 2011 года они выявили, что более 5 тыс. решений и распоряжений, были приняты органами местного самоуправления и исполнительной власти с нарушением требований земельного законодательства.

Об этом сообщает пресс-служба Государственного агентства земельных ресурсов.

В результате незаконно передано в собственность или пользование 5,3 тыс. земельных участков на общую площадь около 60 тыс. гектаров.

Для принятия мер по устранению выявленных нарушений инспекционные подразделения территориальных органов земельного ведомства в органы местного самоуправления и исполнительной власти направили около 4 тыс. ходатайств об отмене или приведении в соответствие с законодательством незаконных решений и распоряжений. В результате были отменены 1 039 решений и распоряжений местных органов власти.

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Hoodia Oprah - The Oprah Show Exposes The Truth About Hoodia Gordonii

The Oprah Winfrey show brought Hoodia into the homes of women all over the world. But what did the Oprah show really reveal? Learn the truth about this all natural weight loss supplement here.

Hoodia Gordonii has only been available in the market for a number of years, but its benefits have been known to a group of people in South Africa for generations. Called the San, these people living in the Kalahari Desert have used this for thousands of years not for weight loss but for survival in the harsh desert.

Since life in the desert can be hard because of the scarcity of resources, Hoodia helped the San suppress their appetite and thirst by easing the effects of the two. They found it especially helpful during long hunting trips where food isn't readily available. Aside from that, the plant which is also called xshoba was also used to treat indigestion and minor skin infections.

However, the wonders of this plant was revealed much later to the pharmaceutical world when the South African Council for Scientific and Industrial Research did a study on the bushmens' diet. During the course of the research they found out about the Hoodia's capacity to cause weight loss.

The results of the study were later licensed to the pharmaceutical company called Phytopharm. They conducted their own research, using it on obese people and got positive results on its weight-loss capability.

Pfizer, a big drug company, initially partnered with Phytopharm but eventually abandoned the project because they found pursuing it too costly.

Right now, what was discovered by the San of the Kalahari several millennia ago can now be used by ordinary people anywhere in the world. These people can take advantage of Hoodia in their hunting trips, not for wild animals, but this time for the elusive ideal weight.

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Calorie Estimation - Big Meals Lead to Big Mistakes

How good are we at estimating the number of calories in the foods we eat? It turns out, if the meal is small, we are pretty good. But if the meal is large, we grossly underestimate the number of calories it contains.

Brian Wansink and Pierre Chandon, PhDs from New York and France respectively, designed two studies to look at how accurately people estimate the number of calories in fast food meals. They were also interested in whether overweight individuals differed from normal weight individuals in their ability to estimate calories in meals. The results are reported in an article, "Meal Size, Not Body Size, Explains Errors in Estimating the Calorie Content of Meals," that appears in the September 2006 issue of the Annals of Internal Medicine.

In Study 1, the researchers sent trained interviewers to local fast-food restaurants. They asked 150 men and women who had just finished eating to estimate the number of calories in their meals and to provide their heights and weights. 105 people agreed to participate. A little more than half of the participants (59%) were normal weight (BMI less than 25). The rest were overweight. Men and women's estimates of meal calories were similar as were estimates of normal and overweight individuals. What was significantly different was the calorie underestimation of different size meals. People underestimated small meals by an average of about 3%. However, they underestimated big meals by 38%.

In the second Study, the researchers asked 40 undergraduate students to estimate the number of calories in 15 different meals purchased from a local fast food restaurant. Each meal consisted of three items (chicken nuggets, French fries, and a regular cola drink). What differed was the portion size of each item. The smallest meal consisted of 3 nuggets, a small (1.45 oz) order of fries and a 10 oz cola. The largest meal was 12 nuggets, 5.8 oz of fries, and a 40 oz cola. The rest of the meals were different combinations of the different portion sizes of the same items. The meals ranged from 445 calories to a whopping 1780 calories.

Similar to Study 1, they found that the undergrads were very good at estimating calories of the small meals, but they underestimated the 7 largest meals by a mean of 23%. Again, there was no difference between normal and overweight people in their ability to estimate calories.

Now here is the punch line: Although normal and overweight individuals were similar in their ability to estimate the number of calories in food, the overweight individuals in Study 1, who had eaten a fast food meal, ate larger meals. Because everyone significantly underestimates the number of calories in large meals, these overweight people actually ate many more calories than they thought they had.

An analysis of the data in these two studies showed a meal that increased in calories by 100%, was only thought, by the participants, to have increased by 50%. Whew, that's a big mistake that can really impact the bottom line - aka the "waistline."

The authors had several suggestions on ways to improve an individual's ability to estimate calories. One was to have fast food restaurants clearly post calorie content on the meal servings themselves, as opposed to just being available somewhere in the restaurant or on the company's website. Another was to provide people with an idea of what a portion-size should be (e.g., 3 chicken nuggets or an amount of fries equal to the size of your fist).

An interesting option they propose takes advantage of what they learned from the data in this study. Since people can accurately estimate the calories in small amounts of food, they should estimate the amount of calories in a large meal by estimating the calories in each item (chicken nuggets, fries, cola) and then adding them up to get the total. Whether this works or not, of course, will have to be tested. But if it does, it will be one more tool that we can use to help us ensure that our daily calorie intake stays in a range that allows us to achieve and maintain a healthy weight.

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