liyaoers

在香港退休需要多少錢？

截至 2019 年 10 月，30 至 40 歲的香港人估計他們平均可以在 61 歲前退休，並認為 60 萬港元就足夠了。相比之下，51 至 60 歲的人預計他們可以在 64 歲退休，需要 300 萬港元，相差 0 萬港元。

如何為我的宏利賬戶注資？

通過宏利投資管理的賬單支付充值

前往任何 BPI、BDO、Metrobank、UnionBank 或 Security Bank 分行進行櫃檯充值。如果您註冊了銀行的網上銀行設施，則更好的是在線充值。

香港可以獲得英國國籍嗎？

政府為具有英國國民（海外）身份的香港人設立了新簽證。為期五年的簽證將使 BN(O) 及其家屬能夠在英國生活、工作和學習，並為他們提供獲得永久定居和英國公民身份的途徑。

未來的雇主可以看到我是否被解雇了嗎？

求職者的前任雇主可能會透露他或她是否被以前的工作解僱以及被解僱的原因。但是，在大多數情況下，不要期望收到此信息。

我如何提取自願性公積金？

從 VPF 帳戶提取資金的流程

員工將能夠從其雇主的人力資源 (HR) 團隊或政府門戶網站上獲取 Form-31。必須提交所有必需的文件，包括員工的詳細信息，例如 PF 號碼、郵政地址和銀行詳細信息。

我可以查看我的公積金餘額嗎？

您還可以通過向手機號碼 7738299899 發送短信來檢查您的 PF 餘額。請注意，您應該註冊您的手機號碼並在 EPFO 門戶上完成 KYC。發送短信時，您可以選擇通訊語言。

銀行會懷疑現金存款嗎？

根據《銀行保密法》，銀行和其他金融機構必須報告大於 0,000 的現金存款。但由於許多犯罪分子都知道這一要求，銀行也應該報告任何可疑交易，包括低於 0,000 的存款模式。

SSS養老金的年齡是多少？

至少 65 歲，無論是否仍在工作/SE，是否擔任 OFW/家庭傭工（技術退休）；

你應該在早上還是下午辭職？

下午辭職要好得多，因為早上發出通知可能會導致你的老闆和同事出現一些不舒服的情況，所以如果你等到下午會更好。

捐款假期是什麼意思？

通過 MAS 團隊 | 2018 年 11 月 26 日。如果您目前正在向 KiwiSaver 供款（並且在 KiwiSaver 中的時間已超過 12 個月），您可以選擇暫時停止從您的工資或薪金中定期供款。

強積金供款

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1.実際の借入金額に応じて返済し、利息を計算する

ローンの利息を事前に元本から差し引くことはできません。 事前に元本から利息を差し引いた場合は、実際の借入金額に応じて返済し、利息を計算します。

借り手が、利息が貸付金の元本から前もって差し引かれていると主張する場合、その証明責任は借り手にあります。 裁判所は、借主と貸主の間の和解規定、ローン契約書、譲渡証明書などをもとに判断します。

借り手は、借り入れ証明書、譲渡証明書、WeChat、SMSの記録、両当事者の音声私人借貸記録などの証拠を保管しておく必要があります。

2.1年に1ポイントというのは、1年に10%なのか1%なのか。

プライベートローンの契約書には、金利が「年率何%、月率何%」であることを明記することが望ましい。

3.法律で保護されている金利の最大値はいくらですか?

個人向け融資に関する新しい規制では、「フローティングラインと2つのゾーン」ルールを採用することで、金利保護の上限を調整しています。 借り手と貸し手が合意しても、裁判所は上限値までの金利を保護し、不起訴処分での返済を支持しません。

LprはLoan Optionの略語で、財經新聞では「融資市場相場」と呼ばれています。 2019年8月20日より、中国人民銀行の認可を受けた国家銀行間融資センターが付与する1年物ローンの月次相場を指します。

注)ローン金利は1年物と5年物に分かれていますが、個人向けローン金利は1年物を参考にして算出しています。

4.利息を「ロールオーバー」することはできますか?

裁判所は、利息を「ロールオーバー」する合意を支持しましたが、各期間の利息は年利の4倍を超えてはならず、超過分は次の分割払いの元金に算入されません。

ローン契約全体の完了後は、当初の元金とLPR金利の4倍に基づくローンの元利金の合計額を超えることはできません。

5.遅延利息の計算は可能ですか?

返済期限が過ぎても、契約した元金と利息が返済されていない場合、裁判所は「遅延利息」契約を支持しますが、法律に反する方法ではありません。

このケースでは、借り手と貸し手の間で、借入期間中の金利と遅延損害金のいずれかについて合意していませんでした(つまり、無利息の借入です)。 貸し手は借り手に利息を支払う必要はありませんが、借り手は当然、元金を期日通りに返済する義務があります。 期日を過ぎても元本が返済されない場合、借主は契約違反の責任を負います。

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Considering that voluntary clinical coverage is usually a preferential policy applied from the government, it is extra ideal for college kids and their households to dwell in Hong Kong, but without having essential healthcare insurance policies, not merely the value is less costly than high-end healthcare treatment, but in addition tax deductible. In case your enterprise has team health-related insurance, it's not recommended that you just obtain yet another flexible plan that requires a alternative of home sorts and no reimbursement rate, mainly because there'll be overlapping obligations when earning promises, and also the whole effect with the rates paid by us will be unable to be used vhis.

For example, I'm hospitalized once more. The clinic cost is 1,500 Hong Kong bucks on a daily basis. The company’s health-related insurance policy can declare one,000 Hong Kong bucks, and also the versatile prepare can declare one,000 Hong Kong pounds. The whole payment could be up to 2,000 Hong Kong dollars, but I am able to only report 1,500 Hong Kong dollars once i underwrite the coverage 自願醫保. To paraphrase, I paid the expense for that five hundred Hong Kong greenback quota I could not use, which wasn't specifically cost-effective. The flexible approach in the no deductible edition is fairly extra acceptable for policyholders who may have no insurance plan coverage at all.

If your staff company’s team health-related insurance coverage is pretty lower (soon after all, not every business is prepared to present staff with substantial gains), you then could also take into account the typical system, which is equivalent to upgrading the general ward delivered by the employee to the semi-private space 醫療保險. Or it might be matched by using a health care insurance merchandise having a foundation charge, to ensure the firm's health care coverage isn't squandered, and there is no overlap of responsibilities.

If the company’s team professional medical insurance is better (like the non-public space edition), you then should purchase a "high deductible" edition with less costly premiums; if the company’s team medical insurance coverage is fairly very poor (like the standard space edition), then you certainly should purchase a "low deductible" variation, that may be made use of being an successful supplement to group medical insurance plan.

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now suddenly woke up, just as though someone had jogged him in the side. He shuddered, raised himself on his arm, gazed around, and grew very pale. A look almost of terror crossed his face as he recollected Technology Transfer.

"What! are they all off? Is it all over? Is the sun up?" He trembled, and caught at the prince's hand. "What time is it? Tell me, quick, for goodness' sake! How long have I slept?" he added, almost in despair, just as though he had overslept something upon which his whole fate depended.

"You have slept seven or perhaps eight minutes," said Evgenie Pavlovitch.

Hippolyte gazed eagerly at the latter, and mused for a few moments.

"Oh, is that all?" he said at last. "Then I--"

He drew a long, deep breath of relief, as it seemed. He realized that all was not over as yet, that the sun had not risen, and that the guests had merely gone to supper. He smiled, and two hectic spots appeared on his cheeks eleaf ijust 2.

"So you counted the minutes while I slept, did you, Evgenie Pavlovitch?" he said, ironically. "You have not taken your eyes off me all the evening--I have noticed that much, you see! Ah, Rogojin! I've just been dreaming about him, prince," he added, frowning. "Yes, by the by," starting up, "where's the orator? Where's Lebedeff? Has he finished? What did he talk about? Is it true, prince, that you once declared that 'beauty would save the world'? Great Heaven! The prince says that beauty saves the world! And I declare that he only has such playful ideas because he's in love! Gentlemen, the prince is in love. I guessed it the moment he came in. Don't blush, prince; you make me sorry for you. What beauty saves the world? Colia told me that you are a zealous Christian; is it so? Colia says you call yourself a Christian."

The prince regarded him attentively, but said nothing.

"You don't answer me; perhaps you think I am very fond of you?" added Hippolyte, as though the words had been drawn from him.

"No, I don't think that. I know you don't love me."

"What, after yesterday? Wasn't I honest with you?"

"I knew yesterday that you didn't love me."

"Why so? why so? Because I envy you, eh? You always think that, I know. But do you know why I am saying all this? Look here! I must have some more champagne--pour me out some, Keller, will you?"

"No, you're not to drink any more, Hippolyte. I won't let you." The prince moved the glass away.

"Well perhaps you're right," said Hippolyte, musing. They might say--yet, devil take them! what does it matter?--prince, what can it matter what people will say of us THEN, eh? I believe I'm half asleep. I've had such a dreadful dream--I've only just remembered it. Prince, I don't wish you such dreams as that, though sure enough, perhaps, I DON'T love you. Why wish a man evil, though you do not love him, eh? Give me your hand--let me press it sincerely. There--you've given me your hand--you must feel that I DO press it sincerely, don't you? I don't think I shall drink any more. What time is it? Never mind, I know the time. The time has come, at all events. What! they are laying supper over there, are they? Then this table is free? Capital, gentlemen! I--hem! these gentlemen are not listening. Prince, I will just read over an article I have here. Supper is more interesting, of course Finasteride, but--"

Here Hippolyte suddenly, and most unexpectedly, pulled out of his breast-pocket a large sealed paper. This imposing-looking document he placed upon the table before him.

Received his request to announce him to her mistress without any astonishment. Neither his dirty boots, nor his wide-brimmed hat, nor his sleeveless cloak, nor his evident confusion of manner, produced the least impression upon her. She helped him off with his cloak, and begged him to wait a moment in the ante-room while she announced him.

The company assembled at Nastasia Philipovna's consisted of none but her most intimate friends, and formed a very small party in comparison with her usual gatherings on this anniversary.

In the first place there were present Totski, and General Epanchin. They were both highly amiable, but both appeared to be labouring under a half-hidden feeling of anxiety as to the result of Nastasia's deliberations with regard to Gania, which result was to be made public this evening.

Then, of course, there was Gania who was by no means so amiable as his elders, but stood apart, gloomy, and miserable, and silent. He had determined not to bring Varia with him; but Nastasia had not even asked after her, though no sooner had he arrived than she had reminded him of the episode between himself and the prince. The general, who had heard nothing of it before, began to listen with some interest, while Gania, drily, but with perfect candour, went through the whole history, including the fact of his apology to the prince. He finished by declaring that the prince was a most extraordinary man, and goodness knows why he had been considered an idiot hitherto, for he was very far from being one.

Nastasia listened to all this with great interest; but the conversation soon turned to Rogojin and his visit, and this theme proved of the greatest attraction to both Totski and the general.

Ptitsin was able to afford some particulars as to Rogojin's conduct since the afternoon. He declared that he had been busy finding money for the latter ever since, and up to nine o'clock, Rogojin having declared that he must absolutely have a hundred thousand roubles by the evening. He added that Rogojin was drunk, of course; but that he thought the money would be forthcoming, for the excited and intoxicated rapture of the fellow impelled him to give any interest or premium that was asked of him, and there were several others engaged in beating up the money, also.

All this news was received by the company with somewhat gloomy interest. Nastasia was silent, and would not say what she thought about it. Gania was equally uncommunicative. The general seemed the most anxious of all, and decidedly uneasy. The present of pearls which he had prepared with so much joy in the morning had been accepted but coldly, and Nastasia had smiled rather disagreeably as she took it from him. Ferdishenko was the only person present in good spirits.

Totski himself, who had the reputation of being a capital talker, and was usually the life and soul of these entertainments, was as silent as any on this occasion, and sat in a state of, for him, most uncommon perturbation.

The rest of the guests (an old tutor or schoolmaster, goodness knows why invited; a young man, very timid, and shy and silent; a rather loud woman of about forty, apparently an actress; and a very pretty, well-dressed German lady who hardly said a word all the evening) not only had no gift for enlivening the proceedings, but hardly knew what to say for themselves when addressed. Under these circumstances the arrival of the prince came almost as a godsend.