Home Blog Page 735

What is the difference between public liability insurance and employers liability insurance?

0

The difference between public liability insurance and employers’ liability insurance is that public liability funds compensation claims made by third parties, while employers’ liability relates to compensation claims from members of staff.

There are a few other subtle differences. Both insurance policies fund legal costs defending or mitigating against a claim, as well as any damages awarded. However, public liability insurance covers claims against damaged property as well as injury where the policy holder is to blame, but employers’ liability insurance only deals with injury, illness or death.

Employers’ liability insurance is a legal requirement for most businesses hiring a worker, although some employees are exempt. 

Public liability insurance is not a legal requirement – apart from horse riding businesses – but some industry bodies do require it to be affiliated, so businesses should check the terms of membership if they wish to be part of a regulatory organisation. 

Employers’ liability insurance definition

Employers’ liability insurance protects both the worker and the business. It provides the money needed to pay damages to employees if they become ill, injured or die as a result of working for the company. It is a legal requirement because it ensures a business always has funds to compensate an employee or their family if something goes wrong. 

The minimum limit of cover is £5 million, giving an idea of just how much an employer could have to pay if it did not have insurance. Employers’ liability insurance also covers a business’s legal expenses, and can be used to defend against unsubstantiated claims as well as genuine ones. 

Health and safety protections for employees are still of upmost importance and insurers can sue the policy holder for damages if it is found to have been negligent. 

But not all workers qualify for employers’ liability insurance. Workers may be exempt if they:

  • Supply the majority of their own equipment and materials.
  • Operate as a business for their personal benefit. 
  • Do not have national insurance and income tax deducted by the business. However if a worker is classed as ‘self employed’ for tax purposes but is classed as an employee for other reasons the business still needs employers’ liability insurance. 
  • Do not work exclusively for the business and can subcontract work out.
  • Are a close family member (this exemption does not apply if the business is a limited company). 
  • Are based abroad and does not spend 14 continuous days or more in Great Britain (or seven continuous days on an offshore location).

If a business is unsure if it needs employers’ liability insurance, workers qualify if the business:

  • Controls the hours and location someone works.
  • Deducts national insurance and income tax from money paid to the worker.
  • Supplies the majority of equipment and materials to do the job. 
  • Treats the worker the same as other employees – with the same working conditions for the same work. 
  • Has a right to profit made.
  • Bans work being subcontracted out.

There are a number of exclusions for employers’ liability insurance and while all policies differ most have a notification period that must be adhered to, with policy holders usually having seven days to tell their insurer about a claim or potential claim. 

Employees injured in a motor vehicle accident are usually not covered and a business would need to claim through commercial vehicle insurance instead. 

Businesses that admit they were at fault or make a settlement offer without consent from their insurers may also find they are not covered. Deliberate acts are usually also excluded and if the business was negligent they can be sued by the insurance provider.

The cost of employers’ liability insurance depends on the number of employees a business has and the type of industry it operates in. The cost per employee reduces as the number of employees increases. 

Research on employers’ liability insurance costs by NimbleFins found the cost of one employee is on average £213, while two cost £354 and five cost £753. NimbleFins analysed quotes across low-risk to high-risk industries of all structures to find their average costs. So smaller firms in low-risk professions may find cheaper premiums, but higher-risk occupations would pay higher premiums.

Public liability insurance definition

Public liability insurance funds compensation claims and associated legal costs if a member of the public is injured or has property damaged and the policy holder is blamed. It is not required by law, but can be required by regulatory bodies or clients. It is also not essential for every business, but if staff work in other peoples’ homes, in public, or are visited by members of the public in their place of work, public liability insurance is an appropriate safeguard. 

Businesses that have exposure to the public – whether that be customers, vendors, suppliers or just passers-by – run the risk of these people becoming injured or having belongings damaged. Examples of professions at risk of a public liability claim are:

  • Electricians
  • Plumbers
  • Other tradespeople
  • Hairdressers
  • Beauty salons
  • Estate agents
  • Events
  • Shops
  • Restaurants/cafes
  • Pubs/bars
  • Dentists/health workers
  • Window cleaners

It is only a legal requirement for horse riding businesses to hold public liability insurance, but some regulation bodies require it. The Association of Plumbing and Heating Contractors Limited (APHC) requires public liability insurance with a minimum of £2 million cover, against plumbing, heating and mechanical services. This is on top of employer’s liability insurance and professional indemnity insurance. The Electrical Contractors’ Association (ECA) also requires a minimum cover of £2 million in public liability insurance.

When considering whether to buy public liability insurance businesses should think of the risks their work carries and the cost of damage or injury to the business. 

A customer could slip on a shop floor and sue for damages, or a painter could ruin an expensive piece of artwork when decorating a house. There are all sorts of potential incidents that could occur for some trades and £6.64 million was paid out in public liability claims in 2019/20 according to the Government’s Compensation Recovery Unit.

How To Protect Your Cryptocurrency Wallet

0

A cryptocurrency is any digital asset designed for worldwide use as a medium of exchange between individuals, companies, or government entities. Unlike traditional money, which is usually created through the printing of paper currency, cryptocurrency is a virtual currency not backed by any physical commodity. A cryptocurrency wallet will be used when you trade or invest in any of the hundreds of currencies that are in circulation and are traded on major exchanges.

Cryptocurrency Wallet Explained

Usually, cryptocurrency wallet is a software or service that stores the public and private key information for crypto coin transactions. In addition, a crypto wallet usually also provides the functionality of signing and encrypting information as well. Most of them have additional features such as portability, flexibility, privacy protection, and application support.

Using A Cryptocurrency Wallet

You can use your crypto wallet in numerous ways. Most wallets are designed to be used online. They permit you to make purchases from anywhere in the world and use your cryptocurrency as you would your credit card. Investors also buy cryptocurrencies as a form of investment. Whether you plan to diversify your assets or use virtual currencies for paying online, here are the things that you need to know to keep your wallet safe and secure:

Choose A Secure Wallet Service

Protecting your wallet starts by choosing a crypto wallet service provider that’s reliable and trustworthy. Their software is essential for managing your wallet and keeping your important information safe and secure. If you want to be extra careful with your security, it’s advisable you get a hardware-based backup for your wallet.

How about cryptocurrency exchanges for Australians? Storing your cryptocurrency in an exchange account may leave you with less control over your funds. When choosing a wallet provider, make sure they have highly rated features and security options that’ll make protecting your cryptocurrencies a breeze.

Never Divulge Your Password With Anyone

Never give out your private key to anyone unless you’re 100% sure that you can trust them to transact on your behalf. 

Your wallet’s private key is crucial for accessing your wallet and performing transactions. You should make sure that you never share your password or personal data with anyone. When you divulge your private key or password, you’re giving everyone access to everything on your wallet. They could use this information to break into your system and take out your funds. Some software programs will let you set up password requirements that may be helpful with security.

Create A Strong Password

While some crypto wallets may not allow the regular changing of passwords, what you can do to protect your wallet is by using a strong password. A hack-proof password is believed to be crucial to keep your personal and financial accounts safe. Keep these in mind when creating a password for your wallet:

  • Use a complex and long password 

In general, the longer and more complex the password is, the harder it will be for others to guess. Additionally, use a combination of letters, numbers, and symbols to further strengthen your key. 

  • Don’t include personal details

Don’t use your birthday, social security number, or pet’s name in your account password. Also, avoid using common words or phrase combinations.

  • Don’t reuse passwords

Avoid using your email or online banking password as your crypto wallet password. Once a hacker gains access to one of your passwords, then he’ll be able to log in to your other accounts, too.

Use Two-Factor Authentication

It’s said that many people prefer not to use two-factor authentication with their cryptocurrency wallets because they feel it’s too time-consuming. However, this is a huge mistake because you can never be too safe when it comes to your sensitive information. With an added layer of protection, you can log in securely no matter where you are. 

You never know when someone will attempt to hack your wallet. With this form of protection, you’re assured that any transaction on your crypto wallet will require at least two verifications before it pushes through. Two-factor authentication protects you by verifying who you are by requesting extra security codes when you make a purchase or log in to your crypto wallet. If someone steals your information or tries to use it for malicious purposes, you’ll receive notifications in the form of text messages and calls.

Maintain Multiple Wallets

The cryptocurrency world is constantly changing, and more often than not, the most effective tip to protect your safety is by having multiple wallets. If you’re keen on building your cryptocurrency assets, it’s best to diversify your investments by creating and using several wallets. Assign a wallet for your daily transactions and use the rest for different purposes. You’re protecting your crypto portfolio by mitigating huge losses that can occur when you only have one digital wallet.

Takeaway

Learning how to protect your crypto wallet is very easy if you search the Internet for the software program that you may need. There are plenty of sites that can help you decide what program is right for you, and you can get started right away.

Stay Aware of the Latest Technology Trends

0

Dynamic is the best way to describe the technological world we live in today. Every aspect and detail of the technological trends are constantly changing, new ideas, new functionalities, and new everything. Keeping up with all the changes is difficult, time-consuming, and highly discouraging. However, business entities, including those with free slot machines with bonuses, keep recent trends at hand as they help drive better innovation, ensure competitive entities or business, and finally, ensure customer satisfaction. Being aware of technological trends can be the difference between providing impactful solutions and bridging the knowledge gap. Also, it helps keep a flow of fresh, new, and more extensive perspectives and ideas. At the same time, you get a wealth load of information/knowledge.

Ways to Be Aware of the Latest Technological Trends 

  • Keep tabs on research reports; 
  • Monitor open source communities;
  • Tech conferences and seminars;
  • Always review your competitor’s technology;
  • Subscribe to Google Alerts, Podcasts, and Videos; 
  • Setting up teams, online training, and reminder cards.

Keep Tabs on Research Reports 

Research reports provide accurate and timely information on any emerging or current technologies in the market. Your research should encompass social media, tech news, and the actual research reports. Online tech sites want to capture the technologies as they emerge and join our market. A regular subscription to these sites, social media platforms like Facebook and Twitter can deliver new tech news to you. Social media streams provide curated information in little bits for all trending technologies or tech companies, says David McCann of CleaResult. 

Interested individuals can also find aggregate tech news sites that bring in all the top technology stories. It eliminates the need to go surfing online, access little or uncertified information, and is a fast and sure way to gain essential tech information. “Aggregate news sites keeping all news together and a single access are all you need,” says Adam Wray of Basho Technologies. Tim Malkiyil of AlertBoot advises taking up new tech projects and reading tech news daily. 

Monitor Open Source Communities

Open source communities can keep you up to date with your technological trends. These online communities provide data on all technological platforms, both current and emerging. The communities offer learning materials on how the technology operates, its implementation process, and where to look if you need it. In most instances, new technologies in these communities are emerging, and therefore, the communities are not large but growing. The communities are the best place to learn technological adaptations as the latest trends hit the market. 

Take charge and identify any trending projects on the open-source communities. It helps you learn what to expect and tailor your business, project, or targets towards the horizon. It becomes easier to remain on top and to tailor any arising technology to your needs. Knowing and understanding technologies present in the world can give a competitive advantage. 

Tech Conferences and Seminars 

Attend conferences and events like the CES 2022 in Las Vegas, Nevada. It is a platform for innovation where all significant companies showcase their recent technological inventions. The events bring together people from across the world, and they can enjoy casino games with these 1000+ slots for fun. The events provide a combination of new startup and tech brands and introduce the legendary and influential companies in the industry. Keeping an eye on what companies are presenting at the tech conferences, seminars or events will keep you aware of the latest technology trends. Plus, you get to hear and come into contact with futuristic technologies in the making. You can connect with major players in the industry or pursue any exciting trends that match your needs. 

Always Review Your Competitors’ Technology 

Thus, competitors want the best for their products and services and therefore employ the best technology. Monitoring the competitor’s technology does give you an edge. However, each new technology trend can either be a huge success or a failure that can impact your business. The monitoring includes identifying potential successes and failures or the implemented technology. Based on the outcomes, you can decide whether to use the new trend or leave it. 

Interacting with your customers can also aid in identifying the latest technologies for customer satisfaction. Customers want a great experience anytime they visit your business. Plus, they can provide an insight into competitors and their technologies. Asking for customer opinions on various techs around you can help identify the challenges customers face and the updates your tech may require in the future. Customers will always pump you full of information regarding any new trends they have come across and why it is essential to use them in your entity. 

Subscribe to Google Alerts, Podcasts and Videos 

Google Alerts provide immediate information on any new technology to join the market. When using the platform, you get a notification whenever there is information on the latest innovation uploaded online. You can Google accounts to recognise specific phrases allowing you access to all data online. Only Google accounts can provide the information you need via Gmail. The frequency with which you get the data depends on you as an individual. However, Gmail provides the following frequency once a day, week, or month. 

Podcasts subscriptions can earn you information through subjects discussed duelling the podcasts. Some podcasts focus their attention on the new and upcoming technologies across various industries. You can review a current technology with new implementation guidelines and updates or a forthcoming tech. Podcasts provide feedback from tech users, which can provide the insight you never had. On the other hand, videos are not only visual but also practical. Some influential professionals upload videos online and on YouTube providing a detailed explanation of new tech trends. 

Setting Up Teams, Online Training and Reminder Cards 

Online notifications, newsletters or reports on technology can be a daunting task if you take take-up the charges alone. Critical data can escape your notice and, thus, the need for a team. In a team, each member focuses on a single section allowing a breakdown of information. The members then share their findings with the group. The idea is to have a familiar go-to person for specific details. However, it is essential to review your peer’s work for certainty constantly. 

Set up a reminder card on your desktop, workspace at home, or in the office. Reminder cards ensure that your priority remains the trending technologies for your business even while tackling other challenges. Use online platforms to set reminder cards such as Methodkit. It ensures that if the trend changes, you are first to know. It aids in adapting services to meet the goals regardless of the trending tech. 

Some institutions and companies tend to train the public first on using their new technologies before the launch. The lectures and training materials are free. Many ask for feedback after using the technology or device for improvements and updates. Some even provide training depending on your timeline. You can subscribe to training institutions for more information on trending technologies. Follow the training manual and enjoy the in-house tech training. 

Summary 

Staying aware of the latest technology trends means putting your resources to tap and gather data on all new, regular and past technology. Understanding the past of technology can help determine where it’s going or whether it will trend and be useful once more. Standard or average tech allows you to keep up to date with functionalities and operations, especially in a business setup. Emerging technology trends provide an edge to any business startup. However, to retain the edge, one must remain up to date with emerging or the latest technology trends. 

New Cryptocurrency Trends in 2021

Cryptocurrency trade has become the number one choice among investors and traders. The Crypto converter is an instrument that is used to see the price of Bitcoin in USD. Investors and traders have the best chance to visit the trusted and reliable online store and to proceed with step-by-step integration of plans to show your interests and the trust levels on behalf of the smart choices. Use the best recommend crypto converter to know about BTC to USD because only authentic and reliable Bitcoin converter can proceed to achieve your objectives and proceed with the right time steps at the time of interested communities. Get immediate access to use guaranteed crypto converter. It has been observed that Crypto should make no more than 3% to 5% of assets because of lots of risk factors.

Automated Crypto converter & Bitcoin Convert

How to calculate Bitcoin price is not an issue, make sure live Cryptocurrency platform to check the latest rates of the BTC to USD. 1 BTC to USD converter provides instant access and smart feature plans to proceed with online easy accessible resources. Conversion rates from digital currencies to other currencies can be viewed from online authentic and reputed https://ccprice.com/ sources. Get immediate access to use Cryptocurrency Converter and Calculator Tool and make sure how to get satisfied and how to match your preferences to get the best and authentic source. Crypto exchange rate calculator helps you convert prices almost everything can proceed to approach the instant and reliable resources. The easiest way to get the live exchange rates depends upon the authentic ideas and having useful acknowledgment to proceed with reliable and fast accessibility resources. Make sure which one tool is the best and how to get satisfied to carefully calculate the BTC Value.

Best Opportunity Tool to Make Profits Online

Non-fungible tokens (NFTs) are based on the latest technology unique Blockchain-based tokens which have a great reputation and demand. In new Cryptocurrency trends, no one can deny the importance of the NFTs tokens. There is a massive range of ideas and useful strategies which can be matched and which can be chosen to make profits online. In the latest trends 2021, Crypto trading and parameters encourage the investors and proceed with an instant and reliable source of action plans and to proceed with reliable sources and to make sure about smart feature choices.

Cryptocurrency Investment Trends in Covid-19

Investment plans in Cryptocurrency are considering one of the best and smart feature investment plans which have great demand among traders around the globe. People want to see the latest Cryptocurrency rates with USD and compare their currency values to make sure about their profits. Different modes of Cryptocurrency investment trends have different ratios that can proceed and which can be approached through the best and reliable resources. The highest liquidity value is found in Bitcoin as compared with other digital currencies.

Forms of Digital Currencies

TRON, Ripple, Cardano, Ethereum, Binance Coin, Dogecoin are some of the best forms of digital currencies. With the high liquidity associated with Bitcoin, the trend to make investments in online digital currency has got much popularity. Due to the Covid-19 situation, the trend to make online investments has been increased. March 2021 was the peak month for Bitcoin in which the investment level from investors around the globe was impressive and numerous new investors invested in online digital currency.

Careful Selection of Digital Currencies

The Crypto exchange rate calculator helps to analyze the currencies and their present values before doing investments. Convert prices online between two currencies process help the people to know about the comparison between two currencies. Proceed with instant and reliable resources and make sure how to get satisfied and who to match with your preferences to proceed through online genuine resources. In the long-term investment plan, Bitcoin has got tremendous status and a high reputation for online money-making ideas as compared with other forms of currencies. Selection of the best forms of digital currencies from the newest and fastest-growing Cryptocurrencies has great value and useful inspirations to proceed with the right time steps and to increase the credibility of the investor’s profits through genuine resources.

Step-by-Step Integration of Plans

Bitcoin reaches record-high values due to having the confidence of the investors and getting the best and smart feature plans to proceed with step-by-step integration of plans. There is a specific range that Bitcoin investors can buy. Get useful acknowledgment and useful strategies to know about useful facts about Bitcoin and its other parameters to proceed with the right time steps. Check the live Bitcoin Currency process and proceed with step-by-step integration of plans to achieve your objectives. Check the latest price comparison tool and get the best chance to carefully evaluate the prices online. Make sure how many levels of investment can proceed but before proceeding careful analysis is required.

Online Access to Guaranteed Converter

Make sure which patterns and work plans are needed and how to get satisfied to achieve your objectives to land on the most authentic and genuine resource. Make sure how to use it because it’s much simple and easy to operate by online resource. There is no complication factor involved to use the Bitcoin converter by having an official account but free of cost. There is a massive range of other online Bitcoin calculator tools can be approached and can be accessed but having online fast accessibility features plays a vital role to enhance the profit-making ideas and increasing the real money value. 

The Story of Modern Russian Latifundias: How Alexander Klyachin Became The Largest Landowner in Moscow Region

0

Alexander Klyachin, known in the business circles as the owner of the Metropol Hotel and the Azimut hotel chain, is not only a hospitality industry tycoon. He also happens to be the largest landowner in the Moscow region, facing endless trials and litigations concerning the shady history of the ownership of the land in question.

In Soviet times, where the Moscow Ring Road ended, the area of the lands of collective and state farms started, which provided the capital city with food. After the collapse of the Soviet Union, land in the near Moscow region became too expensive to grow potatoes on it. But in some places the Russian heirs of those Soviet collective farms have remained to this day.

At two opposite points of the Moscow Ring Road, there are still two state farms with typical Soviet names. The “State Farm named after Lenin” (in Rus. – “Sovkhoz imeni Lenina”, editor’s note) in the south grew strawberries and vegetables. The state farm “Path to Communism” (in Rus. – “Put k kommunizmu”, editor’s note) in the north specialized in meat and milk. In the 90s, both enterprises were reorganized into joint stock companies, and all employees became shareholders. Today, 30 years later, both agricultural enterprises are in the process of protracted litigation. CJSC State Farm named after Lenin is suing the structures of the Rota development group owned by the family of State Duma deputy Dmitry Sablin. And the company “Khimki-Molzhaninovo” (formerly known as the Collective Agricultural Enterprise (CAE; Rus. variant KSHP – editor’s note) Khimki – the successor to the “Path to Communism”) has been fighting with the administration of Khimki and the Swedish IKEA already during many years, insisting that they stole from the collective farmers 20 hectares of the valuable agricultural land near Moscow along Leningradskoe highway.

It seems to be situations as like as two peas. But why, then, in support of the “State Farm named after Lenin” politicians and bloggers stand out for, as well as some public actions are being held, but the confrontation between the heirs of the Khimki State Farm with the Swedes and city officials touches only the direct participants in the process and no one else. Why there are such double standards?

The “State Farm named after Lenin” from Kashirka managed not only to preserve itself as an agricultural enterprise whose products are known to all Muscovites, but also showed that in the market conditions of capitalist Russia business with a large social component is possible.

The situation in Khimki is completely different. Anyone who has been to this northern satellite city of Moscow understands that there is no agriculture in this place at all – endless buildings of new residential areas, huge shopping centers along the Leningradskoye Highway.

There are no shareholders behind CAE “Khimki” – former employees, milkmaids and tractor drivers of the liquidated state farm “Path to Communism”. Unless a couple of people remained in the management, and even then they hardly have a stake in the company. Legal battles with retired officials of the Khimki administration and the Swedes from IKEA are being conducted by multimillionaire Alexander Ilyich Klyachin.

In early March 2008, Kommersant reported that the Investigative Committee had opened a criminal case against Irina Shestak, First Deputy Minister of Property Relations of the Moscow Region Government, as well as “unidentified founders and leaders of one of the large landowners of the Moscow Region, ZAO “Nerl” and ZAO “Buzharovo” (ZAO is CJSC – editor’s note). According to the investigation, the official entered into an agreement with businessmen, who with her help were able to buy 862 hectares of land of the former state farm on the banks of the Istra reservoir for 4.3 billion rubles less than its market value. The case was based on the materials of the check carried out by the Department for Combating Organized Crime and Terrorism of the Ministry of Internal Affairs of the Russian Federation, Kommersant reported.

The article also described a scheme by which its participants allegedly managed to sell land in the prestigious Istra district of the Moscow region at the price of a taiga swamp. Mentioned, in particular, of a forged lease.

At the same time, the founders of the company “Nerl” were described as “unidentified persons”, however, in fact, the name of the owner of this large landowner was not a secret to anyone. It was Alexander Klyachin, whose land bank by that time, according to experts, was about 15 thousand hectares.

Since 2003, Klyachin’s “Nerl” has actively and at times aggressively bought up lands from liquidated collective and state farms for the further sale already for building it up with elite cottages…

However, just four months after the start of the investigation, it turned out that the Investigative Committee had no claims either to the Shestak official or to the same unidentified owners of the “Buzharovo” and “Nerl” companies. According to Kommersant, the investigator Drymanov (in 2018 he will be arrested, and in 2020 he will receive 12 years in prison for accepting a bribe on an especially large scale as part of the investigation into the case of thief in law Shakro Molodoy) found out that there was no fake lease agreement at all It was. According to him, “Buzharovo” in 1996 did not lease, but bought the land plot into ownership, and the deal with “Nerl” was crystal-clear. They lagged behind Klyachin, and the delighted governor of the Moscow Region, Gromov, shortly after the termination of the case, awarded the acquitted official with a badge “For Merits to the Moscow Region”.

The questions that arose from the materials of the Ministry of Internal Affairs audit – and they even included the number of the lease agreement, the authenticity of which was questioned by the employees of the Department for Combating Organized Crime and Terrorism of the Ministry of Internal Affairs of the Russian Federation – remained unanswered.

After the “Buzharovo” affair, Klyachin gained a reputation of an invulnerable and influential landlord.

The “Sekret Firmy” magazine described in detail the most common schemes used in land-grabbing at that period. “Obviously, enterprises whose shares are dispersed among many shareholders who own expensive property and are burdened with debts, do not pay dividends to their shareholders, have highly profitable businesses and are located in corrupt regions”, – wrote “Sekret Firmy”. Most of these points included companies that inherited the lands of the former Soviet state farms.

“Usually invaders start an attack by buying up “dust” – small stakes from minority shareholders”, – described the procedure the “Sekret Firmy” magazine. “Together with the “dust”, the raider receives not only comprehensive information about the enterprise, but also the ability to put a spoke in the wheels of the CEO and the main owners. Thus, in accordance with the “Regulations on maintaining the register of registered securities holders”, the owner of 1% of shares has the right to receive an extract from the fresh register of all shareholders of the enterprise and the size of their blocks of shares. The owner of 10% of the shares has the right to convene an extraordinary meeting of shareholders with the agenda he needs – this is the key moment of any takeover. A 30% stake is sufficient for a quorum at a repeat meeting of shareholders. In a word, he disrupted the first meeting of shareholders – and any decision at the next meeting is a priori in your pocket. If a company has more than 51% of its shares scattered among many shareholders, it is as good as lost. Such an enterprise can be taken without a hand’s turn”.

After the “Buzharovo” case, Alexander Klyachin decided to work on the image – “Nerl” was sold to a certain investor from the UAE. KR Properties began to develop the hotel business – in particular, the “Azimut” brand of hotels.

Although in the development business, Alexander Ilyich sometimes used the methods worked out on state farms near Moscow. In 2011, ProfGruppBusiness, associated with it, reconstructed a five-storey administrative building at 9A Komsomolsky Prospect, in the very center of Moscow. The developer added two additional floors and bay windows, increasing the area of the building by 1.5 thousand square meters and sold them as apartments. An excellent business, considering that the cost per square meter in this area of the capital in those years started from 10 thousand dollars.

However, in 2016, the State Inspectorate for Real Estate established that all these floors and bay windows are arbitrary construction, which is subject to demolition.

In 2011, the media reported that CAE “Khimki” – the owner of the lands of the liquidated state farm “Path to Communism” put up for sale land plots along the Moscow-St. Petersburg toll road, which was laid despite the resistance of environmentalists, defenders of the Khimki forest. A year later, the same CAE “Khimki” filed an application with the arbitration court, challenging the legality of the transaction to alienate a plot of land from him with an area of 20 hectares, on which IKEA built two business centers.

The fact that the fact of alienation at the initiative of the government of the Moscow Region happened in the fall of 1993, 18 years before the filing of the lawsuit, also made the lawsuit piquant. However, the plaintiff argued that all this time he simply did not notice how two huge buildings were built on his land, in fact there was no land acquisition, as well as the IKEA lease agreement with the state, and thieves Khimki officials had stolen the land from him. number.

In the courts, representatives of the Khimki agricultural enterprise claimed that they were the legal successors of the Soviet state farm. But there were no peasants from the state farm “Path to Communism” in the structure of the owners of the Khimki agricultural enterprise – this became possible thanks to the use of another popular dubious scheme, when during the reorganization of the target of attack a twin company appears – with practically the same name and exactly the assets of the company undergoing reorganization are transferred to it by assigning its OKPO (General Classifier of Enterprises and Organizations) and OGRN (Primary State Registration Number) codes to the “twin company”.

Traces of the company’s departure from its shareholders from the state farm can be traced in the arbitration cases of 2004-2007, when the former owners of the shares, merged into the “Alterna” LLC company, tried to restore their rights to the land of CAE “Khimki” through the courts, but to no avail. The intercession of State Duma deputy Alexander Khinshtein did not help either. Kommersant reported that in 2006 he applied to the prosecutor’s office with a request to check the ownership of the CAE. According to his version, the enterprise could obtain ownership of the land “by means of armed seizure”. The shareholders of the state farm, who remained with nothing, wrote about the same to the prosecutor’s office, but they did not achieve the result.

True, the degree of Aleksandr Klyachin’s participation in the actions to “take away” the land from the former shareholders is not entirely clear – most likely in those years when the company was replaced, he was not yet involved in this matter. But later, a huge piece of golden Khimki land ended up in his hands, and he must bring money. Sheremetyevo wants to expand – negotiate with CAE “Khimki”. If someone wants to make money on a toll road to St. Petersburg, make an agreement with the Khimki agricultural enterprise… A deal with IKEA 18 years ago? You can try to turn back time. Moreover, lawyer Natalya Veselnitskaya, known for her connections in law enforcement agencies and a scandalous meeting with Trump’s son, can bring support. And the shareholders should butt out.

How Ebikes Can Help Save Our Environment

0

Electric is the way to go, something which a majority of us might’ve realized. Most of the conventional gadgets and appliances which have been utilized in the past have gone through an update, and are now mostly fully electric, or use electric power in one way or another. One of the gadgets that have gone through such an update is bicycles. The conventional way of pedaling has been replaced, and now bicycles are controlled by electricity through integrating an electric engine, which helps achieve propulsion. These bicycles have now adopted the name Electric bicycle or E-Bikes to be specific.

First things first YES!! Electric bicycles are good for the environment. E-bicycles utilize electric force, alongside the human ability to push them forward. The Environmental Protection Agency assesses that a normal gas traveler vehicle out and about today has a mileage of around 22 miles for each gallon, and cruises all over 11,500 miles annually. With such figures, the agency infers that each fuel consumed will create 8,887 grams of carbon dioxide. This isn’t useful for the environment, given carbon dioxide’s impact on the actual environment, and is also an ozone-harming substance, causing global warming. Electric bicycles have made significant progress, to such an extent that they deliver zero fossil fuel byproducts. This is accomplished by charging the bicycle’s battery using green, or sustainable energy.Top 13 environmental benefits of riding an Electric Bicycle: –

Utilize Sustainable Energy

To shield the environment, we need to change our choices. These are essentially done by utilizing inexhaustible and sustainable energy. Solar-based energy is the favored feasible and clean energy seeing that it comes from the warmth of the sun, which is limitless and renewable. Electric bicycles can have the option to burn through or work on sun-based energy, making them 100% environmentally feasible and generally excellent for the environment.

A Healthy Environment for Healthy Humans

It is suggested that you ride a bicycle for more than two hours every week. Any bicycle, both ordinary and contemporary can help accomplish this. Riding to work daily, could help accomplish the suggested amount or even outperform it. It is believed that individuals who ride a bicycle to work could encounter a 39% lower pace of mortality.

Energy Efficiency

E-Bikes have exceptionally amazing figures in contrast with customary methods for transportation. In the US, e-bicycles are multiple times more energy-proficient than SUVs or 4x4s, multiple times more energy-effective than a Saloon vehicle, and multiple times more energy-productive than rail.

They Produce Zero Emissions

Unlike other powered types of transportation, e-bicycles do not utilize gas and diesel, which discharge fossil fuel byproducts into the climate. Electric bicycles depend on both human and electric energy, where the electric energy is battery-powered. Additionally, if the battery was charged using renewable and green energy it would be 100% harm-free to the environment.

Preservation of Roads

E-bicycles, in contrast to other vehicles, are exceptionally light. Accordingly, they don’t exert as much pressure on the streets. At one point the damage caused to streets will require fixes that require significantly heavier vehicles, which release harmful gases into the environment.

Replacing Conventional Vehicles

E-bicycles are essentially wiping out ordinary bicycles. Both don’t deliver any outflows and are preferred for the environment over vehicles. Nonetheless, electric bicycles are more eco-accommodating than their outdated partners, and thus will dominate more. Additionally, they don’t get stuck in traffic like cars and other vehicles. They also help keep people fit.

Ease of Travel

Electric bicycles provide you the accessibility that other vehicles don’t. They are little, light, and can without much of a stretch handle unpleasant landscapes, making them phenomenal for going mud romping on your trips. A few parks currently permit guests to ride e-bicycles, which can be used when touring new places. The introduction of a Fat Tyre Mountain Bike adds to the ease and accessibility in rough terrain. This adds to one’s affection for nature and motivation to save the environment.

Don’t contribute to environmental pollution

E-bicycles, as we must have already understood, give zero emissions. This implies they don’t deliver the poisonous gases and exhaust clouds that bring about respiratory and other medical issues. All things considered, electric bicycles don’t add to air contamination, which means they are truly useful for metropolitan territories.

Combat with Covid-19

A few reports portray that the current Covid pandemic was brought about by environmental elements. It, accordingly, interprets that a jeopardized environment was too feeble and thusly achieved a dangerous infection that has taken a large number of lives up until now.

E-bicycles can help battle the pandemic severally. They offer an opportunity for moderate activities. E-cycling can guard you since you will travel alone in a protected distance. It can assist individuals with prior conditions, like heftiness and type-2 diabetes, which makes individuals more helpless against Coronavirus. It additionally adds to better cardio and emotional well-being.

They have Long-Lasting batteries

E-bicycles depend on batteries to create an electric flow. However, the issue is discarding these batteries, particularly in landfills, prompting environmental waste. Fortunately, e-bicycles use batteries that can keep going for a long time and can be recycled.

Eco-friendly Travel Option

Electric bicycles are multiple times more productive than riding a train. They additionally offer a greener transportation choice and the capacity to travel alone whenever wanted. Taking the train or transport implies you will be in a jam-packed space with different travelers, who may be sick and more dangerous in times of Covid. Additionally, with the widespread availability of the Folding Electric Bike, it’s space-friendly and easy to manage too.

Reduction in Personal Carbon Footprint

As overwhelmingly credited in this article, electric bicycles produce zero emissions, can depend 100% on environmentally friendly power, don’t contaminate the air, and have an extremely insignificant impact on the streets. All things considered, changing to riding an E-bicycle will bring down your carbon impression, compared to other forms of travel.

Charging at off-peak hours

At the point when you charge any gadget, you draw power from the grid. To keep away from putting strains on the grid, you can select to charge your electric bicycle during off-peak hours. This will help prevent potential blackouts and outages which could cause environmental damage.

Electric bicycles have plenty of advantages. They are profitable, generally to the human body, to society, and obviously to the environment. They help improve blood flow, work with pressure discharge, and are ideal for aiding families bond.  So it’s about time to take care of yourself and the environment by riding E-Bikes.

The history of the emergence and development of gaming. How the sphere moved from a regular to an online format

0

Now mankind can not imagine their life without gambling and casinos, but in fact once they were forbidden and to strengthen as a stable way of entertainment, they had a huge and difficult way.

The history of casinos

Despite the fact that many of us associate the emergence of casinos with the business of the American mafia in the 20th century, the history of games goes far back in time. References to gambling, dice and cards are found in many peoples and cultures many hundreds of years ago. Some historians believe that gambling originated in 2300 BC in China. Others argue that in the tombs of the ancient Egyptians were found similar dice to the modern ones. Others cite the example of the Roman Empire, where gladiatorial fights and chariot races, contributed to the appearance of totalizators non gamstop casinos.

Europe

One of the first gambling establishments was the Casino Ridotto, which opened in 1639 in Italy. It was located to the left in the Venetian church of St. Moses and was intended to keep gambling under control during the annual spring festivities. The casino was notable for its extremely high prices and crude selection of visitors, with only the nobility allowed inside.

Later, a gambling house was opened in France by order of Cardinal Mazarini, which served to fill the coffers of the kings. It was then that the roulette game first appeared.

In the early 18th century gambling establishments were opened all over Europe. Noblemen are not ashamed to spend huge fortunes in them. Many families were ruined because of a predilection for card games. For this reason, in the late XIX century, governments across Europe begin to ban casinos and close institutions. The only place where it was allowed to play became Monaco with its famous casino Monte Carlo.

America

In the early 19th century the first casino opens in America. Later, in many U.S. cities opened saloons, where visitors were invited to play. The greatest love of the people is the game of Blackjack, known in our country as “Twenty-one” or “Score”, and poker. The casinos flourished until Andrew Jackson, who banned gambling in the country, took over the reins.

Since the restriction was imposed, casinos have existed for a couple of decades, but outlawed. Prohibition restricts gambling establishments everywhere, the only exceptions being Nevada and New Jersey. Nevertheless, the business of gambling is not dead, but continues to exist on Indian reservations and on ships plying the waters of the Mississippi, and certain types of games become legal in all states as time passes. Later the largest casinos would be erected in Vegas and Atlantic City. In today’s world, only Utah and Hawaii remain under complete prohibition.

Russia

Playing cards in Russia appeared in the XVII century, but immediately found themselves under a ban. At that time, people were beaten for playing with a whip, broken fingers, prescribed fines. Later card games were divided into authorized and not authorized. For authorized – Bridge and Preferance, where the winning depended largely on the skill of the player. Prohibited games included lotteries, roulette, and point.

The heyday of gambling was in the early 2000s, when a huge number of casinos began to operate across the country. But just a few years later, in 2009, a law regulating gambling business is issued and casinos are closed or moved to legally permitted gambling zones.

CIS countries

At the same time in Kazakhstan and Ukraine are coming out their own bills on banning. But if in Ukraine the complete ban of casinos according to the results of sociological survey is considered to be unsuccessful, in Kazakhstan, as well as in Russia, it means the creation of allowed gambling zones, which, in their turn, have already started functioning successfully.

Development of online casinos

Nowadays, no one will be surprised by a site where you can play gambling for free. Nowadays, online casinos are quite widespread, there are quite a few relevant sites that are already known as reliable gaming sites (for example, play-maxcasino.com). And if now many online casinos actively attract new users with the possibility of free games (as on the page http://play-maxcasino.com/x-men-scratch/ of the already mentioned site) or all sorts of lotteries, then once such resources were a novelty for Internet users new non gamstop casinos.

The first company that started to provide online gambling services was the American game developer Playtech. The first online casino appeared in 1996, and it was called Europa Casino. It did not take long (about a year) for the first bookmaker’s office to appear, focusing exactly on the virtual sector. For the history of Internet gambling, the year 1998 was marked by the growing popularity of the respective sites among the public. This was partly dictated by the fact that many online casinos introduced such a concept into games as the “progressive jackpot”. Essentially, it is a summation and gradual increase in potential winnings. This approach quickly piqued the interest of even those who were not previously interested in gambling. In addition, interest in such entertainment is also dictated by the fact that winnings in online casinos are often much larger than in conventional gambling establishments. For example, the largest win at an online casino was $8,000,000 – an unprecedented amount for a regular casino (here, as a rule, the figures go up to $3-4 million). It makes sense, because when you open an online casino, the investment is much less (the development of even an expensive site, it is pennies compared to the purchase of furniture, staff wages and preparation of the room), and therefore the payback period is less. Accordingly, the gains can be more substantial. Among other things, the real casino you may be forbidden to play, if the administration suspects you of fraud. The sites simply do not have such a possibility technically, so everyone can play here. Even if your country has a legal ban on gambling, if the casino server is located in another country, the user can always go and play.

Now the network has more than 15,000 online resources, which have chosen to specialize in gambling. There are both world-renowned casinos and young services. One thing is certain, the interest in online casinos, even if a little decreased recently, but remains stable, which means that this area will continue to evolve.

Conclusion

Now the casino is a full-fledged way of entertainment and everyone can enjoy a few hours of exciting game, for this you just have to go to any online casino or go to the nearest gambling establishment.

The Simple 50-30-20 Rule To Save Comfortably

0

The simple 50-30-20 rule to save comfortably. The plan divides income into three broad categories: needs, wants, and savings and investments.

Managing the household finances is a challenge many times . However, applying a certain order from the moment we enter money can give us a perspective of how our finances are and how far we can go.

That’s what the 50-30-20 strategy is based on , a simple rule, similar to that of Harv Eker or envelopes.

The objective is that, from the day we receive income, to know what is the spending threshold that we can undertake in each of the three main items , something that can also serve to identify problems, if we need to earn more money, or cut expenses.

The plan divides income into three broad categories: needs, wants, and savings and investments.

50% of the income must be used for essential needs
This category includes all essential expenses such as rent, mortgage payments, food, taxes, utility bills …

If the necessary expenses account for more than half of our income, we may have to cut expenses or use the other categories.

Another 20% should go to savings and investments
This category includes liquid savings, such as an emergency fund, retirement savings, or ultimately goals of adding money with the idea of ​​not touching it until it is time for your mission.

Experts often recommend having enough cash in your emergency fund to cover three to six months of living expenses. For example, if we are left without work, and that this fund goes ahead of, for example, another type of savings destined to buy a car or make a reform.

The remaining 30%, now yes, for whatever we want
The latter category includes everything that is not considered an essential expense, such as travel, subscriptions, dining out, shopping, and general entertainment.

This category can also include unnecessary improvements: a new mobile even though the current one works, or high-priced clothing.

There will never be a one-size-fits-all approach to managing money at home, but strategies like this can be a good starting point if this is your first time getting closer to controlling expenses at home.

A Simple Introduction to Asset Management

0

A company invests in numerous assets over the course of its development and growth. Even the smallest one-person companies have purchases to keep track of, like computers, smartphones, and even company cars. Learning what asset management tools can do for your company in the early stages of its growth is a great way to ensure that you’re properly leveraging your investments over the years. The right software solution will be an easy-to-use and effective way of tracking how your employees are using crucial equipment. It also ensures that you can plan more accurately for impending maintenance requirements and additional purchases.

How Does Asset Management Software Work?

Asset management tools come in a range of shapes, sizes, and formats, intended to solve various common business problems. The key aim of one of these tools is to give you more information about the assets in your company. For instance, you could use a tool to track how often teams in your company use your conferencing equipment to book meetings with clients.

Alternatively, larger businesses might rely on things like real-time telematics tracking to ensure their vehicles and fleets are well-protected and utilized throughout the company. Many of these tools are designed with extra solutions to make them more appealing these days. For instance, you can find software that automatically creates visual reports on asset information which you can share with your stakeholders.

There are solutions that come with AI and machine learning tools to assist you in making informed decisions about the lifecycle of various resources in your company too. Some solutions come with automation elements so you can automatically assign service tickets to maintenance staff when a product needs to be repaired or automate the purchase of new resources and supplies when you run out. You can even run constant real-time analytics of your most valuable products so that you know straight away when something might be going wrong.

Why Should All Companies Invest in Asset Management?

Assets are tools owned by your business which help you to accomplish important tasks and achieve your goals. You purchase these tools for a reason, and asset management solutions can ensure that you’re getting the most value out of every purchase. With the right software solution, you can track all of your essential items in one centralized hub, making it less likely that you’ll lose track of expensive business resources.

Within that environment, you can identify potential risks to assets and the people using them and look for ways to reduce those risks and prolong the asset’s lifecycle. You can also use your monitoring system to effectively plan maintenance schedules, updates, and purchasing strategies that won’t disrupt your company’s performance. The right technology will give you an insight into how long each purchase will last in your company, and how you can get the best outcomes from your investment, before you need to remove or replace it. You might even find ways to improve the efficiency and performance of your team, by changing the way they access assets in your repertoire.

Escrivá Raises New Quotas For Freelancers From 90 To 1220 Euros

0

The Government proposes that the self-employed pay fees of between 90 euros and 1,220 euros per month when it begins to apply the new contribution system based on income. Self-employed workers who earn the least will pay less and those who earn more, higher amounts, in a scheme distributed in 13 sections.

And, according to the Government’s calculations, on average a self-employed person would pay 275 euros per month . This is the offer that the employers and unions have on the table right now, according to a document that Cadena SER has advanced and to which EL PERIÓDICO has had access.

This is the approach of Minister José Luís Escrivá , but not that of the social agents, whose positions are still very distant.

Escrivá said in his appearance on Wednesday that a first agreement on pensions was “imminent”, although it will not include the details that have emerged this Thursday on the new proposal for the self-employed. The approach already transferred weeks ago of postponing the entry into force of the system until 2023 and that it was not at full capacity until 2032 was no longer liked by part of the table.

And the sections and amounts between 90 and 1,220 euros are not to the liking of all parties either. The agreement looks distant in this area and the details that have transpired will change if Social Security wants to close it with an agreement.

According to the scheme designed by Escrivá’s negotiators, the transition between one model and another would be progressive. Right now the minimum fee, with the flat rate, is close to 60 euros. And it progressively rises to a minimum price of about 288 euros per month .

With the new system, the flat rate would disappear and the self-employed with lower incomes, that is, returns of 3,000 euros per year or less (250 euros per month), would pay 90 euros. And, at the other extreme, those who had returns of more than 48,841 euros per year (4,070 euros per month) would pay 1,220 euros per month of installment. An amount similar to the 1,245.45 euros that currently represents the maximum fee that a self-employed person can pay.

In other words, according to Escrivá’s scheme, those who pay the flat rate would pay more, those who have run out but have little income would pay less and those who earn more would pay the same. However, the crux of the matter lies in that middle band in which the majority of the 3.2 million self-employed currently operating in Spain would move.

These would go on to pay according to their income, when right now eight out of 10 pay according to the minimum base (regardless of whether they earn a lot or a little).

If we take into account the median (that is, the approximation to what a self-employed person would pay more frequently), the differences between what they pay now and what they would pay with the new scheme would not be many. Well, currently most pay the minimum fee, 288 euros, and the median with the new system would be 275 euros.

According to preliminary calculations that the Government has been transferring to social agents during the months that they have been discussing this matter, a self-employed person would end up paying, on average, a fee of 275 euros per month . Well, according to those same calculations, the net return among the group is 23,140 euros per year.

There would be 459,906 freelancers who would pay those 90 euros; another 599,945 workers who would pay between 90 and 185 euros; another 1.3 million that would pay between 235 euros and 545 euros and the remaining 800,000 that would either pay between 670 and 1,220 euros or Social Security is not able to fit them into any range.

Negotiation in progress
Escrivá raises this system of tranches to employers and unions, with an approach to reviewing it every three years during that adaptation period between 2023 (when it intends for it to come into force) and 2032 (when it wants it to be at maximum performance).

There are agents sitting at that table who openly reject Escrivá’s proposal. Others frown on some parts, such as the fact of his long transition period, but others favorably. The common point is that they do not buy Escrivá’s latest proposal in full and this will lengthen the negotiations.

Although the reform of the self-employed contribution system was within the second block of reforms that Escrivá intends, friction in this matter may cause alterations in the consensus on the first block, regarding the formula for revaluation of the pension system. The “imminence” of the agreement on that front may not be such due to differences on this issue.

  • bitcoinBitcoin (BTC) $ 116,381.00 0.2%
  • ethereumEthereum (ETH) $ 4,585.91 1.55%
  • xrpXRP (XRP) $ 3.08 1.33%
  • tetherTether (USDT) $ 1.00 0%
  • bnbBNB (BNB) $ 983.92 2.54%
  • solanaSolana (SOL) $ 244.88 3.58%
  • usd-coinUSDC (USDC) $ 0.999710 0.01%
  • staked-etherLido Staked Ether (STETH) $ 4,580.85 1.6%
  • cardanoCardano (ADA) $ 0.909861 3.45%
  • tronTRON (TRX) $ 0.343103 0.07%
  • avalanche-2Avalanche (AVAX) $ 31.90 6.17%
  • the-open-networkToncoin (TON) $ 3.12 1.13%
Enable Notifications OK No thanks