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This document outlines contribution rates for social security in Spain from 1997 to 2009. It lists the contribution rates broken down by type of coverage (healthcare, disability, retirement, etc.) and who pays (employer, employee, total). The rates generally decrease over time for most categories and range from 1.5-8% total depending on the year.
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This document analyzes problems encountered by a company called GWS Consultoria Empresarial. It finds that the most common problem is "TROCAS", which accounts for 26.79% of issues and has a frequency of 75. Other major problems include "OUTROS 3", "AVARIAS", and "DEVOLUÇÃO". The document then calculates the average frequency and percentage of three groups of problems to determine the relatively largest problems faced.
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1. The document compares returns of GICs, stocks, bonds, gold, and US stocks over Canadian dollars from 2000-2010.
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- Shorebird futures were up 0.4% and trading at 679. Guar gum and guar seed declined 1.5% in trading. Jeera futures fell 1.16% to 13477.
- Technical indicators show Chana futures prices making lower lows but momentum indicators making higher lows, suggesting an upcoming trend reversal to the upside.
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El documento resume la importancia y funciones del empaque de un producto. Explica que el empaque protege y preserva el producto, ayuda a venderlo diferenciándolo de la competencia, y permite el almacenamiento, uso y disposición del mismo. Las tres funciones principales del empaque son: 1) contener y proteger el producto, 2) promocionarlo, y 3) facilitar su almacenamiento, uso y disposición.
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The document summarizes the results of a survey of 406 organizations about the types of health care plans they offer employees. It finds that:
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Key figures calculated include:
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- The average implied growth rate from January 2010 to present is 9.74%
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The document also shows implied growth rate is not strongly correlated with other macroeconomic factors.
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WatchOver - Alzheimer's Caregiver Wearable Technology
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Staff Demand and Shift Bidding
Poor man's workforce management tool. Will allow you for use forecasted demand to schedule shifts by week. Will allow you top optimize individual shifts for breaks and lunches as well as communicate shifts to your staff.
http://flevy.com/browse/business-document/Staff-Demand-and-Shift-Bidding-19
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Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
快速办理(RWTH毕业证书)德国亚琛工业大学毕业证录取通知书一模一样
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◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Economic Risk Factor Update: June 2024 [SlideShare]
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真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
原版定制【微信:bwp0011】《(nwu毕业证书)美国西北大学毕业证学位证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Monthly Market Risk Update: June 2024 [SlideShare]
Markets rallied in May, with all three major U.S. equity indices up for the month, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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高仿英国伦敦艺术大学毕业证（ual毕业证书）文凭证书原版一模一样
原版一模一样【微信：741003700 】【英国伦敦艺术大学毕业证（ual毕业证书）文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Dr. Alyce Su Cover Story - China's Investment Leader
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https://www.britannica.com/event/Expo-Shanghai-2010
China’s official organizer of the Expo, CCPIT (China Council for the Promotion of International Trade https://en.ccpit.org/) has chosen Dr. Alyce Su as the Cover Person with Cover Story, in the Expo’s official magazine distributed throughout the Expo, showcasing China’s New Generation of Leaders to the World.
Ending stagnation: How to boost prosperity across Scotland
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Tablas imss
- 1. Del Patron Del Asegu-rado Total Del Patron Del Asegu-rado Total 01-jul-97 13.90% - 13.90% 6.00% 2.00% 8.00% 01-ene-99 14.55% - 14.55% 5.51% 1.84% 7.35% 01-ene-00 15.20% - 15.20% 5.02% 1.68% 6.70% 01-ene-01 15.85% - 15.85% 4.53% 1.52% 6.05% 01-ene-02 16.50% - 16.50% 4.04% 1.36% 5.40% 01-ene-03 17.15% - 17.15% 3.55% 1.20% 4.75% 01-ene-04 13.90% - 13.90% 6.00% 2.00% 8.00% 01-ene-05 18.45% - 18.45% 2.57% 0.88% 3.45% 01-ene-06 19.10% - 19.10% 2.08% 0.72% 2.80% 01-ene-07 19.75% - 19.75% 1.59% 0.56% 2.15% 01-ene-08 20.40% - 20.40% 1.10% 0.40% 1.50% 01-ene-09 20.40% - 20.40% 1.10% 0.40% 1.50% vsmgdf vsmgdf 15 15 15 15 15 15 15 15 15 Vigencia Enfermedades y Maternidad Prestaciones en Espcie Cuota Fija Excedente
- 2. Del Patron Del Asegu-rado Total Del Patron Del Asegu-rado Total Del Patron 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% 0.70% 0.25% 0.95% 1.05% 0.375% 1.425% 1.75% Factor año 15 1.5 1.0452 1 15 2 1.0466 2 15 2.5 1.0479 3 15 3 1.0493 4 15 3.5 1.0507 5 15 3.5 1.0507 6 15 3.5 1.0507 7 15 3.5 1.0507 8 15 3.5 1.0507 9 15 4 1.0521 10 15 4 1.0521 11 15 4 1.0521 12 15 4 1.0521 13 15 4 1.0521 14 15 4.5 1.0534 15 15 4.5 1.0534 16 15 4.5 1.0534 17 15 4.5 1.0534 18 15 4.5 1.0534 19 15 5 1.0548 20 Unica Enfermedades y Maternidad Invalidez y VidaPrestaciones en Dinero Gastos Medicos Pensionados
- 3. Del Asegu-rado Total Del Patron Del Asegu-rado Total Del Patron Del Asegu-rado 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% 0.625% 2.375% 1.00% - 1.00% 2.00% 0.00% Retiro Invalidez y Vida Guarderias y Gastos de Prevision Social Retiro
- 4. Total Del Patron Del Asegu-rado Total Total 2.00% 3.15% 1.125% 4.275% 8.00% 2.00% 3.15% 1.125% 4.275% 7.35% 2.00% 3.15% 1.125% 4.275% 6.70% 2.00% 3.15% 1.125% 4.275% 6.05% 2.00% 3.15% 1.125% 4.275% 5.40% 2.00% 3.15% 1.125% 4.275% 4.75% 2.00% 3.15% 1.125% 4.275% 4.10% 2.00% 3.15% 1.125% 4.275% 3.45% 2.00% 3.15% 1.125% 4.275% 2.80% 2.00% 3.15% 1.125% 4.275% 2.15% 2.00% 3.15% 1.125% 4.275% 1.50% 2.00% 3.15% 1.125% 4.275% 1.50% Retiro Cesantia y Vejez Retiro