The countdown for the most important change is the countdown for the most important change since the introduction of the euro in German payments runs, but only a few companies, authorities and associations have taken so far it. Most lag behind significantly scheduled specifications to the single euro payments area (SEPA) in the implementation of the binding and on the 1st February 2014. This shows the current survey SEPA implementation in Germany, conducted by ibi research now for the second time in six months mountain, the Bank-Verlag and InterCard together with van den. The software update received too late, technical problems, disease-related failures by responsible employees, obtained by the daily business or simply underestimated the scope there are many reasons why companies are not yet ready for SEPA a few months before the final conversion. But SEPA stands directly outside the door and the time running out of many companies, organizations and associations, because the European Legislation that already as of February 1, 2014 the existing national transfer and direct debit schemes be abolished. At that time, the SEPA credit transfer and the SEPA direct debit must be binding used. Utilizing extensive organizational and technical adjustments however is required for the part: especially for large enterprises, the successful launch of SEPA represents a high cost.
You expect an effort by average 1,654 person-days in contrast to small companies with an average 84 and medium-sized enterprises with 359 person-days. This adaptation of the internal systems and obtaining written direct debit mandates, according to the study, are among the biggest challenges. Despite the warnings, most of the steps to migration will be only in the fourth quarter. This means that first test transactions, as well as the main switch and the completion of remaining works are therefore often late. Direct debit inputs but fail due to a delayed transition, may 27 Percent of respondents already within five days from the lead to liquidity problems.
That’s why you should use strongly the remaining three months, until February 1, 2014 successfully to cope with the changeover. Top experts at the ibi seminar show how you can do it, on October 22 in Berlin compact and practical shape on the basis of live demonstrations. The joint event by van den Berg, EFiS and ibi research at the University of Regensburg offers sufficient opportunity for questions.
This is the reason to reflect and Government of our country. Ukraine has slipped to last place in Europe for salaries. At the same time the price level we have is the same as in the same Europe. In recent years, our country was a shortage of cooking oil, rice, buckwheat – the main food of their diet every Ukrainian. Nonsense for Ukraine – import buckwheat, this native of our products, from China. And grits are not the highest quality and best taste characteristics. Is increasingly becoming hostage to the global trade market and speculations of politicians.
Every year in Ukraine falls in agricultural production. Last year, the cereal harvest fell by almost 15% compared with 2009. According to statistics, in 2010, an 8% increase in the production of sunflower oil. It is true that 83% of the total production of the product was exported. It may be that all that will be grown up, already will be sold for a year forward, as it was in Ireland in the XIX century, when England bought up the entire potato crop in this country, causing a famine there, which resulted in a hungry winter killed more than 1 million people. Every year in Ukraine, an increasing number of the urban population. This figure has already reached 70% of the total population of the state.
Ukraine has always been an agrarian country. For our parents' usual occupation was working in home gardens. What we have today? System destruction of the agricultural sector at the global and private levels. Due to the rapid development of economic performance before 2008, the state of living also improved. In this new generation for the past 10 years due to improved financial condition, wean mass physical work. Wages paid for sitting in the office and talking on the phone. A lot of physical work was automated and did not make sense to grow potatoes, as it cost much.
In human reality to such an extent a lot of nuances that are well versed in all, without exception, in principle, physically will not work. Right from childhood, we ask endless questions about all things you do not know, and so lasts until old age. Initially, we meet the mother and father, after teachers. Yet at times in this life comes a moment when no one else nearby can not answer your question. In this case, need to get into the reference books and encyclopedias. Quite recently, when and in encyclopedias is not subjected to the responses was give up and wait, and if your answer to the question prompts a man unexpectedly turned out to be close. On Today, interesting questions and answers people are capable in principle to set a different scale.
In a global network set aside a special forum portal for all those who have not yet ended curiosity. There is a possibility leave as complex issues that burdened from childhood, such as why milk is white, including a much more significant or simply a more sophisticated questions. It is the Internet, you can safely leave the questions to which do not know the correct answer. First of all, because no one you do not consider here. And if you leave the question of how to enlarge breasts at home – then this would not be able to find your home entrance, and meeting none of the neighbors will not poke a finger at you and laugh. Indeed, citizens have no right to such a degree educated, keenly felt, to feel that all the specific problems. And let's say you're on the Internet necessarily will discover like-minded people who probably know better than you in person and be able to help recommendation. Exclusively on the forums portals with proposed answers to tough questions and actually ask not legal issues.
For example, how to find someone by phone number free of charge. Few who wish to be found in this way. And do occur because extreme circumstances, when a certain person will take a very urgently to find, but you do not understand how. In a WAN may well find craftsmen who in the course and may be happy to share skills. But it is not always offered in such matters as clever. Sometimes we just want to know something that will allow us to adjust the simple lessons in everyday life at home. For example, asking how many years are able to live chinchillas, we just get the key, how long can we please playful fluffy pet. In general, formulating questions and getting answers, we are not just to satisfy curiosity. We offer the opportunity to improve our brains, be more inquisitive. How many more things we know moreover, in the most diverse areas, though generally not connected among themselves, the more solutions can think of getting into a difficult situation. And it's always a plus.
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