Кризис сильнее всего ударит по украинской молодежи

Из-за экономической ситуации и резкого подорожания доллара украинские заемщики могут стать неплатежеспособными. Наиболее чувствительными к кризису являются молодые люди в возрасте 30-39 лет.

Об этом свидетельствуют данные опроса, проведенного компанией GfK Ukraine.

Украинцы в возрасте 30-39 лет являются наиболее чувствительными к кризису из-за того, что именно среди них наибольшее количество людей, выплачивающих долгосрочные кредиты на авто и недвижимость (5%).

Для сравнения, часть потребителей кредитов на авто и недвижимость среди всего населения Украины старше 16 лет составляет 2%.

В то же время, молодежь в возрасте 20-29 лет являются наиболее активными пользователями потребительских кредитов (19%). Респонденты в возрасте 30-39 лет также активно пользуются потребительскими кредитами (14%).

Эти же группы имеют и наиболее высокий уровень дохода. 43% респондентам в возрасте 20-29 лет и 41% в возрасте 30-39 лет хватает денег на питание, одежду, обув и другие покупки (костюм, мобильный телефон, пылесос, прочее). Но, для покупки верей, которые стоят дороже (телевизор, холодильник), а также для таких покупок как машина, недвижимость, они должны либо экономить, либо одалживать.

Одной из главных проблем украинских заемщиков является резкое подорожание доллара (на 30% в сравнении с летом 2008 года), что может привести к неплатежеспособности по валютным кредитам. Долгосрочные кредиты в валюте составляют 60% от общего объема кредитов, которые были выданы физическим лицам.

В таких условиях, отмечают в компании, НБУ должен поддержать население и предприятия, которые имеют долгосрочные валютные кредиты, а не только коммерческие банки.

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Некоторые физлица освободят от единого налога

Правительственный Налоговый кодекс предусматривает уменьшение количества налогов и сборов. Об этом сегодня сообщила заместитель министра финансов Татьяна Ефименко.

"Всего было 48 налогов и сборов, которые каждый налогоплательщик должен уплатить, сейчас такое количество составляет 19", - добавила она.

Политик также отметила, что согласно предлагаемого Кодекса, плательщики единого налога, физические лица, которые будут иметь объем поступлений в течение года до 300 тыс. гривень, будут освобождены от единого налога.

"Введя такую льготу для единого налога, одновременно мы ввели положение, согласно которому каждый гражданин отчисляет в Пенсионный фонд свою сумму, которая будет равняться сумме минимальной заработной платы. Это будет минимальная сумма, которая позволит человеку получить пенсию", - сказала Т. Ефименко.

 

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В Украине заработали новые бюджетные правила

Новый Бюджетный кодекс Украины вступил в силу. Текст документа был опубликован в номерер газеты «Голос Украины» от 4 августа 2010 г.

Одобренный парламентом текст Бюджетного кодекса Президент Украины Виктор Янукович подписал 29 июля.

Документ предусматривает в том числе введение среднесрочного планирования, расширение сферы применения программно-целевого метода в бюджетном процессе, а также совершенствование управления долговой политикой.

Кроме того, в Бюджетном кодексе прописано исключительное направление сверхплановых доходов государственного бюджета на реализацию приоритетных инвестиционных программ и осуществление мероприятий, связанных с проведением социальных реформ, усиление финансового контроля над целевым и эффективным использованием бюджетных средств.

 

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One of the main times that students blow their diets is when they pull an "all nighter" which means that they stay up all night to do a paper or study for a big exam. They get hungry and order a pizza or fill up on coffee and sweets. For most students, all nighters are a fact of life, which in terms of eating means that late night snacking will be a fact of life as well. Therefore, if students pick the right snacks, they will gain less weight.

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The fitness magazines keep telling you to perform these types of workouts where you do the typical 3 sets of 12-15 reps or so. The problem is that these body-part specific workouts are based on age-old bodybuilding folklore of the past that will not work for those who need to burn stubborn body fat.

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What to Eat, When to Eat and Eating Healthy

You are fat and out of shape and look like a football and people often call you a couch potato. Is this what you want to be? Or you want to look fit and healthy always full of life and vigor. The choice is yours. The only way out is to add a regular exercise regime in your everyday routine for gradual weight loss. Just exercising without any guidance and proper diet control is not going to take you anywhere close to your goal.

The aim of leading a healthy life should start with a proper plan of exercising and diet control. As a beginner for achieving a healthy body does not restrict you from getting the maximum out of your workout regime. The plan must include a chart of 'What to eat When to eat' and a chart of 'When to exercise' to enable you to get the maximum out of the workout plan you want to follow for weight loss.

You must understand that choosing a proper time to eat is equally important as eating a meal. Eating before an exercise will always make you feel worse with problems like sleepiness, indigestion, sluggishness and even cramps and an overall bad health. Similarly if you have no food at all you will be too weak for exercise and may faint or feet tired all the time. It is important to follow some guidelines for eating if you have the intention of weight loss. Following are some basic guidelines but these may be modified depending upon your body response and personal experience.

The first principle of healthy eating is that a large meal should be always eaten at least three to four hours before the exercise and where you are in for a light meal you must have a two to three hours gap between the meal and exercise.

The second principle of healthy eating is simply avoiding eating fat in any form as much as possible.

The third principle of well thought eating is to drink a lot of water while you exercise as this will not allow you to dehydrate and keep your body cool.

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How to Be a Lovely Lady Without Losing Weight

You can actually be a very lovely lady without having to lose weight and look thin or slender. This article will tell you how to take care of yourself if you are female and do not want to lose weight but still be and look lovely.

Most of society has placed a stigma on women who are on the large side. Most women who are large hardly find ready-made clothes that can fit them. Our society has not grown to tolerate having fat females as models to display fashionable wears. The society has also not accepted watching fat females act lead roles in popular movies or treat robust women as celebrities to be admired on the catwalk. These societal norms impact negatively on the psyche of fat women and always keep them on the defensive wherever and whenever issues of weight is discussed.

There is nothing to be ashamed of if you are fat and on the large side. However, due to the health concerns associated with being fat and heavy, you should have to tone down to remain healthy and free from the terminal and dangerous diseases linked to being fat.

If you want to remain a lovely lady without losing weight, you must take care of your health needs. I will advise that you:

1. Exercise yourself at least three times a week for about 30 minutes each exercise session.



2. Gradually reduce the amount of calories you consume on a daily basis to maintain and return your shape to normal (where you have been deformed by excess fat)



3. Wear dresses that promote your good points but hide your defects



4. Reduce the consumption of fatty foods and junk meals to prevent the scourge of diabetes, high blood pressure, heart diseases and other conditions associated with being fat.



5. Live an active instead of a sedentary life



6. Consume natural foods that are not cooked. You can add fruits to your normal diet.



7. Use natural and herbal weight loss pills to regulate your weight and avoid obesity



8. Do not wallow in self-pity. Live your life as best you can and do things that make you happy and looking forward to the next day with joy and great expectations

You can still be a lovely lady without losing weight if you adhere to the points listed above. You may have other tips of your own to help you remain lovely and healthy regardless of your size and weight. The bottom line is, are you happy with the way you look? You should.

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