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5 Life Insurance Scams You Should Be Aware Of

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The most beneficial feature of life insurance is that it ensures your loved ones have financial support after your demise. The coverage amount can be used for varied purposes like your children’s education, settling liabilities, or any other purpose of your beneficiary’s choice. Buying a life insurance policy is now easier than ever, with prominent life insurance companies selling policies online. However, you face the risk of being lured into life insurance scams when you choose to buy your policy from insurance company websites.

Insurance expert Gary P. Cubeta from Insurance for Final Expense recommends verifying the website’s authenticity before you buy a life insurance policy online.

Fake Online Quotes

In this kind of scam, the insurance company website uses fake quotes as click baits. The intention is to get users to submit their personal information in exchange for details about the quote. The personal information is then sold to insurance agents who use it to promote their business. The quotes presented on the website may be considerably lower than those provided by other insurance companies. You may want to watch out for insurance quotes that look like they are too good to be true.

Identity Theft Scams

Sometimes, scammers pose as insurance companies or insurance agents to execute the scam. The scammer may initiate a conversation with you and extract sensitive information from you under the pretense that the information is for a life insurance policy. Unassuming users may submit their bank details and other private information under the false presumption of applying for life insurance.

Professionals like Gary P. Cubeta from Insurance for Final Expenses assert it’s best to avoid submitting details like your SSN, PIN, and other account details online if you want to avoid exposure to life insurance scams. Confirm the identity of the insurance provider or agent before giving them any valuable information.

Identity theft scams may take the form of false insurance websites or fake insurance agents. Scammers may employ special measures that make it difficult for others to trace their identity. Legitimate insurance companies and agents will most likely not ask for your credit card information online.

Scammers may even run elaborate false websites that resemble the website of a reputed insurance company in the country. They may post similar logos, taglines, and descriptions to trick potential victims. The website may even offer policies that require no medical verifications or attractive offers for people with pre-existing conditions.

Issues with Your Present Life Insurance Policy

Scammers may send you emails or messages stating an issue with your current life insurance policy. The email may tell you that the insurer did not receive your last premium or that you will receive an additional bonus if you submit your credit card information. The email may resemble the regular emails that your insurance company usually sends.

Experts like Gary P. Cubeta from Insurance for Final Expenses advise customers to cross-check the authenticity of the information with their insurance company and their insurance agent before submitting details and responding to any emails relating to their insurance policy to avoid life insurance scams.

Declaring You as the Beneficiary

You may receive emails or calls telling you that you have been registered as the beneficiary of someone’s life insurance policy. The scammer will trick you into believing that you are eligible for benefits of another person’s policy and that the said person passed away, leaving you eligible to claim insurance benefits. The scammer may ask you to submit personal information like your SSN or credit card details to claim the amount. 

Overselling a Policy 

Insurance agents work for a commission. The higher the price of the policy you choose, the higher will be the agent’s commission. The commission charged by the agent is typically based on the premium of the life insurance policy.

Insurance agents trying to earn high commissions may trick you into buying expensive life insurance policies that you do not need. The policy will give you the promised benefits, but it will contain clauses and conditions that serve you no benefit.

Clauses like the double indemnity rider clause and the waiver of the premium rider clause may be completely irrelevant. The average cost of life insurance coverage in the US is approximately $125. The number could be higher for older applicants. Overspending on terms and conditions that you do not need will further increase your life insurance coverage cost.

Consider working with an expert insurance consultant to better understand the terms of your policy before buying it.

Get the Help of Insurance Experts

Working with expert insurance consultants can minimize the possibility of you falling prey to life insurance scams. Consultants can put you in touch with reputed insurance agents and insurance providers and help you with the application process. Experts can also educate you on different life insurance policies you can buy and the benefits of each of those policies.

Coronavirus pandemic – the perfect time to get your TEFL certificate

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Yes, you read the title correctly, this pandemic has created a situation which is perfect for something positive – in this case it’s achieving your TEFL cert. The C19 virus outbreak has changed so much about our lives that it’s almost impossible to remember what ‘normal’ used to be, and especially about travel. With self-isolation rules in full flow if you’re returning to the UK from a designated country, and travel forbidden to others, globe-trotting is definitely out of the equation for now. Sadly, all dreams have fallen by the wayside – so what can be good about this situation?

Well, look at it as if it were an advantage to you. Have you been planning to become TEFL qualified for a while but it’s never been the right time? Or maybe you’ve been putting off the leap into the unknown because it’s just been too scary. If so, now is absolutely the right time to re-consider your position. The teaching English industry has been quick to use the current climate to its advantage. The rules around education, work and travel have changed, but the industry has been moving fast to make the most of any opportunities afforded to it. A quick run through of the benefits of getting a TEFL certificate include being able to teach students worldwide, you can work from home without compromising your official role, you’ll have a job that neatly sidesteps any recession and you can set your own timetable. What’s not to love about that?

But why is NOW the right time?

  1. Simply put – education is always going to be something that people invest in. The need for education across the board is never going to go away, it’s a firmly established industry that has plenty of scope for growth in all directions.  Qualified teachers are always in high demand and the wheel of education is not one that’s going to stop turning. No matter what the state of the worldwide economy is, education will (quite rightly) be prioritised as an investment in the future. And not just in a local sense, this is a feeling that stretches across the globe. Owning material things has ceased to become so popular now that people are seeing how superficial it all is, and instead creating opportunities out of whatever is available has become the forerunner in the popularity stakes.
  1. Once you’ve qualified you can add your TEFL cert. to your CV and make extra money with the skills you’ve learned. These skills are transferrable ones and can be practised teaching adults and children alike.
  1. It can make your professional life flexible. Yes, we know that this is a point which is always raised as a bonus to studying for your TEFL certificate, but there’s a reason for that – because it’s SO true! Online teaching is probably the most versatile career that you could have and your time is your own to sculpt into a pattern that suits you. So that means if you’re keen on visiting (or moving to!) a rather remote location you’ll be able to keep up and keep earning through online teaching. This is going to be an especially valuable skill if you’re going somewhere where there aren’t many professional roles available.
  1. You can say goodbye to cabin fever! The hamster wheel of employment can feel like a long, hard slog to get through. Doing the same thing day in, day out, possibly with a horrible commute and long hours at a job you don’t especially like. If that sounds like you then you’re probably desperate to try something else, but you’re not in a position to plunge into financial uncertainty. If planning to explore the globe has always been on your bucket list, or if it’s a desire that has surfaced recently, then qualifying as EFL teacher is the perfect industry to get into and work at as you travel. You can meet new people and experience other cultures, secure in the knowledge that online language teachers will always be in demand.
  1. Comparatively speaking you can start earning money really quickly. Not as quickly as you would in a more menial, lower paid job that anybody can do, but quickly in terms of beginning a new career. You could be embarking on it in as little as six weeks once you’ve earned your TEFL certificate. Teaching online allows you to meet people across the world without leaving your house. Some might say it’s a gateway into opportunities you never knew existed. 

When you’re considering your TEFL aspirations it’s important to choose your course with the future in mind and what you want to have. Do you want to complete a course that supports graduates in their job search? Some course providers offer lifetime support to their graduates. Do you want a course with extra online teaching instruction so you can hit the ground running and be more confident about your newly-learned skills? Some courses provided by overseas programs come with visa assistance which is useful if you’re thinking of working and living there in the future.

There’s a heavy load of bonuses about going down this path and it’s possible to really make it work for you within your life, almost no matter what your commitments. There aren’t many careers that are this flexible so if it’s something you’ve always thought about then seize the opportunity during this pandemic when there’s not much going on, and you might have been furloughed, to complete a TEFL course which promises so much for your future.

Dominique Grubisa: Should I Buy From her?

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These days buying goods and services is easier than ever before. Long gone are the days when you would drive around town to browse through stores to try things on before you bought. That tangible, sensory experience has been replaced by the excitement and adrenaline rush of online catalogues, flashy sales videos and the opportunity to buy from retailers around the world with the click of a button, not to mention the added convenience of having your goods dropped off to your doorstep. We are addicted to the retail fix albeit via a different medium in our ever-evolving digital world.

We have become so accustomed to not only trusting the online shopping process and the marketing messages conveyed to us by businesses, that we simply take for granted that, what is being offered will be what’s delivered. So, what if what you ordered, wasn’t what was delivered? In some cases we might look to return the product, but as with most of us, depending on the price point, we simply put it down to experience and suck it up. But what if you are outlaying thousands of dollars for a program or service from someone you’ve never met or seen before. What if that someone is Dominique Grubisa, CEO and founder of the DG Institute. Should you be buying from her?

Building a brand these days is paramount to a business’ success and core to this success is the delivery of quality products and services, their fulfilment, timely delivery and a high standard of customer support. It can be challenging to maintain a level of excellence that your customers have grown to expect. The businesses that take on these challenges and make them core to their central ethos are the ones that do well. But simply doing well as a business is not enough these days, it’s your client’s outcomes and the value added for them by your offering that are the true benchmark by which a business should be measured. This is an expectation that Dominique Grubisa has put front and centre at the DG Institute.

As a practicing lawyer for over 27 years, 22 of those as a barrister, Dominique Grubisa built a reputation for herself as a trusted legal professional who forged a career around the high standards of integrity and honesty expected by the legal establishment. A reputation that is the cornerstone of the DG Institute, a company Dominique founded in 2009 and built around a simple premise – to empower everyday Australians to grow and protect their wealth.

Having experienced first-hand the destructive effects caused by the global financial crisis, Dominique realised the “system” did not provide people in similar situations – those battling insurmountable debt, any real alternative to situations like – business loans being called in by banks, mortgagee lenders repossessing homes and individuals facing bankruptcy. Regrettably, the only people benefitting from the fallout were lawyers and insolvency experts. It was at this point Dominique realised she could use her legal expertise, personal hands-on experience with debt and her understanding of how the legal system worked, to offer many Australians who would otherwise have been deemed a casualty of war, an opportunity to rebuild their lives without the destructive consequences of bankruptcy and the burden of lingering debt. She did this with her flagship product  – the Master Wealth Control “Vestey Trust”. An asset protection trust structure designed by Dominique herself with the intention of providing a more cost-effective price-point than that usually charged by lawyers. To date, Dominique Grubisa has helped over 12,000 people protect and grow their wealth, to not only survive but to thrive.

Fast forward to 2021, the DG Institute has developed into a diverse centre for learning, continuing Dominique Grubisa’s mission to empower everyday Australians to take control of their lives through education programs in areas which include property investment and development, business, personal growth and wealth protection. The intended goal behind these programs is to provide people with a clear path for personal development, the tools for achieving their full potential in their chosen investment pursuits and to offer motivation and inspiration from a like-minded community. In addition to her programs, which were designed and developed by Dominique herself, she also saw the need to provide her clients with a full compliment of professional services, fully backed by regulatory certifications, industry association licencing and supported by highly qualified and experienced staff. These professional divisions include DGI Lawyers, to ensure clients have their commercial and contractual interests prioritised, protect their assets effectively and undertake succession planning for future generations, DGI Accounting, providing advice on and implementing strategies to grow and protect wealth by delivering end-to-end finance function services, DGI Debt Management, to provide a customised approach to helping clients handle their outstanding debt situation and DGI Finance, to offer holistic support throughout the loan process all the way through to settlement. The result, a premium all-in-one experience, whereby the company is united in delivering excellence for their clients’ entire wealth journey.

So to put it simply, know that when you buy from Dominique Grubisa’s DG Institute, you aren’t just buying a product or service, you are buying with confidence in the knowledge that your product or service is based around sound legal principles, leading industry resource data, comprehensive education programs, relevant professional indemnity insurances and the full support of industry subject matter experts delivering reliable, accurate and timely services and programs empowering every-day Australians and their families to thrive.

Government And Social Agents Will Evaluate The Formula For Raising Pensions

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The soap opera of the revaluation of pensions could close the chapter. The Government and the social partners will carry out, within the framework of social dialogue, a periodic evaluation every five years of the effects of the new formula for the revaluation of pensions with the CPI, to which the Minister of Inclusion, Social Security and Migrations finally agreed. , José Luis Escrivá , for the maintenance of purchasing power.

This is reflected in the draft agreement on pensions sent yesterday to unions and employers to which Europa Press has had access . The aforementioned evaluation of the effects of the annual revaluation will be transferred to the Toledo Pact and “will contain a proposal for action if it is necessary to correct any deviation to preserve the maintenance of the purchasing power of pensions,” according to the text.

This additional rule, included in the reform of the new revaluation formula, has the reinforced objective of preserving the maintenance of the purchasing power of pensions and guaranteeing the economic sufficiency of pensioners.

The new revaluation system will guarantee the maintenance of purchasing power through the increase in pensions on January 1 of each year in accordance with the average inflation registered in the previous year. In addition, it is collected that in the case of negative inflation, pensions “will not suffer any reduction, leaving that year unchanged.”

On the other hand, on the reducing coefficients that apply to early retirement , the text says that the reducing coefficients corresponding to retirement for reasons not attributable to the worker will be applied in those cases in which the person who retires early voluntarily is receiving unemployment benefit for at least three months before.

The draft states that, in order to reinforce the equity of this type of pension, the reducing coefficients will be applied to the amount of the pension, respecting the maximum limitation. In addition, the elimination of the regulation so far applicable in the cases in which the theoretical pension was above this limit will be done progressively over a period of 12 years .

“This forecast, together with future increases in the maximum pension during the transitional period, will serve to absorb the effect of the measure for those workers who contribute above the maximum pension,” says the text, which specifies that its application is conditioned to the subsequent determination of that path of raising the maximum pension.

Reductions for early retirement
For those with contributions for less than 38 years and 6 months, advancing their retirement by 24 months will mean a reduction of between 21% and 3.26% (1 month before); For those with more than 38 years of contributions and 6 months, but less than 41 years and 6 months, the maximum reduction will be 19% (24 months) and the minimum of 3.11% (1 month).

For its part, the reducing coefficient will become 17% if those with contributions over 41 years and 6 months, but less than 44 years and 6 months, retire two years earlier. If they do it a year before, the reduction will be 2.96%.

Finally, those who are more than 44 and a half years old will have a reduction of 13% for retiring two years earlier, but this will be modulated as they approach their age of access to retirement and will stand at 2.81% a year before.

On the other hand, regarding involuntary early retirement , modifications are introduced to the causes of contractual termination that give the right to access this modality, the applicable coefficient on the pension will be determined per month in advance of retirement and not per quarter.

In addition, in relation to the two years immediately prior to the ordinary retirement age, the same coefficients are applied in the determination of the involuntary early retirement pension as in the voluntary modality in those cases in which the new coefficient is more favorable than the one currently in force.

Additionally, the reducing coefficient corresponding to each of the six months prior to the ordinary retirement age is lowered with respect to those proposed for voluntary retirement.

Indicators of dangerousness or distress
On the other hand, it indicates that the modification of the application procedure for early retirement is agreed due to the activity and the indicators of danger or hardship that determine access to this type of early retirement are specified in greater detail.

In addition, it establishes that the requests to initiate the procedure must be formulated jointly by the most representative trade union and business organizations; or by trade union organizations and the corresponding administration when the procedure affects public administration personnel.

With regard to applications already submitted, the Ministry of Inclusion, Social Security and Migration will establish a calendar for the resolution of the files.

Delayed retirement and active retirement
In the case of delayed retirement, the draft provides that contributions will not be made for common contingencies, except for temporary disability, as of the ordinary retirement age that corresponds in each case.

It also offers three types of incentives for delayed retirement, to be chosen by the worker, for each year of delay: an additional percentage of 4% (which will be added to the corresponding percentage according to the number of years contributed and will be applied to the respective regulatory base for the purpose of determining the amount of the pension); a lump sum (single payment) depending on the amount of the pension and rewarding the longest contribution careers, or a combination of these two measures. The single payment will range from a minimum of 4,786.27 euros to a maximum of 12,060.12 euros.

On the other hand, a condition for accessing active retirement will be required for at least one year after reaching the ordinary retirement age.

Within a maximum period of twelve months, the Government will review, within the framework of social dialogue with trade union and business organizations, this type of retirement in order to correct the differences existing between special regimes and systems and favor the maintenance of the activity of older workers, while preserving the sustainability of the system.

Forced retirement clauses are prohibited
Regarding forced retirement, the draft contemplates the prohibition of the conventional clauses of collective agreements that determine the forced retirement of the worker due to the fulfillment of an age lower than 68 years, but those that would have been included in collective agreements may be applied to the protection of the legislation until now in force as long as they remain in force.

With the aim of favoring the permanence of older workers in the labor market, the pension reform contemplates establishing a 75% reduction in employer contributions to Social Security for common contingencies during the temporary disability situation of those workers who they would have turned 62 years old.

Among the measures to improve the quality of the protective action, the draft states that, in six months, a review of the regulatory framework for access to the widowhood pension of common-law couples will be addressed within the framework of social dialogue in order to to approximate the conditions of access of this group to that of couples constituted in marriage.

The safeguard clause will remain in its current regulation indefinitely, so that it extends its effects beyond January 1, 2022, guaranteeing coverage of all the people that it was originally intended to protect with the aforementioned clause. With this extension, all workers who left the labor market in the previous crisis will be allowed to apply the pre-existing retirement regime before the 2011 pension reform.

Spain Expects 45 Million Foreign Tourists This Year

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Spain expects 45 million foreign tourists this year. Minister Maroto considers it “prudent” and “realistic” to estimate that half of the prepandemic visitors will come.

Optimism regarding tourism . Spain expects to receive 45 million foreign visitors this year , as anticipated by the Minister of Industry, Reyes Maroto , during the presentation of a campaign to promote the country of car this summer.

Last season, the sector registered a collapse of 80%, from 83.5 million tourists in 2019 as a result of restrictions due to the coronavirus pandemic . Previously, the Executive had already estimated that it expected to reach half of the pre-pandemic levels this same year.

“It is a prudent forecast , it is realistic to recover half of the international tourists we receive in 2019,” Maroto said at a press conference. Before covid-19, Spain was the second world tourist destination.

The ministry has precisely launched a promotional campaign to which it allocates about 8 million euros, to return to being an attractive destination, despite the obstacles caused by the pandemic. The Government trusts that the acceleration of the vaccination process will forge the image of a safe destination.

The campaign has the slogan ‘You deserve Spain’ and is aimed at the United Kingdom, France, Germany, Italy, Belgium, Holland, Poland and Sweden. The minister has stressed the importance of British tourism and has asked the authorities of that country to allow visits to State territories with low incidences.

The United Kingdom has not included Spain among the 12 countries that have the ‘green traffic light’ to travel with practically no restrictions on the return. Maroto has said that he hopes that in its next review, Lonsres will take into account the epidemiological differences between the territories and allow travel to areas with low accumulated incidences of covid , such as the Valencian Community.

Recognition Of Sustainable Innovation Of SMEs And The Self Employed

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A recognition of the sustainable innovation of SMEs and the self-employed. The Fundació Antigues Caixes Catalanes and BBVA announce the second edition of an award that distinguishes companies with good environmental practices.

The Predictive Company, Cargobici, Oimo and Shotl are the firms that are up for the award.

The preponderance of SMEs in the Catalan and Spanish business fabric is well known. Up to 99.8% of the country’s companies are included in this category , although companies considered small – from 10 to 49 workers – and medium – from 50 to 249 workers – are also a minority, and only represent a little more. 6% of the companies, while the rest are micro-businesses and self-employed.

In response to this reality and with the aim of promoting business innovation in the field of sustainability, the BBVA Award for Environmental Innovation for SMEs and Self-Employed was launched in 2019 .

This year the second edition of the award is celebrated, the winners of which are chosen taking as a reference the 2030 Agenda for Sustainable Development, established by the United Nations General Assembly, and its 17 Sustainable Development Goals (SDG) , with special attention to the that focus on the environment.

The award is convened and co-organized by the Fundació Antigues Caixes Catalanes and BBVA, and also has the collaboration of the Fundació Pimec, CECOT, the Col·legi d’Economistes and EL PERIÓDICO .

4 FINALIST COMPANIES
In the second edition of the awards, 36 projects were presented, from which 4 finalists were selected.

This is The Predictive Company (TPC) , a spin-off of the Polytechnic University of Catalonia that has developed energy efficiency software for buildings; Cargobici , a start-up that offers last-mile logistics solutions in the urban environment; Oimo , an emerging new materials and ecodesign company specializing in the development of sustainable biodegradable marine packaging; and Shotl, a firm that helps transportation operators and cities make better use of their bus system by replacing low-occupancy routes with on-demand transportation systems.

The winner of the award will be announced during a closed-door event at the Recent Modernista in San Pau on Wednesday, May 19 at 5:00 p.m. , and can be followed live through this link .

During the award ceremony, the presentation SMEs and the SDGs: a business opportunity, too , will be given by Mireia Cammany , vice president of PIMEC and deputy general director of EPI industries family of companies. The conference will focus on the economic environment derived from the 2030 Agenda and how this context can represent a business opportunity for SMEs.

A Platform Is Born Against Opacity In European Funds

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Spain will receive over the next five years a total of 142,000 million euros from NextGeneration EU funds for post-covid reconstruction and (a part of) citizens want to know who takes them, why they and not others and what they use them for.

This Wednesday the Open Generation EU platform was presented in society , formed by a group of researchers and activists who demand more transparency from the Government in the management of these funds and to guarantee an “auditable process for citizens” so that they do not remain only in large companies and “reach SMEs, the self-employed and the social economy.”

“We want to be able to know for whom these funds are going, for what, and to be able to control whether the objectives set in the [Recovery and Resilience] Plan are being met,” said Sandra Vicente , one of the platform’s spokespersons.

From Open Generation EU they denounce the lack of resources in control bodies, such as the Independent Office for the Regulation and Supervision of Procurement ( OIReScon ); that it only has 12 workers to supervise all the public contracting derived from the arrival of those 142,000 million.

In this sense, the speakers recalled that the Council of State published a report in which it assured that there were clear deficiencies in the guarantees of control and transparency in the law that will regulate the management and allocation of funds.

For this reason, they have urged the Government to provide more resources to the transparency portal and the administrative litigation courts , in the event of possible complaints of violation of the criteria for the allocation of said funds.

“It is a lot of money, they are going to ask us for a lot of reforms in return and it is the last opportunity to undertake the social, ecological and economic transformation,” added Emma Avilés , another of the spokespersons.

The Open Generation EU spokespersons have warned of the risk that part of the management of European funds ends up falling on private consulting firms, thus deriving a significant part of public resources to pay for these services.

An example of this, as they have stated, is the 1.5 million euro tender that the Ayuso Administration announced on May 5 so that, in just two days, the consultants will apply to advise the Community of Madrid on the management of EU funds. “If these funds are to modernize the public administration, why do we outsource it to private consultancies,” Avilés asked himself.

Congress has a vote pending
Open Generation EU has been presented in society this Wednesday, although it has been working with different political groups in Congress in recent months to introduce amendments and modify the royal decree approved by the Executive that will govern the governance of the funds.

As a result, Más País and CUP have already registered their amendments; while ERC, Bildu and C’s have transferred to them that they will do the same with theirs shortly.

However, the spokespersons have criticized that the Bureau of Congress has not yet set a date for voting on these amendments to modify the current rules for the management and governance of European funds.

And they warn that, if said vote is postponed for a longer time, the allocation and implementation of said funds will be carried out with a royal decree approved by the Government, but without the supervision of the parliamentary groups.

Open Generation EU is a platform that has the support of 27 civil society organizations , such as Intermón Oxfam, Ecologistas en Acción, Xnet, Political Watch and the Public Debt Audit Platform (PACD); among others.

4 Out Of 10 Companies Do Not Comply With Registration Of Working Day

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4 out of 10 companies do not comply with the registration of the working day. UGT de Catalunya denounces that an important part of the companies does not comply with the obligation to effectively control the working time of their staff and that half do not pay overtime

Two years after the entry into force of the mandatory working day registration , four out of ten companies do not comply correctly with the standard. This is derived from a survey conducted by UGT among its affiliates and published this Wednesday, which confirms a broad breach of the obligation of companies to effectively control the working time of their staff.

The data are in line with the balance that the Labor Inspection data allows, according to which two out of every three companies do not pass a review in terms of working times .

From the UGT they denounce that there are a significant number of companies that do not comply with current regulations and that the coronavirus has not contributed to the directions being applied in this matter. According to data compiled by the INE union, more than 4.3 million overtime hours were worked in Catalonia in 2020 .

Of these, half were not paid. A flow of unpaid work that, according to the union’s calculations, would create 2,600 jobs throughout Catalonia and represent a loss for the public treasury of 124 million euros.

Having a working day record but that the ‘official’ hours that leave at the end of the day are not the same as those that have actually been worked is the most common non-compliance detected by the central. 19.9% ​​of those surveyed by UGT affirm that they work more hours than those registered. And then there is another 13% who do not directly register their day.

The Telework has been a novelty that has distorted routines in businesses and one of the victims of this has been the record day. Well, according to the UGT survey, half of the people who started practicing remotely stopped registering their working hours properly; Either because before they operated with a manual signing and stopped doing it, or because once after signing they continued teleworking.

From the central they consider that the scarcity of resources of the Labor Inspectorate is one of the reasons that the implementation of this law still presents clear gaps. Like the low amount of infractions, punishable by amounts of up to 6,262 euros per company , regardless of the size of its workforce.

How Long It Takes For A Laid Off Worker To Find Job

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Caixabank-Bankia, Banco Santander, El Corte Inglés, Airbus, BBVA, Coca Cola, Douglas … large Spanish companies are carrying out this year the Employment Regulation File (ERE) to reduce their workforce, which affects thousands of workers.

Some of them will be able to take advantage of pre-retirement processes, but many of them will have no choice but to look for a new job.

Obligation when EREs affect more than 50 staff members
As established by the legislation, in this type of process, whenever it affects 50 or more people of the workforce, the company is obliged to contract a repositioning program.

From Adecco they explain that the outplacement programs are accompaniment processes for all those professionals who, due to various circumstances, are forced to leave the companies.

“The main objective of these career transition programs is none other than to guide said professional in his new stage, define his objective, promote the improvement of his employability and generate new professional opportunities that fit his expectations in the shortest possible time” , they emphasize from the company.

Are outplacement programs really effective?
LHH, the Adecco Group consultancy specialized in accompanying organizations in their transformation processes, has been analyzing their outplacement programs for 15 years. And they finish the outplacement programs by studying the nearly 5,000 candidates they served during 2020.

According to Marcos Huergo, director of LHH Spain: “After one year of the pandemic it has been shown that, in the process of searching for a new job, outplacement programs are more necessary and effective than ever. The data reflects that in 2020 78% of our candidates found a new job in less than a year and 88% of them did so through long-term contracts ”.

One year after the pandemic, outplacement programs have proven to be more necessary and effective than ever

Employment battered by coronavirus
From Adecco they emphasize that “one year after the pandemic began, employment is still battered, the impact of the third and fourth wave of coronavirus infections has been harsh, and Spain is close to four million unemployed. In addition, there are almost 750,000 workers who are still at ERTE ”.

6.3 versus 12.2 months: the difference between attending the programs or not
For all this, they emphasize the importance of outplacement programs, since while the professionals relocated in this way take an average of 6.3 months to find a job again, the rest of the unemployed Spaniards (who are not covered by these programs ) spend on average twice as long, specifically 12.2 months.

Broken down by periods, we see that 24% of relocated people have taken less than three months to occupy a new job, down 14 percentage points compared to the last year (38%). Subsequently, most of the relocated (30%) relocate between the fourth and the end of the sixth month.

That is, 54% of 2020 candidates have been repositioned in the first 6 months from the start of the plan. This percentage has dropped significantly when compared to 2019, which was 86% (-32 pp), largely due to the extreme situation that occurred last year as a result of the health crisis and which caused more destruction than job creation in our country.

Finally, another 24% have obtained a job in a period that goes from the 7th to the 11th month of the program (+10 pp compared to 14% in 2019). This implies that 78% of the candidates immersed in a relocation process in 2020 have found a job in a period of less than a year, Adecco emphasizes.

Banks, the majority sector of origin of the candidates
According to the XV LHH Report on Outplacement, the sector from which the most candidates in these outplacement programs come is banking, since 24% of the participants in these processes came last year from that sector, affected by numerous staff adjustments.

In second place, but far behind, is the automotive and transport sector, with 15%. This is followed by the pharma-chemical and biotechnology sector, whose candidates account for 10% of the participants.

Below 10%, there are workers from the sectors of industrial manufacturing and services, IT and telecommunications, retail and the public sector. Less protagonism in these programs are workers who come from sectors such as energy and construction, which are around 5%.

Below that 5% are consumer services, the manufacture of consumer products, and the real estate sector. Each of these areas brings together between 4% and 3% of the participants.

The 5 Worst Sports Betting Blunders to Avoid

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In sports betting, it’s difficult to win every time, even if you do everything right. No amount of preparation, research, or evaluation can prevent you from losing almost half of the time if you’re lucky.

With that out of the way, there are a few gambling blunders that cannot be excused under any circumstances. Make a few of them, and you’ll exhaust your bankroll in the blink of an eye. Let’s take a look at a few such faux pas.

5 Unforgivable Gambling Blunders

1. Betting on Heavy Moneyline Favorites – Everyone likes a guaranteed win, especially when gambling. The problem is, there is no such thing as a sure win. Anytime you place a Moneyline bet on a team you think won’t lose, you’re risking far too much for an opportunity to win too little. Most punters learn that there are no shortcuts to winning money the hard way. In fact, you should bet on the underdog to improve your odds of utilizing the Moneyline.

2. Chasing a Loss – Let’s be honest; nobody likes to lose. If you’re not familiar with the term “chasing a loss”, it means to try and recover money lost on previously wagers. Everyone is susceptible to chasing losses simply because it’s human nature. Unfortunately, it’s an excellent way to erode your bankroll and must be consciously avoided. As long as you stick around to fight another day, you’re improving your chances of winning.

3. Lack of Research – Regardless of the sport you’re betting on, it’s important to stay updated with relevant information on the participating teams. There’s nothing worse than sitting down for a game only to realize that the squad’s missing a few key players. It barely takes a couple of minutes to preview a game. That’s the bare minimum you should do before picking sides. Once you have all the required resources for sports betting, your odds of winning increase dramatically.

4. Bankroll Mismanagement – This one is perhaps the most critical blunder of all. If you don’t have a bankroll, you aren’t ready to become a profitable sports bettor. A bankroll is simply the pool of money that you’re comfortable wagering. Once that’s in place, you need to determine what percentage of the bankroll you’ll willing to risk on every bet. For instance, if your bankroll is $1,000, It’s a good idea to wager between 2% and 5% of the amount.

5. Using Your Heart – Gambling is an inherently emotional affair, and this is especially true for sports betting. When you bet on the outcome of a game, you’re investing in the performance of the entire squad. Therefore, it’s a good idea to avoid betting on your favourite team. You might have been successful in the past, but there is no guarantee of a rerun. This is the callsign of an amateur punter as habitual gamblers know that betting with the heart is the best way to kill the sports betting business.

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