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Kugwiritsa ntchito bankirapuse ndi chida champhamvu chopeza ngongole. Ngati wobwereketsa samalipira ndipo zomwe sanatsutsane sizinatsutsidwe, pempho la bankirapuse nthawi zambiri limatha kugwiritsidwa ntchito kuti lipeze ndalama mwachangu komanso zotsika mtengo. Pempho la kubweza banki litha kutumizidwa ndi wopemphayo kapena pempho la m'modzi kapena angapo obwereketsa. Ngati pali zifukwa zosangalatsira anthu, Ofesi Yoyimira Milandu Yanthu Ikhoza kuperekanso bankirapuse.
Kodi nchifukwa ninji munthu amene amakongoletsa fayilo amatumiza ndalama kubanki?
Ngati wobwereketsa wanu alephera kulipira ndipo sizikuwoneka ngati kuti invoice yolipiridwa iperekedwa, mutha kulembetsa kuti bankirapuse yanu ithe. Izi zimawonjezera mwayi kuti ngongoleyo (mwina) iperekedwe. Kupatula apo, kampani yomwe ili pamavuto azachuma nthawi zambiri imakhala ikakhala ndi ndalama, mwachitsanzo, ndalama ndi malo. Pakakhala bankirapuse, zonsezi zidzagulitsidwa kuti ndalama zitheke kulipira ma invoice omwe adalipo kale. Pempho la kubweza ngongole la amene ali ndi ngongole limayendetsedwa ndi loya. Woyimira milandu ayenera kufunsa khothi kuti lidziwitse kuti wamanga ngongole wanu. Woyimira milandu wanu amapereka izi ndi pempho la bankirapuse. Nthawi zambiri, woweruzayo amaweruza kukhothi molunjika ngati wamangawa wanu akuti wabweza.
Mumakonda liti?
Mutha kuyimba kuti bankirapuse ngati amene muli naye ngongole:
- Ali ndi ngongole ziwiri kapena zingapo, 2 zomwe zimadziwika (nthawi yolipira idatha);
- Ali ndi 2 kapena kupitilira ngongole; ndi
- Mulimonse momwe iye wasiyira kulipira.
Funso lomwe mumakonda kumamva ndikuti ngati ntchito yofunsira bankirapuse imafuna wopitilira umodzi. Yankho ndi lakuti ayi. Wobwereketsa mmodzi atha kutsatira fkapena kuchepa kwa mangawa. Komabe, bankirapuse imatha analengeza ndi khothi ngati pali ambiri obwereketsa. Okongoletsa awa sikuyenera kuti akhale ofuna kulembetsa nawo. Ngati wochita bizinesi adzalembetsa bankirapuse yake, ndikwanira kutsimikizira pokonza kuti pali angongole angapo. Timazitcha kuti 'zofunikira zambiri'. Izi zitha kuchitika ndi mawu othandizira ena omwe adabweza ngongole, kapenanso ndi chidziwitso cha wobwereketsa kuti sangathenso kulipira omwe adamupatsa ngongole. Chifukwa chake wofunsayo ayenera kukhala ndi 'zothandizira pakuthandizira' kuphatikiza pazomwe akufuna. Khothi liziwonetsa izi mwachidule komanso mwachidule.
Kutalika kwa zochitika zakumabanki
Kwakukulukulu, khothi lanyumba yamilandu yopanda bankirapuse imachitika mkati mwa masabata 6 kupempha kuti aperekedwe. Lingaliro limatsata pakumvera kapena posachedwa pambuyo pake. Pakumvetsera, maphwando amatha kuloledwa mpaka masabata 8.
Mtengo wazowonongera
Pazochitika izi mumalipira makhothi kukhothi kuwonjezera pa mtengo wa loya.
Kodi njira yofikira ndalama imayamba bwanji?
Milandu ya bankirapuse imayamba ndikulemba pempho la bankirapuse. Woyimira milandu wanu akuyambitsa ndondomekoyi mwa kupereka pempho ku khothi kuti mupemphe omwe akukongola wanu akuti wabweza monga bankrupt m'malo mwanu. Ndinu wopemphapempha.
Pempho liyenera kuperekedwa kubwalo lamilandu komwe wobwereketsa alamulidwa. Kuti mulembetse kuti bankirapuse ngati wokongola, wokongoza ngongole ayenera kuyitanidwa kangapo ndipo pamapeto pake alengezedwe kukhala osakwaniritsidwa.
Kuyitanira ku makutu
Pakupita milungu yochepa, loya wanu adzaitanidwa ndi khothi kuti likamvere nawo mlanduwu. Chidziwitsochi chidzanena nthawi yanji komanso kuti kumvetsera kudzachitika. Wokongoza wanu adzadziwitsidwa.
Kodi wobwereketsa sagwirizana ndi zomwe apolisi amafunsa? Amatha kuyankha polemba kumbuyo kapena podziteteza pakamwa pomvera.
Kumva
Sichikakamizo kuti wobwereketsa azimvetsera, koma amalimbikitsidwa. Ngati ngongole siziwoneka, akhoza kulembedwa kuti sangasungire ndalama mwachilungamo.
Inu ndi / kapena loya wanu muyenera kuwonekera pamlanduwu. Ngati palibe yemwe akuwonekera pakumvera pempho akhoza kukanidwa ndi woweruza. Khotilo silikhala pagulu ndipo woweruza amapanga chisankho chake pakumvetsera. Ngati izi sizingatheke, chisankhochi chidzatsatira posachedwa, nthawi zambiri mkati mwa sabata limodzi kapena awiri. Lamuloli lidzatumizidwa kwa inu ndi wokongoza, komanso kwa oweruza omwe akukhudzidwa.
kukanidwa
Ngati ngati ndinu wokongola, simukugwirizana ndi makhothi omwe akukana chigamulo, mutha kukhazikitsa apilo.
Kugawidwa
Khothi litapereka pempholi ndikupempha wobwereketsa kuti ali ndi ngongole, amene ali ndi ngongole atha kukachita apilo. Ngati wobwereketsa apempha, kusowa ndalama kumachitika. Zogwirizana ndi khothi:
- Wobwereketsa nthawi yomweyo amakhala wopanda ntchito;
- Woweruza amasankha wothirira madzi; ndi
- Woweruza amasankha woweruza woyang'anira.
Pambuyo pobweretsa ndalama kubanki, munthu wa (mwalamulo) yemwe walembedwa kuti ali banki ataya kutaya ndi kuyendetsa katunduyo ndipo adzayesedwe wosavomerezeka. Wokolola ndiye yekhayo amene amaloledwa kuchitapo kanthu kuyambira pano. Wobwezeretsa adzakhala m'malo mwa bankrupt (munthuyo alengeza kuti ndi bankrupt), azitha kusungitsa ndalama zabanki zomwe zingawonongeke komanso asamalire zofuna za omwe angongole. Pakakhala mabanki akulu akulu, opimira madzi angapo amatha kusankhidwa. Pazinthu zina, wololera ayenera kupempha chilolezo kwa woweruza wowayang'anira, mwachitsanzo ngati kuchotsedwa kwa ogwira ntchito ndikugulitsa zotsatira zanyumba kapena katundu.
M'malo mwake, ndalama zilizonse zomwe wamangawa amalandila zikawonongeka, ziziwonjezedwa kuzinthuzo. Mwachizoloŵezi, wogulitsa ngongole amachita izi mogwirizana ndi wobwereketsa. Ngati munthu wamba akuti wabweza ndalama, ndikofunikira kudziwa zomwe zakhudzidwa ndi bankirapuse ndi zomwe sizili. Zofunikira zoyambirira komanso gawo la ndalama, mwachitsanzo, siziphatikizidwa ndi bankirapuse. Wobwereketsa amathanso kuchita zovomerezeka; koma katundu wa bankirapowo sali womangidwa ndi izi. Kuphatikiza apo, wothandizirayo atulutsa chigamulo cha khothi poyera polembetsa ku bankirapuse ndi Chamber of Commerce, ndikuyika zotsatsa munyuzipepala yadziko lonse. Olembetsa za bankirapuse adzalembetsa chigamulochi ku Central Insolvency Register (CIR) ndikuchisindikiza mu Government Gazette. Izi zimapangidwa kuti apatse mwayi kwa omwe angongole nawo mwayi wofotokozera wosungitsayo ndikupereka zomwe akufuna.
Ntchito ya woweruza wowongolera pamilandu iyi ndikuwunika momwe kayendetsedwe kazinthu zantchito yolowerera ndi zochita za wothirira. Potengera woweruza wowongolera, khothi likhoza kulamula kuti lilande bankrupt. Woweruza angathenso kuyitanitsa ndi kumva mboni. Pamodzi ndi wofukizira, woweruza amakonzekeretsa misonkhano yomwe amati ndi yotsimikizira, pomwe azikhala ngati tcheyamani. Misonkhano yotsimikizika imachitika ku khothi ndipo ndi chochitika chomwe mndandanda wa ngongole womwe umakonzedwa ndi wobwereketsa, ukhazikitsidwa.
Kodi chumacho chidzagawidwa bwanji?
Wobwereketsa amatanthauzira dongosolo momwe angongole azilandira: dongosolo la chiwongolero cha omwe abweza ngongole. Mulinso wamkulu motani, ndipamenenso mwayi woti mulandidwe monga wokongoza. Dongosolo la masanjidwewo limatengera mtundu wa ngongole omwe mukufuna kubwezera.
Choyamba, momwe zingathere, ngongole za katundu zidzalipidwa. Izi zikuphatikiza malipiro a wobwereketsa, lendi ndi malipiro atatha bankirapuse. Ndalama zotsalirazo, zimapita kuzinthu zamtengo wapatali, kuphatikizapo misonkho yaboma ndi zolowa. Zotsalira zilizonse zimapita kwa osatetezedwa ("wamba") omwe adalandira ngongole. Omwe adatchulapo kale amalipidwa, kupumula kulikonse kumapita kwa omwe adapereka ngongole. Ngati pakadali ndalama zotsalira, zimaperekedwa kwa omwe akugawana nawo ngati akukhudza NV kapena BV. Pakutha kwa munthu wachilengedwe, otsalawo amapita ku bankirapuse. Komabe, izi ndizapadera. Nthawi zambiri, sizikhala zotsalira za omwe adatetezedwa osatengera bankirapuse.
Kupatula: olekanitsa
Omwe amadzipatula ngongole ndi:
- Lamulo lanyumba:
Bizinesi kapena malo okhalamo ndi okhazikika panyumba ndipo wopereka ngongoleyo atha kubera ngongole yanyumba ngati sakulipiritsa.
- Ufulu wa lonjezo:
Banki yapereka chiwongola dzanja kuti ngati palibe ndalama zomwe zalandidwa, ili ndi ufulu wolonjeza, mwachitsanzo, pamndandanda wazamalonda kapena sitoko.
Zomwe akuti akufuna kudzipatula (zomwe mawuwo amatanthauza kale) zimasiyanitsidwa ndi bankirapuse ndipo zitha kudzinenedwa nthawi yomweyo, osangoyamba kudzinenera kuti wapanga ndalama. Komabe, wofukizira angapemphe wopatukana kuti adikire nthawi yoyenera.
Zotsatira
Kwa inu monga wokongoza, chisankho cha khothi chili ndi zotsatirazi:
- Simungathe kulanda nokha ngongole
- Inu kapena loya wanu mupereka zonena zanu ndi umboni waumboni kwa wofukizira
- Pamsonkhano wotsimikizira, mndandanda womaliza wa zolemba udzajambulidwa
- Mumalipira molingana ndi mndandanda wa ngongole za liquidator
- Ngongole yotsala ikhoza kusungidwa pambuyo pobweza
Ngati wokongoza ngongole ndi munthu wachilengedwe, nthawi zina zimachitika kuti pambuyo pobweza, wokongoza ngongoleyo atumiza pemphelo ku khothi kuti lisinthe ndalama zake kuti zikhale ndalama.
Kwa amene ali ndi ngongole, chigamulo cha khothi chili ndi zotsatirazi:
- Kulanda chuma chonse (kupatula zofunikira)
- Wobweza amataya kasamalidwe ndi kutaya chuma chake
- Kulemberana makalata kumapita mwachindunji kwa wotulutsa madzi
Kodi njira zamabanki zimatha bwanji?
Bankirapuse ikhoza kutha motere:
- Milandu chifukwa cha kusowa kwa zinthu: Ngati palibe zinthu zokwanira kulipira ngongole zina kupatula ngongole zanyumba, bankiratayo idzathetsedwa chifukwa chosowa katundu.
- Kuchotsa chifukwa cha kukongoletsa ndi omwe angongolere: Wosungirako banki atha kupereka lingaliro limodzi kwaomwe angongole. Lingaliro lotere limatanthawuza kuti bankirayo imalipira gawo limodzi mwa zomwe amafuna, zomwe amamasulidwa nazo ngongole zake zonse.
- Kuletsa chifukwa chogwirizanitsa mndandanda womaliza wogawa: ndipamene chuma sichikhala ndi kuchuluka kokwanira kugawa okongoza omwe sanatetezedwe, koma omwe amabweretsa ngongole patsogolo akhoza kulipidwa (mwa gawo).
- Kutsimikiza kwa khothi kugamula malinga ndi chigamulo cha Khothi Loweruza
- Kuchotsa pempho la bankirapamtunda ndipo panthawi yomweyo kulengeza momwe ntchito yobwezeretsanso ngongoleyo idzakhalire.
Chonde dziwani: Munthu wachibadwidwe amathanso kumangidwanso kumangongole, ngakhale banki itatha. Msonkhano wotsimikizira ukachitika, lamulolo limapereka mwayi pakuchitika, chifukwa lipoti la msonkhano wotsimikizirani limakupatsirani ufulu wa mutu wakupha womwe ukhoza kutsimikiziridwa. Zikatero, simufunikiranso kuweruza kuti mupereke lamulo. Zachidziwikire, funso likadalipo; zingapezekebe pambuyo poti bankirapuse?
Chimachitika ndi chiani ngati wokongoza ngongole sagwirizana panthawi yakubweza?
Wokongolayo akuyenera kuti agwirizane ndikupatsa womwimitsayo zonse zofunika. Izi ndizomwe zimatchedwa 'udindo wodziwitsa'. Wogulitsa katundu akulepheretsedwa, atha kutenga nawo mbali monga kufunsidwa ngati bankirapuse kapena kulowa m'ndende. Ngati wobwereketsa adachitapo kanthu asanalengeze kuti bankirapuse, chifukwa chomwe omwe adalemba ngongole ali ndi mwayi wochepa wobwezera ngongole, wozungulirayo atha kusintha izi ('bankruptcypauliana'). Izi zikuyenera kukhala zalamulo zomwe wobwereketsa (yemwe adasokonekera pambuyo pake) adachita popanda kukakamizidwa, asanalengeze kuti bankirapuse, ndipo pochita izi wobwerekedwayo adadziwa kapena adayenera kudziwa kuti izi zitha kubweretsanso ngongole kwa omwe adamupatsa ngongole.
Pankhani yovomerezeka, ngati wofukizirayo apeza umboni wosonyeza kuti otsogolera agwiritsa ntchito molakwika bungwe lovomerezeka, akhoza kukhala kuti ali ndi mlandu wokha. Komanso, za izi mutha kuwerenga m'mabuku athu akale: Mavuto a oyang'anira ku The Netherlands.
Lumikizanani
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Ntchito yolanda ndalama za Chidatchi komanso chida chopewa ndalama zachigawenga chafotokoza
Loyamba la Ogasiti, 2018, chiwopsezo chogwiritsira ntchito ndalama za Dutch komanso zothandizira kupewa zachiwawa (Dutch: Wwft) zakhala zikugwira ntchito kwa zaka khumi. Cholinga chachikulu cha Wwft ndikusunga dongosolo la ndalama; lamuloli likufuna kuletsa dongosolo lazachuma kuti lisagwiritsidwe ntchito pazachifwamba pakupanga ndalama komanso ndalama zachigawenga. Kubwezera ndalama kumatanthauza kuti zinthu zopezeka zosaloleka zaboma zimaloledwa mwalamulo kuti zisavomerezedwe komwe kunalibe. Zandalama zachigawenga zimachitika pamene likulu likugwiritsidwa ntchito kuti athandizire ntchito zachigao. Malinga ndi Wwft, mabungwe amakakamizidwa kuti afotokoze zosintha zachilendo. Malipoti awa amathandizira kuti azindikire ndikutsutsa kuti azigwiritsa ntchito ndalama komanso ndalama zachigawenga. Wwft imakhudza kwambiri mabungwe omwe akugwira ntchito ku Netherlands. Mabungwe amayesetsa kuchitapo kanthu kuti apulumutse ndalama komanso ndalama zachigawenga zisachitike. Nkhaniyi ifotokoza za mabungwe ati omwe akukhudzidwa ndi Wwft, omwe mabungwewo ali nawo malinga ndi Wwft komanso zomwe zingachitike ngati mabungwe satsatira Wwft.
1. Institution yomwe imagwera mkati mwa Wwft
Mabungwe ena amakakamizidwa kutsatira zomwe Wwft akupereka. Pofuna kuwunika ngati bungwe likugonjera Wwft, mtundu wa bungwe ndi ntchito zomwe bungwe limachita zimawunika. Bungwe lomwe limayang'aniridwa ndi Wwft lingafunike kuchita kasitomala chifukwa cha kukonzekera kapena kuti afotokoze zomwe zachitika. Mabungwe otsatirawa atha kukhala pansi pa Wwft:
- ogulitsa katundu;
- apakatikati pakugula ndi kugulitsa katundu;
- oyang'anira nyumba ndi nyumba;
- othandizira kugulitsa nyumba ndi okhazikitsa malo ndi nyumba;
- ogwiritsa ntchito a pawnshop ndi omwe amapereka ma domicile;
- mabungwe azachuma;
- akatswiri odziyimira pawokha. [1]
Ogulitsa katundu
Ogulitsa katundu amakakamizika kuyendetsa bwino kasitomala nthawi yomwe mitengo yomwe ikugulitsayo ikufika ku $ 15,000 kapena kuposerapo ndipo malipiro ake amakhala ndalama. Zilibe kanthu kuti kulipirako kumachitika mosiyanasiyana kapena nthawi imodzi. Pakulipira ndalama kwa € 25,000 kapena kuposerapo kumachitika pogulitsa zinthu, monga zombo, magalimoto ndi miyala yamtengo wapatali, wogulitsa amayenera kupereka malondawa nthawi zonse. Ngati ndalama sizipangidwe ndalama, palibe Wwft udindo. Komabe, ndalama zomwe zimasungidwa ku banki ya ogulitsayo zimawonedwa ngati ndalama mu ndalama.
Othandizira pakugulitsa ndi kugulitsa katundu
Ngati mumkhalapakati pogula kapena kugulitsa zinthu zina, muli m'manja mwa Wwft ndipo muyenera kuchita kasitomala moyenera. Izi zikuphatikiza kugulitsa ndi kugula magalimoto, zombo, miyala yamiyala yamtengo wapatali, zinthu zaluso ndi zinthu zakale. Zilibe kanthu kuti mtengo wolipiridwa ndiwokwera bwanji komanso ngati mtengo wake udalipira ndalama. Pakakhala ndalama ndi kulipira ndalama za € 25,000 kapena kuposerapo, kusinthaku kuyenera kumanenedwa nthawi zonse.
Kuyimba nyumba ndi malo
Wofunsira akaunika katundu wosasunthika ndi kuzindikira zenizeni ndi zovuta zina zomwe zingakhudze kuwononga ndalama kapena kuwononga ndalama zauchifwamba, izi ziyenera kunenedwa. Komabe, ovomerezeka samakakamizidwa kuchita kasitomala moyenera.
Othandizira kugulitsa nyumba ndi othandizira pa nyumba zogulitsa
Anthu omwe amakhala pakati pakugulitsa ndi kugulitsa katundu wosasunthika ali m'manja mwa Wwft ndipo ayenera kuchita bwino kasitomala aliyense pantchito iliyonse. Kukakamizidwa kuchita kasitomala chifukwa chofunikanso kumagwirizana ndi zomwe mnzakeyo akuchita. Ngati akukayikira kuti kugulitsa kungaphatikizepo kuchotsera ndalama kapena kuwononga ndalama za uchigawenga, kuwonetsa uku kuyenera kunenedwa. Izi zimagwiranso ntchito pakugulitsa komwe ndalama za € 15,000 kapena kupitilira zimalandiridwa ndalama. Zilibe kanthu kuti ndalama iyi ndi yagulitsa katundu kapena wachitatu.
Ogwira ntchito a Pawnshop ndi omwe amapereka ma domicile
Ogwira ntchito a Pawnshop omwe amapereka malumbiro aukadaulo kapena bizinesi ayenera kuchita kasitomala chifukwa chogula chilichonse. Ngati kuchititsa kuli kwachilendo, kusinthaku kuyenera kufotokozedwa. Izi zikugwiranso ntchito ku zochitika zonse zomwe zimakhala € 25,000 kapena kupitirira. Omwe akupereka zolemba omwe amapanga adilesi kapena positi ofesi kupezeka kwa anthu ena pa bizinesi kapena akatswiri, akuyenera kuchitanso kasitomala wina aliyense mwachangu. Ngati akuwakayikira kuti mwina pakhoza kukhala ndalama zakunja kapena ndalama zachigawenga zomwe zimakhudzidwa ndikupereka domicile, zomwe zachitika zikuyenera kufotokozedwa.
Mabungwe azachuma
Mabungwe azachuma akuphatikiza mabanki, maofesi osinthana, kasino, maofesi a trustee, mabungwe opanga ndalama ndi ma inshuwaransi ena. Mabungwewa ayenera kumathandizira kasitomala nthawi zonse ndipo ayenera kufotokozera zochitika zina zachilendo. Komabe, malamulo osiyanasiyana amatha kugwira ntchito kumabanki.
Akatswiri odziimira pawokha
Gulu la akatswiri odziyimira pawokha limaphatikizapo anthu otsatirawa: notariers, maloya, owerengera, alangizi amisonkho ndi maofesi oyang'anira. Magulu antchito awa ayenera kuchita kasitomala chifukwa cha kulimba mtima ndikufotokozera zochitika zomwe sizachilendo.
Mabungwe kapena akatswiri omwe amachita zinthu zawo mwaukadaulo, zomwe zimagwirizana ndi ntchito zomwe mabungwe omwe atchulidwa pamwambapa atha kukhala nazo pansi pa Wwft. Izi zitha kuphatikizira izi:
- kulimbikitsa makampani pamakampani opanga ndalama, njira zamalonda ndi zina zokhudzana ndi izi;
- kuwunikira komanso kupatsa anthu ntchito pantchito yophatikiza ndi kupeza makampani;
- kukhazikitsidwa kapena kuyang'anira makampani kapena mabungwe amilandu;
- kugula kapena kugulitsa makampani, mabungwe amilandu kapena magawo m'makampani;
- kupeza kwathunthu kapena pang'ono kwamakampani kapena mabungwe azovomerezeka;
- ntchito zokhudzana ndi msonkho.
Kuti mudziwe ngati bungwe lili pansi pa Wwft, ndikofunikira kusunga zomwe bungwe limachita. Ngati maziko angopereka chidziwitso, bungwe silikhala pansi pa Wwft. Ngati bungwe lipereka upangiri kwa makasitomala, bungwe limatha kukhala pansi pa Wwft. Komabe, pali mzere woonda pakati pakupereka chidziwitso ndikupereka upangiri. Komanso, kasitomala wovomerezeka amayenera kuchitikira bungwe lisanachite mgwirizano ndi bizinesi ndi kasitomala. Pomwe bungwe loyambirira likuganiza kuti chidziwitso chokhacho chimayenera kuperekedwa kwa kasitomala, koma pambuyo pake zikuwoneka kuti upangiri waperekedwa kapena uyenera kuperekedwanso, udindo wotsogolera kasitomala woyeserera sakukwaniritsa. Ndizowopsa kwambiri kugawa zochitika za bungwe muzochita zomwe zimayang'aniridwa ndi Wwft ndi zochitika zomwe sizikuyenera kutsata Wwft, popeza malire pakati pa izi ndi osamveka bwino. Kuphatikiza apo, zitha kukhalanso kuti zochitika zapadera sizikhala zogwirizana ndi Wwft, koma kuti zochitika izi zimaphatikizapo udindo wa Wwft akaphatikizidwa. Chifukwa chake ndikofunikira kudziwa pasadakhale ngati gulu lanu lalamulidwa ndi Wwft.
Nthawi zina, bungwe limatha kugwa mu lamulo la Dutch Trust Office Supervision Act (Wtt) m'malo mwa Wwft. Wtt ili ndi zofunikira kwambiri pakukakamira kwamakasitomala ndipo mabungwe omwe ali pansi pa Wtt akusowa chilolezo kuti achite ntchito zawo. Malinga ndi a Wtt, mabungwe omwe amapereka malo okhala komanso omwe amachita zina, amakhalanso pansi pa Wtt. Ntchito zowonjezerazi ndizopereka upangiri walamulo, kusamalira zilengezo za misonkho, kuchita zochitika polemba, kuwunika ndikuwunika maakaunti apachaka kapena kuyang'anira kayendetsedwe kapenanso kupeza director ku bungwe kapena mabungwe azovomerezeka. Mwachizoloŵezi, kupereka malo okhala ndi kuchita zina zowonjezera nthawi zambiri kumayang'aniridwa ndi mabungwe awiri, kuti awonetsetse kuti mabungwewa sakugwirizana ndi Wtt. Komabe, izi sizingatheke pomwe Wtt yosinthidwa itayamba kugwira ntchito. Kusintha kwamalamulo kumeneku kutayamba kugwira ntchito, mabungwe omwe amakhazikitsa malo okhala komanso kuchita zina pakati pa mabungwe awiriwa nawonso azikhala m'manja mwa Wtt. Izi zimakhudza mabungwe omwe amachita zina zowonjezerapo, koma amatumiza kasitomala ku malo ena kuti apereke kapena kuti azikhalamo (kapena mosemphanitsa) komanso mabungwe omwe amakhala ngati nkhalapakati pobweretsa kasitomala kuti athe kulumikizana ndi magulu osiyanasiyana omwe atha kukhala zina zowonjezera. [2] Ndikofunikira kuti mabungwe azikhala ndi chithunzithunzi chabwino pazantchito zawo, kuti athe kudziwa lamulo lomwe likugwirizana nawo.
2. Kusamala kwa makasitomala
Malinga ndi Wwft, bungwe lomwe limayang'aniridwa ndi Wwft liyenera kuyendetsa kasitomala moyenera. Khama la kasitomala likuyenera kuchitika bungwe lisanagwirizane mgwirizano wamalonda ndi kasitomala asanaperekedwe chithandizo. Kusamala kwa makasitomala kumatanthauza, pakati pazinthu zina, kuti bungwe lipemphe makasitomala awo, liyenera kuwona izi, lizilemba ndi kuzisunga kwa zaka zisanu.
Kuchita bwino kwa makasitomala malinga ndi Wwft kuli pachiwopsezo. Izi zikutanthauza kuti bungwe liyenera kutenga zoopsa pokhudzana ndi kukula kwa kampani yake komanso zoopsa zake pokhudzana ndi bizinesi kapena kuchitapo kanthu. Kukula kwa changu choyenera kuyenera kukhala mogwirizana ndi zoopsa izi. [3] Wwft imaphatikizapo magawo atatu amakasitomala chifukwa chakuchita khama: koyenera, kosavuta komanso kolimbikitsidwa. Kutengera zoopsa, bungwe liyenera kudziwa kuti ndi zinthu ziti zomwe zikuyenera kuchitidwa ndi kasitomala omwe atchulidwayo. Kuphatikiza pa kutanthauzira kozikidwa pachiwopsezo cha kasitomala chifukwa chakuchita mwakhama komwe kuyenera kuchitidwa munthawi zonse, kuwunika koopsa kumatha kukhalanso chifukwa chochitira khama osavuta kapena opititsa patsogolo makasitomala. Pakuwunika zoopsa, mfundo zotsatirazi ziyenera kukumbukiridwa: makasitomala, mayiko ndi zifukwa komwe kuderali limagwirira ntchito ndi zinthu zomwe zimaperekedwa ndi ntchito. [4]
Wwft sikunena kuti ndi njira ziti zomwe mabungwe akuyenera kuchita kuti athe kutsata makasitomala mwachangu komanso chidwi chazovuta zomwe zikuchitika. Komabe, ndikofunikira kuti mabungwe akhazikitse njira zoika pachiwopsezo kuti azindikire kuti makasitomala ayenera kuchita khama bwanji. Mwachitsanzo, njira zotsatirazi zitha kukhazikitsidwa: kukhazikitsa masanjidwe owopsa, kupanga mfundo zowopsa, mbiri, kukhazikitsa njira zovomerezera kasitomala, kutenga njira zowongolera mkati kapena kuphatikiza izi. Kuphatikiza apo, tikulimbikitsidwa kuti muzisamalira mafayilo ndikusunga zochitika zonse ndikuwunika zoopsa. Woyang'anira udindo wokhudzana ndi Wwft, Financial Intelligence Unit (FIU), atha kupempha bungwe kuti lipereke chizindikiritso chake ndikuwunika zoopsa zokhudzana ndi kubedwa ndalama ndi ndalama zauchigawenga. Bungwe liyenera kutsatira pempholi. [5] Wwft ilinso ndi zolozera zomwe zikuwonetsa momwe makasitomala amayenera kuchitikira mwakhama.
2.1 kasitomala wokhazikika chifukwa cholimbikira
Nthawi zambiri, mabungwe amayenera kuchita kasitomala wokhazikika. Kuchita bwino kumeneku kumakhala ndi zinthu izi:
- kudziwa, kutsimikizira ndi kujambula zofunikira za kasitomala;
- kutsimikiza, kutsimikizira ndi kujambula kuzindikiritsa kwa Mwiniwake Wophatikiza (UBO);
- kudziwa ndi kujambula cholinga ndi mtundu wa gawo kapena ntchito.
Kuzindikira kwa kasitomala
Kuti mudziwe omwe amapereka mautumikiwa, chizindikiritso cha kasitomala chiyenera kutsimikiziridwa kuti bungwe lisanayambe kupereka ntchito zake. Kuti adziwitse kasitomala, kasitomala amafunika kufunsidwa kuti adziwe zambiri. Pambuyo pake, kudziwika kwa kasitomala kumayenera kutsimikiziridwa. Kwa munthu wachilengedwe, kutsimikizira uku kungachitike pofunsira pasipoti yoyambirira, layisensi yoyendetsa kapena khadi yakudziwitsa. Makasitomala omwe ali mabungwe amilandu ayenera kufunsidwa kuti apereke zochokera ku renti yamalonda kapena zolemba zina zodalirika kapena zosungitsa zomwe zili mwamwambo. Izi ziyenera kusungidwa ndi bungwe zaka zisanu.
Chidziwitso cha UBO
Ngati kasitomala ndi munthu wovomerezeka, mgwirizano, maziko kapena chidaliro, UBO iyenera kuzindikiridwa ndikutsimikiziridwa. UBO wa munthu wovomerezeka ndi munthu wachilengedwe yemwe:
- amakhala ndi chidwi choposa 25% pachilolezo cha kasitomala; kapena
- atha kugwiritsa ntchito magawo 25% kapena kuposerapo pamagawo kapena ufulu wovota pamsonkhano waukulu wa omwe akugawana nawo kasitomala; kapena
- amatha kugwiritsa ntchito kasitomala m'makasitomala; kapena
- ndiye wolandila 25% kapena kupitilira kwa zinthu zadziko kapena maziko; kapena
- imakhala ndiulamuliro wapadera wa 25% kapena kuposerapo chuma cha makasitomala.
UBO wa mgwirizano ndi munthu wachilengedwe yemwe, pathetsa mgwirizano, ali ndi mwayi wogawana zinthu 25% kapena kuposerapo kapena ali ndi mwayi wogawana nawo phindu la 25% kapena kuposerapo. Ndi trust, adjuster (mat) ndi trasti (s) akuyenera kuzindikira.
Mukazindikira IDO ikatsimikizika, chizindikiritso ichi chikuyenera kutsimikiziridwa. Bungwe liyenera kuwunika zoopsa zokhudzana ndi kuwononga ndalama ndi ndalama zachigawenga; kutsimikizira kwa UBO kuyenera kuchitika malinga ndi ziwopsezozi. Izi zimatchedwa chitsimikiziro chokhazikika pachiwopsezo. Njira yotsimikizika kwambiri ndikutsimikiza pogwiritsa ntchito zikalata zoyambira, monga zochita, mgwirizano ndi kulembetsa mu regista yamagulu kapena magwero ena odalirika, kuti UBO yomwe ikukhudzidwayo imavomerezedwadi 25% kapena kupitirira. Izi zitha kupemphedwa ngati pali chiwopsezo chachikulu chokhudzana ndi kuwononga ndalama ndi ndalama zachigawenga. Pakakhala chiwopsezo chochepa, bungwe lingathe kuti kasitomala asayine chilengezo cha UBO. Posaina chilengezochi, kasitomala akutsimikizira kuti UBO ndi ndani.
Cholinga ndi mtundu wa ntchitoyo
Mabungwe amayenera kuchita kafukufuku zakumbuyo ndi cholinga chaubwenzi kapena bizinesi yomwe akufuna. Izi zikuyenera kuletsa ntchito zamabungwe kuti zisagwiritsidwe ntchito pozembetsa ndalama kapena kupereka ndalama zauchifwamba. Kafufuzidwe pamtundu wa ntchitoyo kapena zomwe zikuchitika ziyenera kukhala zoopsa. [6] Pomwe ntchitoyo kapena kugulitsa kwatsimikiziridwa, izi ziyenera kulembedwa m'kaundula.
2.2 Kusamalira makasitomala chifukwa chokhala akhama
Ndikothekanso kuti bungwe limagwirizanitsa ndi Wwft pochititsa kukhala kosavuta kwa makasitomala. Monga tafotokozera kale, kulimba mtima kwa kuphunzitsa kasitomala kuyenera kutsimikizika pamaziko a kuwunika koopsa. Ngati kuwunika kumeneku kukuwonetsa kuti chiopsezo chogwiritsa ntchito ndalama komanso ndalama zachigawenga ndizochepa, kasitomala wosavuta amayesetsa kuchita. Malinga ndi Wwft, kusamalira makasitomala kosavuta kumakhala komwe kumakwanira ngati kasitomala ndi banki, inshuwaransi ya moyo kapena mabungwe ena azachuma, kampani yotchulidwa kapena bungwe la EU. Zikatero, chizindikiritso chokhacho cha kasitomala ndi cholinga ndi mtundu wa zomwe zikuyendetsedwazo ziyenera kutsimikizidwa ndikujambulidwa monga momwe tafotokozera mu 2.1. Kutsimikizira kwa kasitomala ndi kuzindikiritsa ndi kutsimikizira za UBO sizofunikira pankhaniyi.
2.3 Makasitomala opititsa patsogolo kulimbikira
Zingakhalenso zomwe zimapangitsa kuti kasitomala azikondweretsa kuyenera kuchitika. Izi ndizomwe zimachitika kuti chiwopsezo chogwiritsa ntchito ndalama komanso ndalama zachigawenga ndizambiri. Malinga ndi Wwft, kulimbikitsidwa kwa kasitomala wolimbikira kuyenera kuchitidwa zotsatirazi:
- pasadakhale, amakayikira kuti chiwopsezo chowonjezeka cha kuwononga ndalama kapena kuwononga ndalama za uchigawenga;
- kasitomala kulibe pozindikiritsa;
- kasitomala kapena UBO ndi munthu wowonekera pandale.
Kukayikira kuti chiwopsezo chowonjezeka cha kuwononga ndalama kapena ndalama zachigawenga
Pamene kuwunikira zowopsa zikuwonetsa kuti pali chiwopsezo chachikulu chogwiritsira ntchito ndalama komanso ndalama zachigawenga, kulimbikitsidwa kwa kasitomala kuyenera kuchitidwa. Khama lolimbikitsa la kasitomala likhoza kuchitidwa ndikupempha Kalata Yabwino Kukhala ndi Khazikitsidwe kuchokera kwa kasitomala, mwa kufufuza za olamulira ndi ntchito za gulu la oyang'anira ndi ma proxies kapena kufufuza komwe adachokera komanso komwe akuperekera ndalama, kuphatikizaponso kupempha banki ziganizo. Njira zomwe ziyenera kutengedwa zimatengera momwe zinthu ziliri.
Kasitomala kulibe kuzindikirika
Ngati kasitomala kulibe kuzindikirika, izi zimabweretsa chiwopsezo chachikulu chogwiritsira ntchito ndalama komanso kuwononga ndalama za uchigawenga. Zikatero, pamafunika kuchitapo kanthu kuti izi zitheke. Wwft ikuwonetsa mabungwe omwe amasankha omwe ayenera kubwezeretsa chiwopsezo:
- kuzindikira kasitomala pamaziko a zolemba zowonjezereka, chidziwitso kapena chidziwitso (mwachitsanzo, pepala lolembapo kapena pasipoti);
- kuyesa kutsimikizira kwa zolemba zomwe zaperekedwa;
- kuwonetsetsa kuti ndalama zoyambirira zokhudzana ndi bizinesiyo zikuchitika kapena zimachitika m'malo mwa akaunti ya kasitomala ndi bank yomwe ili ndi ofesi yolembetsedwa ku State State kapena banki yosungidwa ndi boma chiphaso chogwirira ntchito m'boma lino.
Ngati chizindikiritso chilipangidwa, timalankhula za chizindikiritso chochokera. Izi zikutanthauza kuti bungwe lingagwiritse ntchito zidziwitso kuchokera kwa kasitomala yemwe adachitapo kale ntchito mwachangu. Kuzindikiritsa ndi kololedwa chifukwa bankiyi komwe kubwezera chizindikiridwe kumachitika ndi bungwe lomwe limayang'aniridwa ndi Wwft kapena kuyang'aniridwa mofananamo ku State State ina. Mwakutero, kasitomala amadziwika kale ndi banki popereka chiphaso ichi.
Makasitomala kapena UBO ndi munthu wowonekera pandale
Anthu owululira ndale (PEP's) ndi anthu omwe ali ndiudindo waukulu ku Netherlands kapena kunja, kapena amene adachita izi mpaka chaka chimodzi chapitacho, ndipo
- amakhala kudziko lina (ngakhale ali ndi fuko la Dutch kapena dziko lina);
OR
- amakhala ku Netherlands koma alibe dziko la Dutch.
Kaya munthu ndi PEP ayenera kufufuzidwa kwa kasitomala komanso UBO aliyense wamakasitomala. Anthu otsatirawa ali mu vuto lililonse la PEP:
- atsogoleri a maboma, atsogoleri a maboma, nduna ndi alembi a boma;
- nyumba zamalamulo;
- mamembala akulu akulu oweruza milandu;
- mamembala a maofesi owerengera ndalama ndi mabungwe oyang'anira mabanki apakati;
- akazembe, chargé d'affaires ndi akulu akulu ankhondo;
- mamembala a mabungwe oyendetsa, onse akulu ndi oyang'anira;
- mabungwe amakampani aboma;
- achibale apafupi kapena oyandikana nawo kwambiri anthuwa. [7]
PEP ikakhala yokhudzidwa, bungweli liyenera kusonkhanitsa ndikuwunika zambiri kuti muchepetse ndikuwongolera chiwopsezo chachikulu chobera ndalama ndi ndalama zauchigawenga. [8]
3. Kupereka lipoti lachilendo
Kasitomala akamalizidwa, bungwe liyenera kudziwa ngati zomwe zikuchitikazo si zachilendo. Ngati ndi choncho, ndipo pakhoza kukhala kuwononga ndalama kapena ndalama zachigawenga zomwe zikukhudzidwa, zomwe zikuchitikazi ziyenera kunenedwa.
Ngati kasitomala chifukwa cholimbikira sanapereke zomwe zimalamulidwa ndi lamulo kapena ngati zikuwonetsa kuti akutenga nawo ndalama kapena kuwononga ndalama za uchigawenga, zomwe akuchitazo ziyenera kudziwitsidwa ku FIU. Izi zikulingana ndi Wwft. Atsogoleri achi Dutch akhazikitsa zowoneka bwino komanso zotsata pamaziko omwe mabungwe angadziwe ngati pali zosinthika zachilendo. Ngati Chizindikiro chimodzi chili ndi vuto, ndiye kuti kusinthaku sikwachilendo. Izi zikuyenera kufotokozedwa ku FIU posachedwa. Zizindikiro izi zimakhazikitsidwa:
Zizindikiro zothandizirana
- Ntchito yomwe mabungwe ali ndi chifukwa choganiza kuti ikukhudzana ndi kuwononga ndalama kapena ndalama zachigawenga. Mayiko osiyanasiyana omwe ali pachiwopsezo adadziwikanso ndi a Financial Action Task Force.
Zizindikiro za cholinga
- Ntchito zomwe zimanenedwa kupolisi kapena ku Public Prosecution Service zokhudzana ndi kulanda ndalama kapena ndalama zachigawenga ziyeneranso kuuzidwa kwa FIU; pambuyo pake, pali lingaliro kuti izi zimatha kugwirizana ndi kuwononga ndalama komanso ndalama zachigawenga.
- Kuchita kapena kuthandiza munthu (mwalamulo) wokhala kapena wokhala ndi adilesi yake ku boma lomwe limasankhidwa ndi malamulo a minisitala ngati boma lokhala ndi zoperewera pakuletsa kuchotsera ndalama komanso kulipiritsa zandalama.
- Chochitika chomwe magalimoto amodzi kapena zingapo, zombo, zojambulajambula kapena miyala yamtengo wapatali imagulitsidwa (pang'onopang'ono) ndalama zolipidwa, pomwe ndalama zake zimayenera kulipidwa ndalama zimakwanira € 25,000 kapena kupitirira.
- Kusinthitsa kwa mtengo wa € 15,000 kapena kuposerapo, posinthanitsa ndalama kumachitika ndi ndalama ina kapena kuchokera yaying'ono kupita ku zipembedzo zazikulu.
- Ndalama yoyeserera ndalama zokwanira € 15,000 kapena kupitirira apo posamalira kirediti kadi kapena chida cholipirira musanalipire.
- Kugwiritsa ntchito kirediti kadi kapena chida cholipirira musanalipire pokhudzana ndi kusinthanitsa ndi mtengo wa € 15,000 kapena kupitirira.
- Chochita cha mtengo wa € 15,000 kapena kuposerapo, kulipira ndalama kubungwe kapena ndalama, ndi cheke choti chikhale ndi chida cholipiridwa kale kapena njira yomweyo.
- Chochita chomwe katundu wabwino kapena angapo amabweretsedwa motsogozedwa ndi pawnshop, ndi ndalama zomwe zimapezeka ndi pawnshop posinthana ndi € 25,000 kapena kupitirira.
- Chogulitsira ngongole ya € 15,000 kapena kuposerapo, cholipiridwa kubungwe kapena ndalama, kapena macheke, ndi chida cholipira kale kapena ndalama zakunja.
- Kutumiza ndalama, zolemba pabanki kapena zinthu zina zamtengo wapatali kwa € 15,000 kapena kupitirira.
- Ntchito yolipirira giro pamtengo wa € 15,000 kapena kupitirira.
- Kusamutsa ndalama pamtengo wa € 2,000 kapena kupitilira apo, pokhapokha ngati ikukhudzana ndi kusamutsidwa kwa ndalama kuchokera ku bungwe lomwe lasiya ndalama zonse kusamutsidwira ku bungwe lina lomwe lili ndi udindo wofotokozera zochitika zachilendo, zochokera ku Wwft. [9]
Sizizindikiro zonse zomwe zimagwiritsidwa ntchito kumabungwe onse. Zimatengera mtundu wa bungwe lomwe zizindikiro zikugwirira ntchito ku bungweli. Chimodzi mwazinthu zomwe zafotokozedwa pamwambapa chikuchitika ku malo ena, izi zimawoneka ngati zachilendo. Izi zikuyenera kufotokozedwa ku FIU. FIU imalembetsa lipotilo ngati lipoti losinthika lachilendo. FIU imawunika ngati zosinthika zachilendozo ndizokayikitsa ndipo ziyenera kufufuzidwa ndi woyang'anira milandu wofufuza milandu kapena chitetezo.
4. Kudzudzula
Ngati bungwe lipereka mwayi wachilendo ku FIU, lipotilo limapatsa chilimbikitso. Malinga ndi Wwft, deta kapena chidziwitso chomwe chaperekedwa ku FIU pachikhulupiriro cholondola malinga ndi lipoti, sichingakhale maziko kapena pakufufuza kapena kutsutsa kwa bungwe lomwe linanena za kukayikira ndalama kapena ndalama zachigawenga ndi bungwe ili. Kuphatikiza apo, izi sizingakhale mlandu. Izi zikugwiranso ntchito ku FIU ndi bungwe, poganiza kuti izi zingaphatikizepo kutsata udindo wofotokoza kuchokera ku Wwft. Izi zikutanthauza kuti chidziwitso chomwe bungwe lapereka ku FIU, potengera lipoti la zomwe zikuchitika mwachisawawa, sizingagwiritsidwe ntchito pofufuza mlandu wokhudza ndalama kapena zandalama zandalama. Mlanduwu umagwiranso ntchito kwa anthu omwe amagwira ntchito ku bungwe lomwe linapereka chidziwitso ndi chidziwitso ku FIU. Mwa kunena za zovuta mu chikhulupiliro chabwino, mlandu waupandu umaperekedwa.
Kuphatikiza apo, bungwe lomwe lanena zosinthika zachilendo kapena lipereka zina zowonjezera pamaziko a Wwft silili ndi vuto lililonse pazowonongeka zomwe zidachitika chifukwa chachitatu. Izi zikutanthauza kuti bungwe silingakhale loyenera chifukwa cha kuwonongeka kwa kasitomala chifukwa cha zomwe zinachitika. Chifukwa chake, pakukakamiza udindo wololeza zachilendo, kubwezera kumaloledwa kumalolezedwanso ku bungwe. Kudzudzulidwaku kumathandizanso kwa anthu omwe amagwira ntchito ku bungwe lomwe lanena za zachilendo kapena zomwe zaperekedwa ku FIU.
5. Maudindo ena ochokera ku Wwft
Kuphatikiza pa kukakamira kuchita kasitomala chifukwa chogwira ntchito mwachangu komanso kupereka malipoti achuma ku FIU, Wwft imaperekanso chitsimikizo komanso chinsinsi cha maphunziro kumabungwe.
Kupereka chinsinsi
Udindo wachinsinsi umaphatikizapo kuti bungwe silingadziwitse aliyense za lipoti la FIU komanso zokhuza kukayikira kuti kuwononga ndalama kapena kuwononga zigawenga kumachita nawo malonda. Bungwe limaletsedwa ngakhale kudziwitsa kasitomala wokhudzana ndi izi. Cholinga cha izi ndikuti FIU iyambitsa kafukufuku pazosinthidwa zachilendo. Udindo wachinsinsi umayikidwa kuti aletse maphwando omwe akufufuzidwa kuti asapatsidwe mwayi, mwachitsanzo, kutaya umboni.
Ntchito yophunzitsira
Malinga ndi Wwft, mabungwe ali ndi udindo wophunzitsira. Udindo uwu ukuphatikizapo kuti ogwira ntchito ku bungwe amayenera kudziwa zomwe Wwft ikuchita, popeza izi ndizoyenera kugwira ntchito yawo. Ogwira ntchito akuyenera kuthandizanso kasitomala moyenera komanso kuzindikira zovuta zomwe akuchita. Maphunziro a nthawi ndi nthawi ayenera kutsatiridwa kuti izi zitheke.
6. Zotsatira zakusagwirizana ndi Wwft
Maudindo osiyanasiyana amachokera ku Wwft: kuchititsa kasitomala kuchita changu, kupereka lipoti losinthika, udindo wachinsinsi komanso udindo wophunzitsira. Zidziwitso zosiyanasiyana ziyeneranso kulembedwa ndi kusungidwa ndipo bungwe liyenera kuchitapo kanthu kuti muchepetse chiwopsezo cha kuwononga ndalama ndi kuwononga ndalama za uchigawenga.
Ngati bungwe silitsatira zomwe zalembedwa pamwambapa, zitengedwa. Kutengera mtundu wa mabungwewo, kuyang'anira kutsatira Wwft kumachitika ndi a tax Authorities / Bureau Supervision Wwft, Dutch Central Bank, Dutch Authority for the Financial Markets, Financial Supervision Office kapena Dutch Bar Association. Oyang'anirawa amachita kafukufuku wofufuza kuti awone ngati bungwe likutsatira bwino zomwe Wwft ikuchita. Pazofufuza izi, mawonekedwe ndi kupezeka kwa mfundo yolingalira kumayesedwa. Kafukufukuyu adalimbikitsanso kuwonetsetsa kuti mabungwe amapereka malipoti achilendo. Ngati zopereka za Wwft zikuphwanyidwa, oyang'anira amayesedwa kuti akhazikitse lamulo pokhapokha kuchilango chokwanira kapena chindapusa. Alinso ndi mwayi wolamula bungwe kuti lotsatira njira zina zokhudzana ndi kukhazikitsa njira zamkati ndi kuphunzitsa antchito.
Ngati bungwe lalephera kunena zosinthika zachilendo, kuphwanya kwa Wwft kudzachitika. Zilibe kanthu kuti kulephera kupereka malipoti kunali kwadala kapena mwangozi. Ngati bungwe likuphwanya lamulo la Wwft, izi zimakhudza vuto lazachuma malinga ndi lamulo la Dutch Economic Offsets Act. FIU itha kuyambitsanso kafukufuku wina wofotokoza momwe bungwe likuyankhulira. M'mavuto akulu, oyang'anira akhoza kufotokozanso zakusokonekera kwa wozenga mlandu waku Dutch, yemwe atha kuyambitsa kafukufuku pamilandu. Kenako bungweli lidzaimbidwa mlandu chifukwa silinatsatire zomwe Wwft adapereka.
7. Kutsiliza
Wwft ndi lamulo lomwe limagwira ntchito kumabungwe ambiri. Chifukwa chake, ndikofunikira kuti mabungwewa adziwe zomwe ayenera kukwaniritsa kuti athe kutsatira Wwft. Kuwongolera kasitomala chifukwa cha changu, kupereka malipoti osasinthika, chinsinsi chachinsinsi komanso udindo wophunzitsidwa kuchokera ku Wwft. Izi zakhazikitsidwa kuti zitsimikizire kuti chiopsezo chogwiritsa ntchito ndalama komanso ndalama zachigawenga ndizochepa momwe zingathekere ndipo kuchitapo kanthu mwachangu ngati pali kukayikira kuti ntchitozi zikuchitika. Kwa mabungwe, ndikofunikira kuyesa zowopsa ndikuchita mogwirizana. Kutengera mtundu wa bungwe ndi ntchito zomwe bungwe limachita, malamulo osiyanasiyana angagwire ntchito.
Wwft sikuti amangokhala kuti mabungwe azitsatira zomwe achokera ku Wwft, komanso amabwera ndizotsatira zina ku mabungwe. Lipoti loti lipezeke ku FIU lipangidwe mwachikhulupiriro, mlandu wophwanya malamulo komanso waboma umaperekedwa ku bungwe. Zikatero, chidziwitso chomwe bungwe limapereka sichingagwiritsidwe ntchito motsutsana nalo. Mlandu waboma pakuwonongeka kwa kasitomala wochokera ku lipoti kupita ku FIU samasiyidwa. Komabe, pamakhala zotsatirapo zake ngati Wwft aphwanyidwa. Choyipa chachikulu kwambiri, bungwe lingathe kuimbidwanso mlandu. Chifukwa chake, ndikofunikira kwambiri kuti mabungwe azitsatira zomwe Wwft, sikuti amangochepetsa chiwopsezo chogwiritsa ntchito ndalama komanso ndalama zachigawenga, komanso kuti adziteteze.
_____________________________
[1] 'Wat ndi de Wwft', Belastingdienst 09-07-2018, www.nkhalid.de
[2] Kamerstukken II 2017/18, 34 910, 7 (Nota van Wijziging).
[3] Kamerstukken II 2017/18, 34 808, 3, tsa. 3 (MvT).
[4] Kamerstukken II 2017/18, 34 808, 3, tsa. 3 (MvT).
[5] Kamerstukken II 2017/18, 34 808, 3, tsa. 8 (MvT).
[6] Kamerstukken II 2017/18, 34 808, 3, tsa. 3 (MvT).
[7] 'Wat ndi een PEP', Autoriteit Financiele Markten 09-07-2018, www.afm.nl.
[8] Kamerstukken II 2017/18, 34 808, 3, tsa. 4 (MvT).
[9] 'Meldergroepen', FIU 09-07-2018, www.fiu-nederland.nl.

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text:
Akamati achinyamata ndi atsogoleri a mawa, ambiri amaganiza kuti izi ndi nkhambakamwa chabe. Koma achinyamata ena, monga Lusubilo Mwangonde, akukwaniritsa akupherezetsa mawuwa osati pongolota kuti adzakhala, koma kutsogolera kumene chifukwa nthawi yawo yakwana. DAILES BANDA adacheza ndi Mwangonde, khansala wachinyama, yemwe akuimira Jumbo Ward mumzinda wa Mzuzu, motere:
Tikudziweni…
Ndine Lusubilo Mwangonde, ndili ndi zaka 27 zakubadwa. Ndinabadwa m’banja la ana asanu ndipo ndine wachinayi kubadwa. Ndimachokera m’mudzi mwa Mwamalopa, kwa Paramount Chief Kyungu m’boma la Karonga. Sindili pabanja pakadalipano.
Mbiri ya maphunziro anu ndi yotani?
Maphunziro anga a pulaimale ndidachitira kusukula yapulaiveti ya Viphya mumzinda wa Mzuzu ndipo asekondale ndidachitira pa Phwezi Boys m’boma la Rumphi. Ndili ndi diploma ya Accounting ndipo pakadalipano ndikupanga digiri komanso Chartered Accounting kusukulu ya Malawi College of Accountancy (MCA).
Mudayamba bwanji zandale?
Kuyambira ndili wachichepere, zaka 12, ndakhala ndikukhala mumaudindo a utgogoleri. Ichi ndi china mwa zinthu zomwe zidandilimbikitsa kuti ndikhoza kudzapambana pazisankho. Koma chachikulu chomwe chidandichititsa kuti ndilowe ukhansala chidali chifukwa chakuti ndinkafuna kupereka mpata kwa anthu kuti azitha kuyankhula zakukhosi kwawo polimbikitsa demokalase ndi chitukuko.
Ntchito mukugwira ndi zomwe munkayembekezera?
Eya, ndiponso ndinkayembekezera zambiri.
Masomphenya anu ndi otani pandale?
Ine ndine munthu wokhulupirira Mulungu ndipo ndili ndi chikhulupiriro choti Iye ndi amene adzandionetsere zomwe ndikuyera kuchita ndi tsogolo langa.
Zinthu zina zomwe mumachita ndi chiyani pambali pa ukhansala?
Ndikakhala sindikugwira ntchito yaukhansala ndimakhala ndikuchita bizinesi, nthawi zina ndimakhala ndili kusukulu komwe ndikuchita maphuro anga a digiri. Kuonjezera pamenepo ndili ndi bungwe lomwe ndidayambitsa ndi anzanga ena la Centre for Participatory Democracy lomwe limalimbikitsa demokalase.
Zomwe mwakwanitsa ndi zotani?
Ndathandiza kuti ntchito yopala misewu ya kudera la Moyale itheke. Misewuyi yakhala nthawi yaitali osapalidwa. Ndidathandiziranso kuti ochita malonda ayambe kumanga mashopu anjerwa ndi kusiya kumangira matabwa kapena zigwagwa. Ndidakwanitsanso kukaimirira khonsolo ya Mzuzu ku Nyumba ya Malamulo. Ndaonanso kuti ntchitoyi yandithandiza kusintha momwe ndimaonera zinthu komanso ndimakumana ndi anthu osiyanasiyana omwe amandiphunzitsa zinthu zambiri.
Inu mukakhala mumakonda chiyani?
Ndimakonda kusewera mpira wa manja wa basketball.n


text:
Zotetezedwa zamaphunziro ufulu ulipo kuti muteteze zolengedwa ndi malingaliro anu kuti asagwiritsidwe ntchito ndi anthu ena. Komabe, nthawi zina, mwachitsanzo ngati mukufuna kuti zolengedwa zanu zizigwiritsidwa ntchito pamalonda, mungafune kuti ena azitha kuzigwiritsa ntchito. Koma mukufuna kupereka ufulu wochuluka bwanji kwa ena pazamaluso anu? Mwachitsanzo, kodi wachitatuyo amaloledwa kumasulira, kufupikitsa kapena kusintha zomwe mukulemba? Kapena kusintha luso lanu setifiketi? Pangano la layisensi ndi njira zovomerezeka zokhazikitsira ufulu ndi maudindo a wina ndi mnzake pankhani yogwiritsa ntchito molakwika katundu waluntha. Nkhaniyi ikufotokoza chimodzimodzi zomwe mgwirizano wa layisensi umaphatikizapo, mitundu yake, ndi zomwe nthawi zambiri zimakhala mgwirizanowu.
Katundu wanzeru ndi layisensi
Zotsatira za ntchito zamaganizidwe zimatchedwa ufulu wazamalonda. Mitundu yosiyanasiyana ya maufulu imasiyana pamachitidwe, magwiridwe antchito komanso kutalika kwake. Zitsanzo ndi maumwini, ufulu wazizindikiro, zovomerezeka ndi mayina amalonda. Ufuluwu umatchedwa ufulu wokha, zomwe zikutanthauza kuti anthu ena atha kugwiritsa ntchito ndi chilolezo cha munthu amene ali ndi ufuluwo. Izi zimakuthandizani kuti muteteze malingaliro ndi malingaliro opanga. Njira imodzi yoperekera chilolezo chogwiritsa ntchito anthu ena ndikupereka layisensi. Izi zitha kuperekedwa m'njira iliyonse, pakamwa kapena polemba. Ndikofunika kuti muzilemba izi pangano la layisensi. Pankhani yokhala ndi chilolezo chokha, izi zimafunikanso malinga ndi lamulo. Laisensi yolembedwanso ndi yolembetsedwa komanso yofunikira pakakhala mikangano komanso kusamveka bwino pazokhudza chilolezo.
Zomwe zili mgwirizanowu
Pangano la layisensi limamalizidwa pakati pa omwe ali ndi layisensi (yemwe ali ndi ufulu wazamalonda) ndi yemwe amakhala ndi layisensi (yemwe amalandira laisensi). Phata la mgwirizanowu ndikuti wokhala ndi layisensi atha kugwiritsa ntchito ufulu wokhala ndi layisensi malinga ndi zomwe zagwirizana. Malingana ngati munthu amene ali ndi layisensi amatsatira izi, wopereka malayisensi sangagwiritse ntchito ufulu wake pomutsutsa. Potengera zomwe zilipo, pali zambiri zomwe zikuyenera kukhazikitsidwa kuti muchepetse kugwiritsa ntchito kwa omwe ali ndi layisensi potengera malire a woperekera chilolezo. Gawoli likufotokoza zina mwazinthu zomwe zitha kukhazikitsidwa pangano la layisensi.
Maphwando, kuchuluka kwake ndi nthawi yake
Choyamba, ndikofunikira kuzindikira fayilo ya Maphwando mu mgwirizano wa layisensi. Ndikofunika kulingalira mosamala yemwe ali ndi ufulu wogwiritsa ntchito laisensi ngati ikukhudza kampani yamagulu. Kuphatikiza apo, maphwandowa ayenera kutchulidwa ndi mayina awo athunthu. Kuphatikiza apo, kukula kwake kuyenera kufotokozedwa mwatsatanetsatane. Choyamba, ndikofunikira kutanthauzira chinthu chomwe layisensiyo imagwirizana nacho. Mwachitsanzo, kodi zimangokhudza dzina lamalonda kapena pulogalamuyo? Kulongosola kwa ufulu waluntha pamgwirizanowu ndikofunikira, komanso, mwachitsanzo, kugwiritsa ntchito ndi / kapena nambala yofalitsa ngati ikukhudza chivomerezo kapena chizindikiro. Chachiwiri, ndikofunikira momwe chinthuchi chitha kugwiritsidwira ntchito. Kodi yemwe ali ndi layisensi angasiye zilolezo zing'onozing'ono kapena kugwiritsa ntchito luso lazanzeru pomugwiritsa ntchito muzogulitsa kapena ntchito? Chachitatu, gawo (mwachitsanzo, Netherlands, Benelux, Europe, ndi zina zambiri) momwe chilolezo chitha kugwiritsidwira ntchito iyeneranso kufotokozedwanso. Pomaliza, a kutalika kuyenera kuvomerezana, komwe kumatha kukhazikitsidwa kapena kosatha. Ngati ufulu waluntha womwe ukukhudzidwa uli ndi malire a nthawi, izi ziyenera kuganiziridwanso.
Mitundu yamalayisensi
Mgwirizanowu uyeneranso kufotokozera mtundu wa layisensi. Pali zotheka zosiyanasiyana, zomwe ndizofala kwambiri:
- Chokhachokha: Wopatsa chilolezo yekha amakhala ndi ufulu wogwiritsa ntchito kapena kugwiritsira ntchito ufulu waluntha.
- Zosasankha: wokhala ndi chilolezo amatha kuloleza zipani zina kuwonjezera pa amene ali ndi layisensi ndikugwiritsa ntchito mozindikira ufulu walunthawo.
- Chidendene: laisensi yokhayokha yomwe munthu wokhala ndi layisensi amatha kugwiritsa ntchito ndi kugwiritsa ntchito moyenerera luso limodzi ndi wopereka chilolezo.
- Tsegulani: Aliyense wokondweretsedwa yemwe akwaniritsa zofunikirazi alandila chiphaso.
Nthawi zambiri ndalama zambiri zimatha kupezeka ngati chilolezo chokha, koma zimadalira momwe zinthu zilili ngati chisankhocho ndichabwino. Chilolezo chosakhala chokha chitha kuperekanso kusintha. Kuphatikiza apo, layisensi yokhayo singagwire ntchito pang'ono ngati mungapatse laisensi yokhayo chifukwa mukuyembekezera kuti mnzakeyo agulitsa malingaliro kapena malingaliro anu, koma wokhala ndi layisensi ndiye samachita nawo kanthu. Chifukwa chake, mutha kukakamiza munthu amene ali ndi layisensi kuti akwaniritse zomwe ayenera kuchita ndiufulu wanu wazamalonda. Kutengera mtundu wa layisensi, ndikofunikira kwambiri kukhazikitsa mikhalidwe yomwe layisensiyo yapatsidwa.
Zina
Pomaliza, pakhoza kukhala zina zomwe nthawi zambiri zimachitika mu mgwirizano wamalamulo:
- The Malipiro ndi kuchuluka kwake. Ngati amalipiritsa chindapusa, itha kukhala ndalama zanthawi zonse (chiphaso cha layisensi), ma royalties (mwachitsanzo, kuchuluka kwa chiwongola dzanja) kapena ndalama imodzi (mpukutu pamodzi). Nthawi ndi makonzedwe osalipira kapena kubweza mochedwa ayenera kuvomerezedwa.
- Lamulo logwira ntchito, khothi loyenerera or kuweruza / kuyimira pakati
- Chinsinsi ndi chinsinsi
- Kukhazikika kwa zolakwira. Popeza kuti mwiniwake wa layisensi alibe ufulu woyambitsa milandu popanda chilolezo, izi ziyenera kukhazikitsidwa pamgwirizanowu ngati pakufunika kutero.
- Kusintha kwa layisensi: ngati kusinthasintha sikukufunidwa ndi layisensi, kuyenera kuvomerezedwa mu mgwirizano.
- Kusamutsa chidziwitso: mgwirizano wa layisensi ukhozanso kutha kumaliza kudziwa zambiri. Izi ndizachinsinsi, nthawi zambiri zaluso, zomwe sizikupezeka ndi ufulu waumwini.
- Zochitika zatsopano. Mgwirizano uyeneranso kupangidwa ngati zinthu zatsopano zaluntha zikuphatikizidwanso ndi layisensi ya wokhala ndi layisensi. Zingakhale choncho kuti munthu wokhala ndi layisensi azikulitsa mankhwalawo ndipo wopereka malayisensi akufuna kupindula ndi izi. Zikatero, chilolezo chosakhala chokhacho chololeza munthu amene ali ndi chiphaso chazinthu zatsopano zitha kufotokozedwa.
Mwachidule, mgwirizano wa layisensi ndi mgwirizano woti munthu wokhala ndi layisensi apatsidwe ufulu ndi layisensi kuti agwiritse ntchito kapena / kapena kugwiritsa ntchito mwanzeru luso. Izi ndizothandiza ngati wopereka chilolezo akufuna kugulitsa malingaliro ake kapena kugwira ntchito ndi wina. Chigwirizano chimodzi cha layisensi sichifanana ndi china. Izi ndichifukwa choti ndi mgwirizano watsatanetsatane womwe ungasiyane malinga ndi kuchuluka ndi momwe zinthu zilili. Mwachitsanzo, itha kugwiritsidwa ntchito pamaufulu osiyanasiyana aluso ndi m'mene amagwiritsidwira ntchito, komanso pali kusiyana pamalipiro ndi kupatula. Tikukhulupirira, nkhaniyi yakupatsani lingaliro labwino pazokhudza mgwirizano wamalamulo, cholinga chake komanso zofunikira zake.
Kodi mudakali ndi mafunso okhudza mgwirizanowu mutawerenga nkhaniyi? Kenako lemberani Law & More. Maloya athu ndi akatswiri pamalamulo azinthu zanzeru, makamaka pankhani yaumwini, malamulo azizindikiro, mayina amalonda ndi zovomerezeka. Ndife okonzeka kuyankha mafunso anu onse ndipo tidzakhalanso okondwa kukuthandizani kuti mupange mgwirizano woyenera wa layisensi.


text:
Pafupifupi zaka makumi awiri momwe Gianni Versace adayendetsa yake nyumba, zolengedwa zake zakhala chikondwerero chimodzi moyo unakhala m'njira yosavuta komanso yabwino, moyo wopangidwa ndi ndege zapayokha ndi nyumba zachifumu zazikulu, moyo wopangidwa ndi madiresi osakhwima amadzulo owunikiridwa ndikuwala kwa paparazzi kapena magetsi a disco, mwachidule mawu okongola okongola aku Italiya.
Gianni ndi akazi
Gianni Versace anali ndi lingaliro lachindunji lachikazi. Zake zinali chimodzi ukazi wachikazi, mkazi wodzidalira, osadandaula za tsankho kapena kusefukira kwambiri, anamveka mkaziyo mphindi iliyonse ya moyo wake nthawi zonse yolimbikitsidwa ndi mlongo wake Donatella.
Tsikulo litafika, zovala zake zidatengera lingaliro la kuchitapo kanthu ndikuchepetsa ngati zovala za amuna osapereka nsembe yachikazi. Zovala zake zamadzulo, komano, nthawi yomweyo zidakhala zokhumba. Kuphulika kosadziwika kwa zapamwamba Versace wolemekezeka m'chovala chilichonse.
Kupanga kwa thumba lachitsulo
Mu 1982 Gianni Verace amapanga Oroton, nsalu yopangidwa ndi timatumba tating'onoting'ono tolumikizana ndi mnzake yomwe imapangitsa kuti zinthu zamadzimadzi zimatsanulidwa pamthupi zimakhudza kwambiri ma curve ake. Patangopita nthawi yochepa oroton idasandulika zovala zonyezimira, madiresi omwera akudzaza ndi diamondi potengera mtundu wa Maison wake, yemwe amapezeka m'mabungwe ake onse mpaka pano.


text:
iPhone / iOS
- 1. iPad zokhoma
- 2. Water Kuonongeka iPhone
- 3. iPhone Anapitirizabe Pochiza mumalowedwe
- 4. iPhone Mfundo mafano Nkhalangoyi Idzatheratu
- 5. Yamba iPhone Contacts Popanda zosunga zobwezeretsera
- 6. View iTunes zosunga zobwezeretsera
- 7. Yamba iPhone Video
- 8. Dead iPhone Data Recovery
- 9. Yamba iPhone Contacts
- 10. iMessages kuti Makompyuta
- 11. View iPhone SMS pa PC
- 12. Yamba WhatsApp Mauthenga pa iPhone
- 13. Yamba iPhone Data Popanda iTunes zosunga zobwezeretsera
- 14. Mabwinja iCloud zosunga zobwezeretsera
- 15. Yamba Chithunzi Mauthenga pa iPhone
- 16. Save Chithunzi kuchokera iMessages
Kodi kupulumutsa Pictures kuchokera iMessage kuti kompyuta
Ndingatani mwachindunji kupulumutsa zithunzi iMessage wanga iPhone anga kompyuta?
Ine ndikufuna mwachindunji kupulumutsa zithunzi iMessages wanga iPhone kuti kompyuta. Ndikudziwa kuti amene angapulumutse zithunzi wanga iPhone ndiyeno kusamutsa iwo kompyuta. Ndi pang'ono zosasangalatsa, chifukwa ine ndi zambiri zithunzi iMessage. Kodi ndingatani mwachindunji kupulumutsa onse zithunzi wanga iPhone iMessage ndi kompyuta?
Inde. Mukhoza mwachindunji kupulumutsa iMessage zithunzi kuchokera iPhone kuti kompyuta, koma muyenera kupempha thandizo kwa chachitatu chipani pulogalamu, amene amalola mwachindunji aone wanu iPhone kupeza deta pa izo ndi limakupatsani kuwapulumutsa pa kompyuta. Ngati ndiribe lingaliro za pulogalamu, inu mukhoza kukhala wanga umboni pano: Wondershare Dr.Fone kwa iOS (iPhone Data Recovery) (Mawindo) kapena Wondershare Dr.Fone kwa iOS (iPhone Data Recovery) (Mac). Onse a mapulogalamu mphamvu kuti aone mwachindunji alipo iMessage pa iPhone 5S / 5C / 5 / 4S / 4 / 3GS, kuphatikizapo ZOWONJEZERA monga zithunzi, mavidiyo ndi audio.
Koperani woyeserera wa mwambowu m'munsimu kwaulere:
Tsopano, tiyeni tione mmene kupulumutsa zithunzi iMessage pa Mawindo. Ngati ntchito Mac, inu mukhoza kutsata njira m'munsimu kugwira ntchito. Ndi kwambiri zofanana.
Gawo 1. Tithamange pulogalamu ndi kugwirizana wanu iPhone
Pogwiritsa ntchito Mawindo buku la Wondershare Dr.Fone kwa iOS, inu osiyana chachikulu zenera. Pamene pulogalamu amazindikira wanu iPhone, inu mudzazipeza izo monga chonchi:
Pakuti iPhone 4 / 3GS, inu mukhoza kulowa mu zipangizo akafuna mwa kuwonekera pa batani pansi pa pulogalamu ya zenera.
Gawo 2. Yambani aone wanu iPhone
Pakuti iPhone 5S / 5C / 5 / 4S owerenga: dinani "Yambani Jambulani" batani waukulu zenera. The pulogalamu aone wanu iPhone mu masekondi angapo.
Pakuti iPhone 4 / 3GS owerenga: Muyenera kulowa chipangizo cha kupanga sikani akafuna pamaso pa jambulani. Basi kutsatira njira pansipa:
- Khala chipangizo, ndi kumadula "Yambani" pa zenera.
- Gwirani Mphamvu ndi Home mabatani wanu iPhone pa nthawi yomweyo chifukwa ndendende 10 masekondi.
- Kumasula Mphamvu batani pamene 10 masekondi zapita, koma kusunga akugwira Home batani wina masekondi 15. Pambuyo kulowa mwambowu, ayamba kuyang'ana wanu iPhone basi mu masekondi angapo.
Gawo 3. lounikira ndi kusunga zithunzi iMessage kuti kompyuta
Monga zilili, inu mukhoza kuyamba zidzachitike pa anapeza deta pa jambulani. Mu jambulani Choncho, onse opezeka deta ali m'gulu bwino. Kupeza zithunzi iMessage, mukhoza alemba "Uthenga ZOWONJEZERA", kumene mungapeze onse ZOWONJEZERA kuchokera MMS ndi iMessage. Komanso, mukhoza kusankha "Mauthenga" kuti zidzachitike lonse lemba ndi atolankhani nkhani za iMessage. Kenako Mark amene mukufuna ndipo alemba "Yamba" kupulumutsa onse pa kompyuta ndi mmodzi pitani.
Dziwani izi: Pa msonkhanowu apeza posachedwapa fufutidwa iMessage, kuphatikizapo ZOWONJEZERA. Ngati mukufuna iwo, mungathe kugwiritsa ntchito batani pamwamba: Only kusonyeza fufutidwa zinthu.
Koperani woyeserera wa Wondershare Dr.Fone kwa iOS m'munsimu kwaulere tsopano:
ZOWERENGA ZINA
Achire fufutidwa iPhone mauthenga: Phunziro ili limasonyeza mmene akatenge fufutidwa mauthenga kuchokera iPhone m'njira zosiyanasiyana. Achire iPhone ojambula: Mukhoza kupezanso fufutidwa kulankhula popanda kubwerera kamodzi pa iPhone ndi 3 mapazi omasuka. Achire iPhone iMessages: Mukhoza kupezanso fufutidwa ojambula popanda kubwerera kamodzi pa iPhone ndi 3 mapazi omasuka.


text: 1. Mafotokozedwe Akatundu Chipangizo chozimitsira moto chakuthwa kwamadzi ndichabwino kumenyera moto pamsonkhano waukulu, malo ogulitsa, gulu, station, tunnel, nyumba yosungiramo, chipinda chamakina, lalikulu, ntchito yomanga ndi zina zambiri. Chipangizocho chimakhala chokwanira, chosavuta kusuntha, chimatha kufika pamoto mwachangu, ndipo ntchitoyo ndiyosavuta komanso yosavuta. Sankhani injini yamafuta ngati magetsi, yosavuta kugwiritsa ntchito ndikusunga, imatha kukupatsani mphamvu mosalekeza. Kuthamanga madzi nkhungu Wat ...


text:
1Paulo, mtumwi wa Khristu Yesu mwachifuniro cha Mulungu.
Kulembera oyera mtima a ku Efeso, okhulupirika mwa Khristu Yesu:
2Chisomo ndi mtendere kwa inu zochokera kwa Mulungu Atate athu ndi Ambuye Yesu Khristu.
Madalitso Auzimu mwa Khristu
3Tiyamike Mulungu, Atate a Ambuye athu Yesu Khristu, amene anatipatsa madalitso onse a uzimu kumwamba mwa Khristu. 4Dziko lapansi lisanalengedwe, Mulungu anatisankhiratu mwa Khristu kuti tikhale oyera mtima ndi wopanda cholakwa pamaso pake. Mwa chikondi chake, 5Iye anakonzeratu kuti ife titengedwe ngati ana mwa Yesu Khristu, molingana ndi kukonda kwake ndi chifuniro chake. 6Anachita zimenezi kuti tiziyamika ulemerero wa chisomo chake, umene watipatsa kwaulere mwa Khristu amene amamukonda. 7Mwa Yesu Khristu, chifukwa cha magazi ake, ife tinawomboledwa ndi kukhululukidwa machimo athu molingana ndi kuchuluka kwa chisomo cha Mulungu 8chimene anatipatsa mosawumira. Mwa nzeru zonse ndi chidziwitso, 9Iye watiwululira chifuniro chake chimene chinali chobisika, chimene anachikonzeratu mwa Khristu, molingana ndi kukoma mtima kwake. 10Chimene anakonza kuti chichitike nʼchakuti, ikakwana nthawi yake asonkhanitsa pamodzi mwa Khristu zinthu zonse za kumwamba ndi pa dziko lapansi.
11Iye anatisankhiratu mwa Khristu, atatikonzeratu molingana ndi machitidwe a Iye amene amachititsa zinthu zonse kuti zikwaniritse cholinga cha chifuniro chake, 12nʼcholinga chakuti, ife amene tinali oyamba kukhala ndi chiyembekezo mwa Khristu, tiyamike ulemerero wake. 13Ndipo inunso pamene munamva mawu a choonadi, Uthenga Wabwino wa chipulumutso chanu, munayikidwanso mwa Khristu. Mutakhulupirira, anakusindikizani chizindikiro pokupatsani Mzimu Woyera amene Iye analonjeza. 14Mzimu Woyerayo ndi chikole chotsimikizira kuti tidzalandira madalitso athu, ndipo kuti Mulungu anatiwombola kuti tikhale anthu ake. Iye anachita zimenezi kuti timuyamike ndi kumulemekeza.
Kuyamika ndi Kupemphera
15Choncho, kuyambira pamene ndinamva za chikhulupiriro chanu mwa Ambuye Yesu ndi za chikondi chanu pa oyera mtima onse, 16ine sindilekeza kuyamika Mulungu chifukwa cha inu. Ndimakukumbukirani mʼmapemphero anga. 17Ndimapemphera kuti Mulungu wa Ambuye athu Yesu Khristu, Atate a ulemerero akupatseni mzimu wa nzeru ndi wa vumbulutso, kuti mumudziwe kwenikweni. 18Ndimapempheranso kuti maso a mitima yanu atsekuke ndi cholinga choti mudziwe chiyembekezo chimene Iye anakuyitanirani, chuma cha ulemerero chomwe chili mwa anthu oyera mtima. 19Ndiponso ndikufuna kuti mudziwe mphamvu zake zazikulu koposa zimene zili mwa ife amene timakhulupirira. Mphamvuyi ndi yofanana ndi mphamvu yoposa ija 20imene inagwira ntchito pamene Mulungu anaukitsa Khristu kwa akufa, namukhazika Iye ku dzanja lake lamanja mʼdziko la kumwamba. 21Anamukhazika pamwamba pa ulamuliro onse ndi mafumu, mphamvu ndi ufumu, ndiponso pamwamba pa dzina lililonse limene angalitchule, osati nthawi ino yokha komanso imene ikubwerayo. 22Ndipo Mulungu anayika zinthu zonse pansi pa mapazi ake ndi kumusankha Iyeyo kukhala mutu pa chilichonse chifukwa cha mpingo, 23umene ndi thupi lake, chidzalo cha Iye amene adzaza chilichonse mu njira iliyonse.
1Paulo, apóstolo de Cristo Jesus pela vontade de Deus,
aos santos e fiéis1.1 Ou crentes em Cristo Jesus que estão em Éfeso1.1 Alguns manuscritos mais antigos não trazem que estão em Éfeso.:
2A vocês, graça e paz da parte de Deus nosso Pai e do Senhor Jesus Cristo.
As Bênçãos Espirituais em Cristo
3Bendito seja o Deus e Pai de nosso Senhor Jesus Cristo, que nos abençoou com todas as bênçãos espirituais nas regiões celestiais em Cristo. 4Porque Deus nos escolheu nele antes da criação do mundo, para sermos santos e irrepreensíveis em sua presença. 5Em amor nos predestinou1.4,5 Ou presença no amor. 5 Ele nos predestinou para sermos adotados como filhos, por meio de Jesus Cristo, conforme o bom propósito da sua vontade, 6para o louvor da sua gloriosa graça, a qual nos deu gratuitamente no Amado.
7Nele temos a redenção por meio de seu sangue, o perdão dos pecados, de acordo com as riquezas da graça de Deus, 8a qual ele derramou sobre nós com toda a sabedoria e entendimento. 9E nos1.8,9 Ou nós. Com toda a sabedoria e entendimento 9 nos revelou o mistério da sua vontade, de acordo com o seu bom propósito que ele estabeleceu em Cristo, 10isto é, de fazer convergir em Cristo todas as coisas, celestiais ou terrenas, na dispensação da plenitude dos tempos. 11Nele fomos também escolhidos1.11 Alguns manuscritos dizem feitos herdeiros., tendo sido predestinados conforme o plano daquele que faz todas as coisas segundo o propósito da sua vontade, 12a fim de que nós, os que primeiro esperamos em Cristo, sejamos para o louvor da sua glória.
13Quando vocês ouviram e creram na palavra da verdade, o evangelho que os salvou, vocês foram selados em Cristo com o Espírito Santo da promessa, 14que é a garantia da nossa herança até a redenção daqueles que pertencem a Deus, para o louvor da sua glória.
Ação de Graças e Oração
15Por essa razão, desde que ouvi falar da fé que vocês têm no Senhor Jesus e do amor que demonstram para com todos os santos, 16não deixo de dar graças por vocês, mencionando-os em minhas orações. 17Peço que o Deus de nosso Senhor Jesus Cristo, o glorioso Pai, dê a vocês espírito1.17 Ou o Espírito de sabedoria e de revelação, no pleno conhecimento dele. 18Oro também para que os olhos do coração de vocês sejam iluminados, a fim de que vocês conheçam a esperança para a qual ele os chamou, as riquezas da gloriosa herança dele nos santos 19e a incomparável grandeza do seu poder para conosco, os que cremos, conforme a atuação da sua poderosa força. 20Esse poder ele exerceu em Cristo, ressuscitando-o dos mortos e fazendo-o assentar-se à sua direita, nas regiões celestiais, 21muito acima de todo governo e autoridade, poder e domínio, e de todo nome que se possa mencionar, não apenas nesta era, mas também na que há de vir. 22Deus colocou todas as coisas debaixo de seus pés e o designou cabeça de todas as coisas para a igreja, 23que é o seu corpo, a plenitude daquele que enche todas as coisas, em toda e qualquer circunstância.


text:
United ikupatsa okonda mpira waku koleji mwayi wochulukirapo kuti awone gulu lawo lomwe amalikonda panjira m'dzinjali powonjezera maulendo 120 atsopano pandandanda yake.
Malinga ndi kafukufuku waposachedwa wa makasitomala okhulupilika a ndegeyi, opitilira 80% mwaokonda mpira waku koleji atha kuwuluka kukawona masewera nyengo ino.
United Airlines ikuwonjezera maulumikizidwe kumasewera opitilira 45 - kuphatikiza zina zazikulu kwambiri mdziko muno monga Alabama, Oklahoma, Iowa, Ohio State, Notre Dame ndi Michigan - ndipo matikiti akugulitsidwa pano.
"Otsatira mpira waku koleji amakonda kutsatira timu yawo panjira ndipo chaka chino tikupangitsa kuti zikhale zosavuta kuposa kale," atero a Michael Weeks, woyang'anira wamkulu wa chitukuko chanyumba ndi kufalitsa ku United.
"Tikuuluka mosalekeza kupita kumatawuni ena odziwika bwino a mpira mdziko muno, kuphatikiza South Bend, Columbus ndi Baton Rouge, komanso tikukulitsa ntchito yathu kugombe lakumadzulo kuti tithandize mafani ambiri a PAC 12 kupita kukasangalala ndi magulu awo. ”


text:
Ndi chiwongolero chachikulu chakunja chosungira, kuphatikiza kuyendetsa ntchito, yosavuta komanso yosavuta!
Yatsani makina, kulumikiza ngakhale mutachotsamo, ndi ikhoza kuwonetsa kuchuluka kwa mphamvu.
Chipolopolocho chimapangidwa ndi zinthu zachitsulo, ndizanzeru, zokongola, zapamwamba komanso zomasuka kukhudza. Kuchepetsa phokoso, kutulutsa madzi ndi ntchito yafumbi.
Batire Yapa:300mAh
Makutu: 60mAh * 2
Mawonekedwe a Bluetooth: m'badwo wachiwiri Bluetooth 5.0
Kutalika kwa nyimbo: hours 3-4
Kusasamala: 120dB
Kuthira mpweya: 3.7V
Phukusi ndilo: 1 x Makompyuta opanda zingwe opanda waya
Bwanji mupite pamanja pomwe zonse zitha kukhala zokha? Chifukwa chiyani mukukhala m'mibadwo yamdima, pomwe mutha kuvomereza zatsopano? Ziribe kanthu zomwe mukufuna kuchita, nthawi zonse pamakhala njira yosavuta komanso yosangalatsa yochitira. Ndipo ku Hotcakeshop, timachita bwino pazipatso zamagetsi zopanda kupsinjika? Inu betcha! Nanga bwanji zopangira madzi amagetsi, masupuni oyezera pamagetsi, zochotsera zingwe zamagalimoto, zomerera zamagetsi, zomvera m'makutu, ndi zojambulira zomveka bwino? Tawapeza onse! Mukuda nkhawa ndi mtengo wake? Musalole zimenezo zikuvutitseni inu. Tikugulitsa pamitengo yotsekemera komanso yotsika kwambiri. Inu simudzawona chirichonse chonga ichi kulikonse. Kungodina kamodzi ndipo moyo ndi wosavuta!
Chitsimikizo cha Hotcakeshop
Kukhutitsidwa kwanu kotheratu ndizomwe timayika patsogolo. Ngati muli ndi vuto ndi zomwe mwakumana nazo ndi Hotcakeshop, chonde titumizireni imelo posachedwa support@hotcakeshop.net
Kugula ndi Hotcakeshop kumabwera ndi chiwopsezo cha zero. Kukuthandizani kuti mukhale okhutira komanso kugula zinthu zopanda ngozi, nazi zathu Mndandanda wa Mfundo 6 za Chimwemwe:
- Kutumiza kwaulere. Kuwonekera kwathunthu popanda zodabwitsa kapena zolipiritsa zobisika.
- Tetezani zolipirira kudzera pa Stripe® ndi PayPal®.
- 30 Day Money Back Guarantee.
- Thandizo lamakasitomala kuchokera kwa anthu enieni - palibe bots!
- Kutsata kumaperekedwa pamaoda onse.
- Ziphaso za SSL zobisika zachitetezo cha data 100%.
------
Konzani tsopano pogwiritsa ntchito batani la 'Add To Cart'.
Kupezeka Kwapang'onopang'ono! Chitanipo kanthu tsopano kuti mupewe kuphonya!


text:
Anthu ochulukirachulukira amasankha kuyesa mbali zosiyanasiyana za thupi pojambula. Pambuyo pake, ambiri ...
Chizindikiro cha ntchafu, monga ma tattoo m'malo ena amthupi, chakhala ndi mbiri yakale komanso ...
Apanso tinakambirana za mutu wa tattoo pa instep, makamaka pazonse zomwe tiyenera kudziwa. Zojambula ...
Ma tattoo athunthu amiyendo ndiabwino kwambiri, bola ngati akonzedwa bwino, inde. Mwina ndi…
Zolemba zakale kusukulu yakale ndizosangalatsa. Ndi njira yolemekezedwa kwambiri ya ma tattoo chifukwa inali kiyi wa ...
Kapangidwe ka mphini pa ng'ombe ndi imodzi mwazomwe zimagwiritsidwa ntchito mosiyanasiyana komanso kukula kwake, popeza ...
Nthawi zingapo ku Tatuantes takambirana za nkhani ya ma tattoo a akakolo. Gawo ili la ...
Maluwawo ndiabwino kuti aziwoneka bwino pathupi lonse. Mwina ndi imodzi mwamafayilo omwe amafunidwa kwambiri….
Ma tattoo pa mwana wa ng'ombe ndi zidutswa zomwe zimayang'ana kumbuyo kwa mwendo, momwemo ...
Ma tattoo amiyendo a amuna nthawi zonse amakhala lingaliro labwino. Kuphatikiza pa mikono, chifuwa kapena ...
Kukwera kwa ma tattoo akambuku sikungatheke. Anthu ochulukirapo amalimbikitsidwa kuti ...


text:
Bedi la Galvanized Steel Raised Garden
Tsatanetsatane wa Zamalonda
Zolemba Zamalonda
Mbali
* Yoyenera kubzala masamba, maluwa ndi zomera pabwalo lanu.
* Wopangidwa ndi mbale yachitsulo, mawonekedwe ozungulira komanso mawonekedwe ozungulira / oval/rectangle.
* Zokongola, Zokhazikika komanso zolimba.
*Mabedi okwera ndi osavuta kubzala, tizirombo ndi maudzu ochepa.
*CHITETEZO: Mapangidwe opanda pake, zomera sizinakhudze zitsulo ndipo zokutira zachilengedwe sizimayipitsa nthaka, zotetezeka kwa zomera ndi anthu.
Zofotokozera
Kudziwa mankhwala
* Chinsinsi chomeretsa zomera zokongola ndi mizu yabwino.Bokosi lozama ili limalimbikitsa mizu kuti ikule mwamphamvu komanso yathanzi.
* Limani zipatso ndi ndiwo zamasamba kuchokera m'munda mwanu, Mumamva kukoma kwatsopano komanso kutsekemera.
* Chida ichi chakhala ndi chitetezo m'mphepete kuti chitetezedwe m'mphepete mwa Dimba.
* Wopangidwa ndi Anti dzimbiri wandiweyani chitsulo kanasonkhezereka, zinthu zabwino kwa mabokosi obzala okhalitsa.
* Kukhazikitsa mwachangu komanso kosavuta ndi malangizo osavuta kutsatira.
Kugwiritsa ntchito
1. Kuyika:, perekani malo okulirapo okulirapo kuti mumere masamba, zitsamba, maluwa ndi mbewu.
2. BEDI WOTSEGULIKA PA GARDEN: Womangidwa ndi maziko otseguka kuti madzi asachuluke ndi kuvunda, pomwe amalola kuti mizu ikhale yosavuta kupeza zakudya.
3. CHITETEZO: Kapangidwe kopanda kanthu, zomera sizinakhudze zitsulo ndipo zokutira zachilengedwe sizimayipitsa nthaka, zotetezeka kwa zomera ndi anthu.
4. MSONKHANO WOsavuta: M'mphepete mwa beveled mutha kupotoza m'mbali mosavuta pogwiritsa ntchito screwdriver ya Phillips ndi mapiko ndi zomangira zomwe zilimo kuti zakonzeka posachedwa.


text:
Malo ochezera a nsalu zopepuka
Tsatanetsatane wa Zamalonda
Zolemba Zamalonda
KUKANGA KWAMBIRI
The Light Lounge imapanga chowonjezera chabwino pagulu lililonse lakunja.Mafelemu amapangidwa kuchokera ku aluminiyamu yosalala, yopepuka komanso yokutidwa ndi ufa kuti isagonjetse nyengo.
KUSINTHA KWA GAWA
Kuwala kwa Sunlounge backrest kumagwiritsa ntchito kusintha kwamanja kwa zida, zida zilizonse zokhala ndi zida zapulasitiki zopanda phokoso, zimasintha kutalika kwake molingana ndi chitonthozo, ndipo zimatha kuchepetsa phokoso.
WOFEWA KOMA WOTHANDIZA
Chophimba cha aluminiyamu cha ufa chimapachikidwa ndi mesh yolimba, yothandiza yomwe imakhazikika ngati hammock ndikuwuma pang'onopang'ono komanso sidzagwedezeka kapena kutambasula.
Chiwonetsero cha Light Textile Lounge
Wojambula: Magee Tam
Malo ojambulira: Foshan, China Nthawi yojambula: May.2019


text:
Zamkatimu
- Zosakaniza za tincture
- Maphikidwe a tincture wa blackcurrant
- Classic blackcurrant tincture pa moonshine
- Black currant ndi tincture wa jamu
- Blackcurrant tincture ndi yamatcheri
- Tincture wakuda currant masamba ndi zipatso
- Blackcurrant uchi tincture
- Blackcurrant pa cognac
- Quick tincture pa blackcurrant mowa ndi zouma apricots
- Kanema Chinsinsi cha onunkhira blackcurrant tincture ndi timbewu
- Blackcurrant tincture ndi raspberries
- Blackcurrant tincture pa gin
- Blackcurrant tincture pa tchipisi cha oak
- Frozen blackcurrant tincture
- Kupanikizana kwa currant tincture
- Currant tincture ndi chitowe
- Zokometsera blackcurrant tincture
- Currant moonshine ndi zipatso zouma
- Mayankho ochokera kwa odziwa bwino distillers
Blackcurrant tincture ndi onunkhira, chakumwa chowala chomwe chidzakongoletsa phwando lililonse. Zipatso za currant zakhala zikudziwika chifukwa cha kukoma kwawo kwakukulu, okoma pang'ono komanso owawa pang'ono. Lili ndi shuga wokwanira wofunikira kupanga vinyo wabwino kwambiri.
Kununkhira kodabwitsa kumakupatsani mwayi wopeza ma liqueurs, ma liqueurs ndi ma tinctures.
Kwa okonda zakumwa zopangira kunyumba, izi ndi godsend chabe, zipatso zilipo komanso zosakwera mtengo. Ndipo blackcurrant imadziwika ndi machiritso ake. Zipatso zimakhala ndi mavitamini ambiri, magnesium, mkuwa, phytoncides.
Amapanganso ma liqueurs kuchokera ku blackcurrants, vinyo
Zosakaniza za tincture
Pokonzekera ma tinctures a currant, zipatso zakupsa zamtundu uliwonse wakuda ndizoyenera. Kukoma komanso kununkhira kwa currant, ndikokoma kwa tincture. Poyamba, zipatsozo ziyenera kutsukidwa bwino, zolekanitsidwa ndi zisa, zinyalala za zomera, tizilombo, komanso zipatso zowonongeka ndi zowonongeka.
Vodka, kuwala kwa mwezi, cognac, mowa woyeretsedwa komanso ngakhale gin ndizoyenera ngati mowa.
Ndikofunikira kwambiri kuti ikagwiritsidwa ntchito muzakudya zamomwezi, iyenera kukhala yoyeretsedwa kwambiri kuchokera ku tizigawo tating'ono ta mutu ndi mchira.
Kuti muwonjezere kukoma, maphikidwe ena a tincture amaphatikizanso zowonjezera. Zokometsera, zipatso, zipatso, uchi, zitsamba zimagwiritsidwa ntchito ngati zowonjezera.
Maphikidwe a tincture wa blackcurrant
Pali maphikidwe opitilira khumi ndi awiri a ma tinctures pa zipatso za blackcurrant. Tinayesetsa kusankha zakumwa zotchuka kwambiri. Onse ayesedwa mwakuchita ndi m'badwo wopitilira umodzi wa ma distillers akunyumba. Kupanga chakumwa chanu sikovuta. Ndi kukonzekera koyenera, tincture ya blackcurrant pa vodka kapena cognac imatha kupikisana ndi zakumwa zamtengo wapatali.
Classic blackcurrant tincture pa moonshine
Mtundu wachikhalidwe wa tincture wa currant umakonzedwa pa mowa uliwonse ndi mphamvu ya 40-45%. Chinsinsi chakumwa chosavuta, chomwe chimaphatikizapo kugwiritsa ntchito zinthu ziwiri zokha - zipatso ndi mowa. Chakumwa chomalizidwa chimakhala ndi mtundu wakuda wokongola komanso fungo lokoma.
Kupanga:
- Vodka, kuwala kwa mwezi 40-45% - 750 ml;
- Blackcurrant - 500 ml;
- Shuga - posankha.
Kodi kuphika:
- Ikani zipatso zotsukidwa ndi peeled mu mtsuko woyera.
- Thirani mowa woyenera (vodka, mowa, kuwala kwa mwezi).
- Tsekani mwamphamvu ndikusiya kwa masabata atatu.
Kuti kulowetsedwa kukhale kokwanira, ndikofunikira kugwedeza kamodzi patsiku.
- Pewani tincture yomalizidwa ndi fyuluta.
- Ngati ndi kotheka, kuti muchepetse kukoma, onjezerani uchi wochepa kapena fructose.
- Thirani chakumwa chomalizidwa mu galasi.
Alumali moyo wa tincture ndi kusungidwa bwino ndi zaka 2.
Black currant ndi tincture wa jamu
Pakati pa ma distillers odziwa zambiri, Chinsinsichi ndichotchuka kwambiri ndipo chili ndi ndemanga zambiri zabwino.
Zopangira:
- Mowa 40-45% - 1,5 lita;
- Black currant - 1 l;
- Gooseberries - 1 l;
- Shuga - 200 gr.
Pang'onopang'ono kuphika:
- Ikani gooseberries ndi currants mu atatu lita mtsuko, kuwaza ndi shuga.
- Thirani mu vodka kapena kuwala kwa mwezi pamwamba kwambiri. Tsekani chivindikiro ndikuyambitsa bwino.
- Sungani kulowetsedwa kwa masiku 45.
- Sefa mu sieve yabwino, kenako sefa ndi thonje pedi.
- Thirani zomalizidwa tincture mu mabotolo, Nkhata Bay, sitolo pa malo ozizira.
Blackcurrant tincture ndi yamatcheri
Wina woyenera Chinsinsi kubwereza. Kuphatikiza yamatcheri ndi ma currants kumapatsa chakumwacho kukoma kodabwitsa komanso fungo labwino.
Tincture imatha kukonzedwa kuchokera ku zipatso zatsopano komanso zozizira.
Zosakaniza:
- Kuwala kwa mwezi, vodka kapena cognac - 1 l;
- Currants - 2 tbsp.;
- Cherry - 1 tbsp.;
- shuga - 100 gr.
Kuphika Chinsinsi:
- Konzani ndi kusamba zipatso, kuika mu galasi chidebe.
- Muziganiza shuga mowa, ndiye kutsanulira mu mbale ndi zipatso.
- Sungani kulowetsedwa mu chidebe chatsekedwa kwa masiku 20, oyambitsa masiku awiri aliwonse.
- Sefa ndikusefa chakumwa chomwe chatsirizidwa, kenako ndikubotolo.
Tincture wakuda currant masamba ndi zipatso
Miyeso:
- vodka - 750 ml;
- Currant - 1 kg.
- Blackcurrant masamba - 6 ma PC.;
- Shuga - 100 gr.
Kukonzekera kwa tincture:
- Sambani zipatso zomwe mwasankha bwino, mulole kukhetsa ndi madzi.
- Ikani pamodzi ndi masamba pansi pa mtsuko.
- Kuwaza nkhani ndi shuga, akuyambitsa.
- Siyani mtsuko, wokutidwa ndi yopyapyala mu masiku awiri kutentha, ndiye kutsanulira mu mowa wamphamvu.
- Sungani kulowetsedwa kwa masiku 30, ndiye kupsyinjika ndi fyuluta.
Blackcurrant uchi tincture
Chinsinsichi ndi cha malita atatu. Tincture ndi uchi imapangitsa chakumwa kukhala chofewa komanso chathanzi.
Zosakaniza:
- Kuwala kwa mwezi 45% - 2 l;
- Blackcurrant - 1 kg;
- Uchi - supuni 4
Momwe mungalimbikitsire kuwala kwa mwezi:
- Ikani anatsuka zipatso mu mbale kwa kulowetsedwa.
- Knead ndi pini yokulungira mu homogeneous misa.
- Thirani kuwala kwa mwezi pamwamba, onjezerani uchi wamadzimadzi.
- Sakanizani osakaniza bwino, kuphimba mbale ndi chivindikiro.
- Kuumirira masiku 20 m'malo amdima.
- Kupsyinjika, finyani zamkati. Sefa chifukwa chakumwa.
- Thirani mu mabotolo, Nkhata Bay.
Blackcurrant pa cognac
Kwa chakumwa, cognac yamtundu wamtengo wapatali ndiyoyenera. ! Cognac ikhoza kusinthidwa ndi mphesa kapena brandy ya zipatso zopangidwa kunyumba.
Zidzakhala:
- Cognac - 1 l;
- Black currant - 600 g;
- shuga - 150 gr.
Kukonzekera:
- Sungani ndi kutsuka ma currants.
- Ikani zipatso mu mtsuko, kuwonjezera shuga.
- Thirani mowa wamphesa, kuyambitsa kulowetsedwa.
- Sungani kulowetsedwa ataphimbidwa kwa masiku 15.
- Pewani tincture wa cognac ndi fyuluta.
Quick tincture pa blackcurrant mowa ndi zouma apricots
Kupanga:
- Mowa 90-96% - 1 l;
- Blackcurrant - 250 ml;
- prunes - 3 ma PC;
- Nkhumba - 3 pcs.;
- Madzi - 500 ml;
- Shuga - 1 tsp
Zoyenera kuchita:
- Ikani zonse zosakaniza mu mbale ya mowa.
- Thirani mowa, kutseka chidebecho.
- Adzapatsa kwa tsiku, ndiye kupsyinjika.
- Sakanizani kulowetsedwa kwa mowa ndi madzi.
- Lolani chakumwacho chipume kwa maola 2-3 ndipo mutha kuchitira alendo.
Kuti muwonjezere mphamvu ya kulowetsedwa, mutha kugwiritsa ntchito VAKS vacuum lids, zomwe zitha kugulidwa pasitolo iliyonse yamagetsi.
Kanema Chinsinsi cha onunkhira blackcurrant tincture ndi timbewu
Blackcurrant tincture ndi raspberries
Zosakaniza:
- vodka, kuwala kwa mwezi - 1 l;
- rasipiberi - 250 ml;
- mchere - 250 ml;
- Shuga - 1 tbsp
Kukonzekera:
- Ikani raspberries ndi currants mu mtsuko.
- Thirani vodka kapena kuwala kwa mwezi pa zipatso kuti mowa uphimbe zipatso.
- Onjezani shuga, sakanizani bwino.
- Kuumirira, yokutidwa ndi chivindikiro kwa 3 milungu.
- Okonzeka kumwa mosamala fyuluta.
Blackcurrant tincture pa gin
Chakumwacho chili ndi kukoma koyambirira komanso kwapadera, ndikhulupirira kuti ma gourmets adzayamikira tincture ndi mlingo wapamwamba.
Kupanga:
- Jini - 750 ml;
- Black currant - 1 l;
- Fructose - 1 tsp;
- Peel ya mandimu - 5 g.
Chinsinsi chotsatira ndi chilichonse:
- Sinthani zipatso, nadzatsuka ndi madzi ofunda, pindani pa pepala chopukutira.
- Ikani zosakaniza zonse, kuphatikizapo zipatso, mumtsuko.
- Thirani gin, kusiya kwa masiku 20 pamalo ozizira.
- Sefa, kutsanulira mu galasi.
Blackcurrant tincture pa tchipisi cha oak
Zosakaniza:
- Mowa (moonlight) 70% - 750 ml;
- Blackcurrant - 250 ml;
- masamba a currant - 3 ma PC.;
- Tchipisi cha oak (makungwa) - 10 g;
- Madzi - 300 ml.
- Fructose - supuni 1;
- Zest ya theka la mandimu.
Ndizololedwa kusintha tchipisi ndi magawo a walnuts kapena mtedza wa paini.
Kukonzekera:
- Sambani masamba ndi zipatso pansi pa madzi.
- Ikani zigawo zonse za zigawozo (kupatula madzi ndi fructose) m'mbale yoyenera.
- Thirani mowa kapena kuwala kwa mwezi kwawiri distillation.
- Tsekani mwamphamvu ndi chivindikiro ndikusiya kwa masiku 15. Ndikoyenera kugwedeza zomwe zili mkati kamodzi patsiku.
- Kupsyinjika ndi zosefera chifukwa kulowetsedwa.
- Sungunulani fructose m'madzi, kutsanulira mu tincture wa mowa.
- Sungani chakumwa kwa masiku ena 5-7 mpaka mutakonzeka.
Frozen blackcurrant tincture
Zimachitika kuti sizingatheke kukonzekera tincture kuchokera ku zipatso zatsopano, muzochitika izi simungathe kusiya cholinga chanu ndikukonzekera tincture wa mazira a currants ndi vodka kapena mowa wina. Nthawi yomweyo, mabulosiwo samataya mawonekedwe ake ofunikira, onunkhira komanso okoma.
Zosakaniza:
- mowa, mowa wamphamvu - 500 ml;
- Zipatso zouma - 400 g;
- Shuga mwasankha.
Njira yophikira:
- Pezani zipatso zozizira, chokani usiku wonse kuti musungunuke mwachilengedwe.
- Mu chisanadze okonzeka galasi mtsuko ndi kuwonjezera zipatso ndi shuga, kutsanulira mowa.
- Adzapatsa kwa masiku 30, ndiye kupsyinjika ndi fyuluta.
Kupanikizana kwa currant tincture
Kwa Chinsinsi, kupanikizana kulikonse kuchokera ku currants kapena grated ndikoyenera. Ndikofunika kuti zisawonongeke komanso zisakhale ndi nkhungu.
Kupanga:
- mchere - 500 g;
- Vodka - 500 ml.
Njira yophika:
- Sakanizani kupanikizana ndi vodka.
- Kuumirira masiku 30, osayiwala kugwedeza.
- Mukakonzeka, tsitsani chakumwa kuchokera mumatope ndikusefa.
- Thirani mu mabotolo.
Currant tincture ndi chitowe
Miyeso:
- Mowa 40-45% - 1500 ml;
- mchere - 500 ml;
- Masamba atsopano a currant - 10 ma PC.;
- Chitowe - 5 gr.
Zoyenera kuchita:
- Ikani zipatso zotsuka mu mbale yoyera ndikuphwanya ndi pini.
- Ikani masamba ndi chitowe mu puree ya mabulosi.
- Thirani mowa woyenera, kutseka chidebecho ndi chivindikiro.
- Kuumirira masiku 30.
- Chotsani sediment ndi fyuluta.
Zokometsera blackcurrant tincture
Zosakaniza:
- Kuwala kwa mwezi 50% - 1 l;
- Black currant - 500 ml;
- Zolemba - ma PC 1;
- sinamoni - 1/3 pc.;
- Madzi - 300 ml;
- shuga - 100 g;
- Vanila shuga - uzitsine.
Kukonzekera:
- Sanjani zipatso kuchokera ku zinyalala ndikutsuka.
- Ikani mu galasi mbale, kutsanulira moonshine, kutseka mwamphamvu.
- Chotsani m'malo amdima kwa masiku 15.
- Sefa kulowetsedwa ndi fyuluta.
- Onjezerani shuga, zonunkhira m'madzi, bweretsani kwa chithupsa, mulole kuziziritsa.
- Sakanizani zokometsera decoction ndi kulowetsedwa, kusiya kwa masiku 7-10.
- Sefanso. Mutha kulawa.
Currant moonshine ndi zipatso zouma
Zopangira:
- kuwala kwa mwezi - 1 l;
- zipatso - 250 ml;
- Maapulo owuma - 3 supuni;
- Shuga - supuni 1
Kukonzekera:
- Ikani zosakaniza zonse mumtsuko.
- Thirani vodka, kuwala kwa mwezi kumaumirira masiku 15.
- Sefa chakumwa chomalizidwa, botolo.
Mayankho ochokera kwa odziwa bwino distillers
Kodi zipatso zouma zitha kugwiritsidwa ntchito?
Kodi currant iyenera kutengedwa bwanji pa lita 1 ya kuwala kwa mwezi?
Kodi zipatso zimatha kuphwanyidwa?
Zoyenera kuchita ngati chakumwacho chili ndi mitambo?
Ndi mowa uti womwe uli wabwino kulowetsedwa (moonlight, vodka kapena mowa)?
Zoyenera kuchita ngati tincture wawawa?
Ndi madigiri angati omwe ayenera kukhala mu tincture yomalizidwa?


text:
Ndi chidindo chimodzi cha HTML , mutha kukhazikitsa "AMPHTML jenereta kuchokera amp-cloud.de" patsamba lanu ndikupatsani mtundu wa AMP patsamba lanu !
Wopanga ma tag a AMPHTML ndiwosintha kwaulere "HTML mpaka AMPHTML" ndipo amapanga mtundu wa AMP wosavuta kugwiritsa ntchito tsamba lanu kutengera mtundu wa HTML wa tsamba lanu. Mutha kugwiritsa ntchito tag ya rel = "amphtml" , mutayika patsamba lanu, yambitsani Google AMP popanda kupanga pulogalamu ya AMPHTML nokha!

Chizindikiro chopangidwa cha   chiyenera kuyikidwa mu   m'dera la tsamba la HTML lapadera patsamba lililonse lomwe tsamba la AMP lipangidwenso.
Izi zikutanthauza kuti meta tag ya AMPHTML iyenera kupangidwa patsamba lililonse laling'ono, lomwe lili ndi ulalo wa tsambalo la HTML!
Kapenanso, mutha kugwiritsa ntchito amodzi mwa mapulagini a AMP otsatirawa, omwe amangopanga ndikuyika chizindikiro cha meta cha Google AMP patsamba lililonse:
Makina osakira monga Google amasanthula pafupipafupi zomwe zimapezeka patsamba lililonse. Ngati injini yosakira ikapeza chikwangwani cha  , injini yosakira imayang'ananso ulalo womwe umatchulidwa pamenepo ndikusunga nambala ya AMPHTML yomwe imasungidwa mu cache yake ya AMP!
Makina osakira atangosunga mtundu uwu wa AMP, mtunduwu umaganiziranso zotsatira zakusaka, kutengera momwe asaka ndi malo, akuwonetsedwa kwa ogwiritsa ntchito ngati zotsatira zakusaka.
Poisunga mu cache ya AMP pa seva ya injini zosakira, mtundu wa AMP ukhoza kunyamulidwa mwachangu kwambiri. Tsambalo limakhala ndi nthawi yotsitsa bwino ndipo limakonzedweratu pazida zamagetsi.


text:
Olemba malamulo mu Senate Judiciary Committee akuyembekezeredwa kuti afunse Zatko pazomwe akunena kuti Twitter ilibe chitetezo chosadziwika komanso chitetezo chachinsinsi chomwe chikhoza kuopseza ogwiritsa ntchito, osunga ndalama, komanso ngakhale chitetezo cha dziko la United States.
Zomwe Zatko anena pamsonkhano wa Lachiwiri zitha kuyambitsa kufufuza kozama ndi Congress, olamulira aboma komanso akuluakulu azamalamulo. Umboni wake ukhozanso kusokoneza nkhondo yalamulo pa mgwirizano wa Twitter bilionea Elon Musk adzakhala nawo, ndipo amabwera tsiku lomwelo omwe ogawana nawo pa Twitter akuyenera kuvota pa mgwirizano.
M’mawu ofotokozera omwe adatumizidwa kwa opanga malamulo angapo ndi mabungwe aboma mu Julayi, Zatko adadzudzula Twitter chifukwa cholephera kuteteza zidziwitso za ogwiritsa ntchito ndikuwulula mbali zowopsa za ntchito yake kwa anthu ambiri, kuphatikiza kupezeka kwa azondi akunja. Zatko – yemwe anali mtsogoleri wa chitetezo pa Twitter kuyambira Novembala 2020 mpaka pomwe adachotsedwa ntchito mu Januware – adanenanso kuti oyang’anira makampani, kuphatikiza CEO Parag Agrawal, adasokeretsa mwadala oyang’anira ndi oyang’anira kampaniyo za zolakwika zake.
Twitter yadzudzula ndikuteteza Zatko kwambiri motsutsana ndi zomwe zanenedwazo, ponena kuti kuwululidwaku kumapereka “nkhani yolakwika” yokhudza kampaniyo. Mneneri wa kampaniyo adati Zatko adachotsedwa ntchito chifukwa cha “kuyendetsa bwino komanso kusagwira bwino ntchito”. Zatko mwiniwake adanenanso powulula kuti adachotsedwa ntchito pobwezera chifukwa chodandaula za mabowo achitetezo komanso zonena zabodza za akuluakulu a Twitter ku board.
“Zonena za Bambo Zatko za kulephera kwa chitetezo chofala komanso kusokoneza kwa mayiko akunja pa Twitter zimabweretsa nkhawa yaikulu,” Senators Dick Durbin ndi Chuck Grassley, wapampando ndi mkulu wa Republican wa Senate Judiciary Committee, adatero m’mawu mwezi watha akulengeza za nkhaniyi.
Opanga malamulo akuyenera kuyang’ana pa zolakwika zomwe Twitter amazinena poteteza deta ya ogwiritsa ntchito, komanso zonena za Zatko kuti kampaniyo ili pachiwopsezo chogwiriridwa ndi maboma akunja komanso kuti tsopano ikhoza kukhala ndi akazitape akunja pamalipiro ake. Zatko adanenanso kuti Twitter ikuphwanya lamulo la chilolezo cha 2011 ndi Federal Trade Commission, zonena kuti, ngati zatsimikiziridwa, zikhoza kubweretsa mabiliyoni a madola chindapusa kwa kampaniyo. Oyang’anira akuluakulu a Twitter angathenso kuyankha mlandu ngati atapezeka kuti ali ndi udindo wophwanya malamulo.
Musk, yemwe pakali pano akulimbana ndi Twitter kukhothi kuti atulutse mgwirizano wogula $ 44 biliyoni, akuyeneranso kuyang’anitsitsa umboni wa Zatko. Gulu lazamalamulo la Musk Lachisanu linatumiza kalata yachitatu ku Twitter yofuna kuthetsa mgwirizanowu, ponena kuti ndalama zokwana madola 7,75 miliyoni kwa Zatko mu June, asanaulule zolakwazo, zinaphwanya udindo wa kampaniyo mu mgwirizano wolanda. Kalatayo idanenanso kuti malipirowo adawululidwa kukhothi lomwe adalemba pa Twitter koyambirira kwa mwezi uno. Lolemba, Twitter idayankha potcha uthenga wa Musk “wabodza komanso wabodza” ndikuti sunaphwanye mgwirizano.
Maudindo aliwonse azamalamulo omwe Zatko angakhale nawo pansi pake saletsa kuti asaulule kwa opanga malamulo ndi mabungwe azamalamulo, malinga ndi Whistleblower Aid, bungwe lomwe limapereka choyimira mwalamulo cha Zatko.
Thandizo la woimba mluzu lidaimiridwa ndi Frances Hogan, wogwira ntchito wakale wa Facebook yemwe analiza mluzu kwa chimphona chawayilesi chaka chathachi. Kuwulula kwake kudapangitsa kuti pakhale zokambirana zambiri, komanso malingaliro azamalamulo ndi kusintha kwa kampaniyo.
Woimba mluzu wodziwa zambiri pa Capitol Hill
Zatko si mlendo ku Capitol Hill. Mu 1998, Zatko anakaonekera pamaso pa Senate Governmental Affairs Committee monga m’gulu la anthu ophwanya malamulo omwe anauza Congress mwamsanga kuti zipangizo zamakono zomwe zimagwiritsidwa ntchito pa intaneti sizinali zotetezeka. Zatko anachenjeza opanga malamulo panthawiyo kuti: “Ngati mukuyang’ana chitetezo cha makompyuta, intaneti si malo anu.”
Zina mwa zomwe Zatko adanena zomwe zaphulika kwambiri ndizoti pafupifupi theka la ogwira ntchito pa Twitter, kuphatikizapo mainjiniya onse, awonjezera mwayi wopeza zomwe kampaniyo imachita komanso zomwe zimagwira ntchito, kuphatikiza zomwe ogwiritsa ntchito. Izi zikusiyana ndi makampani ena akuluakulu aukadaulo, akutero, komwe kulembera ndi kuyesa kumachitika m’malo achinsinsi komanso osiyana kutali ndi zomwe ogula amagwiritsa ntchito. Zatko akutinso Twitter idalephera kuchotseratu deta ya ogwiritsa ntchito omwe adaletsa maakaunti awo, nthawi zina chifukwa Twitter idataya chidziwitsocho. Zatko adanena kuti zolephera zomwe akuti zikulephera zikuyimira kuphwanya lamulo la Twitter la 2011 FTC.
Twitter idati mamembala ake a uinjiniya ndi magulu azogulitsa ali ndi chilolezo cholowera papulatifomu ya Twitter ngati ali ndi chifukwa chabizinesi kuti achite izi, koma mamembala am’madipatimenti ena – monga zachuma, zamalamulo, malonda, malonda, anthu, ndi chithandizo – sangathe. . Twitter idatinso yapanga ma workflows amkati kuti awonetsetse kuti ogwiritsa ntchito akudziwa kuti akaletsa maakaunti awo, kampaniyo itseka maakaunti ndikuyamba kufufuta. Koma Twitter yakana kunena ngati nthawi zambiri imamaliza izi.
Kuwululidwa – komwe kumaphatikizapo lipoti la kampani yachitatu ya 2021 yoyeserera pa Twitter kuti athe kuthana ndi zabodza – ikudzudzula kampaniyo kuti ili ndi zinthu zofunika kwambiri pakati pamagulu achitetezo ndi chitetezo komanso kutsata zabodza komanso kusokoneza nsanja. Kumbali yake, Twitter ikuti ili ndi “gulu lomwe limagwira ntchito padziko lonse lapansi lomwe limayang’ana kwambiri kuchepetsa kufalitsa zabodza komanso kulimbikitsa malo omwe amathandizira kuti pakhale zokambirana zabwino komanso zomveka.”
musk factor
Umboni wa Zatko – ndi zotsatira zilizonse za opanga malamulo ndi owongolera – zitha kukhala ndi zotsatirapo pazamgwirizano wamilandu pakuyesetsa kwa Musk kusiya mgwirizano womwe adapanga kuti agule kampaniyo.
Zatko akuti Twitter idasokeretsa Musk ndi anthu za kuchuluka kwa bots papulatifomu yake – nkhani yomwe idakhala yofunika kwambiri pakuyesa kwa Musk kusiya mgwirizano. Zotsutsa zina pakuwulula kwake zimapereka makadi akutchire atsopano kuti amenyane.
Sabata yatha, woweruza wa ku Delaware adagamula kuti Musk atha kuwonjezera zomwe akunena pamlanduwo potengera zomwe waululira. Gulu la Musk lidayenera kuchotsa Bazatko Lachisanu.
Twitter idakana kalata ya Musk, ponena kuti “zinangotengera mawu omwe adanenedwa ndi munthu wina yemwe, monga Twitter adatchulira kale, ali ndi zosagwirizana ndi zolakwika komanso alibe nkhani yofunika.” Kampaniyo idatsimikiza kuti ikufuna kutseka mgwirizanowo pamtengo womwe wagwirizana komanso zomwe zidagwirizana.
Musk ndi Twitter akuyenera kuyimilira mlandu pazamgwirizanowu mu Okutobala, woweruza atakana pempho la Musk kuti achedwetse zomwe zidachitika pambuyo powululira Zatko.


text:
Chilichonse chikhoza kuchitika kumalo obwereketsa tchuthi. Ndipo nthawi zina chilichonse Kodi zikuchitika.
Maloto owopsa a lendi amayambira pazovuta zazing’ono, monga nyerere, mpaka ku maloto owopsa, monga kusefukira kwa madzi. Monga woyimira ogula, ndaziwona zonse.
Nyerere zakhala anzanga osafunidwa m’nyumba ina ku Athens chilimwe chino. Nditangoika chidutswa cha baklava pa mbale iwo adachizungulira, okonzeka kuchitsitsa. Ndipo ponena “kuchitsitsa,” ine ndikutanthauza monga nyerere zofiira zija Indiana Jones ndi Ufumu wa Crystal Skull. Panalibe kuwathawa – mpaka woyang’anira yobwereka adatumiza kupha.
Sindidzaiwala kanyumba ka ku Pennsylvania komwe kanatsala pang’ono kukokoloka ndi kusefukira kwa madzi m’chilimwe chapitacho. Pambuyo pa kusefukira kwadzidzidzi, ndinaganiza kuti galimoto yanga idzayandama pamtsinje wapafupi. Mwamwayi, zimenezo sizinachitike.
Ndikaganizira za masokawa, ndimadzifunsa kuti: Kodi inshuwaransi yoyendayenda ikanapangitsa kusiyana kulikonse?
Nthawi zina yankho limakhala inde. Ndipo zikuoneka kuti apaulendo akhala akuganiza zomwezo posachedwapa.
“Pamene maulendo apanyumba akuchulukirachulukira, tawona kuchuluka kwa anthu apaulendo omwe akufuna kubisala kuwonongeka kwa malo ochitira tchuthi odziyimira pawokha,” atero a Katie Crowe, olankhulira kampani ya inshuwaransi yapaulendo ya Battleface.
Koma kodi inshuwaransi ndiyofunikira kuti mukhale patchuthi? Kodi imaphimba chiyani, ndipo ikufanana bwanji ndi – komanso yosiyana ndi – inshuwaransi yoyenda nthawi zonse?
Inde, mungafunike inshuwaransi yobwereka patchuthi
Ngati mukukhala patchuthi, inshuwaransi yapaulendo ndiyofunikira, atero a Christina Tuna, manejala wamkulu wapadziko lonse lapansi wa World Nomads Group. Kupatula apo, mwina mukukhala m’nyumba yamtengo wapatali madola masauzande ambiri.
“Apaulendo ayenera kukhala otsimikiza 100% za udindo womwe amatenga ngati nyumba yawonongeka,” akutero. “Kodi chimachitika n’chiyani ngati atatembenuza galimoto yanu mwangozi kumpanda?
Yankho: Osati nthawi zonse. Mwamwayi, mapulani ena a inshuwaransi yoyenda ali ndi chiwongola dzanja chachitatu. Akuti izi ndi zofunika kuziganizira pochita lendi nyumba yatchuthi.
Koma si chifukwa chokhacho choganizira inshuwalansi. Ambiri apaulendo omwe amabwereka nyumba yatchuthi kapena nyumba akuda nkhawa kuti ateteze ndalama zomwe amawononga pa renti ndi maulendo, akutero Angela Borden, wofufuza zamalonda ku Seven Corners.
“Ndalama zimenezi zimaimira ndalama zambiri zapatchuthi paulendowu,” akutero. “Potengera izi, apaulendo akuyenera kuyang’ananso chikalata chawo cha inshuwaransi yaulendo, ndikuwunikanso zifukwa zomwe zalepheretsedwa.”
Mitundu iwiri ya inshuwaransi yobwereketsa tchuthi
“Ndikofunikira kusiyanitsa mitundu iwiri ya inshuwaransi yobwereketsa tchuthi,” akutero Stan Sandberg, woyambitsa nawo tsamba la inshuwaransi yapaulendo TravelInsurance.com.
Kuletsa ulendo
Dongosolo la inshuwaransi yapaulendo yokhala ndi kuletsa kwaulendo kumatha kuteteza ndalamazi ngati woyimilirayo asiya pazifukwa zobisika monga matenda osayembekezereka, kuphatikiza COVID, kapena mphepo yamkuntho, Sandberg akutero.
Kuphimba kuwonongeka kwa renti
Ngati china chake chachitika pakubwereketsa komwe mudali komweko – mwachitsanzo, mudataya vinyo wofiira pa kapeti yoyera – kuwonongeka kungathandize kulipira ndalamazo. Dziwani kuti kufalitsa sikuphatikiza kuwononga mwadala, monga phwando laphokoso.
Sandberg akuti onsewa akukhala otchuka kwambiri. “Tawona kuwonjezeka kwakukulu kwa kugula inshuwaransi yapaulendo kuti tipeze ndalama zolipiriratu, zosabweza kutchuthi,” akutero.
Kodi inshuwaransi yapaulendo imalipira bwanji renti kutchuthi?
Ndalama zambiri zobwereketsa kutchuthi zimaphatikizidwa ndi inshuwaransi yapaulendo. Nawa mitundu ina ya chithandizo chomwe mungapeze:
- Chitetezo ku ngozi pamene mukubwereka katundu, monga kutaya vinyo pa kapeti, kuswa nyali kapena zenera, kapena kuwonongeka kwa chiweto chanu.
- Mapindu oletsa ulendo, omwe amaphimba usiku wa hotelo yosakonzekera ngati ndege kapena sitima yanu yachedwa kapena kuyimitsidwa.
- Ndalama zachipatala ndi kusamuka kwadzidzidzi. Izi ndizofunikira makamaka pamaulendo apaulendo apadziko lonse lapansi, komwe inshuwaransi yanu yaumoyo singakhale yovomerezeka.
Joe Cronin, pulezidenti wa International Citizens Inshuwalansi, akuti inshuwalansi yapaulendo ikhozanso kukulipirani zinthu zomwe mumataya pobwereka tchuthi.
“Muthanso kuyika chiwongola dzanja pa inshuwaransi ya eni nyumba kapena lendi, koma kuyika chiwongola dzanja kungapangitse kuti mtengo wanu ukhale wapamwamba,” akutero. “Choncho, inshuwaransi yanu yoyenda ndiyo njira yanu yoyamba yodzitetezera.”
Ndili ndi tsatanetsatane wa momwe ndingapezere chithandizo cha inshuwaransi—ndi kupewa kulota maloto obwereketsa tchuthi—mu malangizo anga okhudza kubwereketsa tchuthi.
Kodi inshuwaransi yapaulendo siyipereka chiyani pamatchuthi?
Tsoka ilo, sizinthu zonse zomwe zimaperekedwa ndi inshuwaransi yapaulendo. Nawu mndandanda wazinthu zomwe inshuwaransi yanu singachite:
- Ngati muli ndi malingaliro ena okhudzana ndi kukhala m’nyumba yobwereka (pokhapokha mutakhala ndi ndondomeko yodula “kuletsa pazifukwa zilizonse”).
- Chinyengo chilichonse chazandalama chokhudzana ndi kubwereketsa tchuthi, monga kusamutsa ndalama kapena kuba zidziwitso zanu mwachinyengo.
- Zowononga mwadala, nthawi zambiri chifukwa cha phwando.
- Kusagwirizana ndi wolandira kapena nsanja pazakusowa zomwe zimabweretsa kuphonya usiku. Inshuwaransi yapaulendo nthawi zambiri sikhala ndi hotelo ngati mwatuluka msanga.
Uwu ndi mndandanda pang’ono chabe wazinthu zomwe sizikuperekedwa ndi inshuwaransi yapaulendo. Kumbukirani kuti inshuwaransi yapaulendo imakhazikitsa zoopsa zomwe mumabisa. Ngati sichinatchulidwe mwachindunji, palibe kufalitsa.
Ndi mtundu wanji wa inshuwaransi womwe umakonda kwambiri?
Pazinthu zonse zomwe mungapeze ndi inshuwaransi yanu yapaulendo, chofunikira kwambiri chingakhale kuletsa ulendo.
“Kuletsa maulendo akadali, makamaka, mtundu woyamba wamtundu uliwonse watchuthi – kuphatikiza kubwereketsa tchuthi,” atero Carol Mueller, wachiwiri kwa purezidenti wa Berkshire Hathaway Travel Protection. “Kuphatikiza pa kuletsa kwanthawi zonse kuletsa maulendo, ochita renti amasamalanso kuwonetsetsa kuti mapulani omwe amagula akuphatikizapo chitetezo chachitetezo, pakawonongeka mosayembekezereka.”
Chimodzi mwa zinsinsi zosungidwa bwino za inshuwaransi yapaulendo ndikuti ikhoza kulipira ndalama zomwe sizingabwezedwe ngati komwe kopitako sikungakhaleko, malinga ndi a Daniel Durazzo, director of external communications at Allianz Partners USA.
Iye anati: “Ngati nyumba yobwereka patchuthi ili pamalo amene kwachitika tsoka lachilengedwe, anthu sangathe kukhalamo chifukwa cha kutha kwa magetsi kapena madzi. “Onetsetsani kuti mwalemba zovutazo ndikulemba chikalata ku kampani yanu ya inshuwaransi yaulendo kuti musabweze ndalama zomwe simubweza, zomwe zingaphatikizepo mtengo wa lendi ndi ndalama zoyendera.”
Inshuwaransi yapaulendo imaphatikizapo zambiri kuposa kubwereka tchuthi
Ma inshuwaransi ambiri apaulendo sanapangidwe makamaka kwa alendo obwereketsa tchuthi. Koma imaphimba zoopsa zomwe zingakhudze mlendo.
Tiyerekeze kuti muli ndi tchuthi kunyanja, ndipo gombe latseka. Inshuwaransi yanu yapaulendo ikhoza kulipira izi.
“Mapulani ena a inshuwaransi yoyenda amakhala ndi zosokoneza paulendo zomwe zimatha kulipira mpaka ndalama zomwe zaperekedwa ngati kutsekedwa kwa magombe ngati akuluakulu aboma atseka gombe komwe akupita kwa maola 24 kapena kupitilira apo,” akufotokoza Sherry Sutton, Wachiwiri kwa Purezidenti wa Marketing. ndi Communications, Travel Insured. International.
Nthawi zina mutha kuwonjezera chitetezo cha kuwonongeka kwa renti ku inshuwaransi yanu yapaulendo. Mwachitsanzo, oyambitsa inshuwaransi yapaulendo Faye ali ndi njira yobwereketsa tchuthi pamapulani ake aliwonse. Imateteza kuwonongeka kwangozi kwa renti yanu, monga vinyo wotayika, mbale zosweka, ndi zida zomwe sizikuyenda bwino. Malamulo ake onse amaphatikizanso inshuwaransi ya malo obwereketsa
“Izi zikutanthauza kuti ngati makiyi a malo obwereketsa atayika, abedwa, kapena awonongeka, ndipo mulibe mwayi wopeza malowo kwa maola atatu kapena kuposerapo, mutha kulipidwa mpaka $200,” akutero Doron Samish, Fi’s. wachiwiri kwa purezidenti wazogulitsa.
Ndani amafunikira inshuwaransi kuti abwereke tchuthi?
Ndayankhula ndi apaulendo ambiri omwe agula inshuwaransi yaulendo kuti abwereke tchuthi. Iwo ananena kuti ngakhale kuti ankadera nkhawa za vuto la kubwereka kutchuthi, iwo ankaderanso nkhawa za mmene inshuwaransi ikupereka.
Mwachitsanzo, Colin Carswell, katswiri wa hotelo wochokera ku Waynesville, North Carolina, adagula inshuwalansi kudzera mu Allianz Travel Insurance yobwereketsa nyanja. Ndondomekoyi imakhudza zoopsa zomwe zimachitika nthawi zonse, monga kutaya katundu ndi kusokonezeka kwa ndege.
“Zomwe tapeza kuti ndizothandiza kwambiri pankhani ya inshuwaransi yaulendo ndi chithandizo chamankhwala,” adandiuza. “Tinapita kutchuthi zaka zingapo zapitazo pamene mwamuna wanga anafunikira kupita kuchipinda changozi. Nthaŵi ina, mwana wanga wamwamuna wa chaka chimodzi anayenera kupita ku chisamaliro chachangu.
Ndondomeko ya Allianz inawaphimba.
Malangizo ogulira ma inshuwaransi obwereketsa tchuthi: Werengani mosamala
Cholemba chomaliza: Muyenera kuwerenga zolemba zanu mosamala musanagule.
“Upangiri wabwino kwambiri pano ndikuwunikanso mapindu a dongosololi musanagule,” akutero Brian Rock, Director National ku VacationGuard.com. “Zolinga zina zimafuna kuti aliyense azitchula mayina. Ena amangowonjezera chitetezo kwa omwe akuyenda nawo.”
Zoona zimenezo. Ndawonapo “vuto” zambiri panthawi yodandaula, pomwe wina wayiwala kutchula aliyense mu ndondomekoyi kapena kunyalanyaza zina zomwe zimawoneka ngati zosafunika. Chifukwa ndikhulupirireni, ngati mukuyenera kuyika chiwongolero panyumba yobwereketsa tchuthi, kampani yanu ya inshuwaransi yoyenda sidzakuvomerezani. Zomwe tsatanetsatane.