OUR TFR is tempting too ...
Once again the old adage applies: "the ox said cuckold donkey." Those same unions that have "cooperated" in the last 14 years to demolish their consultation with our wages and our pensions, now get ready to get us another bin. And, in trying to persuade the workers and employees to play their future held no qualms about counting actual bales.
then start to do some 'clarity on:
are all male and female workers in the private sector be involved in fraudulent opt-out mechanism, even those companies under 50 employees. So, whatever the size of all / and by June 30 next must send a notice to the company in which state their wish to keep their severance pay. And beware: the worker must send this letter each time they change jobs.
Only after this decision triggered another mechanism: the companies over 50 employees the severance pay that will accrue from 1 July 2007 will INPS. If wages go INPS will always be owned by the worker, is part of what is known as deferred wages. And the rules of the Law 297/82, which established the TFR will continue to apply as before, both for its development (1.5% + the 0.75% inflation each year) and for any advances so much so that the Company will always be that the worker should refer to request any advances.
membership "voluntary" funds becomes a life sentence from that moment all his life will be forced to pay the severance pay to a fund, with no possibility to suspend payment for any reason. We may suspend only that part voluntary and the "master", but it should not block the payment of severance pay.
statutes to refer to the Funds are not those who are now on the websites, but those that must be modified by March 31, 2007 according to the key binding model was adopted by Covip November 13, the monitoring of the Funds. And there it is clearly stated (Article 8, paragraph 6) that, once given the severance pay, you can not go back, as it clearly says (Art. 12, paragraph 2) that even in cases of dismissal will be at most redeem 50% after a year that is unemployed, and 100% after four years of unemployment.
Apart from the fact that it is the system antisolidale fund a feature of society and guided by the laws of liberalism and social loneliness, it is true that it is unlikely that these closed-end funds collapse or fail, but for one simple reason: because it does not guarantee no minimum return will not be any funds to flow to peak, but only the membership fees, ie workers. The funds will remain standing simply by adjusting the value of the shares ... that will be the income of workers to fall.
fact, once the Fund paid, the severance pay, payments to volunteers do not go to a capital increase, but expenses are deducted first, and then cease to be converted into cash and shares, depending on their value. If you pay a 50 to share in that moment is worth 10 shares will have 5, if the share is worth 20 thereof is 2.5, and so on, which will accrue to the previous ones. When they change the share value, all shares "buy" value change: may rise, but they can also go down, and when they fall down all that aside. So beware: if the value goes down, you get much more difficult. If the shares are worth 1000 to be down by 50% to 500. If we go back more than 50% to 750, do not add up to 1000. They will tell you that the market is in balance, but you will have lost a quarter of all refunds. It 's the old game of financial speculation and is also made up, because if things go wrong not only can not sell the shares, but you also need to continue to pay your severance pay!
not enough, then finally when you reach the end of working life, now you can ask a maximum of 50% of the amount paid, the remainder (Or all) you will be given a monthly pension based on your "life expectancy" media. Or your shares will be divided by the years and months that there are theoretically a living (now up to 76 for men, 82 for women) and the result will be your month. A misery that will then be reassessed as the revaluation of the public pension system (the old escalator), but with rates revaluation of bank deposits (almost nothing). This system ensures
trap-only banks and insurance companies. If you allow him to grow, not at all add to public pension, but will tend to replace the public pension. Once swallowed the TFR will ask us to pay in increasingly large parts of our salary, while the "paid by the owner" (the red herring of 1% or so) become a more and more skimpy slice, quickly eaten by the smallest deviation of the market. The next six months are crucial for the future of our pensions and our children.
The defense of the severance pay is to defend a piece of our salary, but deferred the "rich", the only one that still more is automatically indexed for inflation.
It also serves to defend what remains of public welfare, and to keep open the road to regain a decent state pension.
While private funds, closed or open that is the exact opposite: not a pension but a product sold by financial speculators, they take our money for ridarceli today maybe tomorrow, create inequality and injustice just because they leave the worker completely at the mercy of the market. (Cobas)
publish this tract of cobas as a first contribution, you invite me to Link Info. Articles and more ...
http://www.tfr.gov.it/tfr/homeTFR.htm
http://www.controloscippodeltfr.org/
http://www.lomb.cgil.it/tfr-fondipensione/home. htm
http://www.rdbcub.it/2005_tfr.htm
