zichtrekening debetrente

Hoe kan je in 's hemelsnaam verantwoorden dat de debetrent bijna 100 maal (of oneindig maal in het slechtste geval) de interest is?

Vanaf 14-05-2013 zijn de volgende rentevoeten van toepassing
op uw Girorekening :
Creditrente :
     Saldo tussen 0 en 2.500 euro 0,00 % op jaarbasis
     Gedeelte van saldo vanaf 2.500 euro 0,10 % op jaarbasis
Debetrente : 9,15 % op jaarbasis

hiring 50+

The best radio publicity I know is probably the BNP Paris Bas "Business Info" spots. They are not really commercials but actual business advice.
A while ago they reported on a survey on hiring employees aged 50+.
2 out of 3 companies were OK with hiring people in this age category.
However only 1 out of 3 would really do so.
Main reason are Belgian government measures to protect this age category:

• Companies are obliged to pay for outplacement when an employee of 45+ is fired
• Companies are obliged to pay part of unemployment compensation for employees of 60+. I've known employee demanding the company to pay for early retirement. it's hard for the company to refuse. If the employee just stops working and  the company has to fire hem, the company has to pay anyway.

 As a consequence, all measures to protect the jobs of people aged 50+, also make it harder for them to find a job.

Offshoring pensioners

Offshoring is happening in all industries. Growing numbers of elderly Germans are being sent to retirement homes in low cost countries (Eastern Europe, Far East).
In German retirement homes:

• a person gets 53 minutes a day of personal care
• costs about €3000/month (pensions are not following the surging cost)
• there are 14.000 job vacancies

Currently European legislation does not allow state insurers to directly contract retirement homes outside of Europe.
More...

Opel Gliwice

De splinternieuwe fabriek ging open toen GM bessloot om Opel Antwerpen te sluiten.
Vlak voor de deur staat een groot bord met de Poolse en de EU vlag, waarop trots is aangekondigd dat de fabriek tot stand kwam met 35 miljoen euro subsidie van de Europese Unie.
Of hoe Europa geld geeft aan een Amerikaans bedrijf om een fabriek uit België weg te halen.

De Morgen 15/12/12

School leavers should not accept underqualified jobs

Research at Ghent University shows that school leavers should be patient and selective when looking for a job.
If someone has been looking out for a job for two months refuses a job below his qualifications, he tends to get an offer for a job that matches his qualifications within a month.
If the same person accepts the underqualified job, it tends to take 10 years before he gets a job (and salary- at this level.
The longer one searches for work, the more he should be ready to accept other jobs. Applicants that have been searching for a year, have a less than 50% chance of finding a job at  their level within the next year.

low interest, high inflation

Having an inflation rate of about 3% and an interest rate of about 1.5% is a weird economical situation. On a savings account the net result is that you are loosing money.
To make sure banks are still providing credit, the ECB lends money to banks at almost no cost. Printing money causes inflation.Currently inflation is still reasonable, but you risk confidence in the euro will go below the threshold where inflation will sky rocket.
But because the printed money is stuffed directly in the bankers pockets, these will not give you the high interest that you have in times of inflation.
You would expect that if you lend money from banks, interest are also low, but that's not the case.
Exclusive access to cheap money for banks is just a hidden way of subsidising banks, to avoid protests from the people losing their money.
The service returned to the economy by the banks is very limited: the total credit made available by banks to the industry is in continuous decline.
 All this comes on top of the debt problems of conutries caused by the banking crisis. A debt that's once again being payed by the people through taxes.

Global Crashing

Wall Street by various calculations has to date lost, within the financial sector, $1-$1.5 trillion

According to The Economics of Ecosystems and Biodiversity (Teeb) study interm report by the European Commission the annual cost of forest loss is even higher at between $2 trillion and $5 trillion.

The figure comes from adding the value of the various services that forests perform, such as providing clean water and absorbing carbon dioxide.