calculated using the Social Fund formula – May 12, 2024 – Russia today Posting in CHAT: Russia If there are suspicions that the pension was assigned incorrectly, contact the Social Fund for clarification and, possibly, recalculation Source: Artem Ustyuzhanin / E1.RU Changes in the pension system that have occurred over the past decades still cause many difficulties for people who are When they retire, everyone must understand the details and things that simply did not exist until recently. We have already told you how to withdraw your funded pension before retirement and who can retire before others. Today we will talk in more detail about pension coefficients - they affect both the size of your future pension and when you will go to this pension. Let's figure out what pension coefficients are, where they come from and how to check how much you have personally saved. The individual pension coefficient (IPC), or points, is an indicator on which the size of your pension depends. Points are awarded for each year of work or other activity that is taken into account when calculating the pension. If you are working, the number of pension points depends on your salary. They are calculated using a special formula: wages for the year must be divided by the base for calculating insurance premiums and multiplied by 10. A single maximum value for the basis for calculating insurance premiums is established by the state every year. So, in 2023 it amounted to 1,917 million rubles. Let's say that during 2023 you received 50 thousand rubles a month before taxes, and during the year you earned 600 thousand rubles. We divide 600 thousand by 1.917 million and with rounding we get 0.313. Multiply by 10 and get 3.12 points. If you are unsure of your annual salary (for example, it changed from month to month and you do not remember the exact amounts), the data can be found in table 2-. Personal income tax certificate. It can be ordered from the State Services or from the employer, and the information is also reflected in your personal account on the Federal Tax Service website. The maximum number of points you can earn in a year is 10, but that's if you earn an amount equal to or more than the maximum premium base. That is, to get the maximum number of pension points, you needed to earn about 2 million rubles in 2023. If you are not working, this does not mean that you are not eligible to receive pension points - some periods of your life are included. in length of service and pension points, since they are also awarded. For example, when caring for the first child under one and a half years old, 2.7 points per year are awarded, for the second - 5.4, for the third and fourth - 8.1. 1.8 points are awarded for each year of caring for a disabled person of the 1st group, a disabled child or a person who has reached the age of 80, as well as for a year of military service according to your individual coefficients. You can find out from the Social Fund, including through your personal account on the website or by requesting an extract through the State Services account. The IPC system was introduced quite recently, in 2015. However, pension rights received before this were also recalculated into coefficients - since 2002 according to the current scheme, and for the Soviet period of service and the service record of the nineties, the calculated pension capital is taken as the basis (it was determined according to 2002 data), increased by 10% plus 1 % for each full year of “Soviet” service. The Social Fund makes accurate calculations. When a person retires, its size is also calculated using a special formula: it is necessary to multiply the number of pension coefficients by their value and add a fixed payment to the resulting amount. The fixed payment in 2024 is 8134 rubles 88 kopecks per month, and the cost of one pension coefficient is 133 rubles 05 kopecks. Now, to retire, only age and length of service are not enough - you need to accumulate more points Source: Serafima Pantykina / City portals Let's try to calculate the pension of a person who will retire this year. Let’s say that over all the years of work he has accumulated exactly 28.2 pension points - this is the minimum without which he is not entitled to receive an insurance pension in 2024. We multiply them by the cost of one pension coefficient and get 3,752 rubles per 1 kopeck. We add a fixed payment to this amount and get the final pension: 11,886 rubles 89 kopecks. However, according to the law, the pension cannot be less than the minimum subsistence level for a pensioner, which is established separately in each region. There is also an average for the country - in 2024 it will be 12,363 rubles. The pension should not be less than this amount; if you received less, contact the Social Fund. If the regional cost of living is higher than the national average (in Chukotka it is, for example, 34,686 rubles), then the pensioner should be paid in addition to this level. Source link Source link
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Residents of Taganrozh calculated the cost of Easter cake – Russia today Posting in CHAT: Russia After shopping and being disappointed with the prices of Easter cakes, we decided to calculate the cost of baking at home. Let's take our favorite recipe using egg yolks and melted butter. By the way, for those who decide to use this recipe, we will reveal a little secret: if you put the dough in the refrigerator, it is better to use only half the yeast (25 g instead of 50 g). With a small amount of yeast and a long rise of the dough in the refrigerator, the cakes will become much tastier than with rapid fermentation, and the finished cakes will not have the smell of yeast. So, let's start with the calculations: - flour - 950-1000 g - 40 rubles, - milk - 500 ml - 50 rubles, - ghee 160 g - 160 rubles, - vegetable oil - 100 g - 13 rubles, - flemas - 8 pcs. . . . + 1 egg yolk for greasing the surface of the Easter cakes – 140 rubles (take a maximum of ten eggs), – sugar – 350 g – 30 rubles, – yeast – 50 g – 15 rubles, – rum or cognac – 50 ml – 60 rubles, – vanilla sugar – 2 spoons – 15 rubles, – salt – 1 level teaspoon, – candied fruits – 150 g – 100 rubles, – raisins – 150 g – 60 rubles for protein glaze: – 1 egg white, – powdered sugar – . 200-250 g - 30 rubles, - lemon juice - 1 spoon for decoration: - candy sprinkles, candied fruits, jam - this substance will significantly increase the cost of the Easter cake, we will spend 500 rubles on it and that will be enough. . So, our expenses amounted to 1213 rubles. Divide them into 8 Easter cakes (300 grams each) and get 151 rubles. Add your labor to this amount, and you get a lot: with proper preparation, the duration of kneading the Easter cake can be about an hour, because the longer you knead the dough, the better the quality of the Easter cake will be. Moreover, the Easter dough rises several times and the whole process is significantly extended in time. At what price will you now sell your “golden” Easter cake? Honestly, given the long and labor-intensive process, we would set the price at least 300 rubles for 1 such Easter cake weighing 300 g. But, of course, we will not compare our work with a simplified production process and with ingredients. which are used. By the way, the given recipe is suitable for lovers of rich, incredibly soft Easter cakes with “wet” heavy crumbs, you, Taganrog residents! Irina Kuznetsova Previously wrote: District number two of Taganrog: what is deputy Kiriyenko famous for? 3895 News about Notepad-Taganrog Source link Source link
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VSK has calculated the cost of insurance against damage to clothing and furniture, such as food. – Russia today Posting in CHAT: Russia The world's largest ketchup manufacturer recently announced an unusual type of insurance for its customers - financial protection in case of damage to clothing or home furnishings due to the sauce while eating. Currently, such insurance is only available to UAE residents. VSK Insurance House found out whether such a policy could be relevant in Russia, what risks should be included in it and how much Russians can pay for it. Insurance against accidents, including damage to clothing and décor while eating, could become a popular financial product in Russia, especially if it extends to food items other than just ketchup. The main list of risks under such a policy could include: partial or complete loss of property (clothing, interior items) due to food items on it, liability to third parties (if their clothes, tablecloths and other household items were soiled due to fault) . ). Politoto). Russian cuisine is rich in recipes consisting of many ingredients. Therefore, the amount of payments under such a policy will be calculated based on several parameters: the degree of damage and complexity of the property (a small stain on clothing that is easy to wash, or a large stain on the carpet that needs to be washed). dry cleaning), cost of damaged property and type of payment. Here's a simple calculation: if the policyholder's shirt was damaged while eating borscht (the client decided to insure it for its value - 1,500 rubles), the most common amount of compensation will be 400 rubles. This is enough to buy washing powder and take the item to the dry cleaner, thus returning it to its previous condition. If the item was damaged so much that it cannot be restored, then the amount of compensation will be the total insured amount - in our case, 1,500 rubles - this is complete damage to the Customer’s property. The cost of such insurance can be 87 rubles. Under this policy, payment can be made in two ways - in the form of monetary compensation or “in kind”, similar to OSAGO (for example, the insurer, through its contractor, will pick up the damaged object and return it to the owner). after cleaning). An important stage is collecting the necessary documents - you must immediately make a photographic record (take a photo of the damaged item, the dishes that became the “culprit” and the scene of the incident, and in no case try to remove the stain until a decision is made on payment from the insurance company). Also, with this type of insurance, standard exclusions will apply - for example, if the insured was drunk, he will not be entitled to payments. Source link Source link