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Korzystny wyrok w wyrok w sprawie ulgizazle dlugi opublikowany w dzienniku urzedowym ue.

Korzystny wyrok dla przedsiębiorców w sprawie ulgi za złe długi został opublikowany w Dzienniku Urzędowym UE. Tym samym rozpoczęły bieg terminy, w których przedsiębiorcy mogą wnioskować o zwrot nadpłaconego podatku lub wznowienie postępowania podatkowego. Minister Finansów, po wniosku Rzecznika MŚP, zapowiada również jak najszybsze zmiany legislacyjne w ustawie o VAT w tym zakresie.

W dniu 7 grudnia 2020 r. został opublikowany w Dzienniku Urzędowym Unii Europejskiej wyrok Trybunału Sprawiedliwości Unii Europejskiej z dnia 15 października 2020 r. w sprawie C-335/19 E. sp. z o.o. sp.k. przeciwko Ministrowi Finansów. W terminie 30 dni od jego publikacji, tj. do 6 stycznia 2021 roku przedsiębiorcy mogą wnioskować o zwrot nadpłaconego podatku, natomiast w terminie 1 miesiąca, tj. do 7 stycznia 2021 r. przedsiębiorcy mogą wnioskować o wznowienie niekorzystnego postępowania podatkowego.

Rzecznik MŚP już wcześniej otrzymywał sygnały o barierach i utrudnieniach związanych z wątpliwościami w zakresie prawidłowego fakturowania i rozliczania należności w podatku dochodowym i podatku od towarów i usług w kontekście ulgi na złe długi uregulowanej w polskiej ustawie VAT. W celu ich wyjaśnienia, pismem z dnia 6 lipca 2020 r. Rzecznik MŚP wystąpił do Ministra Finansów, przekazując jednocześnie pytania przedsiębiorców w tym przedmiocie. W piśmie z dnia 6 października 2020 r. Minister Finansów wyjaśnił szereg problemów związanych ze stosowaniem ulgi na złe długi i udzielił odpowiedzi na powyższe pytania.

Jednocześnie, w związku z wydaniem w dniu 15 października 2020 r. przez Trybunał Sprawiedliwości Unii Europejskiej wyroku w sprawie C-335/19 E., zgodnie z którym przepisy polskiej ustawy VAT uzależniające obniżenie podstawy opodatkowania podatkiem VAT od warunku, by w dniu dostawy towaru lub świadczenia usług, a także w dniu poprzedzającym dzień złożenia korekty deklaracji podatkowej mającej na celu skorzystanie z tego obniżenia dłużnik był zarejestrowany jako podatnik VAT i nie był w trakcie postępowania upadłościowego lub w trakcie likwidacji, zaś wierzyciel był w dniu poprzedzającym dzień złożenia korekty deklaracji podatkowej nadal zarejestrowany jako podatnik VAT – naruszają prawo unii, pismem z dnia 3 listopada 2020 r. Rzecznik MŚP wystąpił do Ministra Finansów z pytaniem o aktualność stanowiska z dnia 6 października 2020 r. oraz czy planowane są zmiany legislacyjne w przedmiotowym zakresie.

W odpowiedzi, pismem z dnia 25 listopada 2020 r. Minister Finansów potwierdził, że w związku z wydanym ww. wyrokiem jego stanowisko częściowo straciło na aktualności, a także poinformował, że podjęte zostały prace nad jak najszybszym wprowadzeniem odpowiednich zmian w przepisach art. 89a i 89b ustawy z dnia 11 marca 2004 r. o podatku od towarów i usług (Dz.U. z 2020 r. poz. 106 ze zm.) regulujące instytucję ulgi na złe długi, zgodnych z tym wyrokiem.

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Bạn có thể lập kế hoạch giao dịch, quy mô vị thế và có kèm theo phần mềm quản lý rủi ro. Quan trọng nhất, nó lưu giữ một bản ghi chi tiết về các giao dịch trước đó, bao gồm: • Điểm vào & thoát lệnh • Dữ liệu về giao lịch • Thời gian mở & đóng vị thế • Quy mô vị thế • Lãi/lỗ Điều này cho phép bạn dễ dàng nhìn lại và xác định những sai sót trong chiến lược của mình. Trong khi những người khác sẽ tiếp tục mắc phải những sai lầm tương tự, bạn có thể liên tục cải thiện. Vì vậy, trong bất kỳ tài liệu nào về bí quyết Day Trading, việc tạo hồ sơ theo dõi với TradeBench nên có vị trí cao trong danh sách. 6. Trung lập Chưa đến giờ ăn trưa mà bạn đã mất 500 USD trong giao dịch. Giờ thì bạn nghi ngờ kế hoạch đã được xây dựng cẩn thận của mình. Mặt khác, khi đang tăng giá đáng kể, việc tiếp tục giữ vị thế chiến thắng dường như là điều đúng đắn cần làm, mặc cho chiến lược của bạn có là gì. Nhưng như trader thành công Victor Sperandeo đã khẳng định chính xác “Chìa khóa để thành công trong giao dịch là kỷ luật cảm xúc. Nếu trí thông minh mới là chìa khóa, thì đáng ra đã có nhiều người kiếm được lời hơn thế”. Tuy nhiên, phát triển một kỷ luật thép khó có thể đứng trong top 15 bí quyết hàng đầu để Day Trading thành công. Thay vào đó, bí quyết là cách thức để phát triển kỷ luật cảm xúc đó. Để làm được điều này, bạn cần tiếp cận một cách toàn diện và làm theo tất cả các bước sau: 10 bước để thành công về mặt tinh thần 1. Điểm dừng - Bạn phải tôn trọng những điểm dừng của mình. Chúng buộc bạn dành ra chút thời gian tập trung vào nơi và lí do bạn phạm sai lầm. 2. Nhất quán - Bạn cần vạch ra chiến lược của mình ngay từ đầu, sau đó kiên trì thực hiện. Tin tưởng vào những nghiên cứu và dữ liệu của bạn. 3. Khởi đầu nhỏ - Tập trung vào những chiến thắng to lớn khiến bạn quên mất tầm quan trọng của việc tuân theo khuôn mẫu. Về lâu dài, việc nắm giữ các vị thế nhỏ hơn cho phép bạn kiểm soát tốt hơn. Sau đó, bạn có thể tăng dần kích thước vị thế của mình khi tự tin hơn. 4. Phong cách sống - Bạn phải tìm ra một kế hoạch phù hợp với lối sống của mình. Nhìn vào 50 biểu đồ khi bạn chỉ có thời gian cho 5 cái chắc chắn là cách chỉ lãng phí thời gian và gây căng thẳng. Thay vào đó, hãy tập trung vào một số ít cơ hội thực sự tốt. 5. Giảm sự phân tâm – Rất dễ dàng bị sa lầy với khối lượng lớn dữ liệu chi tiết. Hít thở sâu và tập trung năng lượng của bạn vào bức tranh toàn cảnh. 6. Mục tiêu thực tế - Đây là một trong những bí quyết giao dịch tuyệt nhất. Các mục tiêu lợi nhuận không thực tế sẽ nhanh chóng dẫn đến quyết định được đưa ra thiếu thận trọng. Bởi vậy, hãy đặt cho mình những mục tiêu nhỏ và thực tế, đặc biệt là lúc mới bắt đầu. 7. Cắt lỗ - Vào lệnh tự động và thoát ra là cần thiết khi có nguy cơ bị lỗ lớn. Do đó, hãy chuẩn bị tâm lý và hình dung lối thoát hiểm này. Như Bruce Kovner đã nhấn mạnh "Nếu bạn tự đổ lỗi cho mình với mọi khoản lỗ, bạn sẽ không thể giao dịch." 8. Học từ những người tốt nhất - Đọc những cuốn sách về phát triển kỷ luật. The Disciplined Trader của Mark Douglas là một cuốn sách tuyệt vời để bắt đầu. 9. Tin tưởng bản thân - Mặc dù các phòng chat và diễn đàn có thể hữu ích, nhưng đừng để bản thân bị ảnh hưởng quá mức. Dành quá nhiều thời gian cho chúng sẽ khiến bạn nhanh chóng nghi ngờ chiến lược của mình khi số vốn của bạn đang gặp nguy cơ. 10. Bức tranh tổng thể - Sửa những thói quen xấu của bản thân và tập xây dựng ý chí kiên cường trong mọi khía cạnh của cuộc sống. Và rồi bạn sẽ thấy giữ trung lập khi giao dịch dễ dàng hơn nhiều. 7. Giao dịch tự động Khi bạn có một chiến lược duy trì hiệu quả, có thể sử dụng tự động hóa để nâng cao lợi nhuận của bạn. Bởi bạn chỉ có thể thực hiện một khối lượng giao dịch nhất định mỗi ngày theo cách thủ công. Trong khi một thuật toán có thể khớp lệnh một lượng lớn giao dịch ngay khi các tiêu chí xác định trước được thỏa mãn. Đối với giao dịch tự động, AlgoTrader là một trong những bí quyết tốt nhất. Nó được thiết kế bởi các chuyên gia trong ngành và cho phép bạn kiểm soát tối đa đối với các hệ thống tự động tốc độ cao dựa trên thực tế. Hệ thống đặc biệt nhanh, xử lý được đến 500.000 sự kiện mỗi giây. Kiến trúc mã nguồn mở cũng cho phép tùy chỉnh khá nhiều. Thư viện của bên thứ ba có thể được kết hợp và các tính năng tích hợp sẵn giúp giảm chi phí, tăng tỷ suất lợi nhuận của bạn. Các tính năng tích hợp bao gồm, nhưng không giới hạn: • Các thuật toán thực thi • Công cụ định giá quyền chọn • Tải xuống dữ liệu lịch sử • Báo cáo phản hồi định dạng Excel • Tối ưu hóa thông số tự động Độ tin cậy, khả năng hỗ trợ và đa dạng tính năng tạo đã nên sự khác biệt so với hầu hết các dịch vụ hiện có. Điều này có nghĩa là nếu chúng ta có 15 bí quyết Day Trading để thành công, thì AlgoTrader sẽ là một trong những yếu tố đứng đầu. Lời cuối về các bí quyết Ngay cả với các bí quyết Day Trading ở trên, việc tạo ra lợi nhuận đều đặn không phải là nhiệm vụ đơn giản. Trong khi có những công cụ đem lại hiệu quả cho một số người, chúng có không giúp gì cho số khác. Quan trọng là tìm ra những bí quyết Day Trading trong số được liệt kê ở trên phù hợp với phong cách giao dịch của bạn. Thủy Linh - Theo daytrading.com Xem thêm: Có Nên Đầu Tư Vào Cổ Phiếu Cổ Tức Nokia?
Can I extend the tenure of EMIs after taking a cash loan?
In the digital era, small cash loans can be availed instantly online. Numerous financial institutions and NBFCs have created official websites and cash loan apps for immediate approval and disbursal. With instant cash loans or personal loans, you can get customized loan mount & tenure with the help of a personal loan EMI calculator. Extending the EMI tenure after taking a cash loan is not always possible as the loan application is set based on the given format in the loan app. So, take your time before you choose the tenure to make repayments. Personal loan EMIs and EMI calculator? A personal loan being an unsecured loan does not need any collateral and is approved with minimal documentation. A personal loan EMI is an equated monthly installment that is payable every month. It is a pre-decided loan feature used to pay off the principal amount and the personal loan interest until the loan is fully paid. With the demand for instant personal loans, user-friendly loan apps have been created with smart in-built features. One of them being a loan EMI calculator that enables borrowers to calculate EMIs in advance, based on the principal loan amount and tenure. However, a borrower's interest lies in the EMIs and the interest rate charged by the lender. This advanced insight into EMIs helps borrowers in easy decision-making to proceed with loans and also supports budget planning. EMI calculator is a financial tool, designed to help you plan and manage your loan account efficiently. With the innovation of the EMI calculator, the calculation has become accurate and straightforward, even if you are not a math genius. The loan EMI calculator makes a precise calculation with the in-built formula. The mathematical formula to calculate EMI is: EMI=PxRxN (1+r) n-1) where P = principal loan amount, r = interest rate, n = tenure in number of months. The higher the loan amount or interest rate, the higher the EMI payments and vice versa. The EMI can be low or high based on your tenure. Significance of loan tenure Loan tenure means the duration for which the loan amount is approved and disbursed. Loan tenure is a very significant aspect to consider while availing of a loan. Before taking a loan, choose a suitable loan tenure that suits your budget and manage loan repayment smoothly. You can benefit from loans like personal, car, education loan, and gold loans on a restricted tenure from 1 - 5 years. Unsecured loans have shorter tenure than a home loan and can be repaid easily with shorter EMIs within the given tenure. While deciding on the tenure for a personal loan, consider the following aspects: Loan amount – Borrowers have the freedom to select the loan amount and repayment tenure. The repayment capacity varies from person to person. Hence do not acquire very bulky loan amounts that pose EMIs as a burden to repay. Calculate your EMI – Factors like interest rate, EMI, and loan amount significantly influence each other. Usually, the higher the interest rate, the higher will be the EMI amount. But with the help of a loan EMI calculator, you can calculate accurate EMIs and repayment tenure to plan the payment of EMIs on time. Decide your monthly expenses – You should evaluate and assess your monthly income and budget against the repayment tenure. For example, if your monthly expenditure takes about 70 - 80% of your income, you can opt for longer repayment tenure with lesser EMIs. Also, ensure to clear your existing financial liabilities to be able to cope with the new monthly EMIs. Possibility of Loan Tenure Extension Based on Lender to Lender Extending your loan tenure varies from lender to lender. Not every financial institution agrees to it. However, based on your creditworthiness, loan repayment track, there is a possibility that a couple of lenders decide to extend the personal loan tenure, even after approving a cash loan. In pandemic times, there is an imbalance of people paying EMIs on time to those who are willing to stretch the loan tenure due to an underlying financial crunch. Lenders who agree to stretch the loan tenure have to restructure and revise the loan agreement.
What Prepaid Credit Card Offers Is Capable Of Doing For You
People aren't feeling very hopeful nowadays. Many of us have felt the sting of our adjustable rate mortgages rising sharply, or use the ache in our credit card interest flying. Our economic weather conditions are shaky at best as well as it is hard to feel optimistic when any seems out of folks' control. First just how to prepaid cards work. Might stand-alone cards that and behave like an account debit greetings card. They carry the Mastercard or Visa logo (typically) and exercise on the same debit card networks. Contain an embossed 16-digit number on forward. This is your card's level. They have a magnetic strip on his or her back for card swipe machines to read through their card account score. And they have a burglar code and signature line on a back corner, to tell the truth. Unlike traditional debit cards (also in order to check cards) prepaid cards are debit cards that aren't attached to a checking or savings concern. Establish or build credibility. Issuers of prepaid debit Payoneer card today report credit activities to NYC airports major credit reporting agencies - Experian, Equifax, TransUnion so technique definitely is employed for establishing credit or rebuilding credit rating. Photo byBurstfromPexels Whatever reasons you may have considering particular financing are the owner. It may possibly be helpful however to you need to select a prepaid debit card that your need, a 'checklist' if are going to. We will review tips and questions to ask before you are your final decision. Prepaid cards are neither credit nor debit cards, but have features significantly like both. The particular VISA or MasterCard cards usually, which means that have the wide usage and security features of an unsecured credit card. However, you aren't borrowing money, simply together with your own money to top-up a card and invest in it. Subjected to testing a financial product that falls between debit and credit card. Prepaid travel cards are preloaded with money that you're planning to spend while traveling abroad. You determine the number and where you want to spend your funds. If there are remaining funds on the greeting cards you have two products. If you are a frequent traveler of one's particular destination, they could leave the funds on the card. Your other option would be to withdraw the hard-earned money. Your funds are never lost if you won't use the account balance. No credit check is needed. People with no credit history or has bad credit records can still enjoy having a prepaid business. Your credit report will not be investigated upon the package. There is no risk of being rejected. When you weigh the offers, consider a number of options on hand. There are cards that have minimal payment with no monthly monetary cost. Reloading of funds is free via direct deposit or bank airport transfers. Approval is automatic to all who will apply for that prepaid an atm card. When acquiring your card online, you are able to receive the $10 bonus gift. The promotion is perfect for customers who receive deposits from their employers or from a government bureau. After your first $250 deposit, the bonus will automatically be mailed to your card within just days. Make use of your gift to help yourself towards movies or put it toward your phone billy. However you choose to use it, there's nothing better than receiving free money due to having a card. So, even though you have no credit card, the reason a good method for generating some "credit" permits wind up in your credit score. Another approach is to pay bills, although bear into consideration that most bill pay programs don't report towards the major credit agencies, and hence, their value is the minimum amount.
How to get Profit in Real Estate?
In Pakistan, real estate is one of the most flourishing businesses that hold the major stakeholders of Pakistan. In the ongoing 20th-century maximum number of billionaires are real estate investors as this field has rocket power potentials. But the intermingling question which arises here is that, “HOW TO GET PROFIT IN REAL ESTATE." The answer to this question will open up the ultimate way for you to unpack the bundles of success for you through real estate. The Masters Real Estate is one of the Best Real Estate Investment Company. We are official sales partner of Lahore Smart City and Capital Smart City. For More: https://themrl.com/lahore-smart-city/ The strategy to evacuate the desired profit from real estate has inculcated in the roots of consistency and patience. No bypass or shortcut way will make you rich through overnight formula. However, if you have ambiguity about the profit potentials of real estate, then you are at the most right place to figure out the genuine way. The gurus of today's world that have to earn immense experiences about real estate still admit that some conventional rules are still pro tips to make a profit in the real estate world. The gloss and shine of the real estate era are quite fascinating, but the paths of the real estate business are not as convenient. Consequently, your dedication and preference towards your work will lead you to make piles of profit from the real estate world in the meantime. It will prove a worthy earning journey for you once you get into this market. To know how to get profit in real estate, you have to keep some basic techniques at your fingertips. The criteria of this talk will reveal the basic and traditional, and rational ways to make a profit from the property. We have striven to deliver a complete guide for “How to make a profit in real estate." We have compiled up the golden ways that will flicker up your real estate business with huge profit. CAPTURING THE INCREMENT RULE The rule of appreciation or inclining rates of the property will have synchronized with the sale of your property. It is one of the ancient ways of extracting profit from real estate. Although it is a traditional ritual of the market of real estate, it is still well-grounded. Hence it is good to sell the properties at the peak time of the need to make a colossal profit. RENTAL PROPERTIES The second most reliable way of composing huge profits from real estate property is to buy properties and simple rent. This method is a constant way of earning livelihood for a large proportion of people in Pakistan. However, the maintenance cost of the buildings and other expenses run side by side. AGRICULTURAL LAND PROFITS In a country where agriculture is the source of income for a massive population, a real estate investor can also pull the profit from these harvesting lands. You can purchase the land and lend them to a farmer for cultivation. In this way, you will own the ground, and also, the portion of crops, vegetables, and fruits are grown on them. Another way is also to sell the land when its market value undergoes appreciations. COMMISSION STRATEGY Here comes the most versatile domain of fetching the profit from real estate. And it's one of the most frequent answers you will get to hear as a result of “HOW TO GET PROFIT IN REAL ESTATE." This aspect of the real estate market revolves around the commission, or you can say the service charges of all the dealings from the investor and the buyer. A real estate business person or agent will get this amount due to selling the appropriate land to the investor. On the other hand, you can also charge the seller to find the correct buyer for him/her. HOLIDAY RESORTS PROFITS It is another way of making a profit. Real estate market. In this scenario, apartments, resorts, and guest houses, or any other place at the vacation or holiday point have been purchased by the investor. After that, you may rent your property in the peak time of tourists visiting that place, or you can also sell your property at the right time with attractive market prices.
7 Sources of funding for entrepreneurs | You Must Know
An entrepreneur is a person who sets up his business, takes risks, and earn profit from it. But sometimes even entrepreneurs seek fundings for their new projects. So, i have got all of them together and listed the sources of funding for entrepreneurs. Above all if you go for Private Limited Company Registration, and get your company registered, it increases your borrowing capacity. Also, the investors have more faith in you and will invest easily. 7 Sources of funding for entrepreneur The various sources from which the entrepreneur can get funds are: Long term financial instruments Long term finance is required to buy fixed assets. That is why they are also called instruments of fixed capital. The Following are given below,  Equity Share Capital: Such shares which are not predecessor shares are called equity shares. In other words, equity shareholders have the right to receive dividends and capital in case of liquidation after preference shareholders. The holders of such shares are legally the owners of the company.  Preference Share Capital: Preference shares enjoy preference in both dividend payment and capital return in case of liquidation compared to equity shares. Term loan : Enterprises get long-term loans mainly from term loans. The term loan is repaid within ten years. Financial institutions provide both Indian currency term loans and foreign currency term loans. Short-term financial instruments Finance is also necessary for daily business activities. So, even you can look for sources of funding for entrepreneurs who have a small business. In other words, short-term finance is essential to meet the working capital requirements of the enterprise. Hence, such means of finance are also called working capital advances. Some of the short term resources are: Bank instrument  Cash credit  Overdraft  Encashment of bills  Letter of credit Non-bank instruments  Business credit  Business letter  An advance payment from customers Angel funder/ seed investor Angel investors are people who want to invest in the initial stages of a startup. Therefore, most of the funders have sufficient funds available with them. They are looking for substantial returns from the traditional investment methods. Also, angel investors have easy terms as compared to other lenders. Above all, they typically want 20% to 25% return on the money they invest in your company. Crowdfunding It is currently the trendiest sources of funding for entrepreneurs. Crowdfunding refers to a practice where money is taken from a group of people to complete a project. Therefore, whoever invests their money knows very well where and why they are investing. Usually, it is only for a particular cause. Types of crowdfunding:  Reward  Equity  Debt-based  Litigation  Donation-based Government funding There are more than ten popular business startup loan schemes that the government offers. Following are some of the best government loan schemes for starting a business:  Mudra loan  Startup India  PSB Loan  SIDBI Make in India Soft Loan Fund (SMILE) for MSME Mutual funding A mutual fund is the most common pool of money. This investment replaces the contribution to invest in different types of securities as per the stated objectives. Why entrepreneur look for sources of fundings:  Fresh start a business  Increase visibility  To attract attention in the market  Expanding their business Conclusion The entrepreneur needs a durable and long-drawn-out loan for stable business capital. However, all sources of money matters are broadly dissociating into equity capital and debt capital. Equity refers to the finance received from the shareholders. On the other hand, the loan is prevailing from outside parties. The entrepreneur is very courageous, who participates in the development of society. That's why sources of funding for entrepreneurs have a vast variety to choose from according to requirements. An entrepreneur also employs other persons to grow his industry. As a result, unemployment prevailing in the community also gets rid of to some extent. So we can say that an entrepreneur is a person who takes other people along with him. He takes care of his interests as well as the interests of others. Not every Businessman can be an entrepreneur. An entrepreneur follows every rule of business well and increases the growth of his business day by day.
Significant COVID-19 Impact on Hand Tools in the Semiconductors & Electronics Industry
COVID-19 Impact on Hand Tools in the Semiconductors and Electronics Industry COVID-19 made a major impact on the hand tools market as almost every country has opted for the shutdown for every production facility except the ones dealing in producing the essential goods. To prevent the spread of coronavirus disease, the government has taken some strict actions such as the shutdown of production and sale of non-essential goods, blocked international trade, and many more. The only business which is dealing in this pandemic situation is the essential services that are allowed to open and run the processes. The companies such as pharmaceuticals and chemicals, among others, are allowed to continue operation but with certain safety rules. A hand tool is any tool that is not a power tool – that is, one powered by hand (manual labour) rather than by electricity or fuel. Some examples of hand tools are garden forks, secateurs, rakes, hammers, spanners, pliers, screwdrivers, chisels, and others. Hand tools are generally less dangerous than power tools. The global hand tools market size is estimated to be USD 8.4 billion in 2021 and is projected to reach USD 10.3 billion by 2026, growing at a CAGR of 4.0%. The growth of the market is attributed to the increasing commercial as well as residential construction and infrastructure projects, adoption of hand tools in households for residential/DIY purposes as well as growing manufacturing setups and increasing repair and maintenance operations across the world. However, factors such as an increase in safety risks and concerns due to improper use of hand tools are restraining the market growth. The shutdown of production facilities during the pandemic situation has had a significant impact on the market. The future of the hand tools market looks promising, with opportunities in increasing commercial as well as residential construction and infrastructure projects. The global hand tools market is expected to decline in 2020 due to the global economic recession caused by COVID-19. However, the market will witness recovery in the year 2021. The major drivers for this market are the increasing commercial as well as residential construction and infrastructure products. Emerging trends, which have a direct impact on the dynamics of the hand tools industry, include the introduction of more efficient power tools and the increase in hand tool automation to reduce physical work that might boost hand tool usage. IMPACT ON PRICE Although the COVID-19 pandemic continues to transform the growth and prices of various industry-related products, the price of the products with respect to the hand tools market maintain a steady line throughout the pandemic. This denotes that there are no major changes in the price of the hand tools due to the effect of the pandemic. IMPACT ON SUPPLY CHAIN Supply chains are complex systems where the risks and costs associated with mismanagement and communication failures in globally connected organizational networks are relatively high. For instance, · In May 2019, Stanley Black & Decker announced the opening of a new plant for the production of its brand CRAFTSMAN in Fort Worth, Texas. The new facility has an area of 425,000-square-foot and is expected to employ approximately 500 full-time employees Some of the most influential factors that affect the supply chain in regards to the hand tools manufacturing companies are companies seeking strategies to protect their position in the value chain, looking for new markets, finding new possibilities to leverage skills and offering more value to customers. AFTERMATH OF COVID-19 AND GOVERNMENT INITIATIVE TO BOOST THE MARKET Government efforts to encourage the adoption of hand tools in household alternatives have developed at a rapid pace in recent years. Governments in the European Union, China, Japan, Canada, India, and South Korea are among the major geographies where governments are taking aggressive measures to increase the adoption of hand tools in residential/DIY purposes as well as growing manufacturing setups and increasing repair and maintenance operations. For instance, · There have been some major policy developments in the European Union. Improvements in hand tool requirements and the digitalization of hand tool based industries, which focuses on government procurement of increased usage of hand tool based systems which form a greater initiative · Another guideline, the 'Performance Buildings Directive,' has been established, which establishes minimum requirements for hand tool infrastructure installation in buildings Such favourable initiatives are anticipated to boost the adoption of hand tools in commercial and residential based projects and thus drive the adoption of the repair and maintenance operations market during the forecast period of 2021 to 2028. STRATEGIC DECISIONS OF MANUFACTURERS AFTER COVID-19 TO GAIN COMPETITIVE MARKET SHARE Revenue growth for the hand tools market has experienced a decline in 2020 due to constricted economic activity expected as a result of the COVID-19 outbreak. So, the hand tools manufacturing companies have adopted various strategies to overcome the decline in revenue. Some of the most common strategies adopted by industries are as follows, · The reduction of experimentation costs due to the speeding up of the testing phase · The reduction of the number of costly physical prototypes and redesign linked to their fast obsolescence · The improvement of design quality via the availability of information very early on in the development process CONCLUSION Pandemic has taken a toll on every aspect of life, including the global economy. With the significant downfalls in many sectors, a collaborative effort of government, industry players, and consumers could win the fight against COVID-19. Also, COVID-19 has likely influenced the development of the hand tools market because of the closing down of processing plants, impediment in-store network, and decline in the world economy. With COVID-19 affecting countries at different times and rates, access to global demand through open markets, the pandemic situation created by COVID-19 has a major impact on the hand tools market as it has lowered its demand owing to the shutdown of most of the manufacturers all across the globe. Along with industrial disruptions, the commercial, construction, and infrastructure projects across the world were either cancelled or put on hold owing to the lockdown impositions. On the other hand, as the homeowners spent most of their time at homes during the pandemic, there was a noticeable shift in focus towards home improvements, interiors and home decoration activities at the residential/DIY level, which in turn called for a slight demand for hand tools. Thus, the hand tools and woodworking tools market is getting affected by COVID-19. This has resulted in a lower estimated year-on-year growth rate as compared with 2019. On the other hand, improvisation of technologies has led to gain strong industrial growth. However, the growth has been high after the market has opened after COVID-19, and it is expected that there would be considerable growth in the sector owing to high technology and interfaces that are expected to drive the overall demand of the market.
Most Importance of Courier Services for your Online Businesses
In business, the pace of progress is so high. To achieve goals, products must move quickly from one place to another. Life is so rapid nowadays, and no one wants to wait for days or weeks for a single thing to receive or deliver. To provide timely delivery, an online business needs a courier service. The time of deliverance at the destination is crucial because it does not matter how instantly you made a product. If it is not delivered on time, it will be a total waste. What is a Courier Service? A courier service aims to send a parcel from one location to the destination as quickly as possible. They can be booked or even paid online just at one touch. A sender can decide whether a courier may collect it or it will be delivered to a nearby location and later be picked up by the courier. It is vital to use a courier service for shipping Canada to transport products safely and efficiently to the U.S. They need an experienced courier service that can provide affordable rates and assistance in customs procedures. Online businesses Most people prefer to manage their businesses online. They engage a large population. Online businesses are beneficial in attracting people across borders. Online business is the new form of business, and it is flourishing rapidly. But one thing that ensures the growth of these businesses is courier service. Sending your product to different areas of the world is troublesome. But a reliable courier service can make the functioning of your business relatively smooth. They are known for their tracking capabilities and super speed of deliverance. Importance of well-grounded courier service A trustworthy courier service works as a backbone for an online business. It acts as a bridge between you and your customer. Many people are still hesitant to trust such courier services. But its importance and benefits are so convincing. Time is very precious, not just for the customer but for the business owner as well. Sometimes, things are time-sensitive that must be delivered on time. In such situations, courier service can be significantly faster than any other method. On-time delivery increases the chances that the customer will come again. There are some susceptible products, and they need proper attention. A reputed courier service gives details on how they will handle the product from picking to transportation. Sometimes you feel restless because of the package, whether it is conveyed to the customer or not. This can be so problematic or even affect your peace of mind. The delivery tracking system is an efficient feature provided by many courier services. That keeps you aware of where your shipment is via email, SMS, or phone calls. Receiving any products after due time or mishandled packages can easily change anyone's mood. The worth of your product drops to zero within seconds. Choosing the exemplary courier service to avoid such an experience is essential. After all, customer satisfaction is the priority of any online business owner. And the reviews from the customers can be a game-changer for the whole business. Common issues There can be some issues related to the courier service, like the delay in delivery of the product or mishandling of the product that can create a wrong impression on the customer. The uncertainty in the location of the shipment might cause a panic attack. Some companies provide the cheapest rates. That can be appealing at first but they compromise on their services.
Top 5 tiêu chí đánh giá sàn forex uy tín
Forex hiện đang là thị trường đầu tư của hàng triệu người trên khắp thế giới. Cũng vì thế mà hàng ngàn sàn giao dịch lớn nhỏ ra đời để đáp ứng nhu cầu của người tham gia. Việc lựa chọn một sàn uy tín, chất lượng thật không đơn giản chút nào, đặc biệt là với những người mới tham gia. Sau đây, là những tiêu chí sẽ giúp bạn lựa chọn được sàn giao dịch phù hợp. 1. Độ uy tín của sàn Hiện nay, tồn tại rất nhiều sàn forex lừa đảo người dùng, tự quảng cáo mình là tốt. Nhà đầu tư cần phải thông minh, tự mình tìm kiếm thông tin về sàn đó để đánh giá độ uy tín của sàn. Cách tốt nhất để đánh giá một sàn có đáng tin tưởng hay không chính là dựa vào các loại giấy phép và chứng chỉ mà sàn đó có được. Ở những quốc gia mà sàn forex đặt trụ sở, đều có các cơ quan quản lý tài chính kiểm soát. Mọi thông tin đều minh bạch trên website của các tổ chức này. Bạn có thể truy cập vào trực tiếp những trang này để tra cứu thông tin. Độ uy tín của cơ quan cấp phép cũng rất quan trọng. Không phải sàn nào được cấp phép từ nhà nước cũng là sàn tốt đâu nhé. Các sàn môi giới nhận được sự tin tưởng cao nhất hiện nay chủ yếu đến từ Mỹ, Anh và Úc. Bạn có thể truy cập website toptradingforex.com để tra cứu thông tin các sàn. Đây là trang tin tức đầu tư tài chính luôn chia sẻ và cập nhật tin tức tài chính, phân tích thị trường forex, cổ phiếu, vàng, tiền điện tử, giúp độc giả đánh giá và lựa chọn dịch vụ giao dịch uy tín nhất. Mọi thông tin về các sàn giao dịch cùng đánh giá độ uy tín được cập nhật đầy đủ. Website thuộc sở hữu của công ty TNHH TMM. Thông tin công ty: Tên Công Ty: CÔNG TY TNHH TMM Địa chỉ: Số 33, đường số 12, Cityland Park Hill, Phường 10, Quận Gò Vấp, TP.HCM, Việt Nam Điện Thoại: 0963915945 Email: tmm.toptradingforex@gmail.com Website: toptradingforex.com 2. Phí giao dịch Phí giao dịch là yếu tố mà hầu hết mọi người đều quan tâm khi lựa chọn sàn forex. Chi phí giao dịch bao gồm: Spread, Commission và Swap. Nhiều người thường phạm sai lầm là chỉ quan tâm đến Spread mà bỏ qua 2 phí còn lại, dẫn đến việc tổng phí phát sinh giao dịch rất cao. Đừng quên là phải tính tổng phí, chứ đừng chỉ chăm chăm vào Spread thôi nhé. 3. Nạp và rút tiền Các sàn giao dịch uy tín cho phép nhà đầu tư nạp rút tiền dễ dàng và nhanh chóng. Trong khi đó, các sàn lừa đảo thường tìm cách gây khó khăn để ngăn nhà đầu tư rút tiền. Họ thường đưa ra các điều kiện khắt khe trong chính sách hoặc viện cớ là lỗi kỹ thuật. Phí nạp và rút tiền vào các sàn forex là rất thấp, thậm chí nhiều sàn còn miễn phí. Mức phí nạp rút thường không phải là yếu tố quan trọng khi chọn sàn. 4. Nền tảng giao dịch Nền tảng giao dịch ảnh hưởng không nhỏ đến hoạt động mua bán của nhà đầu tư. Giao diện web và ứng dụng phải dễ hoạt động và thao tác. Các công cụ phân tích kỹ thuật, biểu đồ giá phải đầy đủ cho nhu cầu của người dùng. Đặc biệt, hệ thống phải hoạt động trơn tru, ổn định và không bị giật lag. Bạn nên kiểm tra hệ thống của sàn có thường xuyên bị lỗi requote hay không. Các sàn lừa đảo thường tận dụng lỗi này để thu lợi nhuận bất chính từ việc canh thời điểm mua bán có lợi cho mình. Sàn thường việc lý do là lỗi hệ thống. 5. Chăm sóc và hỗ trợ khách hàng Hệ thống không phải lúc nào cũng hoạt động ổn định. Kể cả với những sàn lớn nhất. Vì thế, chất lượng dịch vụ hỗ trợ là rất quan trọng. Dịch vụ tốt sẽ giúp nhà đầu tư giải quyết nhanh chóng rắc rối phát sinh, hạn chế rủi ro mất tiền hay bỏ lỡ cơ hội. 6. Gợi ý một số sàn uy tín Nếu bạn vẫn còn chưa quyết định được sẽ chọn sàn nào để bắt đầu giao dịch. Hãy để chúng tôi giúp bạn với gợi ý các sàn sau đây: Exness, XM, XTB, FBS, ICMarket, Hotforex, FXTM, Liteforex, NordFX, OctaFX. Bạn có thể truy cập link https://toptradingforex.com/thong-tin-ve-san-giao-dich-forex-cho-nguoi-moi-bat-dau/ để xem thêm. Tất cả thông tin về sàn lẫn ưu nhược điểm đều được tổng hợp đầy đủ, giúp bạn dễ dàng chọn được sàn phù hợp với mong muốn. Trên đây là 5 tiêu chí giúp bạn chọn sàn forex phù hợp. Chúc bạn tìm được sàn giao dịch như ý.
Vay Tiền Trả Góp Theo Tháng Chỉ Cần CMND Lãi Suất Thấp Uy Tín
Vay tiền trả góp theo tháng chỉ cần CMND với hạn mức hỗ trợ tối đa lên đến 20 triệu, ưu đãi lãi suất 0% dành cho khách hàng vay lần đầu, đăng ký online 100% không cần gặp mặt. Cùng FintechAZ tìm hiểu chi tiết hình thức này trong bài viết bên dưới nhé! Review sản phẩm vay tiền trả góp theo tháng chỉ cần CMND Nếu bạn đang cần gấp 1 khoản tiền mặt nhỏ mà ngại các thủ tục hồ sơ rườm rà khi vay tại ngân hàng thì hình thức vay này cực kỳ phù hợp cho bạn. Cùng FintechAZ xem qua ưu nhược điểm của mô hình vay tiền nhanh chỉ cần CMND để hiểu rõ hơn nhé! Chi Tiết Sản Phẩm Vay Tiền H5 Online Vay tiền H5 với đa dạng các sản phẩm vay từ các website/ứng dụng của các công ty tài chính đã giúp nhiều khách hàng đưa ra lựa chọn phù hợp nhất theo nhu cầu. Ưu điểm Hồ sơ thủ tục cực kỳ đơn giản chỉ cần CMND. Hỗ trợ đăng ký online 100% không cần gặp mặt. Ưu đãi lãi suất 0% và miễn phí hồ sơ khi bạn đăng ký vay lần đầu. Giải ngân hồ sơ nhanh trong ngày. Nhận tiền trực tiếp vào tài khoản ngân hàng. Không cần thế chấp tài sản. Không cần chứng minh thu nhập. Hạn chế Hạn mức vay thấp chỉ từ 1 triệu - 20 triệu Không hỗ trợ nợ xấu từ nhóm 3 trở lên. Lãi suất cao nếu so sánh với lãi suất vay tiền tại ngân hàng. Kỳ hạn vay ngắn tối đa chỉ từ 3 tháng trở xuống. Điều kiện vay tiền trả góp theo tháng chỉ cần CMND Hình thức vay vốn này phù hợp với tất cả mọi người, bạn chỉ cần đáp ứng được các yêu cầu cơ bản như: Là công dân Việt Nam đang sinh sống và làm việc tại Việt Nam. Có CMND/CCCD hoặc hộ chiếu tại Việt Nam. Có thu nhập ổn định từ 3 triệu/ tháng trở lên Không có nợ xấu tại ngân hàng. Nằm trong độ tuổi được xét duyệt khoản vay từ 20 - 65 tuổi. Thủ tục hồ sơ vay tiền trả góp theo tháng chỉ cần CMND Vì đây là hình thức vay tiền online 100% và được duyệt vay tự động nên thủ tục hồ sơ rất đơn giản, bạn chỉ cần chuẩn bị: 1 hình chụp CMND 2 mặt với góc chụp rõ ràng, không mờ số, mờ ảnh và có thể đọc được dấu mộc cũng như chữ viết. 1 hình chụp bạn đang cầm CMND nhìn rõ mặt. 1 số tài khoản ngân hàng chính chủ để nhận tiền. 1 số điện thoại chính chủ nhận cuộc gọi xác thực hồ sơ. 1 địa chỉ email cá nhân - nếu không có bạn có thể tạo mới, địa chỉ email này dùng để nhận các thông báo về hợp đồng vay. Quy trình giải ngân khi vay tiền trả góp theo tháng chỉ cần CMND tại FintechAZ Bạn sẽ nhận được tiền giải ngân ngay trong 24h nếu hồ sơ được duyệt chỉ với 5 bước đơn giản: Bước 1: Lựa chọn 1 tổ chức tín dụng cho vay uy tín được FintechAZ đề xuất trong bài viết này bằng cách bấm vào nút “Đăng Ký Vay” Bước 2: Hoàn thành hồ sơ vay online theo hướng dẫn trên website hoặc qua các ứng dụng app vay tiền mới Bước 3: Xác thực OTP được gởi tới số điện thoại mà bạn đã đăng ký. Bước 4: Chờ xét duyệt hồ sơ tự động. Bước 5: Nếu hồ sơ được duyệt, bạn sẽ được nhận thông báo trên website và nhận được tiền giải ngân về tài khoản ngân hàng mà không cần gặp mặt. Lưu ý: Trong quá trình hoàn thành hồ sơ vay và đợi duyệt, có thể sẽ có nhân viên tư vấn bên phía tổ chức tín dụng gọi đến số điện thoại mà bạn đã đăng ký để thẩm định và xác thực hồ sơ, bạn cần để ý điện thoại và nhận cuộc gọi nhé! Chi tiết sản phẩm vay tiền trả góp theo tháng chỉ cần CMND Mỗi 1 tổ chức tín dụng cho vay sẽ có những gói sản phẩm với hạn mức vay, kỳ hạn và lãi suất áp dụng khác nhau, bạn sẽ được thông báo cụ thể tại website của tổ chức cho vay khi đăng ký hồ sơ. FintechAZ sẽ giúp bạn tổng hợp khoản vay theo thông tin bên dưới: Hạn mức vay Đa phần các hình thức vay tiền trả góp theo tháng chỉ cần CMND hiện nay đều hỗ trợ hạn mức vay khá thấp, chỉ từ 1 triệu - 20 triệu. Tuy nhiên, bạn sẽ không được duyệt vay với hạn mức tín dụng tối đa ngay từ lần vay đầu tiên mà sẽ được tăng hạn mức tín dụng cho vay từ lần thứ 2 trở đi. Cụ thể với khách hàng vay lần đầu, hạn mức tín dụng sẽ được hỗ trợ trong khoản từ 1 triệu - 6 triệu và được hỗ trợ vay với ưu đãi lãi suất 0% để trải nghiệm dịch vụ. Với khách hàng vay từ lần 2 trở đi sẽ được hỗ trợ hạn mức tín dụng tối đa từ 6 triệu - 20 triệu. Kỳ hạn vay Thời hạn cho vay của mỗi tổ chức tín dụng dành cho sản phẩm vay tiền trả góp theo tháng chỉ cần CMND cũng sẽ khác nhau tuỳ theo chiến lược riêng, trung bình sẽ có kỳ hạn vay trả góp theo tháng từ 1 tháng - 3 tháng - 6 tháng - 12 tháng. Kỳ hạn vay cũng được phân thành 2 hình thức trả góp phổ biến là trả góp hàng tháng với tiền lãi + tiền gốc hoặc thanh toán 1 lần cả gốc lẫn lãi theo kỳ hạn quy định. Lãi suất Mức lãi suất cho vay theo sản phẩm vay tiền trả góp theo tháng chỉ cần CMND nằm trong khoảng từ 12%/Năm - 20%/Năm. Nếu bạn vay lần đầu, bạn có thể được hỗ trợ vay ưu đãi 0% lãi suất và phí. Xem bài viết đầy đủ với nguồn bài viết gốc tại: https://fintechaz.com/vay-tien-tra-gop-chi-can-cmnd/
What is a Passive Income?
A Passive Income can be described as the earnings or an income that keeps coming to you month after month even if you stop working. You need to work hard once and the income keeps pumping in for years to come. Anyway, you are going to do something to earn a living, and choosing the smart ways to earn money while you sleep can be one of the wisest decisions you will ever make. Billionaire Warren Buffett is a big fan of Passive Income and is proven by his famous statement. "If you don't create a way to make money while you sleep, you are going to run behind money your whole life". Why do you need a Passive Income? A Life free from the worries of Money no matter what you do or where you go can be fulfilled by Passive Income. Everybody does something in life in order to make money & earn a living. The reason why it's so important to create a residual ongoing income is to have good financial security. No matter how good you pay is, a paycheck to paycheck is a slavery life with chains wrapped around. It's proven when you get a weekly off and you feel like you just came out of prison. Isn't it? Otherwise, why would you plan so much to enjoy on weekends and not on weekdays? How to Create a Passive Income Online? Passive Income can be generated online or also offline. The difference between online and offline may be the ease to invest and also the risk involved. Let's say you choose to invest in real estate to create passive income, it will cost a lot of money for your initial investment. & if you choose to blog, Vlogging or affiliate Marketing you might require lesser Investment to start and less risk too. Creating a solid passive Income might take years but you need to be patient. Some tips to create an ongoing income: >>> Passive Income Ideas <<< The greatest success in life always demands the biggest sacrifice, however the rewards are long term and is worth every penny. Choose to invest your time and money wisely for the next 1-2 years, you will have a solid Passive Income that lasts for years to come. Get trained from a successful entrepreneur before you take any actions.
Significant COVID-19 Impact on Wealth Management in the Information, Communication, and Technology (ICT) Sector
COVID-19 Impact on Wealth Management in the Information, Communication, and Technology (ICT) Sector ANALYSIS ON IMPACT OF COVID-19 The pandemic originated from China and spread to all over the world, so far 218 countries and territories, and 2 international conveyances have been affected with COVID-19, U.S. being on the top with cases reaching about 34.5 million, followed by India, Brazil, and then by many European countries such as Russia, France, Italy, and others. The COVID-19 cases reached big named countries with strong dominance in the global market which had adversely affected the economy globally. The spread of the Coronavirus has led to the global recession, many companies were shut down and several manufacturing facilities were put on hold. There had been disruptions in the supply chain of many industries due to restrictions in logistics and the closing of manufacturing facilities. In addition, the slowdown in the economy has lowered the spending capability of individuals and people are saving money for emergencies. The World Bank stated that the global economy is expected to reduce by 5.2% in 2020. Emerging market and developing economies (EMDEs) are expected to decrease by 2.5% and the economic activity in advanced economies may get reduced by 7% in 2020. U.S. witnessed a decline of 4.8% on an annualized basis in the first quarter of Q1-2020. In addition, the slowdown in the economy has also lowered the spending capability of individuals and people are saving money for emergencies. The Latin American region is affected by COVID-19 in both human and economic terms. The IMF World Economic Outlook stated a decrease of 8.1% in the GDP of Latin America in 2020. However, the situation has improved significantly and the market is recovering from the fall. Companies are taking several measures to overcome such scenarios and more regulations are being incorporated. Wealth management is an investment advisory service that combines other financial services for addressing the needs of affluent clients. Using a consultative process, the advisor gleans information about the client’s wants and specific situation and then tailors a personalized strategy that uses a range of financial products and services. Wealth management can encompass all parts of a person’s financial life. Instead of attempting to integrate pieces of advice and various products from multiple professionals, high-net-worth individuals may be more likely to benefit from an integrated approach. In this method, a wealth manager coordinates the services needed to manage their clients’ assets, along with creating a strategic plan for their current and future needs, whether it is will and trust services or business succession plans. As the world was confronted by the COVID-19 pandemic, economic, social, and political challenges quickly became apparent across the globe. These abrupt circumstances affected both investors and wealth management firms. IMPACT ON DEMAND AND SUPPLY CHAIN, AND LONG TERM STRATEGIES ADOPTED BY MANUFACTURERS The pandemic is bound to bring new trends in the market such as an increase in digitalization. The companies require taking strategic decisions to sustain their development in this pandemic crisis. Companies have cut short the capital expenditure to maintain their financial conditions, in addition, they also need to set the sales projection to limit their offerings and avoid any extra spending. Companies need to innovate and develop technologies according to the changing trends of society. The pandemic has boosted the growth in digitalization and this has increased the requirement of wealth management on the digital platform. Critical business workflows are being digitized to enable changes in both client behavior and accommodate field personnel working remotely. Numerous organizations are shifting their focus toward digital platforms to make their business tasks simpler. It is seen that 89% of all companies have already adopted a digital-first business strategy or plan to do so and 70% of companies either have a digital transformation strategy in place or are working on one. The increasing growth in digitalization will boost the market of wealth management during the pandemic. Moreover, in 2020, the numbers of ultra-high net worth individuals, which are generally defined as those having investable assets of more than USD 30 million, grew by 24% worldwide, the fastest rate of increase since 2003. The increase in number created a huge opportunity for growth for the global wealth management market. The market players are now taking many strategic decisions to gain their market share and profit after COVID-19. Passive investing has dominated during the recent record-length bull market, active management poses advantages during volatile and turbulent times, and the firms that transform people, process technology within their equity platforms could be better positioned to grow assets. With the shifts to virtual business practices, many wealth managers have aggressively reached out to their clients by phone to make it a ‘moment that matters’ and build further goodwill through human touch. The services which are provided by the market are now shifted towards cloud platform which is very easy and flexible to use. Integrated AI and automation enable faster portfolio development aligned with customer’s expectations. This automation will be significantly used to build a portfolio for the customers which will be another strategic decision taken by the company. With the adoption and shifting the business to virtual practices, wealth managers have aggressively reached out to their clients by phone to for making a deal and build further goodwill. The distribution channel will much change for the market after the COVID-19 pandemic and this is why many companies are looking to launch their apps and online services to cater to the clients which is also a part of the strategic decision of the companies to maintain the growth of the company. Many firms may reprioritize capital allocation plans and many look for possible mergers and acquisitions for business survival and sustenance. The COVID-19 pandemic has affected the market but the services are now shifted towards cloud platform which is very easy and flexible to use. The COVID-19 has affected the supply of wealth management services as the income of the people were affected has decreased due to the pandemic. The comprehensive wealth management services were affected and the supply chain has also got affected. The players are now trying to position themselves to thrive in the next normal. The investors saw a drop in their portfolios and were given initial market drops. CONCLUSION Pandemic has taken a toll on every aspect of life, including the global economy. With the significant downfalls in many sectors, a collaborative effort of government, industry players, and consumers can win the fight against COVID-19. It continues to inflict the world with appalling economic and social dilemmas, capable enough to leave severe backlash on the economy for the next several years. The first wave had already inflicted severe blows to the population as well as the economy. The currently experiencing second wave is expected to be more disastrous not only to the masses but also to ICT markets. As the industry slowly emerges from the crises and the next normal takes hold, the success of the wealth management firms will depend on their ability to use the crises to accelerate their digital transformation and embrace a more flexible wealth management operating model. Client interaction will change, whether by choice or necessity. Digital enablement will likely continue to be leveraged to meet business and customer needs while how and where employees work and are supervised has already changed. The wealth management companies are accommodating mobile working and flexible working schedules to maintain the operational continuity which will run the business. The companies are trying to regain their share by every means, as these firms will also likely to tap on the data and analytics to learn more about potential customers which will ultimately increase their customer base. Hence, the companies are now adopting new distribution solutions after COVID-19 which will gradually help them to increase their portfolio and services and maintain their operations in the market. Some firms may start to consider mergers or deals as the environment becomes more challenging. This will benefit the companies by generating a profit and making the supply chain stronger. Southeast Asian consumers are hungry to access wealth services via apps and online. This means many wealth relationship interactions can be shifted to apps enabling low-cost services which will also help in business continuity.
Impact of COVID-19 on Grain-Oriented Electrical Steel in Chemicals & Materials Industry
COVID-19 Impact on Grain-Oriented Electrical Steel in Chemicals and Materials Industry Grain oriented electrical steel is a category of electrical steel which comprises iron-silicon alloys that are developed to provide the low core loss and high permeability, which are required for efficient and economical electrical transformers in power generation application. COVID-19 has adversely affected the demand of the global grain oriented electrical steel market, particularly, power and energy sector. Pandemic has also affected the import and export of the steel products across all the regions, which has resulted in the decline in the demand of the grain oriented electrical steel. The demand of the grain oriented electrical steel has declined approximately by 12%-14% in the COVID-19 period. The COVID-19 has unbiasedly affected all sectors due to which the mandate of the several products in the global as well as in the domestic market has fallen down. The prevailing grain oriented electrical steel demand conditions in the majority of developing nations demonstrates that the electrical steel consumption have deteriorated in the pandemic situation. Several large industries who are engaged in the manufacturing of grain oriented electrical steel product have faced several challenges towards the sale of the raw material for the finished goods due to shutdowns in the manufacturing of the several industries such as in automotive and electronic goods. This has led to the lower demand of the electrical steel in the global market AFTER MATH OF COVID-19 AND GOVERNMENT INITIATIVE TO BOOST THE GLOBAL GRAIN ORIENTED ELECTRICAL STEEL MARKET The demand of the home appliances have fallen during the COVID-19 by approximately by 45% due to which the demand of the electrical steel products in the electrical manufacturing industry has decreased. The large industry has resulted in less demand of the new machinery and components due to which demand of the electrical steel in manufacturing of motors and electrical ballasts have reduced during the pandemic situation. Post COVID, developing economies, such as China is expected to move more rapidly towards normalization of economic activity for the different sectors. This will increase the demand of the electrical steel products, and will increase the import for grain oriented electrical steel. With the stringent government regulation, particularly, in the field of infrastructure, the demand of the grain oriented electrical steel products such as hot-rolled sheets and cold rolled sheets would subsequently increase. Automobile manufacturers are heavily investing funds in the market. With the increase in the demand for the modern electric vehicles, the demand for the grain oriented electrical steel is set to rise in the global market. STRATEGIC DECISIONS FOR MANUFACTURERS AFTER COVID-19 TO GAIN COMPETITIVE MARKET SHARE Pre-pandemic, manufactures had financial stability; however, COVID-19 had forced the manufactures into extreme slumps. The effects of the pandemic will largely affect the small and medium business. The grain oriented electrical steel is extensively used in the manufacturing of the electric motors and components which are brought to application in the electric appliances. During the COVID-19, manufacturing of the heavy electrical equipment have tumbled down which result in the fall in the demand for the electricals steels in motors application. Several types of components are used in the transformers which have different flux density which help to lower the wastage of the energy during transmission but the demand of the different size of transformers have fallen down due to which demand of the grain oriented electrical steel from equipment manufacturers have fallen down. During the pandemic, several electrical equipment manufacturers have shut down the production for more than six months which has had a bad impact on the demand of electrical steel market. PRICE IMPACT Steel industry is also playing a crucial role in the electrical steel market since tons of steel and other metals are used in the manufacturing of the grain oriented electrical steel. The pandemic has also impacted the demand of the steel products in all the regions. In the U.S., steel mills have to adjust their production activities to avoid rising inventories and declining prices of the steel products which result in lower revenue generation. As demand of the steel is declining, integrated steelmaker in U.S. steel manufacture has decided to idle blast furnaces and cut production of steel. Japan steel production is expected to decline by 25.9% as per the Vietnam Steel Association (VSA), companies associated with the VSA registered a 15% decline in steel production and a 38% reduction in steel exports in Q1 2020. COVID-19 has adversely affected the steel prices as the demand of the steel has fallen down as lockdown in several industries. IMPACT ON DEMAND During the COVID-19, manufacturing of the heavy electrical equipment have tumbled down, which resulted in the declined demand for the grain oriented electricals steel. Several types of components are used in the transformers which have different flux density that help to lower the wastage of the energy during transmission. However, the demand of the different size of transformers has collapsed. During the pandemic, several electrical equipment manufacturers have shut down the production for indefinite time period, which have adverse impact on the demand of grain oriented electrical steel market IMPACT ON SUPPLY CHAIN Power and energy industry is heavily relying on Supply Chain Management (SCM). Improvement in the supply chain has always been demanded by the manufacturers and the end users. The COVID-19, which led to the abrupt halt of the transportation sector, indirectly affected the supply chain for the grain oriented electrical steel market. Manufacturers had to bear the storage cost as well as had to face the consequences for the late conveyances. The delivery of raw goods was adjourned or annulled, which resulted in the rise of the cost to the end users. The Import-export of the final product was also severely wedged, hindering the completion of major projects, resulting in increased costs. CONCLUSION The COVID-19 crisis has created the pandemic situation widely, which affected the growth of the overall steel industry. The demand in the energy and power, building and construction, automotive activities have withered down globally. The nationwide lockdown across the globe for all the manufacturing units, construction activities and others, resulted in lower demand of grain oriented electrical steel products, which eventually, lead to huge loss for manufactures. The manufacturer of grain oriented electrical steel components and equipment had to abruptly halt the production which had its impact on the supply-chain. Flux in the demand of the electricity in different countries have lowered and has proportionally affected the demand of the grain oriented electrical steel products in the energy and power sector. The fluctuation in the price of steel has also impacted the manufacturing of the grain oriented electrical steel. Progressive demand of electricity and power in the man industry and launch electrical vehicles will increase the demand of grain oriented electrical steel in coming years.
ODSZKODOWANIE OD SKARBU PAŃSTWA.
Według artykułu 417 § 1 Kodeksu cywilnego, szkoda wyrządzona przez działanie niezgodne z prawem albo poprzez zaniechanie przy wykonaniu władzy publicznej, wiąże się z odpowiedzialnością odszkodowawczą ze strony Skarbu Państwa. Oprócz tego nie mogą być to działania prowadzące do całkowitego zakazu działalności gospodarczej. Według doktryny „istota prawa lub wolności zostaje naruszona, gdy regulacje prawne – nie znosząc danego prawa (lub wolności) – w praktyce uniemożliwiają korzystanie z niego.” Czyli podczas gdy Konstytucja umożliwia jedynie ograniczenie prowadzenia działalności, to wprowadzenie zakazu prowadzenia jej przez określony czas stanowi poniekąd wywłaszczenie z tego prawa. W artykule 21 ust. 2 Konstytucji wywłaszczenie stanowi przyczynę do spełnienia obowiązku odszkodowawczego ze strony Skarbu Państwa. Jest to spowodowane m.in. niewprowadzeniem przez rząd stanu klęski żywiołowej. Straty majątkowe właścicieli firm mogą więc podlegać roszczeniu, o czym mówi ustawa o wyrównaniu strat majątkowych wynikających z ograniczenia w czasie stanu nadzwyczajnego wolności i praw człowieka i obywatela. Podsumowując, takie działanie stanowi zaniechanie legislacyjne. Zgodnie z art. 417 § 4, gdy szkoda jest spowodowana przez niewydanie aktu normatywnego (do czego zobowiązują przepisy), to właśnie sąd rozpoznający sprawę stwierdza, że niewydanie takiego aktu jest niezgodne z prawem. Za to w orzecznictwie uzasadnieniem odpowiedzialności odszkodowawczej państwa w takiej sprawie są następujące przesłanki: 1. istnienie przepisu prawa przewidującego takie wymaganie, 2. niewydanie aktu normatywnego mimo istniejącego obowiązku, który wynika z tego przepisu prawa, a także 3. stwierdzenie, że niewydanie tego aktu jest niezgodne z prawem. Istnieje duże prawdopodobieństwo, że niedługo pojawią się liczne pozwy zbiorowe, głównie od przedsiębiorców z branży hotelarskiej i fitness. Oczywiście będzie to uzasadnione, biorąc pod uwagę, że do dziś nie został wprowadzony stan nadzwyczajny. Dlatego wszelkie ograniczenia związane z zamknięciem działalności gospodarczej nie są zgodne z Konstytucją – tak samo, jak obowiązek zakrywania nosa i ust. Nie bez powodu obserwujemy rosnące niezadowolenie ze strony obywateli. Lockdown prowadzi nie tylko do ogromnych strat dla osób prowadzących działalność gospodarczą, ale również do nakładania absurdalnych kar finansowych. Zarówno w przypadku fryzjera otrzymującego karę w wysokości 10 000 zł, jak i grzywny 5 000 zł dla osoby niemającej na twarzy maseczki ochronnej, kwoty nie były adekwatne do skali popełnionych czynów. Rezultatem takich działań rządu mogą być zbiorowe pozwy przeciwko Skarbowi Państwa. Pozostaje jednak obserwować sytuację, m.in. śledząc pojawiające się orzeczenia dotyczące przepisów epidemicznych i ich niezgodności z Konstytucją. Source URL : https://www.mk-finanse.pl/blog/odszkodowania/704-odszkodowanie-od-skarbu-panstwa.html