#national pension system scheme

[utipension]

Why NPS | National Pension System Scheme

National Pension System (NPS) is one of the best retirement planning tool available in India today. NPS is a voluntary pension scheme, regulated by PFRDA.

[sharemarketinsider]

National Pension System (NPS): A Retirement Solution with New Flexibility and Long-Term Potential

[opennewsmedia]

Unified Pension Scheme (U.P.S.) की जानकारी-

केन्द्र सरकार द्वारा जारी UPS( एकीकृत पेंशन योजना) की श्रोतों द्वारा अर्जित की गई जानकारी निम्नलिखित है-

कैबिनेट ने केंद्र सरकार के कर्मचारियों के लिए राष्ट्रीय पेंशन प्रणाली (एनपीएस) में सुधार के लिए एकीकृत पेंशन योजना (UPS) की शुरुआत को मंजूरी दे दी है। सरकारी कर्मचारी मांग करते रहे हैं कि उन्हें अपनी पेंशन में निश्चितता की आवश्यकता है, विशेष रूप से पेंशन, पारिवारिक पेंशन और न्यूनतम पेंशन । जबकि सरकार इन चिंताओं को पूरी तरह समझती है, सरकार की आम नागरिक के हितों की रक्षा करने की भी जिम्मेदारी है ताकि भविष्य में पेंशन के कारण उन पर उच्च करों का भारी बोझ न पड़े। इसे ध्यान में रखते हुए, सरकार ने मौजूदा एनपीएस की समीक्षा करने और मामले में सिफारिशें करने के लिए वित्त सचिव की अध्यक्षता में एक समिति नियुक्त की थी। समिति ने राज्य सरकारों के साथ-साथ कर्मचारियों के प्रतिनिधियों से परामर्श किया और संघों, विशेषज्ञों आदि के सुझावों पर विचार किया। समिति ने अंतरराष्ट्रीय अनुभव को भी देखा और भारतीय रिजर्व बैंक से परामर्श किया। कमेटी ने अब अपनी रिपोर्ट सौंप दी है। यूपीएस समिति की सिफारिशों पर आधारित है और समिति की सिफारिशों पर राष्ट्रीय संयुक्त ��लाहकार मशीनरी परिषद (जेसीएम) के कर्मचारी पक्ष के माध्यम से कर्मचारियों के प्रतिनिधियों के साथ चर्चा की गई। कर्मचारी प्रतिनिधियों ने व्यापक सहमति बनाने के लिए समिति को बहुमूल्य सुझाव दिये। यूपीएस की व्यापक रूपरेखा में निम्नलिखित शामिल हैं:-

1-जिन कर्मचारियों के पास पर्याप्त सेवा है, उन्हें पेंशन के रूप में उनके पिछले 12 महीनों के मूल वेतन का औसत वेतन कम से कम 50% सुनिश्चित पेंशन मिलेगी।2-कम से कम 10 साल की सेवा वाले कार्मिकों को न्यूनतम 10,000 रुपये प्रति माह पेंशन दी जाएगी।

3- जीवनसाथी को पारिवारिक पेंशन पेंशन का 60% धनराशि के रूप में दिया जाएगा।

4-सुनिश्चित पेंशन, न्यूनतम पेंशन और पारिवारिक पेंशन पर महंगाई राहत दी जाएगी न कि मंहगाई भत्ता।

5-इसके अतिरिक्त, सेवानिवृत्ति के समय एकमुश्त धनराशि प्रदान की जाएगी।

6. स्वैच्छिक सेवानिवृत्ति (वीआरएस) के मामले में अभी नियम और इसका मूल ढांचा तैयार न होने तक स्थिति पूर्ण रूप से स्पष्ट नहीं हो पा रही है कि किसी कर्मचारी द्वारा VRS लेने के उपरांत उसे पेंशन तत्काल मिलना प्रारंभ होगा अथवा उसके वास्तविक सेवानिवृत की दिनांक के पश्चात अर्थात कितने वर्ष पश्चात उसे पेंशन देना प्रारंभ किया जाएगा।

7. कर्मचारियों के वेतन से दिया जा रहे अंशदान में कोई बढ़ोतरी नहीं होगी बल्कि केंद्र सरकार अपना अंशदान 18.5 % कर देगी, जो लोग एनपीएस के तहत पहले ही सेवानिवृत्त हो चुके हैं वे भी इस लाभ के पात्र होंगे। ऐसे पूर्व सेवानिवृत्त लोगों को उनके द्वारा पहले ही की गई निकासी को समायोजित करने के बाद बकाया का भुगतान किया जाएगा।

योजना का विवरण और पात्रताएं नीचे दी गई हैं-

1- कर्मचारी के योगदान (मूल वेतन + डीए) के 10% पर कटौती जारी रहेगी।

2- सरकारी योगदान वर्तमान 14% से बढ़कर 18.5% हो जाएगा।

पेंशन कोष दो फंडों में बांटा जाएगा-

2 (A) - एक व्यक्तिगत पेंशन निधि जिसमें कर्मचारी का योगदान (मूल वेतन और डीए का 10%) और समान सरकारी योगदान जमा किया जाएगा।

2(B) - अकेले अतिरिक्त सरकारी योगदान के साथ एक अलग पूल कॉर्पस (सभी कर्मचारियों के मूल और डीए का 8.5%)

2(C) -कर्मचारी अकेले व्यक्तिगत पेंशन कोष के लिए निवेश का विकल्प चुन सकता है। कर्मचारी सुनिश्चित पेंशन में आनुपातिक कटौती के साथ व्यक्तिगत पेंशन कोष का 60% तक निकाल सकता है।

2(D) -सुनिश्चित पेंशन पीएफआरडीए द्वारा अधिसूचित निवेश पैटर्न के 'डिफ़ॉल्ट मोड' पर आधारित होगी और व्यक्तिगत पेंशन कॉर्पस के पूर्ण वार्षिकीकरण ��र विचार किया जाएगा। यदि बेंचमार्क वार्षिकी सुनिश्चित वार्षिकी से कम है, तो कमी को पूरा किया जाएगा। यदि व्यक्तिगत कर्मचारी कोष सुनिश्चित वार्षिकी (कर्मचारी द्वारा चुने गए निवेश विकल्प के आधार पर) से अधिक उत्पन्न करता है, तो कर्मचारी ऐसी उच्च वार्षिकी का हकदार होगा। हालाँकि, यदि उत्पन्न वार्षिकी डिफ़ॉल्ट मोड से कम है, तो यूपीएस के माध्यम से सरकार द्वारा प्रदान किया गया टॉप अप बेंचमार्क वार्षिकी तक सीमित होगा।

2(E) - न्यूनतम 25 वर्ष की अर्हक सेवा के लिए पूर्ण सुनिश्चित पेंशन उपलब्ध होगी। कम सेवा के लिए, कम से कम 10 वर्षों से शुरू करके, आनुपातिक सुनिश्चित पेंशन दी जाएगी।

2(F) -कर्मचारियों के पास यूपीएस चुनने का विकल्प होगा। यदि कोई कर्मचारी चाहे तो एनपीएस को जारी रखना चुन सकता है।

यूपीएस 01.04.2025 से प्रभावी होगा। आवश्यक प्रशासनिक/कानूनी सहायता ढांचा स्थापित किया जाएगा, इस योजना को राज्य सरकारें भी अपना सकती हैं। इससे 90 लाख से अधिक कर्मचारियों (23 लाख केंद्र सरकार के कर्मचारी, केंद्रीय स्वायत्त निकायों के 3 लाख कर्मचारी और राज्य सरकारों के 56 लाख कर्मचारी और राज्य सरकारों द्वारा अपनाए जाने पर राज्य स्वायत्त निकायों के 10 लाख कर्मचारी) को लाभ होने की उम्मीद है कर्मचारियों को लाभ पहुंचाने के साथ-साथ यह आम नागरिकों के कल्याण की भी रक्षा करेगा क्योंकि यह योजना पूरी तरह से वित्त पोषित होगी, यानी सरकार हर साल अपना योगदान पूरी तरह से भुगतान करेगी और पेंशन व्यय को स्थगित नहीं करेगी, इस प्रकार नागरिकों की भावी पीढ़ियों के लिए वित्तीय कठिनाई को रोका जा सकेगा।

इस लेख की कुछ जानकारी श्रवण कुमार कुशवाहा जी के पत्र से भी ले गई है अतः उनका बहुत बहुत आभार

[kfintech]

Open NPS Account Online | NPS Account Opening | KFintech

National Pension Scheme (NPS) is a government-sponsored pension scheme to provide income security for all sector citizens. Apply for National Pension System Online at NPS KFintech.

[shrimoneymatters]

What Are the Challenges Investors Face When They Plan an Investment in Mutual Funds in Bhavnagar?

Investing can be a journey of both excitement and confusion, especially for newcomers in Bhavnagar. The financial market offers various avenues, and mutual funds stand out as an excellent starting point. However, the road to choosing the right funds is often riddled with challenges. Let's explore the obstacles investors face as they begin their journey of investment in mutual funds in Bhavnagar.

Addressing Investor Challenges

Information Overload: Navigating through countless mutual fund options can overwhelm newcomers, making decision-making daunting.

Defining Investment Objectives: Setting clear financial goals and understanding risk tolerance before diving into investments is crucial.

Assessing Fund Performance: Beyond past returns, evaluating risk-adjusted returns, consistency, and comparisons with peers is essential.

Grasping Fund Fees: Understanding various fees impacting returns, like management fees and sales loads, is key in assessing costs.

Emotional Decision-Making:��Emotions often drive impulsive decisions, leading to short-term choices detrimental to long-term goals.

Lack of Expertise: New investors may lack financial knowledge, highlighting the importance of seeking guidance from advisors.

Expert Guidance for Bhavnagar Investors

Shri Money Matters, one of the best mutual fund distributors in Bhavnagar, understands the challenges investors face and offers reliable investments in mutual funds, helping investors gain a basic understanding of key concepts like risk, diversification, asset allocation and streamlining investments for them. Let's explore how investors can benefit from advanced tools and practices offered by them:

Streamlined Selection Process: Distributors utilize advanced tools to simplify fund selection, and investors can easily compare different funds based on crucial criteria.

Thorough Fund Analysis: In-depth research and analysis on mutual funds form the basis of well-informed recommendations, aligning with individual goals.

Tailored Recommendations: Understanding financial profiles and risk tolerance leads to personalized fund recommendations.

Ongoing Support: Ensuring continuous support, addressing concerns, and recommending adjustments as needed.

Fostering Rational Decisions: Guidance in developing a long-term investment mindset focused on rational decision-making.

Mitigating Risk: Encouraging diversification across asset classes to construct well-balanced portfolios.

Portfolio Rebalancing: Regular reassessment for portfolios to stay aligned with objectives.

Personalized Advice: Offering customized advice based on unique circumstances and financial objectives.

Conclusion

Starting your investment journey in mutual funds needs careful planning. While mutual funds are a good start, diversifying your investments is necessary. Shri Money Matters helps investors in Bhavnagar make smart choices, get ongoing help, and stick to a clear investment plan with all the above-listed tools and tactics.

[merisarkar]

National Pension System: जानिये क्या लाभ हैं NPS में निवेश करने के

National Pension Scheme (NPS): सरकार द्वारा चलाई जा रही पेंशन योजना नेशनल पेंशन स्‍कीम (NPS) तक अब गांवों या कस्‍बों में रह रहे लोगों की भी पहुंच आसान हो जाएगी। पेंशन फंड रेगुलेटरी एंड डेवलपमेंट अथॉरिटी (PFRDA) ने कहा है कि सभी की पेंशन योजना NPS तक आसानी से पहुंच हो, इसके सभी बैंक शाखाओं और पोस्‍ट ऑफिस में यह उपलब्ध कराने के प्रयास किए जा रहे हैं। PFRDA ने NPS के डिस्‍ट्रीब्‍यूशन के लिये…

[lira456]

Naruto failure of hokage in every front like his ancestors

Many things needed fair conclusions which were overlooked so what naruto did what kind of reform he enforced regarding clan laws and treatments because of uchiha tragedy, regarding reformation of child soldiers and anbu matters becuase of rin and itachi, regarding reforming continental laws and regulation if invasion of small coutries and villages happening and their rebuilding and reparation because of wrongdoings 5 NATIONS AND KAGE have caused in the past,

also how he gonna bind all shinobi villages and even countries in the mutual trust and common ground so that nothing unlawful conclusion happen like that of shikimaru shinden and who gonna maintain or correct it in future that's why you need solid effective laws that equally and equitably benefit and treat and question everyone( author only just blink of some years bring phone,computer and video games but still maintains feudal sytem does not have international laws we have under UN so that no one can easily go to war even israelis are condemned against by UN but in naruto we don't have any such organization,laws,platform for time to time problem which can connect all shinobi countries and villages on the continent, even villages can not oppose their daimyo's order meaning they have no alternative source of income so naruto did not find another way for complete econmical survival without shinobi missions on 80 percent level such as using chakra and exporting chakra tech not for warfare especially and chakra natures lol feels like he still wants to maintain system in 60 percent ground: pure bad writing to continue boruto),

also what about orphanage system for other villages especially orphan from small villages or destructive land or from remote area like that of ryogi and kabuto and kara children and ame child how did not naruto send no shadow clone or shinobi for such purpose as he always preach about how he understand everyone's pain so called messiah or any welfare like system for poor shinobi from impoverished village shinobi or even his own village especially their widows and orphans did not shown or pension like something for shinobi especially who lost their body parts such as guy or some especial payment for shinobi like kawaki's father and give him alternative employment becuase of being war hero could have saved kawaki feels like villages abandoned many remaining shinobi or why not give them alternative employment because of their past service (just simply dispose of them if they lost value so cruel, just how pain said), by checking all the shinobi they could have but becuase they don't have correct and effective database like system even without tech that's how inaffective their shinobi system is because it's only focus on deciphering stupid message that would do no good for average shinobi and their family, collect tax from people building hiring,build some stupid building, maintain shinobi academy and its doctrination and missions and ranks and secret non transparent scheme meaning they don't have any citizen or shinobi benefit only jonin and upper echelon have that luxury even nothing special fund for orphan that's why ryogi doest not send to kabuto nothing specific, only all connected to glrifying and worshipping their anscestor that's why they don't have effective database maintained because of that after the war they lost track many shinobi and who knows how their family survived not shown not even regarding the other villages saddening, also about their individual desire or dream for that can they stop being shinobi suddenly or leave the village, did not shown regarding such issues especially how they panicked when mitsuki left and send their kids to die really sad.

it seems they even don't have unique trade that could connect all in a way that not one can lie or go to war meaning kakashi did not create any trade system only how they can rebuild and maintain ninja system which was in threat because lack of manpower(losing most of the shinobi in the war) meaning focused mostly making buildings,transportation,long distant upgraded message device and sharing shinobi missions with other villages, so kakashi did not change any political,children curriculam,ideological and law related issues in the village, naruto not even focused on changing of dangerous social struture in kiri village and lack of resources problem in iwa country and village, even we did not see how sand village's lack of resouce problem and how they solved it under gaara, really half baked, so many things overlooked,

so even did not even focus on what law or regulation he would establish to maintain clan's inner environment and conflicts becuase hyuga slavery( ther are maybe no large clans left in konoha anymore because in boruto we never see any clan meeting like that of hyuga or many clan fighting together like sarutobi and akimichi only showed some yamanaka power but not said whether they are members of yamanaka or not that's likely most died in the war, ony maybe at bare minimum members around 20 to 30 and they maintain no more clan positive harmonious tradition like clan meeting and practice just stop the heritage as we are not shown, meaning some cultural genocide, naruto as hokage could have celebrated each clan's power as culture festival making it show in public like we see chinese,european cultures etc. in many carnival and festival, in this way he could have connected and create harmony and pleasure for these lost heritage clans because naruto was suppose to be a hope that connect people it seems he has forgotten his own theme in boruto cooperation through understanding and sharing pain lol he is not doing that kind of effort to maintain harmony,peace and love among village,clan and outsider instead he is busy in collecting more power and benefit from amado and eida and katasuke and even from kawaki, that's strategic why both kawaki and boruto remained in konoha and not in other village, so much for mutual trust lol.

This is why naruto as a hokage and MC is complete bulshite and loser especially kishimoto's false half baked writing surrounding lack of insight of political atmosphere felt so underserving and hypocritical because i felt so much ideological and behavioral difference between zabusa arc naruto and ending &boruto naruto, really dissapointing.

[willcodehtmlforfood]

'It’s not just consumer scams. Government agencies have adopted BankID to make it easy to set up legitimate businesses in Sweden, which has also enabled fraudsters. Some have used fake companies with phony payrolls to launder money. Through such schemes, organized criminals can turn income from fraud and drug sales into a tool to get bank loans and extract payments from the welfare system.

“That means you can generate profits from crime and then ultimately get a state pension based on that income,” said Larson, the Swedish prosecutor. “That is extremely offensive.”'

[utipension]

NPS: National Pension System in India - UTI Pension Fund Limited (UTIPFL) UTI Pension Fund Limited (UTIPFL) is one of the leading pension fund managers in India. We manage pension assets and funds for Central Government employees, State Government employees, and private sector NPS subscribers. We specialize in the National Pension System (NPS) to provide optimal retirement solutions and maximize returns for a secure financial future. To learn more, visit us now! https://www.utipension.com/

[mariacallous]

KYIV — Ukrainian Prosecutor General Andriy Kostin resigned on Tuesday in the wake of a lurid scandal in which public officials allegedly usedbogus disability certificates to get more generous pensions from the state and possibly evade being drafted to fight Russian troops.

In Khmelnytskyi region in western Ukraine, for example, some 50 prosecutors reportedly obtained fraudulent disability certificates from an official with the state medical board, shielding them from induction into the country’s hard-pressed military. The official was arrested and charged with corruption — the draft-evasion scheme allegedly earned her hundreds of thousands of dollars.

After Ukrainian media broke the scandal last week, the Office of the General Prosecutor launched an internal investigation that led to a wave of inspections throughout Ukraine’s public sector.

The Security Service of Ukraine (SBU), a domestic intelligence body, caught another medical official from Mykolaiv region with $450,000 in undeclared cash. She had also issued disability certificates to herself and to her son, who carried a Russian passport, the SBU said.

Overall, some 64 state medical commissioners have been issued with “notes of suspicion,” the Ukraine equivalent of criminal charges that have not yet been tried in court. Some 4,000 disability certificates were canceled after the audit, SBU head Vasyl Malyuk said Tuesday.

Ukrainian President Volodymyr Zelenskyy demanded Kostin take political responsibility for the scandal. The prosecutor general duly threw himself under the proverbial bus.

“Many shameful facts of abuse have been established in the system of the prosecutor’s office of Ukraine,” Kostin said in a statement Tuesday. “The President is correct ... not only should all illegal decisions regarding the granting of disabilities, corresponding pensions and other payments be canceled. [But] clear legislative and organizational changes should [also] come, as well as political responsibility.

“I am grateful to the President of Ukraine and to the [parliament] of Ukraine for their trust. But in this situation, I think it is correct to announce [my] departure from the position of Prosecutor General,” he added.

Kostin resigned after a meeting of the National Security and Defense Council, at which Zelenskyy vowed scrutiny of all disability certificates as well as the process of granting disabilities.

“These decisions include the digitalization of procedures for all stages of medical and social expert commissions; a thorough inspection of the declarations of members of medical commissions; the verification and revision of unjustified decisions on the disability status of officials; and an audit of the relevant pension accruals,” Zelenskyy said.

[rauthschild]

We have described for you the deplorable criminality which has gained access to our world through the British Government(s) and their collusion with the Holy Roman Empire -- the impersonation of people as different kinds of corporations, the illegal and unlawful direct taxation of civilians by private banks, the use of commercial corporations to usurp national governments, and we have touched upon the corruption of the courts, especially Admiralty Courts and the so-called King's Bench (Maritime Commerce) courts.

We have plainly stated that the courts are bonding court cases and presenting them as investment opportunities. The bond numbers are case numbers, and the odds of conviction and "commission returns" on these bonds run at 96% on average, so the Hired Jurists running these courts are highly motivated to secure convictions by any means possible ---- the courts and the court's officers share in the booty they collect.

Government "Investors" are also highly motivated to keep this gravy train running. Where else can you guarantee yourself a 96% rate of return on a short term bond investment?

When first confronted about this "Court Registry Investment System" court officials stonewalled and denied the existence of any such bond investment (and ultimately, payola) system by which they receive commissions, aka, "pension" payments from all the loot rolling in from the illegal confiscation of privately-held American assets and equally illegal betting on the rigged outcome of court cases controlled by Hired Jurists in the King's Service.

The Guilty Parties observe that there is no law against murdering corporations, stealing from corporations, impounding corporations, etc., but then, in the same token, corporations should have no ability to make unlimited political campaign contributions, should they?

Those responsible for the unconscionable contracts allowing them to create all these Puerto Rican shelf corporations, and the Roman Inferior Cestui Que Vie Trusts that result when the shelf corporations are bankrupted, should be paying all the charges and expenses of maintaining these corporations and should also be paying all taxes owed by these imaginary corporate franchises, too.

The living victims of this personage scheme should be held absolutely harmless from all charges and harm, but as everyone can see and attest, the Parent Corporations and Administrators have been evading their Usufructuary Duty and foisting their responsibility off onto the victims of their inland piracy.

The Admiralty Courts have been busy collecting booty belonging purportedly to "rebels" engaged in illegal commercial mercenary "wars", and salvage fees owed by foreign sovereigns, and managing the Estates of imaginary British Merchant Mariners, who all just happen to be "Taxpayers" --- Warrant Officers who are responsible for collecting tariffs for the King, who are all based out of Puerto Rico and all declared "missing, lost at sea".

The Maritime Commercial Courts operated by the British Crown have been fraudulently confusing themselves -- the so-called United States District Courts -- with district courts of the United States authorized under Article V of the Federal Constitutions. Under this guise of borrowed rectitude, they have been operated as "concessions" to take advantage of the Cestui Que Vie ESTATES purportedly belonging to Municipal "citizens of the United States".

Are we all beginning to get the drift of just how crooked all these operations are and the nature of the "courts" that have been foisted off on the people of this country, who have all suffered crimes of impersonation and identity theft and human trafficking, at the hands of men employed by them to protect their "persons" and who are obligated by contract and treaty to do so?

As mentioned in our International Public Notice: Impersonation, the British Territorial Rump Congress created by Abraham Lincoln changed the meaning of the word "person" to mean "corporation".

See 37th Congress, Second Session, Chapter 49, Section 68.

This was followed up on February 2nd 1871, when the 41st British Territorial U.S. Congress declared itself to be the Successor of all United States Corporations.

The "United States" being referenced is the American Federal Republic and its corporations.

This takeover was done with no Notice to the Public, no listing in the Congressional Record, and, most importantly, no Notice to the Federation of States. It failed all requirements of Due Process.

How is that even possible?

By February 2nd 1871, all the State Governments had been confused with State of State Governments, and the Brits had illegally included State assets as if they were American State of State assets, and rolled everything into "State" Trusts.

They had also demanded that the people of each State write new Constitutions allowing their own British Territorial State-of-State operations to take over.

The American States of States, such as The State of New York, were replaced by British Territorial counterparts calling themselves, for example, "the State of New York". The name change was so slight, a change from "The" to "the", that nobody but British Collaborators knew there had been any change at all.

The new "State" Constitutions enacted between 1863 and 1871 were equally vague and deceitful, appearing very similar to prior service contracts and calculated to hide what was actually going on from the American Public.

By February 2nd 1871, the assets of the actual Autochthonous Nation States had been illegally and illogically misidentified as assets of the Federal Republic and had been cashiered in covert State Trusts, like the Michigan State (Trust).

This is what gives rise to the grammatical nightmare of "the Michigan State Capitol" and "California State University".

As an analogy, if the company hired to mow your lawn went bankrupt, or for any reason failed to perform, would this justify an assumption that your property was part of their bankruptcy or incompetence? Would this scenario justify an assumption that your home was an asset of their bankrupt business? Or an unclaimed chattel of theirs?

Certainly not, yet this is precisely the "reasoning" employed to secretly latch upon the assets of the American States and cashier them in State Trusts controlled by the Perpetrators of this gigantic fraud scheme.

With the State assets illegally cashiered in trusts controlled by the Perpetrators under False Pretenses, the original American State of State organizations inoperable, and British Territorial States of States operating as franchises of the British Territorial corporation calling itself "the United States of America" --- Incorporated, there was nothing to stop the Perpetrators from bypassing Due Process owed to the actual States and People.

According to them and what they told the rest of the world, we had ceased to exist. Our lawful American Government was reportedly "in interregnum" and in the meantime, our British Territorial and Holy Roman Empire Federal Subcontractors were "assuming" a "custodial interest" in our assets.

In this way, the British Territorial Government under contract to our States, contrived to unlawfully convert our State assets into Public Trust assets controlled by their Agents, and to mothball and substitute their own "services" for both our Autochthonous American States-of-State organizations and our lawful State Governments.

This is all premeditated, malicious, self-interested legal chicanery and constructive fraud, by which our foreign employees have attempted to erase our national sovereignty, use our assets as collateral backing their debts, and ultimately, bring False Claims on Abandonment against our assets for their benefit.

We never abandoned anything, just like we never volunteered to act as "Taxpayers" and never knowingly adopted U.S. Citizenship, and were told nothing about the Roman Inferior Trust ESTATES established for us under the resoundingly False Presumption that we were ever "citizens of the United States", either.

These False Friends and False Representatives impersonated the American States and seized upon their assets, and have controlled our State assets by dint of secrecy, False Legal Presumptions, and False Claims dependent on similar names deceits.

Our original state-of-state entities doing business as, for example, The State of New York, were members of the failed Confederation.

Likewise, the stricken State Republics and Republics of State, such as the Texas Republic and Republic of Texas, were members of the failed Federal Republic.

Their assets might, arguably, be salvaged and secured by the British Territorial Federal Subcontractors doing business as the United States of America, Incorporated ---- but not the assets of our Autochthonous Nation-States.

Our Autochthonous unincorporated States of the Union are members of the unincorporated Federation of States.

There are no "United States Corporations" present for British Interests to seize upon or assume any custodial interest in.

In the same way, there is no excuse for them impersonating our States as State Trusts, substituting their state-of-state organizations for ours, nor any of the criminal impersonations and undisclosed registrations of individual Americans that have taken place.

There is no plausible excuse for them bringing their Admiralty and Maritime courts ashore and misaddressing American civilians as corporate franchises and foreign persons in their own country.

All of this is in direct violation of both The Constitution of the United States of America and The Constitution of the United States, Article IV, in its entirety.

These men and women are present in our country to provide us with essential government services in "good faith", not to practice crimes of personage against us and pretend that they are our "representatives", custodians, guardians, and trustees.

For those who cannot believe that the Admiralty and Maritime courts presently operating in this country have been used to promote illegal and immoral confiscation of Autochthonous American assets, to commit personage against average Americans, to create a rigged bond market and to provide commissions masked as "pension payments" to the men and women engaged in this criminal activity, we are attaching a 66 page pdf file that adequately explains the Court Registry Investment System (CRIS) and documents its receipts.

[southeastasianists]

In 2023, a significant demographic milestone emerged with broad social and economic impacts: the global population of adults aged 50 surpassed the number of children under 15 for the first time. Brunei Darussalam, a small, oil-rich Islamic country on the island of Borneo in Southeast Asia, faces challenges associated with this shift. Ranked as one of the world’s wealthiest nations due to its vast oil and gas reserves, Brunei’s population of 455,858 sees a contrast with a poverty rate of 5%, positioning it 11th out of 78 countries.

Hajah Nor Ashikin binti Haji Johari, Permanent Secretary at the Ministry of Culture, Youth and Sports (MCYS), highlighted the profound economic impact of the aging global population, noting the substantial expenditures on health care, research and support services. Furthermore, Hajah pointed out the rapid growth of the aging population and its broad implications. During Brunei’s chairmanship of the Association of Southeast Asian Nations (ASEAN) in 2021, Johari emphasized Brunei’s leadership in endorsing the ASEAN Comprehensive Framework on Care Economy.

Additionally, in 2017, an action plan spanning five years was adopted to enhance elderly development, welfare and protection, aiming to create a senior-friendly support system and reduce elderly poverty in Brunei. Unfortunately, an aging demographic compounded by an ominous surge in noncommunicable diseases (NCDs) such as heart disease, cancer, chronic respiratory disease and diabetes challenges Brunei’s socio-economic development.

Addressing Poverty and Social Protection in Brunei

Bruneians who live in poverty prefer to use the phrasings “living in need” and “difficult life” over “poverty” and “poor.” This exchange of phrasings intends to protect an individual’s self-confidence and self-esteem. Yet this preference challenges officials’ attempts to accurately assess the severity of poverty and implement targeted interventions.

However, Brunei’s social protection schemes encounter challenges. These challenges include limited coverage, differential treatment between public and private sectors, exclusion of unemployed individuals and inadequate support for vulnerable groups such as divorcees, widows/widowers, single parents, orphans, the abused and disabled people.

The Dual Impact of an Ageing Society

Across developing countries, evidence showcases the productivity, creativity, vitality and participation of older adults in workplaces, communities, households and families. According to ageInternational, some of the pros of an aging society include:

Consumer Market: Older adults can create new opportunities in the consumer market with higher disposable incomes and specific needs that can drive economic growth.

Accumulated Knowledge: An aging population can possess a wealth of knowledge and experience, beneficial for education and mentorship.

Stable Workforce: Older individuals provide greater stability in employment as they switch jobs less frequently.

In addition, the aging population significantly impacts the labor market. The dependency ratio, which compares the number of economically inactive individuals to those who are economically active, is set to increase. According to the International Labour Organization, some of the cons of an aging society include:

Labor Shortages: Addressing the need to create jobs for young individuals and encourage lifelong learning for older individuals to acquire new skills.

Pension and Retirement Challenges: Ensuring adequate pensions and financial support for retirees.

Limited Social Support Systems: Establishing social support systems, including affordable housing and accessible transportation, to enhance the quality of life.

Health care Costs: Investing in health care infrastructure to meet the growing needs of an aging population and prioritizing preventive health care measures.

Brunei at a Demographic Crossroads

As Brunei Darussalam navigates through its complex demographic and health landscape, proactive and holistic measures become imperative for securing the future prosperity of its people. Moreover, by addressing the multifaceted challenges head-on, Brunei is poised to set a precedent for demographic resilience and health sustainability.

Above all, the nation’s commitment to comprehensive solutions promises not only to enhance the well-being of its aging population and reduce elderly poverty in Brunei but also to pave the way for long-term national growth. At this pivotal juncture, Brunei’s journey offers valuable insights into the power of foresight and action in shaping a thriving society.

– Pamela Fenton

[swarajfinpro236]

Maximizing Savings through Income Tax Planning Services in Jabalpur with Swaraj FinPro

Residing in Jabalpur and seeking avenues to reduce tax burdens? Implementing income tax planning strategies can serve as an investment avenue to retain a larger portion of your earnings.

Through astute financial management and capitalizing on available tax-saving avenues, you can curtail tax obligations and bolster your savings.

Here's a breakdown of how you can minimize taxes through Income Tax lanning Services in Jabalpur:

Familiarizing Yourself with Tax Deductions and Exemptions: The Indian government offers various deductions and exemptions to individuals aiming to mitigate tax liabilities. By scrutinizing your expenditures and investments, you can pinpoint opportunities to claim deductions under sections such as 80C, 80D, 80CCD, etc., of the Income Tax Act. Contributions to schemes like PPF, EPF, life insurance premiums, home loan EMIs, and health insurance premiums are instrumental in reducing taxable income.

Harnessing Tax-Saving Investments: Allocating funds to tax-saving instruments like Equity Linked Savings Schemes (ELSS), National Pension System (NPS), and tax-saving fixed deposits not only aids in tax reduction but also fosters wealth accumulation over time. These investments offer the dual advantage of tax savings and potential returns, making them an appealing choice for individuals aiming to optimize tax planning.

Retirement Planning: Planning for retirement can yield significant tax benefits. Options such as the National Pension Scheme (NPS) and Public Provident Fund (PPF) facilitate systematic tax deductions, offering a tax-efficient approach to building a retirement corpus. These avenues ensure financial security during retirement and provide a steady income stream.

Seeking Guidance from Financial Advisors: Consulting with proficient Financial Advisors in Jabalpur is pivotal in formulating a comprehensive tax-saving strategy tailored to your unique financial scenario. Given the challenge individuals face in allocating a portion of their income to taxes, the Indian government provides diverse options to enhance income retention, secure retirement, and offer flexibility and diversification.

ELSS scheme : ELSS scheme is a great tax saving option under section 80c, allowed by Income tax department aims to save on tax and build wealth in longer term. A very important feature of the ELSS i.e. Equity Linked Saving Scheme is it has lowest lock in period for say only 3 years. If invested lumpsum or one time, it will be available to withdraw just after completing 36 months means complete 3 years. Another good point is it gives much better return than other tax saving options. Third very important aspect of ELSS fund is it's tax efficiency. It attracts Long Term Capital Gains Tax after completing 3 years tenure.

In such equity oriented schemes, Long Term Capital Gains rules are different from debt funds. In such cases, profit upto Rs 100000 is tax free and above Rs 1 Lakh profit, only 10% tax is applicable.

These all features make it a favourable case to save tax through ELSS.

In summary, income tax planning presents abundant opportunities for individuals to optimize tax liabilities and bolster savings. By staying abreast of tax-saving provisions, making prudent investment decisions, and soliciting professional advice, you can efficiently manage taxes while safeguarding your financial future.

Embark on your income tax planning journey today to pave the path for a financially secure tomorrow.

For personalized assistance and expert advice on income tax planning, don't hesitate to reach out to Swaraj Finpro, a premier financial services provider in Jabalpur.

[kfintech]

KFintech NPS - Open NPS Account Online | National Pension System

National Pension Scheme (NPS) is a government-sponsored pension scheme to provide income security for all sector citizens. Apply for National Pension System Online at NPS KFintech.

[shrimoneymatters]

Best Investment Advisory Services in Bhavnagar

ShriMoney Matters offers the best investment advisory services in Bhavnagar ranging from investments in mutual funds, life insurance, medical insurance, bonds, general insurance, NPS, etc. to tailor investment strategies to suit your needs, ensuring that you make informed choices for your future. For more details, visit https://www.shrimoneymatters.com/

[beardedmrbean]

France's Senate has approved a proposal to increase the retirement age by two years, to 64. Senate members voted 201 to 115 in favor of the bill. 

The vote comes against the backdrop of massive strikes and protests that have thrown many sectors into limbo as public sector staff and other workers opposed President Emmanuel Macron's proposal.

What is the deal?

The French government is looking to realign the country's pension system despite strong opposition from labor unions, saying that it is financially unsustainable otherwise. 

On top of pushing retirement age to 64, Macron is seeking to incerase the period of payment required to qualify for a full state pension.

Macron's government argues that the unpopular measures are needed to shore up the scheme for the future. 

Despite clearing the Senate on Thursday, the bill is still bouncing between France's chambers of parliament. 

President Emmanuel Macron'sadjustment of pensions also needs to be approved by the lower house of the French parliament, the National Assembly, where majority support might not be as easy to come by.

The lower house is also working on proposed amendments in the form of a compromise plan that might also be sent to the Senate for a vote. 

Strong opposition

The increase of retirement age and the proposed changes to the pensions face stiff opposition from parts of French society.

Left-wing politicians voiced anger after the Senate voted in favor of the reforms.

"Your name will forever be attached to a reform that will set the clock back almost 40 years," Socialist Monique Lubin told Labor Minister Oliver Dussopt.

Labor unions have promised to increase pressure on the government by calling for mass action by workers across different sectors.

Fuel deliveries, schools, trains, and flights are being disrupted by the demonstrations.

Dock workers have joined strikes in a bid to convince Macron to change his stance on the bill that he has championed in both of his presidential campaigns — he gave up on the proposed reforms amid the onset of the Covid pandemic in his first term. 

Most other European countries have already hiked the retirement age to 65 or over, with France's retirement system among Europe's and particularly western Europe's most generous.