ACF Software | Telenovela

Triunfo del Amor Capítulo 144 telenovela | ACF

2011-05-11T07:58:00.000-07:00

Hello friends I bring The Triunfo del Amor Capítulo 144 Telenovela 2011 youtube online that you can see all of you for your web film subtitling in the company of friends and relatives or neighbors. Video Capitulo 144 of the online Triunfo del Amor in high quality video and sound, and you can download to your

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Triunfo del Amor Capítulo 144 Telenovela 2011
SINOPSIS
Victoria Sandoval, the most successful Mexican fashion designer, recalls the time twenty years ago was hit on purpose by Bernarda, which led to Victoria lost her young daughter. Victoria despite his desire to find never make it. Never again heard from her again.
By a twist of fate, Mary Forsaken, who brings a card Osvaldo, Victoria's husband, asks for work to Victoria, who decides to hire her as a model, knowing that the daughter is much sought. Victoria thinks her husband is being unfaithful to her, so he accepts his candidate, but with the aim of discovering the adultery.
Victoria humiliated and abused all the time Mary Forsaken. Antoinette, who has been with Victoria since she lost the child, it claims to treat the girl so badly. Victoria can not explain the feelings that Mary accused Forsaken, because on the one hand, I would hug her and the other will cause rejection.
Meets Maximilian Maria Forsaken in the fashion house. The boy who is actually hidden. Immediately born among them a powerful attraction that later become a great love. This leads to the girl to surrender to Maximilian.
Shortly after Forsaken Mary discovers she is pregnant and when she comes to tell Maximilian, he steps forward and says he has to marry Jim because she is pregnant, she discovers that Maximilian was cheating and hiding her pregnancy.
Maximilian married life with Jim, it's hell. Jimena especially when an accident caused by accidentally by Maximilian, lost the child she was expecting and start going crazy.
Maximiliano learns that the child she is expecting Maria Forsaken is his and not Alonso, a young photographer who is in love with the girl and wants to marry her and take care of her daughter.
Jim learns that he can never be a mother and then decides to steal his daughter Mary distress caused great suffering on the girl because Jim is willing to give it up for adoption.
Victoria years later, he is reunited with John Paul to whom he complains that his cowardice in not saying goodbye before leaving the seminar, advised that he had a daughter and Bernarda, her mother always knew.
John Paul, now a priest, very outraged Bernard berates his silence feeling from that moment full of guilt and helplessness, but decides to search for her daughter to find her.
About mother and daughter develop a great love story and misunderstanding to overcome obstacles and multiple hundreds of atrocities to end with a kiss and three beautiful words seal the Triunfo del Amor

Triunfo del Amor Capítulo 143 Telenovela | ACF

2011-05-09T08:15:00.000-07:00

Hello friends I bring The Triunfo del Amor Capítulo 143 Telenovela 2011 youtube online that you can see all of you for your web film subtitling in the company of friends and relatives or neighbors. Video Capitulo 143 of the online Triunfo del Amor in high quality video and sound, and you can download to your

computer or PC. This video Triunfo del Amor Capítulo 143 Telenovela 2011 is online and you can watch for free on the link below
Friend of this Capitulo if video Triunfo del Amor Capítulo 143 day, 2011 online does not work or have been removed do not hesitate to let me know I leave a comment and reason.
If you have a new link to download Triunfo del Amor Capítulo 143 online please let me in your comment, thank you very much and enjoy this video, remember that you can watch football games online and online television and other things here
Triunfo del Amor Capítulo 143 Telenovela 2011
SINOPSIS
Victoria Sandoval, the most successful Mexican fashion designer, recalls the time twenty years ago was hit on purpose by Bernarda, which led to Victoria lost her young daughter. Victoria despite his desire to find never make it. Never again heard from her again.

By a twist of fate, Mary Forsaken, who brings a card Osvaldo, Victoria's husband, asks for work to Victoria, who decides to hire her as a model, knowing that the daughter is much sought. Victoria thinks her husband is being unfaithful to her, so he accepts his candidate, but with the aim of discovering the adultery.

Victoria humiliated and abused all the time Mary Forsaken. Antoinette, who has been with Victoria since she lost the child, it claims to treat the girl so badly. Victoria can not explain the feelings that Mary accused Forsaken, because on the one hand, I would hug her and the other will cause rejection.

Meets Maximilian Maria Forsaken in the fashion house. The boy who is actually hidden. Immediately born among them a powerful attraction that later become a great love. This leads to the girl to surrender to Maximilian.

Shortly after Forsaken Mary discovers she is pregnant and when she comes to tell Maximilian, he steps forward and says he has to marry Jim because she is pregnant, she discovers that Maximilian was cheating and hiding her pregnancy.

Maximilian married life with Jim, it's hell. Jimena especially when an accident caused by accidentally by Maximilian, lost the child she was expecting and start going crazy.

Maximiliano learns that the child she is expecting Maria Forsaken is his and not Alonso, a young photographer who is in love with the girl and wants to marry her and take care of her daughter.

Jim learns that he can never be a mother and then decides to steal his daughter Mary distress caused great suffering on the girl because Jim is willing to give it up for adoption.

Victoria years later, he is reunited with John Paul to whom he complains that his cowardice in not saying goodbye before leaving the seminar, advised that he had a daughter and Bernarda, her mother always knew.

John Paul, now a priest, very outraged Bernard berates his silence feeling from that moment full of guilt and helplessness, but decides to search for her daughter to find her.

About mother and daughter develop a great love story and misunderstanding to overcome obstacles and multiple hundreds of atrocities to end with a kiss and three beautiful words seal the Triunfo del Amor

Al Fondo Hay Sitio Capitulo 439 Telenovela | ACF

2011-05-09T08:13:00.000-07:00

Welcome to my friend today, we're bringing Al Fondo Hay Sitio Capitulo 439 Telenovela 2011| Online TV. Capitulo we present another of your favorite telenovela is to look online for free.

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Al Fondo Hay Sitio Capitulo 439 can be seen in this online site for free, enjoy this day of , 2011

SYNOPSIS
The Gonzales family reaches Huamanga Lima, Ayacucho, to live in one of the most exclusive areas of the city, Las Lomas, in a house half-built legacy. Their neighbors, the Maldini family, belonging to a high class and exclusive, resent the arrival of the Gonzales and attempt to evict them at all costs by generating a war between two families. However, despite the conflicts, feelings such as love and solidarity will flourish among its members. The whole story is based on social differences and customs, their habits Gonzales mountain and refinement Maldinis with high social level, there are many situations fights, love, dramas and more situations without leaving aside his comic style and only in the series.
Enjoy the best definition audio and video at high speed. See it on , 2011

Un Año Para Recordar Capitulo 48 Telenovela | Online TV

2011-05-03T05:17:00.001-07:00

The video will be uploaded immediately after TV broadcast

Como Dice El Dicho Capitulo 26 Telenovela | ACF Software

2011-05-02T10:22:00.001-07:00

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Como Dice El Dicho Capitulo 26

El Elegido Capitulo 60 Telenovela ACF Software

2011-05-02T10:13:00.001-07:00

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El Elegido Capitulo 60

Health Insurance Not a Total Solution

2010-12-28T09:55:00.000-08:00

Social health insurance is not a total solution equitable access to health services for the population of Indonesia. It was difficult to apply in remote areas. Therefore, the provision of health services need to be conducted in accordance with the needs in the area.

The remark was made professor of health economics from the Faculty of Public Health University of Indonesia, Ascobat Gani, some time ago in Campus UI Depok. "Each region has a different field conditions. Therefore, health care insurance and health service delivery for each area can not be made uniform

According Ascobat, the current government to guarantee health care for the poor through insurance managed Health Insurance Indonesia (Askes). However, people especially in rural and remote areas, such as in Papua, East Nusa Tenggara, and Kalimantan, difficulty accessing health services because of barriers to transportation and information. As a result, funds provided to finance the health care of poor people are not used optimally.

Ascobat argued, funds allocated for the premiums of poor people in remote areas should be used for operational costs of health services that directly reach the public in the field.

Currently, the government through the Ministry of Health to allocate funds for health services for people in disadvantaged areas, remote, border, and islands. If coupled with poor health insurance funds would be better coverage.

Number of taxpayers subject

2010-12-28T09:49:00.000-08:00

Number of taxpayers subject

Taxpayer Identification Number TIN is commonly abbreviated with the number provided to taxpayers (WP) as a means of tax administration that is used as identification or identity of the taxpayers themselves in exercising their rights and obligations of taxation.
Table of contents

[Hide]

* 1 Application to Obtain TIN
* 2 TIN Registration Procedure
* 3 Function TIN
* 4 Taxpayer Move
* 5 TIN and Removal Requirements
* 6 Issuance of TIN By Position
* 7-Related Sanctions TIN

/ /
Registration To Obtain TIN

* Based on self-assessment system each taxpayer must register with the Tax Office (KPP), or through the Office of Extension and Taxation Potential Observation (KP4) whose jurisdiction covers the place of residence or domicile WP, to be given TIN.
* The obligation to register shall also apply to married women are taxed separately, because of living apart under a judge's decision in writing or desired based on the separation agreement and property income.
* Individual Tax Payer Specific Employers who have different business premises with residences, in addition to mandatory register with the Tax Office whose jurisdiction covers the place of residence, are also required to register with the Tax Office whose jurisdiction covers the place of business conducted.
* Individual taxpayer who does not run a business or independent, when up to a month earn that amount has been exceeded Taxable Income (PTKP) a year, must register no later than the end of next month.
* WP Personal others who need tax ID can apply for a TIN.

TIN Registration Procedure

To get a TIN Taxpayer (WP) completing the registration form and submit in person or by mail to the Tax Office (KPP) or the Office of Extension and Taxation Potential Observation (KP4) local by attaching:

1. To WP Individual Non-Entrepreneurship: Photocopy of Identity Card for the Indonesian population or a photocopy of your passport plus a residence certificate from the competent authority at least headman or village head for foreigners.
2. To WP Personal Entrepreneurship:
1. Copy of ID Card for Indonesian citizens or passport plus a photocopy of residence certificate from the competent authority or the head of the village headman at least for foreigners;
2. Certificate of place of business or professional services from competent agency at least headman or village head.
3. For WP Agency:
1. Copy of deed of incorporation and the latest amendment or certificate of appointment from the central office to the PE;
2. Copy of ID Card for Indonesian citizens or passport plus a photocopy of residence certificate from the competent authority or the head of the village headman at least for foreigners, from one of active management;
3. Certificate of place of business of the authorized institution minimal headman or village head.
4. For Treasurer as collector / Cutting:
1. Copies of ID treasurer;
2. Copy of letter of appointment as treasurer.
5. For the Joint Operation as tax cutters / collectors:
1. Photocopy of the cooperation agreement as a joint operation;
2. Photocopy of TIN of each member of the joint operation;
3. Copy of ID Card for Indonesian citizens or passport plus a photocopy of residence certificate from the competent authority or the head of the village headman at least for foreigners, from one of the administrators joint operation.

1. Taxpayers with the status of branches, a particular individual or married women entrepreneurs do not separate property must attach a photocopy of a certificate is registered.
2. If the petition signed by another person shall be equipped with special power of attorney.

Function TIN

* Facilities in tax administration.
* Signs identifying yourself or Identity WP in exercising their rights and obligations of taxation.
* Included in each tax document.
* Maintain order in the payment of taxes and supervision of tax administration.

Taxpayers Move

In the case of WP moved domicile or place of business move, WP report to the KPP KPP old and new with the following provisions:

1. Individual Tax Payer Usahawan Moving residence or place of business or professional services is a new certificate of residence or place of activity

business or employment of a new free of authorized institutions (village chief or village head)

1. Individual Tax Payer Non-Business, a new residence certificate from village chief or village head, or letter from the leadership of the agency company.
2. Taxpayer Body, Moving the domicile or place of business is the locus of a certificate or a new activity of the village chief or village head.

Elimination of TIN and Requirements

1. WP passed away and did not leave a legacy, required a copy of death certificate or report the death of the competent authority;
2. Women do not marry with the separation agreement and property income, required a marriage certificate / marriage certificate from the civil records;
3. Undivided inheritance in position as the Subject of Taxation. When finished divided, required the completion of information about heritage is shared by the heirs;
4. WP Agency which has been officially disbanded, required by the deed of dissolution is confirmed by a certificate from the competent authority;
5. Permanent Establishment (PE) who for any reason lose its status as a PE, required a petition WP attached documents to support that BUT is no longer eligible to be classified as WP;
6. Personal WP others who do not qualify anymore as a WP.

Issuance of TIN By Position

KPP in a position to issue tax ID, if the taxpayer did not register to be given TIN. When based on data owned by the Directorate General of Taxation was WP eligible to obtain the tax ID of the concerned taxpayer TIN can be issued unilaterally by the Directorate General of Taxation.
TIN-Related Sanctions

Any person who deliberately do not register or misuse or use without authority NPPKP, so that could harm the revenues shall be punished with imprisonment of 6 (six) years and a fine high 4 (four) times the amount of tax payable is not or underpayment.

Type of tax types in the world

2010-12-28T09:46:00.000-08:00

In the review of the terms Institution Tax collector can be divided into two types:
State Tax
* Income tax
* Value Added Tax
* Luxury Sales Tax
* Land and Building Tax

Local Taxes

* Motor vehicle tax
* Taxes radio
* Tax reklame

Tax Function

Taxes have a very important role in national life, particularly in the implementation of development because it is a source of state income tax to finance all expenses including development expenditure. Based on the above items, the tax has several functions, namely:

* The function of the budget (budgetair)

As a source of state revenue, the tax serves to finance state expenditures. To perform routine tasks and implement state of development, the state requires a fee. These costs can be obtained from tax revenue. Today the tax used to finance routine such as personnel expenditure, expenditure of goods, maintenance, and so forth. To finance the construction, the money spent from the savings the government, namely domestic revenues minus expenditures. This government savings from year to year should be increased according to development financing needs of the growing and this is especially expected from the tax sector.

* Function set (regulerend)

Government can regulate economic growth through tax policy. With the function set, the tax could be used as a means to an end. For example, in order that the capital investment, both domestic and abroad, given the various kinds of tax relief facilities. In order to protect domestic production, the government established a high import duty for foreign products.

* Function stability

With the tax, the government has the funding to carry out policies relating to price stability so that inflation can be controlled, this can be done, among others, by regulating the circulation of money in society, tax collection, the use of effective and efficient tax.

* The function of income redistribution

Taxes are levied by the state will be used to finance all the public interest, as well as to finance the construction so as to open employment opportunities, which in turn can increase people's income.
Terms of collecting taxes

It is not easy to impose taxes on the community. If too high, people will be reluctant to pay taxes. But if too low, then the development will not run because of the loss. In order not to cause a variety maswalah, then taxation must meet the requirements, namely:

* Withholding tax must be fair

As with any tax law product has the objective to create fairness in terms of tax collection. Fair and equitable legislation in implementation.

For example:

1. By regulating the rights and obligations of taxpayers
2. Tax applied to every citizen who qualifies as a taxpayer
3. Penalties for violations of generally applicable taxes in accordance with the severity of violations

* Setting the tax should be based on law

In accordance with Article 23 UUD 1945, which reads: "Taxes and duties are regulated by the state for the purposes of the Act", there are some things that need to be considered in the preparation of legislation on taxes, namely:

* Withholding taxes done by a state based on law should guarantee the smoothness
* Assurance of law for the taxpayers to not be treated in general
* Warranty will be maintained kerasahiaan law for taxpayers

* Tax levy does not interfere with the economy

Tax collection must be arranged in such a way so as not to interfere with economic conditions, both activities of production, trade, and services. Withholding taxes not harm the public interest and hamper the speed of business taxes supplier community, especially small and medium communities.

* Withholding tax must be efficient

The costs incurred in connection with tax collections should be taken into account. Do not let the tax received is lower than the cost of such tax. Therefore, the tax collection system should be simple and easy to implement. Thus, taxpayers will not experience difficulties in tax payments both in terms of computation and in terms of time.

* The system of tax collection should be simple

How the tax collected will determine success in tax levies. Simple system will allow taxpayers to calculate the tax burden that must be financed so that it will provide to positive for the taxpayers to increase awareness of tax payment. Conversely, if the tax collection system is complicated, people will be increasingly reluctant to pay taxes.

Example:

* Simplified stamp duty rates range from 167 to 2 kinds of tariff
* Rates of VAT to various simplified to just one rate, namely 10%
* Taxes and individuals to corporate income tax for individuals to be simplified income tax (income tax) that apply to agencies or individual (personal)

The principle of voting
The principle of tax collection in the opinion of experts

In order to achieve the goal of tax collections, some experts argued about the principle of tax collection, among others:

Adam Smith, founder of the theory of The Four Maxims

1. According to Adam Smith in his Wealth of Nations with the teachings of the famous "The Four Maxims", the principle of taxation is as follows.

* Principle of Equality (principle of balance with the ability or the principle of justice): collection of state taxes must be in accordance with ability and income taxpayers. State must not act discriminatory against the taxpayer.

* The principle of certainty (the principle of legal certainty): all tax levies should be based on law, so for those in violation will be punishable by law.

* The principle of convinience of Payment (principle of taxation at the exact time or the pleasure principle): the tax should be levied at the right time for tax evaders (the best time), for example when a new taxpayer receives income or when the taxpayer receives a gift.

* Effeciency principle (the principle or the principle of economic efficiency): the cost of tax collection cultivated economically, not to place the cost of higher tax collections from tax collections.

2. According W.J. Langen, the principle of taxation is as follows.

* The principle measures of power: the size of the tax collected should be based on the size of income tax payers. The higher the income the higher the taxes charged.

* The principle of benefit: the tax levied by the state should be used for activities that benefit the public interest.

* The principle of welfare: the tax levied by the state be used to improve the welfare of the people.

* The principle of equality: in the same condition between taxpayers with one another should be taxed the same amount (treated equally).

* The principle of minimum burden: tax collection sought the smallest (as low as) if dibandinglan sengan value of tax object. So it does not incriminate the taxpayers.

3. According to Adolf Wagner, the principle of collecting pahak are as follows.

* Finalsial political principle: the amount of taxes withheld memadadi country so as to finance or encourage all state activities

* The principle of economics: the determination of the tax object to be precise example: income taxes, taxes on luxury goods

* The principle of justice that is applicable in general tax levy without discrimination, for the same condition are treated the same as well.

* The principle of the administration: a matter of certainty of taxation (when and where it must pay taxes), billing flexibility (how do I pay for it) and the amount of tax expense.

* The principle of juridical all tax levies should be based on the Act.

The principle of the imposition of tax

In order for countries to impose taxes to its citizens or to individuals or other entities who are not citizens, but have a relationship with that country, of course there should be provisions that govern them. For example in Indonesia, is expressly stated in Article 23 paragraph (2) of the Act of 1945 that all taxes to finance state set according to the law. To be able to arrange a tax laws, necessary principles or foundations that will be used as basis by the state to tax.

There are some principles that can be used by the state as a principle in determining its authority to tax, especially for the imposition of income tax. The main principle is most often used by the state as the foundation to tax is:

1. The principle is also called the principle of domicile or residence (domicile / residence principle), based on this principle the state will impose a tax on income received or accrued by the individual or entity, if for purposes of taxation, the individual is a resident (resident) or domiciled in the country it or if the agency concerned is domiciled in that country. In this regard, no question of where the income will be taxed is derived. That is why the countries that follow this principle, the system of taxation of its residents will incorporate the principle of domicile (residence) with the concept of taxation on income earned both in that country as well as income earned outside the country (world-wide income concept) .
2. The principle sources, the State adheres to the principle source would impose a tax on income received or accrued by the individual or entity only if the income to be taxed was obtained or received by an individual or entity in question from sources that are in the country. In this principle, not a question of who and what the status of the person or entity who received such income because the tax base knowl ¬ tion is subject to income tax arising or originating from that country. Example: Foreign workers working in Indonesia, then the income earned in Indonesia will be taxed by the government of Indonesia.
3. The principle of nationality or principle is also called the principle of nationality or citizenship (nationality / citizenship "principle). In this principle, which became the basis for taxation is the citizenship status of persons or entities that generate revenue. Based on this principle, it is not a problem from which the taxed income that would come from. As with the principle of domicile, taxation system based on the principle of nationality is done by ¬ bungkan incorporate the principle of nationality with the concept of taxation of world wide income.

There are some basic differences between the principle of domicile or residence and the principle of nationality or citizenship on the one hand, the principle source on the other. First, in both the first-mentioned principle, the criteria used as a basis for state authority to tax is the status of a subject that will be taxed, ie whether the respective status as resident or domiciled (in principle domicile) or status as citizens (the principle of nationality) . Here, the origins of income tax which the object is not so important. Meanwhile, on the principle source, which became the foundation is the status of its object, namely whether the object to be taxed sourced from that country or not. The status of the person or entity acquiring or receiving income not so important. Second, in both the first-mentioned principle, the tax will be charged against income earned anywhere (world-wide income), while the principle source of income may be taxed only on income-limited to income derived from sources that exist in the country concerned.

Most countries, not only adopt one principle only, but to adopt more than one principle, can be combined with the principle source of domicile principle, the principle of nationality combined with the principle of source, can even combined all three at once.

Indonesia, the provisions contained in Act No. 7 of 1983 as last amended by Act No. 10 of 1994, particularly those regulating the subject of taxes and subject to tax, it can be concluded that Indonesia adheres to the principle of domicile and the principle sources at once in the taxation system. Indonesia also adheres to the principle of citizenship is partial, that is specialized in the provisions regulating the tax exemption for an individual subject.

Japan, for example, to individual who is resident (resident individual) using the principle of domicile, which according to this principle is a resident of Japan is obliged to pay income tax on all earned income, whether earned in Japan or outside Japan. Meanwhile, for non-residents (non-resident), Japan, and agencies of foreign enterprises are obliged to pay income tax on any income derived from sources in Japan.

Australia, for all state-owned enterprises and private, located in Australia, be taxed on all income derived from all sources of income. Cement ¬ while, for the foreign business entity taxable only on income from sources in Australia.
The theory of voting

According to R. Brotodiharjo Santoso SH, in his book Introduction to Tax Law, there are several theories that underlie the existence of tax collections, namely:

1. The theory of insurance, according to this theory, the state has a duty to protect its citizens from all the interests of safety both soul and safety of their possessions. For the protection of the necessary costs like the insurance agreement deiperlukan to the payment of premiums. Tax payment is considered a premium payment to the state. This theory banyajk contested because the state should not be equated with insurance companies.
2. The theory of interest, according to this theory, the basis of tax collection is the interests of each citizen. Including interests in protecting life and property. The higher the interest rate protection, the higher the tax to be paid. This theory is widely repudiated, because in reality that level of protection of the interests of poor people is higher than the rich. There are social security protection, health, and others. Even people who are poor it exempt from income tax.

Tax justice is obligatory in the know by attorney

2010-12-17T07:36:00.000-08:00

With the rapid development of Technology in all fields, encourage entrepreneurs to actively trade in the Trade. Events Employers, whether in person or through legal entities, is an invaluable incentive for the way the wheels of government. Incentives provided by the Employers to the Government a contribution as well as the source for entrepreneurs to the state. Creative entrepreneurs are recorded and periodically deposit the Tax to the Government as a form of citizen participation.
Taxation is a source of Government revenue derived from the activities of its citizens, and on the other hand the Government to prepare the media for the entrepreneur and open the widest opportunity for entrepreneurs to run the national economy.

Settings by taxation from day to day developed very quickly, so the mechanism of taxation in each country are very different.

Tax justice is one of the containers are made to provide the opportunity for citizens to carry out the defense and settlement of all tax problems that arise.

Life Insurance Benefits

2010-12-16T09:54:00.000-08:00

Life insurance can represent mutual need between life insurance companies with policyholders. On the one hand, when the policyholder to pay premiums according to the procedure, the time he got the advantage of validity for themselves the maximum protection.
On the other hand, adherence to policy holders to pay premiums generate profits for life insurance companies because premiums can be collected according to the plan and its accumulation can be managed optimally.

What happens when the policyholder does not perform its obligations properly? When in question does not continue to pay premiums in the second year, he was piling up potential losses. He escaped from the Life Insurance protection if she experiences an unexpected event, such as accidents or death.

Life insurance companies suffered losses when the policyholder did not carry out its obligations properly. The calculative, new life insurance company could achieve cumulative benefits when the policyholder enters its fifth year of its obligation to pay premiums. That is why the premium payment stops before it can cause harm to the company's Life Insurance.

Deciding wisely in
Emphatically, I want to convey two important ideas that could be a material consideration for you as a prospective policyholders, before you execute the purchase of various life insurance products.

First, before deciding to buy a particular insurance product, make sure that you have a priority purchase of an insurance product, among the various products available. If you feel that the cost of school your kids in the future become a significant requirement, consider wisely that your needs are primary education is an insurance product. Conversely, if you pay more attention to safety aspects in the work and business, make sure that your choices are primarily health insurance.

Consideration of these priorities can allow you to place the allocation of premium payments as a major requirement that the amount of premium can be accommodated from the income you get. This step can reduce, even eliminate the risk of failure to pay premiums in the middle of the road.

Second, do a careful calculation of the ratio of the cost of premiums with the amount of your income. Proportionally, whatever your payment scheme, should be your expenses for the allocation of premium payments in the range up to 10 percent of your income. In this way, you can avoid the risk of failure to pay premiums.

I submit these considerations may be a consideration for you. Even more essential, it was you who know the priority needs in terms of buying insurance products. You also understand how much your ability to allocate some funds to pay life insurance premiums. That is why, remains the best decision in your hands.

Should be, the allocation of premium payments should you spend does not become a burdensome financial burden! Instead, through the protection contained in the products you buy insurance, the insurance premiums you pay can actually lighten your burden in the future. In essence, you get protection and life insurance companies have repeatedly payment, so that all parties to gain the maximum benefit and mutual benefit.

Pay taxes in the UK is cheaper than paying taxes in Indonesia

2010-12-16T09:49:00.000-08:00

Let us try to calculate our taxes if we live in the UK (United Kingdom) and if we lived in Indonesia.
(GBP is the currency of England, Great Britain Pounds Sterling)
To calculate the amount of tax you have to pay we can use an online tax calculator found on the Internet
For UK tax calculator is on http://listentotaxman.com/
and for tax calculator Indonesia is on http://www.laporpajak.com/laporpajak/

We can assume our monthly salary of
1. Rp4.000.000 or at GBP250
2. Rp8.000.000 or at GBP500.
3. Rp15.902.500 or for GBP1000.
4. Rp30.000.000 or registration GBP1886.5 (about AED10000 rate 1 AED = Rp3000)
5. Rp60.000.000 or registration GBP3773.1 (about AED20000 rate 1 AED = Rp3000)

First, we try to calculate the tax in the UK
1. open http://listentotaxman.com/
2. Select Tax / year 2008/09
3. Choose Married
4. Under Age 65
5. Other Allowances / deductio ns 0
6. Tax Code 0
7. Pension 0
8. Gross income every -> enter the month, is 500 or 1000 or 1572 or 3144, according to our assumptions above
9. Click Calculate

The amount of tax to be paid is on the right column, the cell Total deductions, see the Monthly
To GBP250, tax GBP0 (zero not pay taxes)
To GBP500, tax GBP4, 95 or Rp78.715
To GBP1000, tax GBP159, 37 or Rp2.534.325, 73
To GBP1572, tax GBP434, 18 or Rp6.904.395, 72
To GBP3773, tax GBP1.049, 42 or Rp16.688.034, 8

Second
Now we try to calculate our taxes in Indonesia,
1. open http://www.laporpajak.com/laporpajak/
2. click tax calculator
3. Enter salary subject to tax
4. Enter the employee remains subject to tax
5. Enter the recipient's personal income in the country
6. Enter the status of marriage -> marriage
Number of children: 0
Salary per month: USD 4000000, according to our assumptions on
7. Enter your contribution / month = 0
8. Click count

Total taxes per MONTH
To Rp4.000.000 is Rp382.950
to Rp8.000.000 is Rp721.300
To Rp15.902.500 is Rp2.552.791, 67
To Rp30.000.000 is Rp7.299.700
To Rp60.000.000 is Rp17.799.700

From the above calculation results
Only the salaried GBP1000 or Rp15.902.500 pay an amount almost equal in both countries and remains still height in Indonesia

Tax Refund Over Payment

2010-12-16T09:44:00.000-08:00

Refund of the overpayment (refund) occurs when the amount of tax credits or tax paid is greater than the amount of tax payable or tax payments have been made that should not be payable, with taxpayer records had no other tax debts.
Procedures for Tax Refund Over Payment
In the event that the amount of tax credits or tax paid is greater than the amount of tax payable Taxpayers (WP) may apply for restitution to the Director General of Taxes through the Tax Office (KPP), a taxpayer is registered or domiciled.

Director General of Taxation after examination of the application for refund of the overpayment, issued a Tax Overpayment (overpayment) in the case:
• Income Tax, if the tax credit amount is greater than the amount of tax payable;
• Value Added Tax, if the tax credit amount is greater than the amount of tax payable. If there is a tax levied by the collector of Value Added Tax, the amount of tax payable is calculated by deducting the amount of output tax to the tax levied by the Value Added Tax collector, or;
• Sales Tax on Luxury Goods, if the amount of tax paid is greater than the amount of tax payable.

Overpayment issued by the Director General of Taxes no later than 12 (twelve) months from receipt of complete application letter.

If within a period of 12 months from the request for restitution, the Director General of Taxation did not give a decision, the applicant considered to be granted, and overpayment issued no later than 1 (one) month after the period ends. If the overpayment was published too late, the taxpayer provided benefits interest of 2% (two percent) per month calculated from the expiry of 1 (one) month to date issued Letter of Tax Overpayment.
In terms of tax payments that should not be payable

The tax should not have tax payable is paid by the taxpayer which was not subject to tax payable or errors that result in cutting or collecting taxes withheld or collected is greater than the tax that should be withheld or collected under the provisions of tax legislation or not a subject to tax.

Taxpayer (WP individual and entity, including individuals who do not have a TIN) can apply for restitution to the office of the Director General of Taxes through KPP where WP is registered or domiciled, if something goes wrong on the tax payment that should not have owed taxes. A letter of application should enclose:
a. Original proof of tax payment;
b. Calculation of tax that should not be payable; and
c. The reason for the tax refund request should not be payable.

WP withheld or collected (income tax, VAT and luxury sales tax) may apply for restitution to the office of the Director General of Taxes through KPP place WP withheld or collected through KPP registered or where the levied tax Taxable confirmed with record income tax and VAT and luxury sales tax cut or collected has not been credited or expensed. A letter of application should enclose:
a. Original proof of deductions / tax collection;
b. Calculation of tax that should not be payable; and
c. The reason for the tax refund request should not be payable.

WP who perform cutting or harvesting can apply for restitution to the office of the Director General of Taxes through KPP where WP is doing cutting or collecting registered or Taxable Entrepreneur who did polling confirmed, if something goes wrong or tax cuts that do and those who withheld or collected is :
• individuals who do not have a TIN;
• subject to foreign tax, or
• application of the provisions contained errors by cutting or harvesting unless WP is doing cutting or harvesting can not be found which is caused partly because of the dissolution of the business.

A letter of application should enclose:
a. Original proof of tax payment;
b. Calculation of tax that should not be payable;
c. The reason for the tax refund request should not be payable; and
d. Letter of authorization from the taxpayer deducted or withheld to the conduct cutting or harvesting or Taxable Entrepreneur who did polling.

Director General of Taxation conducted a study on the tax refund request should not be payable within a period of maximum 3 (three) months from receipt of complete application for WP and publish overpayment if the results of these studies found that tax payments should not be payable.

If there is no research that should not owed taxes, the Director-General of Taxation shall notify in writing to the taxpayer.
Preliminary Excess Tax Refunds

Taxpayers who meet certain requirements that can be given refund of tax overpayments are:
a. Individual taxpayers who do not run businesses or independent;
b. Individual Taxpayer is engaged in business or professional services with a total circulation of the business stated in the individual income tax returns of less than Rp1.800.000.000, 00 (one billion eight hundred million rupiahs) and a number of more pay less than 1,000,000, 00 (one million rupiah) or at most 0.5% (half percent) of the total circulation of business listed in the individual income tax returns;
c. Taxpayers with a total circulation of the business entity listed in the top individual income tax returns 5,000,000,000, 00 (five billion rupiah) and a number of more pay less than 10,000,000, 00 (ten million rupiahs); or
d. Taxable Entrepreneur lodges The Value Added Tax with the total submission to a Tax Period of Rp 400,000,000.00 (four hundred million rupiah) and at most pay the amount over USD $ 28,000,000.00 (twenty eight million dollars .)

On request for the refund of the overpayment from the taxpayer who meets certain requirements, head of the KPP conduct research on:

* Completeness of SPT and annexes;
* Truth writing and tax calculation;
* Truth tax payments made by the WP; and
* Truth address listed in the SPT SPT or change of address.

and issued a Preliminary Excess Tax Returns within 3 (three) months from receipt of complete applications for income tax and no later than 1 (one) month after receipt of complete application for Value Added Tax.

In the event that research results do not declare an overpayment, the attachment SPT incomplete, incorrect tax payments, or addresses do not match those listed in the SPT or by notice change the address so that the Decree of the Preliminary Excess Tax Refunds are not issued, the Chief must notify in writing KPP to WP.

Tax Debt and billing

2010-12-16T09:40:00.000-08:00

Director General of Taxes may make tax collection actions, if the amount of tax payable by virtue of Tax Collection (STP), Letter of Tax Underpayment (underpayment), and Letter of Additional Tax Underpayment Assessment (assessments), and the Decree of Correction, Decision on Objection , Decision of Appeals, and Judicial Review verdict that caused the amount of accrued tax increases, which no tax is paid by the Insurer within the periods specified in the taxation legislation.

Taxation legislation provides that STP, tax assessments, and assessments and the Decree of Correction, Decision on Objection, Judgement Appeal and Judicial Review Verdict, which increased the tax to be paid to grow, must be repaid within a period of 1 (one) month date issued, except for small businesses and WP WP on certain areas in accordance with the provisions of tax legislation, the term of repayment can be extended to more than 2 (two) months.

Collection Letter Land and Building Tax (STPPBB), an assessment of Customs Acquisition of Land and Building Underpayment (SKBKB), an assessment of Customs Acquisition of Land and Buildings Less Pay Supplement (SKBKBT), as well as Customs collection letter for land acquisition and Building (STB), and the Decree of Correction, Decision on Objection, Judgement Appeal and Judicial Review Verdict, which causes the number of Customs Acquisition of Land and Building to be paid to grow, must be repaid within a period of 1 (one) month from the date received by WP.

In the case of WP objections to tax assessments or assessments, the tax payment period for the amount of unpaid taxes at the time of filing an objection for tax that is not approved in the final discussion of examination results, tertangguh up to 1 (one) month from the date of issuance of such decision.

In the case of WP appeal the decision letter objection in connection with tax assessments or assessments, tertangguh tax repayment periods up to 1 (one) month from the date of issuance of Appeal Decision.

Tax Billing Action
If the tax debt until the maturity date the payment is still outstanding, tax collection will be taken as follows:
a. Letter of Reprimand

1. In the case of WP does not accept partial or total amount of taxes accrued in the final discussion of examination results and WP did not appeal the tax assessment or assessments, the taxpayer submitted Letter of reprimand after the 7 (seven) days from the due date for filing an objection,

2. In the case of WP does not approve some or all of the amount of taxes accrued in the final discussion of examination results, and the taxpayer filed an appeal against the decision letters in connection with tax assessments or assessments, the taxpayer delivered warning letter after 7 (seven) days from the due date of filing appeal;

3. In the case of WP does not approve some or all of the amount of tax is still paid in the final discussion of examination results, and filed an appeal against the decision letters in connection with tax assessments or assessments, the taxpayer delivered warning letter after 7 (seven) days from the due date of tax payment still be paid under the Decision of Appeals;

4. In the case of WP approve the entire amount of taxes accrued in the final discussion of the results of the examination, the taxpayer submitted Letter of Reprimand after 7 (seven) days from the due date of repayment;

5. In the case of WP withdraw appeal against the tax assessment or assessments after the due date but before the date of payment is received the Notice to Appear by WP, the WP letter of reprimand delivered after 7 (seven) days from the date of revocation of such appeal; and

6. In order Billing Tax on Land and Building debt and / or Customs Acquisition of Land and Buildings which are listed in STPPBB, SKBKB, SKBKBT, STB or Decree of Correction, Decision on Objection, or Decision of Appeal, which increased the tax to be paid increased , submitted letter of reprimand to the WP after 7 (seven) days after the date of redemption.

Submission of Letter of Reprimand may be done in person, by post or through courier or courier service with proof of mailing.
b. Forced Letter

Tax debt after the 21 (twenty one) days from the date of Letter of Reprimand is not outstanding, the published letter that notified by the bailiff Forced Taxation burdened with costs of collection of taxes by Letter Forced Rp 50,000, 00 (fifty thousand rupiah). Tax debts must be repaid within a period of 2 x 24 hours after the letter Forced Taxation notified by the bailiff.
c. Sita Letter

Tax debt within 2 x 24 hours after the letter Forced Taxation notified by the bailiff was not outstanding, the bailiff can tax foreclosure action, with the burdened cost of Conduct Warrant Seizure of Rp 100.000,00 (one hundred thousand rupiah).
d. Auction

In the short term at least 14 (fourteen) days after the foreclosure action, tax debt has not been paid will be continued with the announcement of the auction through the mass media. Announcement of auction to move goods made 1 (one) time and to move goods not made 2 (two) times. Sales by auction through the State Auction Office for goods was seized, held for a minimum of 14 (fourteen) days after the auction announcement.

In terms of costs of collection of forced and unpaid fees of foreclosure will be charged together with the cost of advertising for auction announcements in newspapers and auction fees at the time of auction.

Notes
Goods with a value of at most Rp.20.000.000, - do not be announced through the mass media.
Taxpayer Rights / Insurer Tax

Tax Payer / Insurer is entitled Tax:
a. Asking tax bailiff bailiff shows Tax Identification Card;
b. Receive a copy of letter and copy of the Minutes Forced Foreclosure;
c. Determining the order of goods to be auctioned;
d. Before the auction, the Tax Payer / Insurer Tax given last chance to pay off tax debts including foreclosure fees, advertising and auction cancellation fee and report to the Chief KPP settlement concerned;
e. Auction is not conducted if the Tax Insurers pay the tax debt and the cost of tax collection prior to the auction.
Taxpayer Liability / Tax Insurers

a. Assist Tax bailiff in performing their duties:
- Allow the tax bailiff entered the room, place of business / residence WP / Insurer Tax;
- Give oral or written statement is needed.
b. The confiscated goods are prohibited transferable, dihipotikkan or leased.
Billing expired

The right to collect taxes, including interest, penalties, increase, and costs of collection of taxes, expired after a period exceeding 5 (five) years from the issuance of tax collection, assessment letter, Additional assessment letter, and the Decree of Correction, Decree Objection, Decision, and Decision restatements.

The tax billing tertangguh expired if:

1. Forced issuance of Letters;
2. the recognition of tax debt from the taxpayer, either directly or indirectly;
3. Letter issued tax assessment and tax assessments for underpayment Additional Taxpayer after a period of 5 (five) years is convicted of a crime in the area of taxation or other offenses that could result in losses in state revenue based on court decisions that have permanent legal force.;
4. Conducted criminal investigations in the field of taxation.

Car Insurance In the United States

2010-12-14T11:01:00.000-08:00

Along with the tendency of increasing traffic density and tindakana crime on the highway, it also increases the tendency of the disaster who terjdinya menygkut your car, from which relatively mild, such as hit, scratched, pecongkelan rearview mirror, through which heavy like collisions, motor vehicle theft and even robbery .

Car Insurance In the United States, like almost all other countries, is an obligation to buy insurance before mobl and other vehicles driving public streets. If you want to save money on your Car Insurance then there are some thing you should know and do.

First, find out what it covers or what protection you will get. People generally buy insurance to protect from kerugiaan car repairs due to vehicle accidents. Car insurance.

Second, take the opportunity which offered discounts on car insurance if you are, for example, a student, over the age of 50 years, a driver who healthy.
Insurance premiums will vary depending on various factors, and some of the other such vehicle type and intended use of the vehicle. Also, some insurance offers more protection than the others and includes different class / stage.

Get as much information from other insurance companies and do as much research before buying any policy. Some information can be obtained directly (online), and defiantly should be no reason whatsoever to take decisions without explanation.

You can also obtain an explanation from the local insurance office in your country.
Some tips that must be remembered are:

1. Be wary of offers from door to door and offer from the insurance over the phone

2. Do not give identification number (ID), a private insurance company's off-you to you know.

3. Make sure in advance who will be selected insurance including car insurance category who have got prediket Best General Insurance, Indonesian Best Brand Award, Indonesian Customer Satisfaction Award. Because with this certification are clearly indicates that this insurance is reliable, trustworthy, and proven responsibility in serving the customer claims

Free download game Drakensang - Dilogy 2010 MULTi2 RePack by mefist00

2010-12-14T10:51:00.000-08:00

Drakensang - Dilogy 2010 MULTi2 RePack by mefist00 | 5.5 GB

Genre: RPG/3D/3rd Person | Developer: Radon Labs | Platform: PC
Drakensang: The Dark Eye: The peace and quiet city Ferdok covered horror. Brutal and seemingly senseless killings have forced people to hide behind strong walls. Growing conspiracy, in the vicinity of a mysterious archmage, and who knows what they have devised a powerful priests of the cult Hesinde. Four brave characters to fight with many enemies, plans to open the dark forces and to investigate the mysterious mountain plateau Drakensang.Before you - the revival of the genre! The game is based on the most successful series of German desktop role-playing games - Das Schwarze Auge. Decently partially forgotten canons of role-playing game returns with the epic adventure squad of heroes. In total in the game are about twenty different classes, with nine of them have a variety of special expertise. Advanced role-playing component and numerous opportunities for the development of characters specially adapted and simplified in comparison with the desktop version of the game. Dialogues with the NPC plays an important role and are directly dependent on the different skills and abilities of the characters.
Features:
? Computer incarnation of the famous board role-playing system
? A huge system of creation and development of characters
? A fascinating story - a whirlpool of conspiracies, secrets and brave deeds
? The colorful splendor of a truly magical world
? Original English sound system, subtitles and texts in Russian
System requirements:
? OS: Win XP/Vista/7
? Processor: Pentium ® 4 2.4 GHz or equivalent Athlon ® XP
? RAM: 1 GB
? Video: 256 MB compatible with DirectX ® 9.0c (GeForce 6600 or Radeon X1300)
? Sound Card: DirectX 9.0c compatible
? HDD: 8,5 GB
Drakensang: The River of Time: Magical World of Aventura is on the verge of bloody civil war. In the Empire is brewing a conspiracy which involved powerful nobles, knights and powerful magicians. Empire will be under threat unless there is someone who challenged them.
Assemble the unit loyal companions and go on an exciting journey full of dangers and Waters of the Great River. Explore uncharted land, find new allies, do everything for that to get to the origins of the conspiracy. Stop those who threaten the future of the Empire and sow discord in its lands. Aventura awaits its heroes!
Features:
? An exciting storyline, hundreds of non-linear quests and NPC.
? 22 unique classes and a huge selection of specialized characters.
? Over 500 items to equip.
? Ability to make their own armor, weapons and potions.
? Fully-voiced dialogue game, in the record which involved more than 80 actors.
? Bonus: More story Campaign "Secret Fileassona" whose action takes players to 3,000 years ago in ancient Aventura.
System requirements:
? OS: Win XP/Vista/7
? Processor: Intel Pentium clocked at 2.4 GHz
? RAM: 1 GB (XP) / 2 GB (Vista / 7)
? Video: 256 MB compatible with DirectX 9.0c (SM 2.0)
? Sound Card: DirectX 9.0c compatible
? HDD: 6,7 GB
Features RePack:
? Repak without losing quality
? Cut Advertising
? Author RePack - [mefist00]

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Prince Of Persia The Sands Of Time 2010 DVDRip

2010-12-14T10:43:00.000-08:00

Prince Of Persia The Sands Of Time 2010 DVDRip

Prince Of Persia The Sands Of Time 2010 DVDRip
Language: English | 01:55:53 | 1280 x 528 | h264 2123Kbps | 23.976 fps | ac3 342Kbps | 1.39 GB
Genre: Action | Adventure | Fantasy | Romance | Fresh links
Adopted from the streets of Nasaf by King Sharaman of Persia, young Dastan grows up amongst royalty and quickly earns his place as a mighty warrior and prince. As his brothers Garsiv and Tus plan battle strategies, a spy sends word that the Holy City of Alamut has been supplying weapons to enemies of Persia. Taking matters into his own hands, Tus orders an attack on the sacred city and upon its fall Dastan encounters the beautiful Princess Tamina. When King Sharaman dies under mysterious circumstances shortly after, and Dastan is accused of his murder, he flees with the princess on a harrowing mission to clear his name. Learning from Tamina the true motives behind Alamut's invasion, Dastan must embark on a perilous quest to stop an evil masterminds plot for ultimate power with a mystical weapon that can control the very fabric of time.

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21 auto insurance 83.81 US$

2010-12-05T09:10:00.000-08:00

As we know every people never expect disaster, but in reality always comes unexpected tragedy and can not be avoided, so that required a solution that can anticipate the risks and mitigate losses from disasters that have occurred.
Along with the trend of increasing density of traffic and crime measures on the highway, it also increases the likelihood of accident involving your car, from a relatively mild, such as hit, scratched, pencongkelan rearview mirror, until the weight of such collisions, motor vehicle theft and even robbery .

For that to meet the needs of security, you can choose a car insurance product that can provide protection against risks that may occur on your car.

It is usually a concern when choosing car insurance is the ease of claims and workshop partners used the insurance company at the time of claim. For that we provide a choice of insurance company has an extensive network of authorized workshops ATPM and its associates and ease in making claims wherever you are.

Obama Proposes Tax Cut $ 100 Billion

2010-11-30T04:50:00.000-08:00

United States President Barack Obama will propose a tax subsidy business sector worth U.S. $ 100 billion and apply permanent. President Obama's government hopes that subsidies will boost the country's economy is still weakening.
The Government will provide facilities to the companies that enhance and expand research and development, the company that developed the technology in the country, as well as companies that maintain the number of workers in the country.
Expose Obama's policy proposals will be forwarded on its way to Milwaukee and Cleveland, on Wednesday.

United States impose tax subsidies since 1981 as a temporary policy. Tax subsidies in the field of research has been repeatedly extended by Congress. Last renewal period runs out in December 2009, and the proposed extension are still stuck in the Senate.

Professor of Economics, University of California, Laura Tyson, who is also a member of Obama's economic advisory team, said the partial exemption of income tax and the tax cuts permanent for research and development should be a priority in current economic conditions.

"We agree America needs policies that create jobs. The deficit now is not the main issue," Tyson said in an interview with CBS television.

Tyson added that the main issue is the recent economic slowdown and lack of employment opportunities that required the right policy priority on job creation.

This time the White House did not request such a large fund last year, which reached U.S. $ 814 billion, for an economic stimulus, because Congress apparently was not too supportive of government stimulus spending large amounts. Moreover, Obama's new proposal overshadowed the election of members of Congress on November 2.

Obama this week also will visit Wisconsin and Ohio, which is affected by the severe recession. Both locations are also a political battle for Democrats to win congressional elections.

Economic policy proposals emerged after the United States Department of Labor announced a growing number of 54 thousand people unemployed last month and the unemployment rate rose to 9.6 percent.

Although the number of newly unemployed was smaller than Wall Street economists forecast of 120 thousand people, employment is not sufficient to absorb the unemployed it.

Obama in the Rose Garden last week said that the stimulus that had previously not given enough. Therefore, it takes additional steps to create jobs and maintain economic growth, including tax cuts for the middle class.
Besides proposing the tax subsidies for businesses, Obama continues to urge the Senate approved the use of funds amounting to U.S. $ 12 billion to small businesses and U.S. $ 30 billion to help the credit disbursement in the sector.

European Commission Proposes New Tax System

2010-11-30T04:48:00.000-08:00

The European Commission proposed the imposition of value added tax which covers the whole of Europe as part of budget funding reform the European Union (EU) in the future. However, the idea was expected to bring opposition from members of the EU.
The proposal aims to improve the ability of the EU in realizing his desire to have its own budget in 2014-2010 so as to reduce the contributions of its members. So far, nearly 75 percent of the total budget of 123 billion euros in 2010 financed from EU member.

For 2011, yesterday, although opposed many countries due to a tightening budget obligations, the EU Parliament agreed to increase the EU budget in 2011 amounted to 5.9 percent from this year's budget, amounting to 130.1 billion euros or the equivalent of 179 billion U.S. dollars. The budget as proposed by the European Commission.

The majority of EU member governments had agreed to just 2.9 percent budget increase. Some other countries actually requested budget increase was not necessary. "The financial system is slowly EU currently has baffled and cloud the budget contributions of member states, including correction and trimming," said a statement the European Commission on Wednesday (20/10).

EU executive officers filed a number of new measures to collect funding, including participating in financial transactions tax, permit expenditure of gas emissions causing the greenhouse effect, or withdrawal of funds from air transport. In addition, the European Commission proposed the procurement of other value-added tax, such as energy taxes or corporate income tax EU.

The tax proposal must be approved by 27 EU member states and the European parliament. However, the idea of a European tax opposed by a number of major economies in the region, including Britain, France, and Germany, for reasons of recession and debt crisis that forced the EU member states to cut budgets and raise taxes.

"The UK agrees with the number of steps to facilitate the funding of the EU budget. But, we will not agree with the idea of a new tax provision, "said the British diplomat. However, European Commission President Jose Manuel Barroso to invite all the members together to figure out how the EU budget support after 2013.

According to him, the debate is not a taboo. In addition to facing opposition from Britain, the idea of an independent procurement budget in 2014-2020 that would have hampered spending issues in the agricultural sector estimated at 40 percent of the total EU budget. Budget expenditures in the agricultural sector in 1988 recorded 65 percent of the total EU budget and then dropped to 40 percent today.

Budget Britain

The British government yesterday announced plans to budget cuts in front of parliament. The country will cut about half a million government employees, increase the retirement age, and cut social spending. According to British Finance Minister, George Osborne, the country's government will cut public spending by 80 billion pounds or about 125 billion U.S. dollars.

"Dealing with the budget deficit can not be avoided," he said. Defi budget crunches UK reached 11 percent of gross domestic product (GDP), the highest among G7 members. Osborne explains the retirement age be raised to 66 years in 2010. The policy is expected to save the budget more than 5 billion pounds or 7.9 billion U.S. dollars per year.

He added that the British Government had to cut back social fund of about 7 billion pounds of reduction proposal submitted last June by 11 billion pounds. Approximately 490 thousand civil servants would be cut in four years. Meanwhile, Britain's debt reached a new record in September.

According to the National Statistics Office (Office for National Statistics / NOS), the country's debt reached 64.6 percent of GDP, the highest since 1993. NOS reported total debt in the last month reached 15.607 billion pounds, up from the same period last year amounted to 14.806 billion pounds.

Meanwhile, in Lisbon, Portugal's parliament agreed to postpone the vote until 3 November to decide the country's draft budget in 2011. Interest government securities was up 15 basis points to 339 points after the announcement of the delay.

Ben Bernanke Back Leads U.S. Central Bank

2010-11-30T04:45:00.000-08:00

Ben Bernanke finally return believed to be the governor of Central Bank of the United States (the Fed), the position which is currently very influential in saving the American economy (the U.S.) from the recession.
The assurance came after the U.S. Senate vote on Thursday night in Washington, DC (Friday morning GMT). The vote took place relatively tight because not a few senators who criticized the policy that Bernanke simply poured a lot of money to major banks are in trouble while tens of millions of Americans suffer the effects of recession.

With the composition of the Senate vote, 70 support and 30 refused, Bernanke certainly returned to lead the Fed to four years following.

Selection of central bank governors held tough this time and takes several days. It is also a test of the independence of the Fed, which is an important element for the central bank in carrying out economic policies that are not popular ones.

The policies of the Fed in setting interest rates, for example, can cause huge consequences for all layers, ranging from large corporations to married couples who struggle to repay their first home. The consumers' grocery store and petrol station managers were affected for any measures taken by the leadership of the Fed.

Some senators praised Bernanke's performance, which is seen managed to lift the U.S. economy from the brink of a deeper recession, so the land of Uncle Sam is not to suffer from depression is greater. "Leadership Ben Bernanke has made this nation to avoid a disaster," said Sen. Chistopher Dodd, who led the affairs of the Senate Banking Committee.

However, there are senators who refused to back Bernanke's appointment. "Central Bank under Ben Bernanke actually serve to create conditions for the financial crisis," said Senator Richard Shelby of the Republican Party.

Shelby and his allies believe that Bernanke is to blame for failing to directly detect the problems that caused the crisis in the U.S. in more than last year. The Fed is also seen as weak in banking regulations and does not directly address the irregularities in the home mortgage problems causing the crisis.

Bernanke was first entrusted to lead the Fed by the current U.S. president, George W. Bush, in 2006. However, this time Bernanke received the blessing of Barack Obama to continue his leadership at the central bank.

56-year-old economist sebelummnya more engaged in academic environments. Over the past 17 years Bernanke taught economics at Princeton University. But he was summoned to Washington DC to help the Fed governor who eventually replaced him, Alan Greenspan
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Economic Fatigue, Obama Want to Defer Salary Increase

2010-11-30T04:44:00.000-08:00

President of the United States (U.S.), Barack Obama, called for suspension of salary increases for central government employees (federal). The delay was proposed for two years.
According to the CNN page, on Monday night local time, the idea must be approved by Congress. If approved, the policy would affect two million federal employees in 2011 and 2012. The idea was raised of government to address a growing budget deficit.

According to government calculations, suspension of salary increases for two years would save the government budget of U.S. $ 2 billion for the remainder of fiscal year 2011 and U.S. $ 28 billion for the next five years. However, the amount was very small annual budget deficits than the U.S. suffered U.S. $ 1.3 trillion.

This policy will not apply to military personnel, but have an impact on all federal government employees, including those working in the Department of Defense.

"The fact that bitter in an effort to control the budget deficit is a need for some sacrifice. And the sacrifice must be shared equally by employees of the federal government," Obama said.

According to the daily pages of The Wall Street Journal, if approved by Congress, the policy was clearly disturbed the federal employees. "I never thought that this government will solve the problem by cutting revenues," said John Gage, chairman of the American Federation of Government Employees (AFL-CIO), which consists of about 600,000 federal employees.

Apart from the idea that the government, officials plan would enjoy a 1.4 percent salary increase in 2011. However, many civil servants in net income will decline as rising health insurance premiums, on average by 7.2 percent.

DECISION OF THE DIRECTOR GENERAL OF TAX NUMBER KEP - 522/PJ./2002

2010-11-28T18:19:00.000-08:00

TECHNICAL IMPLEMENTATION PROCEDURES overbooking THE MISTAKES OF INCOME TAX PAYMENTS
CURRENCY IN THE UNITED STATES DOLLARS
DIRECTOR GENERAL OF TAXATION,

Considering:

1. that in order to provide service to taxpayers who are allowed to keep books in foreign languages and foreign currency are making a payment of Income Tax in U.S. Dollars it is necessary to set about the administration transferred the oversight of tax payments;
2. that based on the considerations referred to in letter a, it is necessary to set decision of the Director General of Taxation on the Implementation of Technical Transfer Procedures For Payment of Tax Errors Currency U.S. Dollar;

Given:

1. Law No. 6 / 1983 on General Provisions and Taxation Procedures (State Gazette of the Republic of Indonesia Year 1983 Number 49, Supplementary State Gazette of the Republic of Indonesia Number 3262) as amended by Law No. 16 of 2000 (State Indonesia Year 2000 Number 126, Supplementary State Gazette of the Republic of Indonesia Number 3984);
2. Law No. 7 of 1983 on Income Tax (State Gazette of the Republic of Indonesia Year 1983 Number 50, Supplementary State Gazette of the Republic of Indonesia Number 3263) as amended by Law No. 17 of 2000 (State Gazette of the Republic of Indonesia Year 2000 Number 127, Gazette of the Republic of Indonesia Number 3985);
3. Decree of the Minister of Finance of the Republic of Indonesia Number 533/KMK.04/2000 on Implementation of Bookkeeping in a Foreign Language and Currency addition amount and submission of the Annual;
4. Decision of the Joint Director General of Taxation and the Director-General of Budget Number KEP-306/PJ/1999 and KEP-60/A/1999 Concerning Income Tax Payment Currency U.S. Dollar;
5. Decision of the Director General of Taxation Number KEP-11/PJ/1994 on Guidelines for the Administration of Parent Restitution Revenue and Taxation;

DECIDED:

Setting:

DECISION OF THE DIRECTOR GENERAL OF TAXES ON THE IMPLEMENTATION OF TECHNICAL PROCEDURES overbooking THE MISTAKES OF INCOME TAX PAYMENTS IN DOLLARS UNITED STATES CURRENCY.

Article 1
(1)

Taxpayers are allowed to keep books in foreign languages and foreign currency are making a payment of Income Tax in U.S. Dollars may apply for a transfer of income tax payment errors Denominated in U.S. Dollars.
(2)

Transfer is done manually which were recorded outside the Tax Information System and can only be done between the payment of Income Tax Article 25, Article 29 of Income Tax and Final Income Tax paid by the taxpayer Currency U.S. Dollars.

Article 2
(1)

Transfer Income Tax payment by mistake Currency U.S. Dollar conducted by the Head of the Tax Office is authorized to administer the Tax Payment (SSP) without requiring the approval of the Head Office of the Directorate General of Taxation superiors.
(2)

Transfer done upon request from the taxpayer to the Head of the Tax Office where such payment is administered, along with a SSP-1 and the sheet to transfer the original proof of payment of Income Tax Currency U.S. Dollars.
(3)

Transfer can be carried out if the petition to be transferred by the SSP has not been taken into account by the tax payable in (SPT), Letter of Tax Collection (STP), Letter of Tax Underpayment (underpayment), Letter of Additional Tax Underpayment Assessment (assessments), Decree Returns Preliminary Excess Tax (SKPPKP).

Article 3
(1)

As evidence has been transferred, the Head of the Tax Office issued a Proof of Transfer by using the form KP.PDIP 5.3.
(2)

CNS-1 sheet, proof of payment and proof of the original transfer Transfer which have been transferred should be given the stamp have been transferred and signed by the Head of the Tax Office to show that the above tax payment stated in the proof of the transfer and the SSP has been transferred to another section.
(3)

On the evidence included the date of the promulgation Transfer Transfer Evidence that serves as the date of receipt of SSP by the office of the payee.

Article 4

Director General of Taxes Decree shall come into force on the date of enactment.

For every person to know, instructed the Director General of Taxation announced by publishing it in the State Gazette of the Republic of Indonesia.
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Half A Heart Do not Tax Reform

2010-11-28T18:15:00.000-08:00

Tax reform has been in effect at least since 2005 with two main strategies, namely intensification and taxes. Extensification direct hit on the working people, regardless of income, because it is a program of increasing the number of active taxpayers.
While intensification is much more felt by the taxpayer who had been held for a long time to pay taxes because it is a program of excavation may be money to be paid on the taxpayer. With these two major strategies, the Directorate General of Taxes optimistic in 2010 the total tax money that can be collected from the community is Rp 1,000 trillion, or nearly double the tax revenue that has been collected at this time.

In the midst of "hot pursuit" of new taxpayers and deepening of deposit old taxpayer was raging case of a broker tax and the Tax Court that gave rise to the figure of a young employee (still class IIIA), Gaius Tambunan.

With the contents of the account, the total incoming and outgoing funds, approximately USD 25 billion, earnings Gaius concluded by the police as abnormal.

However, as stated by the Director General of Taxes Mohammad Tjiptardjo, Gaius only claimed to enjoy the money of Rp 370 million. Well, this is clear to people that Gaius does not violate the norms as a civil servant or a legal ethics (not yet proven the courts) by himself.

As a civil servant who admitted receiving the money outside the main income which reached Rp 12 million per month, Gaius is definitely wrong and therefore the Minister of Finance could be dishonorably dismissed as soon as possible.

However, the case flow of funds of Rp 25 billion which is expected to go into the pockets of someone else's account (some are calling the police, rogue prosecutor, to the Tax Court judges) can not be resolved because Sri Mulyani Indrawati Minister of Finance position is very limited.

If tax reform want to be thorough, do not expect too much on internal reforms undertaken Directorate General of Taxation. Gaius case shows not only the Directorate General of Taxation officials involved, but also obligatory tax that provides funds and other persons who also receive cash flow from Gaius.

Seeing America

For the observer taxes, Darussalam, the steps taken by the President of the United States, Barack Obama moments after his election as President enviable. Obama believes tax reform, not only can be submitted to the Ministry of Finance, but also must be handled directly by the President.

For this reason, Obama formed The Volcker Task Force or a special task force led by former tax reform governor of the Federal Reserve Paul Volcker (81). Members there are four people, among others, senior economic adviser to Obama, Austan Goolsbee namely; and Harvard University economist Martin Feldstein, and Professor of Economics, University of California at Berkeley, Laura D'Andrea Tyson.

Composition of the Supervisory Committee members resemble Taxation (KPP), the newly appointed Finance Minister Sri Mulyani Indrawati on March 26, 2010. However, the Volcker Task Force report directly to the President, while KPP only report to the minister.

Herein lies the weakness of KPP, only focused on the relation DG Taxation and tax payers, regardless of any other party involved. And, the thing is, only the President who has the authority across the institution.

Moreover, there are those who claim, the case contains a potential danger Gaius fundamentals, which eroded the tax revenue that should be paid to the state budget.

If the bribe money in circulation reached USD 25 billion, imagine the value of receiving state money that should have won by countries in various disputes in the Tax Court. Surely it would be bigger.

Views Melchias Mark Mekeng, Vice Chairman of Commission XI of the House, could sharpen our gaze on what happens in the Tax Court today.

If a tax dispute that won many taxpayers, there are only two possibilities that occur. First, the apparatus DG Taxation and Tax Court judges are bribed. Second, there are legal loopholes that can be used taxpayer "naughty" to defeat the state. Both can occur simultaneously and are very dangerous if allowed to continue to happen.

25 percent

The impact of uncertainty in the Tax Court could at least be palpable through the Directorate General of Taxation stating data, from tax receivables that reached Rp 44 trillion (data as of February 19, 2010), only 25 percent of the annual target which is likely to be billed again.

While 75 percent of the annual billing target stuck in the process of dispute in the Tax Court. That's not taking into account the amount of the embezzled money for bribes or facilitation payments in settlement of tax disputes.

If traced back, when Nasution (while still serving DGT) never mentioned, the potential lost tax revenues (tax gap) due to bribes, smuggling, and other criminal reach Rp 300 trillion per year.

That equals 34.8 percent of the maximum potential tax revenue that should be accepted, ie USD 860 trillion per year.

For the tax gap problem is also likely Obama formed a task force Volcker. Therefore, the tax gap in America even crazier, ie 300 billion dollars per year. This is the difference between the tax liability of individuals and companies in America with a tax collected by DG Taxation them. "America needs an effort that could be as aggressive as possible," said Budget Director Peter Orszag America.

Especially in Indonesia, tax revenues accounted for 70 percent of state revenue. If the sources of revenue that the broker bothered tax, its impact is clear and not much choice, namely to add debt. For, the state budget has only three sources of funds to cover spending, namely tax, non-tax revenue, and debt.

In America there's even extreme views that appear to reform taxation, as stated by a writer who is also the real estate business practitioners from Memphis, Gwyn Guess.

According to Guess, the only formula for tax reform in America's most potent is disband the IRS (a kind of American Taxation Office).

Guess the reason is scientific. Transaction even in the underground economy will not be able to avoid the tax, ranging from prostitution, gambling, illegal liquor to the dealers. Therefore, the hidden economic actors will definitely spend the money. By the time they spend money that is exposed to the Value Added Tax (VAT), ranging from clothes shopping, food, luxury jewelry, or a new car.

However, Guess still requires that the tax system has been developed in which there are no corrupt officials and tax must already have a high compliance rate. "The function of the IRS audited only business income rather than digging individual personal data on every taxpayer in the U.S.," he said.

2030, Japan's Economic Beat RI

2010-11-17T04:21:00.000-08:00

In 2030, Indonesia's economy not only shift the German, French, Russian and English. Bank number one in the UK, Standard Chartered Bank, estimated that Indonesia's economic strength will defeat Japan in 2030.
Stanchart In a special report titled "The Super-Cycle Report" recently published, assessing the world is in the midst of a continuing period of high economic growth which they call by the term super-cycle.

According to Drs. Gerard Lyons, Chief Economist and Group Head of Global Research Stanchart, a super-cycle is going to happen the potential upside in terms of strong global growth.

"It is also inseparable from the fact that developing countries would be a major driver of growth, whereas western countries have the ability to benefit from global economic change by adapting and changing," explained Gerard.

Strong growth starting in 2000 and will last until the next few decades. "In 2030, the volume of the global economy would reach more than USD300 billion," the report said. This volume is an increase over the current position of USD62 trillion.

Even more interesting, the report said, developing countries will be able to surpass the developed world better. As a result, the global economic balance of power will shift strongly from west to east.

The trigger is increased trade, especially in markets of developing countries, rapid industrialization, urbanization and the rising middle class in developing countries.

"Asia will drive the majority of global growth over the next 20 years," said Stanchart. Asia is often referred to are China, India and Indonesia.

At that time, standard of living as measured by real per capita income, will increase nine-fold in China and India between 2000 and 2030. Increased personal income would push billions of people entered the middle class and increased consumption will spur domestic economic growth.

China's economic growth rate will be 6.9 percent over the next two decades, even overtaking the United States to a world economic superpower within a decade, namely in 2020. India's economic growth increased 9.3 percent in the same period and trail the United States as the third largest economy by 2030.

What about Indonesia? According to the report, in the next decade, Indonesia would occupy the tenth position as a world economic power. Indonesia was under German, French, Russian and English who are in sixth to ninth.

However, in the next decade or 2030, Indonesia is not only beat the four countries. Indonesia will even beat Japan is now the world's third largest economic power after U.S. and China.

At that time, Indonesia was in fifth position with the world's gross domestic product USD9, 3 trillion, while Japan's GDP in sixth with $ 8, 4 trillion. (Bs-UPI)