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  • 10/03/2021 17:18

    7 health benefits from using a vibrator










     





    Overlook hiding your most effective vibrator away, or leaving it to gather dust inside the back of a drawer. On a regular basis using one could bring a host of further benefits for your health and wellbeing, each physically and mentally. Get extra information and facts about waterproof slim vibrator



    There’s no have to have to become shy about owning a vibrator - many ladies have them. In actual fact, a survey by WooWoo, an intimate-care brand launched by girls for ladies, located that the average British woman masturbates 2.5 times a week.



    Choose to know more? Here’s how using one in the finest vibrators can genuinely assist your health and wellbeing…



    HEALTH BENEFITS You’ll GET FROM USING A VIBRATOR

    1. A vibrator can help you sleep soundly



    When your trusty vibrator isn’t some thing you’d want to cuddle up to for comfort at night, an orgasm just before bed can do wonders for shuteye. “Having an orgasm can lead to sounder, better-quality sleep, thanks to the fact that whenever you climax you create the sleep-inducing hormone, prolactin,” says Annabelle Knight, sex and connection expert with Lovehoney. “So, theoretically, you must delight in better and more restful sleep just after an orgasm. And, having a superior night’s sleep beneath your belt, you will be much better equipped to face the day.”



    2. It might assist you to beat pressure



    An orgasm can increase your mental health and happiness. “When you climax, you make hormones known as oxytocin and serotonin,” explains Annabelle. “These hormones are referred to as the ‘feel-good’ hormones due to the fact they may be linked to happiness. Normal boosts of these hormones through orgasms having a vibrator can contribute towards feeling much less stressed and more constructive.”



    3. A vibrator is great for the heart



    Those endorphins do more than just make you feel excellent - they also aid to prevent heart problems by naturally neutralising your anxiety hormones. Analysis in Israel found that girls who had two orgasms per week have been 30% significantly less likely to have heart illness.



    4. It could maintain your vagina healthy



    Routinely using a vibrator can assist retain the walls from the vagina. This really is because, when aroused, the lining with the vagina produces secretions, which helps to provide moisture to this region. “This assists to boost vaginal elasticity, which can be one from the ways our vaginas stay healthy,” says Annabelle. It might also assist avert infections in the cervix and urinary tract via the process of opening the cervix, which occurs throughout arousal. This stretches the cervix and allows unwanted cervical fluids to be flushed out.



    5. It might assist you beat pain



    “Lots of females report that standard orgasms help within the relief of period pains and cramps,” says Annabelle. And overlook putting off using your vibrator mainly because you may have a headache - it might assistance with that, too. This is for the reason that the area from the brain involved in pain reduction is extremely activated during arousal and endorphins are released, which can soothe nerve impulses that trigger migraines or joint pain.



    6. You’ll expand your pleasure horizons



    Just would like to have some enjoyable? Using a vibrator will undoubtedly assistance!“A vibrator is actually a good technique to expand your pleasure horizons, especially in case you decide on one with unique settings and modes,” says Annabelle. Not sure which one to try? Go for a rabbit vibrator. “They’re one of your only surefire methods to delight in stimulation, each internally and externally. This can improve your probabilities of hitting all of your hot spots, resulting in mind-blowing pleasure and intense orgasms aplenty,” says Annabelle. “All research from Lovehoney shows that couples with excellent sex lives love better all round happiness. So, investing within a vibrator will not just enhance your sex life, but life normally.”



    7. You will have improved bladder control



    “When you orgasm, your vagina contracts - feel of it as a mini exercise for that complete area,” says Annabelle. “An orgasm exercises your pelvic floor muscle tissues, too, meaning greater bladder control. A powerful pelvic floor may also cause stronger, extra intense orgasms.” Win-win.

  • 10/03/2021 17:17

    5 Easy Facts About Canninghill Square Described

    Real estate isn't always considered as luxury only as it is costly. It must also be exclusive, and termed superior to all other kinds of housing. High-end buyers usually need access to exclusive activities such as shopping, dining, as well as the fine arts, together with proximity to all other lavish homes. There are a few different things that differentiate condos from other types of residential property investments. Get more information about Canninghill Square



    Condos are famous for their versatility and are more open to lease than many apartment complexes. This permits flat complexes to be more competitive when it comes to leasing their units. Also, investing in a lavish condo allows you to get a hold of the property straight away, without all the hassle that investing in an apartment would entail. You've got a smaller investment to be concerned about, however, you can also save up on purchasing supplies and utilities. You can even get lower insurance premiums since the components are more protected against fire and theft.



    The best thing about investing in luxury houses is that they cost less to maintain. Most properties will require less money spent on utilities and upkeep, which makes them a fantastic choice for those who wish to create a quick profit but don't actually want to put down any money. Purchasing a real estate investment with a low maintenance cost can be extremely rewarding and can also be safe from the unpredictable nature of property.



    Investors who would like to have a greater potential for profit and also don't mind the chance of investing in a luxury property property should think about investing in foreclosed homes. The term pandemic refers to some temporary recession or boom. The housing market is an ideal example of how investing in a pandemic property can be very profitable. The housing industry is presently undergoing a flourish, making this type of investment among the finest to create.



    Among the greatest parts about investing in real estate investing with pandemic homes is that there are many different neighborhoods to choose from. Many people today prefer to stay in the nicer neighborhoods in the more affluent areas of town, but some prefer to live in the warmer areas in the richer areas of town. Additionally, there are both middle-class and rich neighborhoods. Some people today prefer the middle-class areas to the rich ones, so it can depend on your own personal preferences. However, there are many upper east areas that offer a number of the very lavish amenities and shopping malls round.



    If it comes to living in one of the more expensive property markets, the opportunities are endless. With lots of high-end luxury real estate buyers, it's possible to have a bit of a fantastic town for much less than you could normally pay. In reality, many individuals will even offer to pay you more in order to have the property since they are aware that they are getting an amazing deal on a high-end piece of property. Many of the higher cost pieces of real estate are usually sold by the programmers themselves and so you won't need to pay any agent fees. Some developers will even provide financing for these higher-priced properties.



    The more affluent areas and larger cities tend to have a much slower property market and so you'll need to pay more for almost any bit of property. This means that the purchase price of a property is generally more expensive, especially when it is situated in an upscale place. However, if you are looking for an investment opportunity, there is no reason not to take advantage of the luxury real estate market in an area such as New York City or Miami Beach. These markets are still growing, so there is no end in site for how much you can purchase a luxury residence.



    In regards to the real estate market in the greater New York City, the potential is really infinite. There are so many areas to choose from and a lot of different price ranges that everybody is able to find something in their means. Provided that you're willing to put in the effort and discover a fantastic realtor, you need to be able to find something pleasant for you and your family. Just do not forget that you must remain open to all options and keep your eyes open to the very best of everything that has to offer you. With some work and determination, there's no reason that you can't appreciate the advantages of living in the top east.

  • 10/03/2021 16:15

    Neurologist On-line Medication Degree System


    A neurologist is actually a expert in neurology and also consists of managing people with neurological ailments. The phrase "neurologist" could talk about any one nevertheless it includes all who happen to be associated with the neurological area such as clinicians, opaths, psychiatrists, neurologists, radiology experts and the like. A neurosurgeon could be an expert from the surgical treatment of your head and go accidents, whilst a psychiatrist works with emotional as well as mental issues of patients. These experts are usually active in the therapy for sufferers who definitely have obtained circumstances like cerebrovascular accident, paralysis, Parkinson's condition and so forth.



    Neurologist procedures in a variety of overall health centres and clinics in the United States. There are lots of medical schools and companies that provide courses in neurologist technology. In most of these establishments, somebody understands the basic rules and basic strategies of practicing treatment. Apart from this, one discovers about the diagnostic processes along with the health background in the individual. It is by using these kinds of programs that neurologists go to know and be aware of the patient's problems and also the remedial steps that should be considered. Get more information about лечение протрузии



    Neurologist works closely with physiotherapists, occupational practitioners and physiotherapists to take care of and rehabilitate patients. Their contribution is produced by carrying out individual distinct exams, utilizing rehabilitation applications and conducting particular restorative massage treatments. These techniques goal at improving the patient's way of life.



    A neurologist takes on a huge role in examining and checking a patient's motor unit, sensory, cognitive and functional features. In line with the evaluation in the patient, the neurologist lays down the arrange for rehab. When the affected person requires surgical procedures or treatment method, the neurologist must organize the required amenities. Usually, the methods are conducted under anesthesia medhelper.ua. The objective of rehabilitation would be to improve the functionality and look after the fitness of the sufferer.



    Physiotherapy is a part of rehab made available from the neurologist. Physiotherapy strives at repairing normal range of flexibility, flexibility and flexibility of your system. The chiropractic specialist, the physical therapist and the osteopath provide the essential therapy on the individuals. This form of treatments is very helpful in advertising general health. The chiropractic medical professional supplies spinal manipulation and exercise routines to help lessen discomfort and increase motor unit function.



    Massage treatment is yet another method of treatment that is utilized for rehabilitation. The rehab of your paralyzed affected individual helps them restore their power. The physiotherapist enhances health and mental wellness of the individuals through therapeutic massage. This particular type of treatments is also accustomed to deal with cerebrovascular accident, disturbing injuries, cerebral palsy as well as other ailments. In fact, all kinds of problems is treatable through therapeutic massage.



    Neuropsychologists diagnose, treat which will help prevent illnesses related to the contemplating, conduct, perception, storage, language, personality, cognition as well as the biological aspects of the mind and neurological system. The most typical illness connected with neurologists is Alzheimer's disease. Other neurologist illnesses are Parkinsonism and spinal-cord accidents. Neuropsychologist snacks emotional conditions that affect the pondering, conduct, psychological impulses and connection medhelper.ua. This is exactly like the psychiatrist, but they focus on neurology.



    There are various features of working together with a skilled and registered neuromusculoskeletal professional. The online treatments degree plan may help get you ready for a job within a medical facility or medical clinic, as well as in study amenities. You can even select from an array of areas of expertise in neurology, including pediatrics, geriatrics, neurosurgery, neurology, cardiology, orthopedics, pediatrics, radiology and physiology. Working as a radiologist is yet another choice, which enables you to diagnose and check cardiac, lung, renal, center and skeletal disorders. It is important to be aware that any industry which you choose has to be accredited by the Joints Payment on Documentation of Health-related Organizations (JCAHO).

  • 10/03/2021 15:42

    Online Medical Shops Greatest for Acquiring Medicines

    Gone would be the days when people preferred to buy medicines from medical stores located in their locality. Now days you may simply get the medicines at your doorstep by just placing the order on any of the websites that provide online medicines. It really is very uncomplicated to acquire the medicines with the assistance from the online medical shops. Get much more info about Cytotec




    If you're truly serious about getting particulars about medicine retailers that provide online option then, you are supposed to take the enable of internet. The usage of your internet is very uncomplicated, for receiving prompt results it is best to have better internet connectivity and also a appropriate device for accessing. Discovering information and facts in regards to the websites that offer online medicines it's important to surf the net with appropriate keyword phrases. Searching together with the assist from the particular keyword phrases will get you far better final results and genuine sites that offer this facility.



    It is actually for confident that you simply will get numerous benefits by picking online medical shops as opposed to getting medicines from any offline drug stores. One in the significant benefits is that there is absolutely no require to stand within the queue for getting the medicines. You can quickly purchase the preferred medicines though sitting at your home or office. Aside from this you can also save ample of time with all the aid of online option that is not probable within the case of any offline drug retailer.



    It's also vital to note which you can even save an excellent quantity of money together with the help of online medical retailers. The online option of buying is less expensive as in comparison with offline purchase of products like medicines. It's due to this purpose the online buy is preferred by the majority of the people all around the globe. The primary explanation of your difference is in the costs of online and offline retailers are that there is small tax redemption within the medicines which can be purchased by online stores.



    Not merely this, you can find numerous other websites that offers free coupons for receiving discounts in buying the medicines. When you are serious about obtaining such particulars about the discount coupons then you need to place some added efforts to discover such sites that provide this facility.


     

  • 10/03/2021 15:30

    What Are Key Benefits Of Online Betting?






    Online betting and casinos have turn out to be really preferred and are favourite pastimes that could let you have fun and earn money also. You'll find millions of players across the world, and there are just also quite a few betting sites on the market that allow you to bet. Get far more data about https://1ufabet.com/



    One principal explanation online betting has picked up would be the bettor gets a lot of benefits:



    Beginner’s Bonuses

    There are numerous websites which offer hefty sign-up bonus ranging from 60% to 100% of the deposit. They are supplied to motivate the players to start betting. So any time you log-in to your account and discover that there is a bonus, then you sure to become pleased. It indicates you may play another round and in some cases withdraw money for the treat at the same time to get pleasure from the winnings. Then most sites give strategies to the consumers throughout certain instances. It is actually really different from the regular casino game.



    Ease of Betting

    Any time you discuss comfort, online betting is the ideal, and with it, you'll be able to bet at your comfort. All betting sites are operational round the clock so you'll be able to play anytime you would like. It is possible to play from any country you want to in the event the site supports it. Irrespective of whether you happen to be in office or home, you are able to place the bet. Whenever you are in the mood to bet, basically log online and access the game. There is completely no wastage of time, in traveling to local casinos to play. If you are betting from home, you will have time for your family as well.



    Receiving Payouts is easy

    You might be betting for the reason that you prefer to get the value of money by winning a lot more money. Some bettors bet on the game to double their bet amount which has been invested. It really is what tends to make the gambling interesting. The regular casinos will have a low payout percentage after you compare it for the online games. With online sportsbook, you get the real land based casino experience that as well in the comforts of the home.



    Many Games to select from

    There is a further superb advantage of gambling online is the fact that it offers many selections of games. Most casinos get an unlimited collection of games. The games typically have quite a few categories and slots with diverse payment options.



    Ultimately,

    There are numerous benefits of betting on the greatest sportsbook, so you will be you nonetheless waiting to begin betting?

  • 10/03/2021 15:20

    5 Easy Facts About Provence EC Described

    Real estate is an array of"property" which includes artificial or long-lasting residential land and everything attached to it, be it natural or artificial in nature, including homes, trees, stones, minerals, buildings, roads, and bridges. Property has"actual" real estate values. It could be sold and the proceeds kept by the individual who buys it as security for loans taken for constructing or enhancing homes, on behalf of investors, or on behalf of all governments and individuals. These real estate investments include but aren't restricted to, condos for sale, single-family detached residences, townhouses, multiple unit dwellings, agricultural lands, undeveloped lands, empty lots, manufactured homes, residential and commercial buildings and property in villages, integrated townships and other municipalities. Get more information about Provence showflat



    In the Singapore, a massive part of the real estate marketplace prices in residential properties. The most typical real estate investment plan entails buying low and selling high. A few plans also involve using real estate as a source of longterm income, which is known as investment real estate.



    There are several ways to invest in real estate. For people who want to create money by buying low and selling high, there are foreclosed real estate and bank owned real estate. For people who wish to earn money from leasing their private home, they can opt to rent out their personal property temporarily for a gain. Or they can elect to use a rent-to-own system wherein a particular part of the rent is paid directly to the renter and the remainder is paid to the property investor or broker.



    Another way to invest in real estate is through the buy and holding of units. A reit is an arrangement between a person and a broker on the market of stocks. Real Estate Investing brokers will do all the paperwork necessary to swap the shares of real estate together with buyers and maintain the stocks until the period of this exchange. Reit investments are great possibilities for those who are just getting started with Real Estate Investing. It's ideal to start off small when it comes to this kind of investment.



    Many investors also invest in commercial real estate used for company. Examples include office buildings that function as retail shops, industrial facilities, hotels, restaurants and other commercial properties. Commercial properties are often held for a very brief time period before they're sold to other investors. Investors interested in these sorts of property investments may also check into the leasing market. This includes investing in a business using an area for lease.



    Among the easiest ways of earning profits is by renting out private property. Real Estate Investments can be produced from a number of different real estate categories such as single family houses, condos, townhousesand industrial facilities, apartments, leasehold improvements, etc.. There are a few investors that prefer to utilize residential property because their personal home, but this isn't a good idea for long-term investments. They also do not earn as much as they can do from commercial property.



    There are also a number of methods in which you'll be able to make profits from these types of investments. A number of the best investments comprise rent obligations, appreciation, vacancy rates, capital gains, lease guarantees and lease yields. Additional benefits of Real Estate Investing will be the tax advantages and less paperwork. You'll have to work with your local real estate agent to find the best prices on rental properties.



    In recent times, the real estate market has fallen in value. This fall is mainly because of the real estate market being influenced by the subprime mortgage crisis and also because of fluctuating oil rates. When investing, it is necessary to have a backup strategy in case costs fall drastically. With Emergency Fund, you can easily weather these fluctuations on the marketplace. This usually means you can get cash for short-term loans and investments without having to wait for too long.

  • 10/03/2021 14:16

    Rumored Buzz on The Antares

    A popular reason hear for wishing to purchase real estate now is your need for additional money. Regrettably most property investments, particularly residential real estate purchases for investment, don't create positive cash flow for quite a while. Meaning that you will need to continuously fund rental losses every year. This may cause you a lot of stress and can even result in financial bankruptcy if you're not disciplined enough to keep track of your expenses. In addition to this, residential real estate contracts generally do not limit the kind of property that it is possible to purchase. So investors that acquire properties with no appropriate contracts set up may find themselves locked into rental rates for years to come. Get more information about The Antares showflat



    One approach to prevent these problems with property deals for beginners is known as the'percentage rule'. The percentage rule says that a certain quantity of income from leasing sales must be implemented to any prospective gains. This is done according to a percentage of the contract value. A good guideline is around ten to fifteen percent of the contract value ought to be applied to almost any potential rental income each year. For investors who wish to apply this rule to residential property prices, the percent to be applied will depend on the period of the property agreement.



    Aside from percentage based lease income, a good method to make certain you enjoy good returns on investment in your real estate deals for beginners is to purchase properties which aren't too pricey. This means that rental rates for homes and condos must be kept low through the initial phases of growth. If the property rental price goes up during the phases, the excess amount you could have made from the sale of these properties can be invested in other ways. Keep a keen eye on the market and assess whether there's an ideal time to market the property. Should you decide it is time to market, then buy properties at marginally higher than market value.



    If it comes to investing in multifamily properties, investors need to understand that we have a number of legal formalities that they would have to experience. To save time, investors usually outsource these tasks to a real estate lawyer or a realtor. They would then submit the required documents and papers to the concerned government departments. Investors who are new to property can ask agents for advice regarding the legal aspects of multifamily properties.



    Another method of saving money when buying multifamily properties for novices would be to buy properties in different sizes. Generally, investors prefer to invest in houses which have multiple units as this enhances the overall price of the property. This is because massive units translate into larger monthly rentals. Because of this, the total monthly income can increase over a period of time. Smaller units can be leased out for a longer duration and permit investors to pocket smaller yields. Some investors also choose to lease out the smaller components consequently, thus ensuring they have some extra profit each month.



    When investing in rental properties, it's essential to calculate the return on investment (ROI). The ROI is fundamentally the annual income that someone may receive from the investment. By calculating the ROI, investors ensure they are not spending too much on lease properties. Once the amount is calculated, investors can already plan how they can further increase the monthly earnings.



    Although multifamily investing can seem to be a intimidating task, it's not impossible to tackle. A good deal of investors have managed to make great profits by simply investing in smaller units. By deciding how much space one wants and how profitable the investment will be, investors are then able to choose components they can put money into. Investors may also hire a real estate agent to help them in the process of investing. With the support of a professional, investors can be certain they are making the ideal decisions.



    For a lot of folks, Real Estate investment is among the best methods to create an additional income. The procedure however demands a whole lot of research and patience. The moment an investor discovers the investment that works for him, they should never rush to it. Real Estate can provide excellent revenue potential, but you must always keep an eye on the situation rather than invest with all the"itterster".

  • 10/03/2021 13:41

    Varieties of Back Muscle Pain That you simply Have to Know

    Back muscle pain is a popular difficulty and it is a frequent form of back pain. Approximately each n every single people endure from this dilemma from moderate to serious muscular back pain at some times in their lives. From time to time this muscle pain may possibly be of serious nature and from time to time it may be mild. Chronic muscle pain is frequently generally known as myositis. Quite a few occasions the situation of this muscles pain is identified incorrectly as stemming from a spinal source. Get far more information about come eliminare la cellulite

    There are actually distinct sorts of back muscle pain -

    Back Muscle Strain: This sort of pain occurs when the muscle is overstretched or torn. In this condition, the actual muscle fibers are damaged. Muscle fibers are related using a chain of muscle cells which are grouped with each other to type a muscle. Ordinarily these chains are tightly grouped together. Inside the condition of back muscle strain the links of the muscle fiber are separated or it might be broken which outcomes in to the damage of minor tissue. Amongst several patients these types of injuries are referred to pulled muscle tissues in the back.

    Back Muscle Sprain: Within this condition of back muscular pain the ligaments are over stretched or torn. Ligaments are fibrous connecting tissues that are really hard. Muscles are connected to their attachments with all the assist of those ligaments. Ligaments would be the chains of tough cells that are grouped with each other to boost their strength. Inside the condition of muscle sprain these chains are often separated or perhaps they might be torn which result in to the damage of ligament or muscle.

    From time to time the condition of muscular back pain may also be the result of internal tension and tension. Psychological and emotional strain results into physical tension to build up in our muscle tissues. That may be why when we have anxiousness we get the feeling of "tight". If we've got a stress in our thoughts then muscular pain would be the direct outcome as our mind and our physique works with each other in all. Our mind plus the body are inseparable. If we really feel pressure in our thoughts it affects our body as a direct result.

    Even during some specific accident if any people suffers from a back muscle injury, within this condition also there is a likelihood to blame internal pressure only. Tense muscles are extra susceptible to injury plus the side impact of emotional or mental stress is our tense muscles. For this reason only internal pressure is blamed for back muscle injury inside a distinct accident.

  • 10/03/2021 13:23

    Ki Showflat Options

    Before showing you how you can get property available, have to answer these simple questions: Why are real estate's good investments? And, why are a lot of investors interested in condo real estate investing? As you may guess, those that are thinking about buying condo properties are strong advocates of condo ownership as a viable option for property investment. These properties boast numerous characteristics that make them ideal investments for any property investor. Let's take a look at a few of these. Get more information about Ki Residences



    Condos for Sale come with a number of attractive features. As an example, a condominium is generally a fantastic investment property since it gives a stable place to stay. Because of this, there is no need to worry about your living situation, whether it's about the way you are going to get to work or in which you're live in the not too distant future. Additionally, condos are not as likely to encounter foreclosure, making it a better option for first-time home buyers and retirees to buy real estate.



    Condos for Sale come with a lot of attractive attributes. As an example, they are usually found in secure areas. This makes it easier for prospective buyers to select from a huge array of neighborhoods. Additionally, most investors are aware of the neighborhood marketplace, so they don't need to worry about disturbing the area. In reality, the buyers' association often works to keep up the neighborhood.



    Condos are also perfect for investors who want to purchase quickly, with no worries about investing in a vacant building. There are not many investments offering such a fast return, and condominium flipping is particularly popular among luxury buyers. A luxury buyer doesn't necessarily need to be trying to find a second home, either. He might just wish to upgrade his condo and move into a new location.



    The best time to invest in property is currently. Right now, the market is very good, and there are still plenty of good deals to be had. Nonetheless, this is also a period when investors have to be especially careful and cautious. Investors who aren't cautious with their investments might wind up losing their shirts, so it is important to use the resources and expertise of pandemic investment firms to make sure everything runs smoothly.



    How does investing in luxury condos work? Among the advantages of investing in a high-end construction is that it's a good fit for investors who prefer to invest in speculative property. That means they want to see immediate gain, even if they are not getting an original purchase cost. Investors in this type of property should expect the profits to begin trickling in after a few decades. It takes time, but the cash will eventually start increasing. Investors at a luxury area such as Times Square origami's Brickell or San Francisco's Presidio Square ought to be able to expect a steady flow of income for several years to come.



    Another advantage of buying real estate condos is that it allows investors to be somewhat flexible in their investment choices. To put it differently, they can opt to purchase one of these condos when they are ready to move to a new location or when they wish to change their thoughts and rent it out. Additionally they have the liberty to set their own rules and regulations and can choose to lease it out to a different tenant. This makes it easy to get an investment property for any use. With most condos, however, there are rules and regulations regarding tenants and you should know of them prior to investing your money in a condo.



    In general, high-end buyers want to locate properties which are in prime places where they could enjoy living for years. In addition they want properties with ample parking, amenities, shopping and transportation connections. The very best way to get these properties would be to put money into high-end condos off the market.

  • 10/03/2021 13:00

    เข้าใจกองทุนสำรองเลี้ยงชีพประโยชน์ต่างๆที่บริษัท-พนักงานได้รับจากกองทุนสำรองเลี้ยงชีพ

     


    กองทุนสำรองเลี้ยงชีพคือกองทุนแบบสมัครใจระหว่างนายจ้างเเละลูกจ้างกองทุนสำรองเลี้ยงชีพหรือ provident fund เป็นรูปแบบสวัสดิการที่บริษัทเอกชนหรือรัฐวิสาหกิจให้ไว้เป็นเงินออมสะสมสำหรับลูกจ้างซึ่งอยู่ภายใต้พระราชบัญญัติกองทุนสำรองเลี้ยงชีพ
     

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    - เงินสะสมเป็นเงินที่ลูกจ้างยินยอมให้นายจ่ายเข้ากองทุนทุกเดือนตามกฎหมายให้สะสมได้ 2 - 15% ของเงินเดือน
    - เงินสมทบเป็นเงินที่นายจ้างจ่ายสบทบเข้ากองทุนให้ลูกจ้างตามกฎหมายให้สมทบได้ไม่ต่ำกว่า 2 - 15% ของเงินเดือน

    นายจ้างจะนำเงินในกองทุนนี้ไปจัดการผ่านบริษัทหลักทรัพย์จัดการกองทุน (บลจ.) ที่เป็นผู้เชี่ยวชาญด้านการลงทุนนำเงินไปบริหารต่อยอดเงินต้นให้ได้ผลงอกเงยจากตราสารหนี้ตราสารทุนหุ้นกู้หุ้นสามัญอื่นๆ เเละนำมาเฉลี่ยให้กับสมาชิกในกองทุนตามสัดส่วนเงินของแต่ละคนถืออยู่ ในทุกเดือนบริษัทจะส่งรายงานผลการจัดการกองทุนให้ลูกจ้าง

    เงื่อนไขที่บริษัทกำหนดไว้ในข้อบังคับกองทุนสำรองเลี้ยงชีพ
    นายจ้างส่วนใหญ่จะกำหนดสิทธิรับเงินสมทบและผลประโยชน์ของเงินสมทบที่ลูกจ้างพึงได้ตามอายุงาน เพื่อเป็นแรงจูงใจให้ลูกจ้างทำงานกับนายจ้างต่อยกตัวอย่างเช่นลูกจ้างที่มีอายุการทำงาน 1- 5 ปีได้รับเงินส่วนของนายจ้าง 50% และลูกจ้างทำงานครบ 5 ปีขึ้นไปได้ 100% เมื่อลาออก
    ถ้าลูกจ้าง A ทำงาน 2 ปีเเละต้องการลาออก ก็จะได้เงินในส่วนที่ตัวเองสะสมไว้เเละผลประโยชน์จากเงินสะสมเต็มก้อน และได้รับเงินสมทบเเละผลประโยชน์ของเงินสมทบที่เป็นส่วนของนายจ้าง 50% เป็นต้น

    ประโยชน์ของกองทุนสำรองเลี้ยงชีพ
    กองทุนสำรองเลี้ยงชีพเป็นหลักประกันทางการเงินให้กับลูกจ้างลูกจ้างได้ออมเงินอย่างต่อเนื่องมีเงินสมทบนอกเหนือจากเงินเดือนที่นายจ้างสมทบจ่ายให้ลูกจ้างได้รับสิทธิทางภาษีเเละยังสามารถนำไปใช้ในยามเกษียณลาออกจากงานทุพพลภาพหรือเสียชีวิต

    การรับเงินจากกองทุนสำรองเลี้ยงชีพ
    บริษัทที่มีกองทุนสำรองเลี้ยงชีพให้ลูกจ้างจะไม่มีการจ่ายดอกเบี้ยหรือเงินปันผลให้สมาชิกระหว่างเดือน แต่จะจ่ายเงินคืนทั้งก้อนที่เป็นเงินสะสมเเละผลประโยชน์จากเงินสะสม ให้ลูกจ้างเมื่อสิ้นสุดการเป็นสมาชิกเช่นลาออกจากงานเกษียณอายุเป็นต้นนอกจากนี้กองทุนจะไม่ให้สมาชิกถอนเงินออกบางส่วน เพราะจะเป็นการเปิดโอกาสให้สมาชิกนำเงินไปใช้ซึ่งไม่เป็นไปตามวัตถุประสงค์ของการออมเงินเพื่อไว้ใช้หลังเกษียณ


    สนใจปรึกษาเกี่ยวกับกองทุนสำรองเลี้ยงชีพติดต่อบลจ. พรินซิเพิล https://www.principal.th/th/provident-fund

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