How to Secure Your Future: Advice Loans

IKZE is an abbreviation of the Individual Retirement Security Account, which is an element of the third pillar of the pension insurance system in Poland. It is a tool for saving for private retirement, which is characterized by tax benefits. Is it different from IKE and who can create it?

IKZE – how does the retirement pension method work?


The founding of IKZE begins with the selection of an institution authorized to run it. The most profitable, but also not carrying a big risk are voluntary pension funds and investment funds, to which NN Investment Partners (formerly ING Investment Management) recommended in many rankings, the offer of which is available at https: // www. . The account is credited with funds that can not exceed 1.2 times the average salary per year – this amount is given to public information every year. Cumulative and multiplied money can be withdrawn after the age of 65 (then only 10% tax will be charged), and in the case of early withdrawal, you must take into account the obligation to pay Belka tax, amounting to 19%. However, if you want to change only the service provider, we can do it without a problem, and if it happens after 12 months from signing the contract, the process will be free.

Who can set up an Individual Pension Security Account?

Who can set up an Individual Pension Security Account?

An account can be opened by anyone who lives in Poland and here settles income tax on natural persons. The age limit is 16 years of age, and persons to be of age must have a fixed income documented by a contract of employment. The Individual Pension Security Account can be held in parallel with IKE (that is, the Individual Pension Account , more on this later in the text).

Beam tax and income tax – IKZE tax benefits


The Individual Pension Security Account is endowed with two tax benefits. First, the profits obtained in this way are not subject to capital gains tax, i.e. the so-called Belka tax, which is 19%. We will only pay it if we decide to pay before the age of 65. You can look at this as a guarantee of retaining savings up to the retirement age. Secondly, the sum of money paid into IKZE can be deducted from personal income tax, which means that you can get a refund from the Tax Office.

Difference between IKE and IKZE

Difference between IKE and IKZE

There are several differences between IKE and IKZE. The first concerns the age censure valid for the payment of funds without the Belka’s tax burden. In the case of IKZE, as already mentioned, it is 65 years old. However, an IKE owner can do it already at the age of 60, or even 50 years (with almost a faster retirement). Another difference concerns tax breaks. In the case of an Individual Pension Account, we can not deduct the paid income tax money. However, there is no charge of 10% tax on the disbursement of funds after reaching retirement age. It is possible to have both accounts, but in practice it is best to analyze the possible profits and invest in one of the options.

The Payday Loan of Union Becomes United.

The loan of union becomes Younited Credit

The loan of union becomes Younited Credit


In order to reduce the financial difficulties, many opt for the loan. Often, these are complicated by the different procedures and protocols to follow, and again, the interest rates are lump sum compared to the proposals of the financial institution in question. As a result, most needy prefer to find other alternatives. Among these alternatives available to the public are loans-between individuals. It is here a question of PAP, that is to say ready from particular to particular. The best known is the Union loan but the latter has recently been changed in its nomenclature: now becomes “YounitedCredit”. The question then arises on this type of platform. In order to answer all related questions, it is more appropriate to provide more explanations on PAPs. has more information

What is a PAP

What is a PAP

The PAPs, first of all, is the diminutive acronym for ” Loan-to-Individuals “: as its name indicates, this is a loan agreement concluded between two persons (physical or legal), including the object relates to a loan or a loan, according to the conditions which they themselves define, materialized in a contract, which will serve as their law for the execution of their reciprocal obligations. The peculiarity of this system lies in the fact that banks never have to intervene. See for yourself the different offers and proposals of the YounitedCredit on the site .

What is YounitedCredit

What is YounitedCredit

YounitedCredit is a private legal entity approved by the ACPR and the AMF . It is one of the most popular online platforms for personal loans across Europe. It is above all its competitive interest rate that has made it the most attractive on the current market . It can be said that this is a safe platform given that since its inception the court of online financial exchanges, it has already been able to reap more than 320 million euros . Especially since the foreign exchange transactions it carries are long-term. It offers its subscribers a multitude of choices on the investments to be made, gives advice that is relevant enough for different kinds of operation that could be beneficial .

Membership conditions of YounitedCredit

Membership conditions of YounitedCredit

The conditions of membership are simple for the identification of the person and a certain assurance of the regularity of the existence of the person: the identity (name and certified address), as well as the financial situation in order to take no unnecessary risk. It ensures that the creditworthiness of its subscribers is ensured so that the claim is settled after the fixed deadline.

This practice has become quite common because the offers are more attractive and interest more than one . There are platforms available on the net to take out a loan of this kind.

Payday loans debt consolidation -Take a look at payday loan consolidation

Take a look at payday loan consolidation

More and more people are choosing to buy a car. Your own car is a great convenience. We can reach wherever we want, in a much shorter time. We drive whenever we want, we do not have to wait for buses or trains. Most people, however, buy their cars in installments, taking loans that can be very hard to pay off.

Buying a Car on Credit Makes Sense?

We can compare the car loan to a fee for convenience. In addition to the amount you must pay for the car, we must pay interest, which is an additional cost for us. Unfortunately, most people do not look at it in this respect. They want to have a new car and decide to buy it, although they can not afford to buy it for cash. They often pay off the car for 10 or more years.

However, we also find people who find out that the loan for buying a car is pure stupidity. After all, it is not something necessary to live. You can make a debt to buy a house or a flat, but to buy a car? There will be opponents as well as advocates of everything, including taking credits.

We can always decide to buy an older car, much cheaper than the new one. The used car market is full of vehicles from about PLN 5,000 to 10,000. For this, it is often necessary to count the costs of repairs, which within a few years can amount to as much as … the price of its purchase. We will certainly find something for ourselves on the used car market. We can not count on such a great comfort as in the case of new salon vehicles, and the lack of failure-free, but in return we get a product several or even several dozen times cheaper. Something for something.

When is it really worth taking a car in installments?

Even the cheapest car loan is associated with costs that we have to reckon with. We pay the car, but also pay the bank for lending us money. However, if the car is to serve us, it is often the only way to buy it. In addition, the new car is the best choice because we can count on its trouble-free operation for the first few years of use. Which is very important in the vehicle that is to serve us.

Car loan is stupid if we buy something that we can not afford, and also if we are not really using the car too much. If, however, the car is to serve us for work and everyday operation, it is worth considering the option of crediting its purchase.

Consolidation of Loans | Medical Forefront and Newer Data in Robotic Surgery

Businesses Technology

True to its commitment to lead medical advances by offering high-quality health services, the Athens Medical Group has been a pioneer for Robotics Surgery for 13 years, and has been supplying the latest Robotic Surgery system, da Vinci Xi HD , version 2019.

Robotic System at the Athens Medical Center

The new robotic system that has been installed and has been fully operational for a few weeks at the Athens Medical Center maintains and significantly improves the characteristics of the previous da Vinci Xi systems, which relate to the excellent three-dimensional vision and flexibility of surgical instruments, while offering new important features in the field of ergonomics and imaging.

The incorporation of ICG is particularly important for controlling organ perfusion, complicated liver bladder anatomy, localization of lymph nodes, and avoiding blood loss and intraoperative complications. Also, this particular system, a special order for the Athens Medical Center , also has its own stapling tools that facilitate composers’ bowel surgery for anastomosis to avoid colostomy, large and difficult hives and all oncology interventions. In this way, almost the need for open interventions is abolished, except in rare cases.

In addition, it provides intraoperative navigation, which is particularly important since, with the imposition of imaging examinations, such as CT scan, we know in real time the exact location of the lesion, better identifying the anatomy. The flexibility of his arms and the ability to manipulate in very narrow spaces make it easy for surgeons to perform oncology interventions.

The upgraded version 2019, sophisticated robotic da Vinci Xi HD system, with new and exciting capabilities enables experienced, multidisciplinary medical team (Multidisciplinary Team, MTD) of the Athens Medical Center to offer more and more patients humane and rapid recovery, surgical repair of their problem, either through multiple microtoms or through a Single Site, a technique applied in General Surgery in Southeast Europe, only by Dr. Konstantinos Konstantinidis, MD, PhD, FACS, Associate Professor of Surgery, Ohio State University, USA, Honorary President of the Hellenic Department of the American College of Surgeons, Scientific Director, General, Bariatric, Laparoscopic and Robotic Surgery Clinic, Athens Medical Center.

It is worth noting that since 2006, when the Robotic Surgery was held for the first time in Greece , more than 8,000 robotic surgeries of general surgery, urology, gynecology and pediatric surgery have been performed in the Athens Medical Group. At the same time, there have been world premieres , such as the first interventions of robotic cholecystectomy of a section, robotic semi-collectomy of a section, robotic rehabilitation of diaphorococcus for gastroesophageal reflux, robotic restoration of varicocele through a section, robotic bladder detachment of the pericardium, robotic thoracoplasty of a incision, single-section and one-section hysterectomy, as well as Whipple pancreatoctophytectomy. At the same time, trained doctors from the Group supported several scientific teams as official robotics trainers in Greece, Cyprus, Romania, Serbia, France, Latvia, Thailand and the United Kingdom, and participated in official seminars via the Internet.

The robotics departments of the Athens Medical Group are international centers of reference and excellence and cooperate with Universities in Greece and abroad. Among other things, the General, Laparoscopic, Bariatric and Robotic Surgery Clinic of the Athens Medical Center is recognized and accredited as the World Center of Excellence for Bariatric and Metabolic Surgery by the International Federation for Surgery of Obesity and Metabolic Disorders (IFSO). At the same time, doctors from the robotics departments are scientific members of leading educational organizations around the world, such as the IRCAD (Research Institute against Digestive Cancer) at Strasbourg University Hospital, which is considered to be the best robotic – laparoscopic urological “school “, The Reference and Education Center, ORSI Academy Belgium (Robotic Training Center and Pediatric Robotic Training Center), as well as the International Workshop in Robotic Surgery for Southeastern Europe and the Pan- rologikis Company (EAU – HOT Robotic Courses).

On the occasion of the procurement of the most modern Robotic Surgery system, d Vinci Xi H D, edition 2019 , the Managing Director of the Athens Medical Group, Vassilis Apostolopoulos said: “It is a fact that the future of health, globally, is indissolubly linked to the digital transition. In the Athens Medical Group, we are committed to being at the forefront of developments and preparing for new developments by constantly investing in new cutting-edge technologies and scientific innovation and innovation. For us, Medical Medical Group is a strategic choice and a long-term goal, and for the next 35 years, to continue to be the key Greek pole to ensure our country’s position in the transformation of the industry while, at the same time, a pioneer that finds daily application in our Group, to provide incentives and supplies for the repatriation of Greek scientific staff. ”

Dr. Konstantinos Konstantinidis said: “The Athens Medical Group is part of the international developments, as all the latest achievements of medical science apply to its clinics. Continuous investment in medical equipment, coupled with ongoing training, enables us to offer high quality medical services to thousands of patients, comparable to those of the best hospitals abroad. It is worth mentioning, among other things, the Single Site Robotic Surgery , which took place in Greece for the first time in 2011, and more than 500 interventions of this kind have been successfully carried out since then, firefly technology “and” digital surgery “. All of the above methods are part of the rapid advances in technology, aiming to deliver the best result to patients who have been trusting us all these years to operate safely, safely, while ensuring rapid recovery without complications. “