Significa: Cadastro de pessoa Física.

Ele armazena informações sobre determinada pessoa, além de poder ser usado para a identificação da mesma.

Todos podem ter CPF, mas não é obrigatório até os 18 anos!

12h04 – É Seu Direito – Lei Antifumo

12h35 – Plano Geral – Infraestrutura do Paraná

13h30 – CCJ ao vivo

14h30 – Sessão ao vivo

17h00 – Onde Você Estava? – Copa de 1950

– Aqui é Assim – Pianista

– PR399 – Piraí do Sul

– Sabe Como? – CPF

– O Dono da Rua – Dr. Zamenhoff

18h00 – TelejornAL ao vivo

18h30 – Marca Paraná – Crédito

19h30 – É Seu Direito – Lei Antifumo

20h05 – Reprise Sessão

23h30 – Reprise TelejornAL

– Perfil Parlamentar – Kleiton Kielse, Augustinho Zucchi

MATI – MATICHON PUBLIC COMPANY LIMITED
新聞社大手マティチョン取締役会は、印刷工場建屋、輪転機、土地をピカネート氏より1億バーツで買収を決定。

SAMART – SAMART CORPORATION PUBLIC COMPANY LIMITED
タイと、カンボジアの接続航空管制管理についてCanbodia Air traffic Services社(CATS)から、一時移管を受ける。

CNS – CAPITAL NOMURA SECURITIES PUBLIC COMPANY LIMITED
マーケティング要員30名を新規採用へ。現在の100名体制のマーケティングチームの自然減の補充。新体制を構築へ。

CGS – COUNTRY GROUP SECURITIES PUBLIC COMPANY LIMITED
香港のブローカー買収交渉は終結。支払いは本年度末頃と見込まれる。

TRT – TIRATHAI PUBLIC COMPANY LIMITED
2010年度の売り上げ目標は本年と同様な25億バーツで、当初予想利益は27.5%程度。

CPN – CENTRAL PATTANA PUBLIC COMPANY LIMITED
ルンピニ・ナイトバザールの土地使用委託契約は、無期限延期へ。また2010年度中盤には中国への投資を計画。

QLT – QUALITECH PUBLIC COMPANY LIMITED
本年度の売上、利益ともに15%の成長。来年度は10-15%の成長を計画。

SMC – SMC MOTORS PUBLIC COMPANY LIMITED
ビジネスラインを、現在の不動産業よりあと2~3増やして多角化する調査を開始。

CPF – CHAROEN POKPHAND FOODS PUBLIC COMPANY LIMITED
タイの格付け会社トリスレーティング社は、CPFの新規発行社債84億バーツについてA+、安定の評価。

STAR – STAR SANITARYWARE PUBLIC COMPANY LIMITED
昨年よりも本年のほうが好調。2010年は新商品4-5品目を追加へ。

BCP – THE BANGCHAK PETROLEUM PUBLIC COMPANY LIMITED
本年度末は中国からの需要に押されて、原油価格はバーレル当たり85ドルと予想。来年も利益が続伸と予想。

KIAT – KIATTANA TRANSPORT PUBLIC COMPANY LIMITED
2009年第4四半期も成長を継続。利益は4億8千万バーツで昨年度を超えた。

CI – CHARN ISSARA DEVELOPMENT PUBLIC COMPANY LIMITED
本年Q4、及び通年でも利益は伸びる。2010年度の通期成長は10%を見込み、来年度初頭には不動産ファンドからのエキジットを計画。

AI – ASIAN INSULATORS PUBLIC COMPANY LIMITED
本年度は利益は昨年と同程度であったが売り上げは昨年より落ちた。来年度は利益30億バーツ越えを目指す。

GRAMMY – GMM GRAMMY PUBLIC COMPANY LIMITED
本年2009年度は純利益は20%の減益であると認める。が、来年度は経済の回復と、広告によって売り上げは伸びると予測。（Info Quest 11月19日配信）

にほんブログ村

By Zakir Hussain

 MORE than 30,000 older CPF members have committed over $1.2 billion to a new annuity scheme since its launch two months ago.

click here to read full article

By Zakir Hussain

However, these opt-ins to the CPF Life scheme add up to less than 5 per cent of the more than 700,000 Singapore residents aged 55 and older who are eligible to sign up for it.

Asked about the low proportion, Minister of State for Manpower Lee Yi Shyan told reporters yesterday that 30,000 is ‘a significant number” when compared to only about 71,000 private-sector annuities bought by individuals.

He also pointed out that in the pool of 700,000 older CPF members are some who had passed the age of 62. These folk would have started drawing on their CPF savings and may not want to switch to the new CPF Life.

Also, some may have bought their own annuity schemes, he added.

Other reasons he gave are: lack of savings, confidence that they can rely on family members and other sources of retirement income.

Noting that CPF Life is still in its infancy, he said: ‘I think we have made a good start.’ He expects more people to opt in as they become more aware of it from the increasing outreach efforts.

Mr Lee made these comments when he gave an update on CPF Life on the sidelines of a CPF Board briefing to members turning 62.

The CPF Life scheme was announced last year to help tackle the problem of an ageing population with inadequate retirement savings to keep pace with longer life spans. The new annuity gives a steady income stream for life, instead of 20 years under the current CPF Minimum Sum scheme.

It will apply automatically to those who turn 55 from 2013 with at least $40,000 in their CPF savings.

In the meantime, older CPF members can opt in.

The CPF Board said those who have reached the draw-down age of 62 will receive their first Life payout on Jan 5, and there are about 10,000 of them.

It added that a large number of those who have signed up also qualified for the L and V bonuses totalling more than $60 million. These bonuses of up to $4,000, are to coax the less well-off and older members to opt for the new annuity.

The L-Bonus will be given to around 72 per cent of those who opted in while about 75 per cent will get the V-Bonus.

The Board added that 53 per cent of those who signed up will get both bonuses.

CPF Life consists of four plans with varying monthly incomes and bequests to loved ones.

More than half of those who opt in chose the Life Plus plan, which gives a higher payout and the smallest bequest.

Among them is U Kyaw Zaw, who signed up at a roadshow in Bukit Batok in September and turns 62 next month.

He opted in as the payout of between $570 and $600 that he would receive from January would be similar to the amount from the Minimum Sum scheme.

‘I get pocket money if I live past 85, although the trade-off if I do not is that most of the money goes into the pool,’ said the financial adviser.

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I REFER to last Friday’s letter by Mr Manuel Nathan, ‘State assured minimum sum for CPF Life’.

CPF Life is designed to provide members with lifelong income. For greater stability in retirement income, Life monies are invested in special government bonds paying fixed coupon rates for longer periods than today.

Click here to read full article

I REFER to last Friday’s letter by Mr Manuel Nathan, ‘State assured minimum sum for CPF Life’.

CPF Life is designed to provide members with lifelong income. For greater stability in retirement income, Life monies are invested in special government bonds paying fixed coupon rates for longer periods than today.

Life funds will earn the weighted average interest rate of the entire portfolio of bonds and every Life member will enjoy the same rate.

It is not meaningful to compare CPF Life with other annuity schemes as they are designed on different premises.

We would also like to assure Mr Nathan and all Central Provident Fund members that the same mortality experience will apply to all four CPF Life plans.

Members who sign up for CPF Life can rest assured they will receive payouts for as long as they live.

Lo Tak Wah
Director (Retirement and Investment)
Central Provident Fund Board

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Un certain nombre de supporters de foot algériens (d’ailleurs presque tous de nationalité française) ont pris, ces derniers temps, et pas plus tard qu’hier, la très fâcheuse habitude de tout casser et brûler sur leur passage lorsque l’équipe de foot d’Algérie joue un match de qualification pour la coupe du monde de footbal de 2010, que celle-ci perde ou gagne le match… !!! Les habitants des principales métropoles françaises sont devenus otages des pulsions violentes d’une partie de la jeunesse française d’origine algérienne. Vitrines et abribus brisés, voitures et poubelles incendiées, circulation automobile bloquée, tapage, jets de projectiles et de fumigènes contre les forces de l’ordre, … Tel est le spectacle auquel un nombre croissant de Français assiste désormais depuis maintenant quelques semaines. Une question cruciale pour l’avenir de la France se pose : jusqu’à quand les Français vont-ils tolérer cette situation quasi insurrectionnelle ? Faudra-t-il, désormais, avant de sortir de son domicile, se renseigner si l’équipe de foot d’Algérie joue aujourd’hui ? A Marseille, la situation devient très préoccupante, à tel point que le si xénophile maire Gaudin s’en est indigné… Il est plus que temps de mettre un coup d’arrêt à ce genre de ” traditions “, avant que la France entière ne devienne une gigantesque zone de non-droit… 

While seemingly attractive, the fine print states that the payout range is based on the CPF interest rate of between 3.75 and 4.25 per cent and does not represent the lower and upper limits of the payout.

Click here to read full article

While seemingly attractive, the fine print states that the payout range is based on the CPF interest rate of between 3.75 and 4.25 per cent and does not represent the lower and upper limits of the payout.

The monthly payout may be adjusted every year to take into account factors such as CPF interest rate and mortality experience, the CPF Board explains.

These points are often overlooked by senior citizens, and mean the lowest payment could sink to as low as $10 for the Life Income Plan, which advertises in bold a range of between $408 and $444 for $40,000.

This may be unfair, especially for the Life Income Plan, as one does not leave a cent behind to any beneficiary with this policy, should one die soon after taking it up.

The CPF Board should therefore state for each annuitant who signs up for its CPF Life plan, the assured minimum sum per month, although the maximum amount could indeed vary.

Previous annuity schemes have always stated their assured minimum sum.

Not to do so, and to bury these facts in fine print, is not being transparent and upfront.

If more people live longer, your monthly payout may be lower, and vice versa. The CPF Board should also state if this mortality factor will apply jointly to all four CPF Life annuity schemes, or individually to the four schemes.

If it is not applied jointly for all policies, a situation could arise in which the highest yielding policy scheme could go lower than the lowest yielding policy scheme, depending on the mortality factor of these separate policies.

This is despite the fact that one naturally expects the highest yielding policy to yield a higher annuity, as that policy leaves nothing behind for any beneficiaries.

Manuel Nathan

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///
/// formata um valor sobre uma mascara
///
/// valor a formatar
/// no formato ex.:##/##/#### ou ##.###,##
/// valor formatado
public static string Formatar( string valor, string mascara )
{
StringBuilder dado = new StringBuilder();
// remove caracteres nao numericos
foreach ( char c in valor )
{
if ( Char.IsNumber(c) )
dado.Append(c);
}
int indMascara = mascara.Length;
int indCampo = dado.Length;
for (; indCampo > 0 && indMascara > 0; )
{
if ( mascara[--indMascara] == ‘#’ )
indCampo–;
}
StringBuilder saida = new StringBuilder();
for (; indMascara < mascara.Length; indMascara++)
{
saida.Append( ( mascara[indMascara] == '#' ) ? dado[indCampo++] : mascara[indMascara] );
}
return saida.ToString();
}

///
/// Formata o CPF para o padrão ###.###.###-##
///
/// CPF a ser formatado
/// Retorna o CPF formatado
public static string FormatarCpf(string cpf)
{
cpf = cpf.Replace(“-”, “”).Replace(“/”, “”).Replace(“.”, “”);
return Formatar(cpf, “###.###.###-##”);
}

///
/// Formata o CNPJ para o padrão ##.###.###/####-##
///
/// CNPJ a ser formatado
/// Retorna o CNPJ formatado
public static string FormatarCnpj(string cnpj)
{
cnpj = cnpj.Replace(“-”, “”).Replace(“/”, “”).Replace(“.”, “”);
return Formatar(cnpj, “##.###.###/####-##”);
}

CPFは、ついに100億バーツ超えの最高益を記録する。売上高も3-5%の伸びで、利益の伸びのほうが売上高の伸び率よりも大きい。本年度の収益目標は前年度より5%アップで、食品事業が昨年度の利益に占める割合19%から大きく伸び30%にも達した模様だ。同時にロシアとフィリピン、あるいは中東地域の市場の拡大が利益の伸びの貢献した。（カオフン紙　11月11日配信）

Está mesmo nos últimos dias mas nem por isso devem perder esta exposição no CPf. A exposição ‘Nas fronteiras do mar’ é uma viagem pelo tempo e pela memória, seja ela individual ou colectiva. Para isso o fotógrafo captou pequenos instantes suspensos entre o passado e o presente numa linguagem visual interessante e que serve os propósitos do seu conceito; apresentada através de fotogramas de cor pálida e ‘dessaturada’ com uma ligeira dominante amarela, também aqui o fotógrafo joga magistralmente bem com o (tempo) passado e com o conceito de amarelecimento das fotografias com o passar dos anos, fenómeno bem conhecido de quem guarda fotografias como memórias e recordações.


No entanto acho a exposição algo desequilibrada, talvez com algumas imagens a mais do que realmente devia, o que não ajuda à leitura do trabalho no geral. Talvez com menos imagens fosse possível chegar ao fim com uma visão clara da intenção do fotógrafo mas a exposição foi montada assim e é assim que a devemos ver e analisar, a montagem segue a tradicional fila de molduras o que neste caso é neutral, apesar de ter a opinião que nestas salas o CPf poderia fazer o que faz nas salas do andar de baixo ou seja experimentar outro tipo de montagem.
No geral é um trabalho satisfatório, com uma noção marcada de tempo vivido e de memória em confronto com um tempo estático e inamovível, com incerteza se é passado ou presente. É mais uma vez uma aposta num nome desconhecido do público mas com um currículo internacional forte e que deveria ter sido objecto de outra narrativa expositiva.
Está patente até o próximo dia 15 deste mês.

JUBILE – JUBILEE ENTERPRISE PUBLIC COMPANY LIMITED
初日はIPO価格2.8バーツに対して3.16バーツで取引を終えた。JUBILEは本年度成長を10%ほどを見込んでいるが、来年度も引き続き10%以上の成長を見込んでいる。

PTTAR – PTT AROMATICS AND REFINING PUBLIC COMPANY LIMITED
2009年度第3四半期の純利益は17.1億バーツ。昨年度同期は33.8億バーツであった。

SYNEX – SYNNEX (THAILAND) PUBLIC COMPANY LIMITED
2009年度第3四半期の純利益は7千4百万バーツ。昨年度同期は2千8百万バーツであった。

CEN – CAPITAL ENGINEERING NETWORK PUBLIC COMPANY LIMITED
- 2009年度第3四半期の純利益は3千6百万バーツ。昨年度同期は1億7百万バーツであった。
- CEN取締役会は現行の1株当たり5バーツの株を分割し、1株1バーツにすることを決議。

CPF – CHAROEN POKPHAND FOODS PUBLIC COMPANY LIMITED
2009年度第3四半期の純利益は41億2千万バーツ。昨年度同期は13億9千万バーツであった。

BCP – THE BANGCHAK PETROLEUM PUBLIC COMPANY LIMITED
2009年度第3四半期の純利益は21億5千万バーツ。昨年度同期は2億5千万バーツであった。

PERM – PERMSIN STEEL WORKS PUBLIC COMPANY LIMITED
2009年度第3四半期の純利益は7百60万バーツ。昨年度同期は4千9百万バーツであった。

PTT – PTT PUBLIC COMPANY LIMITED
- ガス配管4本、配管長300kmの投資計画あるも、裁判所の環境の人体への影響アセスメント(HIA)の判決を待って投資の予定。
- PTTはカンボジアとの国交問題の影響はないと語るも、カンボジア領内への投資は遅れると述べる。また、PTTのプラサリット社長はNGVの生産について、まだブレーキをかける気はないと語った。民間のガススタンドへの投資を期待することでNGV拡販の投資を抑えることができるとした。

KCE – KCE ELECTRONICS PUBLIC COMPANY LIMITED
来年度2010年の売り上げの伸びは、新規ビジネスを含まずに30%ほどの見込み。本年度Q3の売り上げも大きく伸びた。

LPN – L.P.N. DEVELOPMENT PUBLIC COMPANY LIMITED
2010年度の売上は100億バーツを超える130億バーツの計画。

KASET – THAI HA PUBLIC COMPANY LIMITED
2010年度の売上は、本年度の20億バーツより20-30%伸びる見込み。マージン率も上昇。

TCAP – THANACHART CAPITAL PUBLIC COMPANY LIMITED
グループ内の信用貸し金及びリース契約を入札販売。13億バーツ程度。

UMS – UNIQUE MINING SERVICES PUBLIC COMPANY LIMITED
2010年度は親会社のTTAが計画しているインドネシアの石炭鉱山の買収を含めて、販売量は本年度より30%伸びる予定。（Info Quest 11月10日配信）

にほんブログ村

Este fim de semana foi mais uma vez a festa da arte em Miguel Bombarda mas reconheço que passei por lá muito rapidamente, nenhuma exposição de fotografia à vista, muita gente na rua e para mim celebrar a arte não é coisa que se faça numa tarde de dois em dois meses, para mim é algo que se celebra todos os dias. Mas devo estar em minoria porque dada a afluência semanal às galerias, a festa deve dar só para um presença bimestral. Numa nota particular notei que nas ruas da zona onde existem galerias fora deste circuíto estavam às moscas, o segundo espaço da Fernando Santos, a pouco mais de cem metros da galeria principal em Miguel Bombarda, estava vazio…

Mas a proximidade do CPf salvou a tarde. Um dia destes tenho que realmente passar a escrito aquilo que guardo para mim sobre o CPf mas esta não me parece o tempo próprio mas algo vai mal debaixo dos tectos daquele edíficio que neste momento me leva a considerar que aquilo está sem um rumo definido e que mesmo em dia de celebração da arte não atrai público. De facto nas duas exposições que visitei, apenas um casal de espanhóis me fez companhia, o que diga-se em abono da verdade é absolutamente marginal para um espaço como aquele. Mas de volta às exposições…

Neste momento o CPf tem patentes duas exposições, a de J. Laurent e a de Giovanni Chiaramonte, a que dedicarei outro artigo em seguida. A de J. Laurent é um exímio exemplo do que o CPf é bom: fotografia de autor, histórica e com contexto à sua época.

De facto é uma exposição de fotografia histórica bem contextualizada e bem apresentada. Enquadra o trabalho na sua época e apresenta não só as fotografias originais mas também algum do equipamento utilizado para as fazer, livros e revistas da época. Interessante também a presença de catálogos de outras exposições deste fotógrafo um pouco por essa europa fora.

Como documento histórico é uma exposição bem conseguida e avassaladora no sentido que nos dá uma imagem do séc. XIX na europa e no nosso país e nos obriga a repensar onde estamos em face de onde viemos. Um documento interessante também pela técnica fotográfica e nesse aspecto imperdível.

Click here to read full article

The funds – including unit trusts and investment-linked insurance products – showed an average gain of 20 per cent for the three months to June 30 compared with the first quarter.

But for the one-year period to June 30, the average return of all CPF-approved funds fell 14.84 per cent.

This is because CPF-approved unit trusts fell 16 per cent while investment-linked insurance products retreated 14 per cent on average.

For the three-year period to June 30, the funds averaged an overall decline of 8.46 per cent, according to figures from fund intelligence firm Lipper, the Investment Management Association of Singapore and the Life Insurance Association yesterday.

The findings bear out anecdotal evidence that while markets have rallied and sentiment has improved, many retail investors are still sitting on paper losses.

‘If you look over a three-year or five-year period, most portfolios are still down,’ said Mr Gabriel Yap, senior dealing director at DMG & Partners Securities.

‘Generally, if you have a US-centric portfolio, you’re definitely down. It’s the same if you have a European-centric portfolio and a global portfolio measured by the MSCI, you’re likely to be still down.’

The data also indicated that the ‘best performing’ classifications for the CPF-approved unit trusts were the Indonesian and Indian stocks categories.

Equity Indonesia and Equity India, as they are termed by Lipper, gained 50 per cent and 53 per cent on average respectively in the second quarter.

The market rebound has been a key reason for the surge in fund value. Indonesia’s Jakarta Composite, for instance, has climbed more than 50 per cent this year, with the country avoiding the recession that has plagued its neighbours.

The performance of CPF-approved funds generally mirrors the findings of Fundsupermart earlier this year.

The unit trust distributor’s data showed that the average equity fund gained almost 25 per cent in the first six months of this year, rewarding investors who defied the global financial storm to put money into stocks and bonds.

Lipper’s senior research analyst for the Asean region, Mr Rajeev Baddepudi, said market expectations are for a recovery late this year or early next year.

‘While key issues concerning economic health persist – high unemployment rates and a preference for savings over consumption – it is encouraging that corporate earnings and GDP growth estimates for 2009 and 2010 are already being revised upwards,’ he said.

He noted that a return of investor appetite for risk and declining volatility were the main themes in the second quarter, with recessionary fears giving way to signs of improving conditions.

gabrielc@sph.com.sg

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