07.12.2021
NON-WORKING DAYS IN 2022
In 2022, 248 days are working days and 16 are public holidays. Here is the current calendar of public holidays and weekends in 2022:
According to the Labor Code, when public holidays, with the exception of the Easter holidays, coincide with Saturday and/or Sunday, the first or first two working days thereafter are absent.
Employers are obliged to allow employees who profess a religion other than the Eastern Orthodox one to use part of the annual paid leave or unpaid leave for the days of the respective religious holidays, but not more than the number of days for the Eastern Orthodox religious holidays. The days for the religious holidays of the denominations, other than the Eastern Orthodox one, are determined by the Council of Ministers on the proposal of the official leadership of the respective denomination.
07.12.2021
ENTREPRENEURSHIP: 20 HABITS THAT PREVENT US FROM GETTING RICH
Most of us have bad habits that stop us. If you can get rid of them, you should be able to understand that becoming a millionaire is not as far from reality as you think, writes serial entrepreneur John Rampton at Entrpepreneur.com. We all want to be like that.
Sleep until noon and work 12 or more hours to catch up. Rampton says he fully understands this because he has had the same problem for years. We are not all active in the morning, and he says he still stays in bed on cold and rainy mornings.
Successful people get up early, usually before everyone else in the home, so they can start early, catch up on the news, answer emails and play sports without sacrificing their time with family.
"When it comes to health, habits can be bad," Thomas Corley wrote in his book, "Change Your Habits, Change Your Life."
When you are not in good health, you are tired, less productive and more stressed, which makes you much more likely to get sick. How can you focus on your health if you fight these factors every day?
People with money invest the time and effort needed to expand their knowledge to be informed about what is happening in their industry, learn from others and take responsibility for continuing to innovate.
People with a lot of money have several sources of income. This means that those of us who want to be rich must invest part of our income to cover our debts and set aside funds for pensions and investments.
That doesn't mean you have to find a second job while you wait for the results (which isn't really a bad idea if you don't have another option). This can be something you enjoy, such as writing about technology. You can do it on a blog and start earning passive income from the market.
Everyone has to make a budget and stick to it, but unfortunately there are many people who do not. Because they cannot see if they are spending more than they are earning, this often leads to financial problems. If this is the case for you, you need to start limiting unnecessary expenses and talking to a financial advisor.
"According to my research, 95% of the poor do not save, and most of them accumulate debts to finance their way of life. As a result, they have no money for their pensions, their children's education or the opportunities they have. are opening up, "writes Tom Corley in his book.
Just as Corley says, "Failure to save and spend more than you earn creates a long-term poverty from which there is no hope of escape."
You may think that if you spend money on coffee every day, it will not affect your wallet. The same goes for the monthly fitness card, which you rarely use. Despite the fact that on a large scale these are small costs, they accumulate quickly.
For this reason, the budget can be particularly useful. It helps you manage these small expenses so that you can focus on the important things. Remember to keep only the subscriptions you actually use.
Replace the toxic and negative people in your life with those who are optimistic, motivating and supportive. "You will only succeed in life if you surround yourself with the right people," says Corley.
It's one thing to say you want to be a millionaire, it's another to start working in that direction. If you want to get out of financial stagnation, then you need to take action as soon as possible. If you use the services of a financial specialist to adjust your budget, this would be a great step in the right direction instead of just thinking.
"There is no such thing as getting rich quick"; "Financial success requires time and initiative, as well as tireless efforts"; "People who gamble are deluded that there is a short cut to success," Corley wrote.
Instead, millionaires "get used to pursuing their dreams and goals."
On the other hand, excessive alcohol consumption prevents you from getting rich because it impairs your memory, ability to think clearly and your health. This does not mean that you can not drink from time to time. However, do not make alcohol consumption a habit.
"Rich people have small TVs and big libraries. Poor people have small libraries and big TVs," says Zig Ziglar.
Don't get me wrong. Rampton says he also enjoys watching Netflix from time to time. However, as Corley says, the rich prefer to read, play sports or get an education instead of wasting time watching TV. "The productive use of time is a hallmark of millionaires."
"The waste of time belongs to the poor," says Corley.
Rampton says he is sure that if he had a mentor years ago, he would have gotten richer by then. He says this because he believes he would have learned from the successes and failures of someone who has developed in a particular field, and the advice he received would have prevented many of his mistakes.
Instead of looking for a mentor, you can just look around. They are everywhere. You can get advice from a university lecturer or from your parents.
Taking risks and stepping out of your comfort zone is worrying. Rampton says he understands this, but you will not be financially successful until you make that leap. This is a habit that works very well with Bill Gates, Larry Ellison and Warren Buffett.
"The pursuit of happiness requires risk, and most people don't take risks and are therefore not rich," says Corley.
You don't know everything. Set your ego aside for a moment. This is bad news, but it is a fact and will prevent you from getting rich until you do something about it, writes Rampton.
He says he has learned the hard way that trying to know the future leads to failure and bad decisions. If you are unsure about an investment or idea for your business, do not hesitate to seek feedback and advice.
Entrepreneurs carry failure as a sign of honor. That doesn't mean they like it or want to fail. Going bankrupt and losing almost everything you have is bad, but these obstacles in life are necessary to become as strong as possible.
Don't get this advice wrong. Failure is terrible, but you must not let it stop you. Take risks, and if you fail, learn from your mistakes and move on.
Rampton says one of the best habits he's learned in recent years is to write down his goals every morning. This inspires him and encourages him to achieve them.
He claims that setting goals on a daily basis helps him prioritize them.
"Long-term success is only possible if you have a positive attitude," Corley wrote.
Here are some examples of the most common negative thoughts that most people can overcome:
- You doubt yourself. Training, education and mentoring can change this thinking.
- You believe that your goals cannot be achieved. Focus on achieving your daily goals and motivate yourself.
- You have bad grades. Grades do not determine success. Ask Richard Branson, who overcomes dyslexia.
- The competition is too great. You will never know until you try.
- Lack of concentration. If you lead a healthy life and set goals, it will keep you focused.
"Work will never make you rich. Nor saving money in a piggy bank. How then does wealth accumulate?"
This is achieved through tangible assets such as a profitable business, an increase in the investment portfolio or real estate investments.
Remember that your car and toys are responsibilities that take away income from your future wealth. Focus on acquiring things that will bring you money in the long run.
Apologies were one of the biggest obstacles between me and wealth, Rampton said. Making excuses is easy when you're trying to figure out why you have so many debts and if you don't have a six-figure income. To say that we want to "live for the moment" is an excuse not to work and not to create a better future. Stop making excuses and start working.
Popular entrepreneur and author Jim Ron has a simple formula for amassing wealth.
"Once you pay your taxes, learn to use 70% of your income for basic necessities and those considered luxury. It's important to see how you distribute the remaining 30% afterwards," says Ron.
He proposes that one third of them be donated to charity, one third to go to equity investments and one third to savings. At first you won't feel anything, but "let five years pass and the differences will be visible. 10 years later they will be completely serious."
07.12.2021
PIN IN BULSTAT REGISTER IS CONVERTED INTO A 9-DIGIT CODE FROM JANUARY 4, 2022.
The personal identification number in the BULSTAT register is converted into a 9-digit code from January 4, 2022.
This change does not require users to submit documents or applications, explained the Registry Agency.
From there they pointed out that the new 9-digit codes will provide protection of personal data of individuals registered as self-insured in BULSTAT, whose code is currently 10 digits and matches their PIN.
The change affects more than 300,000 people in Bulgaria.
It is in implementation of the General Regulation on Data Protection and the latest amendments to the BULSTAT Register Act.
Users will be able to get information about their new 9-digit code on the website of the BULSTAT register - www.bulstat.bg, in the "References" section after January 4, 2022.
07.12.2021
IN WHICH SECTORS ARE THEY LOOKING FOR WORKERS
In November, the number of job advertisements continued to decrease, as compared to October it was by 5.9% less, it is clear from the monthly analysis of the dynamics of the labor market in our country on a job placement platform. The total number of offers on job sites in the country in November was just over 40,000, and compared to November 2020 they are as much as 86% more.
The downward trend is observed in almost all sectors, with growth only in the Accounting, Auditing, Finance (8%) and IT (1%) sectors.
In other sectors the number of advertisements decreased as follows: "Health and pharmacy" (-0.4%), "Marketing and advertising" (-1%), "Administrative and service activities" (-3%), "Manufacturing" (-6%), Hotels and restaurants (-7%), Trade and sales (-8%), Construction (-12%) and Logistics and transport (-12%).
Reporting on an annual basis
Compared to November 2020, however, the picture is quite different - there is a double-digit and even three-digit growth in job advertisements in each of the sectors. We remind you that during this period in 2020 we reported one of the lowest levels of published ads since the beginning of the pandemic, surpassed only by those in March 2020.
Although in the last 6 months there has been a slight but steady decline in ads in the hotel and restaurant sector, their number compared to November last year was as much as 249% higher.
Compared to 2020, the growth of proposals in the sectors "IT" (126%), "Accounting, Auditing, Finance" (115%) and "Administrative and Service Activities" (109%).
The annual growth of ads in other sectors is: "Trade and sales" (92%), "Marketing and advertising" (81%), "Production" (72%), "Logistics and transport" (65%), "Health and pharmacy" (56%) and "Construction" (52%).
In the share distribution of job advertisements, the Trade and Sales sector is still leading with 21%. The share of the IT sector continues to grow and in November the number of proposals in it was 19% of the total number of ads in the country. In third place is "Production" with 15%, followed by "Administrative and service activities" (11%), "Hotels and restaurants" (9%) and "Logistics and transport" (8%).
For the first time, the number of advertisements in the Accounting, Auditing, Finance sector (5%) exceeds that in the Construction sector (4.8%) and so they exchange eighth and ninth place in the share distribution. Last in it are the sectors of Health and Pharmacy (4%), Marketing and Advertising (3%) and Art (1%).
Work from home
Proposals for work from home and/or telecommuting increased by 3% compared to October. Their share in the total number of ads is 14.8% or 1 in every 7 ads already gives us the opportunity to work remotely.
These proposals are most numerous in the IT sector (67%), work from home is also offered in the field of "Administrative and service activities" (14%) and the outsourcing industry (13%) and "Trade and sales” (5%).
In October, we mentioned the appearance of a green certificate (certifying the completed cycle of vaccination against COVID-19 or its recovery), as a requirement in some job advertisements.
Although their number increased in November, they still account for only 0.4% of all offers in the country. The advertisements in which this requirement is present are mainly in the sectors "Hotels and restaurants", "Services" and "Trade and sales".
Offering by cities
Half of all proposals in the country are concentrated in the capital, and together with those in other leading regional cities account for 75% of all ads. The proposals are distributed as follows: Sofia (50%), Plovdiv (10%), Varna (7%), Burgas (3%), Ruse (3%) and Stara Zagora (2%).
07.12.2021
NEW PROGRAM FOR BGN 150 MILLION TO HELP BUSINESSES IN THE COVID CRISIS
The National Guarantee Fund (NGF) of the Group of the Bulgarian Development Bank (BDB) and the Black Sea Trade and Development Bank (BSTB) signed an agreement on a new guarantee instrument to support small and medium-sized businesses in Bulgaria in the context of the coronavirus pandemic. of the Ministry of Finance.
This agreement will provide a resource of BGN 150 million to hundreds of small and medium enterprises in various sectors with reduced security requirements and lower interest rates.
The signing ceremony was opened by Deputy Finance Minister Monika Dimitrova-Beecher, who is also Bulgaria's manager at the Black Sea Trade and Development Bank.
"As Governor of the Black Sea Trade and Development Bank for Bulgaria, I am confident that the agreement is in good hands and the beneficiaries will benefit from the guarantee instruments provided," said Deputy Minister Beecher.
The program will be implemented through commercial banks, guaranteeing 80% of the loans provided. The National Guarantee Fund is about to send invitations to all banks in Bulgaria, and the guarantee limit will be distributed according to the submitted applications. The deadline for their inclusion is the next two years. The warranty will remain valid for another 36 months after its expiration.
The Executive Director of the National Guarantee Fund Todor Todorov and the President of the Black Sea Trade and Development Bank Dmitri Pankin stressed that this is the first joint guarantee instrument for risk sharing between the two institutions and the first with a shared guarantee in the NGF portfolio.
06.12.2021
RECORD SALARIES FOR TRACTOR DRIVERS IN ROMANIA
Tractor drivers' salaries in Romania continue to rise. More precisely, the mechanics on the farms. The highest salary is registered in the western part of the country. There, a tractor driver can receive up to 14,000 lei (5,500 leva) per month, as long as he is able to work with modern equipment, often costing hundreds of thousands, informs Agrointel.ro.
The net salary that farmers offer for the position of tractor driver on a farm in our northern neighbor starts at 3,000 lei (1,185 leva) and could reach the equivalent of 5,500 leva, according to data collected by romania.europalibera.org.
In farms in the southern part of the country, as well as in the east and northeast, the minimum income of a tractor driver is 3000 - 4000 lei (1185-1580 levs). Wages of 6000-7000 lei are not uncommon.
The record for the highest average salaries is held by mechanics from Transylvania. The salary of a tractor driver working on Dimitri Muska's farm reaches 14,000 lei. Muska owns a farm in Arad. His farm holds the record for the highest salaries of tractor drivers. It covers an area of 7,500 hectares and has about 500 employees.
Tractors at CAI Curtici in Arad also receive high incomes. Especially those who work on high-performance combines or other modern agricultural machinery. In this category the salary exceeds 10,000 lei.
Those who operate older equipment receive lower pay. The lowest salary is 4,000 lei (1,580 leva) for employees who work on cheaper equipment. I have several employees who receive 12,000 - 14,000 lei (BGN 4,700 - 5,500) per month, says Dimitri Muska.
Romania's Ministry of Agriculture recently released data showing that at least 300-400 tractor drivers have left their jobs.
06.12.2021
FOUR GENERATIONS WORK TOGETHER IN BULGARIA, WITH GROWING DIFFERENCES
The workforce is aging. Almost every company already has four generations of workers, and the age difference between the youngest and the oldest staff members is large.
Unified, universally valid company systems and views on staff motivation and incentives are no longer effective because each generation holds on to a certain type of work incentive.
This shows the conclusion of a project implemented by the Bulgarian Industrial Association (BIA) and CITUB.
The project was presented by Dr. Tomcho Tomov - Director of the National Center for Competence Assessment at the Chamber, informs BTA. The OPHRD project explores the issue of an aging workforce and makes suggestions on how different generations can work better together.
In our country the labor force decreases by 40-60 thousand people every year.
In the last 15 years the economic activity and employment of people of pre-retirement and retirement age in Bulgaria has increased significantly and is the highest compared to all other age groups. In 2019 in Bulgaria 55% of men and 44% of women aged 55-74 are economically active. The working age population in 2020 is 64%, in 2050 it will be 56%, said Tomov. The data show that currently employed over 55 years are 702,500 people or 23% of the workforce, and estimates are that by 2035 they will reach and exceed 36% or one million and two hundred thousand people.
The number of older people who want to continue working is increasing.
They are also a reserve on the labor market that must be used. The problem is that each generation sticks to a certain type of incentives and working conditions, perceives their impact differently and tends to mobilize its work potential and energy also differently, experts say.
According to them, diversity management is not a preference of one generation over another, but the use of each generation's strengths in the interests of work. The next phase in people management is coming, which requires a transformation of HR policies - from those that put the company at the center to those that put the employee at the center.
What else does the project find?
We work to live, we live to work, we work to have fun - different values and motivations
On the labor market in Bulgaria there are four specific generations of the workforce, which have some similarities, but also deepening differences in their needs, values, motivation, expectations, attitudes, communication, behavioral patterns, attitudes to technology, to work, to change and to the authorities, the project states.
Generation Z are employees aged 18-26. This is the digital generation, which makes up about 11% of the workforce. Generation Y ("Millennium") are workers aged 27-39 who make up about 26% of the workforce, analog generation or Generation X are workers aged 40-54. They are about 40% of the workforce, and generation T (paper generation) - workers aged 55-65 and over, are about 23% of the workforce.
Each generation is motivated differently. The youngest, those under 26, work to improve and have fun. It is important for them to have a high salary, to work in a reputable company with modern technologies. They need diversity and challenges, continuous training. People aged 27 to 39 work to achieve and succeed. They are looking for opportunities for development, fair evaluation and immediate incentives. They hold on to autonomy and independence, as well as to effective organization.
The generation that makes up 40 percent of the workforce - people aged 40-54 - works to make a living. Holds on to high pay. It is motivated by predictability and stability in the work, by competent management. He wants there to be no strict rules, the workload to be moderate, to have good relations in the team.
The paper generation, that of the oldest workers, 55 to 65, lives to work. He wants security in the workplace, healthy working conditions. It is motivated by clear and strict rules, moral values, respect and esteem. Motivation for older workers is also to provide them with the opportunity to pass on knowledge and experience.
People aged 40-50 are openly opposed to change, older workers know that change is needed, but they are afraid of it and experience it in secret.
For the youngest workers in Generation Z, change is an internal necessity. They have a high tolerance for change, moderate anxiety, dissatisfaction with the current situation moves them forward and motivates them to constantly develop.
Workers aged 27-39 are the most confident in their abilities, they are looking for chances for success and development, they are tolerant of change, they want a new challenge. The best-represented percentage generation in the labor market (people between the ages of 40 and 54) experience high anxiety and low tolerance, and open resistance to change. It threatens their security, stability and predictability.
The oldest feel change as an external necessity. They perceive themselves as people with merits left in the past. They experience low tolerance and high anxiety about change. They are unsure of their ability to meet the new requirements, but their resistance is hidden.
The Delayed Maturity Phenomenon
The phenomenon of "Delayed Maturity" in the younger generations is reflected in demographic problems. About two thirds of people in Bulgaria under the age of 30 live with their mothers and fathers - nearly 60% of young women and 80% of young men. Eurostat data show unequivocally that the richer the country, the earlier young people leave the family home, according to the project's findings.
In the other younger generation - Y, this phenomenon is also observed, but unlike Z, they are more affected by the accompanying financial problems, the consequences of economic crises, unemployment, increasing livelihoods. Generation Y is in no hurry to take on responsibilities in adulthood and because of the negative example of their parents, watching their parents divorce and have jobs that they constantly complain about.
The youngest are curious, but the traditional understanding of education as a value is beginning to crack
The traditional understanding of education as a value begins to crack in the youngest generation Z. They are curious and inquisitive, focused on continuous learning and development, but not in the conservative, classical way.
Due to the problems of the educational system in Bulgaria, the standard formal education is rather something that the generation accepts as obligatory, but meaningless. For Z, getting an education becomes "hacking" one. They understand that employers are increasingly focusing on competencies rather than diplomas. Disappointed with the quality of formal education, Z does not want to waste years in something that does not guarantee them a secure future, the project analyzes.
Generation Z realizes that they can make their way as they prepare for their careers by combining various short-term or distance courses, online certification programs, along with gaining real-world practical experience.
Happiness, high income, security and dignity - the different values of the four generations
The results of the study outline significant differences in the values of generations. The primary life goal (terminal values) of generation Z are "happiness", of Y - "high income", of X - "security", of T - "dignity". In order to achieve the goals in life, the young generations Z and Y value and rely more on qualities (instrumental values) such as: "adaptability"; "creativity"; "inspiration"; "curiosity"; "pragmatism"; "courage." In the older generations X and T, traditional instrumental values such as: "diligence" are of paramount importance; "responsibility"; "endurance"; "honesty", "loyalty"; "persistence".
03.12.2021
BANKER: NEGATIVE INTEREST RATES WILL BE WITHHELD
Negative interest rates - a phenomenon that has long been observed outside our country, logically does not pass Bulgaria. This period of negative interest rates worldwide not only lasts a long time, but is expected to continue in the future.
This is stated in an address by Diana Miteva, Chairman of the Board of the Association of Banks in Bulgaria, on the occasion of Banker's Day.
The complex, volatile and unpredictable economic environment in which banks operate makes them flexible and adaptable. The good news is that as banks adapt to the new reality, so do their customers begin to realize it and accept the fact that bank deposits have their alternatives in storing money, Miteva said.
According to her, customers are beginning to reorient to new tools for storage and investment, such as mutual funds, trust management and other solutions, with the help of banking consultants. Investments in this type of product are growing at a rapid pace, with significant growth compared to last year.
This shows that customers rely on banks to be their trusted partner in managing and storing their money and finding the best individual options and approaches tailored to their needs in a dynamic and rapidly changing reality, added the Chairman of the Board.
She reminds that in times of crisis, ill-wishers often appear, trying to take advantage of the turmoil created by extraordinary circumstances, such as the pandemic, and to mislead citizens in order to gain access to their funds in one way or another.
That is why it is crucial that banks and citizens work together to counter these attempts. Banks could continue to provide the same level of security only in partnership with their customers, the statement said.
03.12.2021
ANTI-CRISIS INCENTIVES FOR JOB CREATION WILL BE AT LEAST UNTIL JUNE 2023
Amendments to the project "Employment for Human Resources" funded by the Operational Program "Human Resources for You" have been adopted and its term is extended until June 30, 2023. The conditions for eligibility are also changing, according to the Employment Agency.
The national quota of BGN 50 million for priority support of employers in the fields of „Hotel and Restaurant Management“ and „Travel Agency and Operator Activity has been dropped; other travel and reservation activities”. Thus, the entire project budget is distributed on a quota basis at the district level according to the unemployment rate, the number of newly registered unemployed and the number of employers from the respective districts in the country.
Employees of the project should not have been employed by the same employer or related natural and legal persons - employers, for a period of 6 (six) months from the date of submission of the application by the employer.
For all employers who have applied, received approval or concluded contracts by December 2, 2021 inclusive, it is considered that the announced vacancies were opened before the change in the terms of the project "Employment for you" and the unemployed should have not been in an employment relationship with the employer or related companies within the meaning of the Small and Medium Enterprises Act for a period of not less than 1 (one) month from the submission of the Employer's Application.
For all employers who applied after December 2, it is considered that the announced vacancies were opened after the change in the terms of the project "Employment for you" and the unemployed should not have been in employment with the employer or related companies. the meaning of the Small and Medium Enterprises Act for a period of not less than 6 (six) months from the submission of the Employer's Application.
Electronic applications will be accepted until the financial resource under the scheme is exhausted.
Documents and how to participate in the project can be found HERE.
The Employment for You scheme was launched in September 2020 as an anti-crisis measure to help employers create new jobs and hire the unemployed, covering the minimum wage and social security contributions.
03.12.2021
WE CELEBRATE THE INTERNATIONAL DAY OF PERSONS WITH DISABILITIES
Today we celebrate the International Day of Persons with Disabilities. Globally, more than one billion people, or about 15% of the population, have some form of disability. According to NSI data, there are nearly half a million people in Bulgaria with a recognized permanently reduced working capacity or degree of disability. About 10,000 of them are children.
On December 3, events will be organized around the world to remind the need for effective change in the living conditions of people with disabilities. This is a day to support the dignity, rights and well-being of people with disabilities. It aims to support the discussion on the free and independent life of people with disabilities and their full participation in society.
December 3 has also been declared International Pesticide Day. It is celebrated at the initiative of international environmental organizations on the anniversary of the 1984 accident at a chemical plant of an American corporation in Bhopal, India, which killed more than 3,500 people and later about 15,000 died from diseases caused by inhalation of leaked toxic gas.
The first SMS was sent on December 3, 1992. The message read only: "Merry Christmas". And now you are probably wondering who wrote the first sms in the world. This is a software developer who sends the premature Christmas greeting on a mobile phone to the manager of one of the world's telecommunications giants.
Today, in 1967, the world's first successful human heart transplant was performed. It happened at a hospital in Cape Town, South Africa by Prof. Christian Barnard, who transplanted the heart of 25-year-old Denis Darval, who died in a car accident, to 55-year-old Louis Vashkansky. Today, nearly 1,200 Bulgarian citizens in need of transplantation live in the hope of leading a normal life. They all expect a second chance at life, which is possible only through organ transplantation. Out of 28 member states of the European Union, our country ranks 28th in the number of transplanted people per million population. Due to the insufficient number of donors and the frequent refusal of relatives to donate the organs of the deceased, the Ministry of Health launched the National Campaign in Support of Donation and Transplantation under the motto "Yes! For life!". The aim of the campaign is to raise public awareness of the nature and importance of organ donation. The national campaign also emphasizes the need to talk about donation with our relatives - let them be aware of our attitude to the problem. In this way, in case of brain death, we will help them make a decision at a difficult time for the family. The last word is theirs! So, let's talk now. Let's say together: “Yes! For life!"
