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為什麼會有民間貸款的存在？很多時候因為短期遇到融資上的困難，從老闆到一般的家庭主婦都有可能會遇到個人貸款，導致在一段時間中在銀行的信用狀況有點問題，例如貸款遲繳、信用卡循環等等都會短暫被銀行列為警示戶！個人貸款短時間內申辦銀行並不太容易，因此民間貸款成為客戶的融資工具的一種，雖然貸款利率會比銀行高一些，但審核條件比較寬鬆，撥款速度快，容易解決客戶的當務之急！個人貸款只要搞懂其中的差別，您也能順利的化危機為轉機！這篇文章是跟大家分享我自己的親身經歷，希望能帶給你們幫助！
該名女網友分享「365存錢法」，表示自己利用兩個撲滿一年下來總共存了13萬，引發大眾熱烈的討論。個人貸款他表示把一年365天轉化為數字，每天隨便選擇一個數字進行存錢，錢多的時候可以選擇存3百多塊，但經濟較拮据時就存少一點，但存取的金額不能有重複，一年下來就可以存到6萬6795元。個人貸款而該名網友因為一次存兩個小豬撲滿，也讓自己獲得13萬的年終。第一金投信表示，所謂「省、存、滾」，是循序漸進的理財方式。首先「省」，即節省生活不必要開銷，可透過記帳，瞭解每個月的支出款項，找出非必要及可削減的支出；個人貸款再來是「存」，將省下來的錢存起來，累積一筆存款；最後「滾」，是將累積的存款，滾入投資。
DEPARTMENT STORES: 房貸利息算法More than 70% of sales clerks were forced to work during the last four major typhoons, while 78% during 2016’s storms were not given bonuses
By Ann Maxon / Staff reporter
The Sales Worker Union yesterday morning protested outside the Zhongxiao branch of the Pacific Sogo Department Store in Taipei, demanding that department stores grant their employees time off during typhoons to ensure their safety.
About a dozen protesters shouted “people should not work on typhoon days” and handed out flyers to customers, urging them to boycott stores that force employees to work on such days.
Surveys conducted by the union found that during each of the four major typhoons over the past three years — Soudelor, Nepartek, Meranti and Malakas — more than 70 percent of department store sales clerks were forced to work, the union said in a statement.
Forcing employees to work on typhoon days puts them in great danger and there have been many resultant cases of injuries and deaths, it said.
On Aug. 7, 2015, a Sogo sales clerk was seriously injured after being struck on the head by a tree branch when she was riding a scooter home after leaving work, the union said, adding that the accident happened on an official typhoon day.
Decisions regarding whether to work on typhoon days are entirely up to department stores’ upper management; sales clerks have no say, the union said.
Many companies dock employees’ pay if they fail to show up for wor土地抵押貸款率利最低銀行k, even on a typhoon day, it said, adding that the lost amount can range from NT$2,000 to NT$10,000 per day.
In some cases, sales clerks lose their bonuses if they do not work on a typhoon day, and even when they do work, most do not receive any additional pay, allowances or bonuses, it said.
During typhoons Meranti and Malakas in 2016, 78 percent of department store clerks who worked said they were not paid more or given any allowances or bonuses, a union survey found.
A small number of department stores close during typhoons 分期車借款and some of them require clerks to take a paid day off, the union said.
To better protect the rights of workers, the Legislative Yuan should pass a draft act on workers’ time off during natural disasters as soon as possible, it said.
The act should ban companies from docking employees’ pay or day off for not working on a typhoon day, as well 銀行信貸審核時間as require them to pay employees double for working on such days, it said.優惠房貸申請
The Ministry of Labor said in a statement that there are different opinions on whether such a law should be made and that the proposal must to be carefully assessed.
Under the Guidelines for Workers’ Attendance Management and Wages （天然災害發生事業單位勞工出勤管理及工資給付要點）, workers can choose not to work on official typhoon days and employers are banned from treating it as absence without leave, requiring employees to do compensatory work, deducting their bonuses or carrying out any other form of punishment, the ministry said.
Employers are also advised to not dock employees’ pay if the latter choose not to work on a typhoon day and to offer additional pay when they decide to work, it added.
The guidelines, which took effect in 2009, are of an advisory nature and do not impose any punishment on employers who contravene them.
新聞來源：TAIPEI TIMES
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