THE SETTLEMENT 
It is best to sign with a "not conforming" to preserve the right to future claims
* Author: By ROSA
CUEVAS
facing layoffs or end of a contract is something that overwhelmingly passed along his career at least once. When this happens the worker receives a document known as settlement, which terminates the employment relationship between employee and employer. Should I sign? Will it calculated? Here are some common questions which beset the worker, so it is very important to master certain aspects of this process before receiving the settlement. In addition, it is best to sign a "non-compliant" to retain the right to future claims.
Settlement or liquidation
is necessary to distinguish between termination and settlement that, despite that one includes the other, nor are they similar documents nor the consequences that entail acceptance for the worker they are. First, the settlement is simply the delivery of stock to be received by the employee. When a relationship dies or stops working, the employer must make available to the worker a document or a proposal for settlement of outstanding amounts delivered to the employee. These sums of money are:
* The outstanding wages to pay for days worked to date of termination of the contract or that the dismissal was formalized
* The proportion of pay for summer: calculated from the July 1 to the date of termination. The amount should be divided by 365 days, if the accrual is annual, and multiply by the number of days from 1 July until the last day in the firm of the
* The proportion of payment of benefits: for know the amount you must perform the same calculation but with reference to the date of January 1 the year preceding the cessation of
* enjoy outstanding vacations: If the worker has not enjoyed the days off that correspond should receive the outstanding amount. For its calculation must take into account that for each month worked 2.5 days a year under Vacation
addition, the settlement will not only be given to the employee at the time you pay, end of contract or voluntary employment relationship is broken, but the company also makes a settlement when disruptions in the contract work of an employee. This is the case of leave or waiting times until the enactment of resolutions permanent disabilities.
However, the settlement consists of two elements, the first of them is a self-liquidation of outstanding accounts, which are the amounts previously described in the company and its workers. The other component is a declaration of intention to issue the employee signs the document which acknowledges that there is no outstanding receivables, and that the parties have nothing more to be claimed for any reason. In fact, in practice most of the releases often contain a text which is made a specific waiver of action against the company, ensuring that the signing of the document terminating the employment relationship without the employee can claim for any circumstances or because the amounts received are miscalculated.
Given this, the signing of a settlement may result in loss of worker rights, because they waive the possibility of any claims kind against the company or to return to it. Given the bad faith and the many "tricks" experienced by the workers in this process, the law requires that the settlement should include a clear and unequivocal will to end the contract and an express waiver of actions, and not enough with that document containing the word settlement.
deadlines
Although there is no specific deadline for the company to convey the discharge to the employee, unless the collective agreement governing the company so provides, it is advisable to request that the affected employee progress of the document. Thus, we have a knowledge of the amount prior to the time of signature and you can go to a professional if you have any doubts, as recommended from the Graduate School Social Madrid.
In practice, it is customary to give the settlement the last day the employee goes to his job. However, there might be cases where for various reasons the company is late in entering into this process, after a few days, the worker must be resubmitted in the company to sign the settlement. When these situations occur, consult indicating the collective agreement for these cases because the damages and damages for late payment of the settlement may become compensable if so mandated by the agreement.
It should be noted that the Workers' Statute in Article 59.1 provides that a worker has one year to claim all the amounts that should have been paid, and once after that time little can be done as prescribed quantities.
the time of signing
If the worker has not gained access to the advance of settlement, it is best at the time of signature or be accompanied by a representative of workers or by another person because this way if there is any effect may have a witness stating what actually happened.
first thing the worker should do is check that the settlement includes all items under, and its amount and calculation are correct. Equally important is to ensure that the document showing the date of receipt of the amounts involved, and not only the date of manufacture thereof. It is appropriate that if payment is to be made by check, in the settlement is recorded in number.
If, despite everything, he considers that the amounts or concepts are not adequate recourse to the formula of half-sign the document. O, which is, do write the famous tagline of "non-compliant." The signing by the employee certifying their compliance with the amounts contained in this document, and that in turn they have been paid, so it is very important to remember that if the document is signed, despite disagreeing with content, can be a real obstacle to making future claims. However, the "not as" easy to claim any amounts not paid, the workers are paid their settlement and safeguard their right to take action to claim.
BEFORE YOU SIGN A SETTLEMENT
* Request progress of the settlement to ensure that the amount has been calculated is well and that is that for the worker.
* be accompanied by an employee representative or another person to sign the settlement. So, if any impact the worker can prove what happened testimonial. The employer can not deny, is a right of all workers.
* Check that the settlement includes the following items: wages paid pending, the parties in proportion to the bonuses, vacation and enjoy outstanding compensation, if it is for the worker.
* Request that the settlement included the check number with which the company settled all outstanding and / or the date of payment if payment will be made through a transfer.
* Signing a "Not satisfied" if the amounts receivable by the worker are not what they should, or if there is a concept with which the worker agrees. In this way, he paid the money but not lose the right to complain.
* When the settlement stems from a total permanent disability of the worker is ineffective as it is required to reserve the job for two years.
* Remember that the employee has one year from receipt of the settlement for the amounts due to it.
VIA - comsumer.es
How to make ends meet? Some tips for avoiding income tax burdens 
Many families, especially those who get monthly income, get into trouble when it comes to managing money to pay the expenses for the entire month, until reenter income at home the following month. Then said can not be reached this month. There are many expenses that must be addressed (mortgage, car, food, transportation, schools, etc).
Can we do something to prevent such economic burdens?
Without attempting now to be wizards of finance and provide great recipes, we describe some features that can help us improve our situation.
Obviously, the main solution would be to increase revenues and lower costs.
As incomes increase, it will be something in the medium term, and can pass for trying to improve our technical or academic training to try to improve our jobs and our wages, or find another job with better economic conditions.
The second part, to reduce expenditure, we can implement more effectively and immediately.
Draw up a monthly budget plan
Our passes make a monthly budget.
Although we believe that control costs, having a plan and carry out carefully help us much.
First, will the total household income. If income is variable, will an average amount prudent, not excessive.
As fixed costs must be borne in mind that are inexcusable and will have to pay: electricity, water, telephone, gas, mortgage and other loans, community neighbors, food, transportation to work or school, etc. . Will add these expenses and that amount will be untouchable.
Any remaining, we'll leave for variable expenses. The only remaining inexcusable contingency will use medications, school supplies, etc. Try not to spend just to see if we are better off.
There are many ways to stretch the money for expenses not essential. We leave the coffee bar and take it home (20 days of coffee = 24 €), breakfast not out (20 days x 3 € = 60 €), leave the car at home and cycling to work (save a long time money and stress), or use public transport with their subscriptions. We can buy food at cheaper establishments. And going out to dinner later this month, when we see that we have a little extra money. We can also try reduce fixed costs, such as consumption of light: is it really necessary to have air conditioning at 16 degrees? It is not even healthy. Or heat in winter to 26 degrees to go home in short sleeves? Maybe we can get to 21 degrees, and go with our very comfortable gown. If we put energy saving light bulbs, save on the bill at the end of the year. Do I need to talk so much on the phone? Have to put a monthly cap and speak only what is necessary. Putting the washer fills and using sprays on the taps also spend less water.
But the biggest expense faced by households is mortgage payments. Many times, your payment is almost all of our income. And people keep mortgage because the rental market does not offer much cheaper prices than mortgages. Solving this is not in our hand, but is there any way to soften the economic bleeding.
In cities, many people traditionally have gone to live in the surrounding villages, giving birth to the popular commuter towns. There are cheaper houses, although their prices are still soaring. In cities such as Madrid or Barcelona, \u200b\u200bprices of apartments in the suburban towns are not very affordable. But in other provinces, you can still save a lot on the house if you're willing to live 40 minutes away by car. You can save halfway, it will be a great relief payments in the future. And another option is to seek work in areas with cheaper housing (there are provinces with more affordable housing than others.)
In short, do a budget with expenses inexcusable and leave the rest for contingencies. Also, try to minimize the consumption of electricity, water, telephones, gasoline, bars and restaurants.
not to consume more than we always have a better life.
VIA - tengodeudas.com
2009: calculate payroll deductions at 
With the change of year comes the updating of wages to the CPI for some and agreed salary increases for others. Consequently it is necessary to recalculate the income tax withholding that is practiced in each payroll.
First of all, we must remember that the deduction of income tax is only money that the tax office detracts from the salary by the company in anticipation of the tax after you pay. Ie, capital is a provision that Treasury retained as to avoid surprises and disbursements in the statement of income.
The specific amount of this withholding tax will depend on several factors:
* Personal and family situation: This includes marital status, number of children to the office and his age and older and disabled persons in charge
* Type of contract: the type of contract also affects the retention held AEAT . For example, temporary contracts are subject to a lower retention, such as those signed with the second company.
* Revenue: Revenue will determine the section in which we and the rate applicable to it. In this sense, the personal income tax withholding table sets out the following sections:
- from 28% to EUR 17,707.2
- Del 37% to EUR 33,007.2
- from 43% to EUR 53,401.2
For those who have doubts and want to know if income tax withholding applied to them that the company is successful, the page has AEAT to a specific section on the retention of income tax. However, the most useful is the aid program for its calculation can be downloaded and is very easy to use.
Once downloaded and installed on your computer (available for all platforms) only need to enter personal data as we would in the model 145, data communication to the payer. The aid program divides the AEAT information to enter into four sections or steps to be followed:
* Personal data: in addition to NIF and date of birth, has a section to indicate the family situation and other employment status. You can access an explanation of each option just position the mouse pointer over it.
* Ancestors and descendants: this must be added data from children or parents if necessary.
* Economic data: you must enter income information beginning with the annual gross salary (cash and in kind) in the first box. In the third box will indicate annual deductions such as Social Security payments, while the rest would include hypothetical pension to the spouse or children.
regularization * Data Indicates the reason that recalculates the withholding of income tax. Once you have selected will indicate the amounts paid before and after regulation.
* Results: Finally you just have to 'click' on the results tab for the program to calculate how much to keep us company.
VIA - http://impuestosrenta.com
The pension plan can save six months of unemployment 
Economy
relaxing the rules to use the money saved for retirement
PEDRO GONZALEZ
The Government continues to seek measures to alleviate the impact of the crisis on the unemployed. Now last a change in the regulation of pension plans and funds to enable unemployed people to dip into the capital that has been saved, without having to wait until retirement age.
Thus, after six months without work, a person may have the money deposited into your pension plan. Furthermore, the reform being prepared by the Directorate General of Insurance department under Ministry of Finance will consider to be available if the pension fund who is unemployed is the spouse of the participant, or an ascendant or descendant that is part of the family unit.
Currently, the law allows only the participant to use the money in times of emergency plan, understood as a prolonged illness or unemployment lasting more than twelve months. In 2007 (latest official data), about 5,840 unemployed participants drew on these savings, for a total of 44.2 million euros, which is an average of 7,600 euros per person. In that year, the total number of members was 7.5 million, with an accumulated capital plans and funds of 86,000 million euros in total.
One in three
The crisis has triggered the numbers of unemployed and people threatened with losing their jobs are very difficult to find another occupation. According to data from the latest Labour Force Survey (EPA) published a week ago and for the fourth quarter of 2008, one third of the unemployed had spent more than six months without work: namely, 1,183,500 of the 3,207,900 people who had no job. A year earlier, were 671,600 unemployed people in that situation.
The amendment to the regulation of pension plans will be discussed with industry, consumers and the social partners on 9 February in the Insurance Advisory Board, which has to issue a mandatory report.
Industry sources expressed their position in favor of reform: "Whatever is flexible and that the participant will see that it has been stuck in a dead end help that there is more certainty about pension plans. It good for the product, "said a spokesman for Inverco, the association of the managers of these financial products and investment funds. Processing
It does not change the procedures to have the money, which are simple. The participant must attend the institution where he hired the pension plan with a certificate of public employment services attesting to their legal situation of unemployment. You can then use the money freely, resacatando all or gradually accumulated. It is advisable to analyze the fiscal impact of the bailout of the fund (see attached information). "The logical thing is to be used in an annuity, in installments, and paid less tax," said Luis del Amo, director of the Register of Tax Advisers Economists (REAF).
This measure is the second for the unemployed, after the moratorium on mortgage payments. Procedures within the Administration itself will still take between three and four months to get to the BOE.
VIA - publico.es (31-01-2009)
Note: to date there has been reform that mention this article.
It is best to sign with a "not conforming" to preserve the right to future claims 
