Advice 1: How to make pension contributions yourself

Since 2008, every Russian can refill your personal account in the Pension Fund of the Russian Federation. For this it is necessary to join the program state co-financing of future pension and make regular payments through the savings Bank or current account. This possibility is particularly relevant for those who do not have official income or receives part of the salary in the envelope (such blatant violations by employers of law in Russia, unfortunately, in abundance). Open the program for the one hundred percent "white" income, that would be the desire and financial ability.
How to make pension contributions yourself
You will need
  • - passport;
  • - certificate of state pension insurance;
  • - fountain pen;
  • - details of the territorial branch of the Pension Fund of the Russian Federation;
  • - money.
Instruction
1
First you need to join the program of co-financing. This can be done in two ways. If you are employed, one option is to contact your employer. His HR or accounting will give you a sample that you want to write a statement. If you are the first who asked this question, we need a paper they can easily taken in the Department of the Pension Fund where your employer is registered as the policyholder. After that, the company will automatically deduct from your pay-agreed amount of additional contributions and transfer it to your account to the pension Fund in addition to contributionsthat does for you under the law.
2
Another option, available to all, including employees, is to apply directly to the territorial office of the Pension Fund of the Russian Federation at the place of residence. Yourself will need to have a passport and certificate of state pension insurance. The staff of the FIU will give you an application form that must be filled.
3
If you have never worked for hire, and the evidence you have, you should start will be with its design. It will have to apply to the Department of the FIU at the place of residence or stay. And if you have no registration to the nearest branch according to the actual location.
4
The Pension Fund will also give you details (and most of all - ready receipt, where you need to insert the payment amount as well as your name, address, and sign) by which you can Fund your retirement account. You can find them also on its website of the regional branch of the Pension Fund.
5
No restrictions on the amount and timing of payments is not: at any time during the calendar year and as deemed necessary. When you Deposit during the year the sum from 2 thousand to 12 thousand roubles (1 thousand roubles a month) the state will credit your account with exactly the same amount on which you joined for the year.
Note
You can make more than 12 thousand roubles a year. The money is with your account not supposed to go, but its completion from the state will not exceed 12 thousand roubles a year.
Useful advice
Employees Pension Fund recommends that members of the co-financing program in January to visit its office FIU with all receipts on self-replenishment of the retirement account to avoid possible confusion.

Advice 2: How to calculate pension contributions

Pension contributions – these are contributions that are transferred to the account of the insured person from his employer and on his own initiative. The amount of pension contributions will ultimately affect the total number of pensions that will be paid to the insured person - pensioner of the Federal budget. But how to calculate the amount of pension contributions?
How to calculate pension contributions
You will need
  • calculator and knowing how much the salary of a specific employee
Instruction
1
Determine the salary of a particular employee and associate it with the table of rates of premium for compulsory pension insurance. This table can be found in the law "On mandatory pension insurance in Russia". Rate of pension payments will depend on the age of the individual, type of organization in which he works, from his annual salary and pension contributions (insurance and funded part).
2
Count the insurance and funded part of pension contributions. For example, employee "X" Ivanov A.V. 1969 gets paid with a salary of 9,000 rubles. Then his annual salary is:
000 9 * 12 = 108 000.
According to the table of rates of contributions the employer must contribute to the financing of the insurance part of labor pension, unified social tax of 8%.
108 000 * 8% = 8 640 rubles a year, or 720 rubles per month.
According to the table of rates of contributions the employer pays for financing the funded part of pension Ivanova A. V., contributions of 6%.
108 000 * 6% = 6 480 rubles per year, or 570 rubles per month.
Thus, from the employer as a percentage of salary to the pension Fund received contributions for Ivanov A. V. in the amount
720 + 570 = 1 290 rubles.
3
Calculate the pension contributionsthat you make for special programs investment PFR in NPF or a management company. These payments are made in lump sum or in the form of voluntary investment. A vivid example of such a program "1000 on 1000" when a private person donates to the FIU 1 000 rubles per month, and by the end of the year the government will double the amount of deductions.
4
Fold the amount of mandatory and voluntary pension contributions. The final sum will be the annual rate of pension contributions of each specific individual.
Note
The employee has the right independently to choose the pension Fund – whether it is a state institution, pension Fund or a management company, and to deduct there mandatory and voluntary pension contributions.

Advice 3: How to view your pension contributions

To think about future pension needs are still of working age. Then you will be sure that provided to itself a worthy old age. But first we must at least imagine, how much your employer has already submitted to the state for the formation of your future pension. How do you know how much money is on your account in the Pension Fund of the Russian Federation?

How to view your pension contributions
You will need
  • - recent letter from the pension Fund;
  • - passport;
  • - insurance certificate.
Instruction
1
Find the latest information letter, which was sent to you Pension Fund of the Russian Federation (PF the Russian Federation). These letters are sent annually to all the citizens who have already begun their seniority, but not yet retired. You should receive a notice from your post office at the place of residence where you have to pick up due to you letters.
2
If letters of PF you do not come, contact the office of the Fund at the place of residence. The list can be found on the official website of the Fund. Come to the office during business hours. Show the officer your passport and a certificate of pension insurance and explain that you would like to receive email notification about the status of your retirement account. Then next year you will start receiving these newsletters at the address you specify as the place of residence.
3
After receiving the letter, you should know how to read it. It contains some important numbers. First check whether the letter of notice shows all your data. In the upper part of the letter should be your surname, name and patronymic, as well as a number of your personal account, which is an accumulation pension. This number must be the same as specified on your certificate of pension insurance.
4
Find a letter with information about contributions over the past year. They are divided into two parts - n accumulation and insurance part of pension. The first part of the contributions specified in paragraph 3 of the notice (in the second - if you are a sole proprietor) and the other at the end of the letter, in paragraph 15. Folded them, you will receive your total insurance pension contributions over the past year.
5
To know your pension contributions for previous years can be of paragraph 4 (pension), which is called "the Total amount of pension contributions transferred to the management of the company" and paragraph 16 (insurance part of the pension). If you put the data in paragraphs 4, 15 and 16, you will receive the total amount of pension contributions you have made over all the years. The bigger they are, the higher your future pension.

Advice 4: What to do with the dismissal

Due to the complex life circumstances of many students skipping classes, not doing homework and not meeting the deadlines for delivery of the session. The consequences of such behavior can be severe, including expulsion.
What to do with the dismissal
To avoid expulsion from the University, do not need to let the situation slide. If you are sick and can not attend the Institute, you must supply the Dean's office know. Otherwise, you deem the worst truants and expelled without warning.

The reason for the expulsion from the educational institution can be a financial debt. If you are studying on a commercial basis and pay tuition on a quarterly basis, check whether your payments at the expense of the University. Quite often in time the payment made is just "hangs" somewhere in the labyrinths of the banking system, and responsible student appears in the list for elimination.

If you have problems with academic performance, and you feel that you can not pass the session, you have several solutions:
- you can take academic leave, to go back to school next year on the same course, which took. To go in academic leave a student may once.
- you can transfer to an adjacent compartment, where there are items that you do not pass. But here you may have to take the difference in the curriculum, and your transfer may be effected only if the Department's budget or commercial).

If you already put before the fact that you are expelled, you can try to recover. This rule applies to everyone except students expelled from the first course. To recover at the Institute, write the application addressed to the rector. In the statement specify what the reason was expelled. For example, the reason for the expulsion was due to extensive absences. Specify the cause of these omissions.

If you were forced to support their families or disabled relatives, attach to the application a certificate of family composition, income of family members, about the health of family, their reference work.
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