Y nos siguen robando....

Si todavía no creen que los bancos no controlan a nuestros políticos... usted es tonto...

les dejo una carta que me envió al banco....

Ref.: Tributación pago de seguros de vida con planes de ahorro previsional voluntario. Ley N° 20.552, publicada en el Diario Oficial de fecha 17 de diciembre de 2011

Estimado asegurado,

Conforme las instrucciones impartidas por la Superintendencia de Valores y Seguros mediante Circular N° 2.052, informamos a usted que con fecha 17 de diciembre de 2011, se publicó en el Diario Oficial la Ley N ° 20.552, que moderniza y fomenta la competencia en el sistema financiero. (si claro!!)

En términos generales, la modificación legal dice relación, entre otros aspectos, que en caso de fallecimiento del asegurado, las compañías aseguradoras deberán realizar la retención del impuesto del 15% de la parte del ahorro generado por cotizaciones voluntarias, depósitos de ahorro previsional voluntario o ahorro previsional voluntario colectivo, que el contratante de la póliza de seguros con planes de APV haya acogido al régimen tributario B.

Este impuesto deberá ser retenido por la Compañía y sólo respecto de aquellas primas enteradas con posterioridad a la fecha de entrada en vigencia de la ley en análisis.

Además, en caso de fallecimiento del asegurado los beneficiarios deberán acordar si el ahorro es retirado como parte de la indemnización, con la retención respectiva, o si se traspasa a la cuenta de capitalización individual del asegurado en la AFP en que se encuentre afiliado, en este caso, sin retención antes señalada. Si no existe acuerdo entre los beneficiarios, dichos ahorros se traspasarán a la AFP en la que se encuentre afiliado el asegurado. (ojo que la AFP se queda con la plata, no se la pasa a los herederos)

Para mayor detalle, a continuación se transcribe la parte pertinente de la norma legal que modificala Ley sobre Impuesto a la Renta , agregando un nuevo inciso tercero al numeral 3, del artículo 42 bis.

"Los recursos originados en depósitos de ahorro previsional voluntario, cotizaciones voluntarias o ahorro previsional voluntario colectivo, acogidos a lo dispuesto en el número 1 del artículo 42 bis de la Ley sobre Impuesto a la Renta , que la compañía deba pagar a los beneficiarios a causa de la muerte del asegurado estarán gravados con un impuesto de un 15%, según lo establece el número 3 del artículo 42 bis de la Ley sobre Impuesto a la Renta , en aquella parte que no se haya destinado a financiar costos de cobertura, cuando correspondan a primas enteradas a contar del 17 de Diciembre de 2011. Este monto será retenido por la aseguradora al momento de efectuar el pago de tales recursos, y enterado en arcas fiscales.

 La tasa de 15% del impuesto señalado se aplicará, respecto de los aportes acogidos al número 1 del artículo 42 bis de la Ley sobre Impuesto a la Renta , sobre el monto de ahorro acumulado por el asegurado, susceptible de ser retirado, en la parte que corresponda a primas enteradas a contar del día 17 de Diciembre de 2011.

 Este impuesto no se aplicará cuando los beneficiarios del seguro de vida opten por destinar tales recursos a la cuenta de capitalización individual del asegurado."

Las fotos que faltan hoy en las portadas de los diarios

 

 

 

 

 

Airlines by Rate Accident

http://www.planecrashinfo.com

10 Alien-Looking Places on Earth

 Dry Valleys (Antartica)

Antarctica's Dry Valleys, with their barren gravel-strewn floors, are said to be the most similar place on Earth to Mars. Its fascinating landscape, located within Victoria Land west of McMurdo Sound, get almost no snowfall, and except for a few steep rocks they are the only continental part of Antarctica devoid of ice. The terrain looks like something not of this Earth; the valley’s floor occasionally contains a perennially frozen lake with ice several meters thick. Under the ice, in the extremely salty water, live mysterious simple organisms, a subject of on-going research.

 Socotra Island (Indian Ocean)
This island simply blows away any notion about what is considered “normal” for a landscape on Earth, you’d be inclined to think you were transported to another planet - or traveled to another era of Earth’s history. Socotra Island, which is part of a group of four islands, has been geographically isolated from mainland Africa for the last 6 or 7 million years. Like the Galapagos Islands, the island is teeming with 700 extremely rare species of flora and fauna, a full 1/3 of which are endemic.

The climate is harsh, hot and dry, and yet - the most amazing plant life thrives there. Situated in the Indian Ocean 250 km from Somalia and 340 km from Yemen, the wide sandy beaches rise to limestone plateaus full of caves (some 7 kilometers in length) and mountains up to 1525 meters high. The trees and plants of this island were preserved thru the long geological isolation, some varieties being 20 million years old.

 Rio Tinto (Spain)
The giant opencast mines of Rio Tinto create a surreal, almost lunar landscape. Its growth has consumed not only mountains and valleys but even entire villages, whose populations had to be resettled in specially built towns nearby. Named after the river which flows through the region-itself named for the reddish streaks that colour its water-Rio Tinto has become a landscape within a landscape. The river red water is highly acidic (pH 1.7—2.5) and rich in heavy metals.

 Kliluk, the Spotted Lake (Canada)
In the hot sun of summer, the water of Spotted Lake, located in British Columbia and Washington, evaporates and crystallizes the minerals, forming many white-rimmed circles: shallow pools that reflect the mineral content of the water in shades of blues and greens. It contains one of the worlds highest concentrations of minerals: magnesium sulphate (Epsom salts), calcium and sodium sulphates, plus eight other minerals and traces of four more, including silver and titanium.

The Indians soaked away aches and ailments in the healing mud and waters. One story cites a truce in a battle to allow both warring tribes to tend to their wounded in the Spotted Lake, "Kliluk".

 Salar de Uyuni (Bolivia)
Bolivia's Salar de Uyuni is perhaps one of the most spectacular landscapes in the world. A magnificent area with an impressive salt desert (the world's largest), active volcanoes, tall cacti islands and geyser flats, it exists like an alien mirage, something completely out-of-this-world. Oddee's crew went there in July 2008, be sure to check it out.

 Vale da Lua (Brazil)
Vale da Lua (Moon Valley) is a water eroded rock formation with natural swimming pools, placed on a river in the brazilian cerrado forest. Located at Chapada, 38 km from Alto Paraíso de Goiás, it’s rock formations are one of the oldest on the planet, made of quartz with outcrops of crystals. (Photo by:Alex)

 Blood Pond Hot Spring (Japan)
Blood Pond Hot Spring is one of the "hells" (jigoku) of Beppu, Japan, nine spectacular natural hot springs that are more for viewing rather than bathing. The “blood pond hell” features a pond of hot, red water, colored as such by iron in the waters. It’s allegedly the most photogenic of the nine hells. (Photos: L Plater and phototravel).

 The Stone Forest (China)
The Shilin (Chinese for stone forest) is an impressive example of karst topography. Its rocks are made of limestone and are formed by water percolating the ground’s surface and eroding away everything but the pillars. It’s known since the Ming Dynasty as the 'First Wonder of the World.'

 The Richat Structure (Mauritania)
This spectacular landform in Mauritania in the southwestern part of the Sahara desert, called the Richat Structure, is so huge with a diameter of 30 miles that it is visible from space. The formation was originally thought to be caused by a meteorite impact but now geologists believe it is a product of uplift and erosion. The cause of its circular shape is still a mystery.

 Eisriesenwelt Ice Caves (Austria)
Ice caves are very different from normal caves. They have a strange feeling about them, as though they are not from this planet, and one has just temporarily stepped into their world when spelunking their depths.

There are many ice caves throughout the world, but the Eisriesenwelt Ice Caves in Austria are some of the largest known to man. They are located within the Tennengebirge Mountains near Salzburg and stretch for a remarkable 40 kilometers. Only a portion of the labyrinth is open to tourists but it's enough to get a taste of what the remaining network is like: a truly mesmerizing palate of Mother Nature's handicraft.

El partido Real Madrid V/S Barcelona !!!

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A ver quién resuelve este laberinto!!!

Está facilito...juego

Genesis v/s Science

Genesis	Science
1 In the beginning God created the heavens and the earth.	The text literally means “At the beginning of time God (who already existed) created everything out of nothing.” Today we understand that the Big Bang was the beginning of matter, energy, space and even time itself, all expanding from a single point in a very precise manner. The Big Bang theory was resisted for decades in part because of its resemblance to Genesis 1 and its metaphysical implications.
2 Now the earth was formless and empty, darkness was over the surface of the deep, and the Spirit of God was hovering over the waters.	This verse establishes the physical vantage point that is used from here forward. 4 billion years ago, following the “Hadean” period, the earth was a hostile, stormy, turbulent, water-covered ball. The Hebrew word for “hovering” is also used elsewhere in Genesis to describe an eagle protecting her young in the nest. Science tells us that the earliest life forms began in the ocean ~3.5 billion years ago and I believe this verse hints at this.
3 And God said, “Let there be light,” and there was light. 4  God saw that the light was good, and He separated the light from the darkness. 5 God called the light “day,” and the darkness he called “night.” And there was evening, and there was morning-the first day.	The atmosphere changes from dark to opaque. Light can now shine through earth’s thick clouds. Now there is day and night on the surface of the earth. The phrase “There was evening and there was morning” is an ancient Jewish expression of completion.
6 And God said, “Let there be an expanse between the waters to separate water from water.” 7 So God made the expanse and separated the water under the expanse from the water above it. And it was so. 8 God called the expanse “sky.” And there was evening, and there was morning-the second day.	The water cycle begins. Clouds condense and form the ocean. Water evaporates from the ocean and forms clouds.
9 And God said, “Let the water under the sky be gathered to one place, and let dry ground appear.” And it was so. 10 God called the dry ground “land,” and the gathered waters he called “seas.” And God saw that it was good.	The continents (”Pangea”) rise above the surface of the ocean, forming land and sea.
11 Then God said, “Let the land produce vegetation: seed-bearing plants and trees on the land that bear fruit with seed in it, according to their various kinds.” And it was so. 12 The land produced vegetation: plants bearing seed according to their kinds and trees bearing fruit with seed in it according to their kinds. And God saw that it was good. 13 And there was evening, and there was morning-the third day.	Plants appear before animals. Notice that the wording in the Bible says the land produced vegetation. It does not rule out an evolutionary process.
14 And God said, “Let there be lights in the expanse of the sky to separate the day from the night, and let them serve as signs to mark seasons and days and years, 15 and let them be lights in the expanse of the sky to give light on the earth.” And it was so. 16 God made two great lights-the greater light to govern the day and the lesser light to govern the night. He also made the stars. 17  God set them in the expanse of the sky to give light on the earth, 18 to govern the day and the night, and to separate light from darkness. And God saw that it was good. 19 And there was evening, and there was morning-the fourth day.	Up to this point the atmosphere has been thick and opaque. It is not possible to see the sun and moon as distinct objects in the sky. The atmosphere clears. Now sun and moon are visible. When it says “God made two great lights, the Hebrew word for “made” is a different word than “create.” Create means from scratch, made means “made evident.” The moon and stars were already casting their light on day 1 (see verse 3), but were not visible as distinct objects until day 4. Notice that 24 hour days are not even mentioned before day 4.
20 And God said, “Let the water teem with living creatures, and let birds fly above the earth across the expanse of the sky.” 21  So God created the great creatures of the sea and every living and moving thing with which the water teems, according to their kinds, and every winged bird according to its kind. And God saw that it was good. 22 God blessed them and said, “Be fruitful and increase in number and fill the water in the seas, and let the birds increase on the earth.” 23  And there was evening, and there was morning-the fifth day.	Day 5 spans from 500 million years ago (after the Cambrian explosion) to 50 million years ago. The earth is dominated by birds and fish. Insects and dinosaurs are also present on the earth during this time but are not mentioned in Genesis 1.
24 And God said, “Let the land produce living creatures according to their kinds: livestock, creatures that move along the ground, and wild animals, each according to its kind.” And it was so. 25  God made the wild animals according to their kinds, the livestock according to their kinds, and all the creatures that move along the ground according to their kinds. And God saw that it was good.	Day 6 is the busiest day (50 million years ago to less than 100,000 years ago). The earth is dominated by large mammals. Jewish people would have thought in terms of livestock.
26 Then God said, “Let us make man in our image, in our likeness, and let them rule over the fish of the sea and the birds of the air, over the livestock, over all the earth, and over all the creatures that move along the ground.”	God refers to Himself as “our” - God is plural. The first reference to the Trinity.
27 So God created man in his own image, in the image of God he created him; male and female he created them.	Man is a spiritual being, the first creature made in God’s image. Unlike the animals, man is both body and spirit.
28 God blessed them and said to them, “Be fruitful and increase in number; fill the earth and subdue it. Rule over the fish of the sea and the birds of the air and over every living creature that moves on the ground.”	Man is given responsibility to take care of the earth.
29 Then God said, “I give you every seed-bearing plant on the face of the whole earth and every tree that has fruit with seed in it. They will be yours for food. 30 And to all the beasts of the earth and all the birds of the air and all the creatures that move on the ground-everything that has the breath of life in it-I give every green plant for food.” And it was so.
31 God saw all that he had made, and it was very good. And there was evening, and there was morning-the sixth day.	The text says all was very good. It doesn’t say it was paradise or perfection.
Chapter 2 verse 1: Thus the heavens and the earth were completed in all their vast array. 2 By the seventh day God had finished the work he had been doing; so on the seventh day he rested from all his work. 3 And God blessed the seventh day and made it holy, because on it he rested from all the work of creating that he had done.	God ceases from his creative work on the 7th day. There is no statement “And there was evening and there was morning, a 7th day.” We are living in the 7th day now.

                             From: cosmicfingerprints.com

So, we are living the 7th day, and God is resting, just like us in a sunday.

So, if God created us in his own image, God doesn't work sundays either.

And if we do not reply work e-mails sundays, God doesn't reply players either.

That's why God doesn't listen to you... He is resting... 

God take vacations long ago... and nobody knows when they are going to end.   ¬_¬!