САОПШТЕЊЕ У ВЕЗИ СТУПАЊА НА СНАГУ ЗАКОНА О ЗАШТИТИ КОРИСНИКА ФИНАНСИЈСКИХ УСЛУГА

ПУПС позива кредитно задужене грађане да инстистирају на одредби Закона о заштити корисника финансијских услуга којом се гарантује обрачун стране валуте по средњем званичном курсу

Поводом ступања на снагу Закона о заштити корисника финансијских услуга, ПУПС посебно поздравља члан 34. Закона којим ће бити прекинута пракса да се приликом наплате рата кредита или лизинга индексираних у страној валути, користи највиши курс, који банке одређују по сопственом нахођењу.

С тим у вези, ПУПС инсистира да се обезбеди да се наплата овако индексираних кредита и лизинг уговора по званичном средњем курсу убудуће односи не само на нове, већ и на раније склопљене уговоре.

Страхујемо да би селективном применом одредби Закона о заштити корисника финансијских услуга била настављена досадашња дискриминаторска пракса банака кроз наплате кредита и лизинга по највишем банкарском курсу, који је неретко и за три динара изнад средњег званичног курса.

ПУПС позива све кориснике финансијских услуга, који су раније склопили своје уговоре о кредиту или лизнгу, да инсиситрају да им се обавезе убудуће индексирају по средњем званичном курсу и да траже да се то, у форми анекса, унесе у њихове уговоре. На тај начин уштедеће значајна средства, а банке спречити да, кроз праксу наплате рате по највишем курсу, настављају да убиру екстрапрофит.

Примера ради, разлика у плаћању рате кредита од око 300 евра, применом званичног средњег курса, у односу на досадашњу праксу обрачунавања по највишем банкарском курсу, могла би да буде и до 1.000 динара на месечном нивоу. На годишњем нивоу то би била уштеда од најмање 100 евра.


Comments

  • Its complete worth is 240 points consisting of eighty for kings
    round, 60 for queens round, 40 for the trump marriage and 20 every for the opposite three marriages.
    Use trump playing cards strategically to control tricks, drive your opponent into disadvantageous plays,
    and safeguard your melds. Keep aware of your hand’s strengths and weaknesses throughout the game.
    In two-player pinochle, the bidding process is just like
    that of standard pinochle. Each participant takes turns bidding, beginning with
    the participant to the left of the dealer. The minimal bid is usually greater in two-player
    pinochle, and the participant who wins the bid becomes the declarer.
    It’s important to note that the trump suit
    modifications with each hand, depending on the card turned up from the inventory.

    If you have not made the bid and have been “set” then your meld
    and trick points aren’t counted and the quantity of your bid
    is subtracted from your present score. For in-depth information about
    scoring, check with the sources. The groups that did not win the bid still rating their tips.
    After all 15 methods are performed out, every participant counts
    the number of counters (aces, tens and kings) that they’ve managed to build
    up of their trick pile. These counters are valued at
    10 factors each, and the winner of the final trick can depend a further 10 points for that.

    The high card is turned face up and positioned next to
    the stockpile to begin the discard pile. The Pinochle
    deck has six totally different card ranks, that are Aces, Kings, Queens, Jacks,
    Tens, and Nines. Pinochle has a singular scoring system that may take a while
    to get used to. “A 10 K” implies that the Ace, 10, and King are each worth 10
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    are every worth 10 and the King and Queen are price 5 each.

    The goal entails scoring factors via melds (specific
    combinations of cards) and methods (winning rounds).

    Going clockwise, all gamers must comply with go properly with until they do not have any cards in that swimsuit.

    If you do not have a card within the lead swimsuit and you’ve
    got got a trump card, you should play the trump card.
    The highest card within the go nicely with wins except a trump card is
    played. If multiple trump card is played, the best of the trump playing cards
    wins.
    The vendor could have the participant on his right minimize the playing
    cards then he will deal all of them shifting clockwise. Many Pinochle dealers will deal three playing cards at
    a time. Players bid for the right to declare trump, akin to a high-stakes poker
    recreation where the highest bidder chooses the dominant suit.
    This variation rewards strategic considering and a willingness to take dangers.

    If two handed pinochle rules
    players rating over 1500 points and neither of those
    players has the bid, the one with the higher rating wins the sport.
    In the unusual event that the 2 players with out the bid ought to
    have a tie score over 1500, another hand is played to
    determine the winner. The participant who received the bid exposes the three cat playing cards for all to see and then places them in his hand.
    He then discards any 3 of his 18 playing cards face down into what’s going
    to turn into his trick pile. The other players usually are not entitled
    to see the discards until after the play.
    There are many alternative variations of Pinochle and tons
    of gamers have their own distinctive rules
    and preferences for the means to play. In this introduction, we’ll start with overlaying the fundamentals and most common concepts.
    We’ll describe a number of the commonest kinds of playing and fundamental methods.

    In subsequent articles, we’ll go into extra detailed descriptions
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    to make use of effective methods for each. Pinochle is a challenging and exciting card game that requires ability, technique, and
    a little bit of luck. It is a well-liked recreation that has been enjoyed by gamers around the world for a few years.
    The last trick is price one level (or two points in double-deck variations).

    At the end of the trick taking part every participant tallies their pointer cards
    and their trick points are then combined with their meld points.

    If the excessive bidder meets or exceeds their bid they
    get to maintain all meld and trick factors earned within the hand.

    In Companion Pinochle, the excessive bidder and their associate mix these factors to succeed in their objective.
    However, if the excessive bidder comes up short they won’t maintain any
    of the factors earned within the hand and as a
    substitute should subtract the amount they bid from their rating.
    The opponents of the high bidder get to keep their points regardless.
    Most variations of Pinochle contain a bidding section in which gamers wager on what quantity
    of factors they believe they’ll earn by the
    tip of the hand. The highest bidder gets honor of selecting the Trump go properly
    with, and often gets to either cross playing cards with their associate or take
    playing cards from the kitty to type a greater hand.

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