Choose the right color for the ceiling Should choose pale colors when painting the ceiling. A light blue color that is both bright and deep; The milky white color represents pure clouds. On the contrary, the floor should choose a bold color. That is consistent with the rule “light heavens and heavy earth”. This rule will make homeowners feel heavy head, light feet. Note when the ceiling is too high or too low The ceiling too high will make the indoor air circulate poorly, the yin and yang is too heavy, the yin and yang imbalance, detrimental to human health. The ceiling is too low in feng shui called “hollows natural snail”. This type of house will damage too much of the human spirit, easily make people become lonely, afraid … For modern society, such a house is also detrimental to the environment and to save energy. In modern urban areas, the best height of the house should be limited to about 2.8m ~ 3.6m. That is beneficial for the balance of yin and yang in the house. Dissolution method: If the house is too low, it is not advisable to install more plaster ceilings, in addition, pay attention to try to open windows to ventilate, to maintain the balance of yin and yang in the house and exchange fresh air, it is best in the house to put a bronze mascot Long Quy Hoa Sat, the better the effect will be. Consider objects hanging from the ceiling Objects hanging from the ceiling such as chandeliers, ceiling fans, flute bells … have certain functions. However, you need to consider carefully when hanging them in relation to the function of the room and the layout of the objects below. In terms of feng-shui ceilings, nowadays, when designing the ceiling, architects often choose the type of plaster-clad ceiling but leave the middle array higher than the surrounding frame. This design is convenient in the arrangement of sleek ceiling lights. In addition, creating a high and low array also creates an image like a pond on the ceiling. According to feng shui, this is the type of “natural world” – sky pond. If it is attached to a crystal chandeliers in yellow color will increase the effect of “long-lasting beauty” for the home’s atmosphere, very good for homeowners. * Information for reference and contemplative purposes.

Illustration On the contrary, if set the mirror wrong position will cause many annoyances and disadvantages. Therefore, Feng Shui expert Phung Phuong has pointed out 9 ways to attract wealth to homeowners. 1. Mirror and house should be proportional to each other. Hanging a mirror indoors should be enough for the person looking in the mirror to see the head. If the mirror is long, it is best to see the whole body. 2. Placing a mirror in the living room easily distracts people. 3. The mirror must not face the window. If there is another house outside the window, it will be a disadvantage for me. Moreover, if there are lights outside or direct sunlight, it will be detrimental to health. 4. Mirrors must not face the bed. When sleeping is the time when people relax and relax, so at midnight, waking up and seeing the shadow in the mirror will startle themselves, leading to the loss of raw spirit. 5. The mirror faces must not be hung facing each other. Because this will make the air flow confused and unable to circulate. 6. After the sofa should not put the mirror because when sitting, the mirror will shine directly on the back of the head, causing a negative effect. 7. Under normal circumstances, the mirror is not allowed to shine directly on any door, as this easily leads to vision and illness. If you hang the mirror facing the main door, you will increase the chance of reflecting the indoor equipment out. 8. In the toilet, it is recommended to hang a large mirror, which can both reflect impurities out, and expand the viewing space. 9. In particular, hanging a mirror of the Tiger of Eight monsters at the main door bearing will have the effect of securing and securing a family very effectively. On the right day and time to be calm and peaceful, the hanging of the Ho Phu mirror at the main door has even more powerful effect, helping to protect the homeowner from the negative air rushing directly from outside into the house.

Illustration. The mudskipper is also called a tree climbing fish because they can stay on land for a long time with exceptional respiration.Additionally, the mudskipper is more special than other fish in that it can dive 5 to 5 depths. 10 minutes or so high up out of the water. Sometimes we climb up the tree, squeeze it on the mangrove trunk. The mudskipper often burrows into the soft, wetlands, close to the edge of the water at the highest tide. The mudskipper often enters the cave when the water flows and feeds when the water is high. The fish’s food consists of mussels, shrimps, shrimps and smaller fish. Although the mudfish has an ugly shape, the meat is extremely delicious, the meat is sweet and soft, has no fat, and is tough. The dishes can be processed from mud snapper such as braised mudfish with pepper, soya sauce, grilled sardines, mudfish salad with pliers leaves, and grilled mudfish with salt and chili. To process the food, the mudskipper must be raw, if dead, the meat will be broken and fishy. For grilled fish, let the whole fish marinate with spices or chili salt to soak and then grill on the charcoal stove. Grilled or blasted in the style of grilled snakehead fish. Grilled fish is baked evenly, only one glaze is the aroma of fish. Grilled fish dish with sour and spicy tamarind fish sauce, sweet and salty, is very attractive to eat while breathing. Or you can eat with vermicelli or rice paper rolls with raw vegetables, eat very fragrant. The mudskipper can also peel the skin of pepper. Season the fish with a little soy sauce, sliced ​​ginger, a little oil, add a few slices of bacon, season with special spices, and more pepper, put in a pot of soil and then simmer the pieces of fish that are both fragrant and delicious. If you want to add more flavor, you can eat with star fruit, cucumber, bean sprouts, fragrant … In addition, mudskippers are also dried by people Ca Mau, Bac Lieu, Can Gio … are places where mudfish live a lot. When traveling to these lands, in addition to visiting the beautiful nature, this is a specialty dish that you should taste, without any regrets! Fish have a funny shape.

This is a new vaccine, not much data is available on the post-injection response. Therefore, vaccination sites need to strictly ensure vaccination safety conditions, including vaccination practice and follow-up and timely management of adverse reactions after vaccination. Below is the Recommended Thing to Know for COVID-19 Vaccination, jointly implemented by the Ministry of Health and UNICEF. Things to know when getting COVID-19 (For vaccinating people) vaccination. According to the Ministry of Health: The vaccination process in Vietnam is implemented at the highest safety level and is different from other countries in the world, including in advanced countries. COVID-19 vaccination establishments must ensure the standards of their facilities, equipment and human resources; conduct screening, counseling before vaccination and organize safe vaccination sessions under the guidance of the Ministry of Health; vaccination users must stay at the vaccination site for at least 30 minutes after vaccination to monitor health status; instructed to follow up at home for at least next 24 hours and to continue follow-up for up to 3 weeks after injection; Hospitals are always ready, standing up for emergency work to prevent severe reactions after vaccination to ensure maximum safety for the person being vaccinated. At the same time, the object of contraindications to vaccination in Vietnam is also wider than that of other countries.

The Vietnam Social Security Agency informed that, over the past time, due to the prolonged effect of Covid-19, many employees (employees) quit their jobs and lost their jobs, so they chose to receive social insurance once. According to the statistics of Vietnam Social Security, only in the first 3 months of 2021, the number of people enjoying one-time social insurance up to more than 226,500 people, an increase of more than 20.5% over the same period in 2020.

Many employees enjoy one-time social insurance with the desire to have an amount of money to cover their current lives. At the same time, a part of the employees still have the concept of “young depend on their father, old and trust their children”, not forming a habit when children pay social insurance so that when they get old, they can have a pension and control their own life. must depend on descendants.

The fact that an employee registers to receive social insurance once, leaves the social insurance system by himself is a worrying situation, not only directly affects the interests of employees, but also affects the socio-economic situation, as well. such as ensuring social security for the people of the Party and State.

The Vietnam Social Insurance Agency affirmed: Receiving the one-time social insurance only gives employees immediate benefits, but the employees have not fully foreseen the risks of losing many of their long-term benefits.

firstAccording to the current law, the total social insurance contribution to the retirement and survivorship fund is 22% of the monthly salary as a basis for the employee’s social insurance payment. In which, the employee pays 8% and the employer pays 14%, the total annual contribution to the social insurance fund. This specific ratio is equal to 2.64 month salary per year.

Meanwhile, if the employee is entitled to one-time social insurance, the annual entitlement rate of social insurance payment is only 1.5 months of the average monthly salary paid for social insurance for the years of payment before 2014 and equal to 2 months of the average monthly salary paid for social insurance. for the closed years from 2014 onwards.

Thus, if receiving one-time social insurance, the employee will lose about 1.14 months of salary for each year of social insurance payment before 2014 and about 0.64 months of salary for each year of social insurance payment after 2014.

Monday, When receiving one-time social insurance, employees will no longer have the opportunity to enjoy their pension, have no stable monthly income to ensure their life in old age. This is a very dangerous thing and leads to other disadvantaged consequences such as: not being granted a free health insurance card to enjoy the benefits of medical examination and treatment with health insurance, health care in old age, an age prone to difficulties. health assessment of each person. Because pensioners will be provided with free health insurance cards during the period of pension entitlement.

Moreover, the employee’s relatives are not entitled to the death benefit when the employee’s unfortunate death. Because if enjoying the pension, when unfortunately dies, the person who takes care of the funeral will receive a one-time funeral allowance equal to 10 times the base salary in the month the pensioner dies and their relatives are entitled to the death allowance. survivor monthly or once.

Ho Chi Minh City social insurance officials mobilize people to participate in social insurance to have a pension when they get old

Tuesday, the money paid to the social insurance fund is a valuable reserve of the employees themselves, it is not lost, but on the contrary, it is managed and invested by the social insurance agency.

In case, with the immediate difficulties (due to job loss, income loss), employees can completely reserve the time to pay social insurance, so that when possible, continue to participate in compulsory social insurance or participate in voluntary social insurance.

Conversely, when the employee has received one-time social insurance, if he / she participates in social insurance again, he / she will not be added to the time of previous social insurance payment, leading to when he is old enough to receive the pension, he / she may not be eligible for the time of payment to receive. pension or pay-period eligibility to receive a pension but the pension rate will not be high.

WednesdayWhen social insurance participants enjoy their pension, the pension level is adjusted periodically according to the consumer price index and economic growth (since 2003, the State has increased the pension by 17 times, with increases from about 7.5% to 9.3% for each adjustment, depending on the target group).

The total monetary benefits when enjoying the pension are much higher than when enjoying one-time social insurance

Sharing the concern about the increase in the number of employees receiving one-time social insurance, Mr. Do Ngoc Tho, Head of the Policy Implementation Department of Social Insurance and Vietnam Social Insurance, affirmed that when an employee receives one-time social insurance, the employee will suffer a lot, because Not yet at retirement age, all old pension money has been spent. When you get old, you cannot receive pension benefits and depend on children, grandchildren and the society.

If they unfortunately get sick and do not have a health insurance card, they also face the risk of not being able to pay the cost of medical examination and treatment after just one illness, long hospital stay, possibly facing poverty. hunger and exhaustion become a burden on families and society.

Mr. Do Ngoc Tho analyzed and took an example of an employee who has full 20 years of social insurance payment, with the average salary of 4 million VND / month for social insurance. Assuming this employee is eligible for a pension or a lump-sum social insurance benefit in 2021, if they are entitled to a pension, the male employee may receive a pension of 1.88 million VND / month.

Based on the average life expectancy of men of 71 years (the average life expectancy of men according to the General Statistics Office 2019), the number of months enjoying pension is 129 months. The total amount of money that person is entitled to from the social insurance fund is nearly 274 million dong.

In which, the total pension received from the age of 60 years and 3 months until death is 129 months x 1.88 million dong = nearly 243 million dong; buying health insurance card (4.5%) equaling nearly 11 million dong; a funeral allowance upon death (10 months base salary), equivalent to 14.9 million dong; survivorship allowance (assuming the lowest one-time death equal to 3-month pension) is over 5.6 million dong.

Many workers in Ho Chi Minh City participate in social insurance to have pensions to help control their life in old age

For female employees, because the percentage of female employees to enjoy pensions is higher (55%) and the period of enjoying pensions of women is longer than that of men (the average life expectancy of women is 76.3 years, equivalent to that after retiring at the age of 55 years and 4 months, retirees will live 240 months), so the total amount a female employee in this example will be entitled to from the social insurance fund is nearly 573 million dong.

Meanwhile, assuming that the employee goes abroad to settle down or has a life-threatening illness such as cancer, polio, cirrhosis, leprosy, severe tuberculosis, HIV infection has turned to AIDS and other diseases. according to regulations of the Ministry of Health; If receiving one-time social insurance, for both men and women, they will follow the calculation as follows: 4 million VND x (1.5 x 13 + 2 x 7) = 134 million VND. Thus, men on pension will benefit more than receiving one-time social insurance of nearly 140 million dong.

Thus, if compared with pension entitlement, receiving one-time social insurance is very disadvantageous for the employees. Because, when social insurance participants enjoy their pension, they enjoy a lot of benefits and the fact shows that the new pension is a solid support for employees when they get old, when they no longer have the ability to generate income.

Mr. Do Ngoc Tho also emphasized that receiving social insurance once will bring many disadvantages for employees. Employees should not for immediate benefits but miss the opportunity to enjoy a pension to cover their lives, as well as to enjoy the health insurance regime to take care of their health in old age. If the same time of social insurance payment is paid, the total monetary benefits when enjoying the monthly pension will be much higher than when enjoying one-time social insurance.

Mr. Do Ngoc Tho recommends that employees consider carefully, should not decide to enjoy one-time social insurance, but should reserve the time to pay social insurance so that when possible, continue to participate in compulsory social insurance or participate in voluntary social insurance. conditions to self-guarantee and take care of their own health when they get old, and at the end of their working age.

During the period of time reservation of social insurance payment, if unfortunately the employee dies, the family is entitled to a funeral allowance equal to 10 months of base salary and their relatives depending on the conditions for monthly survivorship allowance (up to 4 people ) to adulthood (if the child) or until death (if the wife, husband or father, mother is out of working age and has no income or income but is lower than the base salary); In case of receiving one-time survivorship allowance, the allowance level is calculated as one-time social insurance.

Persons on death pension, if there is a relative who is eligible for the monthly survivorship allowance. In fact, there are fathers, mothers, spouses and children who have received a monthly survivorship allowance several decades after the death of their child, spouse or parent.

Propagandizing about social insurance policies for employees. (Photo: PV / Vietnam +)

Over the past time, due to the long-term effects of COVID-19 epidemic, many employees quit their jobs and lost their jobs, so they chose to receive social insurance once. This means that in the future, these employees will not have monthly income from their retirement pensions to ensure their life and will not be issued with free health insurance cards for care. Health in the old age, age often encounter many health uncertainties.

One-time social insurance recipients increased sharply

According to the statistics of Vietnam Social Insurance, the number of employees taking one-off social insurance leave is on an increasing trend over the years, the 2016-2020 period has an average annual growth rate of about 9%. Worryingly, in the first three months of 2021, the number of employees receiving one-time social insurance continues to increase rapidly.

Only in the first three months of the year, the whole country had 226,503 people receiving one-time social insurance, an increase of more than 20% compared to the same period in 2020. Some localities affected by the COVID-19 epidemic had the number of insured people. Social once increased such as: Khanh Hoa, Quang Nam, Da Nang …

The representative of the Vietnam Social Insurance Agency said that the cause of the above situation was mainly due to the impact of the COVID-19 epidemic, which made businesses difficult, leading to many employees to quit their jobs. Up to now, the employee has stopped working for 12 months, so they should apply for social insurance once with the desire to have a sum of money to cover their current life.

Labor procedures to receive unemployment insurance due to job loss because of COVID-19. (Photo: PV / Vietnam +)

Analysis by the period of time off waiting for pension entitlement shows that in the 2016-2019 period, the one-time social insurance beneficiaries are mainly employees after a year of leave without social insurance payment, on average, accounting for about 97%.

In addition to the difficulty of income, there is still a small proportion of employees still think “children trust their father, old depend on children”, not forming a habit when children pay social insurance so that when they get old they have a salary. retired, not dependent on descendants.

Many disadvantages for employees

The fact that employees register for one-time social insurance, leave the social insurance system by themselves is a worrying situation, not only directly affecting the interests of employees, but also affecting to the socio-economic situation, as well as to ensure social security for the people of the Party and State.

According to the calculation of the social insurance agency, if receiving social insurance once, the employee will lose about 1.14 months of salary for each year of social insurance payment before 2014 and about 0.64 months. salary for each year of social insurance payment after 2014. Not only affecting immediate profit, receiving one-time social insurance makes employees lose their chance to enjoy pension, there is no guarantee for life in old age.

Settlement of insurance benefits for employees. (Artwork: Vietnam +)

Sharing worries about the increase in the number of employees receiving social insurance once in the first 3 months of 2021, Mr. Do Ngoc Tho, Head of the Policy Implementation Department of social insurance (Vietnam Social Insurance) said: “As the organization implementing the policy, we really feel very regretful when the employees choose the plan to receive one-time social insurance instead of choosing to preserve the paid time and wait for conditions to continue participating in social insurance, accumulate to enjoy the pension at the end of the working age. ”

According to Mr. Do Ngoc Tho, when receiving the one-time social insurance, employees will suffer a lot, because they are not old enough to retire, they have spent all their old-age pension. When you get old, you cannot receive pension benefits and depend on children, grandchildren and the society.

“If unfortunately sick, no card Health Insurance According to the pension regime, when old workers are still facing the risk of not being able to pay for medical examination and treatment costs after only one illness, long-term hospital stay, they may face poverty. hunger and exhaustion become a burden on families and society, ”said Do Ngoc Tho.

Mr. Bui Sy Loi, Deputy Chairman of the Committee on Social Affairs of the National Assembly emphasized that the status of receiving one-time social insurance makes efforts to mobilize and expand social insurance coverage to face many more difficult.

According to Mr. Bui Sy Loi, employees who receive one-time social insurance means that they leave the system to receive social insurance, self-stripping of the right to participate and enjoy social insurance benefits. especially long-term benefits such as retirement and death. This is an alarming and worrying situation in ensuring rights and policies Social Security long term for employees.

Mr. Do Ngoc Tho suggested that trade unions at all levels should coordinate with the local social insurance to focus on information and communication widely to employees about the superiority and long-term benefits of continuing to participate in insurance. society to workers; It is recommended that employees consider carefully, should not decide to enjoy one-time social insurance, but should reserve the time to pay social insurance so that when conditions permit, they should continue to participate in compulsory social insurance or participate. participate in voluntary social insurance, in order to have conditions for self-assurance and health care for themselves in the old age, at the end of working age./.

Statistics of the Vietnam Social Insurance show that in the 2016-2019 period, the one-time social insurance beneficiaries were mainly young workers and concentrated in the non-state sector, the age of the number of people. The most lump-sum leave to enjoy social insurance is from 26-29 years old, and the average age of one-off social insurance entitlement will gradually increase from 32.5 years old in 2016 to 33.3 years old in 2019.

The rate of one-time social insurance benefits for women is higher than that of men, respectively 55.63% for women and 44.37% for men in the 2016-2019 period.