Statutory Provident Fund - For all industries employing 20 or more persons engaged in any industry specified in Schedule - I attached to the Employees' Provident Funds & Miscellaneous Provisions Act, 1952 or for all Establishments or classes of Establish- ments to which the said Act has specifically been made applicable by the Central Government by issue of notification in Gazette of India, such Provident Fund is compulsory for employees drawing salaries (Basic + DA) of upto Rs. 6500/- pm.

A social security measure to save for old age of the Employees. It's an equal contribution of 12% of Basic salary contributed by the Employer & Employee every month. The fund is accumulated & returned on resignation / retirement or death.

CPF is a comprehensive social security savings scheme to which both employers and employees have to contribute. CPF takes care of members' needs in retirement, healthcare, home ownership, family protection and asset enhancement.

It is a Fund built up by contributions made by the employee during his working life and an equal contribution by his employer @ 12% of his salary at present and is payable back to him together with interest on exit from employment.

The provident fund of the bankrupt will be considered as part of the bankrupt's assets subject to the provisions of individual provident fund.

The Alternative Investment Market (AIM) was launched in 1995 as a streamlined and simplified alternative for firms considering a listing on the London Stock Exchange (LSE). Although initially thought of simply as a stepping stone to the LSE, the success of AIM now means that it is seen as an alternative market in its own right.

The EPF is a form of compulsory savings for workers. 30% of this saving can be used for house purchases, 30% can be used to meet medical expenses and the balance can be fully withdrawn on retirement or when a person leaves the country for good. Currently, employees and employers contribute 11% and 12% of the employee’s monthly salary, respectively. All deductions and employer contributions should be noted in the employee’s salary slip.

a. An individual can open a Public Provident Fund Account in his own name. He can also open an account on behalf of minor children of whom he / she is the guardian. b. An individual may also subscribe to the fund on behalf of a Hindu Undivided Family or an association of persons or body of individual. c. Those having General Provident Fund or Employee's Provident Fund Account can also open a Public Provident Fund Account.

Open-end Fund is one that is available for subscription all through the year. These do not have a fixed maturity. Investors can conveniently buy and sell units at Net Asset Value ("NAV") related prices A Close-ended Fund has a stipulated maturity period which generally ranges from 3 to 15 years. The fund is open for subscription only during a specified period.

PR can withdraw their savings at age 55, after a Minimum Sum in their Retirement Account is set aside. Members can also withdraw their CPF savings if they are permanently incapacitated or will leave Singapore and West Malaysia permanently. If members do return to Singapore, they must reimburse the CPF Board for the amount they had withdrawn with interest.

CPF funds can be used for payment of tuition fees for Semester 1, 2 & special semesters for full-time undergraduate students only. CPF Board does not allow the use of such funds for Mandatory Miscellaneous fees and hostel charges. Online application can be made at CPF Board website. Please click here to know more about CPF Education Scheme.

Please refer to the table attached. Those not registered to contribute to EPF have to be registered through the R&D Office. Registration is effective throughout one's working life.

per the Act, the member has to contribute at the rate of 10% or 12% of his basic pay, D.A. & retaining allowance if any. In case the member wants to contribute more than this, voluntarily he can do so at any rate he desires. i.e. upto 100% of basic and D.A. But the employer is not bound to contribute at the enhanced rate. Use the appropriate form for claiming Provident Fund Pension, withdrawal benefit/scheme certificate, Employees' Deposit Linked Insurance benefit, etc.

An employee can be exempt from the provisions of the MPFSO under certain circumstances which include, inter alia, the following: permission is given for the person to land or remain in Hong Kong for the purposes of employment under the conditions of stay imposed in accordance with section 11 of the Immigration Ordinance (Cap.

A subscription may avail of himselfs of the loan facility under the Public Provident Fund scheme anywhere between the 3rd financial year to the 6th financial year. However, no loan can be taken after end of the 6th financial year, from the financial year in which the account was opened.

Only Singaporean and Singapore Permanent Residence need to make CPF contributions. For details on the CPF contributions, please refer to the CPF website: http://www.cpf.gov.sg/cpf_info/home.asp.

Yes, there is no objection to Non Residents opening PPF account out of moneys held in the applicants non resident account in Indian Banks.

That depends on the strategy of the concerned scheme. But generally there are 3 broad categories. A dividend plan entails a regular payment of dividend to the investors. A reinvestment plan is a plan where these dividends are reinvested in the scheme itself. A growth plan is one where no dividends are declared and the investor only gains through capital appreciation in the NAV of the fund.

Open-end Fund is one that is available for subscription all through the year. These do not have a fixed maturity. Investors can conveniently buy and sell units at Net Asset Value ("NAV") related prices The aim of growth funds is to provide capital appreciation over the medium to long term. Such schemes normally invest a majority of their corpus in equities. Growth schemes are ideal for investors who have a long term outlook and are seeking growth over a period of time.

The securities in a UIT are professionally selected to meet a stated investment objective, such as growth, income, or capital appreciation. UITs employ a "buy-and-hold" investment strategy: once the trust's portfolio is selected, its securities typically will not be sold or new ones bought, unlike mutual funds.

Comedo (whiteheads or blackheads) or papules. The comedo is the basic acne lesion, which is a plugged pore. If the plugged pore stays under the skin, it's called a closed comedo and forms a white bump or whitehead. Blackheads are comedos that open up and appear blackish on the surface of the skin. This black color is not due to dirt, but because the air reacts with the excess oil. Nodules. These are more serious acne lesions. They lodge deeper in the skin, are painful, and can cause scarring.

Stress incontinence occurs when you sneeze, cough, laugh, jog, or do other activities that put pressure on your bladder . It is the most common type of urinary incontinence in women. Urge incontinence, also called overactive bladder, occurs when the sensation to urinate is so strong that you cannot reach the toilet in time, even when your bladder contains only a small amount of urine.

Soft, large - these are associated with age, and may enlarge, and may predispose to macular degeneration.

Most strokes are caused by a blood clot or a narrowing of a blood vessel (artery) leading to the brain, known as ichemic stroke. Other strokes are caused by a hemorrhage (bleeding) from an artery in the brain itself, known as hemorrhagic stroke.

Atopic eczema is the commonest form of eczema and is closely linked with asthma and hayfever. It can affect both children and adults, usually running in families. One of the most common symptoms of atopic eczema is its itchiness (or pruritis), which can be almost unbearable. Other symptoms include overall dryness of the skin, redness and inflammation. Constant scratching can also cause the skin to split, leaving it prone to infection.

See Special Events for a detailed description. A "regular" orienteering meet is point to point, take the controls in order, fastest person wins. A Score-o leaves the order up to the competitor. Controls have a point value. Most points in shortest time wins. A Night-o is just like regular Orienteering, it's just in the dark, and, yes, you bring a flashlight!

Seizures can be a brief interruption of brain activity (an absence seizure) or more intense and dramatic, including falling or abnormal muscles movements. (Click here to go to the Epilepsy Foundation of American Web site for a description of seizure types.) During a seizure, patient behavior depends on the area of the brain involved by abnormal electrical discharges in nerve cells. Different areas of the brain control different body activities.