Valamar was the first in Croatia to provide employees with accommodation in a hotel with a swimming pool

first_imgAnd employees are people, right? In addition, the company provides all its employees who come to work in Valamar destinations from other parts of Croatia and the region with quality accommodation and hot meals, and from this year seasonal workers who will come to work in Rabac will be accommodated in a hotel with pool. This and similar articles on raising working conditions for employees should have been published 5-10 years ago, and today they would certainly not have such problems with emigration and the workforce in tourism. But better than ever, this year the largest hotel companies have significantly raised and improved the conditions for their employees, including Valamar, which was and is one of the leaders. Well done to Valamar. “Valamar has so far invested more than 60 million kuna in quality accommodation for employees, so, in addition to Rabac, seasonal workers already have secured accommodation in hotels for employees of Kuća Valamar at two locations in Poreč and Krk. The construction of the fifth Valamar House in Dubrovnik is also underway, which the first seasonal workers will enter next year “, said Ines Damjanić Šturman, Director of the Human Resources Department at Valamar Riviera. Newly opened hotel for employees Valamar House in Rabac has three buildings with accommodation units. In the main building there is a reception for check-in and a boarding house restaurant where breakfast is served, and the other two buildings are equipped with a shared kitchen with all the equipment and utensils needed for self-preparation of meals. For socializing and relaxing after work, employees have at their disposal a space for video and social games equipped with a game console, table football, table hockey, darts and board games, a living room with shared TV and outdoor areas for socializing with barbecue. Also, within the hotel for seasonal guests, there is a space provided for storing bicycles, as well as laundry and drying rooms. Valamar house in Rabac Minimum net income from HRK 5000 to 7500 for employees who work a full monthly fund of hours, 13. salary in the amount of HRK 5000 net to all permanent employees and those who will work for at least ten months in 2019, special bonuses in the amount of 1200 to 2000 HRK for seasonal workers and a Christmas bonus of HRK 2000 for all full-time employees are just some of the benefits that Valamar Riviera offers to its employees.last_img read more

IRTA and Bernays partnership agreement signed

first_imgThe aim of this cooperation is to bring students concrete examples from practice that will enrich and supplement their theoretical education in the field of communication management and tourism and that will help them prepare for the dynamic work environment that awaits them after graduation.  On the occasion of marking the World Tourism Day, a partnership agreement was signed yesterday in the premises of IRTA between IRTA doo – Istrian Development Tourism Agency and the College of Communication Management – Edward Bernays.  “In addition to the mentioned cooperation, IRTA already has many years of successful cooperation with the University of Juraj Dobrila in Pula, whose students had the opportunity to get acquainted with the work of the agency through various projects and specific tasks that await them after graduation., said Slavica Tobok Kandić, director of IRTA doo Such collaborations also aim to contribute to better and better networking of the academic and public-private sectors and the transfer of experiences, the ultimate goal of which is even better detection of quality and professional staff and directing them towards specific tasks and challenges of an exciting tourist environment..  center_img As part of the said agreement, guidelines for cooperation have been agreed, which will include the internship of Bernays students in the form of fieldwork within the business system and activities that the Istrian Development Tourist Agency deals with. Bernays will also have the opportunity to engage IRTA experts as mentors and guest lecturers in individual courses conducted as part of study programs, with the aim of presenting concrete experiences from practice within IRTA, which are experiences in the field of development and promotion. cultural and adventure tourism (Istra Inspirit), development of cyclotourism and outdoor tourism (Istra Outdoor) and management of the destination web portal and accompanying social networks under the brand Visit Istria. Photo: Istra Inspiritlast_img read more

An invitation to award the Welcome Prize for the best landlords in Zadar County in 2019 has been published

first_imgZadar County, as the implementer of the Welcome Awards program for the best renters in Zadar County, invites all renters of rooms, apartments / studio apartments and holiday homes in the Zadar County who have the quality label “WELCOME” to apply for the Welcome Awards for the best renters in Zadar County in 2019. Welcome awards for the best renters in Zadar County is a project of Zadar County which aims to encourage and emphasize the importance of a quality approach in managing family accommodation. The public call is open until November 21. 2019, and you can apply HEREcenter_img The aim of the project is to raise the quality and enrich the offer of family accommodation in the Zadar County. Prizes will be awarded for three main categories of accommodation: rooms, apartments / studio apartments and holiday homes.last_img read more

Moratorium on loans – We have investigated how many banks can meet the tourism sector?

first_imgTo its clients, including natural persons engaged in tourism, who have so far duly settled their obligations, but whose income and business are affected by the current circumstances related to the coronavirus epidemic or the aftermath of the Zagreb earthquake, Erste Bank allows deferred repayment of credit obligations in lasting from three to a maximum of six months, with an expiration date of no later than 1.10.2020. During the period of delay, clients do not pay their annuities, and only regular interest is charged, which is due together with the last annuity and can be paid once or in agreement with the bank, using some other options. There is no charge for the change per loan, and taking into account the fact that the notarial fee in these circumstances is a significant item for citizens, the cost of solemnization for loans where this is required is fully borne by Erste Bank. However, the situation with the Covid19 epidemic has hit the tourism sector the hardest, and what was unthinkable until recently happened – that tourism has literally stopped globally. And thus logically stopped, both current and future income of entrepreneurs in tourism. For business entities, assistance measures relate to vulnerable activities affected by the COVID-19 pandemic, and clients whose business relies on these activities. To apply for any assistance measure, the client should document the effects of the COVID-19 pandemic on business. Business entities in PBZ can apply for three Measures: The demands and expectations of the entire tourism sector, which is currently without income, are an understanding of the current situation, and they expect the same from their partners. Of course, even banks cannot forgive debts and operate without income, and mutual understanding is certainly needed for this extraordinary situation, which no one could have foreseen. Erste Bank bears the cost of solemnization Zagrebačka banka Measure 2. liquidity preservation loans (new funds for working capital with a maturity of up to 6 years) And OTP banka without additional costs of verification of the annex to the Loan Agreement Of the nearly 9000 loans for which a deferral request has been filed so far, less than 100 relate to tourism loans. Reasons for requesting a deferral of repayment may be: temporarily reduced or suspended salary by the employer, loss of employment, decline in income with craftsmen, decrease in other income (eg from renting, etc.). When it comes to clients who belong to business entities by segmentation, OTP banka started receiving applications for assistance measures through the FINA application at the beginning of April, and in direct contact with its business advisors, clients started plans for the best business solution for the current situation. regardless of whether they are from the tourism or some other economic sector. In order to maintain business continuity and preserve jobs in the Republic of Croatia, including the tourism sector, Hrvatska poštanska banka enables the contracting of assistance measures to its clients whose business is affected by the coronavirus pandemic, including clients dealing with tourism. All clients whose financial situation has been seriously damaged or who have been left without a regular income, they personally or a member of their household can apply for a moratorium. As of April 1, OTP banka dd used an online application on its website to enable the registration of its clients without the need to come to the branch and without the additional costs of verifying the annex to the Loan Agreement. The only obligation of the clients is to sign the annex to the Loan Agreement after the settlement of the current situation, when the conditions for that are met. To use the loan repayment deferral, citizens need to sign up at the bank’s website, on which it was developed online form which needs to be filled out. The form will need to be accompanied by appropriate evidence showing that the epidemic and / or earthquake has worsened their financial situation, in the form of a reduction in income, job loss or, for example, damage caused by the earthquake. Documentation which can be attached as evidence is shown along with an online form, along with a list of frequently asked questions and answers. Upon receipt of the request, the bank will review the submitted documentation and contact customers with instructions on further steps. Regular interest is charged but not charged. Upon the expiration of the deferral, the interest repayment is not attributed to the principal but is allocated to the remaining loan term, and the corresponding part of the interest matures together with the regular annuity / installment after the expiration of the deferral. No regular interest is charged on the allocated interest in the remaining repayment period. In addition to the stated deferral of repayment on loans, the Bank provided to the users current account overdrafts, maintaining the existing overdraft amount regardless of the change in income for the next 6 months. It should be added that the loan repayment is delayed in PBZ  free of charge and at no cost of solemnizing the addendum to the contract.  The process of approving the loan repayment deferral to all eligible clients, as they point out from PBZ, is simple and automated, and the online form of the Request for deferral of loan repayment to citizens is available on the Bank’s website. In addition to the online request for deferral of repayment, the request can also be submitted at the Bank’s branches. This refers to annuities maturing in the period from April 1 to June 30, 2020. Clients can submit a moratorium request online or by mail by June 30, 2020. During the moratorium period, clients pay neither principal nor interest on the loan. 1. Deferred repayment (moratorium) and possible debt rescheduling for eligible clients. The duration of the moratorium depends on the client’s activity, ie the degree of influence of the circumstances related to the COVID-19 epidemic on the client’s overall business and on his expected ability to recover. The possibility of debt rescheduling may be subject to the provisions of the credit / guarantee program on the basis of which the loan was initially approved and the approvals of third parties (eg HBOR, etc.). During the moratorium, the Bank will not charge or charge default interest rates or fees of any kind on loans for which a moratorium has been approved. Sberbank provided for all types of loans, including tourism, a three-month deferral of repayment or a moratorium on loans to clients who were in good repayment, with an extension of the loan repayment period by three months. All received customer requests are processed as soon as possible, and for more detailed information, customers can directly contact their business relationship manager at HPB or visit the website Raiffeisen Bank creates a program and special measures for the tourism industry Also, according to pre-agreed eligibility conditions and insurance costs, the Bank will independently decide on loans that will be included in the loan portfolio provided by HBOR up to 50 percent of the principal amount, regular contractual interest, intercalary and pending interest. The secured portfolio under this program may include new liquidity loans with a grace period of up to one year and a repayment period of up to five years. Upon expiration of the three-month moratorium, the Bank will allocate the unpaid accrued interest during the moratorium to the remaining annuities until the end of the loan repayment. The final loan repayment date will be extended by a three-month moratorium. If the deferral of repayment refers to annuities maturing after June 30, 2020, it is necessary to follow the news on the Bank’s official website which also contains all the necessary information on the deferral of payment of financial obligations, as well as the Request for a three-month moratorium. Zagrebačka banka will assess the individual situation of each of our clients, always act in the best interest of all and act correctly in relation to all our stakeholders. Zagrebačka banka points out that the health and well-being of their employees and clients are their main priorities and adds that the Bank has prepared a comprehensive package of measures to support consumers and businesses affected by the COVID-19 epidemic in order to continue helping and supporting their clients during this period of instability. 2. Liquidity credit lines in cooperation with competent state agencies and development banks accompanied by guarantee schemes and other risk coverage. HPB will limit the limits on tacit overdrafts of current accounts of clients keep at the same amounts So let’s go in order:   OTP banka accepts applications for moratoriums on all types of loans for citizens, which include our tourist loans. At this point, citizens can opt for a moratorium lasting 3 or 6 months. During the moratorium, regular interest is calculated, which is paid after the expiration of the moratorium, evenly distributed over the remaining annuities. If the client does not like the future monthly annuity to be increased, he can keep it at the level of the previous one, by agreeing to extend the loan payment for the duration of the moratorium or up to a maximum of 12 months.center_img To all credit users (citizens / consumers), whose loans are in regular repayment and whose financial situation has deteriorated due to reduction or complete loss of income due to the consequences of the COVID-19 pandemic, PBZ Bank will allow deferral of payment of loan principal and related interest and overdue loan obligations not paid until approval requests for deferral of repayment of loan obligations. Deferment of repayment will be allowed for a period of three months, with the automatic possibility of extension for an additional three months. Measure 1. deferral of loan payment (or moratorium), deferral of payment of loan installments and interest for 6 months, in the period of deferred repayment of interest is calculated but not charged, the agreed interest rate does not change, there is no fee for processing the request. In addition to the above, PBZ also allows for the extension of overdrafts and revolving for 3 months. The Bank will suspend all forced collection measures (for citizens and businesses) in the forthcoming period and will instruct clients with repayment difficulties to use the offered deferred payment measures. Currently, it is small and medium-sized enterprises in tourism that are most affected. The pre-season has failed, and the question is when and how many tourist activities will be in the main tourist “peak”, and these same entrepreneurs do not have large or any financial reserves to survive until next year. Measure 3. reprogram credit (additional facilitation of repayment of existing long-term loans). Sberbank – the final loan repayment date will be extended for a three-month moratorium As every year, various micro, small and medium-sized entrepreneurs in tourism are financially committed to investing in raising quality (arranging accommodation, catering facilities, building swimming pools, new tourist facilities) in order to have new added value in the new tourist season. Our inquiry was answered by six banks that offer or are preparing to offer a loan repayment deferral. Although the conditions in all banks are very similar, there are certain differences that should help borrowers. More information on these measures can be found at: In order to further meet its customers, HPB will keep the limits on tacit overdrafts of current accounts of customers at the same amounts and those customers whose overdrafts would expire or be terminated in the next three months, stopped sending reminders in the next three months and stopped charging default. interest to all clients on loans from April 1 to June 30, 2020. HPB provides its clients – business entities, including those engaged in tourism, with a moratorium on the repayment of total credit indebtedness without payment of principal and interest, as well as the rescheduling of credit indebtedness. These measures are approved for a minimum period of three months from the contracting, and the right to implementation can be exercised by business entities that were in order to settle obligations to the Bank on 31.12.2019. and those whose operations have already been affected (realized decline in revenues in March 2020 compared to March 2019) or will be affected by the coronavirus pandemic (expected revenues for 2020, including emerging circumstances, are lower than planned revenues for 2020).Additionally, in order to facilitate the repayment of financial liabilities of business clients, the Bank in the period from 1.04. to 30.06.2020. does not calculate default interest on credit-guarantee and payment-turnover products of all clients. PBZ banka retains the existing overdraft amounts regardless of the change in income Submission of Requests for business entities is enabled through internet banking through an automated processing process, in which case the processing can be completed within 24 hours. Requests submitted via email are processed within 2-3 days if the client has completed all the information required in the Request. The application is made on the FINA on-line portal for all three Measures, and for the Measure of deferral of loan payment, the Application must be submitted directly to the Bank. The process of submitting a Payment Deferral Request is fully supported by our online communication channels. From Raiffeisen Bank, whose pandemic mitigation measures you can read more about at this connectors, addressed us with a short statement which we transmit in full: The moratorium on loans is a current topic and is still the subject of numerous inquiries. It is necessary to submit documentation that can support the reason for requesting a postponement: employer’s confirmation or a copy of the salary statement or review of account turnover or JOPPD form showing visible reduction of income, termination of employment contract or confirmation from the stock exchange, decision on temporary closure, a document by which the employer announces a reduction in income due to the current situation, etc. And that is exactly why we decided to investigate how much banks in Croatia are ready to meet the needs of their loan users. More details on PBZ assistance measures for citizens are on the links. Private landlords, as well as all other clients of Zagrebačka banka, can exercise the right to a moratorium under Covid19 conditions. Of course, no one could have expected such a situation, so everyone made plans and financial projections, based on the security and growth of tourism in Croatia, where we have a record tourist season from year to year. Small businesses can apply for one of the two measures offered: Measures to help facilitate the repayment of financial obligations are intended for clients – individuals, users of tourist loans and subsidized loans by the Ministry of Tourism in cooperation with HBOR. The Bank enables the extension of the loan repayment period with a reduction of monthly annuities, a moratorium on repayment of the loan principal with monthly interest payment, whereby clients are granted an adequate extension of the agreed repayment period and a moratorium on repayment of total debt with interest expiration. At the moment of the beginning of the implementation of the measure, we will timely inform our clients of the tourist business through our official channels. More detailed information is available at websites Additionally, Zagrebačka banka and HBOR concluded yesterday, April 28 Export Liquidity Loan Portfolio Insurance Agreement – COVID – 19. This agreement is made possible faster and easier approval of new loans to preserve the liquidity of exporters.Using HBOR’s insurance, the Bank will, based on its own criteria and business policies, approve new liquidity loans to clients in various industries, including the tourism sector, which generate at least 20 percent of export revenues.  At Raiffeisen Bank, we are aware that the COVID-19 pandemic has had significant consequences for the tourism sector as well. That is why we are currently working intensively on creating programs and special measures that will be aimed precisely and exclusively at the tourism industry with the aim of facilitating business and providing support to all clients operating in the tourism sector. Conclusion Finally, it is important to point out that for new loans to the tourism sector, it should certainly be taken into account that it would be ideal for loans with a grace period of at least 12 months, ie until the spring of 2021 when the tourism market is expected to reactivate. realistically, the tourism sector will only then receive a certain cash flow, so that they can repay their financial obligations.last_img read more

Rent for poorest Americans really is too damn high

first_imgSchuetz suggests expanding government rental assistance, which is currently not distributed very widely.That’s a good idea, but it’s important to remember that giving more poor people housing vouchers will tend to raise rents overall — some of the benefit of government assistance will accrue to landlords.Another idea is to build more housing.Zoning and other development restrictions should be relaxed. Incentives should also be put in place to encourage smaller units.This supply-based policy would complement the demand-based measure of better housing subsidies, giving poor Americans more places to live, and helping them pay for those dwellings.A third component of reform should directly attack the harms of housing insecurity. Eviction should be restricted.A simple idea is to make landlords give tenants a much longer notice before evicting them. Larimore and Schuetz find that the average household in the bottom fifth has only $476 to spend every month after paying rent.This is down from about $600 a month at the turn of the century, in inflation-adjusted terms.Imagine having to feed and clothe a family, commute to and from work, and keep the heater running on $476 a month!Fortunately, that number doesn’t include government assistance.Schuetz estimates that a low-income household may also receive about $333 a month in food stamps and $417 a month in earned income tax credits.That’s in addition to other benefits they may receive, such as health care, child-care assistance, unemployment insurance, Social Security disability payments and others.Those programs can and should be increased. Categories: Editorial, OpinionAre poor Americans doing better than they used to, or worse? It’s hard to know, because so many important things in life — social status, emotional health, human relationships — can’t be measured.But in purely material terms, many things have improved. Though a substantial number of Americans of all income groups are homeowners, poor Americans are more likely to rent.In real terms, the rent paid by low-income households has risen modestly — about 9 percent.Meanwhile, real income for the bottom fifth fell by about the same amount.Squeezed between smaller paychecks and higher rents, the poor have less and less money each month to spend.Larimore and Schuetz estimate that poor American households pay more than 55 percent of their earnings in rent, compared with less than 30 percent for households in the second-lowest quintile.Despite much public outcry over rising rents in the U. S., most non-poor households are still able to afford shelter without a severe economic burden.More money spent on rent means less for everything else. But as Schuetz notes, those big rent burdens harm poor households in ways not reflected in their cash spending.When you pay more than half of your income in rent, even a small or temporary dip in earning can be enough to put you out on the street.As Harvard University sociologist Matthew Desmond documented in his book “Evicted: Poverty and Profit in the American City,” the experience of being kicked out of one’s home is a shattering one — and, sadly, one that is increasingly common.It imposes huge costs on the family being evicted — they have to find temporary housing, find a new place to live, pay the cost of moving, and establish new commuting and shopping patterns, all while either holding down a job or searching for one.Small wonder, then, that lack of affordable housing leaves permanent scars on children who experience it.Having a secure place to sleep is one of the most basic human needs — it has not changed since the first caveman crawled under a rock to escape the rain.So how can the U.S. solve the housing problem for its poorer citizens? Homelessness is down.Government assistance to families with children has lowered the official child poverty rate.Hunger has fallen as well.Though the country doesn’t do a great job at providing the poor with health care, things have improved marginally since the Affordable Care Act went into effect.What’s more, most of the poor now possess items that you would find in most middle-class households.According to a 2011 Census report, 53 percent of households in the lowest income quintile have a computer, 65 percent have a clothes dryer, and 38 percent have a washer, dryer, refrigerator, stove, dishwasher and a telephone.But there is at least one way in which poor American families are being increasingly squeezed — the rent. A new research note from the Federal Reserve Board’s Jeff Larrimore and Jenny Schuetz of the Brookings Institution shows a combination of rising rents and falling incomes among the poorest fifth of households. Now, most U.S. states allow landlords to evict tenants for nonpayment of rent after just a few days.If landlords had to give a longer notice — perhaps a month of lead time — it would shift some risk to the property owner, and give poor families time to find new arrangements.Landlords would respond to that risk by increasing rents, of course, but with eviction protections a rental increase is less dangerous.So in order to improve the lives of the country’s poor, there should be more focus on housing.Little action is likely at the federal level, but state and local governments can do a lot to help their least advantaged citizens have an easier time keeping a roof over their heads.Noah Smith, a Bloomberg View columnist, was an assistant professor of finance at Stony Brook University. He blogs at Noahpinion.More from The Daily Gazette:EDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Find a way to get family members into nursing homesFoss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Beware of voter intimidationlast_img read more

Parents must teach kids responsibility

first_imgIt’s a shame parents are looking to the government to solve the problems of shootings at schools and their children getting into trouble. Parents should be held responsible for raising their children, not the usual excuse — I pay taxes, you do it.It seems that nowadays the kids are always right and the authorities are always wrong. Parents are always taking the kids’ side. I would like to share this list of “How to Raise a Crook.”1) Give him anything he wants. This way, he’ll grow up to believe that the world owes him a living.2) Never give him spiritual training. Wait until he’s 21 and let him decide for himself. 3) Avoid using the word “wrong.” It might make him feel guilty and his school work may suffer.4) Don’t make him work at home. Do his work for him so he’ll learn at an early age to leave responsibility to others.5) Let him watch anything he wants so he can learn from television how to get along in the world.6) Give him spending money so he won’t be frustrated by having to earn it himself.7) Don’t make rules for him. You might make him angry at you.8) When he gets bad grades, blame the teacher.9) When he loses his job, blame the boss. Categories: Letters to the Editor, Opinioncenter_img 10) When he gets caught drunk driving, blame his friends.11) Let him experiment with sex, drugs and alcohol.12) Buy him a car as soon as he can drive.If parents can’t discipline their kids, how can anyone else expect to?Frank J. KakelyWiltonMore from The Daily Gazette:EDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Beware of voter intimidationEDITORIAL: Find a way to get family members into nursing homesFoss: Should main downtown branch of the Schenectady County Public Library reopen?Police: Schenectady woman tried to take car in Clifton Park hours after arrest, release in prior the…last_img read more

Government shows its inconsistency

first_imgCategories: Letters to the Editor, Opinion I won’t debate the doubtful merits of solar energy here, but I find it hard to justify the destruction of growing trees and grasslands to do it.They seem to think it’s OK because it won’t be visible to the public. Why not at least put panels on rooftops, or in parking lots, as at GE?  No mention of the benefits of the trees that are gone, or the destruction of wildlife habitat. Now if the property owner, without tax breaks, wishes to destroy his land, fin. But I don’t want my tax money to finance it.The second article praises a grant from the state to send an army of trucks to block the free flow of traffic in Glenville in order to survey the tree population of Glenville, citing the benefits of the trees. Wow. I’m not sure of the merits of this survey, but at least why not make sure that 85 acres of green-land are left alone?Donald H. DavisCharltonMore from The Daily Gazette:EDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Find a way to get family members into nursing homesFoss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Beware of voter intimidation I couldn’t help noticing the inconsistency of our government in action, as typified in two articles on the same page of the May 29 Gazette. In the first article, the Clifton Park planning board is considering a proposal to erect a solar panel array on 85 acres of mostly wooded land. The array itself will be on 21  acres of woodland.last_img read more

The next big thing

first_imgTo access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletterslast_img

Chesterton crashes £6.5m into the red

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Agency 2005: UK professional firms compared

first_imgWould you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.last_img