การปรับโรงสร้างหนี้

ในสถานการณ์โควิท-19 ที่กำลังส่งผลกระทบกับคนทั่วทั้งโลกโดยเฉพาะคนที่มีภาระต้องใช้หนี้เดือนต่อเดือน ช่วงนี้รัฐบาลจึงออกนโยบาย การปรับโครงสร้างหนี้ออกมา นโยบายดังกล่าวเหมาะกับลูกหนี้แบบไหน และมีวิธีการเช่นไร เราจะมาหาคำตอบไปพร้อมๆกัน ขอบคุณบทความดี ๆ จาก

การปรับโครงสร้างหนี้คืออะไร

การปรับโครงสร้างหนี้คือการเจรจากับเจ้าหนี้ในกรณีไม่สามารถผ่อนชำระหนี้ได้ตามเวลา โดยจะมีการขยายระยะเวลาและลดจำนวนการผ่อน หรือลดดอกเบี้ย เป็นการชั่วคราว โดยการเจรจากับเจ้าหนี้หรือธนาคาร ตัวอย่างเช่น จากเดิมผ่อนเดือนล่ะ 15,000 บาท ยื่นเรื่องขอปรับโครงสร้างหนี้เป็นผ่อน 10,000 บาทต่อเดือนเป็นเวลา2 ปี เป็นต้น

ข้อดี-ข้อเสียของการปรับโครงสร้างหนี้

เริ่มกันที่ข้อดี คือ ทำให้ลูกหนี้ไม่รับภาระที่หนักเกินไปในวิกฤตเศรษฐกิจเช่นนี้ ไม่ทำให้เกิดหนี้เสียในระบบ ไม่ทำให้เกิดการฟ้องร้องจนต้องมีค่าใช้จ่ายที่ไม่จำเป็น และเป็นการแก้ปัญหาแบบประนีประนอมกับทั้งสองฝ่าย ถือเป็นการรักษาความสัมพันธ์อันดีระหว่างลูกหนี้และเจ้าหน้าด้วย

ส่วนข้อเสียของการปรับโครงสร้างหนี้ คือ จำนวนหนี้นั้นไม่ได้ลดลงแต่อย่างใด แต่จะเป็นการรวมยอดหนี้ทั้งหมด มาบวกกับค่าปรับ ดอกเบี้ย และค่าทวงถามที่ลูกหนี้หยุดจ่ายไป แล้วนำมารวมเป็นยอดใหม่ และหากมีการผิดชำระแม้จะเพียงครั้งเดียว เจ้าหนี้มีสิทธิ์ในการอายัดทรัพย์ของลูกหนี้ได้ทันที แต่การปรับโครงสร้างหนี้จึงไม่ทำให้เจ้าหนี้เสียผลประโยชน์แต่อย่างใด

การปรับโครงสร้างหนี้สามารถแบ่งง่ายได้ทั้งหมด 3 แบบด้วยกัน

1. การปรับโครงสร้างหนี้แบบป้องกัน ใช้กับลูกหนี้ที่ประวัติผ่อนชำระดีมาตลอด แต่ประสบกับเหตุการณ์ทำให้รายได้หายไปชั่วคราว แต่มีศักยภาพในการชำระหนี้ตามปกติในอนาคตการปรับแบบนี้จะยังถือว่า“เป็นหนี้ปกติเหมือนเดิม” เพราะธนาคารแห่งประเทศไทยมีประกาศออกมารองรับเป็นกลุ่มที่น่ากังวล ควรรีบไปคุยกับเจ้าหนี้ให้เร็ว
2. กลุ่มที่เป็นหนี้เสียอยู่แล้ว คือ ค้างชำระหนี้เดือน 3 งวด ถือเป็นหนี้ที่ไม่ก่อให้เกิดรายได้หรือ NPL กลุ่มนี้ถือเป็น การปรับโครงสร้างหนี้ที่มีปัญหา จึงเป็นกลุ่มที่ควรรีบเข้าโครงการ คลินิกแก้หนี้สามารถหาข้อมูลจากคลินิกแก้หนี้หรือโทรไปที่ศูนย์คุ้มครองผู้ใช้บริการทางการเงิน (ศคง.) โทร 1213 ของธนาคารแห่งประเทศไทยเพราะการหนีหนี้ไม่มีมีประโยชน์
3. กลุ่มที่เจอเหตุการณ์มาหนัก เรียกได้ว่า income shock หรือรายได้ทั้งหมดหายไป แต่มีภาระทั้งหนี้บ้าน รถยนต์ สินเชื่อส่วนบุคคลต้องผ่อน มีความจำเป็นต้องขอพักชำระหนี้ คือ หยุดการชำระทั้งเงินต้น และดอกเบี้ยไว้ก่อน หากมีกำลังก็อาจจะจ่ายได้แค่ดอกเบี้ยเล็กๆน้อยๆเท่านั้น ดังนั้นบัญชีจะอยู่ระหว่างการพักชำระหนี้ และจะกลับมาได้เป็นปกติหลังจากวิกฤตผ่านไป

หากท่านเป็นผู้ได้รับผลกระทบจะมากหรือน้อยก็ตาม อย่ามัวรอรีบเดินไปหาเจ้าหนี้และทำเรื่องปรับโครงสร้างหนี้ให้เร็วที่สุด เพราะการหนีหนีไม่ทำให้เกิดประโยชน์กับฝ่ายใดก็ตาม

Investing in a Fireplace Resistant Safe

In lots of business establishments fireproof cupboards perform a significant role. That is largely for their highly secure features. Though most corporate practices are keen to complete paperless transactions, and rely on digitized information today, no one can completely do away with paperwork. Thus a fireproof case is really a must-have running a business firms and is essential in problem management.

There’s a whole lot of huge difference between a standard cabinet and a fireproof case though they could look the same.

Some firms make the mistake of saving crucial contracts, confidential business documents, deeds, economic documents, and so on in a standard filing cabinet. But the fact remains these units will simply prevent unauthorised access. They will also allow you to store your valuable documents within an prepared manner. Nevertheless, they will not defend your belongings in the eventuality of a fireplace mishap. In the event that you spend money on it your papers will soon be safe and protected since they are tested and made for their fireproof security.

We have mentioned previously that the fireproof case could be the first faltering step towards fireplace safety. This is because they could withstand injury due to fireplace for approximately two hours.

Let’s see what are the results once you keep paper in a normal cabinet. Report gets ignited at high compression. The heat in a very common cabinet can increase very quickly as metal is a good conductor of heat. Consequently even though the cabinet is not broken throughout a fire episode, the paper contents inside it is going to be absolutely destroyed. On the other hand, a normal fireproof cabinet could have a double-walled metal body. And the worthless space will soon be filled with a unique fireplace resistant compound. The element will have a moisten such as gypsum or alum that after hot produces water vapour.

Some with this water vapour is channelled in to the inner of the safe to produce a force seal from the outer heat of the fire and to regulate the interior temperature. The top, back, bottom and leading of the door get a grip on the pressure/humidity levels. This enables a number of the steam to flee into the fire. These features strengthen the fireplace resistance of the safe. Throughout a fireplace outbreak these features may guarantee that spaces are sealed.

Most fireproof cabinets also have high quality sealing bolts, electronic locks, and particular draw by bring accessibility controls. Each compartment is individually protected for fireproof filing. Thus the papers will undoubtedly be secured even though a cabinet is remaining start during a fire outbreak. In a regular cabinet these characteristics are missing.

You may find that the benefits of investing in a fireproof document bag outweigh the cost element whenever you have a fireplace chance review into consideration. Your company can function successfully also after a fire accident in the event that you buy fireproof cabinet.

Fireproof filing cupboards defend documents, CDs and other useful possessions for a extended period of time not only within a fire breakout, but also all through normal disasters such as an quake and flood.

An additional advantage is that they’re multifunctional. It can defend such a thing from papers and jewellery, to antiques, CDs, income and also costly art works, and weapons! They could endure tampering from the exterior to a large level, too.

Solutions Made available from Advertisement Agencies

Advertising agencies are these firms that guide ad place and time, style printing on television, radio and internet ads, build new promotional ideas and do research surveys to help a customer enter and achieve a particular decided market. Advertising- agencies aren’t determined by the advertisers because they have their own group of principles for the services they provide for their clients. The typical customers of advertising `agencies contain corporations, relationship and only proprietorship companies, nonprofit seeking organizations and the government agencies. With respect to the purpose of the advertisers, advertising. agencies may be used to produce commercial messages.

That is also referred to as an advertising campaign. Such agencies may be little or large. Their size could be assessed in capitalized buildings. Today capitalized houses are the sum total of all of the measured organization which moves through the arms of the agencies. Such agencies having a sizable quantity of workers commonly have numerous locations. The additional practices may be considered as support practices, and provide regional services.

The continuous evolution of advertising : agencies is such that they’ll provide much significantly more than standard advertising. A complete offer of such agencies takes under consideration the solutions of marketing, advertising income campaign, community relations, occasion preparing, traffic, media preparing and buying, package designing, sports advertising, solution position and marketing and offering of the products and services of the clients.

For a lot of financial causes, advertising agencies prefer to set up an Firm of History connection using their clients. This relationship has a stipulated time limit and has facts regarding fees, ownerships, commissions as well as firing clauses. A project work is the work performed by advertising agencies without any problem for benefit. In such instances, the challenge is separate, and the price is maintained accordingly. If we consider famous brands advertising agencies , then it may be assumed that the firms just generate advertising.

Advertising agencies cater for important assets of any enterprise which attempts to increase the consumer base. Such agencies are generally supported by firm information about press location and company strategy. The concentration of numerous agencies may be different. Some might give for some large clients and not consent to new accounts. At once, some agencies might keep balance with larger companies. The bigger companies may also increase the standing of little businesses. Ideally the advertising agencies ought to be knowledgeable about the issues of the tiny businesses. They need to understand the criteria of the small businesses.

Agencies might be applied to produce an Advertising agencies San Diego. An advertising business is definitely an organization that, besides from customers, produces and places advertisement on media, and programs advertising campaigns. Advertising agencies may as well perform other marketing purposes, checking market research and consulting. We might characterize an advertising organization as a sovereign company establishment that discounts an agreement with advertisers to administer their advertising. Typically, advertising solutions are of an modern nature, except the firm principle has inflated to take account of research services.

More regularly than maybe not, these agencies are classified by the type of market they are trading or the range of companies they’re offering. An advertising company generates advertising material, indentures for publication place, and periodically embarks on industry research on behalf of its clientele. An advertising company options and handles all facets of a customer’s marketing. Advertising agencies may concentrate in specific parts, such as active advertising. Also, they can be a full-service firm which Generates advertising materials like brochures, catalogs, print materials for advertising , media broadcasting promotions, income words and several more.

An advertising agency is focuses in planning and managing advertising on behalf customers. An advertising company with full-service offers a series of help customers, along with booking advertising space, advertisement designs and creation, study commissions, giving sales promotion mentoring and work as advertising coach. Study preparing, creative concepts, press exposures, productions and reports are a part of sectors inside an Nearly all advertising agents use work on the establishment of a commission on the entire costs used by the client. Advertising firms are outside companies that produce designed for the marketing and advertising necessities of different firms and organizations.

One of the best ways to select from advertising agencies is to question some body whom you can trust. When there is any ad that you genuinely like, then you can contact up that business and keep a supplement because of their pleasurable taste. Then you’re able to go to enquire about who their advertisement copies. The connection involving the client and the firm should be centered on trust. You are able to select to work well with the agencies with whom you have a considerable relation. The companies that you will get will cost a large amount which will make you experience positive about your satisfaction through the entire relationship.’

Online Casinos and How They Have Improved

Enjoying poker is a fantastic activity and an engaging form of entertainment. Although some instances in the past you could have unearthed that you desired to play poker but were not shut enough to a casino to only get in your car and run on in to take a seat at the poker table. That is where on line poker gaming comes into the picture. On line poker is an increasingly common method of playing poker from within the confines and comfort of your personal home. As you can enjoy many different types of poker games at casino establishments, on line poker sites also make this type of range pertaining to poker activities offered to their poker players. Playing poker on line via an on the web poker internet site differs in several ways from playing in a physical casino environment. It is important to target on these variations thus enabling your self to help make the choice of if enjoying poker card games online is the proper option for you.

One way in which playing poker online and playing poker in just a casino is different, pertains to the betting limits which are required on the poker players. When playing poker on line by means of an on line poker website, the web poker player may not be needed to put on just as much income for an ante since the poker participant that’s enjoying this kind of card game within the casino limits. This is one of the numerous features of enjoying poker in an on the web setting. Many persons would like to play poker for enjoyment or to make a little paying income possibly and are skeptical of endangering large amounts of profit the process.

The many on the web poker websites enables the potential on line poker person to bet smaller amounts of income compared to the casinos can at times. This is an attractive feature of the online poker websites. If you should be seeking to spend small levels of income, this could be the sort of gaming situation for you. If money isn’t any subject, then probably you will would rather visit a physical casino. However, remember that specific online poker websites will variety larger betting limits.

Yet another manner in which enjoying poker on an on the web poker website varies from the casino environment is having less different players in your bodily vicinity. Casinos could make an individual develop into a touch claustrophobic after awhile and if you should be the kind of personal that loves their possess room, then on line poker gambling on a dewapoker web site might you should be the answer. When you are playing poker on line you’re enjoying against different individuals; nevertheless, the benefit to this really is that you will be not packed in a small, stuffy place with these other participants breathing down your throat, looking to get you to run up and produce a move.

Not only will this type of person behavior on the part of one’s peers be annoying but it may also produce you choose to perform in a way that you would not have done had you been given the full time and room to consider the shift through. This can be a certain plus to enjoying poker online in place of in a casino. If you’re keen on the theory as effectively, however, perhaps online poker playing can be your cup of tea.

A next manner in which an online poker website might be right for you is if you appreciate excitement and would like to enjoy more than one sport at one time. By playing the poker sport in an on the web placing, you have the ability to enjoy several game at one time. This isn’t possible in an actual casino placing because the only way a person might be playing at multiple table at once would be if that person had actually long arms, that will be very unlikely. Thus, by using on line poker websites you can play 2 or 3 activities at once. The option is as much as you. If you have the focus abilities to move that down, then this might be another desirable depth that will move you in to enjoying in an online poker game setting.

A final way in which enjoying poker activities via an on line poker site could be proper for you personally is if you prefer the capability of not having to leave your property to be able to appreciate some gaming entertainment. On the web poker websites are really convenient for several reasons. To start with, you do not have to drive anywhere to be able to enjoy poker. You simply wood onto the internet via your web service, relate solely to a certain online poker web site and get down to business.

An additional reasons why on the web poker websites are incredibly easy is that they permit you to jump correct into a game without ever having to attend for a chair to open up. Last but most certainly not least, on line poker sites are incredibly easy options for the avid poker person in which they help you to pay money and gather money with a several rapid variations of the keypad. Cost systems companies that act as a go between from online poker participant to on the web poker web site help income to be transmitted easily and effortlessly from on the web poker player to on line poker internet site thus ensuring that possibly or equally individual(s) are paid in a swift manner.

Online poker websites really are a great option to the casino companies of the past. Not to imply that casinos are old, this really is just to supply an option to poker players that could be thinking about looking into that different type of gambling avenue. If the aforementioned goods appear of great curiosity for your requirements, then perhaps on line poker enjoying is something that you need to take a look at. It never affects to give it a try. It that are anything that you will be pleased to have found and may change your impact of gaming forever.

Industrial Automation Systems – Examples of Resources Found in the Method

To the majority of persons, Artificial Intelligence (AI) probably means sci-fi films with robots and computers performing inconceivable human tasks. While this is partly correct, what AI really provides to the desk is permitting products to carry out sensible tasks. Since the issues confronted by worldwide decision designers skyrocket, there’s an urgent have to propel organizations and societies forward using the most contemporary technology. With the world changing at an unprecedented pace, businesses have to revamp and rebuild how devices and people work. And AI is helping meet those goals. In accordance with Forrester, Cognitive systems such as robots, artificial intelligence (AI), equipment learning, and automation can replace 7% of US careers by 2025.

The manufacturing segment is characterized by an atmosphere packed with uncertainties and growing dynamics. With actually rising industry volatility, producers need certainly to continually innovate, modify and react to changes in the quickest time, without hampering the grade of products, and at the least probable cost. The effectiveness of a production system strongly depends how properly store floor functions respond to changes. Critical shop floor functions such as production arrangement and maintenance have to be exceptionally responsiveness, and their integration is what will result in an optimal and powerful decision creating environment.

AI finds application in a host of industries including gaming, banking, retail, industrial, and government, and is slowly becoming pervasive in the manufacturing sector, facilitating the automation of industries. AI-driven products are paving a simpler road to the near future by giving a host of benefits – offering new opportunities, increasing production efficiencies, and getting machine conversation closer to human interaction. The Last Industrial Revolution has been driven by the automation of knowledge-based work; by creating new ways to automate jobs, we could restructure the way individuals and machines live and interact, to make a better, tougher digital economy.

AI helps over come many natural problems which were plaguing the: from scarcity of experience, to choice complexity, integration issues, and information overload. Adopting AI on the store ground allows organizations to completely transform their processes.

Process Automation : The utilization of AI and robots is very interesting in industrial manufacturing as they revolutionize mass-production. Robots are designed for performing repetitive projects, streamlining the manufacturing product, raising volume, building automation options eliminating individual mistake and providing larger levels of quality assurance.

Round-the-clock Manufacturing: While individuals are forced to perform in 3 adjustments to ensure constant manufacturing, robots may permit a unlimited, 24/7 manufacturing line. Firms may increase their creation abilities and meet up with the rising demand of consumers worldwide.

Safer Working Conditions: With several problems occurring on the shop ground, a shift towards AI means less individuals are have to carry out harmful and excessively laborious work. As robots replace humans and perform ordinary and hazardous jobs, the number of workplace casualties will plummet all across.

New Possibilities for People: As AI takes over the shopfloor and automates tedious and routine human tasks, individuals are certain to get to focus on complicated and innovative tasks. While AI protects menial labour, people can give attention to operating development and steering their organization to newer heights.

Paid down Functioning Expenditure: Although bringing AI onto the shopfloor could involve a massive capital expense, the ROI is substantially higher. As sensible devices begin taking care of day-to-day-activities, firms can enjoy considerably decrease overhead.

AI and Industrial Control Systems have evolved substantially in recent years. Progress in unit learning techniques, advances in detectors and the development of research power have helped produce a new era of robots. AI assists helps devices to gather and acquire understanding, realize habits, and learn and adapt to new circumstances or settings through equipment intelligence, learning and presentation recognition.

The main element driver of the Last Industrial Revolution may be the speed at which it is happening. With engineering today at our fingertips, firms (and even industries) can degree up with the blink of the eye, fundamentally adjusting just how we live our everyday lives (and in a fraction of the time). Applying AI, business leaders and engineering founders can make the right platforms and solutions, fundamentally improving company outcomes and driving success in the current ever-growing digital economy.

A graduate in technology, Toya Peterson is a devoted blogger who’s always interested in the recent fads and styles related to wearables, IoT and stuck technologies. A mother of two, she aspires to be always a photo-blogger soon as she’s sharpening up her abilities in photography. In her leisure time, she likes to move climbing with her friends.