According to numerologists, numbers have special vibrations that affect each person. Numbers can indicate to us almost everything: destiny, character, future, profession and even illness. In addition, the numerology of numbers will help you find out your individual fate code and point out what can make you more successful.

For example, you were born on 03/13/1970. We consider: 03/13/1970 = 1 + 3 + 0 + 3 + 1 + 9 + 7 + 0 = 24. This number will be the first in the code.

After that, we bring this first number to a single-digit one: 24 = 2 + 4 = 6. Number 6 - this number will be second in the code.

To get the third number, you need to multiply the second number (6) by two and bring it to a single-valued form: 6 * 2 = 12 = 1 + 2 = 3. Then the resulting number (3) must be subtracted from the first number (24): 24 - 3 = 21. So, third the number in the code will be 21.

The fourth number is calculated from the third by reducing it to a monosyllabic form: 21 = 2 + 1 = 3. so fourth the number in the code will be 3.

As a result, we got an individual code: first number = 24, second number = 6, third number = 21 and fourth number = 3.

Write it down and your date of birth next to 24 6 21 3 13 03 1970. Then count how many ones, twos, triples, etc. appear in this line. The number of these numbers determines your success and indicates what helps you in life and what interferes with your well-being. The norm for every number in your code is three. If there are more identical numbers, then these are already deviations. So let's find out the meanings of the numbers.

Units... If you don't have them at all, then you are a driven person and try not to express your opinion. If you have three units, you are a gentle and kind person. If less than three, then you have low self-esteem. You need to value yourself and accept yourself for who you are.

Deuces... If you don't have twos, then you have a weak energy potential. You quickly get tired both mentally and physically. You need to do yoga or meditation, and wear red clothes, it will restore your energy. If you have two deuces, then you are fine with energy. If three - then you have the ability to clairvoyance and extrasensory perception. If there are more triplets, then you are a danger to others, try to control your words and thoughts.

Triplets... If you do not have threes, then it is difficult for you to understand other people. Try to be more interested in other people. If you have three triplets, then you have good intuition. If more, then you have supernatural abilities.

Fours... If you do not have fours, then by nature you are secretive and it is not easy to get along with you. If you have at least one four, then your strong point is diplomatic ability and conflict-freeness. If three or two, then you have every chance of achieving success in sports. If there are more than three, you are too deceitful.

Fives... If they are not there, then you are a rude and domineering person. If one or two, then you have a good heart. If three or four is a sign of great patience and mercy. In this case, you should not completely trust people, they can take advantage of your kindness.

Sixes... If they are not there, then you are a nature prone to laziness. If there are three sixes, then you are a very hardworking and hardy person. More than four - envy gnaws at you and it prevents you from living.

Sevens... If there are no sevens, then you are easy to control. According to you, you do not know how to refuse people and blame yourself for everything. If there are two sevens, then luck is always on your side. If more - this is a sign of "second happiness" - impudence.

Eights... If there are no eights or only one, then you have to achieve everything only by your own labor, Fortune is not favorable to you. If three eights are a sign of wealth and luck. Use your intuition to reach your goals.

Nines... Reflect analytical skills. The more there are, the more they manifest in you.

Zeros are not taken into account in the calculation of numerology.

For many people, the code of fate is not six-digit, but seven-digit. Such people are endowed with a special destiny. A bright future awaits them. As a rule, such a fate code is found among show business stars, famous politicians and successful businessmen.

Having calculated your code of success and destiny, it will be easier for you to understand yourself, your desires and goals, and the numerology of love compatibility will help you discover your abilities, see new opportunities and achieve success in your personal life. If this information turned out to be useful to you, click on and

20.09.2013 13:15

An individual horoscope by date, time and place of birth, in contrast to the general zodiacal horoscope, is calculated by the location of the planets for a specific latitude and longitude at a given moment in time. An individual horoscope, determining and analyzing the position of the planets at the time of a person's birth, more accurately and in detail describes the fate, character, features, strengths and weaknesses, inclinations and potential of the individual.

An important part of the birth horoscope is also an analysis of the main trends and predispositions that will manifest themselves in the process of human development and life. Based on this information, you can better understand your own capabilities and find out the ways through which success, happiness and harmony are achieved.

To better know the inner world (your own or another person's), character and behavior features, opportunities and paths of development, you can make an individual horoscope online for free by date of birth using the form on this page. If you are interested in the future, and you want to know what the stars personally advise you, refer to, which describes the positive and negative periods in such life spheres as business, health, love and relationships.

You can also get it for free, without registering and sending SMS and.

Instructions for filling out the form

To get your individual horoscope by date of birth:

1. Type in your name (it will be indicated in the interpretation of the individual horoscope by date of birth).

2. Indicate the date and time of birth. If you don't know the time, select 12:00.

3. Specify the place of birth (for example, Moscow), select a country from the list (for example, Russia).

4. Click the "City" button.

5. If the settlement is found, the message "Similar cities found." Click on the city name in the list, after that the fields "Region", "Latitude, longitude:" and "Time zone:" will be filled in automatically. Click the Get Horoscope button.

6. If the settlement is not found, enter only the first few letters with which the name begins and click the "City" button.

7. The message "Similar cities found." and a list of the settlements found. Click on the name of the required city, the fields "Region", "Latitude, longitude:" and "Time zone:" will be filled in automatically. Click the Get Horoscope button.

8. If you could not find the settlement, select the city that is closest to the desired settlement. Click the Get Horoscope button.

You can independently enter the coordinates and time zone of the desired settlement.

At the beginning of 2013, the modernization of the pension insurance system was carried out in our country. The pension was divided into two parts. The first is cumulative and has not undergone any changes. The second - the insurance began to be calculated according to the new formula.

The updated calculation methodology is based on the value, which is also called the retirement point. It is charged to every citizen who is in labor activity for every twelve months worked.

The retirement score has a direct impact on the amount of future retirement benefits. The higher the PKI value, the higher the amount the citizen will receive. It is worth considering in more detail how to calculate your PKI for the appointment of an old-age pension.

What determines the value of the retirement score

In the process of calculating the size of one point, several parameters are taken into account. The main parameters affecting the size of the IPC value are the sum of points earned before and after 2015.

In addition, the multiplying coefficient has a direct impact on the size of the PKI. Every year, the government of our state calculates the inflation rate in the country in percentage terms. The resulting value is used to calculate the final value of the individual pension coefficient.

In 2017, the government determined the inflation rate - it was 3.2%. However, the multiplier was increased to 3.7%. Thus, the cost of one retirement point from the level of 78 rubles 58 kopecks, after the indexation, is equal to 81 rubles 49 kopecks.

PKI calculation formula

note

Self-employed citizens, unlike hired workers, are obliged to independently pay contributions to the Pension Fund. So, if the annual income of the individual entrepreneur is less than 300,000 rubles, then the amount of 26,545 rubles is payable. If more, then another 1% is added from the amount over 300,000 rubles. Read more about the pension of individual entrepreneurs in

During the entire period of a citizen's official labor activity, points are credited to his retirement account. The amount of pension capital accumulated before the reform of 2015 is also converted to the amount described.

In addition, there are exceptions. During certain moments, retirement points are credited to the personal account of a citizen, even if he did not work. This happens in the following situations:

• when a citizen is on leave in connection with caring for a child, until he reaches the age of one and a half years;
• is doing military service;
• is on leave to care for an incapacitated citizen.

According to the 9th clause of the 18th article of the law of the federal level, the size of the individual pension coefficient during the period of official labor activity is calculated according to the following formula:
IPK = (IPKs + IPKn) * KvSP

• PKI - the total number of points on the day of the appointment of the pension.
• IPKs - the number of points earned before January 1, 2015 (calculated by converting pension capital).
• IPKn - the number of points accumulated since January 1, 2015.
• KvSP - applied coefficient of increase of IPC.

Calculation example

IPKi = (CВyear, i / НСВyear, i) * 10

• IPKi - the number of points accumulated over the past year.
• Сyear, i is the amount of insurance premiums paid for the year.
• НСВгyear, i - the amount of insurance premiums taken from the maximum contribution base.

Let's say a citizen receives an official salary in his hands in the amount of thirty thousand rubles. If you return the amount deducted as payment of income tax, then his formal salary is (the amount of income tax is 13%):

30,000 / 0.87 = 34,482 rubles

According to the formula, the amount received is multiplied by 12 to obtain the annual salary:

34 482 * 12 = 413 784 rubles

According to 2018 data, the maximum possible contribution base is 1,021,000 rubles. Accordingly, the number of points that a citizen will earn, provided that he does not send payments directed to the funded part of the pension, respectively, all 16 percent go to the formation of the insurance part, will be:

(413784 * 0.16) / (1021000 * 0.16) * 10 = 4.05 pension points

Where can I calculate the individual pension coefficient?

In order for a pensioner to find out his PKI, it is necessary to use a specialized calculator on the official Internet portal of the Pension Fund of the Russian Federation.

To do this, just visit the site, open the calculator and enter the following data:

• gender of a citizen;
• year of birth;
• term of military service;
• the number of children (including those planned);
• the period during which he plans to be on parental leave (including those planned);
• the period during which he plans to care for disabled persons;
• estimated length of official employment;
• size of formal wages (before personal income tax).

After all the data have been specified, you must press the "calculate" button. The system will automatically calculate the amount of future retirement benefits.

Where can I get information about the values ​​of IPKs and IPKn

You can get information about the number of available retirement points in several ways:

• using the state Internet portal of the State Service;
• order an extract from a personal account on the PRF website;
• personally order a certificate by visiting the PFR branch at the place of residence.

Thus, retirement points have a direct impact on the size of future retirement benefits of citizens of our state. The calculation procedure is rather complicated, therefore, to obtain information about the amount of future pension, it is worth using specialized resources. This will avoid errors and inaccuracies in the calculation process.

Ask questions in the comments to the article and get expert advice

Individual horoscope online (free)

On this page, you can build your individual birth horoscope (natal chart) online and get its computer interpretation for free. The interpretation of the horoscope that you receive by filling out the form below can be considered the first approximation to a full interpretation of the individual horoscope.

To study your personal horoscope in more detail, you can sign up for a consultation with an astrologer, who will carefully consider your natal chart and draw up your astropsychological portrait, tell you about the strengths and weaknesses of your character. You will receive comprehensive information on how to use the potential of your personality with maximum efficiency.

Now on the page you see the "Actual horoscope" - a map with the position of the planets at a given time for Moscow.

To build a birth horoscope (natal chart) enter your name, date and time of birth. On the page, the default time setting is GMT (UTC). If you enter the local time of birth, be sure to switch the checkbox to "local" time. Do not forget that the accuracy of the time of birth is very important for an individual horoscope! The permissible approximation is plus or minus 5 minutes.

Select the country, region and city where you were born from the list. You do not need to enter anything in the longitude and latitude boxes, they are filled in automatically! If your locality is not in the list, you can choose the city closest to your place of birth, but the horoscope will not be so accurate. Then press the button "Create horoscope".

The "Natal horoscope" with your birth card will appear on the page. To get a full interpretation of your individual horoscope for free, select "Interpretation" from the "Horoscope" drop-down menu.

Please be careful and avoid mistakes when entering data.
ASTROLOGY IS AN EXACT SCIENCE!

Until 2014, the size of the pension payment depended on the age of the citizen, work experience, income level and contributions. In 2015, the calculation procedure was changed. An individual pension coefficient appeared, which became the basis for calculating the amount of the pension. Let's take a closer look at how it is calculated.

Pension reform

Since 2001, Russia is gradually moving to a mixed system of savings. When determining the amount of payment, the IPC is used - an individual pension coefficient, the calculation of which will be presented below. The pension itself now consists of the following parts:

Insurance, in the calculation of which the PKI is applied;

Accumulation payment.

Individual rules for calculating pension savings are provided only for persons:

• have reached 80 years of age;
• living in the Far North;
• disabled people of the 1st group.

Under the new scheme, pensioners have to choose between benefits and salaries. The reform is thought out in such a way that for 12 months of work, a pensioner can increase the amount of payment by 17%. This will encourage future retirees to continue working as long as possible. At the same time, the law establishes some restrictions. It makes no sense to work for more than 10 years, since the additional coefficient will not change.

Definition

IPK (individual pension coefficient) is the number of points earned over the years of work. Their approximate number can be calculated using the calculator presented on the FTS website. The new system takes into account the years of work, during which contributions to the funds were in an amount greater than the minimum. The accumulated savings are converted into points.

The individual pension coefficient in monetary terms is recalculated annually depending on the level of price increases. To be eligible for a pension, you must have accumulated a minimum number of points.

The value of the individual pension coefficient (IPC) of the insured will be insufficient for persons with unofficial work experience. To retire in 2017, you need to officially pay taxes for at least 8 years. The individual pension coefficient of the insured affects the amount of the pension, which is calculated by multiplying the IPC by the value of the point.

Restrictions

IPK (individual pension coefficient) has a certain minimum and maximum value. Without accumulating the required number of points, you will not be able to retire. The maximum value for persons who have refused insurance payments and left the funded part of their pension will be different. Within the framework of the new reform, the value of the individual pension coefficient (IPC) - of the insured until 2021 will constantly increase: up to 10 - without savings and up to 6.25 - with savings.

Conditions for 2017

When calculating the indicator, special attention is paid to military service and time to care for a child. In the first case, 1.8 IPCs are counted for each year. In the second case, a lot depends on the number of children. The maximum value of the indicator can be 5.4. The cost of 1 point in 2017 is 78.28 rubles. The annual value of the indicator cannot exceed 7.83, if the citizen has refused the funded payment. If the citizen continues to generate savings, then the maximum individual pension coefficient will be 4.89.

To retire this year, you need to officially pay taxes for at least 8 years and accumulate 11.4 IPKs for an insurance pension. If the minimum conditions are met, a citizen has the right to receive only a social pension. According to the government's plans, by 2025 the PKI should be at least 30 points.

Calculation of the individual pension coefficient

Each citizen can independently calculate the amount of the pension. To do this, you need to use the formula:

Individual pension coefficient = (Кс + Кн) х joint venture, where:

• Ks - IPK for the period up to January 1, 2015
• Book - IPK for the period from 01.01.15 to the day of the appointment of the pension.
• SP - increase in IPC.

Each of these parts is calculated according to a separate formula.

Calculation of Ks

Ks = Old-age pension (without a fixed payment): Kk + Ʃ P, where:

• Кк - the cost of one PKI as of 01.01.15 (64.10 rubles).
• Ʃ P - the sum of the coefficients accumulated for each year of the non-insurance period.

These periods include:

• military service;
• the period of care of an able-bodied person for a disabled person of group I;
• residence of the spouses of military personnel who serve under a contract in areas where they could not work due to lack of employment opportunities (no more than 5 years);
• the period of residence abroad of the spouses is not more than 5 years.

The specified periods are included in the calculation when calculating the IPC only at the choice of the insured person and provided that they were not taken into account when calculating the old age, disability or survivor benefit. If the duration of the non-insurance period is less than a year, then the value of the coefficient is calculated based on the actual duration of the period in days or months.

Calculation of Kn

The calculation of the individual pension coefficient (IPC) - of the insured - since 2015 has been calculated according to the following formula:

Kn = ƩК + Ʃ П, where:

P is the sum of the values ​​of the coefficients for non-insurance periods accumulated after 2015. Calculated using the above formula.

ƩК - the sum of the IPC for each year after 01.01.15. They are calculated using the following formula:

K = (SV: NSV) x 10, where:

• SV - the amount of contributions to the old-age pension, which is calculated based on the individual part of the tariff.
• NSV is the standard amount of contributions for old-age pension, which is calculated by the product of the maximum rate for the insurance pension.

The value of the IPC determined for each year of the insurance experience is limited to the maximum value:

• Not more than 10 (will be valid from 2021) - for persons who do not accumulate savings for the year due to contributions for compulsory insurance (persons born after 1967, who refused to form savings). Until the full introduction of this coefficient, the following values ​​have been established: 2017 - 8.260; 2018 - 8,700; 2019 - 9,130; in 2020 - 9,570.

• No more than 6.25 (will be valid from 2021) - for persons who accumulate savings during the year from contributions for compulsory insurance (persons born before 1967 who wished to form savings). Until the full introduction of this coefficient, the following values ​​have been established: 2017 - 5,160; 2018 - 5,430; 2019 - 5.710; 2020 - 5.980.

Calculation of the joint venture

The boost factor is used in such cases:

• if the old-age pension is assigned for the first time and later than the due date;
• if the pensioner first refused to receive the pension, and then applied for the restoration of the specified payment.

The increase factor is calculated based on the number of months that have passed from the date of the entitlement to pension until the date of the payment. Or based on the number of months that have passed from the day the payment was stopped due to refusal to receive it (after 01/01/15) until the day it was restored.

The sizes of the coefficients are presented in the table.

Disadvantages of the reform

The reform provides for the accumulation of funds in the budget and their correct redistribution as the need arises. Formal employment has become one of the priorities for most Russians. At the same time, there are a number of serious shortcomings in the reform:

1. Persons who are employed informally will not be able to receive their full pension. According to statistics, this is approximately 50% of the population of the Russian Federation. More than 20 years of experience is required to receive an adequate payment.
2. Employed retirees will have to choose between benefits and salaries. Now it is impossible to combine these two payments.
3. Under the new rules, in order to receive payment, the minimum length of service for 15 years will be tripled.

The reform will last until 2025. There is an annual indexation and fixation of the value of one point.

Calculator

Each citizen can independently calculate the size of the future pension. To do this, you need to enter data on the total length of service and the level of wages into a special calculator on the PF website. The program calculates the pension level taking into account indexations and pension coefficients. However, you can calculate the size of your future pension without a calculator. Enough take advantage of the formula presented in the article.