Avtalspension är pengar din arbetsgivare lägger undan åt dig varje månad. Man kan säga att det är din absolut viktigaste löneförmån. De flesta arbetsgivare sätter av 4.5% extra beräknat på din lön. Det innebär att om du har 35000 kr i månaden i lön så sätter arbetsgivaren in ca 1575 kr/mån till din tjänstepension. Det blir mycket pengar i längden. Och om din arbetsplats inte erbjuder avtalspension. Då behöver du antingen lägga undan extra pengar själv eller fundera på om det finns jobb där ute som behandlar din framtid lite bättre.

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The Raiatea Regatta Association To organize a yearly sailing party in the Leeward Islands of French Polynesia: that was the dream, twelve years ago, of the newly born Raiatea Regatta Association. Since then, the “TPR” has become the biggest sailing and festive regatta of the Pacific islands and a truly international nautical event. Open to all, monohulls of multihulls, whatever their size, the ‘TPR’ is co-organised by the Tahitian Sailing Federation, the Raiatea Regatta Association and Archipelagoes and is governed by the 2013-2015 ISAF racing rules. __________________________________________________________________ SailingNews TV is the N°1 yachting and sailing channel. We cover all the major sailing events: America's Cup, Volvo Ocean Race, Vendée Globe, World Match Racing Tour and many more. We also help you discover new places. SailingNews TV channel also features boat tests, practical video guides and interviews with sailors. Sailing News TV is the Youtube Channel you should subscribe to if you like sailing. Subscribe to SailingNewsTV ▶ https://www.youtube.com/user/TheSailingNewsTV Facebook ▶ http://goo.gl/NQpZMv Twitter ▶ http://goo.gl/8UfmLY Providing an ideal balance between a sporting competition and a festive discovery of the islands, the TPR will take place between the islands of Raiatea, Huahine and Tahaa in 2015. At sea: lagoon and inter-islands races. On the shore: the TPR Village in Uturoa (Raiatea) and, of course, the famous themed evenings in each of the islands.

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Full details available here - https://bit.ly/Moody_3_7_6 1988 Moody 376 – Versatile Cruiser with Comfort at its Core The Moody 376, a standout design from Bill Dixon and built by Marine Projects, was ahead of its time in maximizing onboard space and comfort. Renowned for its versatility, this yacht is perfect for liveaboard adventures, long-distance cruising, or even as a holiday escape. Backed by a 2023 survey and rig check, it offers reassurance alongside its exceptional sailing pedigree. Powered by a Volvo Penta 43hp engine and supported by a comprehensive electrical setup, including solar panels and a Victron charging system, the Moody 376 is as efficient as it is reliable. Its sail inventory includes a slab-reefed mainsail, roller furling genoa, and a cruising chute, catering to a variety of sailing conditions. On deck, the spray hood and bimini, both new in 2021, ensure added comfort and protection during your journeys. Below deck, the Moody 376 shines with spacious accommodation for up to seven people. Two private cabins, a passage berth, and convertible saloon seating offer flexible arrangements. The master cabin features an ensuite head, while the forward cabin enjoys its own dedicated heads. Practicality meets comfort with a well-equipped U-shaped galley, Isotherm fridge (2023), and ample storage throughout. Whether at sea or docked, this Moody 376 is ready to provide comfort, performance, and lasting memories.

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Just a few of the potential stumbling blocks

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