1 June 2011 WTCA earns Trade Promotion Award PRESIDENT BARACK OBAMA has declared May World Trade Week in recognition of the growing importance of international trade to the economy. The World Trade Week Committee will recognize the World Trade Centers Association (WTCA) for its continuous dedication, commitment and significant contributions that have impacted the growth of trade. Mr. Kofi A. Boateng, Chief Operating Officer of the WTCA said, We thank the committee for this recognition and pledge to make available our network of World Trade Centers to help provide the facilities and services that companies need to access overseas markets. We continue to work to keep the dream of international commerce alive. We look forward to returning to our home in the new World Trade Center in New York City. Contents Major Projects in Russia open up new Business Opportunities WTC Helsinki Airport, now ready to serve at Helsinki Vantaa Staff Reduction Consultation in Layoffs Living Standards rising in Baltic Countries Communication Solutions should be put out to Tender Internationalization Forum Representatives from Estonian and Finnish Businesses meet in Tallinn Arol Finance Oy Elite Pankkiiriliike Oy Euro-Intention Oy Ltd. Finnfeelings Oy Mastermark Oy NIT Naval Interior Team Oy Ltd. PCAS Finland Oy Pribori Oy Suomen Punainen Risti, Varsinais-Suomen piiri Tele-yritysverkot Oy TEEMA 2011 Networks of Security WTC visits Nostalgic Bore Lawyer Kaisa Kyttä recommends: Protect your Brand! Easiest Way of Collecting Payments use an Expert! WTC Wine Tasting
2 MAJOR PROJECTS IN RUSSIA OPEN UP NEW BUSINESS OPPORTUNITIES The 2014 Winter Olympics will be hosted by Sochi, and the 2018 Football World Cup will be held in various parts of Russia. In addition, it has been agreed that will Russia begin hosting a Formula 1 Grand Prix and that the 2013 Universiade for students will be held in Russia. These are large-scale projects that are also hoped to open up new business opportunities for Finnish companies. In its forecast, IMF expects the GNP for Russia to grow by 4.5% in 2012, and the corresponding figure from the World Bank is 4.0%. Foreign direct investment in Russia increased from the previous year by 13%, but still remains modest and below the level of the years preceding the economic downturn. According to a census performed last year, there are 12 cities with more than one million inhabitants in Russia. The regions are in competition for the investments. Russia is striving to improve the climate for investments. President Medvedev has put forward his doctrine for modernising the economy. Finland has lost market shares in the Russian markets. We offer investment goods in a situation where the Russians would be interested in buying consumer goods. Moreover, we need to ask the question whether Finnish products and services are sufficiently well-known in Russia and whether we have the capacity to benefit from the market that is opening up. The aim of the Finnish Business in Moscow event is to generate Russian interest for the products, services and expertise of Finnish business life. A second aim is to chart the market and find suitable cooperation partners for Finnish companies in Moscow and other growth centres. Themes for the event are the modernisation of Russia; Finnish high tech and innovative expertise; and Finnish design. The event will be brought to a head with a presentation of Finnish business life and innovative expertise to representatives of Russian business life, government and media. The event will take place in Moscow on 25 and 26 November. Russia is currently preparing to host the 2018 Football World Cup in 13 different cities around the country. The level of preparedness to host the World Cup is the best in Moscow and St. Petersburg. As for other cities, practically a whole new infrastructure needs to be constructed for the tournament. The cities need stadiums, training locations, hotels, airports and a transport and energy infrastructure. The Finnish Russian Chamber of Commerce will form a business cluster to facilitate the entry of Finnish companies into the opening market, to obtain information and to increase the visibility of Finnish firms and Finnish expertise in Russia. Networking between Finnish and Russian companies generates an inspirational atmosphere, provides opportunities for exchanging experiences and, in favourable circumstances, leads to concrete business solutions. Anne Hatanpää Finland Chamber of Commerce Head of Department WTC Helsinki Airport, now ready to serve at Helsinki Vantaa The tallest at the airport, at 13 stories high, WTC Helsinki Airport s building is situated between Terminal 2 and the Hilton Hotel and has a gleaming blue exterior. The real estate developer and landlord of the building is LAK - Airport Real Estates Plc, which is an airport-focused property company. Complementing the services of the international Helsinki Vantaa Airport, WTC Helsinki Airport has recently offered Business Center services to address a long-felt need within the airport. Also, the Hilton Hotel has operated more than three years at the airport and an extension of the hotel is scheduled to be completed by May, The WTC building is ready to receive new tenants and other customers with four floors of the building for lease and office premises starting from 140 square meters. One floor will serve as a business center for short-term leases. Previously, office spaces at the airport were mainly restricted to airlines and air traffic businesses. Now the WTC is offering all companies the chance to have an airport location, an address that is a destination in itself. Some 13 million passengers travel through Helsinki Airport annually and the airport is home to approximately 1,500 businesses and provides some 20,000 jobs. World Trade Center Helsinki Airport
3 Staff Reduction Consultation in Layoffs Layoffs can be made if the work to be offered has diminished substantially and permanently for economical reasons, manufacturing reasons or reasons that are the result of the employer s re-arrangements, states Kalle Kuusisto, partner and attorney at law from Astrea Oy. The subject of this seminar was quite serious. Layoffs are happening all over the country and with the situation at Nokia, this subject was also really current. The speakers for the seminar were from Astrea Oy Attorneys at Law. Kalle Kuusisto, partner and attorney at law, and Ari Pekkala, attorney at law, gave us the company s side of the staff reduction procedure. They also focused especially on situations where layoffs are being made in a foreign owned Finnish subsidiary. Layoffs can be made if the work to be offered has diminished substantially and permanently for economical reasons, manufacturing reasons or reasons that are the result of the employer s rearrangements. Layoffs can t be made, if the employer can be relocated or trained to other assignments. The employer can t hire new employees either for similar assignments, before or after the layoff. They also showed the listeners plenty of other situations where there can be some vagueness, if the layoff is lawful or not, and backed them up with passages from the Finnish law. They instructed a company to start a staff reduction consultation right after there have been some talks of potential layoffs. The co-operation procedure should start before any final decisions about the layoffs are made, in order for it to be legal. The company is obligated to hold a co-operation procedure, if its layoffs concern over 20 people. They have to inform about the start of the procedure to everyone that is going to be involved either personally, with a letter or by . The speakers continued to go into further details about the staff reduction consultation and its procedures, and had the listeners chime in and ask questions. Ari Pekkala from Astrea Oy. Previous cases were presented as examples and what was done right and wrong in the particular cases was elaborated. The participants were very contributing and interested although the subject was not the most uplifting. When the presentations ended and questions were asked, the conversations carried over to the lunch table.
4 Living Standards rising in Baltic Countries Finpro s Area Manager Jukka Lohivuo presented the business opportunities in the Baltics, with trends, fields and products as sub topics. The Baltic countries have improved labour competitiveness among EU newcomers. Despite the rise in the living standards in the Baltic region, the basic purchasing power there is still less than half of the Finnish equivalent. The Baltic countries are competitive and they continue improving business conditions. In the World Bank s Ease of Doing business rankings Latvia has moved up from the 27 th to the 24 th position, Lithuania from the 26 th to the 23 rd position, and Estonia remains the Baltic leader at the 17 th position (compared w/ the Finnish position of 13 th ). Public sector reforms both in Lithuania and Latvia are aimed at reducing bureaucratic burdens and increasing transparency in public procurement. After the bubble years price rises are brought under control in each of the Baltic countries. Now export, of both goods and services, is driving growth. Also investments are in rise with numerous foreign investment projects. Finpro s Leading Consultant Esa Wrang spoke on Life Sciences Business Opportunities in the Baltic countries. In health care and well being restructuring and modernisation of institutions is needed in particular in Latvia and Lithuania. EU funding is available for each of the three Baltic countries for this purpose. In the food sector there is an increasing demand for private labeling and solutions for logistics, to mention some of the needs. Finnish food industry investments are the largest in Estonia, second largest in Latvia and by the fewest number of companies in Lithuania. Managing Director Tiina Lehtovaara from Abelita Ltd informed the audience how to have a custom made enterprise event in Estonia by having her company do the organising of everything. Abelita Ltd operates now for the fourth year and has recently expanded from Helsinki to Turku. Enterprises can have an event either in Tallinn or elsewhere in Estonia with smaller expenses than in Finland. E.g. the accommodation costs are 20 to 50 % lower, the restaurant services 20 % Lawyer Erki Vainu, Advokaadibüroo Heikki Virri OÜ, enlightened how to make and what kind of contracts are needed in the business with Baltic countries. lower but with better quality. Short distance and good access are excellent reasons for organising an event in Estonia. The centre of Tallinn is only one kilometre from the harbor and five kilometres from the airport. Estates and country sites are just one to two and a half hours away from the center of Tallinn. The same currency since the 1 st of January eases things, too. Managing Director Tiina Lehtovaara from Abelita Oy. Estonia remains the Baltic leader, but also Latvia and Lithuania are moving up, approve Finpro s Esa Wrang (left) and Jukka Lohivuo together with Tiina Lehtovaara from Abelita Oy.
5 Communication Solutions should be put out to Tender Speakers Jarkko Koskinen, Partner from Tele-yritysverkot Oy, and Antti Kohtala, from Ministry of Transport and Communications, were at WTC Turku to teach the spectators about contesting communication solutions. Companies have to spend even more time figuring out how to contest their communication solutions in order to ensure a competitive price for a service without encaging in a prolonged service contract. Antti Kohtala started his presentation telling about the new laws in the porting procedures, which changed the 25 th of May From that day onwards customers can port their telephone number to another operator in the middle of a fixed-term subscription agreement. So far, this has been possible only once the fixed-term agreement has ended, whereas porting of a number for a subscription agreement valid until further notice, has been possible for several years. The monthly fees related to the old agreement must, however, be paid until the fixed-term agreement period expires. So while it is possible to change the number to another operator, the subscription can t be terminated before its expiring. Jarkko Koskinen then came back in front of the audience and started his presentation about contesting communication solutions. He explained that the acquiring manner depends on many things, for example value, character, the amount of time and the necessity for negotiations. But the most important things, at the end of the day, are the skills and expertise that the buyer has in his use. Mr. Koskinen also spoke about the contesting process and the circumstances that need to be taken into consideration. Some of the things that need to be considered are; the changes to operations in the next three years, the service providers capabilities and resources to provide new solutions and commeasuring the offers. Mr. Koskinen also went further into commeasuring offers and contents of contracts and finished with introducing some of the tendering services available. The tendering can be either done with the company s own resources, or it can be assigned to a company that specializes in tendering, tells Partner Jarkko Koskinen from Tele-yritysverkot Oy. Final seminar for Internationalization Forum The final seminar for the International Forum (a project with the aim of creating a network of business services to accelerate the internationalisation of economic life in Southwest Finland) was organised at World Trade Center Turku on 26 May A total of 26 persons from organisations producing internationalisation services in Southwest Finland and companies seeking international growth took part in the seminar. The topic of the seminar was Exporting Finnish Expertise and the event included expert lectures on the opportunities of international business. The themes of the afternoon explored creative solutions essential for the international competitiveness of the region from a variety of different sectors. Presentations were held on the adaptation challenges and opportunities of the marine industry, education export projects by universities in Turku, creativity and openness to new ideas in the global market and Project Manager Pia Poikonen (on the right) was very satisfied with the results of the Forum and showed big thanks to the other activators. the internationalisation of a Finnish design crafts company. As a project, the International Forum is about to reach the end of its term, but the cooperation structures and the provision of internationalisation services and will continue to be developed.
6 Representatives from Estonian and Finnish businesses met in WTC seminar in Tallinn Approximately thirty WTC Turku and WTC Tallinn member companies representatives took part in a business, culture and experience meeting in Tallinn. In the seminar portions of the event the attendees got to know the accomplishments and outlook of Estonia s industrial life and the activities of WTC Tallinn. Chairman of the Board Mehis Pilv enlightened the operations and real estates of WTC Tallinn. The World Trade Center Tallinn is located in the heart of Tallinn not far from the city harbor. The center consists of 14 large buildings, which after renovations will form an original architectural complex with the infrastructure that a modern business center requires. With its commercial area of over sq/m and over 120 tenants, the WTCT concentrates over 300 services associated with international trade in one place. With the membership to WTC Tallinn Club companies are allowed to use an internationally known brand name on their leaflets, business cards etc. and establish direct contacts and relations with its help. Members are also able to participate in interesting seminars, workshops and meetings free of charge or at member prices Chairman of the Board Mehis Pilv, WTC Tallinn. and use the conference rooms at WTC Tallinn with discount. WTC is a strong partner that can help with knowledge and experience and it offers the use of WTC Club membership benefits in WTCs all over the world. Cornerstones of Economic Success Director Peter Gornischeff from the Estonian Chamber of Commerce and Industry presented facts about the industrial life of Estonia. A huge amount (84.5%) of Estonia s companies are micro companies, with under 10 employees. As cornerstones of Economic Success Mr. Gornischeff mentioned the Monetary reform since 1992 there is a currency board arrangement, fixed exchange rate to euro and since January 1 st 2011 the Kroons have been replaced by Euros. Privatization is completed; only 5 infrastructure companies are in state ownership. Liberal foreign trade regime - the market is open for competition and last but not least the Modern Tax system. Estonian Tax system is simple, motivating and transparent and it is focused on taxing consumption. In addition, Corporate Income Tax is 0 % on all reinvested profits or profits retained in the company. These are the facts, why starting doing or starting a business is easy in Estonia. Peter Gornischeff pointed out that Finland is the biggest and most important business partner of Estonia. Imported will be mineral products, machinery & equipment, agricultural, food and beverages, chemicals and other industrial products. Director Feliks Mägus from Nordic Hotel Forum welcomed the Finnish Guests. On the left Tiina Lehtovaara. Director Peter Gornischeff from the Estonian Chamber of Commerce and Industry told that some 80% of the Estonia s companies are micro companies - small but active and energetic.
7 Treasure Hunting in the Old Town... Managing Director and Chairman of the WTC Tallinn Club, Ott Moorlat.
8 TEEMA 2011 Networks of Security The yearly event, which was arranged in Nauvo this year, was a success. The seminar, held in Restaurant L escale was opened by Heikki Pylkkänen, the chairman of the ICT committee of Turku Chamber of Commerce. Mr. Pylkkänen introduced the attendees to the theme of the day, which was the security of information and communications. The security of a company consists of many different components. In the center of the security models are reputation, environment, possessions and personnel. When a company s security matters are in order business is uninterrupted, customers are satisfied and the personnel feel well. The companies should define their From left: Jari Lähteenmäki (Turku Chamber of Commerce), Heikki Pylkkänen (ICT Comittee), Reima Suomi (Foundation for New Technology), Timo Hiiterä (West Finland Coast Guard District), Matti Kropsu (West Finland Coast Guard District), Kari Airola (Sea Rescue of Naantali), Seppo Nousiainen (Sea Rescue organization of Turku) ja Calle Storm (Sea Rescue Sydväst). Heikki Pylkkänen, Chairman of the ICT Committee of Turku Chamber of Commerce. Samuli Salanterä, Member of the ICT Committee acting as Moderator of the Seminar. own security policy. That is why risks have to be identified, an action plan needs to be formed and the processes need to have a person in charge. Also the testing of the plan and the active monitoring is, as a part of the security policy, important, reminded Paavo Hänninen, Turku s Adult Education Centre security expert and a member of the board at Finnsecurity ry. He also reminded that security is something everyone needs to take a part in, not just the directors, but they do have to set the example. Tens of millions of Malware Computers and new mobile devices, with their software, comprise a working environment for modern service software. For example Google, Facebook and are, from a criminal perspective, a chance to make money, according to the information security expert of F-Secure, Harri Ruusinen. Previously malware spread through diskettes. Today USB-memory sticks are playing the same part. They are an easy way for malware to spread, for example because the founder of an alone memory stick usually tries to figure out who does it belong to by examining the contents. Malware also spreads through the attachments of s. They look real, therefore they are hard to identify. ICT-prize for Voluntary Sea Rescue Work The ICT-committee of the Turku Chamber of Commerce granted its yearly ICT-prize to voluntary sea rescue work. Sea rescue is nowadays founded on the combined usage of several different information systems and bases. The administration of the sea rescue directs the salvage units with location information systems, maritime pictures and traffic control. The searching itself does not only rely on visual observation, but the combination of different techniques and systems. The collaboration of the Finnish boarder guard and voluntary sea salvage operations is socially exemplary with its life saving operations and economically optimized activities. The amount of the prize was 2011 euros and the money will be spent on purchasing new Virve phones.
9 Observant participants of the Teema seminar. WTC visits Nostalgic Bore World Trade Center Turku offered its members a tour around the Nostalgic Bore. The exploration was done with the guidance of Harbor Captain Kari Riutta. When it was completed, some 40 years ago, S/s Bore was the biggest passenger ship in Finland. This ship, which traveled between Turku and Stockholm in the 60 s and 70 s, created the base for trade relations between Finland and Sweden. S/s Bore was completed in 1960 in Oskarshamn Sweden. For 21 years, then called M/s Kristina Regina, it took cruise passengers to 216 different harbors in 40 different countries in the Baltic Sea, the Mediterranean Sea, the Red Sea and the Arctic territories. Now the ship has been renovated and it has floated to spend its part time retirement in Aurajoki. S/s Bore welcomes guests in its new honorable location right next to the Swan of Finland. It had its grand opening on the 27 th of May, with a buffet, live music and fireworks. S/s Bore now works as a museum, hotel and restaurant vessel. Harbor Captain Kari Riutta, who also acts as a skipper on board when needed, showed sights to the audience all around the vessel.
10 To protect a Brand begins from the Company Name Lawyers Kaisa Kyttä, from Legistum Oy, and Kirsi Sunila-Putilin, from the Finnish Communications Regulatory Authority, were sharing their knowledge about Brand protection at WTC Turku. Kaisa Kyttä proceeded to inform the listeners about the creation of a brand and about the different components a brand has. Under the headline the creation of a brand starts with the company name she described a brand as an image, as everything a company is, produces and does and as something that distinguishes a company from its competition. Ms. Kyttä went on to explain that the company name, trademarks, sounds and domain names were all parts of the brand. She also went deeper into the subject of company names and their protection through legal channels. Trademark can also be a sound Soila Jokila, from Bayer Oy, introduced her global company and its Finnish branches and products. After this she tackled the subject of Finnish and International trademark protection. As she explained, a trademark can be a word, a figure, a shape, a scent or a symbol of letters, sounds or a combination of different symbols. She encouraged every company to register their trademarks in order to protect and claim them. The proper usage of a trademark is to include the symbol after a registered trademark and a -symbol after an unregistered trademark. Copyright law After this Kaisa Kyttä took the stage again to talk about copyright laws. A work is instantly protected by the copyright law when it is created and is protected for 70 years after the death of the author, if the author is not known the work is protected for 70 years after its initial release. The parts of a brand can be protected by the copyright law, if they surpass the threshold of originality. The products and services, theme music, pictures, visual outlook, movie clips and advertisements are all part of the company s brand. She also spoke about the relinquishing of copyrights and went through the legal steps of the process. The last speaker of the day was Kirsi Sunila-Putilin of Finnish Communications Regulatory Authority. Her topic of the day was attaining domain names. In her presentation she first explained domain names and the laws behind them. After this she went on to explain how to register domain names, who can register them and the procedures that have to be taken when registering a domain name. Easiest Way of Collecting Payments use an Expert! Attorney-at-law Mrs. Marja-Riitta Seulu from Bützow Attorneys Ltd. presented her experience about the subject of collecting payments from abroad. The fact is that a sale is gift until the money is collected and that sometimes there can be problems with receiving payments from foreign countries. Backed with over 20 years of experience, Mrs. Seulu offered the listeners her take on the subject. The first subject was EU s new Late Payment Directive. Delays in payments, especially with governments, have been a problem in many EU countries. The new directive, which was given the 16 th of February and has to be carried out by Marja-Riitta Seulu from Bützow Oy back on the right. the 16 th of March 2013, is trying to harmonize the legislations of EU countries and making trade between EU countries safer. According to the main principle the payments have to be made in 30 days from the time the debtor has received the bill, in situations both between companies and between a company and a government. In a trade situation, the person who is in charge of the contract obligation has to be identified and individualized. It has to be also taken into account, that creditors from abroad are not high on a priority list when there are little funds to give out, so the faster the debts are collected the better. Mrs. Seulu identified, among other things, payment reminders in the language that has been used in the business contact, , face-to-face negotiations and monitoring and validating the payment schedules as methods of collecting payments for companies. Mrs. Seulu then spoke about the responsibilities in sales of goods. The seller is responsible for handing over the product at the right time and place, in a way that is agreed. The buyer s responsibility is to receive the product and to pay it according to the agreement. If these activities are not performed, there is often a legal issue to be solved and settled in connection with debt collection. She also pointed out that juridical expertise and experience from collecting international receivables is needed when relying on the help of an attorney or agent.
11 WTC Wine Tasting Alltogether 75 people gathered to Sokos Hotel Hamburger Börs to enjoy fine wines and good company, courtesy of World Trade Center Turku. The event was arranged on the Kivi-Esmeralda cabinet that provided the perfect backdrop for a classy evening. The attendees were encouraged to experience the wines by tasting, smelling, watching and combining them, with the salty treats and fruits that were served. The beautiful European wines provided the warmth of the Mediterranean and the coolness of the Alps. The sommeliers presented and tasted were also wines from other parts of the world. Markku Monnonen, Kirsti Pakkala, Kari Riutta... Everyone was encouraged to find their own favorite wine, with the help of our wine experts. The evening was a success, with everyone leaving satisfied, and with more knowledge about their own preferences in wine. Risto Toivonen. Kirsi Swanljung-von Wehrt. In front Anja Hyysalo. From left Markku and Renate Horte, Barbro Kanerva, Timo Heikkilä and Jari Malinen. Kari and Jaana Frankenhäuser, Henry and Mirva Laaksonen...
12 THE ONE AND ONLY ORIGINAL AURAN SINAPPI! TASTEFUL SUMMER CAMPAIGN PUBLISHER: EDITOR-IN-CHIEF: SUB-EDITOR: LAYOUT: World Trade Center Turku Veistämönaukio 1-3, Turku, FINLAND Tel: Mirja Kärkäs-Lainio WTC Turku Juuso Jalvas WTC Turku Anne-Marie Ojala WTC Turku
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MANDATUM LIFE INSURANCE BALTIC SE INTERIM REPORT 1Q/2015 Business name: MANDATUM LIFE INSURANCE BALTIC SE Commercial registry code: 10561490 Address: Viru väljak 2, 10111 Tallinn Telephone: 6812 300 Fax:
Major reductions in taxes on alcohol beverages Country: Finland Partner Institute: National Institute for Health and Welfare (THL), Helsinki Survey no: (5)2005 Author(s): Christoffer Tigerstedt, DPolSci,
Industry seminar in Printed Intelligence on November 23-24, 2010 Oulu, Finland Listen to the needs from global brands and potential end-users Visit PrintoCent pilot factory and see what s available today
Olli Sulin Turku the northern Baltic s most interesting city turku 2029 Turku, in Finland, turns a respectable 800 years old in 2029. This important year has also been chosen as the focus point for examining
Is it all about culture? How to run a Finance Ministry Case and possible lessons for other countries Markus Sovala, Director General // Stylized facts: 5.5 million inhabitants, located between Sweden and
TECHNOPOLIS PLC STOCK EXCHANGE RELEASE July 20, 2007 at 11.45 a.m. TECHNOPOLIS GROUP INTERIM REPORT, January 1 - June 30, 2007 Highlights of 1-6/2007 compared with corresponding period of 2006: - Group's
27 th October 2015 INVESTMENT OPPORTUNITIES IN THE MALDIVES MPF_AFIN Finance (Basics) Masaryk University Faculty of Economics and Administration Lecturer: Ing. Luděk Benada Student: Ahmed Ameen Mohamed
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Pursuant to Article 88 item 2 of the Constitution of the Republic of Montenegro I hereby issue the DECREE PROMULGATING THE LAW ON FOREIGN CURRENT AND CAPITAL TRANSACTIONS (Official Gazette of Montenegro
TAMPERE LOCAL ACTION PLAN 1. INTRODUCTION The city of Tampere, Finland is a partner in European EUniverCities cooperation network and EUniverCities Urbact project. The EUniverCities network unites 10 medium
Medical Spa Plan Development & Implementation 2007 An Acara Partners Company Acara MedSpas LLC 500 East Main Street, Suite 216 Branford, CT 06405 203.488.0028 email@example.com www.acaramedspas.com
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FINNGULF LNG LNG IMPORT TO FINLAND CLEANLY WITH NATURAL ENERGY GASES Gasum is a Finnish expert in natural energy gases. We import natural gas to Finland, and transmit and supply it for energy production,
Strategy & Marketing for Emerging Countries Partial scholarship program and course description C O N T E N T S 1 Program presentation 1 Course overview 2 A program adapted to your necessity 3 Program organization
The foreign employer s obligation to take out pension insurance in Finland for the employees These instructions detail the obligation of a foreign employer to insure the employees under the Finnish acts
The Conclusions The Nordic Tourism Index 212 The Nordic Investment Index 212 Nights spent in the Nordic countries The total number of guest nights in the Nordic countries included in the 212 Nordic Investment
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