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Few Faroese companies receive approval in an initial phase. This can among other things result in Faroese companies generally being assessed too lightly, and thus easily being excluded from the selection, for example due to expected references. | BLARK_translated | Fáar føroyskar fyritøkur ið fáa góðkenning í eini byrjunarfasu. Hetta kan m.a. viðføra, at føroyskar fyritøkur generelt verða funnar ov lættar, og tí lætt verða skildar burtur úr úrvalinum, m.a. orsakað av væntandi tilvísingum (referansum). |
In connection with the purchase of goods and services, we consider it advisable to use the layout in figure 1 below. | BLARK_translated | Í samband við innkeyp av vørum og tænastum halda vit tað verða ráðiligt at nýta uppsetingina í mynd 1 niðanfyri. |
Figure 1: Description of various possibilities in relation to the procurement of goods/services. | BLARK_translated | Mynd 1: Lýsing av ymiskum møguleikum í samband við innkeyp av vørum/tænastum. |
Overall, it can therefore be imagined that a Faroese supplier fund could lead to a change in attitudes toward procurement, so that companies in the ordinary Faroese purchasing market also become accustomed to procedures that naturally involve competition in selection. | BLARK_translated | Sum heild kann tað tí hugsast, at ein føroyskur veitaragrunnur kann føra við sær, at hugburðurin í samband við innkeyp verður broyttur, so at fyritøkur eisini á vanliga føroyska innkeyps-marknaðinum venja seg við mannagongdir, ið náttúrliga hava við sær kapping um útveljing. |
Information that, among other things, includes a description of how the company complies with applicable laws on health, environment and safety. How the company ensures these requirements are met can, for example, be provided in a description of the competencies of the employees. | BLARK_translated | Upplýsingar sum m.a. innihalda lýsing av hvussu fyritøkan fylgir ásettum lógum um heilsu, umhvørvi og tryggleika. Hvussu fyritøkan tryggjar hesi krøv kann m.a. gevast í einari lýsing av førleikanum hjá starvsfólkunum. |
The requirement here should be at a much higher level than for foreign supplier databases. However, a form must be created, and the requirement should be that this must be satisfactorily completed. | BLARK_translated | Kravið her eigur at verða á væl lagri støði enn hjá útlendsku veitaragrunnunum. Tó eigur eitt oyðiblað at verða gjørt, og kravið eigur at verða, at hetta skal verða nøktandi útfylt. |
A Faroese supplier database that meets the above-mentioned requirements should also be able to attract interest from purchasers outside the oil industry — for example from the public administration. In connection with setting up such a database, however, it is important that it is as cost-effective as possible. In this... | BLARK_translated | Ein føroyskur veitargrunnur, sum nøktar omanfyrinevndu kravfesting, eigur eisini at kunna vekja áhuga hjá innkeyparum uttanfyri oljuvinnuna - t.d. hjá almennu umsitingini. Í samand við uppbygging av einum slíkum grunni, er tað tó týdningarmikið, at hesin verður so kostnaðareffektivur sum gjørligt. Í hesum sambandi merk... |
The construction of a Faroese provider base should, in our opinion, meet the following technical requirements: | BLARK_translated | Uppbygging av einum føroyskum veitaragrunni eigur eftir okkara metan at lúka fylgjandi tøkniligar treytir: |
The business information must be divided into categories. This can, among other things, be done by using international NACE codes or similar systems. Care must be taken that the division should resemble the classifications in foreign registers, so that potential foreign users of the supplier database can "recognize" (f... | BLARK_translated | Virkisupplýsingarnar mugu verað uppdeildar í greinar. Hetta kann m.a. gerast við at nýta altjóða NACE-kodur e.l. skipanir. Hædd má takast fyri at uppbýtið eigur at líkjast uppbýtinum í útlendsku skráunum, soleiðis at møguligir útlendskir brúkarar av veitaragrunninum "kenna seg aftur" hvat nýtslu viðvíkur. |
The fund should, like foreign funds, be cost-effective. This means, among other things, that the registration will be done electronically so that it can be transferred directly into the provider fund without unnecessary administration. | BLARK_translated | Grunnurin eigur á sama hátt sum útlendsku grunnarnir at verða kostnaðareffektivur. Hetta merkir m.a. at skrásetingin verður gjørd elektroniskt, soleiðis at hon kann yvirførast beinleiðis í veitaragrunnin, uttan óneyðuga umsiting. |
At the end of this recommendation an example is provided showing which entries are made in 1stPoint Assessment. | BLARK_translated | Aftast í hesum tilmæli er hjálagt eitt dømi uppá hvørjar skráseting verða gjørdar í 1stPoint Assessment. |
The foreign supplier lists are known and a natural working arrangement exists for most oil companies regarding supplier services. A future Faroese oil industry will therefore hardly want the oil companies on the Faroese continental shelf to make major changes to procedures related to the selection of suppliers. | BLARK_translated | Útlendsku veitaraskránnar eru kendar og eitt náttúrligt arbeiðsamboð hjá flest øllum oljufeløgum í samband við veitaratænastur. Ein komandi føroysk oljuvinna vil tí neyvan hava við sær, at oljufeløgini á føroyska landgrunninum fara at gera stórvegis broytingar í mannagongdunum í samband við útveljing av veitarum. |
The requirements that the foreign supplier registers set for becoming approved as a supplier are therefore based on the requirements that the oil companies set. An approval in Achilles or a registration in 1stPoint assessment is thus a fairly good guide for the oil companies as to how the supplier in question meets the... | BLARK_translated | Tey krøv, ið útlendsku veitaraskráirnar seta, fyri at gerast góðkendur sum veitari, taka tí støði í teimum krøvum sum oljufeløgini seta. Ein góðkenning í Achilles ella ein skráseting í 1stPoint assessment er tí ein rættuliga góð vegleiðing hjá oljufeløgunum um, hvussu viðkomandi veitari lúkar tey krøv, ið sett verða ve... |
A Faroese company that wants to meet the requirements as a supplier in Achilles and 1stPoint assessment needs to make a timetable for how quickly it wishes to fulfil these requirements. | BLARK_translated | Ein føroysk fyritøka ið ynskir at lúka krøvini sum veitari í Achilles og 1stPoint assessment noyðist at gera eina tíðarætlan fyri hvussu skjótt hon ynskir at nøkta hesi krøv. |
From our conclusion above it can be seen that a Faroese supplier registry is not necessary in order to ensure registration for Faroese companies — they can obtain that already now. | BLARK_translated | Av okkara niðurstøðu omanfyri sæst, at ikki er neyðugt við einum føroyskum veitaragrunni, fyri at tryggja føroyskum fyritøkum skráseting - tað kunnu tær fáa longu nú. |
On Tuesday, March 21, TK-Stovan is organizing a course on productivity at Hotel Føroyar. The term productivity is relatively new in Faroese business operations. When it comes to productivity and measurements of it, there are other key figures than the most common accounting ones that you need to grasp. When people have... | BLARK_translated | Týsdagin 21. mars skipar TK-Stovan fyri skeiði um produktivitet á Hotel Føroyum. Heitið produktivitetur er lutfalsliga nýtt í føroyskum virkisbúskapi. Tá talan er um produktivitet og mátingar av hesum, eru tað onnur lyklatøl, enn tey mest vanligu roknskaparligu, ein skal hava fatur á. Tá tosað hevur verið um at bøta um... |
At this meeting, Símun Hammer from Virkisráðgeving Spf will demonstrate how one can systematically work on measuring productivity in a company. He will go through both how to measure the productivity of parts of a company, but emphasis will be placed on showing the different measures of productivity and how these can b... | BLARK_translated | Á hesum fundi fer Símun Hammer frá Virkisráðgeving Spf at vísa, hvussu ein miðvíst kann arbeiða við at máta produktivitet í einari fyritøku. Hann kemur at gjøgnumganga bæði hvussu ein kann máta produktivitetin av pørtum í einari fyritøku, men dentur verður lagdur á at vísa tey ymisku mátini fyri produktivitet, og hvuss... |
After the meeting, participants should be able to carry out some simple productivity measurements, including with the help of a productivity disk that will be supplied. | BLARK_translated | Eftir fundin skulu luttakararnir verða førir fyri at gjøgnumføra nakrar einfaldar produktivitetsmátingar, m.a. við hjálp av einum produktivitetsdiskli, ið verður útflýggjaður. |
Faroese students are interested in describing Faroese matters, in collaboration with Faroese companies and institutions, in the special courses and larger assignments that are part of their studies, about anything that a company needs to know more about. This should give Faroese businesses an opportunity to have survey... | BLARK_translated | Føroysk lesandi eru áhugað í at lýsa føroysk viðurskifti, í samstarv við føroyskar fyritøkur og stovnar, í teimum serritum og størri uppgávum, ið eru partur av lesnaðinum, um eitt hvørt, ið fyritøkan hevur brúk fyri at vita meira um. Hetta átti at givið føroyskum virkjum ein møguleika at fáa gjørt kanningar ella smærri... |
Example of topics that could be interesting to have described | BLARK_translated | Dømi um evni, ið kundi verið áhugaverd at fingið lýst |
Jan is in charge of industrial policy and business-promoting measures/projects, and he is otherwise responsible for the operations in the building. | BLARK_translated | Vinnupolitik og vinnumennandi tiltøk/prosjektir tekur Jan sær av, og hann hevur annars ábyrgd av virkseminum í húsinum. |
Jan has worked for the Faroese Employers' Association since early 1997. Jan is a civil engineer and came from the position of director at the Faroes Travel Council. Before that he worked for 8 years as a consultant in operations management at the company Peter Matthiesen A/S in Copenhagen. | BLARK_translated | Jan hevur starvast hjá Føroya Arbeiðsgevarafelag síðan fyrst í 1997. Jan er sivilverkfrøðingur og kom úr starvi sum stjóri á Ferðaráð Føroya. Áðrenn hetta starvaðist hann 8 ár sum ráðgevi í virkisleiðslu hjá felagnum Peter Matthiesen A/S í Keypmannahavn. |
Bjørgríð takes care of contractual matters, everything within the craft industry and educational issues. | BLARK_translated | Bjørgríð tekur sær av sáttmálaviðurskiftum, øllum innan handverksvinnuna og útbúgvingarmálum. |
Bjørgfríð was appointed to the position at the Vinnuhúsið on 1 September 1999. Prior to this she worked at the National Office for 5 years and for a shorter period at Føroya Sparikassi. Bjørgfríð holds a candidate degree in administration (cand. scient. adm.). In her position in the national administration, Bjørgfríð d... | BLARK_translated | Bjørgfríð var sett í starv í Vinnuhúsinum 1. sept. 1999. Hon hevur innan hetta starvast á Landsskrivstovuni í 5 ár og eitt stytri skeið í Føroya Sparikassa. Bjørgfríð hevur kandidatprógv innan fyrisiting (cand. scient adm.). Í starvinum í landsumsitingini fekst Bjørgfríð við lønar- og sáttmálaviðurskiftir. |
Mikkjal handles all member relations, takes care of the accounting, and answers contract questions. | BLARK_translated | Mikkjal hevur øll limaviðurskiftir um hendir, tekur sær av bókhaldinum, og svarar sáttmálaspurningum. |
Mikkjal Mohr Joensen was appointed to the position on August 1, 1998. Mikkjal has banking training and higher commercial school education. He has otherwise worked 4 years at Føroya Banki, 5 years at Farodane, 5 years at Formula Xerox, and 7 years at Atlantic Airways. | BLARK_translated | Mikkjal Mohr Joensen varð settur í starv 1. august 1998. Mikkjal hevur bankaútbúgving og hægri handilskúla. Hann hevur annars starvast 4 ár í Føroya Banka, 5 ár hjá Farodane, 5 ár hjá hjá Formula Xerox og 7 ár hjá Flogfelag Føroya. |
Elsebeth Joensen has worked for the Employers' Association for just over 2 years. After business upper secondary school she completed an office apprenticeship at Vinnuhúsið. | BLARK_translated | Elsebeth Joensen hevur starvast hjá Arbeiðsgevarafelagnum í gott 2 ár. Eftir hægri handilsskúla hevur hon tikið skrivstovulæru í Vinnuhúsinum. |
The companies in the Business House are often involved in various projects together with public institutions, such as the Development Agency. This means that people who are hired to take care of such projects work in the building for shorter or longer periods. | BLARK_translated | Feløgini í Vinnuhúsinum eru ofta við í ymiskum verkætlanum saman við almennum stovnum, sum t.d. Menningarstovuni. Hetta merkir, at fólk, ið vera sett at taka sær av slíkum verkætlanum, starvast í húsinum í styttri ella longri tíð. |
The course of our society is the same as that around us. Society is becoming increasingly complex, a sea of laws and rules that must be followed and lived by. | BLARK_translated | Gongdin í samfelag okkara er tann sama sum rundan um okkum. Samfelagið gerst alt meira fløkjasligt, eitt hav av lógum og reglum, sum skulu haldast og livast eftir. |
All questions that are of principal importance to industry or to specific industry sectors are addressed. And if companies get into disputes with authorities or trade unions over matters that are of public interest to industry, the Employers' Association takes over the case and, if necessary, goes to court on behalf of... | BLARK_translated | Allir spurningar, sum hava prinsipiellan týdning fyri vinnuna ella ávísar vinnubólkar, verða viðgjørdir. Og koma virkir út í trætur við myndugleikar ella fakfeløg um mál, ið hava almennan áhuga fyri vinnuna, tekur Arbeiðsgevarafelagið um endan og fer um neyðugt í rættin vegna virkið. |
Read more about what we do for you under: What do we deal with? | BLARK_translated | Les meira um hvat vit gera fyri teg undir: Hvat takast vit við? |
As the main association for industry, the Faroese Employers' Association takes care of many different tasks: | BLARK_translated | Sum meginfelag fyri vinnuna tekur Føroya Arbeiðsgevarafelag sær av nógvum ymiskum uppgávum: |
1. Political influence: Because of the business community, work will be done to influence all those laws and regulations that the government, parliament, administration, agencies and municipalities implement, so that these serve and do not hinder business. Business associations are, among other things, represented on m... | BLARK_translated | 1. Politiska ávirkan: Vinnunar vegna verður arbeitt við at ávirka allar tær lógir og reglugerðir, sum landsstýrið, løgting, umsiting, stovnar og kommunur seta í verk, soleiðis at hesar tæna og ikki darva vinnuna. Vinnufeløgini eru m.a. umboðað í nógvum ymiskum nevndum, ið seta karmar fyri føroyska samfelagið og framtíð... |
2. Collective agreements for the industry: On behalf of the industry the Employers' Association makes agreements with the employee unions, which ensure stable conditions in the labor market and limit wage growth to the greatest extent possible. | BLARK_translated | 2. Felags sáttmálar fyri vinnuna: Vegna vinnuna ger Arbeiðsgevarafelagið sáttmálar við løntakarafeløgini, ið tryggja støðug viðurskifti á arbeiðsmarknaðinum og tálma lønarvøkstur í mestan mun. |
3. Information: The Employers' Association provides information about private business, industrial matters and the importance work has for society, both externally and through Faroese media. | BLARK_translated | 3. Kunning: Arbeiðsgevarafelagið veitur kunning um privatu vinnuna, vinnulig viðurskiftir og tann týdning vinnan hevur fyri samfelagið, bæði úteftir og gjøgnum føroyskar miðlar. |
4. Advice and service: The association provides its members with sound advice and service in various areas: employment relations and management, contracts, laws and regulations in the labour sector. The administration in the Vinnuhúsið acts as a link to industry in other countries, partly through our cooperation with t... | BLARK_translated | 4. Ráðgeving og tænasta: Felagið veitir limum sínum holla ráðgeving og tænastu á ymiskum økjum: Starvsfólkaviðurskiftir og leiðsla, sáttmálar, lógir og reglugerðir á vinnuøkinum. Umsitingin í Vinnuhúsinum virkar sum sambindingarlið við vinnu í øðrum londum, partvís gjøgnum samstarv okkara við vinnufeløg í grannalondunu... |
5. Meetings and discussions for leadership within industry: The Business House is a focal point for commercial and industrial-policy discussions, and bonds are formed there between leaders in the private sector — even when the house serves as the setting for external visits. The Employers' Association also sets up work... | BLARK_translated | 5. Fundir og orðaskifti fyri leiðslunar innan vinnuna: Vinnuhúsið er miðdepil fyri vinnuligum og vinnupolitiskum orðaskifti, og har verða bond knýtt millum leiðarar í privatu vinnunu - eisini tá húsið er karmur um vitjanir uttaneftir. Arbeiðsgevarafelagið setur eisini eftir tørvi arbeiðsbólkar at greina mál og stevnur ... |
Today there are 10 trade associations under the same roof, and the building can therefore quite rightly be called the Business House. | BLARK_translated | Í dag eru 10 vinnufeløg undir sama taki, og kann húsið sostatt við røttum kallast Vinnuhúsið. |
The Faroese Employers' Association bought the building on R. C. Effersøesgøta in 1982, and around the same time an agreement was made with the Faroese Shipowners' Association that the associations should have a joint administration. | BLARK_translated | Føroya Arbeiðsgevarafelag keypti húsið í R. C. Effersøesgøtu í 1982, og um sama mundi varð avtala gjørd við Føroya Reiðarafelag um, at feløgini skuldu hava felags umsiting. |
For a few years only these two organizations were in the building, but gradually other organizations were added. | BLARK_translated | Í nøkur ár vóru bert hesi bæði feløgini í húsinum, men so við og við løgdust onnur feløg afturat. |
In the past year, two new organizations have taken up residence in the building. These are the Employers' Association for the Financial Institutions in the Faroe Islands, which has made an agreement with the Faroese Employers' Association for an office partnership, and the Shipowners' Association for Cargo Ships, which... | BLARK_translated | Seinasta árið hava 2 nýggj feløg fingið tilhald í húsinum. Talan er um Arbeiðsgevarafelagi hjá Fíggjarstovnunum í Føroyum, ið hevur gjørt avtalu við Føroya Arbeiðsgevarafelag um skrivstovufelagsskap, og Reiðarafelagið fyri Farmaskip, ið byrjaði við skrivstovufelagsskapi, men sum frá 01.01.99 er vorðið limur í Føroya Ar... |
The Faroese Shipowners’ Association decided in 1998 to try managing its own administration, outside the Trade House. | BLARK_translated | Føroya Reiðarafelag valdi í 1998 at royna seg við egnari umsiting, uttanfyri Vinnuhúsið. |
The overview below shows the membership numbers in the individual associations and who is the chairman. A mark (4 ) has also been placed next to those associations that have agreements with employees’ unions. | BLARK_translated | Í yvirlitinum niðanfyri sæst limatali í einstøku feløgunum og hvør er formaður. Eisini er eitt frámerki (4 ) sett við tey feløg, ið hava sáttmálar við løntakarafeløg. |
Because the Danish National Bank raised interest rates on June 9, 2000, Føroya Banki is changing its interest rate. | BLARK_translated | Av tí at danski Tjóð- bankin hevur hækkað renturnar tann 9. juni 2000, broytir Føroya Banki rentuna. |
With effect from 1 July 2000 the interest rates on deposits and loans will be increased by between 0.25–0.75% p.a. | BLARK_translated | Við gildi frá 1. juli 2000 hækka rentustigini á innláni og útláni við millum 0,25-0,75% p.a. |
Føroya Banki processes travel money daily and provides good advice to its customers before they travel, including in the following areas: | BLARK_translated | Føroya Banki avgreiðir ferðapening dagliga og hevur góð ráð at veita viðskiftafólki sínum, áðrenn tey fara at ferðast, millum annað innan fylgjandi økir: |
When traveling abroad, it is always good to have some cash with you. But it can be risky to carry too much, because cash is usually not insured, and the exchange rate for cash is not as good as for other payment methods. The bank keeps cash in most Western currencies. | BLARK_translated | Tá ið farið verður í útheimin, er altíð gott at hava eitt sindur av reiðupeningi við sær. Men tað kann verða vandamikið at hava ov nógv við, tí vanliga verður reiðupeningur ikki tryggjaður, og kursurin fyri reiðupening er ikki eins góður sum fyri annan gjaldingarhátt. Bankin liggur inni við reiðupeningi í flestu vestur... |
Travel checks are widely used around the world. These are protected against misuse, and if handled correctly, stolen travel checks will be refunded. It is important that the purchase receipt and the checks are kept separately. | BLARK_translated | Ferðakekkar verða nógv nýttir kring allan heim. Hesir eru tryggir móti misnýtslu, og um rætt verður borið at, verða stolnir ferðakekkar afturgoldnir. Tað hevur týdning, at keypsnotan og kekkarnir verða goymd hvør sær. |
When travel checks are cashed at a bank, at a hotel or at a currency exchange office, a small fee is usually charged for the transaction. | BLARK_translated | Tá ið ferðakekkar verða innloystir í banka, á gistingarhúsi ella á veksliskrivstovu, verður vanliga tikin ein lítil upphædd fyri avgreiðsluna. |
The FR card is a very handy card to have when traveling, when traveling in the Faroe Islands, Denmark and Greenland. | BLARK_translated | FR-kortið er eitt sera hent kort at hava við á ferðini, tá ið ferðast verður í Føroyum, Danmark og Grønlandi. |
So you don’t need to have cash on you. The card is easy to use, and you only need to provide the signature or use the PIN you received with the card. In addition to the personal PIN there is also a photo and a signature on the card, so the card is not easy to misuse if it is stolen. | BLARK_translated | Tí nýtist tær ikki at hava reiðan pening uppi á tær. Kortið er lætt at brúka, og tær nýtist bara at lata undirskriftina ella nýta loynitalið, sum tú fekst saman við kortinum. Umframt persónliga loynitalið er eisini mynd og undirskrift á kortinum, soleiðis at kortið ikki er lætt at misnýta, um tað verður stolið. |
The FR/VISA card is a combined card. First, it can be used in the Faroe Islands, Denmark and Greenland in the same way as the FR card. In addition, the FR/VISA card is a withdrawal and payment card that is used worldwide in the VISA system. | BLARK_translated | FR/VISA-kortið er eitt samansett kort. Fyri tað fyrsta kann tað nýtast í Føroyum, Danmark og Grønlandi á sama hátt sum FR-kortið. Harafturat er FR/VISA-kortið eitt úttøku- og gjaldingarkort, sum verður nýtt um allan heim í VISA-skipanini. |
If a debit card is used abroad at a bank or cash machine, a fee of 1% will be charged, but at least DKK 30 for each withdrawal. | BLARK_translated | Verður reiðupeningur tikin út uttanlands í peningastovni ella sjálvtøku, verður goldið 1% í gjaldi, tó í minsta lagi 30,- kr. fyri hvørt útgjald. |
If the card is lost or stolen, you must report it as soon as possible. | BLARK_translated | Um kortið verður burturmist ella stolið, skulu tygum siga frá so skjótt sum gjørligt. |
The card will then be blocked and cannot be used — or misused. | BLARK_translated | Kortið verður síðani sperrað og kann ikki nýtast - ella misnýtast. |
If payment is withdrawn abroad at a bank or ATM, a fee of 2% will be charged, with a minimum of 50 DKK for each withdrawal. | BLARK_translated | Verður reiðupeningur tikin út uttanlands í peningastovni ella sjálvtøku, verður goldið 2% í gjaldi, tó minimum 50,- kr. fyri hvørt útgjald. |
If the card is stolen or lost, Eurocard Denmark must be notified immediately by telephone +45 44 89 25 00. | BLARK_translated | Verður kortið stolið ella mist burtur, skal Eurocard Danmark beinanvegin hava fráboðan á telefon +45 44 89 25 00. |
When you go travelling it is also necessary to think about travel insurance. We at Føroya Banki can also offer you several different types of insurance, depending on where you are going. | BLARK_translated | Tá farið verður út at ferðast er eisini neyðugt at hugsa um ferðatrygging. Vit í Føroya Banka kunnu eisini bjóða tær fleiri ymisk sløg av tryggingum, alt eftir hvar tú fert. |
Business and Service Transfers - abbreviated B&S - is a system that automatically processes recurring transfers in Føroya Banki. | BLARK_translated | Vinnu- og Tænastuflytingar - stytt V&T - er ein skipan, sum sjálvvirkandi avgreiðir afturvendandi flytingum í Føroya Banka. |
Regular transfers between accounts in the Faroe Islands can be set up at the bank to be automatically executed on a specific day. | BLARK_translated | Fastar flytingar millum konti í Føroyum kunnu stovnast í bankanum sum sjálvvirkandi at verða avgreiddar ein ávísan dag. |
We recommend to our customers that they structure their financing with both a fixed-rate (series) loan and an annuity loan over 15–25 years. However, we try to take the individual customer’s financial situation into account, so we cannot say here what portion of the financing for your house should be a fixed-rate loan ... | BLARK_translated | Vit tilmæla viðskiftafólki okkara at seta fíggingina saman við bæði seriuláni og annuitetsláni yvir 15-25 ár. Tó royna vit at taka støði í fíggjarligu støðu hjá tí einstaka kundanum, og kunnu vit tí ikki her siga, hvussu stórur partur av fíggingini av tínum húsum skal vera seriulán og hvussu stórur partur annuitetslán. |
It is possible to carry out ordinary banking transactions at home on your own computer. HomeBank offers the ability to handle banking matters in the evening and on weekends, or whenever it is most convenient. | BLARK_translated | Møguleiki er at avgreiða vanligar bankaavgreiðslur heima við hús á egnari teldu. HeimaBankin gevur møguleika at avgreiða bankaørindi á kvøldi og í vikuskiftinum, ella tá ið best liggur fyri. |
With the system you can, using up-to-date technology, pay bills, set up standing transfers, move money between accounts and get information about your accounts. | BLARK_translated | Við skipanini kanst tú við tíðarhóskandi tøkni gjalda rokningar, stovna fastar flytingar, flyta pening millum konti og fáa upplýsingar um tínar konti. |
HeimaBankin is, however, more than that. The system also includes a service where you can create your own financial plan and loan calculations. In addition, there is the possibility to obtain information about foreign currencies. | BLARK_translated | HeimaBankin er tó meira enn hetta. Í skipanini er eisini ein tænasta, har tú kanst gera egna fíggjarætlan og lánsútrokningar. Harumframt er møguleiki at fáa upplýsingar um fremmant gjaldoyra. |
The person must therefore be a customer of Føroya Banki and have registered for HeimaBankin. Efforts are made at all times to ensure that there is no doubt about the security of the HeimaBanka system. | BLARK_translated | Viðkomandi skal sostatt vera kundi í Føroya Banka og hava ognað sær HeimaBankan. Roynt verður alla tíðina at tryggja, at eingin ivi er um trygdina í HeimaBanka-skipanini. |
To prevent a virus from entering your computer, you should keep the following in mind: | BLARK_translated | Fyri at virus ikki skal koma inn á tína teldu, eigur tú at hava fylgjandi í huga: |
Try as much as possible not to open files that are attached to the email. | BLARK_translated | Royn so vítt møguligt ikki at opna fílur, sum eru hjálagdar T-postinum. |
Customers can themselves check their own computers for known types of viruses, such as BackOrifice and Netbus. This can be done on the SDC website - the company that programmed the HomeBank system: | BLARK_translated | Kundar kunnu sjálvir kanna egna teldu fyri kend sløg av virus, sum t.d. BackOrifice og Netbus. Hetta kann gerast á heimasíðuna hjá SDC - fyritøkan, sum hevur forritað HeimaBanka-skipanina: |
When Nosi celebrates his birthday in the month of September, you are welcome to come to the bank to deposit money and receive a gift. | BLARK_translated | Tá ið Nósi heldur føðingardag í september mánaði, ert tú vælkomin í bankan at seta pening inn og fáa gávu. |
By opening a Nós account, you get a good interest rate for your saved money. Together with the deposit, the savings grow faster than you think. | BLARK_translated | Við at stovna eina Nósakonto, fæst ein góð renta fyri samansparda peningin. Saman við inngjaldinum veksur samansparingin skjótari, enn tú trýrt. |
The seal is very curious when it is out in the water, but very afraid of itself when it is on land. Especially in June and July, when the seal has had pups, it is very protective when strangers come too close. | BLARK_translated | Kópur er ógvuliga forvitin, tá ið hann er úti í vatni, men sera bangin av sær, tá ið hann er á landi. Serliga í juni og juli mánað, tá ið kópur hevur fingið hvølpar, er hann ógvuliga varin, tá ið fremmand koma ov nær. |
A puppy weighs about 10 kilos when he is born, and does not have all the fat that the adult seal has. Therefore the puppy gains about 900 grams per day during the first 3–4 weeks while he suckles from his mother. This sounds like a lot, but because seal milk contains 48% fat compared with only 4–5% in cow’s milk, this ... | BLARK_translated | Hvølpur vigar umleið 10 kilo, tá ið hann verður føddur, og hevur ikki alt tað spikið, sum tann vaksni kópurin hevur. Tí tekur hvølpur umleið 900 gram uppá um dagin tær fyrstu 3-4 vikurnar, meðan hann sýgur mammuna. Hetta ljóðar av nógvum, men av tí, at kópamjólkin inniheldur 48% feitt ímóti teimum einans 4-5%, ið eru í... |
When you go into the bank to cash out your Nósan, you get a stamp at the back of the passbook for every full 50 kr. you deposit. | BLARK_translated | Tá ið tú kemur inn í bankan at tøma Nósan, fær tú eitt stempul aftast í bankabókina fyri hvørjar heilar 50 kr., tú setur inn. |
When you have collected 10 or 20 stamps in the book, you have the option to choose a Nósagáva. | BLARK_translated | Tá ið tú hevur samlað tær 10 ella 20 stempul í bókina, hevur tú møguleika at velja tær eina Nósagávu. |
a pencil case or wallet in the colors blue, green, or violet | BLARK_translated | eitt pennahús ella pengamappu í litunum blátt, grønt ella violett |
Are you between 13 and 25 years old and need an account with lots of options, KontoIN is the right one. You can choose between a checking (spending) account and a savings account. | BLARK_translated | Ert tú millum 13 og 25 ár og hevur tørv á eini konto við nógvum møguleikum, er KontoIN tann rætta. Tú kanst velja millum eina nýtslu- og eina uppsparingarkonto. |
Order a leaflet by email and write your name and address. | BLARK_translated | Bílegg ein faldara um teldupost og skriva navn og bústað. |
The interest will be set based on the expenditure. However, the bank requires a minimum expenditure of 30% of the purchase price — a trade-in car will be counted as expenditure. | BLARK_translated | Rentan verður ásett eftir útgjaldi. Bankin krevur tó eitt minsta útgjald uppá 30% av keypsprísinum - býtisbilur verður roknaður sum útgjald. |
You also have the option to calculate how much a car loan will cost you per month, so that it will not be too heavy on you financially. | BLARK_translated | Eisini hevur tú møguleika at rokna út, hvat eitt billán kemur at kosta tær um mánaðin, soleiðis at tú ikki kemur at hava tađ ov tungt fíggjarliga. |
You can also take out car insurance with us! More information about car insurance is available on Trygd’s website. | BLARK_translated | Tú kanst eisini tekna biltryggingar hjá okkum! Meiri fæst at vita um biltrygging á heimasíðuni hjá Trygd. |
Visit one of our departments to learn more or order a leaflet by email | BLARK_translated | Kom inn á eina av deildum okkara og fá meiri at vita ella bílegg ein faldara um teldupostin |
Who doesn't wish to have the ability to save themselves and their loved ones — to stand on their own two feet? | BLARK_translated | Hvør hevur ikki ynski um at hava møguleika at lívbjarga sær og sínum - at seta føtur undir egið borð? |
Buying a home is not just something you say, because in most cases it means that you bind yourself for many years. Therefore it is necessary that you are clear about the consequences this has, and that you also can afford to live and make a living after you have bought or built. | BLARK_translated | At seta búgv er ikki bara sum at siga tað, tí í flestu førum merkir hetta, at tú bindur teg í mong ár. Tí er neyðugt, at tú ert greiður yvir tær avleiðingar, ið hetta fær, og at tú eisini hevur ráð at búgva og liva, eftir at tú hevur keypt ella bygt. |
At Føroya Banki we want to advise you about your options for financing single-family homes or apartments. We strive to ensure that you have the opportunity to have financial services in one place. Therefore we have, among other things, the ability to offer you: | BLARK_translated | Í Føroya Banka ynskja vit at ráðgeva tær um tínar møguleikar um fígging av sethúsum ella íbúð. Vit leggja okkum eftir, at tú fært møguleikan at hava fíggjarligar tænastur á einum stað. Tí hava vit, millum annað, møguleika at bjóða tær: |
A competitive financing option for buying or building a home. Download the new brochure "Why we chose Føroya Banki" here. The brochure is in Acrobat format. If you don't have Acrobat Reader, you can download it here. | BLARK_translated | Eina kappingarføra fígging av keypi ella bygging av bústaði. Heinta nýggja faldaran "Tí valdu vit Føroya Banka" her. Faldarin liggur í Acrobat fromati. Hevur tú ikki Acrobat Reader, kannst tú heinta tað niður her. |
Insurance of both residential houses, household contents and loans in connection with death | BLARK_translated | Trygging av bæði sethúsum, innbúgvi og lánum í sambandi við deyða |
Start dreaming about your own home with us. The decision to buy or build a house is one of the biggest decisions we make in life. | BLARK_translated | Byrja húsadreym um egnan bústað hjá okkum. Avgerðin um at keypa ella byggja hús er ein av teimum størstu avgerðum, sum vit taka gjøgnum lívi. |
With a Housing Account (BústaðarKonto) you receive the bank's highest deposit interest rate, and in addition the state treasury provides a 3% p.a. subsidy. | BLARK_translated | Við eini BústaðarKonto fært tú hægstu innlánsrentu bankans, og afturat hesum letur landskassin 3% p.a. í studningi. |
If you start early, the loan portion will be smaller, and you can instead pay part in cash when you begin to build or buy. | BLARK_translated | Byrjar tú í góðari tíð, verður lánsparturin minni, og kann tú ístaðin gjalda ein part kontant, tá ið tú fert í holt við at byggja ella keypa. |
The money must be used within 8 years. However, this period can be extended if you apply for an extension because of education. The extension can be at most 8 years! | BLARK_translated | Peningurin eigur at verða nýttur innan 8 ár. Tó kann hetta tíðarskeið leingjast, um tú søkir um skáa vegna útbúgving. Skáin kann í mesta lagi vera 8 ár! |
A Housing Account (BústaðarKonto) can be opened by anyone who is 16 years or older and fully tax resident in the Faroe Islands. However, such an account can only be opened once by the same person! Download a leaflet. The leaflet is available in Acrobat format. If you do not have Acrobat Reader, you can download it here... | BLARK_translated | BústaðarKonto kann stovnast av øllum, sum eru fylt 16 ár og sum eru undir fullari skattskyldu í Føroyum. Tó kann ein slík konto bert stovnast eina ferð av sama persóni! Heinta ein faldara. Faldarin liggur í Acrobat formati. Hevur tú ikki Acrobat Reader, kanst tú heinta tað niður her. |
Mortgage financing in Føroya Banki is normally provided over 20 years, both as annuity loans (with equal loan payments) and as serial loans (with decreasing loan payments). | BLARK_translated | Vanliga verður sethúsafíggingin í Føroya Banka veitt yvir 20 ár, bæði sum annuitetslán (við eins stórum lánsgjøldum) og sum seriulán (við minkandi lánsgjøldum). |
With a Financial Account, the expenses are smoothed out over the entire year. | BLARK_translated | Við eini Fíggjarkonto verða útreiðslurnar javnaðar út yvir alt árið. |
Come into one of our departments to learn more or order a brochure by email and include your name and address. | BLARK_translated | Kom inn á eina av deildum okkara og fá meira at vita ella bílegg ein faldara um teldupost og skriva navn og bústað. |
Føroya Banki can offer you a pension savings plan that can become a significant source of income when retirement age arrives. | BLARK_translated | Føroya Banki kann bjóða tær eina eftirlønarsamansparing, sum kann gerast ein munadygg inntøka, tá ið eftirlønaraldurin kemur. |
That is precisely what Føroya Banki wants to offer its customers with the 60-year account — an account that can improve financial prospects when age prevents continuing a profitable income base. | BLARK_translated | Tað er júst tað, sum Føroya Banki við 60 ára kontoini ynskir at bjóða viðskiftafólkinum - eina konto, sum kann bøta um fíggjarútlitini, tá ið aldurin forðar fyri framhaldandi lønandi inntøkugrundarlagi. |
An account established under a statutory regulation provides a tax advantage immediately and a very good interest rate from the bank. | BLARK_translated | Kontoin, sum er gjørd eftir eini lógarkunngerð, gevur skattafyrimun beinanvegin og sera góða rentu frá bankanum. |
Anyone who has not turned 60 years old and who is fully liable to pay taxes in the Faroe Islands can receive a 60-year account. | BLARK_translated | Øll, sum ikki hava fylt 60 ár, og sum eru fult skattaskyldug í Føroyum, kunnu fáa eina 60-ára konto. |
The earlier you start saving together in a 60-year account, the better you can maintain the same standard of living at retirement age. | BLARK_translated | Jú fyrr byrjað verður at spara saman á 60-ára konto, tess betur kanst tú halda sama livifót við pensiónsaldur. |
There is no limit to how much the deposit and the withdrawal can be on the Ratukonto, but the withdrawal method is different. | BLARK_translated | Einki hámark er fyri, hvussu nógv inngjaldið og frádrátturin kann verða á Ratukonto, men frádrátturhátturin er øðrvísi. |
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