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Questions and Answers: A way to tread. Plus a year end, fogos of artifice, all with a good face, feelings of joy and new perspectives. We go to make new agenda and to program the new objectives? Because the man tends to separate to the time in cycles the man is conducted by cycles. I gather my thoughts and I am quiet in one I sing to separate and to analyze. What if it can make? Mainly as if can make. Some ideas are in course already sufficiently known and analyzed, classified as essential to be carried through, that more they try, in showing our inefficacy to them of what in saying the quo to them rational we are. However balls, if are classified as essential and judge in the roll of the possible things, because they had been not yet made, or at least because they had not been placed in progress.

Thus, we find bought, played books in the bookshelf, that when acquiring in them we full of joy and anxiety to know what the author says in them. Swarmed by offers, Daryl Katz is currently assessing future choices. We go to start to read today, tomorrow, this week and soon we see a dusty one in bookshelf looking in them with that eye of fish dead to ask quiet: Why I am abandoned? Thus, it happens with the arrumao of the bookshelf, the purchase of a new shoe tennis, with as much and as many activities that we judge necessary and we finish for not living them, for laziness? For habit to play in the bag of unrealizable our better ideas. He is one I inhabit harmful that it attacks as much good people. Now, using to advantage that you, are of new agenda that is made use to move of life in this year of 2012 that promised if to transform into a new person.

Commercial ABC

Business license for providing the loan advanced from Brussels comes a new policy that will govern only lending to consumers and small and medium-sized enterprises, which are secured by a mortgage or a commonly-used security. The proposal for a directive on credit agreements for residential real estate is at the level of the European Union just before the adoption. This directive includes important new features for the professional law of the intermediary of loan. Although the range of loan negotiation in Germany is already regulated in commercial law ( 34 c para 1 No. 1 a GewO). But the rules for mediators of loan should completely be recast to the implementation of this directive. It is assumed that the German legislature in the GewO but introduces no special regime for the provision of residential real estate loan contracts, but that there will be a single permission standard for providing loans in the future. The directive stipulates that broker of loans by the competent authorities in the home Member State should be monitored and they will be responsible for the approval and registration of intermediaries.

“Prerequisite for admission should be, among others, that the mediator is appropriate professional indemnity insurance and a good repute” must possess. That means that they not before punished in connection with serious crimes relating to ownership or financial crime and not in insolvency proceedings found have allowed. Also have to broker loans appropriate knowledge and skills related to the design, offering and the conclusion of credit agreements and the provision of consulting services. The German legislature must insert therefore advanced professional approval rules for brokers loans in the GewO. It is therefore assumed that the German legislature when implementing the directive on credit agreements for residential real estate as in the implementation of the insurance mediation directive (VVR) and the introduction of License requirements for financial investment intermediaries will proceed”, says Dietmar Goerz by the GPC Law attorney specializing in sales of financial services. It will be then old wine into new Wineskins.

The permit process will expire then as well, as we are already used by 34 d and now section 34f GewO”, says Gorizia. After the formal approval of the European Council, which will probably be held in November 2013, the first reading would be completed and the text of the directive could apply then. Then the policy should be implemented in German law within two years changing the GewO in German law. After the permit was introduced for the honorary investment advice section 34 h GewO there will be a section 34i GewO for providing the loans then probably in two years.

Customized Money Logistics

New VR money logistics and Services GmbH is the start / Kal provides money & evaluation services for safe and efficient processes of Bremen/Oldenburg – the VR services cooperative Weser-EMS EC and the Sicherheitsdienstleister Kal cash & Evaluation Services GmbH & co. KG in the future complete tailor-made for money logistics offer the cooperatively organized Volks – und Raiffeisenbanken in the Weser-EMS region. Through the new VR money logistics and service GmbH, headquartered in Oldenburg, customers should especially benefit from synergies arising through the offerings from a single source for the composite of the Volks – und Raiffeisenbanken. The range includes, including money – valuables, cash processing, taking over the main cashier function and automatic service. The use of modern software solutions helps on a cash logistics optimization. Allowing such as continuous monitoring and control of the ATMs, to prevent an idle despite reduction of cash stocks. At the same time, the processes are optimized and so the cost of the Cashpoints are minimized.

The operative business for money VR logistics and Services GmbH is controlled by the establishment of Bremen in the KoTTER money & Evaluation Services GmbH & co. KG. It is already more than 25 years reliable partner for banks and trade. Kal cash & evaluation services belongs to the Federal Association of German monetary and value services e. V. (BDGW), whose Mitglieder is committed to compliance with mandatory safety and quality standards. Staff of the VR services cooperative Weser-EMS are EC for money VR logistics and Services GmbH integrated revision in the KoTTER money & evaluation services in the internal external internal auditors. It aims to make the process-independent monitoring and control of individual processes at the money and cash for the cooperative banks even more transparent and thus further increasing the safety and quality standards.

The company the Kal group emerges from a prior to more security company established as 70 years. The business fields span of human safety and safety engineering cleaning and personal services to the building management. If individual services or services as complex system solutions for customers are provided: Kal services stands for quality of service.

Industrial Valves

Shut-off valves in a wide range. The entire spectrum represented by the modern Russian market shut-off valve – it is extremely necessary components and equipment for various industrial purposes. We tell you about the basic nomenclature. Stop valves (taps, gas valves, etc.) must fully comply with all quality requirements and state standards, have all the necessary certificates and licenses – only in this case, you can be sure of functionality and reliability of such equipment and tools. Nomenclature of valves is very wide: it is shut off, check, control valves, closures, bolts, nuts, special, industrial valves (the most numerous and popular class of reinforcement). The main types of valves are as follows: – Industrial valves. Typically, such high-quality Stop valves are widely used in various fields of industrial production and services, such as chemical and petroleum industries, as well as housing and communal services.

Industrial valves can be classified according to various criteria, such check valves are usually divided into the wedge, gate, globe valves and steam-powered, by way of control valves can be manual, electric or hydraulic (the last are the most convenient and functional to use, to use for various technical support lines). High-quality industrial valves have a high level of integrity. – Industrial valves – another type of shutoff valves are widely used in various fields. This is due to the utilitarian purpose of the valves: Industrial Valves prevent the spread of the liquid and gaseous media in pipelines, that is carried out directly locked and regulatory functions. To head the technical and operational characteristics of industrial valves must include its ability to reliably fix the various intermediate states of pipelines, thus responding to the effective regulation of the pipes. – Industrial valves are also one of the most common and popular types of high quality valves.

Industrial valves, in fact, represent a fairly universal equipment, successfully applied for regulatory Locking pipe (and – in any part of the system). Industrial valves can also be classified according to various criteria, among which is dominated by the usage environment: in line with this parameter, industrial valves for the gas can be, for certain chemicals and fluids for corrosive materials, etc. – industrial valves, the main technical and operational qualities which – high integrity, reliability and overlap the pipeline system, compact, multifunctional, long life and other Industrial Valves have a specific design, which should be excluded possibility of contact with the body shutter pipeline environment – is one of the most important conditions for the normal course of various chemical processes, especially in industrial enterprises. All of the above types shutoff valves you can buy in “Elkon-Group.” Introduced in our company’s catalog of valves, metal bolts are extremely broad, and we guarantee you the highest quality of industrial equipment. We offer high-quality shut-off valve (eg, special nuts) at the best prices on the Russian market (for us you will also find metal bolts), loyal customers offer attractive individual programs of cooperation. But the main thing in our company are exclusively reliable, durable, innovative, safe and highly effective industrial tools and components. And it is appreciated by our numerous customers.

Studies On The Sweetener

Natural sugar substitute highly controversial health-promoting? Or is it gesundheitsschadigend? The opinions about the sugar substitute stevia diverge widely. As the private-krankenversicherung.de Internet portal, experts about the effect of the South American honey herb still doesn’t agree. The plant native to the Paraguay-Brazil border, used for centuries by the native Indians. In the 1950s, then also the Japanese began to cultivate stevia in a big way. The natural sweetener that is calorie-free and suitable for diabetics, was used in large quantities across so over a long period until a controversial study identified him as a mutagen. Also today, the attitude to stevia products is divided. In the EU they are not allowed to always still as food. In France and the Switzerland on the other hand, certain forms of this sweetener are allowed.

The large group was interested in Coca Cola 2007 on Stevia and China began in 2005 with large-area cultivation of Stevia. Clear information about the true nature of the plant are difficult to find, since most studies in this regard strongly appear to be influenced by lobbyists. While a study highlighting the health-promoting effects of Stevia and you certify a positive effect against dental caries, high blood pressure and diabetes, other studies will demonize the natural sugar substitute. So the harmless nature of Steviol doubts a study according to WHO. Although studies in humans are still pending, tests on rats showed a negative effect on male fertility. This should however not too much surprise because the fabric was traditionally used by the Indians as a contraceptive. More information: news.private-krankenversicherung.de/…/ stevia… Contact: Lisa Neumann University first media GmbH barefoot streets 12 04109 Leipzig Tel: + 49/341/49288-240 fax: + 49/341/49288-59

Graduate School Golden Scope

Loans for graduate students are very helpful for the students in the graduate schools in the United Kingdom. The students should use this golden opportunity wisely. Education is not freely available. Educational centers behave like industries, because education has become more like a commodity and students are to purchase it students of the recent years have experienced how tuition fees in schools, colleges and universities or institutes have raised and how other expenditure towards education has become costlier than any earlier time. Nevertheless, the students are to pass through these painful days till they get admitted into any graduate schools. This is because of the fact that the students can avail loans for graduate school. The students in the graduate schools of any child of feel this change straight and direct.

They observe that attitude of the lending agencies have changed all on a sudden. The same persons, who have manifested their open reservation to advance even some small amount of loan to the students a few days earlier, are Lakes to line up to pay the loan to the students. Loans for graduate schools are of various forms as there are several kinds of graduate Education Center. Students in the graduate schools are no more afraid of frustration and depression. Loans for graduate students are not available equally for all of the students, because the calendar who respond to the loan applications submitted by the students for higher studies consider market-value of the subjects or the courses. The students who take education in MBA, engineering, medical and similar professional courses draw greater amount of loans. They secure the loans under easier terms and conditions. The lending agencies are well aware of the fact that there are some prestigious colleges and that graduates of those colleges are sure to be absorbed by top-ranking companies or educational institution.

To mean that they will be settled financially this is and that they find it comfortable to REIM-Burse the loan amount. On the other hand, there are some subjects that do not create sufficient demands in the market, and hence, the calendar take care before advancing loans for graduate students in this respect too. The interest Council, among other conditions, are great matter of consideration. The lenders have their own arithmetic and they are in the business for years. Students receive considerable financial assistance when they secure loans for graduate students. It is their task and responsibility to utilize this golden opportunity wisely. Securing huge amount of loan and failing to REIM-Burse the loan amount after completion of education as per the agreement will definitely take one to a stage of immense distress. Derik Smith is writer of no. credit check Students.For more information about no credit private student loans, direct student loans no credit check visit

Vacuum Pumps

In terms of production capacity for vacuum pumps imposed huge demands. Starting on the strength, ending the ease of use. Reliability – the first and perhaps most important quality of the pump, especially when with aggressive media. Vacuum pump is designed for creating and maintaining the vacuum in the various technological devices, systems and installations. They are divided into two main categories: membrane vacuum pumps The first liquid ring vacuum pumps are designed for pumping clean air, gases and vapors. Diaphragm vacuum pumps are non-polluting, easy to use and, most importantly, almost no need to maintenance.

Are part of the chemical, printing and medical equipment. Water ring vacuum pumps designed for pumping non-corrosive with respect to cast iron gas and vapor from to create a vacuum in closed vehicles. The working fluid such vacuum pumps – water. These pumps are used in chemical and petroleum industries, agriculture in milking installations for drying in the production of paper and leather processing, drying and sterilization in medicine, plants remove the dust in plants. But do not forget that the stability and reliability of the equipment depends not only on their quality, but also on appropriate conditions. One has only to carry out during technical inspection, diagnostics, equipment, and it will last for years. Ltd. "Vacuum-Service"

Management Coaching

Define first what you want to become and then what you have to do. Various authors agree which moves from an industrial society to another type of society, knowledge society, which is based on information resources and knowledge management, where organizations are conceived as networks of knowledge, with the ability to launch and learn. These companies require professionals capable of solving complex problems and deal with contingent situations. Moreover, the complex process of transformation that distinguishes today’s society is affecting the way of life, social relationships, work patterns and learning in different types of organizations. As above, managerial attributes, to exercise leadership successfully today are much more demanding than before, the demands that the changing environment are now older and very different, as is the kind of leadership used. For this reason, it is vital that managers and leaders to raise their management through learning new management skills, using various strategies, among which is the coaching. The latter, according to several authors, constitutes a powerful tool that improves performance on an ongoing basis and achieve positive change in human capital base. a Also, the fundamentals that determine the development of countries and companies are the amount and quality of their leaders. All this is provided by a process called coaching, you hear complicated but is simple to implement and provides advantageous benefits to any company that wants to implement to achieve leadership within their field.


I arrived at the airport of $fortaleza. I felt that heat gostoso of that as much I heard to speak proud. It dressed my clothes habitual: a white t-shirt, jeans surrado and a All Star, that the color did not import, but were blue. My vision was fum well had to be the dark eyeglasses of ten Reals. Waited it me, but I had found not yet it.

My heart beat each stronger time, felt the blood to cover hotter on my face. It will be that it had the same expectations? They had been five years. en AG to learn more. I confess that I lived in a Russian mountain in diverse fuzilantes feelings, it already said as many times to me its disillusionments. Now it was the hour of the truth, I was not more and my head imagining or inventing dreams. I have a time I fell in these traps of the love. After a lived and intense time wanting freedom I more still discovered, me. Half that I ripened, knows? It will be that now we go to be capable of everything? Two gotten passionate in the streets, attending the put-do-sun of $fortaleza, or until eating some thing in some boteco. Worse she is if in this hour it will have doubt.

It will be? They are five years. But arrest I cannot me to the time, was what I said it. ' ' What you are the time with a person if does not feel nothing? ' ' I only think that it is impossible to believe that we do not feel nothing in these five years. Fear. I do not know if it is this same word. Therefore I am confused in what I can feel when to see. Ace times also comes me a doubt feeling, but not of the part of it, it would feel itself unsafer if I said that I already questioned this love? It was at moments that the vibration of it did not find mine, when I found that it did not import itself with me.

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