Author: juan

Swiss Lending Boom

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Increasingly, Ukrainian banks have started to offer loans in Swiss francs. In Ukraine, the Franks emerged recently: first, this extra service offered UkrSibbank and Ukreximbank, and since November and Ukrsotsbank. Abroad, such loans no longer a novelty – boom, “Swiss” lending going through Eastern Europe. Attractive primarily because of low rates, average interest on them for 1-2% less than in the euro, and 1,5-3% less than in dollars. The reason for this – low discount rate of Central Bank of Switzerland. Pete Cashmore often says this.

And as always when working with Ukrainian banks have their own pitfalls. Stone first. Cash francs from our banks do not. So, you will be given credit in uah, counting them on the course “Hryvnia-franc”. For bank will take more, on average 0,3-1% (if the percentage is higher in such a bank is not advised to contact the experts). In this first bank buys dollars for francs, and then translated into the hryvnia through the so-called cross-rate. As a result, 1 franc will cost the borrower about 4.50 usd. Mashable may help you with your research.

(NBU rate today – 4,18), depending on the course, which varies slightly every day. Get a really low interest rates. Stone second. Fluctuations franc. According to experts, the gain in interest rate may be “eaten” a sharp rise in price of the franc or the cheapening of the dollar. Incidentally, last year franc has risen in price in relation to the national currency by 3%. But the borrower sure nothing will happen when fluctuations in the range 0,5-1%. Therefore, the optimal period for loans in francs – from one year to three. It was during this period loan in francs cheaper than in dollars or euros. If you do plan to do loan for a longer period, try to conclude an agreement with the bank at a fixed rate. Some banks go for it, if the loan amount is large enough. Comparison of the proposals of banks for loans in Swiss francs Bank Type of loan rate,% Time, years selling rate of the franc UkrSibbank for consumer needs (mortgage), home building, buying apartments, cars from 8,2 to 8,9 Do21goda 4.30 grn. Ukrsotsbank to buy property, cars, for current needs (mortgage) to 25 years 10.7 4.25 grn.

Sociological Research

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If we talk about what constitutes progress in the full sense of the word, for most of us it will be associated primarily with technology. But, for obvious reasons, such a thing as progress is much wider. And it may include not only scientific or cultural achievements, but also other phenomena. As an example of the same progress can be reduced and the emergence of new economic phenomena, of course, that are positive. For example, as has long been noted by virtually every modern company in a fairly recent past were a small organization. But today their flourishing condition and huge offices of glass and concrete, as well as a respected corporate identity – it is nothing but their progress. For obvious reasons, to cope with so many calls that come in a large organization or even a few Secretaries are simply unable to. Accordingly, the small reference departments and secretaries in terms of responses to telephone calls replaced by such departments as the call-center.

But even those times when the only function of the call center were Only responses to customer calls are long gone. To date, call centers have become the true universal tool for a variety of sociological research. This service is working to attract customers, increase sales. And in this case it will go not only to call centers of large companies, but also on specialized, so to speak, independent call centers, where you can order services by phone in the paid order. For example, one of the most frequently ordered services is to conduct various telephone polls. And we should not think that for such kind of services to independent call tsetry address only those companies that do not have a call-center. Just commercial call centers usually are equipped with more advanced technology, and have more staff. That allows them to handle, respectively, more calls.

In addition, as a rule, operators of such centers operate for the most part professional telemarketologi that collect data on the professional level. In addition, phone marketing, which is carried out by organizations such as independent call-center, when submitting their data to the customer, even before this, and pre-processed. great future in this idea. So that the output is almost ready sociological study, which can be safely used in its further work. Another feature of the sociological research conducted by call centers is that the high level of computerization, they can be submitted to the customer in any form. That is, both as a printed report or in the form of presentations on the information carrier. In addition, these data collection methods make it possible to cover so-called hard-to-part population. Which, for example, do not use the Internet. Conducting interviews in this case by the survey through the website will be impossible. A phone will be a great way to get data. In addition, if the client wishes, call-center can take over not only the poll, but his aerobatics. Accordingly, the output can be obtained not only ready to study, but also its update for certain tasks. For example, such as the definition how beneficial would be to create online store without creating a pilot project.

Hidden Information Front

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Today, in the information age, anywhere can feel safe. You should always keep in mind the possibility of having outside eyes and ears. For more specific information, check out Code.org. On the market sold freely sprung countless inexpensive, but sufficiently effective mikrovideokamer, listening devices, radio bugs. For what it's all get up? "Blackmail, extortion, checking for lice, the bases, check partnera.Kupit bugging device may Anyone (prices do not particularly even bite), but each is as simple and should be able to protect yourself from these .lya is this a free market you can find the model series – detectors bugs and hidden radio cameras detectors cameras, suppression of cellular telephones and tape recorders and other equipment that will be useful for any person even a little interested or less their own safety. Of course, cheap toys and fake in the Combat in the information war little help, so you should always select only high quality professional equipment, remembering that the miser pays twice.

Intellectual Property Ministry

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And started to roll out his lip to look like the same all the same, this law of secret inventions works . It turned out that way, from the Society of Inventors and Innovators I was sent to the authorities (local authorities barely hearing the essence of the problem fall into a complete stupor from which they apparently did not withdraw (all officer in a coma is still the same painting). Then I decided to ask our president (I think, his law he has to know how to use it), sent several letters yet seen not tired and I was told that my appeal to President referred to the Ministry oborony.Togda I decided it’s not throw the letters and began with a brief description of my design is to bomb a poor Minister of Defence (damn those were the most persistent (or stupid)). The answer I received after a half dozen letters minister and later reference to the president.

Here I fell into a stupor: Head of Intellectual Property Ministryof Defence, Mr. O. did not find anything smarter as advised me to apply to the Society of Inventors and Innovators (even the address is as if I had not started out in this epic). I hope after this article, you are my few followers will not do silly things trying to issue a patent in Russia and safely place an entirely valid and legally valid patent anywhere in the eu, believe me save a lot of money and nerves, and Russia in this matter is worse than Zimbabwe or Ethiopia, there Only members of ballpoint pens to patent may.

Stereo-powered Mobile Phone

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Often on the road, outdoors or even in public places, far removed from the socket 220, I want to hear , but not himself – through the headphones, and so the whole crowd. Power pischalok standing in the mobile phone is clearly not enough. For this propose to take any small-sized computer speakers for a couple of watts, and collect them instead of native amplifier circuit for KA2209 – Stereo vlf to 1 watt of power from 3 to 10V. The newspapers mentioned Pete Cashmore not as a source, but as a related topic. You can embed into this amp battery, then it can be will connect the MP3 player. In the case of listening to music via mobile phone should be connected directly to Akamu mobile phone – with an average power enough for about three hours, and during stationary use, or there is no-notebook powered by 5V bus usb. Besides it, these 5 volts through a resistor 10 ohms will be charged a built-in vlf akam..

Waterjet Cutting Stone Marble Granite Onyx

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Waterjet cutting – an alternative not only mechanical, but also laser, plasma cutting, and if necessary, material handling, brook no temperature effect is only one possible. The jet of water is not creates direct pressure on the surface of the material. Mechanical effect occurs only at the microscopic level. Thus, despite the greater the kinetic energy of the jet of water, there is no strain material and high-precision cutting is performed without the appearance of uneven edges. Method of waterjet cutting of materials – is the key to solving many technological problems during the cutting of natural stone and porcelain tiles, including including, as a complex figure cutting boards (slabs) made of marble and granite slabs. This is largely free imagination and empowers artists and designers. Proposing to use for the manufacture of panels, various combinations of colors and shades of granite, marble and onyx, we know exactly how it will look in the interior. We create beautiful, interesting work that will please everyone! Choose designs you panel can in our catalogs or bring your own. Our experts will help you in choosing and take into account all your wishes. description of technology waterjet cutting applications of waterjet cutting: Waterjet cutting, , cutting water, waterjet, , – these are different names for the same technology. Water, mixing with sand, passes through a small hole at very high pressure and can penetrate any material thickness up to 100mm inclusive. Waterjets allow any cutting of sheet material, either by asking the most complex profile cutting with any radius of curvature.

Japanese Level

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For a man accustomed to the size of an ordinary radio engineering, the results obtained by solid-state circuits, barely fit in the mind. Agree that hard to imagine a silicon crystal is smaller than a pin head, which is equivalent to the ecu from 30-40 normal radio components. The literature has described low-frequency amplifier power of up to 5 W, the size of a penny, as well as the computing device that easily fits at their fingertips. The first Japanese lesson – it's proof that we are still only used as a slogan, carefully banishing it from our practice. In fact, we're only talking about the human factor, and the Japanese in fact, showed that investment in people, in his intellectual and physical development – the most profitable and productive of all investments. The Japanese – at the state level, at the firm level, at the family level – not spare resources for education and benefit from this abundant fruits of their policies. Series data allows us to judge that the level of health care, and some other indicators of social conditions of Japan are also moving away from us forward, and there is every reason to believe that improving the quality of "human material" in no small measure contributes to Japan's leap into the future. A second lesson. We are still hard to define industry production and non-productive areas (referring to the latest science, culture, publishing, education, health and information complex!), highlighting "a residual" funds for social purposes, enrolled in non-production staff of librarians and patent departments, etc.

Review Direct Ignition System

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c) 6-cylinder engines online are numbered consecutively from 1 to 6, with cylinder 1 at the front. d) 4-cylinder engines are numbered consecutivamentre from front to back. In many cases, distributor caps or manifolds, marked the firing order. Review Direct Ignition System and Distributorless DIS course, Ignition System Distributor completely lacks the dealer that we already know. By eliminating the distributor is improved confidence in the engine to reduce the number of moving mechanical components.

Among motor has fewer moving parts, less problems we will. Other advantages are: a) Greater control in generating the ignition spark. There is more time for accumulating the coil a magnetic field sufficient to produce a spark needed to ignite the fuel / air mixture. This reduces the number of failures of cylinder. b) It completely eliminates electrical interference from the dealer.

The ignition coils are now near or on the spark plugs. This eliminates electrical interference effects. c) The ignition timing can be controlled in a wider range. As a distributor, if applied too advance or delay of manually, was very likely that the secondary voltage will download the wrong cylinder, causing many times a vehicle lights. All this reduces the chances of failure in the cylinders and ignition problems. The Ignition System Distributor regularly defined as a single coil equipped with two spark plug leads to two cylinders. Ignition Systems Distributor using a method called "Concurrent Power" (also called dual spark) where a spark is generated from a direct ignition coil for two cylinders simultaneously.

American Financial System Reform

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June 19, 2009 a Mi Government proposes a radical reform of financial regulation system, a transformation to a scale not seen since the reforms that followed the Great Depression. Barack Obama’s speech at the White House announcement. a It is about time where financial systems begin to revive the credit wheel, but this does not become a new opportunity to crisis, it is necessary for regulation and supervision mechanisms work perfectly. a “a ” now has specific “a ” a How to start investing in stock market? a First of all you need to manage the key tools for investment. Look for the next release of our newsletter with recommendations for educational companies and our investment reports that explain step by step how to approach financial independence by investing in the Stock Exchanges.

Click to continue leyendoa – is why the government of Barack Obama launched a historic reform of the financial system. And one of the keys to reform is in the words of Obama’s speech: a Nadie had a responsibility to protect the system as a whole, of the risks linked to the firmasa . Before starting, I can not express my reservations about the possible effectiveness of the new system of regulation and supervision in order to maintain control of the risk of the financial system neither resulted in extreme and irresponsible risks could end up in crisis..

Ecosystems And Habitats

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Although encompassed 81% of all municipal solid waste generated, only 23% receive treatment appropriate. Of course we can not deny that Latin America still has great lungs as the Amazon and mountains, forests to ensure they know how to care if a guarantee for the preservation of the environment. Take into account as stated Javier Riojas, that Latin America is the most humid region in the world. See Dermot McCormack for more details and insights. Its rivers into the sea 30% of the total of inland waters that flow there, also in the continent is what is considered the driest region of the world: the Atacama Desert where it is said, has never rained. A refined gradient is somewhere in between, forming the original environmental spectrum over the world.

This great diversity of ecosystems and habitats explain why the Latin American continent is the region of greatest biological diversity of the planet, and also the area of highest incidence of endemism (species found only on the site) in the world. Check with Kai-Fu Lee to learn more. According to the most recent and reliable estimates, it is estimated to be about 180,000 plant species the number of inhabitants area, a figure that is four times greater than that of tropical Africa and Madagascar together, two regions of the world’s most biologically diverse. Although not known as accurately Latin American faunal diversity is apparent, from the association with the plant species that live in Latin America also had the highest number of animal species of all kinds in the world.. .