31/10/2009 · Kategori: yemek pasta

malzemeler:
1çay bardağı şeker
1 paket margarin
1 çay bardağı sıvı yağ
1 yumurta
2.5 bardak un
harcı:
6 elma
1 bardak ceviz
3 yemek kaşığı şeker
tarçın
yapılışı:
malzemeler karıştırılır .
hamur haline getirilir.
hamurun 1/4 'ü ayrılır.bu parça buzdolabına konur.
kalan hamur tepsiye yayılır.
üzerine hazırlanan harç dökülür.
buzdolabında sertleşen hamur çıkarılır.
rendelenir .harcın üzerine kapatır ,şekilde dökülür.
pembeleşinceye kadar pişer.
isteğe göre pudra şekeri dökülerek servis yapılır.
afiyet olsun.....

31/10/2009 · Kategori: orguler

31/10/2009 · Kategori: orguler

31/10/2009 · Kategori: teknoloji

VSEP Membrane Cleaners In addition to filtration systems, New Logic manufactures a complete line of chemical cleaners designed to maintain maximum flow rates in all VSEP applications.Years of exhaustive research and development by New Logic engineers have resulted in seven chemical cleaners formulated to attack the most stubborn foulants across a wide range of membranes and feed streams.While designed for VSEP membrane filtration systems, these advanced formulas are perfect for cleaning any membrane.To learn more about VSEP Advanced Cleaning Solutions, please choose a link below to visit our sister site

31/10/2009 · Kategori: seyehat

Shadyside Inn Suites is different. Your idea of staying in a hotel is about to change. Our suites are not typical hotel rooms. In fact we do not have rooms; we only offer suites. Why are we different? Your suite is a fully furnished apartment with the same amenities as a hotel located in a residential neighborhood. It’s not just any neighborhood, it's Shadyside, Pittsburgh’s most quaint, trendy, and upscale urban area. Picture Boston’s Newberry Street, or New York’s East Village and you will get an idea of what the Shadyside area is like.

Imagine having your own apartment in the best location in Pittsburgh for as little as a day or for as long as a lifetime. Shadyside Inn Suites is as flexible as you need. Only going to be here for a night? Why not have your own fully equipped apartment? Need somewhere to stay for a month while your house is renovated? Shadyside Inn Suites is your answer. Looking to attend the University for only nine months? Shadyside Inn Suites can accommodate. Think this is going to cost you more than a hotel? Not even close. Our rates are lower, our suites are double the size of any hotel in the area, our parking is free, and our location is unrivaled.

Our suites are located within a block or two of some of the best dining, entertainment, and shopping in Pittsburgh. At your door are 135+ shops, 15+ restaurants and some of the best nightlife in the area. Shop in small boutiques, visit your favorite national store, and dine on cuisines from all over the world. Shadyside living is unmatched.

Stay in Shadyside and still be approximately 4 miles from Downtown Pittsburgh and the Convention Center and less than 1 mile from the following hospitals: Presbyterian, Montefiore, Magee Women's, Falk Clinic, West Penn, Children's, Shadyside Hospital, and Western Psychiatric

Within 1 mile of the Shadyside Inn Suites is The Carnegie Museum of Art, The Museum of Natural History, The University of Pittsburgh, Carnegie Mellon University Chatham College, and Carlow College.

Besides coming for a visit, the best way to learn about our story is read what other people have said about us. Please click on the following links to read what the professionals have to say.

31/10/2009 · Kategori: seyehat

Pyramid Hotel Group LLC (Pyramid), a Boston-based hotel development, management and ownership firm, today announced that Mr. Davis Sezna has joined the firm as president of La Quinta Resort & Club(R) and PGA WEST (R). In his new role, Sezna is responsible for asset management and community relations for both Morgan Stanley Real Estate Fund assets.
consulting firm focused on restaurant, golf course, private club, hotel design, master planning and development. He has spent 35 years developing, owning and operating hotels, golf courses and restaurants. "Mr. Sezna's vast and wide-ranging set of experiences make him uniquely qualified for this critical role." states Richard M. Kelleher, chairman and chief executive officer of Pyramid. "He will be representing Morgan Stanley's and Pyramid's interests in the further development and enhancement of these two remarkable, one-of-a-kind assets. We're proud to have someone of his professional distinction on our team." "I am struck by the sense of place, history and community evident in both La Quinta Resort & Club and PGA West. It will be an honor to be associated with these magnificent resorts. I have never before seen facilities with more ingredients, texture and just pure sensory energy. The chance to be associated with Pyramid and Morgan Stanley was also a significant factor in my decision to take on this responsibility," stated Sezna. La Quinta Resort & Club and PGA West are owned by Morgan Stanley Real Estate Fund (MSREF) in partnership with Pyramid, as part of a portfolio of luxury resorts, recently acquired from CNL Hotels and Resorts, Inc. Morgan Stanley Real Estate Fund is comprised of three major global businesses: Investing, banking and lending. Since 1991, the company has acquired $135.9 billion of real estate assets world-wide and currently manages $68.0 billion in real estate assets on behalf of its clients. A complete range of market-leading investment banking services for real estate clients, include advice on strategy, mergers, acquisitions, restructurings, as well as underwriting public debt, private debt and equity financings. As a global leader in real estate lending, Morgan Stanley Real Estate Fund has offered approximately $156.0 billion of CMBS through capital markets since 1997, including $35.5 billion in 2006. For more information about Morgan Stanley Real Estate Fund, please visit www.morganstanley.com/realestate. Morgan Stanley (NYSE: MS) is a leading global financial services firm providing a wide range of investment banking securities, investment management and wealth management services. The Firms employees serve clients worldwide. Pyramid Hotel Group LLC, founded in 1999, is a full-service hotel company that owns, manages and asset manages hotels and hotel construction and renovation projects. For more information about the company and its affiliates, visit the company
Pyramid Hotel GroupJohn GreenSenior Vice President, Operations EastMr. Green brings over 30 years of hospitality experience to the Pyramid Hotel Group team. His ten year tenure with Wyndham International included five years as Area Director of Operations Northeast supervising as many as 19 hotels in Boston, New York City, Philadelphia and other domestic and international markets including Montreal, Toronto and Bermuda. General Manager assignments included opening the 4-diamond Wyndham Chicago and the Wyndham Myrtle Beach Oceanfront Golf Resort. Prior to Wyndham, Mr. Green was Vice President Operations for Signature Hospitality Resources and a Regional Vice President Operations for John Q. Hammons Hotels. During the 1980’s Mr. Green served with Doubletree Hotels as General Manager in Scottsdale, AZ, Overland Park, KS and Walnut Creek, CA. Larry VitaglianoSenior Vice President, Operations WestMr. Vitagliano spent 20 years with Doubletree, Hilton, and Promus Hotel companies as a general manager for hotels throughout the country. Property experience includes general manager positions at Doubletree Hotels in Seattle, Tysons Corner, Dallas, and Kansas City. He led the Antlers Doubletree Hotel in Colorado Springs from 1989 to 1995, and has now returned to the property under Pyramid's management. In addition to his general manager position at the Antlers Hilton Colorado Springs, Mr. Vitagliano oversees Pyramid's San Antonio, Texas hotel, the Crowne Plaza San Antonio Riverwalk.Alan BednowitzVice President, Sales & MarketingAlan Bednowitz is an accomplished sales and marketing executive with a track record of success at both the property- and corporate-level of hospitality organizations. For more than a decade he was affiliated with Promus Hotel Corporation (and its predecessor companies Doubletree and Guest Quarters), where he rose to the position of senior director, national sales. Prior to joining Pyramid Hotel Group, Mr. Bednowitz was vice president, sales and relationship management for StarCite, Inc., a meeting industry technology company.Edgar NugentVice President, Hotel AccountingMr. Nugent is a senior hospitality executive with more than 25 years of financial management experience. His 20-year tenure with Marriott Corporation took him from Texas to Panama to Saudi Arabia and Germany. Prior to joining Pyramid Hotel Group he was a partner in his own hospitality consulting firm, where he counseled hotel owners and investors seeking development support.Robert DiDucaVice President, Managing DirectorMr. DiDuca has 24 years experience in independent and franchised hotel operations including Marriott, Hilton, Doubletree, and Sheraton. He has also successfully transitioned more than 30 properties to new ownership and management including brand conversions. Renovation responsibilities consisting of over $40 million in project improvement have been executed. Mr. DiDuca, based in Boston, oversees hotels in the Northeast and Michigan and continues with Hotel Transitions.Harry GreenblattVice President, Managing DirectorMr. Greenblatt's nearly 30-year career began as a management trainee with Hyatt Hotel Corporation. Following a decade of food and beverage management experience, he switched to operations and began a lengthy association with Doubletree Hotels. During his 17 years with Doubletree Mr. Greenblatt was GM of the Doubletree Hotel Allen Center and Hotel Post Oak, both in Houston. Today he is general manager of the Houston Marriott Westchase with regional operations responsibility for Pyramid's additional Texas properties.Robert (Tico) Bevier, CHAVice President, Managing Director Mr. Bevier has 25 years of experience in the hospitality field, encompassing food and beverage, rooms, operations, and consulting. His affiliation with Pyramid began in 2003 when he consulted with the company on hotel acquisitions and transitions. His extensive hospitality career started with Hyatt Hotels; moving on to La Mansion Hotels; and then he spent 15 years with Hilton Hotels Corporation, mostly at the Doubletree Hotel New Orleans as General Manager. Immediately prior to joining Pyramid he was President of Expotel Hospitality Services for three years. Mr. Bevier remains in New Orleans with Pyramid, where he is responsible for the Maison Dupuy and the New Orleans Lakeside hotels.George McGannVice President, Managing DirectorGeorge McGann has over 25 years experience in the hotel industry, with over 10 years of this experience as a General Manager. He started his career in the food and beverage discipline, as a trainee for the Hyatt Corporation. Presently, George is General Manager of the Burbank Airport Marriott Hotel with regional responsibility for the Pleasanton Crowne Plaza (soon to be Marriott) and the Sonoma County Hilton. He joined Pyramid as the General Manger of the Crowne Plaza San Antonio Riverwalk Hotel. Prior to joining Pyramid Hotels, George was the General Manager/Complex General Manager for Starwood Hotels for over 7 years.Bruce CarltonArea Managing DirectorBruce has over 25 years of hotel experience holding various positions. After receiving his BSBA Hotel and Restaurant Management from the University of Denver, he completed the Corporate Management Trainee program with Hyatt. Most recently, Bruce was the GM at the Doubletree Hotel San Francisco Airport.Mark FallonArea Managing DirectorMark has over 25 years experience with both upscale independent and branded hotels. He managed the La Mansion Del Rio hotel in San Antonio, TX and then joined the team at Guest Quarters in Boston, MA Following his 11 year association with Guest Quarters, Doubletree, and then Promus, Mark was the opening General Manager at the Mystic Marriott Hotel in Mystic, CT and the Marriott Hartford Downtown at Adriaen's Landing in Hartford, CT. Prior to joining Pyramid, he was VP of Operations for Magna Hospitality Group

31/10/2009 · Kategori: teknoloji

The regulatory compliance landscape of the post-9/11 epoch is a far cry from the relatively unregulated context that preceded this major terrorist attack. The following article provides an overview of the major regulatory compliance laws implemented in its aftermath, and explores the KYC/AML and CFT compliance challenges faced by regulated financial service providers worldwide.

Why the need for regulatory compliance?

A succession of corporate scandals and terrorist attacks at the turn of the millennium revealed that criminals were exploiting numerous system loopholes to commit a broad range of financial crimes, including embezzlement, money laundering and fraud. Of much concern was the fact that the proceeds of these crimes were being used shadowy extremist figures to finance terrorism on an unprecedented scale.

Global political stability was being threatened by elusive forces, and the need to curb financial crime and the funding of terrorism became an international priority overnight.

Essentially, financial criminals’ ability to create bank accounts and transact under a false identities had to be curtailed, which called for a level of transactional monitoring and client due diligence unlike any required prior to 9/11. 

Regulatory compliance laws: the “Usual Suspects”

The USA PATRIOT Act of 2001 – the legislative benchmark informing all current regulatory compliance legislation in the USA, UK and further afield – included extensive regulatory requirements for banks, accountants, asset management houses, legal practitioners and other financial service providers in terms of client identity verification and Enhanced Due Diligence (EDD) procedures.

Some other well-known pieces of regulatory legislation informed by the USA Patriot Act include the Sarbaines-Oxley Act (SOX Act), the Health Insurance Portability and Accountability Act (HIPAA) and the Bank Secrecy Act (BSA), to name only a few.

Amendments to Know Your Customer (KYC) compliance legislation, and especially those pertaining to AML and ATF considerations, saw pre-2001 guidelines being turned into mandatory obligations. The introduction of the risk-based approach to due diligence, the enforcement of ongoing client and transactional filtering requirements and the increased scrutiny of Politically Exposed Persons (PEPs) were all hallmark features of this new compliance era.

Given impetus by laws such as the USA PATRIOT Act, the resulting class of cross-border regulation made Anti Money Laundering (AML), Know Your Customer (KYC), Advanced Due Diligence and Anti Funding of Terrorism (ATF) compliance mandatory, and extended the regulatory scope to include conveyancers, law firms, hedge fund companies and a host of formerly unregulated financial service providers.

This, for all its positive effects, has had far-reaching operational implications for regulated companies.

The costs associated with meeting compliance mandates using in-house infrastructure is staggering, and generally places a huge administrative burden on key resources within an organisation. These challenges would all contribute to the market demand for a one-stop compliance solution and a centralised risk intelligence database that would consistently outpace emerging regulatory requirements.

Regulatory compliance in the UK

The European Union Second Money Laundering Directive, also known as 2 MLD, was concerned with preventing the proceeds of crime from being laundered, the impending Third Money Laundering Directive focuses on the processing of funds before a crime or act of terror has been committed.  

In essence, the broader financial community’s compliance mandate now includes the mitigation of operational risks, while the advent of cost-effective global communication networks and regulatory infrastructure has made enforcement a reality. Other significant pieces of UK regulatory legislation include the Proceeds of Crime Act of 2002 (PoCA), and the Financial Services and Markets Act of 2000.

The JMLSG (Joint Money Laundering Steering Group), comprising several trade associations in the UK financial sector, supports enforcement agencies and publishes best practice guidelines for regulated companies. It also provides information that aids interpretation of UK AML legislation, and compliance to their guidelines has been made mandatory by HM Treasury. In practice, the ongoing expansion of regulatory requirements will see UK authorities implementing an even more rigorous enforcement regime to persecute non-compliant law firms, for example.

Businesses that have never made a disclosure regarding suspect activities are already being targeted, as the parameters of what constitutes money laundering are drawn so wide that not unearthing something suspicious is virtually impossible. As such, failure to notify the Serious Organised Crime Agency (SOCA) of suspicious activities or transactions is treated as a sign of non-compliance.

It is worthwhile noting that much of the UK’s regulatory compliance legislation is informed by European compliance legislation.

European Union (EU) AML legislation

The impending EU Third Money Laundering Directive, which builds on the stipulations of the Second Money Laundering Directive, expands the scope of industries being regulated, and requires companies not only to implement a Client Identification Programme (CIP), but also to keep electronic records of ongoing due diligence and transactional filtering. Adopted in 2005, this directive afforded companies a grace period of two years to fulfil their compliance responsibilities.

As such, regulated companies will need to prioritise the implementation of effective compliance processes as a matter of urgency during 2007. 

Regulatory compliance in the USA

THE USA PATRIOT Act (2001) included the Financial Anti-Terrorism Act, a bill aimed at increasing the US Federal Government’s ability to control and monitor financial criminals internationally. Significantly, it made the implementation of an Anti Money Laundering programme compulsory for all financial institutions. 

Entities such as the Financial Crimes Enforcement Network (FinCEN), an initiative by the US Department of the Treasury, is one numerous big agencies fighting money laundering in the United States and further afield.

Leveraging the enforcement provisions of the USA PATRIOT Act in implementing US-specific legislation such as the Bank Secrecy Act (also known as the Currency and Foreign Transactions Reporting Act or BSA), FinCEN ensures that financial institutions in the USA assist government agencies in the detection and prevention of fraud and money laundering.

Although the BSA has been effective since 1970, subsequent amendments have significantly increased regulatory agencies’ enforcement powers. Title III of the USA PATRIOT Act – the International Money Laundering Abatement and Anti-Terrorist Financing Active of 2001 – for example, is a case in point. It expanded the BSA’s requirements, and made detailed record-keeping and reporting of underlying transactions and beneficial ownership of accounts mandatory.

Other benchmark regulatory compliance laws included Federal Information Security Management Act of 2002 (FISMA), Gramm-Leach-Bliley Act (GLBA) and Health Insurance Portability and Accountability Act (HIPAA ).

AML and CTF Compliance: Implications for banks and financial institutions

The above-mentioned laws have formed the foundation for the regulation of banks, asset management houses, lending companies and related financial services providers. Non-compliant institutions face severe financial penalties. Yet as the Riggs case had shown, the dangers of non-compliance doesn’t stop at financial penalties: the reputation damage resulting from the financial scandal this US bank had been embroiled in sent its share price plummeting, and effectively caused the demise of one of America’s top banks.

KYC Compliance: Implications for law firms

US attorney Lynn Stewart’s controversial legal representation of Sheik Abdel-Rahman saw her convicted on charges of providing material support for a terrorist conspiracy, and for defrauding the US government during 2005.

“Knowing Your Customer” through an effective Customer Identification Programme (CIP) has become vital, not only for keeping your law firm’s reputation intact, but also to avoid legal prosecution. Effective Enhanced Due Diligence (EDD) and ongoing transactional filtering has become as critical for law firms and private legal practitioners as it is for banks and other financial institutions.

It is also important to note that financial institutions face compliance risks in dealing with law firms, as legal practitioners may be acting on behalf of heightened-risk clients.

A comprehensive solution for regulatory compliance

World-Check, the world’s leading provider of highly structured risk intelligence, offers banks, asset management companies, law firms, accounting houses and related financial service providers a one-stop solution for meeting their regulatory compliance requirements.

World-Check comprises the Data-File (flat file), as well as an Online Service and Passport-Check facility gives companies the ability to do on-the-spot checks, or filter entire client bases automatically.

Featuring a database of hundreds of thousands of heightened-risk persons and entities across risk variables ranging from money laundering and fraud to organised international terrorism funding, it is the compliance solution of choice for 47 of the worlds 50 largest banks. Significantly, 18 of Europe’s top 20 banks and 9 of the top 10 banks in the US are ongoing World-Check clients.

Read more about World-Check, and find out how this risk mitigation solution can help your institution achieve compliance, or learn more about regulatory compliance legislation

21/10/2009 · Kategori: GIZLILIKPOLITIKASI

Ziyaretçilerimizin gizlilik ile ilgili hassasiyetleri, http://huzurnerede.blogcu.com için önemlidir.

http://huzurnerede.blogcu.com  olarak, gizlilik ilkelerimizi açık ve sıradan bir internet kullanıcısının anlayabildiği bir şekilde ortaya koymak istemekteyiz.http://huzurnerede.blogcu.com gizlilik politikası hakkında bilgi bulunmaktadır.

http://huzurnerede.blogcu.com'da yer alan bağlantılar üzerinden ulaşabileceğiniz internet sitelerinin her birinin, kendilerine özgü ve kendilerini bağlayan gizlilik politikaları vardır ve bu sayfada ele alınan gizlilik ilkeleri, bu sitelerde geçerli değildir. , ziyaret ettiğiniz her sitenin gizlilik politikasını incelemenizi ve sizinle ilgili hangi bilgilerin toplandığını irdelemenizi önermektedir.

Adsense Reklamları ve DoubleClick DART:

http://huzurnerede.blogcu.com ’u ziyaret ettiğiniz zamanlarda reklam hizmeti vermek için üçüncü taraf reklam şirketlerini kullanmaktayız. Söz konusu şirketler, bu sitelere ve diğer web sitelerine yaptığınız ziyaretlerden elde ettikleri (adınız, adresiniz, e-posta adresiniz veya telefon numaranız dışındaki) bilgileri ilginizi çekecek ürün ve hizmetlerin reklamını size göstermek için kullanabilir.

DoubleClick DART çerezi nedir?

DoubleClick DART çerezi, Google tarafından İçerik için AdSense reklamlarının görüntülendiği yayıncı web sitelerinde sunulan reklamlarda kullanılır. Kullanıcılar bir AdSense yayıncısının web sitesini ziyaret ettiğinde ve bir reklamı görüntülediğinde ya da tıkladığında, son kullanıcının tarayıcısına bir çerez bırakılabilir. Bu çerezlerle toplanan veriler, AdSense yayıncılarının, sitelerinde ve web'de daha etkili bir şekilde reklam sunmasına ve yönetmesine yardımcı olmak için kullanılır.

·         Üçüncü taraf satıcı olarak Google, sitemizde reklam yayınlamak için çerezlerden yararlanmaktadır.

·         Google, DART çerezlerini kullanarak ziyaretçilerimize, sitemize ve İnternet'teki diğer sitelere yaptıkları ziyaretlere dayalı reklamlar sunmaktadır.

·         Kullanıcılar, Google reklam ve içerik ağı gizlilik politikasını ziyaret ederek DART çerezinin kullanılmasını engelleyebilmektedir.

Bağlantı sağlanan siteler:

http://huzurnerede.blogcu.com'un bağlantı sağladığı sitelerin içeriği ile herhangi bir yükümlülüğü yoktur ve http://huzurnerede.blogcu.com gizlilik politikası, bağlantı sağladığı internet sitelerini bağlamaz. Sizlere, ziyaret ettiğiniz tüm sitelerin gizlilik politikalarını okumanızı öneririz.

Değişiklikler:

Bu sayfada okumakta olduğunuz http://huzurnerede.blogcu.com  gizlilik politikaları zaman içerisinde değişebilir. Bu sayfayı zaman zaman ziyaret ederek  http://huzurnerede.blogcu.com gizlilik politikasının güncel durumunu öğrenebilirsiniz

17/10/2009 · Kategori: finans

In een kort overzicht vind u hier de verschillende leenvormen. Voor de alle duidelijkheid staan hier de verschillen in het kort opgesomd.
RekenvoorbeeldDe familie De Vries wil een lening aanvragen voor de verbouwing van de badkamer. Voor deze verbouwing willen ze € 5000,00 lenen. De familie De Vries wil zekerheid wat betreft de maandelijkse rente en wil tussentijds geen geld meer opnemen. Ze kiezen daarom voor een persoonlijke lening.
Jan en Anita willen meer financiële bestedingsruimte. Tussentijds willen ze geld kunnen opnemen. Wanneer er meer geld beschikbaar is, willen ze ook de mogelijkheid hebben om meer af te lossen. Ze kiezen voor een doorlopend krediet.

Lening vormen
Doorlopend kredietWat is een doorlopend krediet?Een doorlopend krediet is er om over langere periode meer bestedingsruimte te hebben. U mag steeds geld opnemen tot aan de kredietlimiet, maar u mag ook minder opnemen.
Tussentijds mag er altijd zonder boete worden afgelost. Dit krediet is handig wanneer u nog niet exact weet hoeveel geld u nodig heeft of wanneer u het geld nodig heeft. U betaald elke maand een vast bedrag aan rente en aflossing.
Voordelen:- Alleen rente betalen over het opgenomen bedrag- Tussentijds extra geld aflossen (boetevrij)- Meestal een eigen bankpas
Oversluiten van een doorlopend krediet:U heeft een lening of misschien wel meerdere leningen lopen. Het is dan vaak voordeliger om uw huidige krediet(en) over te sluiten. In plaats van verschillende afschriften, komt alles dan op één handig overzicht.
Tussentijds een extra krediet afsluiten:Wanneer u geen achterstand hebt opgelopen met betalen en uw financiële situatie laat het toe, is het mogelijk om een nieuwe lening af te sluiten voordat de vorige is afgelopen. Een deel van het bedrag dat u leent, wordt dan gebruikt voor de aflossing van de vorige overeenkomst(en).
Verhogen doorlopend kredietHet kan voorkomen dat naast uw doorlopend krediet nog behoefte is aan een extra financiële reserve. U kunt er dan voor kiezen om het bestaande krediet open te breken en vervolgens uw krediet te verhogen.
Persoonlijke lening
Wat is een persoonlijke leningBij de persoonlijke lening krijgt u in één keer de beschikking over het geleende bedrag. Wanneer u een persoonlijke lening afsluit, weet u precies wanneer de lening eindigt. U spreekt namelijk van tevoren een looptijd af. Zo spreekt u bij een persoonlijk krediet eenmalig een leenbedrag en een looptijd af. U krijgt dit bedrag in één keer op uw rekening gestort. Vervolgens betaald u maandelijks een vast bedrag aan rente en aflossing. In tijden van rentestijgingen biedt een persoonlijk krediet u zekerheid, want uw rente blijft ongewijzigd! Zo weet u precies waar u aan toe bent.Bent u van plan een nieuwe auto of caravan te kopen? Of wordt het tijd voor nieuwe meubels? Wellicht heeft u hiervoor gespaard, maar is het genoeg? Wanneer u extra geld nodig heeft, maar graag overzicht houdt in uw financiën, is een persoonlijke lening voor u een oplossing!
Voordelen:- Uitbetaling direct ineens- Vast rentepercentage- Vast maandbedrag- Vaste looptijd
Vaste renteWanneer de rente stijgt is een persoonlijke lening ideaal. Mocht de rente stijgen, dan heeft dit geen enkele invloed op de persoonlijke lening. Deze rente blijft ongewijzigd.
Stel u koopt een auto. Bij een persoonlijke lening spreekt u van tevoren af wat de looptijd van de lening is. U kunt deze lening bijvoorbeeld afstemmen op de levensduur van uw auto. Hierdoor voorkomt u dat de auto al is afgeschreven, maar u nog steeds moet betalen aan uw persoonlijke lening.

Spaarkrediet
Een spaarkrediet is een doorlopend krediet, gekoppeld aan een kapitaalverzekering.
Doorgaans betaald u voor een doorlopend krediet maandelijks een bedrag aan rente en aflossing. Bij een spaarkrediet betaald u echter alleen rente, die wordt berekend over het bedrag dat u heeft opgenomen. Gedurende de gehele looptijd kunt u tot uw kredietlimiet bedragen blijven opnemen.Daarnaast betaald u een maandelijkse premie voor een kapitaalverzekering.Met deze verzekering kunt u een kapitaal opbouwen om de lening af te lossen.Dit gebeurt met een kapitaalverzekering bij een gerenommeerde verzekeringsmaatschappij. De uitkering is gelijk aan de eindwaarde van de participaties en dus afhankelijk van de koersontwikkeling.
Rentekrediet
Een rentekrediet is een leenvorm voor particulieren die veel lijkt op een doorlopend krediet. Het grootste verschil is dat men bij een rentekrediet niet verplicht wordt om maandelijks af te lossen. Daardoor is het rentekrediet de leenvorm met de laagste maandlast. Deze leenvorm wordt ook vaak gebruikt om geld achter de hand te hebben, zoals bij een verbouwing of restauratie van bijvoorbeeld een oldtimer of ander duur verzamelobject. De looptijd van een rentekrediet is in principe oneindig. U lost immers niets af en betaald alleen rente. Ingezetenen van Nederland van 18 tot 65 jaar met een vast inkomen, wat niet mag bestaan uit een uitkering van de sociale dienst of de WW, kunnen in aanmerking komen voor een rentekrediet.
Moneyweb.nl is in het leven geroepen om als bemiddelaar in geldkredieten informatie te geven aan consumenten op het gebied van hypotheken en leningen. Hierbij wil Moneyweb.nl de consument helpen juiste en verantwoorde keuzes te maken bij het afsluiten van een lening of hypotheek.
Wij worden beloond door aanbieders op basis van doorlopende provisie voor wat betreft consumptief krediet en uit een mix van afsluit- en doorlopende provisie betreffende hypotheken en verzekeringsproducten. Bij eventuele klachten kunt u ons een brief sturen ter attentie van de Directie. Voor onverhoopte geschillen zijn wij aangesloten bij Klachteninstituut Financiële Dienstverlening.Moneyweb in English

14/10/2009 · Kategori: finans

Automated scheduling of Avaloq Banking System (ABS) and enterprise systems with UC4 Workload Automation Suite

VIENNA, February 3, 2009 – UC4 Software, a leading global provider of workload automation, job scheduling and IT process optimization solutions, today announced the certification of UC4 Workload Automation Suite for use with the Avaloq Banking System (ABS) version 2.6. The companies have also signed a partnership agreement that will enhance Avaloq to refer customers requiring a complementary scheduling and automation solution to UC4 Software.

“The certification of the UC4 adapter enables organisations to utilise a complementary technology that has been successfully tested and validated against our Model Bank environment,” said Adrian Bult, COO, Avaloq Evolution AG. “Joint customers will be able to increase the return on their existing technology investments leveraging a solution that interfaces directly with the Avaloq Banking System.”

Avaloq solutions are changing the IT landscapes within private and retail banks in Switzerland, Germany, Liechtenstein, Luxembourg, Singapore, Hong Kong and other markets. With UC4 Workload Automation Suite enterprises remove manual intervention, reduce latency and mitigate risk from their end-to-end business processes. The UC4 Business Integration for Avaloq communicates directly with ABS through application interfaces, allowing customers to extend the automated scheduling of their core banking systems and integrate with external applications.

UC4 Workload Automation Suite can manage back-end processing for ABS and all other surrounding systems that many finance institutes rely on. Avaloq users receive regular software updates which support banks in remaining compliant with industry regulations. When utilizing additional tools it is important that Avaloq users work with solutions that are compatible and certified for use with Avaloq. This reduces maintenance and support issues and allows joint customers to benefit from the enterprise wide visibility and control provided by UC4.

“It gives UC4 great pleasure to extend its relationship with Avaloq,” said Cesare Capobianco, chief executive officer, UC4 Software. “We have benefited from an excellent working partnership working towards receiving this certification. It has allowed us to develop an interface that is compliant with Avaloq’s technical specifications, which also delivers measurable business value to our joint customers.”

About Avaloq
The Avaloq Group, with branches in Luxembourg and Singapore, is the Swiss market leader in the field of standard banking software. For over a decade, the Swiss company has been developing and marketing the Avaloq Banking System. It is trusted by leading financial service providers in private, retail and universal banking in international financial centres around the globe. A network of specialists with first-class partners in the areas of implementation, software, service and technology enables Avaloq to offer its clients a comprehensive all-in-one solution – a modular, innovative and integrated standard software for the financial sector. Avaloq is owned by its management and employees.

About UC4 Software
UC4 Software is a leading global provider of workload automation, job scheduling and IT process optimization solutions that ensure core business processes and enterprise information systems run faster, more accurately and without interruption. More than 1,600 companies worldwide have successfully enhanced application processing performance and improved IT efficiency using UC4’s business acceleration solutions. Customers include American Suzuki Motor Corporation, Cadbury, eBay, Eastman Kodak, General Electric, Mattel, McGraw Hill, Panasonic, Robert Bosch, Sun Microsystems, Symantec, T-Systems and Verizon