Banks Mortgage

Profession – a completely new for our country, and therefore had not developed any standards on which must be certified. " According to him, now – together with the Association of Banks – A program training mortgage brokers, and has already trained 120 professionals who work at the market of St. Petersburg and Leningrad region. Larger projects throughout the country was the establishment of the certified mortgage brokers ". The main objective of the organization – to form a complex range of training and support of highly qualified mortgage brokers. Association established a course of three stages of preparation brokers.

Upon completion of training at each level professionals are being tested, the results of which they handed over a certificate of professional match: NIB-1, NIB-2, or IRB-3. Obtaining a certificate the first qualifying stage of NIB-1 indicates the presence of a broker of adequate professional knowledge and skills to serve the "standard" mortgage borrower. Certificate format NIB-2 means a willingness broker to work with difficult clients. Finally, after successful completion of tertiary education CIB-3, a mortgage broker and his company acquire the right to offer its customers special credit products partner banks, which can be obtained only by "certified" broker. A dangerous profession development of credit relations required an increase in the state of professionals able to assess the risks associated with this activity. "Previously, the company employed one or two of these employees, but today are increasingly created entire divisions and departments for credit risks. This is due to the desire to prevent the growth of percent of loan defaults due to more thorough and detailed study of the history of the borrower, "- said Julia Vinci.

The Amounts

Again use a properly approved voucher of the previous year, by changing a number of date, etc. Use prepared invoices by oneself and falsification of approvals. Payment of false invoices, obtained in collusion with suppliers. Increase in the amounts of the invoices, in collusion with suppliers. Loads personal purchases, the company improperly using purchase orders. Invoiced goods for personal benefit, charged to fake accounts. Dispatch goods to the home of an employee or relative to your advantage. Fake inventories to cover theft.

Use advances for business expenses, charity staff. Unduly collect cheques payable in favour of the company. Forged endorsements of checks payable to suppliers. Insert in books leaves with accounts or fictitious amounts. Deliberately delay the reconciliation of the account of a client. Show sums wrong in the records of inputs and outputs box.

Deliberately confuse the seats in control and detail accounts. Make new leaves for the books in order to avoid manipulations are discovered. Not close the cash receipts book in due time. Selling surplus materials or disposal and pocketing the proceeds from the sale. Sell the use of keys business, winery or boxes for money. The combination of the safe or vault sell for money. Allow vendors sell into companies and apply for commissions payable to the employee. Ask the vendors write checks in their personal capacity and not on behalf of the company. Clone expense checks or payroll payment to achieve charge what alteration of data in invoices to collect a viatico wholesale. And how prevent this? Having a good control board inner with your proper auditor also a good code of ethics and culture for prevention of fraud, the internal control and fraud prevention is the responsibility of all employees of the company. Avoid fraud in corporations, fraud is the poison that comes to damage the moral life of the employees of the company, prevent the opportunity to having a good internal auditor.

Lepsien Art Foundation

Like every year the Lepsien Art Foundation has awarded this year again five scholarship courses for the international programme 2013/14 “emerging artists” in Dusseldorf. Like every year the Lepsien Art Foundation has awarded this year again five scholarship courses for the international programme 2013/14 “emerging artists” in Dusseldorf. The winners of the scholarship are 2013/14: – Julia Gerber (oil on canvas) 1983 born in Cologne, Germany, lives and works in Dusseldorf – Rimma Arslanov (sculpture, installation, drawing), born in 1978 in Tajikistan, lives and works in Tel-Aviv, Israel – born Benedikt Partenheimer (photography) in 1977 in Munich, lives and works in Berlin – Sean Lavelle (sculpture, installation) born in 1991 in UK, lives and works in London, UK – Mojtaba Amini (sculpture, Installation) 1979 born in Sabzevar, Iran, lives and works in the Iran detailed information you will find under: cms/front_content.php? idcat = 211 the tender for the delivery year 2013/14 It was marked by very many international applications, especially from regions and countries that were so far still not so strongly represented. So, the Lepsien Art Foundation this time reached a much larger number of applications from the Iran, the Iraq as well as Morocco, Tunisia, Israel, but also from southern Europe, such as Italy, France, Greece and Spain. Received many highly motivated and interesting applications from countries such as India, Pakistan, Thailand, China and Russia.

The Lepsien Art Foundation still from Germany received most of the applications. As well as in the past few years, the Foundation received a variety again applications from former graduates of the Art Academy of Dusseldorf. All other German art academies were also represented with many applicants. Overall, the Lepsien Art Foundation reached several hundred international applications. While the use of the newly introduced online application tool has proven itself.

This was by the artists very well accepted and used. According to Christian Lepsien (Chairman Lepsien Art Foundation), the high proportion of international applications is a positive witness to the intensive international work of in recent years. It’s to bring a special concern of artists from around the world but the Lepsien Art Foundation, embarrassed Exchange and build new bridges. Extraordinarily gifted and talented young artists from different countries and cultures, many different disciplines and styles, meet with the fellows in 2013/14. All will work together for the coming year in the art house in Dusseldorf. The programme 2013/14 is launched in September 2013, and runs until end of August 2014.

The Foundation

At least twelve years this cooperation proved for Birgit Frohlich proof that external management in the health care industry can successfully be applied: this model has a future especially in the health care industry, because the ownership structure will remain and know-how can be purchased from the outside. Just as far as the long, successful cooperation with companies in the health industry, Edmund Frohlich impressive references has: about a health clinic in feet or clinics of Mediclin AG, the Spessart clinic or a nursing home in Augsburg. Again and again is evident: not only the health economy enterprises complete conviction a management contract with Edmund Frohlich and his team. Private vocational schools or non-profit employment projects rely on the commitment and skill of these specialists. With many of our customers binds us to a long-standing, mutual appreciation-driven partnership, Birgit, and Edmund Frohlich, draw. Of course are in the Health care industry proper management contracts important but much more important are a harmonious human chemistry, confidence, and a positive, to the humanity-oriented view of mankind.

We are just the very committed. V.i.S.d.P. and your contact person: Edmund Frohlich c./o. Frohlich Management GmbH Ludwig-Rehn-Strasse 16 60596 Frankfurt am Main, Germany telephone: (01 51) 29 12 22 75 E-Mail: Internet: press contact: PR bee Reimund Bertrams, Kerstin Miehle Reisser 02306-85 prbiene.blogspot.com accompanied 07 92 or 0172-2799868 boiler plate / company profile the cheerful Management GmbH and advises companies primarily from the health care industry as well as the social and education. The Foundation goes back to the year 1997. The company is under the management of Birgit C.

Frohlich and Edmund Frohlich. The item field by cheerful management typically includes in particular the temporary or continuous acquisition of management tasks- the customer on the spot. This is a team of different professional orientations with some years experience available. The company is ethics and humanity alike committed such as economics and competition and then conducts his business.

HDT Meeting Towers

Trend to huge towers for wind turbines continues. Now everyone knows: great hub heights for wind energy installations increase the yield. Height limits and other restricting be increasingly questioned. Great hub heights open but also new stand cake like for locations in the forest. The dimensions of the towers of modern wind turbines are often aware, one standing in front of it. The foundations beneath the Earth are larger then again many times. Wear but also loads of some several hundred tons and that, at an altitude of 140 metres and more.

A secure frame, which is able to withstand the changing loads of storm, Frost and moisture, is it absolutely necessary. More and more wind turbines provide the experts in determining the load-bearing structures with new challenges. The importance of these issues reflects the 7th meeting towers and foundations for wind turbines on the 25th-26th February 2014 in the Haus der Technik in food again. The Conference provides expertise in the different constructions, building ground investigations and Foundation calculations. Special topics there are shells stability, evidence of fatigue and constructive details of connections. Both influences such as evidence for towers and foundations of wind Turbines be amended by updating the DIBt policy WT and presented during this event.

Even offshore structures and wooden constructions are treated at the meeting. A post about the logistics of constructing a tower is requested. The event will take place in cooperation with the Leibniz University of Hanover. The Conference is headed by Prof. Dr. Peter Schaumann from the Institute for steel construction of the Leibniz University of Hanover. For more information of technology e.V., Tel. get wife Hartwich, House 0201/1803-335, E-Mail: or on the Internet at W-H010-02-327-4 the General wind link is wind energy Dipl. – ing. Kai banks man

The Foundation

This makes it difficult the founders of course start tremendously, if is a priori clear, that it will be extremely difficult to win a suitable partner for the initial phase. ” Incentives motivate founder just in the idea stage the Fraunhofer scientists of the 66 institutions and facilities get to feel this development as well. At the same time, they benefit from the support measures offered by Fraunhofer venture for Fraunhofer employees. Over 200 companies from different fields of technology could be supported with the Foundation since 1999. The decisive factor here is realistically to assess the probability of success of an idea at the early stage and to propose the individually suitable measures. Thomas double Hall: the more intensively you had at the beginning exactly with the topics maturity of technology, scope of protection, engagement/availability of the founders, financing situation, establishment on the market and Realistic deals sales organization, the easier you can identify risks and countermeasures and contributing to the successful, sustainable establishment of the company in the market. Three success factors double Berger identifies this as a crucial prerequisite for the establishment of: first: A homogeneous team. So founders, who cover all necessary areas of the company, not only technology, but also business aspects such as marketing, sales, and finance.

Then of course the necessary capital to start the company and to make necessary investments. Thirdly a technology ideally patent-protected, as necessary and sustainable differentiator. This is true not only for the Fraunhofer-Gesellschaft, but for all research facilities from start-up strategy. There is less money in the market and the hurdles are so high like never early concrete planning, both technological and business issues, and networks from the outset a play greater role than ever before. The Foundation will according to the Fraunhofer venture experts Thomas double r is a decisive factor for a successful establishment. So in times of crisis, it applies to Fraunhofer venture, the scientists continue to motivate, to promote their establishment.

Stefan Morsch Foundation

More than 10,000 people annually suffer from this disease in Germany alone. When chemotherapy and radiation do not help, only one can Help stem cell transplantation. Through them, a new red system is implanted patients. To do this, the patient but needs a donor whose tissue characteristics correspond as far as possible with your own. Then searches for a genetic twin. More than 20 million people are registered in the bone marrow and Stammzellspenderdateien as the Stefan Morsch Foundation and yet it is still a fluke when a matching donor is found for a patient. Alexander G. is the appropriate genetic twin for an Australian patient.

He knows nothing about the woman whether she is young or old, whether she has children, is rich or poor. It doesn’t matter to him. In January 2012, the young soldier Stammzellzellen donates: with the transplantation of stem cells, the patient gets a new red system. These stem cells are located in the bone marrow. There are two ways to transfer them: the removal of bone marrow on the iliac Crest never from the spinal cord.

Or the collection of peripheral blood stem cells from the blood similar to how a Dialysis. To an endogenous neurotransmitter administered before the donor, which makes the stem cells from the bone marrow into the blood. Stem cells are then taken in a sampling station as in the Stefan Morsch Foundation. The marrow will decide the nature of the donation. The graft is then as soon as possible brought to the patients – whether in the United States, Flensburg or Australia. Because the transplants within 72 hours must be carried out after the removal. Alexander G. is at this time in Germany. He is supervised and accompanied up the removal by the Stefan Morsch Foundation. That everything was quite straightforward. If I can help, I help”, says Alexander G..

Regal Foundation System

All data is collected relating to the shelf, such as the environment or floor construction of the plant. A specification can contain also the requirements of the local authorities. The use of the shelf system according to its specification means only so to use it, as it is designed and intended for this special equipment. Internal security officer in any operation where there is to manage a warehouse, is a security officer. His name is known to give all employees so they know to whom they can turn if necessary. The safety loading on carrier’s contact person in all matters that relate to the rack system. The area of responsibility of the security officer starts at the instigation of regular training and continuing education for staff.

In addition, he managed the frequency and scope of inspections. He does this under consideration of various factors. He studied the shelves how often and in what form used, which goods are stored and what people with the systems work. All written documentation about the rack system are presented to the security officer and spotted him, and archived. Should repairs be necessary, it is his duty to instruct them. To complete these tasks, the security officer with the operations in the camp must be familiar, learn about suppliers, and get in contact with them. The safety officer must always watch all processes and if necessary initiate prevention measures to prevent danger or harm.

Responsibility of the user of the user is the person or company that operates the shelving system and managed. She must offer working conditions that avoid any damage of the shelf systems and minimize risks. The user’s responsibility extends to all employees, the during their work everyday in the vicinity of the Are storage facilities. He is responsible for ensuring a safe working with the system. To do this, the user should note the following points and check: compliance with national and local regulations (fire safety, escape routes, etc.) Mounting the storage facility at best allow to carry by the manufacturer; If installation by user: compliance with all instructions given by the supplier on installation and Assembly which plant personnel must be trained in use of funds and dealing with storage quality of the environment, drought, cleanliness, external influences must be consistent with specification of the rack system characteristics of the Regal Foundation: resistance and rigidity must be sufficient to withstand heavy loads.

Organizing Committee

In addition, the Pontiff has announced the proclamation of San Juan de Avila, landlord of the Spanish sacerdores, like doctor of the Church. In June of 1993, Benedicto XVI visited the cathedral for the first time when this was consecrated by the then Pope Juan Pablo II. Meeting with Rajoy and more acts After the misa, Benedicto XVI has met during fifteen minutes in the sacristy of the Cathedral of the Almudena with the president of the PP, Mariano Rajoy. One is third encounter that the leader of the opposition maintains with Santo Padre, after the contacts maintained in Valencia in 2006 and in Santiago de Compostela the past year. After this contact, it has been able to see itself Rajoy between the pilgrims, of some of which one has taken control photos.

The president of the PP has given to two Pope CD of Gregorian song of the Monastery of Silos with a special binding. In the previous visit from Benedicto XVI to Spain, the past month of November, Rajoy saluted to the Pontiff after the misa celebrated in the Place of the Obradoiro of Santiago de Compostela, and it did delivery to him of a virgin pilgrim, employer of Pontevedra. On the other hand, the Pontiff gave to the president of the PP and his a commemorative wife, Elvira Fernandez, medal and a rosary from that visit to Spain. More acts during afternoon After resting, the Extreme Pontiff maintained a meeting with the Organizing Committee of the JMJ. Shortly after, he has visited the Foundation San jOse Institute, where he has known close by this beneficial organization who works with disabled, old and ill terminals, among others. The day is concluding with a watch, that is taking place in the aerodrome of Four Winds, east scene Sunday of the misa of closing of the JMJ, and where it delivered a speech and it will begin a eucharistic doracin. It is predicted that the thousands of participants in the JMJ spend the night in Four Winds. Source of the news: The Pope, to the seminaristas: " You do not let yourselves intimidate by surroundings that it tries to exclude Dios"

Social Exclusion

The elaboration of these plans allowed the European Union to develop a more strategic and integrated approach in the matter of social inclusion. In this frame, Spanish state has impelled and approved the National Plan for the Social Inclusion and, although it was elaborated without the participation of the local governments, adopted the objectives of the Council of the European Union. In Catalonia, the Departament de Benestar i Family of the Catalan Autonomous Government was committed to reconvert the Plan of Fight against the Poverty and the Social Exclusion a Plan for the Social Inclusion with the social collaboration of the municipalities and other agents. Gain insight and clarity with Cancer Research Institute. In this sense the Plan of Action for the Social Inclusion in Catalonia presented/displayed in October of 2003. In the Spanish State several independent communities have approved their plans of inclusion.

Between those the city of Barcelona stands out by its participating plan strategic, where actions in scopes unfold very important competitions for the human development, social and productive of its citizenship. The MUNICIPAL PLAN OF BARCELONA the Municipal plan was constructed following the constant foundations in the description of social profiles of the city, I tend like basic strategic axis recognition of its reality for the collective construction of innovating solutions for its problems, focusing the human development and reduction of the inequalities. In his first part the plan does an approach of the reality, describing its inequalities and vulnerabilities. In the second part the plan points the commitments of the City council and the estructurantes policies of the citizenship in Barcelona. It presents/displays in aim the structure you services and the indicators of the policies that focus the fight against the poverty and the exclusion in Barcelona and its set of strategies of social inclusion in Barcelona. Finally are the mechanisms proposed for formulation in a great citizen agreement. This way, one has become of the participation and the transversality the vehicles of the process of development and efetivacin of governance 1 of proximity in Barcelona.