Thursday, December 18, 2008

Plaid Clear Acrylic Sealer Review

rapid Findomestic

Credito rapido con Findomestic
A partire da 1000 euro , con una gestione Quick response and feasibility of the loan immediately online, without charge to investigate the practice, funding of up to 100%.

leave from 1000 but there's also, for example, for a small loan property to 30000 € . In this case you can choose to pay with 120 rate to € 363.70 per installment with TAN 7.98% and 8.28% APR (the example does not include the cost of insurance, check the conditions, may vary).

funding can be customized on the website is a useful and immediate tool "calculate the rate and ask the loan .

Plaid Clear Acrylic Sealer Review

rapid Findomestic

Credito rapido con Findomestic
A partire da 1000 euro , con una gestione Quick response and feasibility of the loan immediately online, without charge to investigate the practice, funding of up to 100%.

leave from 1000 but there's also, for example, for a small loan property to 30000 € . In this case you can choose to pay with 120 rate to € 363.70 per installment with TAN 7.98% and 8.28% APR (the example does not include the cost of insurance, check the conditions, may vary).

funding can be customized on the website is a useful and immediate tool "calculate the rate and ask the loan .

Tuesday, December 2, 2008

Difference Ingrown Hair Herpes

Cofidis. From 1000 to 15000 €. How to save on installment

Two solutions from Cofidis, as needed: loan battery (up to 5,000 € with reimbursements from 30 € ) and personal loans ( from 6,000 € to 15,000 € ). By filling in the online response is very fast. You can request up to € 15,000 and receive a customized proposal for you.

Cofidis is a leading international financial group credit line and telephone with more than eleven million customers across Europe . He has many years of Internet experience and attention to the development of technologies that improve the user experience. E 'in 9 countries.

Difference Ingrown Hair Herpes

Cofidis. From 1000 to 15000 €. How to save on installment

Two solutions from Cofidis, as needed: loan battery (up to 5,000 € with reimbursements from 30 € ) and personal loans ( from 6,000 € to 15,000 € ). By filling in the online response is very fast. You can request up to € 15,000 and receive a customized proposal for you.

Cofidis is a leading international financial group credit line and telephone with more than eleven million customers across Europe . He has many years of Internet experience and attention to the development of technologies that improve the user experience. E 'in 9 countries.

Sunday, November 9, 2008

Denise Milani Vs Wendy



To solve the problems for the payment of installments, often those with a debt and fails to look for new money to pay . Resolves in the short term but the problem worsens their debts monthly. It is not always necessary, however, turn on other lines of credit, and often would be worthwhile to look for other solutions. Maybe copying what is done with mortgages in many where to save, assess ways of replacing or subrogation . And 'it can also review their loan, making it more convenient and saving . The first step should be to make a examination of its financial capacity to understand What are the room for maneuver. In a second step may also consider the consolidation of their debts . Very useful to seek the best proposal to make a replacement maybe could lead to a halving of the rate .

Denise Milani Vs Wendy



To solve the problems for the payment of installments, often those with a debt and fails to look for new money to pay . Resolves in the short term but the problem worsens their debts monthly. It is not always necessary, however, turn on other lines of credit, and often would be worthwhile to look for other solutions. Maybe copying what is done with mortgages in many where to save, assess ways of replacing or subrogation . And 'it can also review their loan, making it more convenient and saving . The first step should be to make a examination of its financial capacity to understand What are the room for maneuver. In a second step may also consider the consolidation of their debts . Very useful to seek the best proposal to make a replacement maybe could lead to a halving of the rate .

Wednesday, November 5, 2008

Officejet G85 Service Manual Free

Examination of its financial capacity

Before borrow may be useful to examine in a scientific way of its financial capacity. A free online service , monitorata.it , you can analyze the position of staff in a very detailed and provide interesting answers. The service is offered by
Assofin, the Italian association of consumer credit and real estate. Free.
After answering a few questions, will provide an assessment of solvency and ability to borrow .
Monitor was designed by researchers at the PhD in Banking and Finance, University of Rome Tor Vergata

Officejet G85 Service Manual Free

Examination of its financial capacity

Before borrow may be useful to examine in a scientific way of its financial capacity. A free online service , monitorata.it , you can analyze the position of staff in a very detailed and provide interesting answers. The service is offered by
Assofin, the Italian association of consumer credit and real estate. Free.
After answering a few questions, will provide an assessment of solvency and ability to borrow .
Monitor was designed by researchers at the PhD in Banking and Finance, University of Rome Tor Vergata

Monday, November 3, 2008

Wbc In Pernicious Anaemia

Halving the rate with replacement - from 500 to 1000 € 5000 €

A solution that allows the reduction of installment of the loan, after that of debt consolidation is that of replacement. With this you can reduce your monthly debts (significantly, also 55%) and can get even more cash available .
In the case of two loans, and home renovation loan to buy this car , with the replacement the rate may also change from 1000 € to 500 € .

Wbc In Pernicious Anaemia

Halving the rate with replacement - from 500 to 1000 € 5000 €

A solution that allows the reduction of installment of the loan, after that of debt consolidation is that of replacement. With this you can reduce your monthly debts (significantly, also 55%) and can get even more cash available .
In the case of two loans, and home renovation loan to buy this car , with the replacement the rate may also change from 1000 € to 500 € .

Thursday, October 30, 2008

Draw The Lewis Diagrams For Clf2and Clf2-.



If you are looking for a quick fix and the amount you need is not high nor too low then this solution is very suitable and allows a flexible use of loan, the payment is proportionate, the service is fast and efficient, no wasted time. The easiest way is surely to proceed with the first contact from the Internet.

Here are three possibilities, depending on the extent of the amount requested, small, medium or large:
Updated: was reported 's latest for families who wanted a son. The idea was that of a government loan of 5000 € at a subsidized rate of 4% for newborns. The initiative, aimed at supporting families to help during these months of crisis, did not find any time to materialize.

Draw The Lewis Diagrams For Clf2and Clf2-.



If you are looking for a quick fix and the amount you need is not high nor too low then this solution is very suitable and allows a flexible use of loan, the payment is proportionate, the service is fast and efficient, no wasted time. The easiest way is surely to proceed with the first contact from the Internet.

Here are three possibilities, depending on the extent of the amount requested, small, medium or large:
Updated: was reported 's latest for families who wanted a son. The idea was that of a government loan of 5000 € at a subsidized rate of 4% for newborns. The initiative, aimed at supporting families to help during these months of crisis, did not find any time to materialize.

Wednesday, October 29, 2008

Prolapsed Bladder What Sort Of Operation (n.z. )

Loan Consolidation Debts

too early in the course? To simplify, you can merged under the credit line. Almost always possible to obtain more favorable terms, an installment lighter, longer life .

closing the previous loans is often possible to obtain additional liquidity with the convenience of having a single reference .

In many cases, an example for a debt restructuring will be added over time another personal loan, perhaps with a revolving credit card, only to complicate rather than simplify them. By consolidating the two debts, even after some time, most likely will get a total conditions more favorable.

Prolapsed Bladder What Sort Of Operation (n.z. )

Loan Consolidation Debts

too early in the course? To simplify, you can merged under the credit line. Almost always possible to obtain more favorable terms, an installment lighter, longer life .

closing the previous loans is often possible to obtain additional liquidity with the convenience of having a single reference .

In many cases, an example for a debt restructuring will be added over time another personal loan, perhaps with a revolving credit card, only to complicate rather than simplify them. By consolidating the two debts, even after some time, most likely will get a total conditions more favorable.

Tuesday, October 28, 2008

Antibiotics Clear Urine

cards revolving

The revolving credit cards are essentially credit cards . A tool that allows repayment by monthly installments. The rate may be variable, from a minimum amount. The client has a reserve of money with which to make purchases and withdrawals.
A problem of this type of cards, which are very comfortable, is the high rate of interest charged, up to 20%. For example, for 2500 € credit on a revolving credit card , providing a refund rate from 50 € per month for nine years, the loan will have a cost of € 2900 of interest.
The big advantage is for the possibility of charging the paper and return the loan, the card is recharged automatically.


How to get the paper to receive the card quickly enough to go on site Findomestic, on this page and read the latest information available on the site.

Other solutions:

Antibiotics Clear Urine

cards revolving

The revolving credit cards are essentially credit cards . A tool that allows repayment by monthly installments. The rate may be variable, from a minimum amount. The client has a reserve of money with which to make purchases and withdrawals.
A problem of this type of cards, which are very comfortable, is the high rate of interest charged, up to 20%. For example, for 2500 € credit on a revolving credit card , providing a refund rate from 50 € per month for nine years, the loan will have a cost of € 2900 of interest.
The big advantage is for the possibility of charging the paper and return the loan, the card is recharged automatically.


How to get the paper to receive the card quickly enough to go on site Findomestic, on this page and read the latest information available on the site.

Other solutions:

Brazilian Store Ottawa

Education, health, protests and federalism

It was so mentally prepared that this action, born of various discussions of a table with their parents, out with my baby and friends, and finally to the famous snacks of the freedom of weekend, and as you can see the title already contains a lot of things!

The truth is that these days of protests by students fuoricorso / slackers (the most: just look how old they are the "leaders" of "rebellion") e professori ex-sessantottini mi hanno fatto venire voglia di approfondire il tema delle risorse della scuola e dell'università, chiedendomi se davvvero almeno una parte di ragione ce l'abbiano.
Così ho cominciato un po' ad informarmi, ho letto i passaggi della legge, seguito vari dibattiti, parlato con Iside (che fa la ricercatrice e quindi l'università la conosce bene), arrivando alla conclusione paradossale che entrambe le parti hanno ragione: ha ragione la Gelmini a dire che nella scuola/università esistono una marea di sprechi (posso citare la famigerata ploriferazione di corsi di laurea e sedi universitarie distaccate con un solo allievo !); hanno ragione (su alcune cose) gli studenti/ricercatori a dire that the cuts eventually have an effect on them - "weak links" of the system and no special "guard", if not used - without ever touching the equally notorious "barons" who regularly get along forever.

Why? Perhaps for lack of sufficient "balls" by the various ministers - including Gelmini that Dominae nature, does not possess certain attributes - probably for lack of knowledge of the true power dynamics of internal structures lobbing Italian training. Structures where the feudal homage to the still-in-Chief Department and where the administrative machinery that has a hierarchical power over the technical-teaching to be humiliated over and over again in the worst ways.
It 'clear that a person, even armed with good will, but not versed in the logic of power of those environments, can never produce a decent and permanent reform of university-school system.

Then there is the perennial problem of the cuts - painful but necessary - but am always faced the eternal dilemma of where to cut? ", Which always leads to unhappy people, as all recipients of the" sheared "will feel more or less precisely "persecuted."

Here is where the crux of the matter. Always in Italy, when you touch some areas, it always feels an echo of "revenge" (political, personal, class), and this happens for the lack of an objective criterion - I meant "scientific" - to assess virtuous and vicious, now increasingly replaced by sentimentum of the legislature that, almost blindly, issue "judgments" and impose punishments lifetime.

E 'where you begin to understand why the title of this posting.
Because I think it's humanly impossible for a minister to know the reality of each school / university Italian, the only reasonable solution that comes to mind is that the application of a healthy, robust and conclusive Federalism: you say " what does? ", but read and understand.

Given that the Italian State - As other European and Western - has scarce resources (and is decreasing), we can easily understand how it can not continue to keep their money with all the current system of universities and schools, especially those most disadvantaged (in mountain, country villages, etc.)..
On the other hand is wrong, too close to schools and universities in order, precisely because they hardly understood by the communities concerned, that the righteous cry "persecution" against them.

The solution may come from the famous objective criterion above. We establish
1-2-3 scientific parameters that measure the quality of teaching, research productivity and cost management; then establish the national standard not respecting which the central government has the right and duty to stop publicly funded schools and central state universities. structures that - internal inefficiencies or chronic structural - not covered by the standard can choose between two options:
  1. close cabin and puppets, but this time with a justification for all the same, and not attributable to "revenge" and "conspiracies"
  2. remain open through a tax increase (or those enrollment / attendance or those directly paid by the citizens of the community where the structure "critical" pertains).

I am sure that with a system like this not only would avoid a lot of logic that we see these days - because it is more difficult to try to deny the sheer numbers than a personal decision of a minister - but I also believe that many structures, chronically loss-making today and in crisis, rebound, spurred by the "sword of Damocles" of the parameters: a sort of Stability Pact of the public on the model of Maastricht.

you'll wonder why the title also includes health care. Very simple: lo stesso criterio si potrebbe benissimo applicare al Sistema Sanitario Nazionale con - ritengo - ottimi risultati in pochissimi anni. Ma di questo parlerò (se avrò voglia) un'altra volta...

Un caro saluto a tutti i pochi sbandati che leggeranno!

Lord tojo

Brazilian Store Ottawa

Education, health, protests and federalism

It was so mentally prepared that this action, born of various discussions of a table with their parents, out with my baby and friends, and finally to the famous snacks of the freedom of weekend, and as you can see the title already contains a lot of things!

The truth is that these days of protests by students fuoricorso / slackers (the most: just look how old they are the "leaders" of "rebellion") e professori ex-sessantottini mi hanno fatto venire voglia di approfondire il tema delle risorse della scuola e dell'università, chiedendomi se davvvero almeno una parte di ragione ce l'abbiano.
Così ho cominciato un po' ad informarmi, ho letto i passaggi della legge, seguito vari dibattiti, parlato con Iside (che fa la ricercatrice e quindi l'università la conosce bene), arrivando alla conclusione paradossale che entrambe le parti hanno ragione: ha ragione la Gelmini a dire che nella scuola/università esistono una marea di sprechi (posso citare la famigerata ploriferazione di corsi di laurea e sedi universitarie distaccate con un solo allievo !); hanno ragione (su alcune cose) gli studenti/ricercatori a dire that the cuts eventually have an effect on them - "weak links" of the system and no special "guard", if not used - without ever touching the equally notorious "barons" who regularly get along forever.

Why? Perhaps for lack of sufficient "balls" by the various ministers - including Gelmini that Dominae nature, does not possess certain attributes - probably for lack of knowledge of the true power dynamics of internal structures lobbing Italian training. Structures where the feudal homage to the still-in-Chief Department and where the administrative machinery that has a hierarchical power over the technical-teaching to be humiliated over and over again in the worst ways.
It 'clear that a person, even armed with good will, but not versed in the logic of power of those environments, can never produce a decent and permanent reform of university-school system.

Then there is the perennial problem of the cuts - painful but necessary - but am always faced the eternal dilemma of where to cut? ", Which always leads to unhappy people, as all recipients of the" sheared "will feel more or less precisely "persecuted."

Here is where the crux of the matter. Always in Italy, when you touch some areas, it always feels an echo of "revenge" (political, personal, class), and this happens for the lack of an objective criterion - I meant "scientific" - to assess virtuous and vicious, now increasingly replaced by sentimentum of the legislature that, almost blindly, issue "judgments" and impose punishments lifetime.

E 'where you begin to understand why the title of this posting.
Because I think it's humanly impossible for a minister to know the reality of each school / university Italian, the only reasonable solution that comes to mind is that the application of a healthy, robust and conclusive Federalism: you say " what does? ", but read and understand.

Given that the Italian State - As other European and Western - has scarce resources (and is decreasing), we can easily understand how it can not continue to keep their money with all the current system of universities and schools, especially those most disadvantaged (in mountain, country villages, etc.)..
On the other hand is wrong, too close to schools and universities in order, precisely because they hardly understood by the communities concerned, that the righteous cry "persecution" against them.

The solution may come from the famous objective criterion above. We establish
1-2-3 scientific parameters that measure the quality of teaching, research productivity and cost management; then establish the national standard not respecting which the central government has the right and duty to stop publicly funded schools and central state universities. structures that - internal inefficiencies or chronic structural - not covered by the standard can choose between two options:
  1. close cabin and puppets, but this time with a justification for all the same, and not attributable to "revenge" and "conspiracies"
  2. remain open through a tax increase (or those enrollment / attendance or those directly paid by the citizens of the community where the structure "critical" pertains).

I am sure that with a system like this not only would avoid a lot of logic that we see these days - because it is more difficult to try to deny the sheer numbers than a personal decision of a minister - but I also believe that many structures, chronically loss-making today and in crisis, rebound, spurred by the "sword of Damocles" of the parameters: a sort of Stability Pact of the public on the model of Maastricht.

you'll wonder why the title also includes health care. Very simple: lo stesso criterio si potrebbe benissimo applicare al Sistema Sanitario Nazionale con - ritengo - ottimi risultati in pochissimi anni. Ma di questo parlerò (se avrò voglia) un'altra volta...

Un caro saluto a tutti i pochi sbandati che leggeranno!

Lord tojo

Wednesday, October 15, 2008

Japanese Airgraft Ww2

Up to 30000 € with flexibility of Agos. Rata flexible. The loan

The flexible loan (Of Agos, a famous financial company in the Italian market for over twenty years) is characterized by considerable flexibility
  • can change the rate of reimbursement, increasing or decreasing depending on availability.
  • you can skip an installment , three times, postponing the payment.
  • can pay off the loan early without penalty .

Additional features:

  • is fast: in just 48 hours approval of the request, the desired amount directly Agos will credit your account.
  • and suitable for: self-employed, employees and retirees
  • as soon as possible: up to 30000 €
  • fixed rate period: from 12 to 84 months
  • rates: from 7.90 %

Requests:

  • identity card
  • tax code
  • document income
  • loan repayment by RID.

Japanese Airgraft Ww2

Up to 30000 € with flexibility of Agos. Rata flexible. The loan

The flexible loan (Of Agos, a famous financial company in the Italian market for over twenty years) is characterized by considerable flexibility
  • can change the rate of reimbursement, increasing or decreasing depending on availability.
  • you can skip an installment , three times, postponing the payment.
  • can pay off the loan early without penalty .

Additional features:

  • is fast: in just 48 hours approval of the request, the desired amount directly Agos will credit your account.
  • and suitable for: self-employed, employees and retirees
  • as soon as possible: up to 30000 €
  • fixed rate period: from 12 to 84 months
  • rates: from 7.90 %

Requests:

  • identity card
  • tax code
  • document income
  • loan repayment by RID.

Monday, October 13, 2008

Period Pain And Fainting

BancoPosta Italian Mail

Main features of the loan bank::
  • Advantages: good condition, low cost, zero cost of inquiries.
  • Svantaggi: facile da ottenere per i lavoratori dipendenti e per i pensionati, più difficile per gli altri.
Come Funziona:
  • Quanto finanzia: da 1500 euro a 30000 euro .
  • Quali sono i tempi : accreditato sul conto in 3 giorni lavorativi.
  • Rimborso : a rate costanti da 12 fino ad 84 mesi .
  • Dove rimborsare : direttamente sul conto BancoPosta

Leggi un'opinione

Maggiori informazioni

Period Pain And Fainting

BancoPosta Italian Mail

Main features of the loan bank::
  • Advantages: good condition, low cost, zero cost of inquiries.
  • Svantaggi: facile da ottenere per i lavoratori dipendenti e per i pensionati, più difficile per gli altri.
Come Funziona:
  • Quanto finanzia: da 1500 euro a 30000 euro .
  • Quali sono i tempi : accreditato sul conto in 3 giorni lavorativi.
  • Rimborso : a rate costanti da 12 fino ad 84 mesi .
  • Dove rimborsare : direttamente sul conto BancoPosta

Leggi un'opinione

Maggiori informazioni

Monday, October 6, 2008

Ragnarok Emblems Imagesize:24x24

Financial Crisis and optimism

Bella gente, nella ripresa dell'aggiornamento del blog di qualche giorno fa avevo accennato all'inenzione di scrivere un pezzo in merito all'attuale crisi finanziaria ed economica, ed ora intendo mantenere la promessa, anche se il mio non sarà un pezzo "tecnico" ma una pura riflessione personale.

Soltanto pochi mesi fa avrei dato una lettura molto diversa da quella che ho adesso della situazione today, particularly I would have given greater credence to interventions (see "state") and taken as a good example of resolving a crisis Keynesian policies of the 30s (otherwise known as New Deal ): consequently I would look favorably economic policy "expansionary" in recent weeks.
My point of view is radically changed after the meeting - thanks to Munrey Rothbard's book "The Great Depression - with the school of economics called" Austrian "(as its major exponents were Austrian immigrants in the U.S.) version and underestimated little known economic liberalism.

Now, I'm not here to give a lecture of "austroliberismo" (as as was the austromarxismo ...), I would have the necessary skills to do it, but I can tell you in brief what I understand of this school of thought.
To put it very simply, the Austrians say this:

  • market economic / financial "wild", ie without external interference, there is an interest rate called the "natural" given by the time preferences of individuals (consume more today or tomorrow? And for tomorrow as I will have to consume in that time than today?)
  • time preferences of individuals, consumers determine at any time of the decision of entrepreneurs how to allocate investments, a greater propensity for immediate consumption will discourage entrepreneurs from making massive investments to focus on providing current vice versa in the case of consumer preference for deferred
  • the banking system, primarily central banks, with the ability to be able to provide more money than they hold as a guarantee (in any course of monetary economics teaches that the banks are governed by standing by the hope that not all depositors go to get back the money at the same time: otherwise, the failure would be inevitable), "dope" the market and in particular the level of the natural rate of interest. In fact offering much more money in loan which would be normal, contributing to artificially lower the interest rate from its equilibrium level as set by the time preferences;
  • business, is "misleading" by the low rates, try to take the opportunity to invest in highly capital-intensive and returns far in the future, but the low bank rates do not really correspond to the changed conditions of consumer preferences;
  • the consequence is that the industrial system, because of the "distortion" of interest rates, many more will make the necessary investments to or when the same investment policy (and costs) is unsustainable for businesses (as consumers' preferences really have not changed), or some external factor not "ingrippi" the banking system, lowering the credit of this to businesses ( credit crunch )
  • the end result is - or should be - a chain of failures firms that were exposed to long-term investment more than necessary, and consequent recession is not a coincidence that even in the darkest times of crisis the industry closest to the consumer, however, go quite well, as are the longer- capital-intensive to suffer.
Here, if we compare today's realities with the postulates of the Austrians, we see many similarities, from a bank loan unbounded (with interest rates at historic lows, around 1 to 2% for many years in a row) through a policy of investment in capital goods is very high.
Therefore, if the Austrian theory is true, the proposed solutions now (as in the years after 1929) are entirely inadequate, as in some way perpetuating - this time under the umbrella of state and para-state (central banks) - l 'excess supply of credit and the removal of interest rate from its natural level: in a sense every € placed to save the system is actually a € which helped to kill and to perpetuate the crisis. According to the Austrian
the best thing to do would be to allow the crisis to develop in full, just like a disease, and to follow its course to recovery.

Now, I have not deep enough to matter - and probably will not do enough - to tell whether what I call a doctrine austroliberismo is convincing, for sure this crisis will be a good test to check the "strength" of economic laws are currently the most reliable.

Moreover, from the point of view more closely, "down to earth," I do not share the pessimism and doom hovering: a crisis like this, far from marking the end of capitalism, it shows the vitality and the ability to shake (although at cost of deep crisis) germs of policy mistakes, and then renewed. For young people like us such a situation, if properly exploited with a minimum of ingenuity, can be a great business opportunity, because many secure positions and income have failed, opening up vast grasslands for those who have good ideas and a bit of courage .

However, in the words of Gandalf the Grey in Lord of the Rings, in reference to those who complain of having been born in time "bleak"

[...] It is true for all those who live in times like these but not
up to them to decide, we can only decide what to do with the time it is granted
.

Lord Tojo

Ragnarok Emblems Imagesize:24x24

Financial Crisis and optimism

Bella gente, nella ripresa dell'aggiornamento del blog di qualche giorno fa avevo accennato all'inenzione di scrivere un pezzo in merito all'attuale crisi finanziaria ed economica, ed ora intendo mantenere la promessa, anche se il mio non sarà un pezzo "tecnico" ma una pura riflessione personale.

Soltanto pochi mesi fa avrei dato una lettura molto diversa da quella che ho adesso della situazione today, particularly I would have given greater credence to interventions (see "state") and taken as a good example of resolving a crisis Keynesian policies of the 30s (otherwise known as New Deal ): consequently I would look favorably economic policy "expansionary" in recent weeks.
My point of view is radically changed after the meeting - thanks to Munrey Rothbard's book "The Great Depression - with the school of economics called" Austrian "(as its major exponents were Austrian immigrants in the U.S.) version and underestimated little known economic liberalism.

Now, I'm not here to give a lecture of "austroliberismo" (as as was the austromarxismo ...), I would have the necessary skills to do it, but I can tell you in brief what I understand of this school of thought.
To put it very simply, the Austrians say this:

  • market economic / financial "wild", ie without external interference, there is an interest rate called the "natural" given by the time preferences of individuals (consume more today or tomorrow? And for tomorrow as I will have to consume in that time than today?)
  • time preferences of individuals, consumers determine at any time of the decision of entrepreneurs how to allocate investments, a greater propensity for immediate consumption will discourage entrepreneurs from making massive investments to focus on providing current vice versa in the case of consumer preference for deferred
  • the banking system, primarily central banks, with the ability to be able to provide more money than they hold as a guarantee (in any course of monetary economics teaches that the banks are governed by standing by the hope that not all depositors go to get back the money at the same time: otherwise, the failure would be inevitable), "dope" the market and in particular the level of the natural rate of interest. In fact offering much more money in loan which would be normal, contributing to artificially lower the interest rate from its equilibrium level as set by the time preferences;
  • business, is "misleading" by the low rates, try to take the opportunity to invest in highly capital-intensive and returns far in the future, but the low bank rates do not really correspond to the changed conditions of consumer preferences;
  • the consequence is that the industrial system, because of the "distortion" of interest rates, many more will make the necessary investments to or when the same investment policy (and costs) is unsustainable for businesses (as consumers' preferences really have not changed), or some external factor not "ingrippi" the banking system, lowering the credit of this to businesses ( credit crunch )
  • the end result is - or should be - a chain of failures firms that were exposed to long-term investment more than necessary, and consequent recession is not a coincidence that even in the darkest times of crisis the industry closest to the consumer, however, go quite well, as are the longer- capital-intensive to suffer.
Here, if we compare today's realities with the postulates of the Austrians, we see many similarities, from a bank loan unbounded (with interest rates at historic lows, around 1 to 2% for many years in a row) through a policy of investment in capital goods is very high.
Therefore, if the Austrian theory is true, the proposed solutions now (as in the years after 1929) are entirely inadequate, as in some way perpetuating - this time under the umbrella of state and para-state (central banks) - l 'excess supply of credit and the removal of interest rate from its natural level: in a sense every € placed to save the system is actually a € which helped to kill and to perpetuate the crisis. According to the Austrian
the best thing to do would be to allow the crisis to develop in full, just like a disease, and to follow its course to recovery.

Now, I have not deep enough to matter - and probably will not do enough - to tell whether what I call a doctrine austroliberismo is convincing, for sure this crisis will be a good test to check the "strength" of economic laws are currently the most reliable.

Moreover, from the point of view more closely, "down to earth," I do not share the pessimism and doom hovering: a crisis like this, far from marking the end of capitalism, it shows the vitality and the ability to shake (although at cost of deep crisis) germs of policy mistakes, and then renewed. For young people like us such a situation, if properly exploited with a minimum of ingenuity, can be a great business opportunity, because many secure positions and income have failed, opening up vast grasslands for those who have good ideas and a bit of courage .

However, in the words of Gandalf the Grey in Lord of the Rings, in reference to those who complain of having been born in time "bleak"

[...] It is true for all those who live in times like these but not
up to them to decide, we can only decide what to do with the time it is granted
.

Lord Tojo

Saturday, October 4, 2008

How Can You Tell If Lcd Or Plasma?

Back to Life !

sbandatissimo Dear devotees of this blog, after a long absence (though I gave ample justification on these pages is that on MSN, Facebook etc ...) categorical imperative dictated to graduate in time to start the specialist , he finally returned to animate the dear blog.

Firstly I can give you a good news: I managed to finish the exams and the three-year Thesis (staid entitled "Suggestions for an interpretation of the last oil shock (2007-2008): speculation or fundamentals?" ) and a few days I was admitted to the graduation session in October 2008 (proclamation in November), so I could start no worries the specialized course of Finance Administration and Control (a mix of Finance and Business Administration), and by now I can frivolous claim the title of "Doctor of Financial Economics" , for what it's worth a day of a three-year degree 'today ...

By September, however, I also had to take back all the various dossier that I had on the table, from serious stuff to the more facetious but important and outstanding, beginning of my political commitment through my studies of deepening economic to resume contact with the real world and friends. positivissime Among the changes since the last time I wrote on this blog is the meeting I had with a wonderful person with whom I am well and truly love you so much that I am referring to my beloved Isis ...

course with the resumption of publications on the blog will resume also headings that, to be honest with low frequency, wanted, today I wanted to start with some reflections on the current economic crisis, to be labeled as Economic Outreach, but a chat at the table with my parents made me change my mind: I will speak of the absurdity of the price of bread.

my mother said that per kilo of bread now costs a huge amount, 3 to 4 € (!!), and praised our fortune to have a wood stove in our house to Brass, where we (or rather, do my parents ...) the bread almost every week, resulting in our great savings.
I asked my father for information how much a normal meal per kilo, and how the wood ( fundamental input for the bread): the answer was about 80 cents per meal and 10 cents for wood ; also adding 20 cents standard for other auxiliary materials (such as salt, oil and yeast), we arrive at € 1.1 per kilo of bread production costs. We want to add another 40 cents to pay for incidental expenses such as light and to make us a reasonable profit? We arrive at € 1.5 / k or nothing to do with the stratospheric prices that are read nowadays!
It 'clear that the bakers and bakers "make us miserably in" and have somehow set up a trust (a cartel monopoly), even if only to see prices fully approved between individual retailers (supermarkets are a world apart) as if they had tacitly decided to compete only on product quality and not on a pity that these days very little importance to the people of the quality of bread, when you may not even have those 3-4 € needed to buy it!

Vabbeh, this was my good parentheses controversy to baptize the beginning of autumn blog and its reopening ... read on (if you will), a salutone to everyone!

Lord Tojo

How Can You Tell If Lcd Or Plasma?

Back to Life !

sbandatissimo Dear devotees of this blog, after a long absence (though I gave ample justification on these pages is that on MSN, Facebook etc ...) categorical imperative dictated to graduate in time to start the specialist , he finally returned to animate the dear blog.

Firstly I can give you a good news: I managed to finish the exams and the three-year Thesis (staid entitled "Suggestions for an interpretation of the last oil shock (2007-2008): speculation or fundamentals?" ) and a few days I was admitted to the graduation session in October 2008 (proclamation in November), so I could start no worries the specialized course of Finance Administration and Control (a mix of Finance and Business Administration), and by now I can frivolous claim the title of "Doctor of Financial Economics" , for what it's worth a day of a three-year degree 'today ...

By September, however, I also had to take back all the various dossier that I had on the table, from serious stuff to the more facetious but important and outstanding, beginning of my political commitment through my studies of deepening economic to resume contact with the real world and friends. positivissime Among the changes since the last time I wrote on this blog is the meeting I had with a wonderful person with whom I am well and truly love you so much that I am referring to my beloved Isis ...

course with the resumption of publications on the blog will resume also headings that, to be honest with low frequency, wanted, today I wanted to start with some reflections on the current economic crisis, to be labeled as Economic Outreach, but a chat at the table with my parents made me change my mind: I will speak of the absurdity of the price of bread.

my mother said that per kilo of bread now costs a huge amount, 3 to 4 € (!!), and praised our fortune to have a wood stove in our house to Brass, where we (or rather, do my parents ...) the bread almost every week, resulting in our great savings.
I asked my father for information how much a normal meal per kilo, and how the wood ( fundamental input for the bread): the answer was about 80 cents per meal and 10 cents for wood ; also adding 20 cents standard for other auxiliary materials (such as salt, oil and yeast), we arrive at € 1.1 per kilo of bread production costs. We want to add another 40 cents to pay for incidental expenses such as light and to make us a reasonable profit? We arrive at € 1.5 / k or nothing to do with the stratospheric prices that are read nowadays!
It 'clear that the bakers and bakers "make us miserably in" and have somehow set up a trust (a cartel monopoly), even if only to see prices fully approved between individual retailers (supermarkets are a world apart) as if they had tacitly decided to compete only on product quality and not on a pity that these days very little importance to the people of the quality of bread, when you may not even have those 3-4 € needed to buy it!

Vabbeh, this was my good parentheses controversy to baptize the beginning of autumn blog and its reopening ... read on (if you will), a salutone to everyone!

Lord Tojo

Thursday, October 2, 2008

Harley Davidson Spinker

Un sommario dei tempi di conservazione dati



As seen in the table of data storage times, there are 5 categories of alerts, what we see and what to do:


1) In If you ask for funding and this was rejected, you normally a report of 6 months, if you refuse the first response of the financing, the alert is only a month.

Therefore advice is to have good relations with the bank and to inform the person that is following you advise if there are problems, and before we send you a 'fail (which would cost you six months) to alert so you can send a letter denying the request ... (which would cost only a month)

2) In case you have marked 1 or 2 installments paid regularly then you go 12 months before cancellation. Again, the delay is not important that you know have done but the actual registration in Crif or other agencies.

3) If there are more installments not paid regularly and then spend 24 months to cleanse the cancellation.

4) adverse events heavy need of 36 months after the end of the report. This means that if the funding ends in 3 years after another 36 months to obtain the cancellation.

5) In this case the cancellation is for our having a positive, that is, those funds have gone completely successful, of course, no sane person would ask those that could be automatically canceled after 36 months since the last installment . These times very, very often do not follow ..

In other articles we explain how to make use of the Privacy ma naturalmente un ricorso lo possiamo fare se siamo certi d’aver ricevuto un torto..

A volte è neccessario saper richiedere la cancellazione dei dati una volta scontata la pena , perché può anche essere che se non fai niente ti tengono in banca dati per 20 anni!!


Esistono varie tipologie di raccomanda da inviare per la reale cancellazione.. In altri articoli ti postero le giuste coordinate..

Harley Davidson Spinker

Un sommario dei tempi di conservazione dati



As seen in the table of data storage times, there are 5 categories of alerts, what we see and what to do:


1) In If you ask for funding and this was rejected, you normally a report of 6 months, if you refuse the first response of the financing, the alert is only a month.

Therefore advice is to have good relations with the bank and to inform the person that is following you advise if there are problems, and before we send you a 'fail (which would cost you six months) to alert so you can send a letter denying the request ... (which would cost only a month)

2) In case you have marked 1 or 2 installments paid regularly then you go 12 months before cancellation. Again, the delay is not important that you know have done but the actual registration in Crif or other agencies.

3) If there are more installments not paid regularly and then spend 24 months to cleanse the cancellation.

4) adverse events heavy need of 36 months after the end of the report. This means that if the funding ends in 3 years after another 36 months to obtain the cancellation.

5) In this case the cancellation is for our having a positive, that is, those funds have gone completely successful, of course, no sane person would ask those that could be automatically canceled after 36 months since the last installment . These times very, very often do not follow ..

In other articles we explain how to make use of the Privacy ma naturalmente un ricorso lo possiamo fare se siamo certi d’aver ricevuto un torto..

A volte è neccessario saper richiedere la cancellazione dei dati una volta scontata la pena , perché può anche essere che se non fai niente ti tengono in banca dati per 20 anni!!


Esistono varie tipologie di raccomanda da inviare per la reale cancellazione.. In altri articoli ti postero le giuste coordinate..

Pokemonblue Save Online

Tempi di tegistrazione

In un altro articolo abbiamo presentato la tabella dei tempi di conservazione dati delle segnalazioni..

Come possiamo vedere dalla tabella ci sono 5 categorie di signaling, in the past was even more difficult situation, but thanks to the measures of the Privacy were obtained reductions of "punishment"

To verify the actual reports you need to apply directly to companies through attachments that we've provided. Why know that you are not paid regularly 2 or 3 rate does not mean necessarily that you recommended!

depends on your bank .. wound might as well forget it.

So the first thing you need to do and actually know what kind of alerts you.

We have seen people with more than 5 installments not paid will not have a recording, well, I was lucky because the bank was full of work and probably have lost or forgotten practice of making the report. (This happens very rarely)



Pokemonblue Save Online

Tempi di tegistrazione

In un altro articolo abbiamo presentato la tabella dei tempi di conservazione dati delle segnalazioni..

Come possiamo vedere dalla tabella ci sono 5 categorie di signaling, in the past was even more difficult situation, but thanks to the measures of the Privacy were obtained reductions of "punishment"

To verify the actual reports you need to apply directly to companies through attachments that we've provided. Why know that you are not paid regularly 2 or 3 rate does not mean necessarily that you recommended!

depends on your bank .. wound might as well forget it.

So the first thing you need to do and actually know what kind of alerts you.

We have seen people with more than 5 installments not paid will not have a recording, well, I was lucky because the bank was full of work and probably have lost or forgotten practice of making the report. (This happens very rarely)



Flu Symptomstesticles Hurt



This is the official table used by credit institutions to label a "bad payer". We can use to better understand in what time slot is our recommendation.

1) funding requests

6 months, if the investigation so requires, or 1 month in case of refusal of the request or abandoned by

2) delinquency rate of two or two months later remedied

12 months from the regularization

3) delayed more than healed also transaction

24 months by the regularization

4) adverse events (ie delinquency, serious errors, suffering ) is not remedied

36 months from the date of maturity the transaction or the date on which it was necessary to the last update (in case of subsequent agreements or other relevant events in relation to reimbursement)

5) reports that have carried positively (without delays or other negative events)

36 months in the presence of other reports with adverse events is not finalized. In the remaining cases, the first phase of implementation of the code of ethics, the term will be 36 months from the date of termination or expiration of the contract, or updated in the first month following these dates.

Flu Symptomstesticles Hurt



This is the official table used by credit institutions to label a "bad payer". We can use to better understand in what time slot is our recommendation.

1) funding requests

6 months, if the investigation so requires, or 1 month in case of refusal of the request or abandoned by

2) delinquency rate of two or two months later remedied

12 months from the regularization

3) delayed more than healed also transaction

24 months by the regularization

4) adverse events (ie delinquency, serious errors, suffering ) is not remedied

36 months from the date of maturity the transaction or the date on which it was necessary to the last update (in case of subsequent agreements or other relevant events in relation to reimbursement)

5) reports that have carried positively (without delays or other negative events)

36 months in the presence of other reports with adverse events is not finalized. In the remaining cases, the first phase of implementation of the code of ethics, the term will be 36 months from the date of termination or expiration of the contract, or updated in the first month following these dates.

Can You Make Mochi In A Bread Machine



stupuliamo When a loan agreement, the credit institution makes us deliver this letter (We have simplified the form to make it more capibile ..)

"... Dear Customer,

to provide the funding required, we use certain information about you. This is information that you provide us with the same or obtained by inspection of certain databases. Without these data, we need to assess its reliability, may not be granted funding.

This information will be retained by us and some will be communicated to large databases set up to assess the risk credit, privately operated and consulted on many subjects. This means that other banks or financial information that you ask for another loan, a loan, a credit card, etc.. even in installments to buy a commodity, they can find out if you made us a recent grant application, if current funding and if other loans or pay their installments.

Should you be punctual in payments, the retention of such information from the databases requires your consent. In case of payment delay or omitted payments, or where the funding relates to your business or professional activity, such consent is not required.

you are entitled to know your data and to exercise other rights relating to their use (updating, cancellation, etc.)..

---------------------------------------------- --------------------------

We store your information in our society for all that is necessary to manage the financing and fulfill with legal obligations.

In order to better assess credit risk, report some (personal data, even if multiple liability of the person, type of contract, loan amount, repayment) to credit reporting systems, which are governed by its Code of Ethics of 2004 (Official Gazette in November 2004 ... No ...;). The data are made accessible to individual farmers banking and financial participants, of which the following is the categories.

data concerning you are periodically updated with information acquired during the relationship (pattern of payments, debts residual status of the report).

part of the credit information systems, your data will be processed in a manner of organization, comparison and processing are strictly necessary to achieve the purposes above descritte.I credit reporting systems are managed by which we adhere:

IDENTIFICATION: ... (Name, address, contact information is also computerized, state the type of system: w / no) / PARTICIPANTS: ... (Specify the categories, eg.: Banks, finance companies, leasing companies ...) / TIME DATA RETENTION

Similarly can request correction, updating and integration of inaccurate or incomplete data, or the cancellation or the blocking of data treated in violation of the law, or oppose their use for legitimate purposes to be indicated in the request (Article 7 of the Code, art. 8 of the Code of Conduct )..."


Can You Make Mochi In A Bread Machine



stupuliamo When a loan agreement, the credit institution makes us deliver this letter (We have simplified the form to make it more capibile ..)

"... Dear Customer,

to provide the funding required, we use certain information about you. This is information that you provide us with the same or obtained by inspection of certain databases. Without these data, we need to assess its reliability, may not be granted funding.

This information will be retained by us and some will be communicated to large databases set up to assess the risk credit, privately operated and consulted on many subjects. This means that other banks or financial information that you ask for another loan, a loan, a credit card, etc.. even in installments to buy a commodity, they can find out if you made us a recent grant application, if current funding and if other loans or pay their installments.

Should you be punctual in payments, the retention of such information from the databases requires your consent. In case of payment delay or omitted payments, or where the funding relates to your business or professional activity, such consent is not required.

you are entitled to know your data and to exercise other rights relating to their use (updating, cancellation, etc.)..

---------------------------------------------- --------------------------

We store your information in our society for all that is necessary to manage the financing and fulfill with legal obligations.

In order to better assess credit risk, report some (personal data, even if multiple liability of the person, type of contract, loan amount, repayment) to credit reporting systems, which are governed by its Code of Ethics of 2004 (Official Gazette in November 2004 ... No ...;). The data are made accessible to individual farmers banking and financial participants, of which the following is the categories.

data concerning you are periodically updated with information acquired during the relationship (pattern of payments, debts residual status of the report).

part of the credit information systems, your data will be processed in a manner of organization, comparison and processing are strictly necessary to achieve the purposes above descritte.I credit reporting systems are managed by which we adhere:

IDENTIFICATION: ... (Name, address, contact information is also computerized, state the type of system: w / no) / PARTICIPANTS: ... (Specify the categories, eg.: Banks, finance companies, leasing companies ...) / TIME DATA RETENTION

Similarly can request correction, updating and integration of inaccurate or incomplete data, or the cancellation or the blocking of data treated in violation of the law, or oppose their use for legitimate purposes to be indicated in the request (Article 7 of the Code, art. 8 of the Code of Conduct )..."


Body Waxing Men San Francisco



The section of the Bank of Italy that takes care of the credit system together with the CRIF is certainly more relevant and important. Fortunately

Bank of Italy is more logical in its way of operating , it assesses the actual situation and in case of small delays do not make no registration unlike the other aforementioned.

His assessment differs "
crossing suffering" or simply " stranding .

Passage suffering indicates that in a clear manner the person can not pay the installments, the message here is that after you were not regular per molte rate.

L’incaglio sta ad indicare che la persona ha avuto un problema passeggero di poche rate, per tanto Banca D’Italia capendo la pesantezza di una segnalazione non esegue per nostra fortuna nulla.

Abbiamo visto le principali società che intrappolano il nostro credito, più avanti ti spiegheremo i tempi di conservazione dei dati e le eventuali leggi del Garante della Privacy che ci tutela almeno in parte.

Risorse Utili : Banca d'Italia - Segnalazioni banca


Body Waxing Men San Francisco



The section of the Bank of Italy that takes care of the credit system together with the CRIF is certainly more relevant and important. Fortunately

Bank of Italy is more logical in its way of operating , it assesses the actual situation and in case of small delays do not make no registration unlike the other aforementioned.

His assessment differs "
crossing suffering" or simply " stranding .

Passage suffering indicates that in a clear manner the person can not pay the installments, the message here is that after you were not regular per molte rate.

L’incaglio sta ad indicare che la persona ha avuto un problema passeggero di poche rate, per tanto Banca D’Italia capendo la pesantezza di una segnalazione non esegue per nostra fortuna nulla.

Abbiamo visto le principali società che intrappolano il nostro credito, più avanti ti spiegheremo i tempi di conservazione dei dati e le eventuali leggi del Garante della Privacy che ci tutela almeno in parte.

Risorse Utili : Banca d'Italia - Segnalazioni banca


What Does Slightly Elevated Rbc Mean



Crif S.p.A It is a system of positive and negative credit information, this indicates that it provides the institution to which you have sought funding your past credit in the form both negative and positive, in other words means that if you have a past funding you are paid regularly in the database in the same manner in which payments are also paid irregularly. CRIF also does not mandate reporting protests.


CTC:
is a 'body
non-profit which operates only in Italy founded by several financial companies.

Esso si occupa solamente di informazioni negative e viene usato solamente dagli enti che aderiscono al consorzio , questo vuol dire che la tua banca potrebbe non controllare in questa banca dati.


Experian :
E’ una società privata gestisce informazioni positive e negative, anch’essa viene spesso presa in considerazione anche se ha meno valore della Crif, cioè se non sei segnalato in Crif ma in Experian hai cento possibilità in più di ottenere credito.


Sia : è una grande organizzazione che viene usata dagli enti creditizi(banche) per vari motivi, a noi interessa solo il compito che ha di usare avvolte malamente i nostri dati.

Poi vi è la sezione della Banca d'Italia che si occupa del sistema creditizio, essa è socuramente, insieme a Crif, quella più rilevante ed importante.

Risorse Utili : Crif - Ctc - Experian

What Does Slightly Elevated Rbc Mean



Crif S.p.A It is a system of positive and negative credit information, this indicates that it provides the institution to which you have sought funding your past credit in the form both negative and positive, in other words means that if you have a past funding you are paid regularly in the database in the same manner in which payments are also paid irregularly. CRIF also does not mandate reporting protests.


CTC:
is a 'body
non-profit which operates only in Italy founded by several financial companies.

Esso si occupa solamente di informazioni negative e viene usato solamente dagli enti che aderiscono al consorzio , questo vuol dire che la tua banca potrebbe non controllare in questa banca dati.


Experian :
E’ una società privata gestisce informazioni positive e negative, anch’essa viene spesso presa in considerazione anche se ha meno valore della Crif, cioè se non sei segnalato in Crif ma in Experian hai cento possibilità in più di ottenere credito.


Sia : è una grande organizzazione che viene usata dagli enti creditizi(banche) per vari motivi, a noi interessa solo il compito che ha di usare avvolte malamente i nostri dati.

Poi vi è la sezione della Banca d'Italia che si occupa del sistema creditizio, essa è socuramente, insieme a Crif, quella più rilevante ed importante.

Risorse Utili : Crif - Ctc - Experian

Mickie James Strip Tease



Crif S.p.A è un sistema di informazioni creditizie positivo e negativo, questo sta ad indicare che esso fornisce all’ente a cui have sought funding your past credit in the form both negative and positive , in other words means that if you have a past funding you are paid regularly in the database in the same manner in which payments are also paid irregularly.

Crif also does not deal with report protests.

Useful Resources: Crif - Protests


Mickie James Strip Tease



Crif S.p.A è un sistema di informazioni creditizie positivo e negativo, questo sta ad indicare che esso fornisce all’ente a cui have sought funding your past credit in the form both negative and positive , in other words means that if you have a past funding you are paid regularly in the database in the same manner in which payments are also paid irregularly.

Crif also does not deal with report protests.

Useful Resources: Crif - Protests