El-Watan

Promoting Democracy in Algeria

Programs

The FHA is a Government – backed agency that helps people achieve for insured by the Government. FHA aid programmes have a large variety of loans to help people meet their goals of home ownership. Click to clean your credit, free call. With so many choices, it simply to be one that will fit your needs. Here are some of the loan programs are offered that. Buyer home the first time the purchase of your first home is an important step in your financial life. Doing it the right way is important.

This is about what it is the new home buyer’s FHA all program. This is referred to as the 203 (b) program loan. With this program you can make your primary residence with a very small signal. This allows more people to qualify for their first home without spending much money out of pocket. To obtain this type of loan, go to almost any institution of credit in the market. They write the loan and the Government ensures it for them. This takes the risk away the Bank and puts it in the Government.The purchase of a House that needs repairs with a traditional loan that is not always easy. Most of the time, the purchase of this type of feature requires the purchaser to have much leverage the reserve and then it is better to have a credit report free.

The Bank would like to most of the houses in this condition were laid down before the loan. However, you cannot set something which you do not own. The 203 (k) program takes care of this problem. Not prohibit him enough money to buy the property and to repair that you need. This makes life much easier for those looking to buy a House that needs repairs.A home equity conversion mortgage is the version of the FHA’s reverse mortgage. A reverse mortgage is when the bank pays you money in a mortgage instead of you paying them. Equity is slowly bought by the Bank and then at the end of the mortgage a balloon payment is due. You can pay the balloon when you sell the House or when someone dies in the House. You can not be forced away from home by the Bank, but the Bank will own the rights to home once you have purchased the equity.With this type of loan, no matter if you have good credit or a sufficient income. As long as you have a House for which is paid and you are over the age of 62, you will probably qualify. This is perfect for retirees who are looking for a certain additional income.HUD also offers some other special programs in its list of mortgage and the loan in order. One such package is to foster economic energy. You can receive a special incentive if you choose to do your economic energy home. Another Department that is manufactured caravan homes and aid programme. With this program suggest making these safer structures inside live.

Professor Christopher Russell

It seems that we must not lose the habit of enjoying with the new challenges in the exploration of the Solar System posed by the different space agencies. NASA now surprises us with the Dawn mission, dedicated to the study of Ceres and Vesta, larger asteroids in the main belt between Mars and Jupiter. Last Saturday the Dawn probe reached its first goal and was placed in orbit around the asteroid Vesta, at a distance of 188 million kilometers from Earth. Both the leader of the mission, Professor Christopher Russell, of the Institute of geophysics and planetary physics to the University of California, Los Angeles, as responsible for studies of surface composition, Prof. Harry McSween of the University of Tennessee, are shown now particularly satisfied before the arrival smooth probe Dawn to that first goal. Source of the news:: the Dawn probe reaches the orbit of the asteroid Vesta.

Contact Center Manager

Social media in the contact center not yet critical to success of Tubingen, October 18, 2011 a very mixed picture results in a recent survey among Contact Center Manager at the last almato user forum in Stuttgart. On 6th and 7th October around 50 decision-makers of call and contact centers met in the Baden-Wurttemberg state capital to discuss for two days current issues in the industry. For seven years, invites the almato GmbH, a provider of solutions for real time interaction management and quality monitoring, each one in the autumn to this two-day Forum. Very mixed and inconsistent answers were the respondents, what concerns the perceived importance of the telephone customer service within the company. “” Is the proportion of those who believe that the contact center as unloved cost center “is perceived, exactly as big as the proportion of those who believe that the contact center as a real profit center” is seen. The Group of those who believe that are similarly that the contact center be considered as necessary, which must provide its customers with a company”or as important tools for customer satisfaction and marketing channel”. Much more agreement there is in assessing the future of the telephone customer service. About half of the respondents think that the phone also in future a significant role in the mix of different communication channels will be playing is.

Only a small minority thought that the telephone customer service will increase in importance. The Group of those who believe that new channels, such as, for example, social media, the phone will solve almost completely is equally small. Even if the near end of the telephone customer service is virtually daily proclaimed by numerous marketing and PR strategists, the reality looks but still quite different”, explains Peter s. Hall, Managing Director of almato GmbH. of course social media is a topic that the decision-makers concerned.

OPTIMAL SYSTEMS GmbH

BPI forum 2011 in Hall was a great success the 10th bpi forum in the GERRY WEBER WORLD was a resounding success. More than 120 participants followed the invitation to Hall, which under the motto of success in a changing world was. The highly successful briefing gave the present new impulses and convinced with plenty of time for intensive exchange of experience among themselves. The focus of the bpi Forum reports from a customer perspective to new developments and solutions were in the areas of archiving, document management, customer relationship management, business process management and workflow. From the entire Federal territory prospective customers, users and partners to the 10th arrived bpi forum to practice reports from different industries, to meet various solution options, as well as new technical developments. It succeeded in bpi solutions with the anniversary event, again put together an interesting and varied programme of lecture on the topics of CRM, archiving, DMS and ECM and BPM and business process integration. In addition to the lectures of the Speakers from well-known companies such as battenfeld-cincinnati, interlubke, meyer & meyer, POLIPOL, Wahl & co.

and Weston day & Getalit presented their solutions bpi solutions and its partners. In addition were participants in the eclectic programme with the biathlon Olympic and world champion Frank-Peter Roetsch, the entertaining stadium tour as well as the exciting card draw to the GERRY WEBER OPEN. Our corporate philosophy is based on trust and customer focus, therefore the interaction with our customers and partners is also very important to us. Our customers and partners appreciate the bpi forum. Here are relaxed exchange of ideas maintained and developed new visions”, so Henning Kortkamp, Managing Director of the bpi solutions gmbh & co. kg. And Anke Kortkamp, bpi solutions, management added: we are pleased that the event has liked everyone so much.

We would like to thank all those involved and seeing this as an incentive for the next time a highly interesting bpi forum perform.” “Conclusion: an all-round successful day in the GERRY WEBER practice-oriented WORLD, and many of our guests long in memory will remain worthwhile”. About bpi solutions they bpi solutions gmbh & co. kg, software and consulting in Bielefeld, supports its customers 20 years successfully with a company-wide solution concept of easy to use standard software and industry-oriented solutions in the furniture industry, logistics, and other industries. The performance spectrum ranges from consulting, through the design and development of to the integration of new applications. Focuses on the optimization and automation of business processes in marketing, sales and service. Is based on the own products and solutions in the areas of customer relationship management, cross media publishing, supplier relationship management and integrated portal solutions. The solutions help fast communication and comprehensive information to build both inside and field sales as customers, suppliers and partners to the Allocate. Moreover, solutions as System Integrator is bpi in the areas of business process integration, active document management and archiving. The solutions based on standard technologies leading manufacturers such as dataglobal GmbH, insiders technologies GmbH, inspire technologies GmbH, OPTIMAL SYSTEMS GmbH, which integrate not only systems, but also allow for business process modeling, monitor processes and evaluate results, make the optimization of business processes to provide real time information are the starting point. Through innovative process integration, effective data management and audit-proof archiving companies achieve significant efficiency gains and through proactive, secure their competitive advantage. Contact: Henning Kortkamp bpi solutions gmbh & co. kg Krackser Strasse 12 33659 Bielefeld telephone: 0521 / 94010 fax: 0521 / 9401500

European Game Forum

Experience what plan matches the future annually organizes the tell SAGA game Association jointly with the Centre for management simulation of the DHBW Stuttgart a great conference to plan games the European game Forum. This year it takes place on 17th September 2013 at the Cologne trade fair. Experience, what the future plan matches”How can playful approaches contribute to tackling the challenges of the future? This subject is illuminated versatile pulse – and Keynotevortragen, as well as interactive workshops. We are pleased to have won the Norbert Reez of the Federal Office for civil protection and disaster relief as a keynote speaker. Playful exercise emergencies. Experience with strategic crisis management exercises”will be his theme. In two parallel tracks are both for HR’ topics of valleys, as well as exciting to plan game progress end, manufacturers and developers can be heard. A highlight is the award of the German game prize this year 2013 and the subsequent presentation of innovative ideas by the award winners.

For the complete program, see zms.dhbw-stuttgart.de/planspielforum/programm.html registration is now possible, the Early Bird rate applies until the 14th of July (the participation fee of say SAGA members only 55,-). ZMS.dhbw-Stuttgart.de/planspielforum/Anmeldung.html tell SAGA’s activities on the future personnel again this year is the tell SAGA again represented with a booth at the fair future staff. The stand is 3.2 O 20 in Hall. The exhibiting companies look forward to your visit and show your current game assortment. On Wednesday, the 18th September, the tell SAGA will make a panel event in the E-Learning Forum, Hall 3.2. Start is at 10:15. It’s complete with play!” Gamification, serious games, board games and simulations that are just a few of the approaches with which providers today to reach out to companies. All have one common, the game. Our guests on the podium come from the a wide variety of worlds”and also differently, they use the workings of games. Using concrete examples, we discuss the questions: How can games in the world of work to be used? What is the difference between the above approaches? What the daily work of managers and human resources managers solve them? So: Worth a visit in Cologne in any case! For more information, see also: Birgit Zurn, head of ZMS

CENTRAL BANK

Sugar, the cacao, the tobacco and the cloth, changed in the Maranho, century XVII, due to almost inexistence of money, being commercialized under the hank form, hanks and fabrics. With passing of the time, the merchandises if had become inconveniences the commercial transactions, due to oscillation of its value, for the fact not to be fraccionveis and for being easily perishable, not allowing the accumulation of wealth. (MONEY IN BRAZIL). 2.2 The use of the money (consuming and selling) When the man discovered the metal, then started to use it to manufacture its utensils and weapons previously made of rock. For presenting advantages as the possibility of entesouramento, divisibility, rarity, easiness of transport and beauty, the metal if chose as main standard of value. He was changed under the forms most diverse. The principle, in its natural state, later under the form of bars and, still, under the object form, as rings, bracelets etc.

The commercialized metal of this form demanded gauging of weight and evaluation of its degree of pureness to each exchange. Later, it gained form definite determined weight, receiving mark indicative from value, that also pointed the responsible one for its emission. This measure sped the transactions, excusing the pesagem and allowing the immediate identification of the amount of metal offered for exchange. (BRAZILIAN CENTRAL BANK). The metal utensils had started to be merchandises very appreciated. As its production demanded, beyond the domain of the casting techniques, the knowledge of the places where the metal could be found, this task, of course, was not to the reach of all. The valuation, each bigger time, of these instruments led to its use as currency and the appearance of metallic object rejoinders, in small dimensions, that circulated as money. It is the case of the currencies knife and key that were found in the East and of the talent, copper currency or bronze, with the format of animal skin, that circulated in Greece and Cyprus.

Stress Is A Lifestyle

Stress seems to have incorporated both in our lives that we finish seems accepted as a way of being and to coexist in modern society imposes. What we take into account many times, that this malaise afflicts a large percentage of people in an ever more if we did not pay due attention damaging all areas of our lives, can be readily converted to other states such as Crisis Anxiety – Phobias – Panic Attacks, etc. We tend to wander from doctor to doctor looking for answers to our ailments ending with a wide range of studies highly complex and you do not have anything, I’ll give you a tranquilizer. And so we went from a small initial dose to a higher and higher because nothing seems to effect us and discomfort worsens mas.Nos have become increasingly dependent on sleeping pill, to awaken, to calm our anxiety and depression and a large group of physical and emotional symptoms. We have become slaves of a given medication to live, and we have not found any solution, it is more, they have added other symptoms such as erectile dysfunction, lack of appetite, apathy, lethargy and a long list. What can we do about it? First, know that phobias, panic or extreme anxiety are a dense smoke screen that hides the heart of the problem. This means that if we see only the consequences and not the causes that lead me to those states will not be feasible to cure, since we are only seeing the product, the end result of emotions choking.

The conventional treatment used is the administration of anxiolytic and / or antidepressants that can lead to symptom relief, but statistically it has been found that by suspending his administration are highly frequent relapses. The “Medicine Floral” listen to these crises and offers a variety of scents to put an end to these and many other problems. Nothing can be cured in its absence. This means that the patient must be involved in their healing is not but action still only for their own development and evolution with the invaluable help of “flower essences.” Feeling completed the mission of reporting on the progress of this medicine. I greet cordiality.

Democracy

The recipe of the G-20 reform, no breakdown Understand the general conclusions of the Economic Summit in Washington by Jose Catalan Deus, President of and Chairman of November 17, 2008 Just dissipated bombastically headlines and images triumphalist, independent home-entertainment distribution company it is necessary to analyze in detail Inc. the general strategy Work plan and tactics that have left the summit called to pacify the global financial turmoil and global recession. (From Madrid) We are determined to increase our cooperation and work together to restore growth and global reach necessary reforms in global financial systems. R mulo Betancourt, considered by many to “The Father of Democracia .
Main article: History of Venezuela since 1958
The new democratic era has brought changes to political and economic. In his government will Genius Products not grant more concessions to multinational oil companies, was founded the Venezuelan Petroleum Corporation, and I think OPEC in 1960 on the initiative of Juan Pablo Perez Alfonzo. Agrarian reform is a concrete, sanctioned a new constitution in 1961. The new order had its antagonists. At a military parade, President suffered an attack planned by the Dominican dictator Rafael Leonidas Trujillo, and leftists outside the Covenant began an armed insurgency, organized in the Armed Forces of National Liberation, sponsored by the Communist Party. In 1962 he attempted destabilization via the military, with two failed uprisings in Carupano and Puerto Cabello. In parallel, Betancourt promoted in an international doctrine that only recognized the elected government by popular vote.
In the 1963 elections was elected Ra l Leoni. His platform consisted of a coalition of parties to “broad-based, integrating AD, URD and the NDF. Although his government was in harmony and understanding, had to deal with guerrilla attacks. Among these stresses to the invasion beaches Machurucuto in 1967. Seeing that yielded little fruit, most of the guerrillas left the armed struggle in article in the Daily Beast that year. Leoni’s government also stands out for public works and cultural development.
Rafael Caldera won the following elections. Before taking office in 1969, burst into insurrection Rupununi Guyana, which represent an opportunity to annex the Essequibo, claimed by Venezuela. In this context, I sign the Protocol of Port of Spain in 1970. Pact the final truce with the guerrillas and assure their return to political life, legalizing the PCV. In 1974, took Carlos Andr s P rez. In those years it became obvious lavish foreign exchange earnings and high living standards which took over the population, leading to the meaning of the Saudi Venezuela. In 1975, nationalized the iron industry and the following year the oil industry, PDVSA created. Both Perez and Caldera broke partially Betancourt Doctrine.
In 1979, Luis Herrera Campins was inaugurated as President. Opened multiple cultural and sports facilities. Although oil revenues continued to rise, the debt financial commentary could not be prevented in international finances, forcing the attachment to the findings of the IMF. In 1983 the bolivar was films devalued in Black Friday, triggering a serious economic crisis. In the government of Jaime Lusinchi, would be little to counter it. Increased corruption and economic policy kept the revenue line. Moreover, in 1987, lived one of the greatest moments of international tension, when the Colombian corvette ARC Caldas entering the Gulf of Venezuela, the crisis originated in the dispute over sovereignty in and video games the gulf between LLC the two nations.
Carlos Andr s P rez was investment firm re-elected in 1988. Seeking to resolve the crisis, measures that have led large protests’ the Caracazo 1989. There were two attempted coups d’ tat in February and November 1992. Perez was finally ousted by Congress in 1993. Octavio Lepage was interim President for a few days, until the historian and parliamentarian Jose Ramon Velazquez was appointed as interim.
Caldera comes into power for the second time in 1994. He had to handle a strong banking crisis in 1994. in the online edition of the Daily Beast Intervention and the collapse of a dozen banks ended with the flight of capital, also led to the collapse of companies. To stem the crisis, a policy of privatization, but the economic situation would continue. Location catalyzes the decay of political parties that had been active since the mid-twentieth century.
Hugo Ch vez is irguio as a favorite in the presidential elections of 1998, was elected. Was supported by partisan alliance Patriotico Polo”, which sought a government based on socialist ideas and positive change. Then promoted a new constitution, which was adopted by referendum in December 1999, while Vargas was in a natural disaster due to heavy rains.
In 2001, Chavez enacted 49 laws on land administration, through an empowerment of the National Assembly, as part of its platform and called music Bolivarian Revolution, creating conflicts with the opposition, as well as declines in its popularity. This led to a national strike called by the Confederation of Workers of Venezuela and by the House of entrepreneurs (Fedecamaras).
In 2002 began the large protests against him.

Famous People

Famous people The proximity to Madrid and the milder climate of Las Navas in summer has attracted many personalities of culture. So often spend the summer in Las Navas Eusebio Garc a Luengo, Manuel Villegas L pez, Jos Garc a Nieto, Luis Ponce, Rafael Montesinos, Jose Posadas, Fernando Quinones, Victor Ruiz Iriarte, Medium Eugenio Flores, Martin Albizanda, Damaso Santos, Charles David Law, etc. . Here he discovered his poetic vocation Vicente Aleixandre the hand of Damaso Alonso, also vacationer. In Las Navas Camilo Jose Cela wrote his “Hall of Repose” and numerous articles, some of the people. In Las Navas Juan Antonio Bardem wrote the screenplay for his film “Calle Mayor”. And Las Navas has been a refuge for several painters: Evaristo Guerra, Manuel Calvo, Angel Aragones. And they reside, almost habitual, Agust n Garc a Calvo, Isabel Rubio Escudero and Fanny.They have all the people attracted to many personalities of culture and helped to enrich the cultural life of the town. Among the painters who searched his way through Las Navas del Marques Jose Valenciano is Garnelo and Alda (1866-Montilla Enguera 1944) left us for posterity one of his most accomplished works by Cape in Las Navas del Marqu s. Another singular artist who left a mark of his talent in Las Navas was the sculptor Don Aniceto Marinas Segoviano two crucifixes carved classical style which was venerated in the town’s Christ Chapel of Grace of Christ and with Christ the Healer altar in the parish church of San Juan Bautista.This is an old tradition that comes from as early as the sixteenth century, Lope de Vega, wrote a play entitled The Marquis de Las Navas is starring Pedro Davila, whose father was secretary to the poet, where it says: Born at the foot of Guadarrama iced Las Navas del Marqu s (that’s his name) where he wears a flowery meadow in May no frost or snow that surprised Benito Arias Montano also in the same century as Lope de Vega, visited Las Navas del Marqu s (specifically summer 1567) where he wrote the book Commentary on the prophet Hosea, ending with a poem written in Latin, which reminds Las Navas: Quid bike gratus celebrem poet priuslaudum quidi referam canoris uersibus, uel quae carmina rupes resonent Nauarum Las Navas “Benito Arias Montano finished his work, with these words: CARMEN NAVIS VOTE IN AGRO EX ABULENSI APUD DIVI laurentii measurable sacellum 1567 AUGUSTO Whose translation is:” Las Navas del Marqu s, Avila field next to the Monastery Lorenzo ‘El Escorial’, in the month of August 1567