El-Watan

Promoting Democracy in Algeria

Conservation Biology

Rheinbacher publishing presents its Moon Mountains calendar 2012 with fantastic photos and in beautiful presentation impressed the new lunar mountains conservation calendar 2012. The Tip 4 GmbH advertising agency and Publisher in Rheinbach near Bonn (www.tipp4.de) and the company of printing partner Druck – und medienhaus GmbH from Essen (www.druck-partner.de) produce for the first time in the context of the nature and endangered species media project Moon Mountains”(www.mondberge.com) a unique and impressive calendar. The well known actor and documentary film-maker has taken over the patronage for the wall calendar Hannes Jaenicke. On September 1, 2011, this wall calendar appears conservation under the title 2012 “in large size 68 x 71 cm (W x H). The impressive pictures are from nine renowned nature photographers who have photographed endangered species from around the world on beautiful photos. In addition to known species such as the mountain gorilla, Tigers, polar bear, great white shark, orang utan, Cheetah and right whale are also lesser known as Moor frog, Spix’s macaw, Panther Chameleon, OWL and rare Butterflies to see. To support the conservation project the photo professionals have provided free all images. Striking and striking feature of this unique calendar is a novel, innovative, and reusable bracket and binding made of wood.

Four twisted Birch rods are mounted to a Birch wood plate, where the calendar leaves hanging. The month leaves can turn, are both taken easily at any time. Sustainability and ecological production are ensured by the bluegreenprint label printing partner. The calendar comes with a storage solution for the most beautiful calendar leaves in a sturdy shipping box. Each month consists of two sheets of calendar. The upper, something smaller, shows the real motive usually a big photo, sometimes more. On the lower sheet is an informative text about the endangered species with a map of the area of distribution, a making-of-story except the calendar of Photos and a Vita of the photographer, everything in two languages (german and English).

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.