malzemeler:
1 yumurta
125 gr margarin
2 fincan yogurt
4 bardak un
1 cay kasıgı kabartma tozu
3 kasık kakao
1 lımon kabugu rendesı
içine fındık
yapılısı:
hamurumuzu yoguralım.
he rfındıgın etrafını hamurla kapatarak yuvarlayalım.kendımız üzüm seklı verleım yuvarlakları bırlestırerek,fırında 180 derecede pisirelım.piştıkten sonra ,bırlesım kısmına erımıs cıkolata yada cıkolata sosu dokelım.fıstıkla susleyelım.AFİYET OLSUN.....
8/10/2009 · Kategori: otel
Shadyside Inn Suites is different. Your idea of staying in a hotel is about to change. Our suites are not typical hotel rooms. In fact we do not have rooms; we only offer suites. Why are we different? Your suite is a fully furnished apartment with the same amenities as a hotel located in a residential neighborhood. It’s not just any neighborhood, it's Shadyside, Pittsburgh’s most quaint, trendy, and upscale urban area. Picture Boston’s Newberry Street, or New York’s East Village and you will get an idea of what the Shadyside area is like.
Imagine having your own apartment in the best location in Pittsburgh for as little as a day or for as long as a lifetime. Shadyside Inn Suites is as flexible as you need. Only going to be here for a night? Why not have your own fully equipped apartment? Need somewhere to stay for a month while your house is renovated? Shadyside Inn Suites is your answer. Looking to attend the University for only nine months? Shadyside Inn Suites can accommodate. Think this is going to cost you more than a hotel? Not even close. Our rates are lower, our suites are double the size of any hotel in the area, our parking is free, and our location is unrivaled.
Our suites are located within a block or two of some of the best dining, entertainment, and shopping in Pittsburgh. At your door are 135+ shops, 15+ restaurants and some of the best nightlife in the area. Shop in small boutiques, visit your favorite national store, and dine on cuisines from all over the world. Shadyside living is unmatched.
Stay in Shadyside and still be approximately 4 miles from Downtown Pittsburgh and the Convention Center and less than 1 mile from the following hospitals: Presbyterian, Montefiore, Magee Women's, Falk Clinic, West Penn, Children's, Shadyside Hospital, and Western Psychiatric
Within 1 mile of the Shadyside Inn Suites is The Carnegie Museum of Art, The Museum of Natural History, The University of Pittsburgh, Carnegie Mellon University Chatham College, and Carlow College.
Besides coming for a visit, the best way to learn about our story is read what other people have said about us. Please click on the following links to read what the professionals have to say.
8/10/2009 · Kategori: teknoloji
ASC is a leading manufacturer of specialized process equipment, control systems, and custom manufacturing software used in the composites, plastics, glass, solar, lumber, and concrete, coatings, and finishing industries. Our product lines include composite autoclaves, glass-laminating autoclaves, concrete autoclaves, industrial ovens, composite ovens, electroplating automation systems, process control software, autoclave control software, oven control software, and crane and hoist control software including scheduling. We're located in Los Angeles, CA and support thousands o
Autoclaves and other equipment
ASC manufactures a range of process equipment, including autoclaves, ovens, presses, heating systems, cooling systems, vacuum systems, and specialty pressure equipment. We also buy and sell used equipment.
systems and hundreds of customers w
Control & power systems
ASC is a leading supplier of control and power systems for a wide variety of equipment and industries. We specialize in PC-based and PLC-based control solutions. Our PC-based systems typically feature our industry-standard CPC control software package.
orldwide.
Software for controls and manufacturing
ASC can develop custom software solutions for a wide variety of manufacturing applications. Our CPC software is the world's leading software for control of autoclaves, ovens, and many other applications. Our FLEXTIME software is also the leading PC-based solution for electro-plating and anodizing control
8/10/2009 · Kategori: finans
In een kort overzicht vind u hier de verschillende leenvormen. Voor de alle duidelijkheid staan hier de verschillen in het kort opgesomd.
RekenvoorbeeldDe familie De Vries wil een lening aanvragen voor de verbouwing van de badkamer. Voor deze verbouwing willen ze € 5000,00 lenen. De familie De Vries wil zekerheid wat betreft de maandelijkse rente en wil tussentijds geen geld meer opnemen. Ze kiezen daarom voor een persoonlijke lening.
Jan en Anita willen meer financiële bestedingsruimte. Tussentijds willen ze geld kunnen opnemen. Wanneer er meer geld beschikbaar is, willen ze ook de mogelijkheid hebben om meer af te lossen. Ze kiezen voor een doorlopend krediet.
Lening vormen
Doorlopend kredietWat is een doorlopend krediet?Een doorlopend krediet is er om over langere periode meer bestedingsruimte te hebben. U mag steeds geld opnemen tot aan de kredietlimiet, maar u mag ook minder opnemen.
Tussentijds mag er altijd zonder boete worden afgelost. Dit krediet is handig wanneer u nog niet exact weet hoeveel geld u nodig heeft of wanneer u het geld nodig heeft. U betaald elke maand een vast bedrag aan rente en aflossing.
Voordelen:- Alleen rente betalen over het opgenomen bedrag- Tussentijds extra geld aflossen (boetevrij)- Meestal een eigen bankpas
Oversluiten van een doorlopend krediet:U heeft een lening of misschien wel meerdere leningen lopen. Het is dan vaak voordeliger om uw huidige krediet(en) over te sluiten. In plaats van verschillende afschriften, komt alles dan op één handig overzicht.
Tussentijds een extra krediet afsluiten:Wanneer u geen achterstand hebt opgelopen met betalen en uw financiële situatie laat het toe, is het mogelijk om een nieuwe lening af te sluiten voordat de vorige is afgelopen. Een deel van het bedrag dat u leent, wordt dan gebruikt voor de aflossing van de vorige overeenkomst(en).
Verhogen doorlopend kredietHet kan voorkomen dat naast uw doorlopend krediet nog behoefte is aan een extra financiële reserve. U kunt er dan voor kiezen om het bestaande krediet open te breken en vervolgens uw krediet te verhogen.
Persoonlijke lening
Wat is een persoonlijke leningBij de persoonlijke lening krijgt u in één keer de beschikking over het geleende bedrag. Wanneer u een persoonlijke lening afsluit, weet u precies wanneer de lening eindigt. U spreekt namelijk van tevoren een looptijd af. Zo spreekt u bij een persoonlijk krediet eenmalig een leenbedrag en een looptijd af. U krijgt dit bedrag in één keer op uw rekening gestort. Vervolgens betaald u maandelijks een vast bedrag aan rente en aflossing. In tijden van rentestijgingen biedt een persoonlijk krediet u zekerheid, want uw rente blijft ongewijzigd! Zo weet u precies waar u aan toe bent.Bent u van plan een nieuwe auto of caravan te kopen? Of wordt het tijd voor nieuwe meubels? Wellicht heeft u hiervoor gespaard, maar is het genoeg? Wanneer u extra geld nodig heeft, maar graag overzicht houdt in uw financiën, is een persoonlijke lening voor u een oplossing!
Voordelen:- Uitbetaling direct ineens- Vast rentepercentage- Vast maandbedrag- Vaste looptijd
Vaste renteWanneer de rente stijgt is een persoonlijke lening ideaal. Mocht de rente stijgen, dan heeft dit geen enkele invloed op de persoonlijke lening. Deze rente blijft ongewijzigd.
Stel u koopt een auto. Bij een persoonlijke lening spreekt u van tevoren af wat de looptijd van de lening is. U kunt deze lening bijvoorbeeld afstemmen op de levensduur van uw auto. Hierdoor voorkomt u dat de auto al is afgeschreven, maar u nog steeds moet betalen aan uw persoonlijke lening.
Spaarkrediet
Een spaarkrediet is een doorlopend krediet, gekoppeld aan een kapitaalverzekering.
Doorgaans betaald u voor een doorlopend krediet maandelijks een bedrag aan rente en aflossing. Bij een spaarkrediet betaald u echter alleen rente, die wordt berekend over het bedrag dat u heeft opgenomen. Gedurende de gehele looptijd kunt u tot uw kredietlimiet bedragen blijven opnemen.Daarnaast betaald u een maandelijkse premie voor een kapitaalverzekering.Met deze verzekering kunt u een kapitaal opbouwen om de lening af te lossen.Dit gebeurt met een kapitaalverzekering bij een gerenommeerde verzekeringsmaatschappij. De uitkering is gelijk aan de eindwaarde van de participaties en dus afhankelijk van de koersontwikkeling.
Rentekrediet
Een rentekrediet is een leenvorm voor particulieren die veel lijkt op een doorlopend krediet. Het grootste verschil is dat men bij een rentekrediet niet verplicht wordt om maandelijks af te lossen. Daardoor is het rentekrediet de leenvorm met de laagste maandlast. Deze leenvorm wordt ook vaak gebruikt om geld achter de hand te hebben, zoals bij een verbouwing of restauratie van bijvoorbeeld een oldtimer of ander duur verzamelobject. De looptijd van een rentekrediet is in principe oneindig. U lost immers niets af en betaald alleen rente. Ingezetenen van Nederland van 18 tot 65 jaar met een vast inkomen, wat niet mag bestaan uit een uitkering van de sociale dienst of de WW, kunnen in aanmerking komen voor een rentekrediet.
Moneyweb.nl is in het leven geroepen om als bemiddelaar in geldkredieten informatie te geven aan consumenten op het gebied van hypotheken en leningen. Hierbij wil Moneyweb.nl de consument helpen juiste en verantwoorde keuzes te maken bij het afsluiten van een lening of hypotheek.
Wij worden beloond door aanbieders op basis van doorlopende provisie voor wat betreft consumptief krediet en uit een mix van afsluit- en doorlopende provisie betreffende hypotheken en verzekeringsproducten. Bij eventuele klachten kunt u ons een brief sturen ter attentie van de Directie. Voor onverhoopte geschillen zijn wij aangesloten bij Klachteninstituut Financiële Dienstverlening.Moneyweb in English
8/10/2009 · Kategori: teknoloji
Ideal for the measurement of flow, density and temperature of liquids and slurries, such as aggressive or contaminated, sanitary or particle-filled fluids.
Features:
- Flow ranges from 60 to
60K Kg/Hr (2.2 to 1650 lb/min) - Accuracy up to 0.25% of reading
- Materials: flow tubes -
316 L, splitter flanges -
316 Ti, housing - cast iron - Process temperature
-40°F to 356°F - Ambient temperature
-40°F to 140°F - Wide flow ranges
ACCURATE AND RELIABLE
This meter has the ability to
maintain high accuracy,
despite changing viscosity conditions, with accuracy of +0.25% of reading.
EASY CLEANING
The ACM series has smooth stainless steel tubes and no moving parts, and is therefore very easy to flush and clean.
MULTI-TASKING
The ACM series of mass coriolis flow meters measure flow, density and temperature.
MATERIAL COMPATIBILITY
Because of the meter's 316 stainless steel flow tubes, the ACM series can measure a wide range of materials.
VARIETY OF ELECTRONICS
Electronics available for the ACM series include a local, hazardous rated display and a remote, panel-mount digital display.
8/10/2009 · Kategori: finans
With the ever-increasing emphasis on being able to demonstrate adequate
anti money laundering procedures and prevention techniques, plus the
draconian penalties for those failing to maintain suitable evidence of such
activity, no financial institution can afford to be without an automated
system such as MLTrac.
MLTrac is part of our portfolio of banking software and is dedicated to
identifying, tracking and regulating potentially suspicious or illegal
activities in respect of money laundering and/or the proceeds of crime.
internet banking software, wholesale banking software, retail banking
software systems, bankware, branchware, tellerware, INTERNET
BANKING SOFTWARE, WHOLESALE BANKING SOFTWARE,
RETAIL BANKING SOFTWARE SYSTEMS, BANKWARE,
BRANCHWARE, TELLERWARE, Internet Banking Software,
Wholesale
Banking Software, Retail Banking Software Systems, Bankware,
Branchware,
Tellerware, Criterion Banking Software,private banking,fx,money
market,foreign exchange,S.W.I.F.T.,SWIFT,dealing,trade finance,
lending,disaster recovery,payments,remittances,accounting,cashiers,
treasury,
offshore,
reuters,online,on-line, Anti Money Laundering software
MLTrac enables financial institutions to improve their internal
disciplines,
supplement their policies and procedures, and make a clear
statement to the authorities about their commitment to
effective anti money laundering controls.
MLTrac's functionality is based upon a combination of our
experience, together with contributions from our customer
base and the relevant international financial authorities. Regular
updates also take account of any future changes in market
requirements and legislation.
Functions:
*
KYC Document Management - The definition, scanning,
management and tracking of customer documentation,
and reporting of any deviations.
*
KYC Account Monitoring -The tracking of movements
over account(s) looking for deviations outside of a pre-determined
profile.
*
Manual Watch List Checking. Enter a name and the system
will check to see if the name, or like sounding names, appear
on any of the watch lists (e.g. OFAC, Bank of England and others)
that the system monitors
* Message Monitoring. MLTrac can be configured to check all
inbound and outbound messages, irrespective of format, to see
whether any field (normally the Ordering Customer and Beneficiary)
appears on one of the supported checklists. The bank has control
over the granularity of the name checking so as not to create too
many false alerts. Messages that fail Watch List Checking are put
to a quarantine queue for manual intervention. Full Audit Trails
of all checks and actions t
aken is maintained by the system.
*
Cash Remittances. For the many institutions that originate from
a country with a large overseas population the problems associated with
accepting cash for remittance back home when taken against the
potential ramifications of anti money laundering legislation means
that the business is very
risky and, often, not worth doing. The Cash Remittances module
does away with this fear. Information concerning the remitter is
maintained as part of the KYC Documentation Management module
and is displayed and made available to the teller at the point of
capturing data. A full record off all remitters and beneficiaries is
maintained. Limits can be placed upon the individual remitter and
upon the ultimate beneficiary (irrespective of source). The resulting
SQL database can be interrogated for unusual payment patterns.
8/10/2009 · Kategori: finans
Know Your Customer (KYC) compliance regulation has proved to be one of the biggest operational challenges banks, accountants, lawyers and similar financial service providers worldwide have had to overcome.
World-Check, the industry standard KYC compliance solution, provides an overview of KYC compliance and its origins, and outlines the compliance mandate as applicable to banks, accounting firms, lawyers and other regulated financial service providers – not just in the UK, Europe and the USA, but all around the world. Relied upon by more than 3,000 institutions worldwide, this KYC database solution provides effective legal and reputational risk reduction.
Why “Know Your Customer?”
The 9/11 terrorist attacks on the World Trade Centre revealed that there were sinister forces at work around the world, and that terrorists activities were being funded with laundered money, the proceeds of illicit activities such as narcotics and human trafficking, fraud and organised crime. Overnight, the combating of terrorist financing became a priority on the international agenda.
For the financial services provider of the 21st century, “knowing your customers” was no longer a suggested course of action. Based on the requirements of legislative landmarks such as the USA PATRIOT Act 2002, modern Know Your Customer (KYC) compliance mandates were created to simultaneously combat money laundering and the funding of terrorist activities.
What is Know Your Customer (KYC)?
Know Your Customer, or KYC, refers to the regulatory compliance mandate imposed on financial service providers to implement a Customer Identification Programme and perform due diligence checks before doing business with a person or entity.
KYC fulfils a risk mitigation function, and one its key requirements is checking that a prospective customer is not listed on any government lists for wanted money launders, known fraudsters or terrorists.
If preliminary KYC checks reveal that the person is a Politically Exposed Person (PEP), for example, Advanced Due Diligence must be done in order to ensure that the person’s source of wealth is transparent, and that he or she does not pose a reputational or financial risk in terms of their finances, public positions or associations. Beyond customer identification checks, the ongoing monitoring of transfers and financial transactions against a range of risk variables forms an integral part of the KYC compliance mandate.
But to understand the importance of KYC compliance for financial service providers better, its origins need to be examined.
Origins of Know Your Customer (KYC) compliance
The arrival of the new millennium was marred by a spate of terrorist attacks and corporate scandals that unmasked the darker features of globalisation. These events highlighted the role of money laundering in cross-border crime and terrorism, and underlined the need to clamp down on the exploitation of financial systems worldwide.
Know Your Customer (KYC) legislation was principally not absent prior to 9/11. Regulated financial service providers for a long time have been required to conduct due diligence and customer identification checks in order to mitigate their own operation risks, and to ensure a consistent and acceptable level of service.
In essence, the USA PATRIOT Act was not so much a radical departure from prior legislation as it was a firmer and more extensive articulation of existing laws. The Act would lead to the more rigorous regulation of a greater range of financial services providers, and expanded the authority of American law enforcement agencies in the fighting of terrorism, both in the USA and abroad.
In October 2001, President George W. Bush signed off the USA PATRIOT Act, effectively providing federal regulators with a new range of tools and powers for fighting terror financing and money laundering. During July 2002, the US Treasury proceeded to introduce Section 326 of the PATRIOT Act, a clause that removed some key burdens for regulators and added significant enforcement muscle to the Act.
What 9/11 changed, in essence, was the extent to which existing legislation was being implemented. Using the provisions of the earlier anti-terrorism USA Act as a foundation, it included the Financial Anti-Terrorism Act, which allowed for federal jurisdiction over foreign money launders and money laundered through foreign banks. Significantly, it is this anti-terror law that would make the creation of an Anti Money Laundering (AML) programme compulsory for all financial institutions and service providers.
Section 326 of the USA PATRIOT Act dealt specifically with the identification of new customers (“CIP regulation”), and made extensive provisions in terms of KYC and the methods employed to verify client identities.
In accordance with this piece of updated KYC legislation, federal regulators would hold financial institutions accountable for the effectiveness of their initial customer identification and ongoing KYC screening. Institutions are required to keep detailed records of the steps that were taken to verify prospective clients’ identities.
Although current KYC legislation does not yet demand the exclusion of specific types of foreign-issued identification, it recommends the usage of machine-verifiable identity documents. The ability to notify financial institutions if concerns regarding specific types of identification were to arise, combined with a risk-based approach to KYC, proved to provide a robust mechanism for addressing security concerns.
Effectively, the risk-based approach to customer due diligence grants regulated institutions a certain degree of flexibility to determine the forms of identification they will accept, and under which conditions.
KYC compliance: Implications for banks, lawyers and accounting firms
The KYC compliance mandate, for all its positive outcomes, has burdened companies and organisations with a substantial administrative obligation. Additionally, KYC compliance increasingly entails the creation of auditable proof of due diligence activities, in addition to the need for customer identification.
8/10/2009 · Kategori: teknoloji
Ultrasonic concentration measurement
The process analyser PIOX® S determines the concentration or the density of liquids or further process quantities using ultrasounds. The sound velocity of the liquid is the primarily measured quantity for this task.
PIOX® S can be used to control the concentration of solutions or to monitor chemical reactions such as polymerization, crystallization, neutralization processes, phase separation processes, etc.
Through quality control or product detection, PIOX® can help you to reach higher quality and to optimize your process. Thanks to the continuous control of the process parameters, the periodical controls and spot tests belong to the past. The process can be controlled exactly, in case of the deviations from the target quantities, an immediate reaction is possible. A higher product quality is reached and the material, time and energy consumption is reduced.
The measurement can take place with wetted transducers or with non-intrusive clamp-on transducers. The clamp-on technology is ideal for the measurement of chemically aggressive, corrosive or ultrapure media.
8/10/2009 · Kategori: finans
Automated scheduling of Avaloq Banking System (ABS) and enterprise systems with UC4 Workload Automation Suite
VIENNA, February 3, 2009 – UC4 Software, a leading global provider of workload automation, job scheduling and IT process optimization solutions, today announced the certification of UC4 Workload Automation Suite for use with the Avaloq Banking System (ABS) version 2.6. The companies have also signed a partnership agreement that will enhance Avaloq to refer customers requiring a complementary scheduling and automation solution to UC4 Software.
“The certification of the UC4 adapter enables organisations to utilise a complementary technology that has been successfully tested and validated against our Model Bank environment,” said Adrian Bult, COO, Avaloq Evolution AG. “Joint customers will be able to increase the return on their existing technology investments leveraging a solution that interfaces directly with the Avaloq Banking System.”
Avaloq solutions are changing the IT landscapes within private and retail banks in Switzerland, Germany, Liechtenstein, Luxembourg, Singapore, Hong Kong and other markets. With UC4 Workload Automation Suite enterprises remove manual intervention, reduce latency and mitigate risk from their end-to-end business processes. The UC4 Business Integration for Avaloq communicates directly with ABS through application interfaces, allowing customers to extend the automated scheduling of their core banking systems and integrate with external applications.
UC4 Workload Automation Suite can manage back-end processing for ABS and all other surrounding systems that many finance institutes rely on. Avaloq users receive regular software updates which support banks in remaining compliant with industry regulations. When utilizing additional tools it is important that Avaloq users work with solutions that are compatible and certified for use with Avaloq. This reduces maintenance and support issues and allows joint customers to benefit from the enterprise wide visibility and control provided by UC4.
“It gives UC4 great pleasure to extend its relationship with Avaloq,” said Cesare Capobianco, chief executive officer, UC4 Software. “We have benefited from an excellent working partnership working towards receiving this certification. It has allowed us to develop an interface that is compliant with Avaloq’s technical specifications, which also delivers measurable business value to our joint customers.”
About Avaloq
The Avaloq Group, with branches in Luxembourg and Singapore, is the Swiss market leader in the field of standard banking software. For over a decade, the Swiss company has been developing and marketing the Avaloq Banking System. It is trusted by leading financial service providers in private, retail and universal banking in international financial centres around the globe. A network of specialists with first-class partners in the areas of implementation, software, service and technology enables Avaloq to offer its clients a comprehensive all-in-one solution – a modular, innovative and integrated standard software for the financial sector. Avaloq is owned by its management and employees.
About UC4 Software
UC4 Software is a leading global provider of workload automation, job scheduling and IT process optimization solutions that ensure core business processes and enterprise information systems run faster, more accurately and without interruption. More than 1,600 companies worldwide have successfully enhanced application processing performance and improved IT efficiency using UC4’s business acceleration solutions. Customers include American Suzuki Motor Corporation, Cadbury, eBay, Eastman Kodak, General Electric, Mattel, McGraw Hill, Panasonic, Robert Bosch, Sun Microsystems, Symantec, T-Systems and Verizon |
8/10/2009 · Kategori: moda
Fazla kilolarınıza inat ufak hilelerle ince görünmeye ne dersiniz ? Kilolarınızı dert etmeyin. Pratik öneriler ve doğru kıyafetlerle çok daha zayıf görünebilirsiniz.
Uygun kesimi seçin: Birkaç kilo fazlanız olsa bile vücudunuzu bol kıyafetlerin arkasına saklanmanıza gerek yok. Hatlarınızı gösteren kıyafetler giymekten çekinmeyin.
Doğru çorap seçimi: Bacaklarınız kalınsa sizin için en uygunu desensiz, düz ve koyu renk çorap giymektir.
Kolyeler ince gösterir: Uzun kolyeler hem dekoltenizi uzatır hem de orantıyı düzeltmenize yardım eder. Ayrıca dikkati problemli bölgelerden uzaklaştırır.
Pantolon seçimi Blazer ceketler: Bu tip ceketlerde tek sıra düğmelileri ve hafifçe bele oturanları tercih edin. Kalça ve basenleriniz iriyse, uzunca bir blazer seçin ki, fazlalıklarınız kapansın. Çift sıra düğmeli ceketler giymekten kaçının.
V yakalar: derin V yakalar zayıf görünmek isteyenler için vazgeçilmezdir. Vücudun üst bölümünü ve boynu daha ince gösterirler.
İnce görünümlü bacaklar:
Mükemmel ayakkabılar: Topuklu ayakkabılarla boyunuzu yüksek göstererek olduğunuzdan daha ince görünebilirsiniz. Topuklularla rahat edemiyorsanız platform topukları tercih edebilirsiniz.
Elbise seçerken: Kilolu bayanlar için en ideal elbiseler üst kesimi dar, eteği volanlı elbiselerdir.
Dökümlü kesimler: Bol dökümlü bir bluzla hafif problemli bölgeleri çabucak saklayabilirsiniz
.Çok dar giymeyin: Kilolular için en ideal etek kesimi, üstü dar ve aşağı doğru genişleyen kesimlerdir. Çok kalın baldırlarda eteğin uzunluğu ayak bileğine kadar olmalıdır.
Renk kombinasyonu: Tepeden tırnağa benzer renkler vücudu çok daha ince gösterir. Siyahtan vazgeçemiyorsanız, siyahla bir arada kullanılmış renklerden oluşan farklı bir parçayla kıyafetinizi kombinleyebilirsinz
« Önceki |
