As technology makes life richer and easier, we leave a trail of information that is susceptible to prying eyes
Within the next four months, a major Bay Area supermarket chain plans to introduce a payment system that uses biometric fingerprint authentication to verify customers' identities. Under this system, shoppers in checkout lines won't need to use cash, checks, debit cards or credit cards. Instead, they can place their fingers on scanners that read fingerprints, and once the device links to their bank or credit card accounts, they can buy groceries, get cash back and do everything else shoppers do.
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[Podcast: Insight Editor Jim Finefrock and reporter Jonathan Curiel talk about how Americans might as well face up the fact that there is little privacy left.]
The system is already used in cities around the United States, including Portland, Ore., and Chicago, where one shopper says it has changed his life for the better. Linc Thelen, a 37-year-old interior designer, says the fingerprint system -- known commercially as Pay By Touch -- is convenient to use and expedites his way through grocery lines at Jewel-Osco, where he shops. Thelen says the system lets people leave their wallets behind, so they don't have to worry about being robbed or losing their credit cards.
"I had no reservation," Thelen said in a phone interview. "It's a safe way to store information."
But no system is 100 percent foolproof.
Despite the fact that armed men guard the computers that store the customers' virtual fingerprints, despite the fact that Bank of America's former security chief now heads Pay By Touch's security division, and despite the fact that Pay By Touch hires people to try to expose vulnerabilities in its computer system (so those vulnerabilities can be eliminated), Pay By Touch President John Morris acknowledges that "it's not impossible" for computer hackers to figure out how to tamper with its information.
And therein lies one of the 21st century's most vexing problems: More and more of our personal data are captured and stored by corporate and government interests, and are potentially available to anyone with the technological, legal or financial means to access that information.
Whether it's phone calls we make, library books we check out, CDs we buy on the Internet or divorces we finalize in court, we leave a trail of information that becomes susceptible to prying eyes. For the price of a bus pass, you can pay a company to supply anyone's address, phone number, political affiliation, estimated income and property history. For $20 more, you can find out if that person is married or divorced, has a criminal record, and what sort of jobs he or she has worked.
Sen. Hillary Clinton, D-N.Y., says she will introduce a "privacy bill of rights" because identity theft and security failures of personal records have become "one of the most important issues facing us as individuals and as a nation."
The availability of personal information -- downloadable onto laptop computers, which are increasingly being fitted with fingerprint technology -- is changing the culture in ways that may seem trivial but are really benchmarks for a new society already in its formative stages.
A small example: Unbeknownst to the men who date her, Judy runs background checks on all of them, using a private investigator to dig out any "red flags" that would presage troubling behavior. A businesswoman in Southern California, Judy, 50, uses a company called DateSmart, whose client base has boomed in the past five years as more people confront the perils of online dating.
"I'm glad the information is out there," says Judy, who did not want her last name used because of concerns her suitors would read this article. "The men I'm talking to online are complete strangers. And I have absolutely no knowledge of their character other than what they're saying in their profiles. I need to feel comfortable knowing that they're not an ax murderer. The people you meet might be well dressed, but you never know if they have any criminal history. It's for (my) safety."
Background checks are nothing new. What's changed are the speed with which you can obtain them, their relatively small price (some companies advertise free checks) and their growing public acceptance. The information revolution has transformed the background check into a common and casual tool, and those being scrutinized probably don't have a clue. More obvious are the security cameras embedded in nearly every major American city, including New York, Milwaukee, Chicago, Atlanta, Los Angeles and, yes, San Francisco, where lenses record people's activities in such crime-ridden neighborhoods as Bayview-Hunters Point and the Western Addition. The spread of these cameras is championed by authorities, who say it reduces criminal activity, and criticized by the ACLU, which says the equipment is an unnecessary intrusion into public spaces.
Civil liberties groups have joined the widespread outcry against the government's monitoring of Americans' phone-call records. Two weeks ago in federal court, the ACLU challenged the legal rationale behind the National Security Agency program, arguing that the NSA's actions -- involving "data mining" of records provided by AT&T and other telephone companies -- violate Americans' rights to free speech and privacy as guaranteed under the First and Fourth Amendments. Last week, privacy experts raised questions about the U.S. government's monitoring of international bank transfers -- previously secret data surveillance officials say is justified by the fight against terrorism.
Americans' rights to privacy will be tested even more in the next few years as biometric technology creeps increasingly into everyday arenas. For example, on the campus of UC San Diego, biometric experts are testing a soda machine that uses both fingerprint and face-recognition technology. The machine is in a lounge for grad students in UC San Diego's computer science building.
"The students are very excited about getting it working," Serge Belongie, a UC San Diego associate professor of computer science, says in a phone interview. "People think it's very cool. ... No one uses money. They have accounts. What would be fun is if (the machine) recognizes you and says, 'Would you like your usual?' "
If UC San Diego students are reluctant to use the machine, their privacy concerns are outweighed by convenience -- a sentiment echoed in survey after survey on biometric technology. In March, Unisys Corp. released a report on public perception of "identity management" that said convenience and efficiency were the two biggest reasons consumers would use biometric technology. (The most preferred biometric methods are fingerprints and voice recognition, according to the survey. The least preferred, because of its perceived intrusiveness, is an iris or eye scan.)
Two of the biggest turnoffs for those who shun biometric technology: suspicion of how the technology works and loss of privacy. Among respondents from North America, just 56 percent said they'd be willing to share their fingerprint with a government organization such as a post office or tax authority. Among respondents from the Asia-Pacific region, 71 percent said they'd share their fingerprint with the government.
"As consumer confidence grows in the large-scale usage of (biometric technology) and standards are more generally comfortably adopted, you're going to see a pretty rapid migration" to it, says Mark Cohn, Unisys vice president for homeland security solutions.
Cohn, a principal architect of the Department of Homeland Security's US-VISIT Exit system, which uses fingerprint technology to run background checks on visa applicants and verify their entry to and arrival from the United States, says Malaysia offers a preview of how the United States may change in the coming years.
Since 2001, the Malay government has issued a biometric "multipurpose card" to Malaysians 12 years and older. The card, which features a thumbprint and photograph, acts as a passport, driver's license, ATM card, toll and parking pass, and medical record that lists blood type and any allergies.
The card is convenient to use -- but it's a nightmare for Malaysians who lose it or have it stolen. Crime syndicates in Malaysia have altered cards with different photographs and used them to give members new identities, though the Malay government insists these identity thieves can't access the original cardholders' personal information. Special chip technology and other password features prevent this, they say. Also, the cardholder's fingerprint -- rather than being visible on the card -- is encrypted in the card itself: To reveal the fingerprint, the card must be inserted into a special biometric device that compares the encrypted print with that of the person claiming to be the cardholder.
For anyone who has read Orwell's "Nineteen Eighty-Four," where "telescreens" keep track of people's lives, this new biometric technology will seem like fiction come to life. It's showing up everywhere. By the end of this year, U.S. passport agencies hope to issue "electronic passports" with computer chips that have digital photos of the holders. With the help of face-recognition machines, airport security can compare a photo with the face of the passport holder. For two years, an American corporation, VeriChip, has sold government-approved electronic chips that are inserted under people's skin to give doctors instant access to patients' medical histories.
In 2008, as mandated by the Real ID Act, states plan to issue driver's licenses linked to a database that includes each license holder's photo and Social Security number. These licenses (civil liberties groups call them national identity cards) will likely include a biometric photo of the driver accessible by authorities.
In the meantime, banks are considering using iris scans and even palm scans at ATMs in an effort to cut down on fraud. (In 1999, Bank United in Texas adopted iris-scan technology at three of its ATMs in a test that was discontinued when Washington Mutual took over the bank.)
Some people love the new technology. Others shun it.
Pay By Touch admits it has encountered some resistance among shoppers it approached in supermarkets that already use the company's fingerprint service. But Morris, its president, says many of these customers are quickly won over by the convenience of Pay By Touch, which is free for consumers, and that the company keeps data points based on users' fingerprints, not actual fingerprints. So far, supermarkets in 40 states use the Pay By Touch system.
Pay By Touch, which is based in San Francisco, wouldn't say which Bay Area supermarket chain will start using its fingerprint system in the next four months -- only that the chain will use the system in just a handful of its Bay Area stores. Pay By Touch users sign up voluntarily and are under no obligation to use it at the checkout line.
Pay By Touch says it takes great care to safeguard its users' data. After fingerprints are converted into algorithms, they're encrypted, then stored in IBM computers. Those algorithms can't be reconverted into an exact copy of the fingerprint, though Pay By Touch may eventually store users' actual fingerprints if the technology improves, Morris says. The company insists it will never sell users' personal information or fingerprints to anyone else -- a pledge that's backed up in writing when users sign up with the company. But what if federal authorities, citing national security, insist on the finger scan and payment history of a Pay By Touch user?
Pam Dixon, who heads the World Privacy Forum, a public research group, went to Chicago to warn potential Pay By Touch users about possible dangers.
"It didn't stick," she says. "People were (more) concerned with (convenience than) the potential risks. People can put their thumb on a pad and be done with it. But meanwhile, their biometric data is sitting with another company, a third party, that's subject to subpoena. One argument that I made: Let's say that every supermarket in the country, particularly the large chains, (use) a biometric payment system. It's a law enforcement dream because who needs a biometric database run by the U.S. government when you've got one being run by private companies?"
Citing the recent disclosure by the Veterans Administration, which said a computer with credit information on millions of veterans had been stolen, Dixon says, "The second issue is information security. If the VA can't keep its records secure, which is a government agency that has all sorts of strict controls that are supposed to be in place, how on Earth can a private company without the resources of something like the VA manage to keep something secure? When we have a credit card stolen, we can call the credit card company and say, 'Give me a new number.' But you can't do that with your biometric. You can't say, 'Give me a new fingerprint.' "
Morris dismisses such concerns, saying that Pay By Touch will actually decrease the likelihood that consumers' credit information is stolen or misappropriated. "I think (Pay By Touch users) get pretty rapidly that it's the ultimate way to secure their private data," he says. "It connects (their accounts) to something that's uniquely them, as opposed to handing a credit card over to a stranger or writing a personal check that seven or eight humans touch before it gets in their statement. Securing information by a biometric is a giant leap forward. (Users) like that they don't have to pull their card out anymore. They (tell us they) like that they don't have to carry their (purses or wallets) through the parking lot of an urban supermarket. There's a physical security benefit. Their numbers are never displayed. The safety of securing their data is the No. 1 thing they like."
The marketplace will determine whether the public is ready to accept commercial fingerprint identification. Investors in Pay By Touch believe that day is here, capitalizing the company with $190 million in the past 12 months. More than 2.5 million shoppers already use the Pay By Touch system. Morris envisions a day when all stores -- even mom-and-pop ones -- offer a Pay By Touch option.
Soon, customers will be able to use Pay By Touch from home with the help of fingerprint readers attached to their computers. In ancient China, rulers would put their fingerprints on documents to give them an official seal. Artists would also mark their work with prints. It wasn't until the late 1800s that authorities realized they could use fingerprints to catch criminals. Their evolution as a way to pay for groceries is a 21st century twist fueled by technology. It's also a trade-off between privacy and convenience. Welcome to the brave new world in Aisle 5.
27 Şubat 2009 Cuma
18 Şubat 2009 Çarşamba
UC4 certified for use with the Avaloq Banking System
Automated scheduling of Avaloq Banking System (ABS) and enterprise systems with UC4 Workload Automation SuiteVIENNA, 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 AvaloqThe 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 SoftwareUC4 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.
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luxury jet
Luxury Air Jets provides a full spectrum of private aviation services to people who can’t afford to waste time. We provide private jet charter flights to nearly every destination in the world on corporate jets. By using our private jet or executive jet charter services, you will avoid giant commercial airports, security lines, baggage check lines, and delayed flights. Private jet charter is with no doubt the future in private aviation. That is why we made air charter services our specialty.AIRCRAFT CHARTER - Only Four-Hour Notice!Among the benefits you get when you charter private jets, executive jet aircraft, or any luxury aircraft with us:* When you charter private jets, you pay No monthly fees, No membership costs, and No long-term investment on any charter flights.* 20-30% saving on jet charter when compared to fractional program companies.* Only four-hour notice required for all charter jet and travel arrangements.* Access to 3,500 executive jet aircraft and helicopters in over 6,000 airports worldwide.* The highest ARG/US certifications for all our aircraft.* 24-hour personalized concierge service monitoring all charter flightsLuxury Air Jets provides a full spectrum of private aviation services to people who can’t afford to waste time. We provide private jet charter flights to nearly every destination in the world on corporate jets. By using our private jet or executive jet charter services, you will avoid giant commercial airports, security lines, baggage check lines, and delayed flights. Private jet charter is with no doubt the future in private aviation. That is why we made air charter services our specialty.AIRCRAFT CHARTER - Only Four-Hour Notice!Among the benefits you get when you charter private jets, executive jet aircraft, or any luxury aircraft with us:o When you charter private jets, you pay No monthly fees, No membership costs, and No long-term investment on any charter flights.o 20-30% saving on jet charter when compared to fractional program companies.o Only four-hour notice required for all charter jet and travel arrangements.o Access to 3,500 executive jet aircraft and helicopters in over 6,000 airports worldwide.o The highest ARG/US certifications for all our aircraft.o 24-hour personalized concierge service monitoring all charter flights. AIRCRAFT MANAGEMENT - Protect Your Investment!Our services include:o Aircraft Storage, Maintenance, Inspection, and Supplemental Aircraft.o Key bi-Coastal Locations.o Aircraft Maintenance & Inspection Monitoring to assure peak conditiono The highest approval ratings from ARG/US.o Full Cycle Recruitment and training of professional flight crew.o Concierge service - All our associates receive extensive professional trainingo All Administrative Responsibilities - monthly accounting and financial reporting.o Centralized Dispatching & Flight Scheduling - Dedicated 24-hour flight coordination.o Fleet Discount Programs for aircraft parts, maintenance, and insurance.o Jet A and 100LL Fuel - LAJ negotiated savings on fuel pricing and FBO services.o Jet Charter sales - to maximize your aircraft’s revenue potential. Additional Services include Full Catering, Cabin Attendants, International Flight Planning, Crew internet access, Ground transportation for guests and crew, Cabin Cleaning Services and de-icing.AIRCRAFT SALES - Not publicly availableo Expert aircraft sourcing worldwide.o Corporate jets, executive jets, and private jets selection tailored to your needs.o Years of Long-Established Relationships.o Full analysis of your needs and requirements.o Access to an exclusive private listing of new aircraft.o Immediate delivery. SafeWe are members in good standing with all industry safety and auditing organizations. In this regard, we have aligned ourselves with industry titans such as ARG/US®, NATA® and NATA First®. Compliance with TSA as well as local and federal law enforcement agency regulations further ensure your personal security and safety while using our air charter service.TimelyOur 24 hours a day/ 7 days a week/ 365 days a year concierges are trained to exceed your expectations for all Jet charter flights, and show you the luxury of flying with us when you charter a private jet, a corporate jet, or an executive jet.Our clients include: heads of states, world leaders, entertainment celebrities, high net-worth individuals and their families, and corporate key personnel.Our trip-type include: world tours, business travel, industry travel, personal travel, celebrity travel,
16 Şubat 2009 Pazartesi
MLTrac™
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.
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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:
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KYC Document Management - The definition, scanning, management and tracking of customer documentation, and reporting of any deviations.
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KYC Account Monitoring -The tracking of movements over account(s) looking for deviations outside of a pre-determined profile.
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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 taken is maintained by the system.
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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.
11 Şubat 2009 Çarşamba
Biosensor Tools
Biosensor Tools was created by Dr. David Myszka to provide contract services and training in the application of SPR-based biosensors. SPR biosensors are used to measure the affinity and kinetics of biomolecular interactions in real time without labeling. This dynamic information about binding is key to understanding complex formation and characterizing structure/function relationships. We currently offer contract services utilizing Biacore T100, Biacore 2000, BioRad ProteOn XPR36 and FujiFilm AP-3000 high-throughput screening system. Let us know how we can contribute to your basic research and drug discovery efforts.
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5 Şubat 2009 Perşembe
Record 19 Million U.S. Homes Stood Vacant in 2008
A record 19 million U.S. homes stood empty at the end of 2008 and homeownership fell to an eight-year low as banks seized homes faster than they could sell them.The number of vacant homes climbed 6.7 percent in the fourth quarter from the same period a year ago, the U.S. Census Bureau said in a report today. The share of empty homes that are for sale rose to 2.9 percent, the most in data that goes back to 1956. The homeownership rate fell to 67.5 percent, matching the rate in the first quarter of 2001.The worst U.S. housing slump since the Great Depression is deepening as foreclosures drain value from neighboring homes and make it more likely owners will walk away from properties worth less than their mortgages. About a third of owners whose home values drop 20 percent or more below their loan principal will “hand the keys back to the bank,” said Norm Miller, director of real estate programs for the School of Business Administration at the University of San Diego.“When you’re underwater and prices continue to fall, you tend to walk,” Miller said in an interview. “It’s a downward spiral that’s tough to stop because it feeds on itself. Foreclosures encourage other foreclosures and falling prices discourage buying.”Obama’s PlansThe figures demonstrate the intensity of the U.S. housing crisis as President Barack Obama considers ways to help homeowners.The Obama administration is considering government guarantees for home loans modified by their servicers, seeking to stem the record surge of foreclosures that’s hammering U.S. property values.The proposal, which may also have taxpayers share in the cost of reducing mortgage payments, is aimed at shielding lenders from default after they loosen loan terms for struggling borrowers. Comptroller of the Currency John Dugan, who regulates national banks, said yesterday that “working out the details of it is still something that’s ongoing.”Congress and the new president are grappling with how to repair the housing market as the recession enters its second year and unemployment rises. The U.S. economy shrank the most in the fourth quarter since 1982, contracting at a 3.8 percent annual pace, the Commerce Department said on Jan. 30.Legal WranglingThe U.S. had 130.8 million housing units in the fourth quarter, including 2.23 million empty homes that were for sale, the Census report said. The vacancy rate was 3.5 percent in urban areas and 2.6 percent in suburbs, the report said.In addition, the report counted 4.1 million vacant homes for rent and 4.8 million seasonal properties.“Wealth loss and housing in combination with loss in the equity market will have ripple effects,” said George Mokrzan, senior economist at Huntington National Bank in Columbus, Ohio. “The silver lining is that while home prices are coming down, incomes have stayed about the same, and in a lot of markets we’ll hit equilibrium this year. That’s a good sign for the long term.”Most foreclosures are contained in the report’s “other” category, which includes homes tied up in legal proceedings as well as properties that are empty because the owner is renovating and living somewhere else, according to the Census Web site. There were 7.8 million homes in that category in the fourth quarter, up from 7.3 million a year earlier, the report said.Bank HoldingsThere were 2.22 million new foreclosures in 2008, an average of 6,090 a day, according to Washington-based Hope Now Alliance. Those resulted in 917,000 property sales, according to the group that represents 27 mortgage lenders and servicers.U.S. banks owned $11.5 billion of homes they seized from delinquent borrowers at the end of the third quarter, according to the Federal Deposit Insurance Corp. in Washington. That’s up from $5.4 billion a year ago.The U.S. housing market lost $3.3 trillion in value last year and almost one in six owners with mortgages owed more than their homes were worth as the economy went into recession, Zillow.com said in a report today.The median estimated home price declined 11.6 percent in 2008 to $192,119 and homeowners lost $1.4 trillion in value in the fourth quarter alone, the Seattle-based real estate data service said.
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Mobile consumption measurement with VA 400
Special features • Easy installation of the consumption sensor under pressure • Consumption sensor usable from 1/2” to 12” (DN 300) • Depth scale for accurate installation • Inner diameter adjustable via keypad • All relevant measured data on one display: Current consumption in m3/h, m3/min, l/min, l/sec or cfm Total consumption in m3, l or cf, counter resttable • Data logger for 1 mio. measured values • USB interface • Software for evaluation The DS 300 mobile is a 4 channel data recorder in a robust casing. It has two input channels for flow and dew point sensors and two input channels for analogue process signals. The internal rechargeable battery enables mains independent measurements for up to 4 hours. For long term measurements the mains supply is to be connected. The collected data can be transferred to a PC and analyzed with CS Soft
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Conrad Hotels
Luxury as unique as every guest
As the most global contemporary luxury brand of theHilton Family, Conrad Hotels & Resorts combines a proud and prestigiousheritage with a very contemporary attitude.
At its heart, Conrad is allabout offering unique experiences for discerning travellers. Individuality iswhat sets Conrad Hotels apart from its competitors.
From guests to teammembers to the hotels and resorts, Conrad is all about providing places wherepeople can truly be themselves. After all, that’s the real luxury today.
Our Vision
To be the luxury hotel of choice for discerningtravellers, creating a world that celebrates individuality in everysense.
Corporate Contacts Karen Kennedy
Director of Brand Performance,
Asia Pacific
163 Penang Road, Winsland House II
#08-01/04, Singapore
238463
Tel. +65 6833 9778
Fax +65 6833 983
1karen.kennedy@conradhotels.com
Stephanie HeerBrandMarketing Manager
9336 Civic Center DriveBeverly Hills,
CA 90210, USA
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Reeds CrescentWatford WD24 4QQ, UK
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oshy.phillips@conradhotels.com
Hotel Contacts - Asia Pacific Conrad Bali Resort & SpaMichaelBurchettGeneral ManagerJl. Pratama 68 Raya 168Tanjung Benoa Bali80363 Indonesia
Tel. +62 361 778788
Fax +62 361773888
baliinfo@conradhotels.com
Conrad Bali Resort & SpaGede GunawanDirector of Sales & MarketingJl.
Pratama 68 Raya168Tanjung Benoa Bali 80363 Indonesia
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Fax +62361773888
baliinfo@conradhotels.com
ConradBangkokManfred Pieper
General ManagerAll Seasons Place87,
Wireless RoadBangkok 10330 Thailand
Tel. +66 2 690 9999
Fax +662 6909000
pieper@conradbangkok.com
Conrad BangkokTBCDirector of Sales & MarketingAll
Seasons Place 87,
Wireless RoadBangkok 10330 Thailand
Tel. +66 2 690 9999
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bangkokinfo@conradhotels.com
Conrad CentennialSingaporeHeinrich Grafe
General ManagerTwo TemasekBoulevardSingapore 038982
Tel. +65 6334 8888
Fax +65 63339166
singaporeinfo@conradhotels.com
Conrad Centennial SingaporeTheresa
ChooDirector of Sales & MarketingTwo Temasek
BoulevardSingapore 038982
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singaporeinfo@conradhotels.com
Conrad HongKongDennis ClarkeArea VP,
Asia & Managing DirectorConrad Hong KongPacific
Place 88 QueenswayHong Kong China
Tel.+852 2521 3838
Fax +852 25213888
hongkonginfo@conradhotels.com
Conrad Hong KongTBCDirector of
Sales & MarketingPacific Place 88
QueenswayHongKong China
Tel. +852 2521 3838
Fax +852 25213888
hongkonginfo@conradhotels.com
Conrad JupitersGold CoastVince King
General ManagerPO Box 1515Broadbeach Island,
BroadbeachQueensland 4218 Australia
Tel. +61 75 5921133
Fax +61 75 5928219
goldcoastinfo@conradhotels.com
Conrad Jupiters Gold CoastTBCDirector of
SalesPO Box 1515 Broadbeach Island,
BroadbeachQueensland 4218 Australia
Tel. +61 75 592 1133
Fax +61 75 5928219
goldcoastinfo@conradhotels.com
ConradTokyoGregor Andreewitch
General Manager1-9-1Higashi-Shinbashi
Minato-ku,Tokyo 105-7337 Japan
Tel. +81 3 6388 8000
Fax +82 3 63888001
Gregor.Andreewitch@conradhotels.com
Conrad TokyoNaoki OtoDirector of
Business Development1-9-1
Higashi-Shinbashi Minato-ku,Tokyo 105-7337 Japan
Tel. +81 3 6388 8000
Fax +82 3 63888001
tokyoinfo@conradhotels.com
Conrad TreasuryBrisbaneChris McBride
General Manager130 William StreetBrisbane,
Queensland 4000 Australia
Tel. +61 7 3306 88 88
Fax +61 73306 88 80
brisbaneinfo@conradhotels.com
Conrad Treasury BrisbaneJohnBertram
Director of Sales & Marketing130 William StreetBrisbane,
Queensland 4000 Australia
Tel. +61 7 3306 88 88
Fax +61 73306 88 80
brisbaneinfo@conradhotels.com
Hotel Contacts - Europe Conrad
BrusselsMarc de BeerGeneralManagerAvenue Louise,
711050 Brussels, Belgium
Tel. +32 2 542 4242
Fax +32 2 542 4200
brusselsinfo@conradhotels.com
Conrad BrusselsCharlesGay-ParaDirector of SalesAvenue Louise,
711050 Brussels, Belgium
Tel. +32 2 542 48 92
Fax +32 2 542 48 12
brusselsinfo@conradhotels.com
ConradDublinMartin Mangan
General ManagerEarlsfoot TerraceDublin 2,
Ireland
Tel. +353 1 602 89 00
Fax +353 1 676 5424
dublininfo@conradhotels.com
Conrad IstanbulJean-Sebastien KlingGeneral Manager
Yildiz Caddesi, Besiktas34353 Istanbul, Turkey
Tel. +90 212 227 3000
Fax +90 212 227 3407
js.kling@conradhotels.com
Mount JulietConradWilliam Kirby
General ManagerThomastown CountyKilkenny Ireland
Tel. +353 56 777 30 00
Fax +353 56 777 30 19
mountjulietinfo@conradhotels.com
Conrad Istanbul
BurcuYatmazogluMarketing ManagerYildiz Caddesi,
Besiktas34353Istanbul, Turkey
Tel. +90 212 227 3000
Fax +90 212 227 3406
Burcu.Yatmazoglu@conradhotels.com
Hotel Contacts - Middle East & Africa Conrad CairoKevinBrett
General ManagerPO Box 2044 - Ataba 1911
Corniche El Nil11221Cairo, EgyptT
el. +202 2580 8000
Fax +202 2579 8080
cairoinfo@conradhotels.com
Conrad CairoNaserMokhtarDirector of Sales & MarketingPO
Box 2044 - Ataba 1911Corniche El Nil11221 Cairo, Egypt
Tel. +202 2580 8000
Fax +202 25798080
cairoinfo@conradhotels.com
Hotel Contacts - The Americas Conrad ChicagoRussell Menkes
GeneralManager521 North Rush Street at
Michigan AvenueChicago, IL 60611,United States
Tel. +1 312 645 1500
Fax +1 312 645 1550
chicagoinfo@conradhotels.com
Conrad ChicagoCaryn F.GranzowDirector of Sales & Marketing
521 North Rush Street atMichigan AvenueChicago, IL 60611, United States
Tel. +1 312 896 7466
Fax +1 312 327 0598
chicagoinfo@conradhotels.com
ConradIndianapolisGreg TinsleyGeneral Manager50
W.Washington StreetIndianapolis, IN 46204, United States
Tel. +1 317 7135000
Fax +1 317 6383687
indianapolisinfo@conradhotels.com
Conrad IndianapolisPhilippeThevenetDirector of Sales & Marketing50
W. Washington StreetIndianapolis, IN 46204, United States
Tel. +1 317 524 2505
Fax +1317 638 3687
philippe.thevenet@conradindianapolis.comConrad
MiamiRobert ThrailkillGeneralManagerEspirito Santo Plaza
1395 - 1401 Brickell AvenueMiami, Florida33131
Tel. +1 305 503 6500
Fax +1 305 5036599
miamiinfo@conradhotels.com
Conrad MiamiMari GarciaDirector of Sales & Marketing
Espirito Santo Plaza 1395 - 1401Brickell AvenueMiami, Florida 33131
Tel. +1 305 503 6500
Fax +1 305503 6599
miamiinfo@conradhotels.com
Conrad Punta Del EsteResort & CasinoJorge Serna
General ManagerParada 4,La MansaPunta del Este 20100 Uruguay
Tel. +598 42 49 1111
Fax +59842 48 9999
puntadelesteinfo@conradhotels.com
Conrad Punta Del Este Resort &CasinoDavid Goldfein
Director of Sales & MarketingParada 4, La MansaPunta del Este 20100 Uruguay
Tel. +598 42 49 1111
Fax +598 42 48 9999
puntadelesteinfo@conradhotels.com
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As the most global contemporary luxury brand of theHilton Family, Conrad Hotels & Resorts combines a proud and prestigiousheritage with a very contemporary attitude.
At its heart, Conrad is allabout offering unique experiences for discerning travellers. Individuality iswhat sets Conrad Hotels apart from its competitors.
From guests to teammembers to the hotels and resorts, Conrad is all about providing places wherepeople can truly be themselves. After all, that’s the real luxury today.
Our Vision
To be the luxury hotel of choice for discerningtravellers, creating a world that celebrates individuality in everysense.
Corporate Contacts Karen Kennedy
Director of Brand Performance,
Asia Pacific
163 Penang Road, Winsland House II
#08-01/04, Singapore
238463
Tel. +65 6833 9778
Fax +65 6833 983
1karen.kennedy@conradhotels.com
Stephanie HeerBrandMarketing Manager
9336 Civic Center DriveBeverly Hills,
CA 90210, USA
Tel. +1 310 205 8613
Fax +1 310 205 786
1stephanie.heer@hilton.com
Oshy PhillipsBrand PR/CommunicationsManagerMaple Court,
Reeds CrescentWatford WD24 4QQ, UK
Tel. +44020 7856 8261
Fax +44 207 856 8418
oshy.phillips@conradhotels.com
Hotel Contacts - Asia Pacific Conrad Bali Resort & SpaMichaelBurchettGeneral ManagerJl. Pratama 68 Raya 168Tanjung Benoa Bali80363 Indonesia
Tel. +62 361 778788
Fax +62 361773888
baliinfo@conradhotels.com
Conrad Bali Resort & SpaGede GunawanDirector of Sales & MarketingJl.
Pratama 68 Raya168Tanjung Benoa Bali 80363 Indonesia
Tel. +62 361 778788
Fax +62361773888
baliinfo@conradhotels.com
ConradBangkokManfred Pieper
General ManagerAll Seasons Place87,
Wireless RoadBangkok 10330 Thailand
Tel. +66 2 690 9999
Fax +662 6909000
pieper@conradbangkok.com
Conrad BangkokTBCDirector of Sales & MarketingAll
Seasons Place 87,
Wireless RoadBangkok 10330 Thailand
Tel. +66 2 690 9999
Fax +66 2 6909000
bangkokinfo@conradhotels.com
Conrad CentennialSingaporeHeinrich Grafe
General ManagerTwo TemasekBoulevardSingapore 038982
Tel. +65 6334 8888
Fax +65 63339166
singaporeinfo@conradhotels.com
Conrad Centennial SingaporeTheresa
ChooDirector of Sales & MarketingTwo Temasek
BoulevardSingapore 038982
Tel. +65 6334 8888
Fax +65 63339166
singaporeinfo@conradhotels.com
Conrad HongKongDennis ClarkeArea VP,
Asia & Managing DirectorConrad Hong KongPacific
Place 88 QueenswayHong Kong China
Tel.+852 2521 3838
Fax +852 25213888
hongkonginfo@conradhotels.com
Conrad Hong KongTBCDirector of
Sales & MarketingPacific Place 88
QueenswayHongKong China
Tel. +852 2521 3838
Fax +852 25213888
hongkonginfo@conradhotels.com
Conrad JupitersGold CoastVince King
General ManagerPO Box 1515Broadbeach Island,
BroadbeachQueensland 4218 Australia
Tel. +61 75 5921133
Fax +61 75 5928219
goldcoastinfo@conradhotels.com
Conrad Jupiters Gold CoastTBCDirector of
SalesPO Box 1515 Broadbeach Island,
BroadbeachQueensland 4218 Australia
Tel. +61 75 592 1133
Fax +61 75 5928219
goldcoastinfo@conradhotels.com
ConradTokyoGregor Andreewitch
General Manager1-9-1Higashi-Shinbashi
Minato-ku,Tokyo 105-7337 Japan
Tel. +81 3 6388 8000
Fax +82 3 63888001
Gregor.Andreewitch@conradhotels.com
Conrad TokyoNaoki OtoDirector of
Business Development1-9-1
Higashi-Shinbashi Minato-ku,Tokyo 105-7337 Japan
Tel. +81 3 6388 8000
Fax +82 3 63888001
tokyoinfo@conradhotels.com
Conrad TreasuryBrisbaneChris McBride
General Manager130 William StreetBrisbane,
Queensland 4000 Australia
Tel. +61 7 3306 88 88
Fax +61 73306 88 80
brisbaneinfo@conradhotels.com
Conrad Treasury BrisbaneJohnBertram
Director of Sales & Marketing130 William StreetBrisbane,
Queensland 4000 Australia
Tel. +61 7 3306 88 88
Fax +61 73306 88 80
brisbaneinfo@conradhotels.com
Hotel Contacts - Europe Conrad
BrusselsMarc de BeerGeneralManagerAvenue Louise,
711050 Brussels, Belgium
Tel. +32 2 542 4242
Fax +32 2 542 4200
brusselsinfo@conradhotels.com
Conrad BrusselsCharlesGay-ParaDirector of SalesAvenue Louise,
711050 Brussels, Belgium
Tel. +32 2 542 48 92
Fax +32 2 542 48 12
brusselsinfo@conradhotels.com
ConradDublinMartin Mangan
General ManagerEarlsfoot TerraceDublin 2,
Ireland
Tel. +353 1 602 89 00
Fax +353 1 676 5424
dublininfo@conradhotels.com
Conrad IstanbulJean-Sebastien KlingGeneral Manager
Yildiz Caddesi, Besiktas34353 Istanbul, Turkey
Tel. +90 212 227 3000
Fax +90 212 227 3407
js.kling@conradhotels.com
Mount JulietConradWilliam Kirby
General ManagerThomastown CountyKilkenny Ireland
Tel. +353 56 777 30 00
Fax +353 56 777 30 19
mountjulietinfo@conradhotels.com
Conrad Istanbul
BurcuYatmazogluMarketing ManagerYildiz Caddesi,
Besiktas34353Istanbul, Turkey
Tel. +90 212 227 3000
Fax +90 212 227 3406
Burcu.Yatmazoglu@conradhotels.com
Hotel Contacts - Middle East & Africa Conrad CairoKevinBrett
General ManagerPO Box 2044 - Ataba 1911
Corniche El Nil11221Cairo, EgyptT
el. +202 2580 8000
Fax +202 2579 8080
cairoinfo@conradhotels.com
Conrad CairoNaserMokhtarDirector of Sales & MarketingPO
Box 2044 - Ataba 1911Corniche El Nil11221 Cairo, Egypt
Tel. +202 2580 8000
Fax +202 25798080
cairoinfo@conradhotels.com
Hotel Contacts - The Americas Conrad ChicagoRussell Menkes
GeneralManager521 North Rush Street at
Michigan AvenueChicago, IL 60611,United States
Tel. +1 312 645 1500
Fax +1 312 645 1550
chicagoinfo@conradhotels.com
Conrad ChicagoCaryn F.GranzowDirector of Sales & Marketing
521 North Rush Street atMichigan AvenueChicago, IL 60611, United States
Tel. +1 312 896 7466
Fax +1 312 327 0598
chicagoinfo@conradhotels.com
ConradIndianapolisGreg TinsleyGeneral Manager50
W.Washington StreetIndianapolis, IN 46204, United States
Tel. +1 317 7135000
Fax +1 317 6383687
indianapolisinfo@conradhotels.com
Conrad IndianapolisPhilippeThevenetDirector of Sales & Marketing50
W. Washington StreetIndianapolis, IN 46204, United States
Tel. +1 317 524 2505
Fax +1317 638 3687
philippe.thevenet@conradindianapolis.comConrad
MiamiRobert ThrailkillGeneralManagerEspirito Santo Plaza
1395 - 1401 Brickell AvenueMiami, Florida33131
Tel. +1 305 503 6500
Fax +1 305 5036599
miamiinfo@conradhotels.com
Conrad MiamiMari GarciaDirector of Sales & Marketing
Espirito Santo Plaza 1395 - 1401Brickell AvenueMiami, Florida 33131
Tel. +1 305 503 6500
Fax +1 305503 6599
miamiinfo@conradhotels.com
Conrad Punta Del EsteResort & CasinoJorge Serna
General ManagerParada 4,La MansaPunta del Este 20100 Uruguay
Tel. +598 42 49 1111
Fax +59842 48 9999
puntadelesteinfo@conradhotels.com
Conrad Punta Del Este Resort &CasinoDavid Goldfein
Director of Sales & MarketingParada 4, La MansaPunta del Este 20100 Uruguay
Tel. +598 42 49 1111
Fax +598 42 48 9999
puntadelesteinfo@conradhotels.com
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Add Scanning Capabilites to Your Huntron Tracker Model 30 System
Add Scanning Capabilites to Your Huntron Tracker Model 30 SystemAddinga Huntron® Scanner to your Tracker Model 30 system lets you access componentsusing standard DIP clips and cables, custom cables to PCB connectors orinterface to a bed-of-nails.You can compare one component with another inreal-time (64 pins max.) or use your PC to automate testing and scan up to 128pins.Huntron Scanners can be used with a Huntron Access Prober to provide Commonline connections while the Prober is probing a PCB. This method gives you up to128 selectable Commons to use. For example, you can connect the Scanner to aconnector on a PCB mounted in the Prober using a common ribbon style cable.While the Prober is probing, any one of the lines on the connected ribbon cablecan be selected as the Common reference. This would provide you truepoint-to-point testing capabilities.Note: The ProTrack Scanner will be replacedby the Scanner II and/or the Scanner 31S effective 1/1/2008. This applies tocommercial sales only.Scanner II and Scaner 31S users may want to consider theseOptional Accessories to enhance their testcapabilities.Highlights:Desing By kuzey....The Scanner II and Scanner31S accessories add scanning capability to the Tracker Model 30All Scannershave a minimum 64 pin capabilityThe Scanner II can scan up to 128 pins whenthe A and B channels are combinedThe Scanner 31S use standard IDC styleconnectorsThe Scanner II uses the common SCSI-2 (68 pin) style connectorsUp to 8 Scanner IIs can be “daisy-chained” to increase the available numberof test pinsSelecting Accessories for your Scanner IIThe Scanner IIaccessories for interfacing to your printed circuit board come "ala carte". Thismeans that you select the accessories you want included with your Scanner.Choose from SMT or through-hole style DIP clip and cable kits (Scanner Adapterrequired with Scanner II) or a mutli-pin breakout cable. Details on theseaccessories are provided on this page
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IBM to send blazing fast supercomputer to Energy Dept.
IBM to send blazing fast supercomputer to Energy Dept.
This story has been edited since it was published. See below for details.IBM plans to announce on Tuesday that it will supply the world's fastest supercomputer to the U.S. Department of Energy in the next few years, according to numerous reports.Not only will the machine, called Sequoia, be the fastest supercomputer to date, it will blow the current record-holder out of the water. IBM's Roadrunner, located at the U.S. Department of Energy's Los Alamos National Laboratory, was the first system to reach 1.026 petaflops (a petaflop is equal to a quadrillion calculations per second; the "flops" stands for floating point operations per second). But only seven months after the Roadrunner took top honors on a twice-yearly list of the world's fastest supercomputers, IBM is announcing that its successor will outdo it by an order of magnitude. Sequoia will be able to work at a staggering 20 petaflops, the equivalent of the computing power of 2 million laptops according to Reuters.IBM says it plans to deliver the Sequoia to the Energy Department for use at the Lawrence Livermore National Laboratory. The supercomputer will run simulations to test the soundness of the nation's stockpile of nuclear weaponry, according to the IDG News Service.Editor's note: When it was initially published, this story cited data from another publication about Sequoia's energy usage. Several readers doubted the validity of the data, and I have not been able to confirm the figures. For now, that information has been removed.
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This story has been edited since it was published. See below for details.IBM plans to announce on Tuesday that it will supply the world's fastest supercomputer to the U.S. Department of Energy in the next few years, according to numerous reports.Not only will the machine, called Sequoia, be the fastest supercomputer to date, it will blow the current record-holder out of the water. IBM's Roadrunner, located at the U.S. Department of Energy's Los Alamos National Laboratory, was the first system to reach 1.026 petaflops (a petaflop is equal to a quadrillion calculations per second; the "flops" stands for floating point operations per second). But only seven months after the Roadrunner took top honors on a twice-yearly list of the world's fastest supercomputers, IBM is announcing that its successor will outdo it by an order of magnitude. Sequoia will be able to work at a staggering 20 petaflops, the equivalent of the computing power of 2 million laptops according to Reuters.IBM says it plans to deliver the Sequoia to the Energy Department for use at the Lawrence Livermore National Laboratory. The supercomputer will run simulations to test the soundness of the nation's stockpile of nuclear weaponry, according to the IDG News Service.Editor's note: When it was initially published, this story cited data from another publication about Sequoia's energy usage. Several readers doubted the validity of the data, and I have not been able to confirm the figures. For now, that information has been removed.
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Kredit und Kreditvergleich
Der Trend zur Nutzung zinsgünstiger Online-Kredite ist ungebrochen. Besonders Direktbanken glänzen hier mit niedrigen Zinsen und guten Konditionen. Durch den Verzicht auf ein kostspieliges Filialnetz können sie ihre Kosten niedriger halten, was sich direkt im Zinsniveau der angebotenen Darlehen bemerkbar macht.Dabei ist es egal, ob Sie auf der Suche nach einem Kleinkredit, einem Angebot für eine Kfz-Finanzierung oder einem Darlehen für Selbstständige sind, Direktbanken sind fast immer günstiger als entsprechende Filialbanken.Eine Auswahl günstiger Kredite dieser Banken haben wir daher in unserem Kreditvergleich für Sie zusammengestellt und nach allen wichtigen Merkmalen wie Zinssatz, angebotenen Laufzeiten, minimaler bzw. maximaler Kreditsumme und Dauer der Kreditzusage verglichen. In der Spalte "Besonderheiten" unseres Kredit-Vergleichs haben wir dabei für jedes der vorgestellten Angebote besondere Merkmale aufgelistet.
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4 Şubat 2009 Çarşamba
MRCKREDIT.NL
Mister Credit is, als onderdeel van World of Credit BV, een grote onafhankelijke tussenpersoon en specialist op het gebied van consumptief krediet.Wij hebben geen dure kantoorpanden of sponsorcontracten. Wij zijn een organisatie die lenen zo goedkoop en efficient mogelijk voor u maakt.Snelheid van handelen, kwaliteit van advies en toegevoegde waarde voor de klant zijn kernwaarden binnen onze organisatie. Met een team ervaren en gediplomeerde specialisten zijn wij u graag van dienst.Ervaar wat wij voor u kunnen betekenen en vraag een vrijblijvende offerte aan. Een goede offerte kost u niets, het kan u alleen maar opleveren!Of het nu gaat om de aanschaf van een auto, keuken of caravan voor elk doel is er een passende lening.Verantwoord lenen in 3 stappen:vraag een vrijblijvende offerte aanontvang een offerte via emailstuur de benodigde stukken terugDuidelijker kan het niet.Dus wilt u besparen op uw lening of (extra) geld lenen, vraag een vrijblijvende offerte aan.World of Credit is ingeschreven bij de Autoriteit Financiële Markten (AFM), onder meer als bemiddelaar in consumptief krediet onder nummer 12015756. Tevens is World of Credit lid van de Nederlandse Vereniging van Financieringsadviseurs (NVF).
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KREDIT EN FINANS
Barack Obama’s picksBarack Obama’s picks for cabinet and other senior posts are many things: centrists, veterans, rivals. Most of all, though, they’re big: Big names, big intellects, and big egos.The president-elect’s national security and economic policy teams, inside the White House and out, will be led by power politics veterans, all but one of them older than the president-elect, and all accustomed to being the most important voice in the room.While official announcements and Senate confirmations await, it appears that on national security decisions, Obama will have a team of heavyweights: Secretary of State Hillary Clinton, Defense Secretary Robert Gates, Vice President Joe Biden, retired four-star Marine general Jim Jones as his National Security Adviser, and four-star General David Petraeus as chief of U.S. Central Command.His economic team is of similar stature: new Treasury Secretary Timothy Geithner will find his rival for the job, Larry Summers, in the White House, while former Federal Reserve Chairman Paul Volcker will also be in the mix as head of a new economic recovery advisory board.White House Chief of Staff Rahm Emanuel seems unlikely to be shy about his views in either arena.What's most important about that list is just how damn qualified everyone is. Not a political hack or pushover among them.(Well, other than Petraeus, who still leaves me wondering if he's anything more than a yes-man for whichever politician he's currently trying to curry favor with.) Our government is back in the hands of the adults. Of people who prefer to actually put country first, rather than simply bragging about it but never actually following through.Hire our Wall Street and City bankers! Let them work their magic on the Shanghai market, which is down over 60% from its 52 week high. Please, take them all before they strike again in our markets.Officials from Shanghai, China's financial hub, will travel to the United States and Europe next month on a recruiting mission, potentially offering jobs to fund managers, policy analysts and others left jobless by the financial crisis.Wu Jianrong, deputy director of the Shanghai Financial Service Office, told the official Xinhua news agency on Friday that the delegation would go to London, Chicago and New York in search of employees.
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Moneyweb
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 vormenDoorlopend 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 bankpasOversluiten 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 leningWat 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 looptijdVaste 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.SpaarkredietEen 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.RentekredietEen 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
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1 Şubat 2009 Pazar
AFM (Autoriteit Financiële Markten) Vergunning.
Dit betekent dat wij als één van de weinigen voldoen aan alle door de AFM gestelde eisen, zoals op deskundigheid en integere bedrijfsvoering. Hierdoor bent u ervan verzekerd dat de investeringen bij GoedInvesteren streng worden gecontroleerd. Hieronder vindt u een afbeelding van de webpagina van de AFM waar onze vergunning op vermeld staat.De AFM heeft op 10-10-2007 de vergunning aan GoedInvesteren verleend in het kader van de nieuwe wet Wft. Hiermee behoort GoedInvesteren tot de selecte groep van aanbieders van beleggingsobjecten die voldoen aan de eisen van de AFM (6 van de 44 aanvragers).
Wat houdt de AFM vergunning in?
De nieuwe wet Wft is door de regering opgesteld ter bescherming van consumentenbelangen op het gebied van beleggingen. De Autoriteit Financiële Markten (AFM) controleert procedures en informatievoorziening nauwlettend. Tevens wordt de financiële vastlegging en verantwoording van de geld- en goederen stromen volgens vaste regels bestudeerd om te controleren of de inleg van investeerders wordt aangewend zoals vermeld in onze beleggingsprospectussen.
De AFM controleert of de gelden naar de juiste rekeningen worden overgemaakt. Ook de reservering voor onderhoud bij Stichting GoedInvesteren wordt op die manier streng gecontroleerd. De controle op financiële zekerheid, transparantie en zorgplicht vallen onder het doorlopend toezicht van de AFM. Deze controle wordt periodiek gedaan onder andere om te controleren of alle investeringen op de juiste wijze worden gebruikt. Overigens heeft GoedInvesteren de laagste overheadkosten. Wij besteden dus extra veel geld aan uw bomen en het onderhoud.
Wat ook erg belangrijk is dat de AFM controleert of de aanbieder alles met betrekking tot de plantage in overeenkomsten heeft vastgelegd. Alle zaken die betrekking hebben op bedrijfsvoering, financiën en onderhoud moeten duidelijk vastgelegd zijn. Een jaarlijks verplicht gestelde controle van de plantages door een onafhankelijke taxateur maakt daar onderdeel vanuit. Van deze jaarlijkse taxaties ontvangt u als investeerder elk jaar een afschrift zodat u exact weet hoe uw investering erbij staat.
Hoe kan ik controleren of een aanbieder een vergunning heeft?
Er zijn tot nu toe slechts 6 van de 44 aanvragers in onze branche die een vergunning hebben gekregen. Er zijn nog maar een paar aanvragen in behandeling, de rest is al afgewezen, dus veel vergunningen zullen er niet meer bijkomen. Dat maar weinig aanbieders deze vergunning hebben verkregen was te verwachten en geeft u als investeerder nu eindelijk de mogelijkheid om een duidelijk onderscheid te kunnen maken tussen gecontroleerde en niet-gecontroleerde aanbieders. Degenen die geen vergunning krijgen, mogen namelijk niet meer doorgaan met verkopen van hun investeringsprojecten onder de Wft. Vraagt u dan ook altijd of de aanbieder waarmee u in zee wilt gaan beschikt over een AFM vergunning. Of bel de AFM op tel.nr. 0900-540 0540.
Kan een bedrijf zonder vergunning toch investeringen aanbieden?
Er is helaas nog een gat in de wetgeving die verkoop zonder enig toezicht (!!) onder bepaalde voorwaarden mogelijk maakt! Dit is de zogenoemde vrijstellingregeling. Door gebruik (lees: misbruik) van deze regeling te maken wordt men totaal niet gecontroleerd op financiële huishouding, deskundigheid, bedrijfsvoering, etc! En men ‘mag’ (kan) ook alles beweren wat men maar wil! Daarom vindt u vaak bij de partijen zonder vergunning zeer hoge rendementen zonder goede onderbouwing!Met name in de vastgoed wordt van deze vrijstelling al veel gebruik van gemaakt. Slechts 10 van de 90 vastgoedprojecten heeft een vergunning.
In de vrijstellingsregeling staat dat men niet onder de Wft valt als een bedrijf investeringsprojecten aanbiedt waarbij een investeerder minimaal € 50.000 moet investeren om te kunnen deelnemen. De AFM is – net als GoedInvesteren - niet gelukkig met deze regeling. De AFM controleert de wetgeving maar stelt deze niet op, dat doet de overheid. De gedachte achter deze regel is dat mensen die € 50.000 kunnen investeren zelf wel kunnen (laten) controleren met wie ze in zee gaan. Echter de ervaring leert, dat dit niet zo werkt in de praktijk omdat de drempel veel te laag is. Begin oktober zijn hier kamervragen over gesteld.Een andere vrijstellingsmogelijkheid is de grens van maximaal € 2.500.000 per jaar en per project. Door regelmatig ‘nieuwe‘ relatief kleine projecten aan te bieden kan men toch nog steeds veel geld bij investeerders ophalen, zonder enige verantwoording te hoeven afleggen aan wie dan ook. Er is dus totaal geen controle (ook niet door de AFM).
GoedInvesteren dringt er bij de overheid en de AFM op aan dat deze gaten in de wetgeving, snel worden gedicht. Aanbieders die gebruik maken van deze vrijstellingsmogelijkheden staan nergens geregistreerd en staan niet onder vergunning en controle van de AFM. Investeerders blijven hierdoor grote risico's lopen en worden al gauw de dupe van dubieuze aanbieders, zoals de vastgoed aanbieders die recentelijk in het nieuws waren.
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Wat houdt de AFM vergunning in?
De nieuwe wet Wft is door de regering opgesteld ter bescherming van consumentenbelangen op het gebied van beleggingen. De Autoriteit Financiële Markten (AFM) controleert procedures en informatievoorziening nauwlettend. Tevens wordt de financiële vastlegging en verantwoording van de geld- en goederen stromen volgens vaste regels bestudeerd om te controleren of de inleg van investeerders wordt aangewend zoals vermeld in onze beleggingsprospectussen.
De AFM controleert of de gelden naar de juiste rekeningen worden overgemaakt. Ook de reservering voor onderhoud bij Stichting GoedInvesteren wordt op die manier streng gecontroleerd. De controle op financiële zekerheid, transparantie en zorgplicht vallen onder het doorlopend toezicht van de AFM. Deze controle wordt periodiek gedaan onder andere om te controleren of alle investeringen op de juiste wijze worden gebruikt. Overigens heeft GoedInvesteren de laagste overheadkosten. Wij besteden dus extra veel geld aan uw bomen en het onderhoud.
Wat ook erg belangrijk is dat de AFM controleert of de aanbieder alles met betrekking tot de plantage in overeenkomsten heeft vastgelegd. Alle zaken die betrekking hebben op bedrijfsvoering, financiën en onderhoud moeten duidelijk vastgelegd zijn. Een jaarlijks verplicht gestelde controle van de plantages door een onafhankelijke taxateur maakt daar onderdeel vanuit. Van deze jaarlijkse taxaties ontvangt u als investeerder elk jaar een afschrift zodat u exact weet hoe uw investering erbij staat.
Hoe kan ik controleren of een aanbieder een vergunning heeft?
Er zijn tot nu toe slechts 6 van de 44 aanvragers in onze branche die een vergunning hebben gekregen. Er zijn nog maar een paar aanvragen in behandeling, de rest is al afgewezen, dus veel vergunningen zullen er niet meer bijkomen. Dat maar weinig aanbieders deze vergunning hebben verkregen was te verwachten en geeft u als investeerder nu eindelijk de mogelijkheid om een duidelijk onderscheid te kunnen maken tussen gecontroleerde en niet-gecontroleerde aanbieders. Degenen die geen vergunning krijgen, mogen namelijk niet meer doorgaan met verkopen van hun investeringsprojecten onder de Wft. Vraagt u dan ook altijd of de aanbieder waarmee u in zee wilt gaan beschikt over een AFM vergunning. Of bel de AFM op tel.nr. 0900-540 0540.
Kan een bedrijf zonder vergunning toch investeringen aanbieden?
Er is helaas nog een gat in de wetgeving die verkoop zonder enig toezicht (!!) onder bepaalde voorwaarden mogelijk maakt! Dit is de zogenoemde vrijstellingregeling. Door gebruik (lees: misbruik) van deze regeling te maken wordt men totaal niet gecontroleerd op financiële huishouding, deskundigheid, bedrijfsvoering, etc! En men ‘mag’ (kan) ook alles beweren wat men maar wil! Daarom vindt u vaak bij de partijen zonder vergunning zeer hoge rendementen zonder goede onderbouwing!Met name in de vastgoed wordt van deze vrijstelling al veel gebruik van gemaakt. Slechts 10 van de 90 vastgoedprojecten heeft een vergunning.
In de vrijstellingsregeling staat dat men niet onder de Wft valt als een bedrijf investeringsprojecten aanbiedt waarbij een investeerder minimaal € 50.000 moet investeren om te kunnen deelnemen. De AFM is – net als GoedInvesteren - niet gelukkig met deze regeling. De AFM controleert de wetgeving maar stelt deze niet op, dat doet de overheid. De gedachte achter deze regel is dat mensen die € 50.000 kunnen investeren zelf wel kunnen (laten) controleren met wie ze in zee gaan. Echter de ervaring leert, dat dit niet zo werkt in de praktijk omdat de drempel veel te laag is. Begin oktober zijn hier kamervragen over gesteld.Een andere vrijstellingsmogelijkheid is de grens van maximaal € 2.500.000 per jaar en per project. Door regelmatig ‘nieuwe‘ relatief kleine projecten aan te bieden kan men toch nog steeds veel geld bij investeerders ophalen, zonder enige verantwoording te hoeven afleggen aan wie dan ook. Er is dus totaal geen controle (ook niet door de AFM).
GoedInvesteren dringt er bij de overheid en de AFM op aan dat deze gaten in de wetgeving, snel worden gedicht. Aanbieders die gebruik maken van deze vrijstellingsmogelijkheden staan nergens geregistreerd en staan niet onder vergunning en controle van de AFM. Investeerders blijven hierdoor grote risico's lopen en worden al gauw de dupe van dubieuze aanbieders, zoals de vastgoed aanbieders die recentelijk in het nieuws waren.
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High Flow Range Mass Coriolis
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 to60K 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 RELIABLEThis meter has the ability tomaintain 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-TASKINGThe 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.
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Flow ranges from 60 to60K 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 RELIABLEThis meter has the ability tomaintain 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-TASKINGThe 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.
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PEI-Genesis Offers ITT VEAM Rail-Industry Connectors with 48-hour Assembly Service
PEI-Genesis Offers ITT VEAM Rail-Industry Connectors with 48-hour Assembly Service (Formerly Litton Connectors)
VEAM connectors (formerly Litton-Veam) assembled in 48 hours.PEI-Genesis is the world largest distributor of ITT’s VEAM CIR and VEAM FR CIR (fire retardant) connector series of multipin circular connectors. Now engineers and buyers in the rail sector obtain the exact connector for their requirement in the shortest possible time and without the burden of minimum order quantities; PEI-Genesis will happily build just one connector if that is all you need
VEAM CIR Series ConnectorsThe basic design parameters of the VEAM CIR series were derived from the MIL-C-5015 military specification and enhanced by the addition of a positive-lock/quick-disconnect bayonet coupling mechanism. High shock and vibration resistance is achieved without the need for lock wires, and the connectors are rated for a minimum of 2000 couplings. VEAM CIR connectors are available in an enormous range of styles, shell sizes and contact arrangements and can be supplied in a wide variety of materials and finishes to suit the demands of each particular application. It’s also intermateable with VG95234.
Add-ons for Veam Cir ConnectorsITT Cannon’s VEAM CIR connectors can also be specified with various inserts to meet low-smoke/zero-halogen requirements and provide superior resistance to fuel oils, solvents and elevated temperatures. For more details, call PEI-Genesis and talk to one of our applications engineers.
To check our inventory, input a part number in the bar above.
To order a VEAM CIR Catalog, click here.
View specifications from the PEI-Genesis ITT Cannon VEAM CIR Catalog
VEAM connectors (formerly Litton-Veam) assembled in 48 hours.PEI-Genesis is the world largest distributor of ITT’s VEAM CIR and VEAM FR CIR (fire retardant) connector series of multipin circular connectors. Now engineers and buyers in the rail sector obtain the exact connector for their requirement in the shortest possible time and without the burden of minimum order quantities; PEI-Genesis will happily build just one connector if that is all you need
VEAM CIR Series ConnectorsThe basic design parameters of the VEAM CIR series were derived from the MIL-C-5015 military specification and enhanced by the addition of a positive-lock/quick-disconnect bayonet coupling mechanism. High shock and vibration resistance is achieved without the need for lock wires, and the connectors are rated for a minimum of 2000 couplings. VEAM CIR connectors are available in an enormous range of styles, shell sizes and contact arrangements and can be supplied in a wide variety of materials and finishes to suit the demands of each particular application. It’s also intermateable with VG95234.
Add-ons for Veam Cir ConnectorsITT Cannon’s VEAM CIR connectors can also be specified with various inserts to meet low-smoke/zero-halogen requirements and provide superior resistance to fuel oils, solvents and elevated temperatures. For more details, call PEI-Genesis and talk to one of our applications engineers.
To check our inventory, input a part number in the bar above.
To order a VEAM CIR Catalog, click here.
View specifications from the PEI-Genesis ITT Cannon VEAM CIR Catalog
CDM Electronics
CDM Electronics is a certified small business, CCR# 42827, founded in 1993, CDM Electronics' mission is to provide our customers with exceptional interconnect products and value added services that meet or exceed our customers' expectations. We welcome the chance to design a creative solution to the most challenging issues.
Our ProductsCDM Electronics is a NEDA Authorized Supplier for electronic connectors, coaxial cables and other interconnect products. This assures you that you are receiving factory new and approved products. With today's ever changing business climate, particularly in light of RoHS initiatives which transpired in July 2006, it is imperative that your applications perform to specification and in compliance with environmental and other government regulations. For those applications not requiring RoHS compliance, there are still several performance and reliability factors that are compromised when superior products are not deployed. Choose CDM for all of your interconnect sourcing requirements and you are guaranteed excellent products with on time deliveries.
Our ServicesIn 1999, CDM management recognized that customers wanted access to thousands of parts in stock ready for same day shipment. But this only represented half of our customers' needs. Sowe embarked upon a program to expand our offering into the arena of cable assembly and value added programs. Since that time, CDM has experienced explosive growth and now provides a host of value added services, from "womb to tomb". We provide quick turn engineering and cable assembly services for prime contractors, as well as 2nd and 3rd tier providers. Our satisfied customer list includes Northrop Grumman, BAE, General Dynamics, and all branches of the United States military: Army, Navy, Air Force and Marines.
CDM credits our great staff, especially our brilliant engineering team, with our enormous success in this area.
Proactive Cost Reduction Program™ Process improvement and cost-saving solutions are as important to us as they are to you. Our "Proactive Cost Reduction Program" is a trademarked initiative created by CDM Electronics to constantly create cost-saving solutions for our customers.
Our PeopleFrom Reception to Shipping, CDM Electronics is proud to have the most loyal & dedicated employees. But it takes more than just our own employees to make our company great. We rely heavily on the expertise of several of our providers, especially our web designers:
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Our ProductsCDM Electronics is a NEDA Authorized Supplier for electronic connectors, coaxial cables and other interconnect products. This assures you that you are receiving factory new and approved products. With today's ever changing business climate, particularly in light of RoHS initiatives which transpired in July 2006, it is imperative that your applications perform to specification and in compliance with environmental and other government regulations. For those applications not requiring RoHS compliance, there are still several performance and reliability factors that are compromised when superior products are not deployed. Choose CDM for all of your interconnect sourcing requirements and you are guaranteed excellent products with on time deliveries.
Our ServicesIn 1999, CDM management recognized that customers wanted access to thousands of parts in stock ready for same day shipment. But this only represented half of our customers' needs. Sowe embarked upon a program to expand our offering into the arena of cable assembly and value added programs. Since that time, CDM has experienced explosive growth and now provides a host of value added services, from "womb to tomb". We provide quick turn engineering and cable assembly services for prime contractors, as well as 2nd and 3rd tier providers. Our satisfied customer list includes Northrop Grumman, BAE, General Dynamics, and all branches of the United States military: Army, Navy, Air Force and Marines.
CDM credits our great staff, especially our brilliant engineering team, with our enormous success in this area.
Proactive Cost Reduction Program™ Process improvement and cost-saving solutions are as important to us as they are to you. Our "Proactive Cost Reduction Program" is a trademarked initiative created by CDM Electronics to constantly create cost-saving solutions for our customers.
Our PeopleFrom Reception to Shipping, CDM Electronics is proud to have the most loyal & dedicated employees. But it takes more than just our own employees to make our company great. We rely heavily on the expertise of several of our providers, especially our web designers:
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Nanotechnology
Nanotechnology
Nanotechnology Research Center at Bilkent University is dedicated to research on theoretical and experimental nanoscience and nanotechnology with strong emphasis on education and training.
Center is an inter-disciplinary research environment which houses the nanotechnology related research efforts in science and engineering faculties, and serves to all departments in both faculties as well as the other Turkish universities that would like to have access to the centers facilities.
The center has a total of 250 square meter of class-100 level clean room for sub-micron lithography along with general-purpose electrical and optical characterization measurements. A new AIXTRON RF200/4 RF-S GaN/AlGaN MOCVD epitaxial growth system has been recently installed and can be used for the growth of all GaN and related materials. The center has also supporting nanofabrication and characterization laboratories.Nanotechnology Research Center
Bilkent University
Bilkent 06800, Ankara TURKEY
Tel : +90 312 290 19 66
Fax : +90 312 290 10 15
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Nanotechnology Research Center at Bilkent University is dedicated to research on theoretical and experimental nanoscience and nanotechnology with strong emphasis on education and training.
Center is an inter-disciplinary research environment which houses the nanotechnology related research efforts in science and engineering faculties, and serves to all departments in both faculties as well as the other Turkish universities that would like to have access to the centers facilities.
The center has a total of 250 square meter of class-100 level clean room for sub-micron lithography along with general-purpose electrical and optical characterization measurements. A new AIXTRON RF200/4 RF-S GaN/AlGaN MOCVD epitaxial growth system has been recently installed and can be used for the growth of all GaN and related materials. The center has also supporting nanofabrication and characterization laboratories.Nanotechnology Research Center
Bilkent University
Bilkent 06800, Ankara TURKEY
Tel : +90 312 290 19 66
Fax : +90 312 290 10 15
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CFT COMPLIANCE INFORMATION
The following article provides an overview of legislation aimed at countering the financing of terrorism (CFT laws), and includes region-specific examples of CFT compliance legislation in the UK, USA and Europe.Following the 9/11 terrorist attacks in New York and Washington, national and international compliance and regulatory frameworks rapidly expanded to include countering the financing of terrorism (CFT) as a central focus. Although terrorist attacks can be carried out with relatively small amounts of money, developing and maintaining terrorist support infrastructures for travel, safe houses and training can add up to substantial sums.Targeting the financing structures of these terrorist networks – business and charitable fronts, states providing sanctuary and security, financiers and financial facilitators, and even transnational criminals such as arms dealers – has proven effective. Taking aim at these support networks significantly downgrades terrorists’ capacity for perpetrating attacks by compelling terrorist enablers to refuse assistance to stateless agents of radicalism and terror.Within this context, national governments and international governing bodies and institutions around the world have implemented CFT legislation, and instituted regulatory initiatives to prevent terrorists and their supporters from exploiting banking and financial systems. These legal and regulatory measures have created many new compliance requirements for countless economic sectors. As such, it is necessary for financial and business professionals to be aware of CFT compliance requirements in general, and of industry-specific CFT regulations, in particular.How is terrorist financing related to money laundering?People launder money to hide the source of funds, which enables them to successfully use those funds in the legitimate economy. The aim of terrorist financing, however, is to ensure funding for terrorism-related activities. Whereas laundered funds always have illicit sources (otherwise there would be no need to launder the money), money used to finance terrorism can come from both legitimate and illegitimate sources. Indeed, the financing of terrorism is intended to camouflage the destination of funds and the nature of the activities being funded; whilst the process of laundering money is concerned chiefly with blurring the origins of the funds.Examples of CFT legislationGiven the large number of legislative changes implemented over a relatively short period, CFT compliance now features a range of new requirements and features. The following list contains examples of CFT-relevant legislation, and in no way is intended to be a comprehensive list.UNSC Resolution 1373 (2001)UNSC Resolution 1373 was established in the wake of the 9/11 attacks against the United States, and it is particularly important because it has been adopted, either in whole or in part, by numerous UN member states. It calls upon all nations to “prevent and suppress the financing of terrorist acts”, criminalise terrorist fundraising, to freeze terrorist funds, and to prohibit terrorists from gaining access to the world’s financial systems. Other UNSC resolutions impact CFT compliance and legislation, including UNSC Resolution 1267 (1999), which sanctioned and demanded the freezing of Taliban and Al-Qaida-controlled funds, and UNSC Resolution 1566 (2004), which updated the UN’s definition of terrorism.The UK Terrorism ActThe UK enacted the Terrorism Act of 2000 as “the primary piece of counterterrorism legislation”, according to the UK Home Office. Created in response to the increasing internationalisation of terror, the Act broadened the scope of UK anti-terrorism legislation that had been more narrowly focused on Northern Ireland.Three key elements of the Terrorism Act of 2000 include: • Proscription of 46 international terrorist organisations in addition to the 14 pertaining to Northern Ireland • Enhancement of the police’s investigatory powers • Criminalisation of terrorism-related offenses such as the incitement of terrorist acts.Several years later, the implementation of the Terrorism Act of 2006 aimed to provide law enforcement departments, intelligence agencies and courts with the necessary tools to combat terrorism. The law also broadened the scope of criminalised terrorist-related activities to include glorification of terrorism, dissemination of terrorist publications, and terrorist training as offenses. The Act proscribed two additional terrorist organisations, on the grounds that they glorified terrorism. Other UK counter-terrorism legislation includes the Anti-Terrorism, Crime and Security Act of 2001, the Regulation of Investigatory Powers Act of 2000 and the Prevention of Terrorism Act of 2005.The USA PATRIOT ActThe USA PATRIOT Act of 2001 was signed into law on 26 October 2001 in the wake of the 9/11 terrorist attacks. The USA PATRIOT Act is a far reaching law with special significance to any bank or corporation that does business in the US or with US partners. One section of particular interest to CFT compliance is Title III: International Money Laundering Abatement and Financial Anti-Terrorism Act of 2001. Many provisions of this complex law are germane to the financial community and require much more extensive review than this summary brief allows.On 12 March 2002, former US Treasury Under Secretary for Enforcement Jimmy Gurule addressed the Bankers Association for Finance and Trade, and outlined several of the key provisions of the Act.US Executive Order 13224Executive Order 13224 was signed by President Bush on 23 September 2001 in order to give the US Government a powerful tool to impede terrorist financing. In general, the Order enables the disruption of financial or other terrorist support networks by authorising the US government to designate and block the assets of terrorism-related foreign individuals and entities. The US Treasury’s Office of Foreign Assets Control (OFAC) executes the Order 13224 through its Anti-Terrorism Sanctions Program.FATF 40 + 9 RecommendationsThe Financial Action Task Force (FATF) issued 40 Recommendations on money laundering which, combined with the 9 Special Recommendations on terrorist financing, effectively cover the regulatory spectrum with respect to Anti Money Laundering (AML) and CFT.The FATF 40 and 9 Special Recommendations are intended to serve as a framework to “detect, prevent and suppress the financing of terrorism and terrorist acts”. While not laws of themselves, many countries have adopted these recommendations in whole or in part.Subjects covered in the 9 Special Recommendations include: • Criminalising the financing of terrorism and associated money laundering • Freezing and confiscating terrorist assets • Reporting suspicious transactions related to terrorism, international cooperation, alternative remittance, wire transfers, non-profit organisations and cash couriers.The EU Third Money Laundering Directive (3MLD)The EU Third Money Laundering Directive, adopted in 2005, required that member states comply with this directive by 15 December 2007. The Directive expands previous EU regulations in order to fully comply with the FATF 40 and 9 Special Recommendations.The scope of the 3MLD is broad with respect to affected industries; its provisions affect not only members of the financial system, but also lawyers, notaries, accountants, real estate agents, casino operators, trust, and company service providers. The Directive also extends to all providers of goods where cash payments in excess of €15,000 are made, irrespective of whether the payment is completed in one transaction, or in cases where several transactions appear to be linked.One of the main requirements of the 3MLD is increased Customer Due Diligence. It is mandated that all required service providers identify and verify the identity of their customers and possible beneficial owners of client entities, and that they continue to monitor their business relationship with customers. The Directive also sets out Enhanced Customer Due Diligence requirements for high-risk customers, such as those who have never been physically present in the business relationship.Reporting obligations is another important subject covered in the 3MLD. The Directive requires that member states establish a Financial Intelligence Unit (FIU) to effectively combat terrorist financing and money laundering. It also requires that the FIU has access to information that it requires to fulfil its tasks. It specifically prohibits (Chapter 3, Section 2, Article 28) companies from disclosing to a customer or third party that an investigation has commenced.Other topics covered in the 3MLD include record-keeping and statistical data storage, as well as enforcement and implementation measures. The 3MLD repeals previous EU Money Laundering Directives, and has been adopted by many member states
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SHADYSİDE INN SUİTES
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 PsychiatricWithin 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
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