HSBC Premier International Recognition and Emergency Support

International Recognition and Emergency Support
Wherever you go, we're only a phone call away

You relish immersing yourself in different cultures for business and pleasure. But you value the reassurance that wherever you go, help is always on hand from someone who understands your needs and speaks your language.

HSBC Premier can provide useful local information about everything from restaurants to cultural events and entertainment.

The international banking benefits that HSBC Premier provides will also cover your family, so you can rest easy while your children travel for study or work.

HSBC Premier's international banking services include:

* Guaranteed priority service for all your international banking needs
* In an emergency, simply call HSBC Premier's emergency hotline +1-908-PREMIER or HSBC Bank International +44 1534 616313 for international assistance
* Emergency cash advance

Feel at home wherever you are with HSBC Premier's international banking services.


In Detail

Red carpet treatment at HSBC Premier centres worldwide
Premier customers have access to the 250+ dedicated HSBC Premier centres in 36 countries worldwide.

Services available include:

* Assistance from a Premier Relationship Manager
* Emergency cash advance of US$2,000
* Replacement card in the event of loss or theft within 36 hours
* Access to telephone and internet banking
* Local insight and information to make your trip more rewarding
* Free complimentary drinks and newspapers

Land & Sea�s DYNOmite Chassis Dynamometer Systems combine

FWD/RWD 700+ Hp** chassis kits include 12" medium inertia dual-roller assembly, removable roller shield, drive-up ramps, wheel chocks, casters, water or eddy current absorber with step-up drive, electronic torque transducer, DYNOmite data-acquisition computer, AC power supply, Electronic Auto-Load Control, DYNO-MAX 2000� software, inductive RPM pick-up, required hoses, engine temperature thermistor, and full-function data harness. (Optional AWD upgrade, with dual eddy current absorbers and an electrically adjustable wheelbase system, is shown in the image at right.)

1,200 to 2,500+ Hp** Pro chassis kits include a FWD/RWD (optional AWD upgrade shown below) tube steel frame with 24", 30", 44", or 60" diameter medium inertia rolls, bolt-on diamond plate decking, floor anchors, wheel chocks, vehicle tie downs, water or eddy current absorber(s) with step-up drive, electronic torque transducer, DYNOmite 28-channel data-acquisition computer, inductive RPM pick-up, DYNO-MAX 2000 �Pro� software, printer, Windows XP® equipped Dell� laptop, mobile computer stand, Electronic Auto-Load Control, Weather Station Kit, A/F Ratio module, 42" high-volume cooling fan, hoses, engine temperature thermistor, and full-function data harness.

Click to enlarge DYNO-MAX 2000 console.Click to enlarge DYNO-MAX 2000 graph.DYNO-MAX 2000� �Pro� Software creates a full vehicle dashboard on your PC. Features include: real-time trace graph display, adjustable limit warnings, pushbutton controls, user configurable analog and digital gauge ranges, color graphing, test report database, instant playback, inertia compensation, �Smart Record�� trigger points, adjustable data dampening, full data import/export, semi-automatic zeroing, voice alarms, wireless Pocket DYNO-MAX� interface, drag strip Christmas tree console, etc. (Click for full list of features.)

DYNOmite Data-Acquisition Computer displays and records true unlimited Hp, torque, RPM, elapsed time, etc. at up to 1,000 readings per second (per channel). It will even automatically apply SAE correction factors for air temperature, barometric pressure, and relative humidity.

Click to enlarge "Dually" 30" chassis dynamometer. More than acceleration Hp can be measured with DYNOmite absorption units, because they utilize an actual strain gauge equipped torque transducer. Measuring power under a controlled RPM load is vital for proper mapping of engine management systems and guess-free emissions work. Avoid �dynos� that simply spin the vehicle�s tires up against their roll�s inertia (�flywheel resistance�) without having any ability to simultaneously control and measure absorption load. Rather than measuring the torque, they derive it from the acceleration (similar to extracting horsepower from drag-strip data). Such units can not maintain a MPH or RPM setting, while also displaying true torque and Hp � like a DYNOmite can!

Click to enlarge 24" chassis dynamometer.Sustained Hp and top end require an absorption dynamometer (i.e. a DYNOmite system). Unlike �acceleration spurt� inertial testing, these can load a vehicle indefinitely.* The absorber allows running controlled RPM step or sweep Hp tests. Everything is under computer control via the included Electronic Auto Load.

Simulate driving conditions on your chassis dyno by letting DYNO-MAX and your PC take control. DYNO-MAX features a �Road Load Simulation� mode that simulates vehicle momentum, air drag, rolling friction, etc. Enter the vehicle�s weight and drag data and then allow the software to monitor MPH vs. applied Hp, as it adjusts the dyno�s road load accordingly. To the car�s driveline and operator, the feel is like actually driving.

Click to enlarge 44" AWD chassis dynamometer.Front, Rear, or All Wheel Drive cars and trucks can be tested on the appropriate model automotive chassis dyno. Many allow front/rear torque bias monitoring and bidirectional mounting. Even large bikes and ATVs fit the 700 Hp dual-roller assembly. We can also convert many other manufacturer�s older, single axle, chassis dynamometers to AWD, with full Electronic Axle Synchronization, at a fraction of the cost of a new installation!

Click to Services page for magnified view of grooves.Dynamically balanced and machine traction-grooved rollers dramatically limit vibration and tire slip! Test most production vehicles (up to 150 MPH and 700 Hp) on our smallest automotive dual-roller assembly. Larger diameter roll systems easily handle sustained higher speed testing at race car power levels. (**Capacities are approximate, as they are primarily tire safety and traction limited � higher torque requires tie downs.)

Click to enlarge tri-axle truck chassis dynamometer.Fix driveline problems that might never show up in the garage, like shifting issues, driveshaft vibration, brake squeal, bearing noises, brake shudder, exhaust rattles, etc. - without costly field testing.

Click to enlarge tandem-axle truck chassis dynamometer.Verify Click to enlarge Pocket DYNO-MAX remote control.emissions under load using your existing, or our optional (digitally integrated) DYNOmite 5-gas, exhaust analyzer. Proper emission testing procedures require repeatable absorber load control, impossible on simple inertia dynos. No more trying to use unloaded idle data to verify that repaired vehicles are in emissions compliance. Send customers for state inspections with confidence.

Click to enlarge 24" chassis dynamometer.Low profile, ramp loading allows installing the 12" dual-roller units above ground - or in the driveway. Casters let you roll it to a corner when not in use (just raise the anti-vibration leveling pads). No dedicated test bay, or digging up floors, required.

Rapid on-off set-up makes it practical to skip those old time-consuming road trips. Just drive it on, strap it down, hook up the tach (or use �Smart Ratio��) and test � a full report prints out automatically!

titanmoneyexpress

titanmoneyexpress is an international payment processor in an OFFSHORE jurisdiction. For individuals and online businesses
from across the world! Make payments, do shopping or receive money by email from
anywhere in the world!

As an offshore payment processor in a tax haven
jurisdiction you benefit as follows: -

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All you need is a FREE account and your email address
to send or receive money
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OFFSHORE protection status- no 3rd party reporting
required
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Personal / Prestige Accounts takes 2 minutes
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Merchants sell your products to anyone with an email
account- FREE SCI!
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New: Business Prestige
Accounts for High Net worth Individuals and Business people from across the
world. read more
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User Accounts may be operated on a "Verified" or
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Need some Privacy and Anonymity?
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NO tolerance Policies against fraud or
attempted fraud! read
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..then look no further!

Questions? go to the KNOWLEDGEBASE

SmartBalancer

SmartBalancer is a new portable measuring instrument for field balancing designed by Schenck – a specialist in balancing equipment. The new field balancer with its many outstanding major and minor design features incorporates our vast expertise in balancing, along with up-to-date vibration measuring equipment.

Field balancing with the SmartBalancer – a most efficient addition to your balancing equipment.

Benefits at a Glance

* A comprehensive package at an extremely favourable price-performance ratio.
* 2 simultaneous measurement channels for highly efficient field balancing.
* Optimised balancing for up to 4 measuring points.
* Graphical presentation of unbalance and test run vectors for all measuring points.
* Machine diagnosis with FFT and SmartFFT analysis
* Overall vibration measurement in accordance with relevant standards.
* Oscilloscope function.
* Powerful SmartReport software included in the price.
* New laser-optical reference sensor enables safe balancing at a distance of up to 0.5 m from the rotor shaft.
* 6 hours of operation on a single battery charge - no replacement batteries required.

High Ease of Operation

* Clear graphical display
* Dialog-based operator prompting
* 6 hours of operation on a single battery charge
* No replacement batteries required
* Laser-optical reference sensor (emitting visible light) enables safe balancing at a distance of up to 0.5 m from the rotor shaft
* SmartBalancer report software

Specifications

Measurement Tasks

* Field balancing of rotors in one and two planes.
* Measurement of overall vibrations for evaluation of the machine condition.
* Frequency analysis for identification of the causes of vibrations.
* Start-up and run-down curves of the first harmonic for the detection of machine and mounting resonances.
* Display of overall vibrations and of the first harmonic versus time.
* Oscilloscope function for visualisation of vibration - time signature.

Measurement Channels

* 2 channels for vibrations
* 1 channel for speed and reference signal

Measurement Inputs

* 2 inputs for acceleration sensors
* 1 input for laser-optical reference sensor
* All inputs provide power supply for the sensors.

Measurement Variables

* Vibration displacement in µm and mils
* Vibration velocity in mm/s and inch/s
* Vibration acceleration in m/s2 and g

Signal Detection Types

* RMS value
* Peak-to-peak value
* Peak value

Sigma702 Tensiometer

Sigma 702 is a stand-alone tensiometer for measuring surface
and interfacial tension in situations requiring high sensitivity and simple
operation.

As a result of KSV's long experience in tensiometer design,
Sigma 702 is user friendly and highly reliable. Precise temperature control can
be ensured by the water-jacketed vessel holder. The option of connecting to an
external PC and/or serial printer enables reliable data storage and simple
reporting.

Features
Large built-in LCD display
Super-sensitive
microbalance with transport locking and overload protection, optimized for
Surface tension/Interfacial tension measurements
Illuminated, specially
coated and easily cleanable measuring area
Motor-driven sample stage with
high resolution movement control
Built-in magnetic stirrer
Built-in
touchpad for simple operator control, chamber illumination, stage up/down drive,
magnetic stirrer
Built-in thermostattable jacket with inner diameter 70 mm
for temperature control of the sample liquid Sample vessels with outer diameter
70 mm and 50 mm
Embedded software to measure surface tension (ST) and
interfacial tension (IT) using DuNouy ring and/or Wilhelmy plate, as well as the
density of liquids
RS-232C connection to optional printer
USB-connection
for data output to optional external PC computer
PC software module to read
the data to and ASCII file and/or Spread sheet, such as Microsoft Excel (not
included)

THE LAST DAYS OF PRIVACY

As technology makes life richer and easier, we leave a trail of information
that is susceptible to prying eyesWithin 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.ImagesView Larger
Images--------------------------------------------------------------------------------More
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point of no return 02.20.09 The end of a budget battle 02.20.09
<_script><_script>--------------------------------------------------------------------------------[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.

Petroleum Technology Transfer Council

The Petroleum Technology Transfer
Council (PTTC) is an American national not-for-profit organization established
in 1994 by producers, state organizations and the Department of Energy (DOE).
While emphasizing the needs of independent oil and gas producers, PTTC’s
activities also benefit industry consultants, service and supply companies, and
other industry participants. To ensure timeliness and relevance of technical
workshops and other activities, PTTC’s regional programs are developed under the
guidance of local Producer Advisory Groups. Through these volunteers and the
National Board of Directors, who are primarily domestic oil and natural gas
operators, hundreds of producers and other industry participants nationwide
contribute their time and expertise to the technology transfer program.
PTTC
is involved with foster networking people, who impact domestic
production.
Oil and Gas Producers rely upon the network for non-biased,
straight forward technical information;
Provides Technology providers with an
avenue to communicate developing or under-applied technologies to producers,
consultants, and explorationists;
Consultants better equip themselves for
serving producers, which further broadens application; and
The DOE uses the
network to disseminate its R&D results and gather insights on domestic
concerns and issues.
The relationships that are developed between the various
entities and individuals have achieved technology information transfer through
the PTTC’s programs and are reducing costs, while increasing profits, and
ultimately increasing recovery in existing mature fields, expanding recovery
from unconventional reservoirs, profitably developing ever-smaller domestic
production and reserves, and increasing environmental stewardships.
Since
1994, the PTTC was funded primarily by the DOE with matching funds by the states
and Oil and Gas industry. The PTTC's work has been a recognized force for
transferring exploration and production technology to domestic U.S. producers.
In 2006, the U.S. Congress declined to provide fiscal year 2007 funding for many
elements of the DOE’s natural gas and oil R&D program, from which PTTC drew
its federal funds. DOE ultimately provided $1 million of funding through
September 2008 to help PTTC transition to a primarily industry-funded
organization.
Due these evets, the Executive Committee of AAPG and the Board
of PTTC both voted in late September for AAPG to assume management of the new
organization. The American Association of Petroleum Geologists and the Petroleum
Technology Transfer Council have announced that AAPG has assumed management of
PTTC activities effective October 9, 2007.This includes fundraising, marketing
and corporate operation of the PTTC Program. The vote followed a 90-day due
diligence period. AAPG President Will Green, of Midland, Texas, said “PTTC has
perhaps the most successful scientific technology transfer program for the
independent U.S. producer and has proven its value to the industry. The
Association considers the program important for the industry, the members of
AAPG and the country.” Outgoing PTTC Chairman Gene Ames noted: “Strengths of
PTTC will be the same – most universities will stay engaged, regional volunteer
groups will be autonomous and work closely with the universities,
cross-discipline diversity will be encouraged, and producers will comprise the
majority of the volunteers. DOE remains a strong supporter and will strive
toward some funding albeit at a lower level than historical.” Members of the new
board of directors will be announced later. Green said PTTC’s primary tool for
transferring E&P technology will continue to be regional workshops, which
will be supplemented with a strong Web presence, newsletters and other personal
outreach. Using these tools, PTTC will continue to connect producers, the
service sector, consultants, researchers and others with the data and technology
information needed to spur technology application.
Topics addressed by PTTC
activities have covered the full spectrum of E&P operations, including
exploration, unconventional resources, enhanced recovery processes, imaging
technology, drilling and completion, hydraulic fracturing and many others.
Serving industry locally through Regional Lead Organizations, typically at
universities or geological surveys, PTTC’s primary focus has been serving
independents. This operation model will continue in the future.

iComply forges ahead with the Australian Logistics Council

iComply announced today that the company had been appointed by the Australian Logistics Council as one of four compliance firms authorised to conduct audits against the ALC Retail Logistics Code of Conduct.

This appointment recognises iComply's professional accreditations, and its specialised experience in the transport industry.

The ALC Retail Logistics Code of Conduct was established in November 2006 by the Australian Logistics Council and key players within the transport and logistics industry.

The ten point Code of Conduct establishes a clear set of principles for freight logistics, involving the retailer, supplier, carrier and logistics provider, allowing the industry to respond in a coordinated way to help all involved across the retail supply chain operate under a national set of retail logistics supply chain industry standards.

Every transport business wishing to supply to the retail industry must adhere to the Code and undertake annual audits.
What we do

iComply is a leading provider of compliance audit software and compliance audit services to the public and private sector. Continually awarded for its innovation in software development, iComply combines technical excellence with over 50 years of professional experience to implement the best audit, compliance and risk management solutions for businesses worldwide.
Our background

iComply was formed in 2003 with the joining of two successful boutique compliance companies. The partnership brought together a unique combination of specialist audit services and state-of-the-art audit software to address the ever increasing regulations and legislation facing businesses today.

Based in Melbourne, Australia, iComply is now one of the world’s leading compliance consultancies with a team of highly qualified and accredited personnel. Recognised by Microsoft and the international software industry for their innovative solutions, iComply’s compliance software products and compliance audit services have become integral to the success of public and private organisations across the globe.
Our clients

iComply’s prestigious international client list speaks for itself. Ranging from multi-national corporations, government organisations and small cutting-edge businesses, our clients reflect the quality, flexibility and value of our services.

OL-55 On-Line Tensiometer

By continuously measuring surface tension, the OL-55 monitors the level of surface active chemical additives in water-based process liquids. Based on the information from the measurement the operator can either manually dose chemicals into the process or the optional auto-dosing system can be used.


On-line tensiometer

* Continuous monitoring of surface tension and other parameters, including pH, temperature, and conductivity, in various process liquids for optimising the dosing of chemicals
* Rugged design for factory applications
* Fully automatic computer controlled operation
* Patented technology

Benefits

* Eliminates overdosing of surfactants - reducing costs
* Controls processes - improves efficiency and quality
* Reduces waste and improves yield
* Improves environmental control
* Extends chemical lifetime in processes


Specifications
Surface tension measuring range 20 to 80 mN/m
Resolution 0.1 mN/m
Update time for liquid
3 minutes from change in process liquid
Temperature measuring range (optional)
15 to 85°C
pH measuring range (optional)
2 to 14
Flow rate
18 l/h
Self-cleaning filter
Standard 100 μm (others by request)
Voltage
100-240 V (automatic) 50/60 Hz
Power consumpiton
< 60 W
Fuses 315 mA
Dimensions 544 x 428 x 236 mm (H x L x D)
Optional features
# On-line pH monitoring
# On-line conductivity monitoring
# On-line process temperature measurement
# Automatic dosing of surfactants and clean water based on measurement data

Overview

IBM Cognos 8 Controller provides Finance organizations with unmatched capabilities for managing the close, consolidation, and reporting process. An automated, menu-driven application that is owned and managed by Finance, IBM Cognos 8 Controller can consolidate diverse ledgers representing thousands of operating units and accounts into a common chart-of-accounts structure.

IBM Cognos 8 Controller reduces close cycle times and gives you the transparency that is essential for sustained compliance with Sarbanes-Oxley and IFRS. It supports local, regional, or global requirements, and enables you to adapt to business and regulatory changes in real time.

What IBM Cognos 8 Controller Offers to Finance Leaders
IBM Cognos 8 Controller offers critical benefits for the key members of your finance team—and for the CIO, who needs to ensure compatibility with existing IT investments:

* For Corporate Controllers: IBM Cognos 8 Controller enables the corporate controller to automate the entire close process, from data collection to financial consolidation to output. Close cycle times are reduced while data integrity is assured.
* For the CFO: IBM Cognos 8 Controller reduces risk and provides the CFO with an enterprise view of key financial ratios and results. Greater visibility improves strategic decision making across the organization, while the high quality of financial results eases external reporting and compliance.
* For the CIO: IBM Cognos 8 Controller allows the CIO to leverage current IT investments while ensuring that centralized systems meet the demand for secure and reliable data. And it offers the opportunity for performance management standardization from a single vendor, with enterprise planning and business intelligence across a single architecture and platform.

IBM Cognos 8 Controller is the only solution that includes more than 200 pre-configured, standard reports to satisfy the demands of management and regulators. All the reports required at key stages of the close process are available automatically—no custom report creation is needed.

In addition, IBM Cognos 8 Controller is seamlessly integrated with IBM Cognos 8 Planning and IBM Cognos 8 Business Intelligence. It enables performance management to be integrated at the data, security and process level—all at a low total cost of ownership.
Learn more:

* Features and Benefits of IBM Cognos 8 Controller
* Read the IBM Cognos 8 Controller Fact Sheet
* Read about the 200+ Standard Reports available with IBM Cognos 8 Controller
* Visit the Compliance Resource Center
* Learn best practices thru IBM Cognos 8 Controller Performance

BluePrints

Training and Education - Online and Face to Face

Whilst we are engaging trainers, we believe that learning should be highly interactive enabling our clients to apply our training in practical and lasting ways.



Our training can be an online course tailored to your firm, a face to face scenario based workshop, a seminar looking at law and regulation or a blend of them all.



SmithSpiers' training is customised for our clients’ needs in their particular sector. We provide:


*
Targeted Training for Senior Management and Compliance
*
Generic Training for all Employees and Business Owners

At SmithSpiers we know that training needs can change quickly. Our training always draws upon very latest developments, including changes in:


*
The Law
*
The Regulatory Environment
*
Financial Crime Vulnerabilities
*
Industry Best Practice

We provide face to face training in a wide range of compliance topics from integrity and ethics, to conduct of business and professional obligations training.





We offer online courses with our partner Absolutely Training, a leading online course provider. These course are interactive, explain complex concepts for your staff and contain numerous scenarios and examples relevant to your business. All the courses can be customised to your particular circumstances.



You can find out more about Absolutely Training here.



Our current online course list includes:



* Doing Business with Integrity - Avoiding Bribery, Corruption and Conflicts of Interest - Click here for more information
* Anti-Money Laundering for Accountants - Click here for more information
* Anti-Money Laundering for Solicitors - Click here for more information
* Anti-Money Laundering Awareness for Support Staff
* Health and Safety
* Equality, Diversity and Other Employment Issues
* Awareness and Prevention of Fraud
* Information Security
* Whistleblowing

Coming soon:



* Professional Conduct Training for Solicitors
* Anti-money laundering for professional services firms in Ireland

Powered by a 100MHz DSP platform using FPGA technology.

Click for larger image Welcome to the Dakota Ultrasonics website!

We are a manufacturer of industrial ultrasonic testing equipment most commonly used in the petrochemical, aerospace, automotive, and other generally related industries. The pages that follow will provide you with general information regarding our products. If you have any questions, need technical support, or have a request for custom items, please contact us at your leisure using the information provided on this site.

Our products are commonly used to determine the thickness of a variety of materials by making contact with only one side of the material being tested. They have the ability to detect very fine pits, flaws, and porosity in materials without having to destroy the material or parts being tested. This is done by converting the transit time of a sound wave, sent into and reflecting back from a defect or opposite surface in the test material, into a length measurement. This technique uses principles similar to that of sonar.

We also manufacture a line of ultrasonic bolting equipment that very accurately

measures the stress, elongatiCMX DL+ A/B Scan Scope w/coating featureon, and load in threaded fasteners. These products are typically
used in critical bolting applications where extreme accuracy is needed. If you
have any specific or specialized bolting applications in mind, be sure to
contact us to discuss your requirements in detail.

Enjoy!

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 flights




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:
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 MANAGE
MENT - 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 condition
o 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 training
o 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 available
o 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.
Safe

We 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.
Timely

Our 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,

EkleBunu Sosyal Paylaşım Butonu

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.


internet banking software, wholesale banking software, retail banking software systems, bankware, branchware, tellerware, INTERNET BANKING SOFTWARE, WHOLESALE BANKING SOFTWARE, RETAIL BANKING SOFTWARE SYSTEMS, BANKWARE, BRANCHWARE, TELLERWARE, Internet Banking Software, Wholesale Banking Software, Retail Banking Software Systems, Bankware, Branchware, Tellerware, Criterion Banking Software,private banking,fx,money market,foreign exchange,S.W.I.F.T.,SWIFT,dealing,trade finance,lending,disaster recovery,payments,remittances,accounting,cashiers,treasury,offshore,reuters,online,on-line, Anti Money Laundering software

MLTrac enables financial institutions to improve their internal disciplines,supplement their policies and procedures, and make a clear statement to the authorities about their commitment to effective anti money laundering controls.

MLTrac's functionality is based upon a combination of our experience, together with contributions from our customer base and the relevant international financial authorities. Regular updates also take account of any future changes in market requirements and legislation.

Functions:

*
KYC Document Management - The definition, scanning, management and tracking of customer documentation, and reporting of any deviations.
*
KYC Account Monitoring -The tracking of movements over account(s) looking for deviations outside of a pre-determined profile.
*
Manual Watch List Checking. Enter a name and the system will check to see if the name, or like sounding names, appear on any of the watch lists (e.g. OFAC, Bank of England and others) that the system monitors
* Message Monitoring. MLTrac can be configured to check all inbound and outbound messages, irrespective of format, to see whether any field (normally the Ordering Customer and Beneficiary) appears on one of the supported checklists. The bank has control over the granularity of the name checking so as not to create too many false alerts. Messages that fail Watch List Checking are put to a quarantine queue for manual intervention. Full Audit Trails of all checks and actions taken is maintained by the system.
*
Cash Remittances. For the many institutions that originate from a country with a large overseas population the problems associated with accepting cash for remittance back home when taken against the potential ramifications of anti money laundering legislation means that the business is very risky and, often, not worth doing. The Cash Remittances module does away with this fear. Information concerning the remitter is maintained as part of the KYC Documentation Management module and is displayed and made available to the teller at the point of capturing data. A full record off all remitters and beneficiaries is maintained. Limits can be placed upon the individual remitter and upon the ultimate beneficiary (irrespective of source). The resulting SQL database can be interrogated for unusual payment patterns.

Engineered Surfaces & Coatings

The life and performance of basic mechanical components -- shafts, gears, bearings, springs and other parts -- are largely determined by the part's geometry and metallurgy. But there are also remarkable opportunities to enhance the performance of these components by altering their surface.

Where gear teeth mesh, where shafts rotate in housings and where bearing rolling elements ride on raceways, it’s possible to reduce friction and extend equipment life through enhanced surface finishes and special coatings.

Timken experts have invested nearly $80 million to develop these Timken Engineered Surfaces. Customers who turn to Timken for Engineered Surface expertise are realizing many benefits:


Increased power density

*
Reduced wear
*
Enhanced performance in marginal lubrication
*
Higher levels of debris resistance
*
Reduced warranty costs
*
Increased system durability

PROMAX OD-576

60 MHz, 25 Gsamples/s Digital Storage Oscilloscope
Bandwidth:
o

60 MHz
*

Sample Rate:
o

25 GS/s channel
*

Record Length:
o

125 k/CH
*

Trigger:
o

Pulse Width, TV Line, Event Delay, Time Delay
*

WAV. Signal Process:
o

CH1+CH2, CH1-CH2, FFT, Go/NoGo
*

Interfaces:
o

USB, Printer Port, RS-232C, Go/NoGo Output, GPIB (optional)


The OD-576 60 MHz bandwidth with a Mono LCD display, are designed and built to meet the demands of a modern DSO in the main stream market today. The Unmatched performance, valued plus features, user-friendly design and versatile interface make OD-570 series a very useful equipment for most of the applications in circuit design, production test, repair service and education lab. With almost everything you could expect from a DSO, OD-570 series provides you the best solution for waveform measurement at a surprisingly affordable price

Analog thermal mass flow controller Sierra Instruments

Our 100 Series family of mass flow controllers are one of our finest technical achievements in over 35 years in the mass flow instrumentation business. Our 100 Series is designed so the physics are correct! Our 100 Series Premium Digital family is made up of our flagship Smart-Trak® Model 100 , our highly engineered ultra-low flow solution Micro-Trak™ Model 101 and our NEMA 6 & IP67 industrial MFC, the Max-Trak™ Model 180 . Excellent accuracy and repeatability coupled with unsurpassed instrument stability result from a patented, inherently linear design, advanced platinum sensor technology, and a valve that is strong, flexible and forgiving. Our 100 Series family of instruments has raised the bar and set a higher standard in the Performance MFC marketplace.



UQNIQUE PRODUCT FEATURES

- Accuracy of +/- 1% of full scale
- Accuracy of +/- 0.7% of reading +.3% of FS
- 316 stainless steel construction
- Flow ranges from 0 to 10 sccm to 0 to 1000 slpm.
- Fast-response control valve
- True digital performance with great flexibility
- “Primary Standard” calibration& NIST traceability
- Dial-A-Gas® Technology: 10 pre-programmed gases come standard
- Small footprint makes drop-in replacement easy
- Single-sided 24 VDC power supply
- CE approval
- MAX TRAK is Industry’s only NEMA 6/IP67 industrial MFC provides wash down protection eliminating secondary enclosures
-- MICRO-TRAK Suitable for most gases with flow rates down to 0.1 sccm

UC4 certified for use with the Avaloq Banking System

Automated scheduling of Avaloq Banking System (ABS) and enterprise systems with UC4 Workload Automation Suite

VIENNA, February 3, 2009 – UC4 Software, a leading global provider of workload automation, job scheduling and IT process optimization solutions, today announced the certification of UC4 Workload Automation Suite for use with the Avaloq Banking System (ABS) version 2.6. The companies have also signed a partnership agreement that will enhance Avaloq to refer customers requiring a complementary scheduling and automation solution to UC4 Software.

“The certification of the UC4 adapter enables organisations to utilise a complementary technology that has been successfully tested and validated against our Model Bank environment,” said Adrian Bult, COO, Avaloq Evolution AG. “Joint customers will be able to increase the return on their existing technology investments leveraging a solution that interfaces directly with the Avaloq Banking System.”

Avaloq solutions are changing the IT landscapes within private and retail banks in Switzerland, Germany, Liechtenstein, Luxembourg, Singapore, Hong Kong and other markets. With UC4 Workload Automation Suite enterprises remove manual intervention, reduce latency and mitigate risk from their end-to-end business processes. The UC4 Business Integration for Avaloq communicates directly with ABS through application interfaces, allowing customers to extend the automated scheduling of their core banking systems and integrate with external applications.

UC4 Workload Automation Suite can manage back-end processing for ABS and all other surrounding systems that many finance institutes rely on. Avaloq users receive regular software updates which support banks in remaining compliant with industry regulations. When utilizing additional tools it is important that Avaloq users work with solutions that are compatible and certified for use with Avaloq. This reduces maintenance and support issues and allows joint customers to benefit from the enterprise wide visibility and control provided by UC4.

“It gives UC4 great pleasure to extend its relationship with Avaloq,” said Cesare Capobianco, chief executive officer, UC4 Software. “We have benefited from an excellent working partnership working towards receiving this certification. It has allowed us to develop an interface that is compliant with Avaloq’s technical specifications, which also delivers measurable business value to our joint customers.”

About Avaloq
The Avaloq Group, with branches in Luxembourg and Singapore, is the Swiss market leader in the field of standard banking software. For over a decade, the Swiss company has been developing and marketing the Avaloq Banking System. It is trusted by leading financial service providers in private, retail and universal banking in international financial centres around the globe. A network of specialists with first-class partners in the areas of implementation, software, service and technology enables Avaloq to offer its clients a comprehensive all-in-one solution – a modular, innovative and integrated standard software for the financial sector. Avaloq is owned by its management and employees.

About UC4 Software
UC4 Software is a leading global provider of workload automation, job scheduling and IT process optimization solutions that ensure core business processes and enterprise information systems run faster, more accurately and without interruption. More than 1,600 companies worldwide have successfully enhanced application processing performance and improved IT efficiency using UC4’s business acceleration solutions. Customers include American Suzuki Motor Corporation, Cadbury, eBay, Eastman Kodak, General Electric, Mattel, McGraw Hill, Panasonic, Robert Bosch, Sun Microsystems, Symantec, T-Systems and Verizon.

IBM Cognos 8 Controller

Overview

IBM Cognos 8 Controller provides Finance organizations with unmatched capabilities for managing the close, consolidation, and reporting process. An automated, menu-driven application that is owned and managed by Finance, IBM Cognos 8 Controller can consolidate diverse ledgers representing thousands of operating units and accounts into a common chart-of-accounts structure.

IBM Cognos 8 Controller reduces close cycle times and gives you the transparency that is essential for sustained compliance with Sarbanes-Oxley and IFRS. It supports local, regional, or global requirements, and enables you to adapt to business and regulatory changes in real time.

What IBM Cognos 8 Controller Offers to Finance Leaders
IBM Cognos 8 Controller offers critical benefits for the key members of your finance team—and for the CIO, who needs to ensure compatibility with existing IT investments:

* For Corporate Controllers: IBM Cognos 8 Controller enables the corporate controller to automate the entire close process, from data collection to financial consolidation to output. Close cycle times are reduced while data integrity is assured.
* For the CFO: IBM Cognos 8 Controller reduces risk and provides the CFO with an enterprise view of key financial ratios and results. Greater visibility improves strategic decision making across the organization, while the high quality of financial results eases external reporting and compliance.
* For the CIO: IBM Cognos 8 Controller allows the CIO to leverage current IT investments while ensuring that centralized systems meet the demand for secure and reliable data. And it offers the opportunity for performance management standardization from a single vendor, with enterprise planning and business intelligence across a single architecture and platform.

IBM Cognos 8 Controller is the only solution that includes more than 200 pre-configured, standard reports to satisfy the demands of management and regulators. All the reports required at key stages of the close process are available automatically—no custom report creation is needed.

In addition, IBM Cognos 8 Controller is seamlessly integrated with IBM Cognos 8 Planning and IBM Cognos 8 Business Intelligence. It enables performance management to be integrated at the data, security and process level—all at a low total cost of ownership.
Learn more:

* Features and Benefits of IBM Cognos 8 Controller
* Read the IBM Cognos 8 Controller Fact Sheet
* Read about the 200+ Standard Reports available with IBM Cognos 8 Controller
* Visit the Compliance Resource Center
* Learn best practices thru IBM Cognos 8 Controller Performance BluePrints

Weld Shield Gas Flow Switch For 1/4"- 3/8 " Pipe Sizes

System AnalyzerUsed to detect insufficient flow conditions for automated or controlled shielded welding processes.

AN APPLICATION SPECIFIC PRODUCT OFFERING
Lake’s Weld Shield Gas Flow Switch has been developed specifically for use in harsh welding applications and will hold up to the typical conditions of the welding environment.

DETECT SYSTEM FLOW PROBLEMS
Use the Weld Shield Gas Flow Switch to give your PLC or control system a signal that allows for simple detection of flow problems.

FIELD ADJUSTABLE
The Weld Shield Gas Flow Switch has a low/no flow “fault” indicator set-point that is adjustable within the lower two thirds of the range in question.

NON-POWERED
Without batteries to fail or other electrical power considerations, the switch will provide a lifetime of simple and reliable operation.

METRIC AND US/STANDARD INDICATING RANGES
These indicators are offered with metric and standard units of measure.

MULTIPLE CALIBRATIONS AVAILABLE
This blind switch is offered with various gas calibrations and in two ranges to complement the variety of shielding gases and flow rates commonly used.

UNRESTRICTED MOUNTING
Accurate detection can be achieved in any mounting orientation, without the straight pipe required with other analyzer systems.

High Temp Flow Rate MeterFor 1/8"- 2" Pipe SizesCE

Enables flow monitoring of barrel heating fluids, thermal transfer fluids such as Syltherm® coolant flows through heat exchangers, as well as flows through hydraulic circuits and sub-circuits with elevated temps.

CHOICE OF THREE MATERIALS OF CONSTRUCTION
Select from aluminum, brass or stainless steel to meet system requirements.

UNRESTRICTED MOUNTING
Allows the designer to install the meter in any orientation – horizontal, vertical or inverted.

GOOD VISCOSITY STABILITY
A sharp-edged stainless steel orifice provides excellent measurement stability for viscosities ranging from 0-500 SSU.

RUGGED AND RELIABLE
Designed as a hydraulic service tool, this meter will provide years of maintenance-free performance.

HIGH PRESSURE OPERATION
The magnetically-coupled follower design allows operation to 6000 PSIG and use with opaque liquids.

24 DIFFERENT PORTS AVAILABLE
Standard selection of NPT, SAE and BSP ports reduces the amount of adapters required for installation.

LOW COST ACCURACY
± 2.5% of range accuracy in center third of scale; ±4% in upper and lower thirds.

BI-DIRECTIONAL AND REVERSE FLOW OPTION OFFERED
High temperature meters are also available in bi-directional and reverse flow versions. Contact Lake Monitors for more information.

On Sale(sullivanandsons)

We have a list of NEW SURPLUS ROSEMOUNT items currently on sale, just click on the link below. If what you are looking for is not on the list please call for a quote.
[Download New Surplus List]

Rosemount
-FOUNDATION FIELDBUS UNITS, NOW AVAILABLE! (see surplus list)
-3244MVs Temperature Transmitters New in Box Qty. 40
-8700 Series Flow tubes- New surplus/Remanufactured
-8705TSA060C3W3N0- New surplus
-8707THA060S1W1N0- New surplus
-10� Flanged Flowtube- New surplus
-3051 DP/GP Series- New surplus & Reman (Most Ranges)
-1151 DP/GP Series- New surplus & Reman (Most Ranges)
-3311DS1 New Surplus
***Powder Coated Tough by Sullivan and Sons, Inc.***

Rosemount GP Transmitter
Fisher Valves & Instruments
-Fieldbus DVC5000 Series Positioners
-1", 1 1/2", 2", 3" WCC CP Valves - New Surplus
-1", 1 1/2", 3", 4" SST V150 Valves - New Surplus
-4150/4160 Controllers - Remanufactured
-DVC5000 Smart Positioner - New Surplus & Reman
-3582/3610J positioners - Remanufactured
-249B-2500 Level-trols - Remanufactured
***Powder Coated Tough by Sullivan and Sons, Inc.***

Fisher DVC5010
Micromotion
-RFT9712 & RFT9739 Transmitters Field mount/Rack Mount
-3300 & 3350 Discrete Controller - New Surplus
-T Series Straight Tube w/ Integral 2700 Transmitter #TO5OT613SCAUEZZZZ sensor
-DS012X999(TANT) - New Surplus
-CMF100, CMF200 - Reman
-DS065S114PU - New Surplus
-DT Series High Temperature Sensors
***We now sell Factory New units***

Micromotion RFT9712 Transmitter
Foxboro
-2800 Series Flowtubes 1/10",1",2",3",4",6",8",10",12" - New surplus & Reman.
-Magnetic flowtube 2808-SABA-TSA 8", 2812-SABA-TSA 12" reman.
-IDP10-D22B22F-M1L1H - New surplus
-CFS10-05SCFNN - New surplus
-801HA - New surplus
-9303A Flowtube - New surplus
-75RTA-PDEFB Rate totalizer - New surplus
-8004A Flowtube 4" - New surplus
***Powder Coated Tough by Sullivan and Sons, Inc.***
***We also sell Factory New Foxboro***

Foxboro D/P Transmitters
Yokogawa
-UR100, UR1000 Recorders
-Mag flow tubes�many sizes - New surplus
-Vortex Meters- many sizes- Reman
-YF110-NNNBIAS3S3 4" Vortex - New surplus
-AM11 Magnetic Flowmeter Converters- Reman
-HR2400 Recorders- Reman Qty. 8

Yokogawa Vortex Meters
Moore Products
-Model 351 Controllers- New surplus/Remanufactured
-Model 352 Controllers- New surplus/Remanufactured
-Model 353 Controllers- New surplus/Remanufactured
-Model 354 Controllers- New surplus/Remanufactured
-Model 363 Paperless Recorders - Remanufactured

Moore Controllers
Metso/Valmet Products
-Model PULP EL analog Consistency- Remanufactured
-Model KajaaniMCAi Microwave Consistency 12"- New surplus
***Ask about repair/exchange program***

KajaaniMCAi Microwave

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.

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.

''alıntı''

Add Scanning Capabilites to Your Huntron Tracker Model 30 System

Add Scanning Capabilites to Your Huntron Tracker Model 30 System
Adding
a Huntron® Scanner to your Tracker Model 30 system lets you access components
using standard DIP clips and cables, custom cables to PCB connectors or
interface to a bed-of-nails.You can compare one component with another in
real-time (64 pins max.) or use your PC to automate testing and scan up to 128
pins.Huntron Scanners can be used with a Huntron Access Prober to provide Common
line connections while the Prober is probing a PCB. This method gives you up to
128 selectable Commons to use. For example, you can connect the Scanner to a
connector 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 cable
can be selected as the Common reference. This would provide you true
point-to-point testing capabilities.Note: The ProTrack Scanner will be replaced
by the Scanner II and/or the Scanner 31S effective 1/1/2008. This applies to
commercial sales only.Scanner II and Scaner 31S users may want to consider these
Optional Accessories to enhance their test
capabilities.
Highlights:Desing By kuzey....
The Scanner II and Scanner
31S accessories add scanning capability to the Tracker Model 30
All Scanners
have a minimum 64 pin capability
The Scanner II can scan up to 128 pins when
the A and B channels are combined
The Scanner 31S use standard IDC style
connectors
The Scanner II uses the common SCSI-2 (68 pin) style connectors
Up to 8 Scanner IIs can be “daisy-chained” to increase the available number
of test pins
Selecting Accessories for your Scanner IIThe Scanner II
accessories for interfacing to your printed circuit board come "ala carte". This
means that you select the accessories you want included with your Scanner.
Choose from SMT or through-hole style DIP clip and cable kits (Scanner Adapter
required with Scanner II) or a mutli-pin breakout cable. Details on these
accessories are provided on this page

Conrad Hotels

Luxury as unique as every guest

As the most global contemporary luxury brand of the
Hilton Family, Conrad Hotels & Resorts combines a proud and prestigious
heritage with a very contemporary attitude.

At its heart, Conrad is all
about offering unique experiences for discerning travellers. Individuality is
what sets Conrad Hotels apart from its competitors.

From guests to team
members to the hotels and resorts, Conrad is all about providing places where
people can truly be themselves. After all, that’s the real luxury today.



Our Vision

To be the luxury hotel of choice for discerning
travellers, creating a world that celebrates individuality in every
sense.


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 9831
karen.kennedy@conradhotels.com Stephanie Heer
Brand
Marketing Manager
9336 Civic Center Drive
Beverly Hills, CA 90210, USA
Tel. +1 310 205 8613
Fax +1 310 205 7861
stephanie.heer@hilton.com Oshy Phillips
Brand PR/Communications
Manager
Maple Court, Reeds Crescent
Watford WD24 4QQ, UK
Tel. +44
020 7856 8261
Fax +44 207 856 8418
oshy.phillips@conradhotels.com Hotel Contacts - Asia Pacific Conrad Bali Resort & Spa
Michael
Burchett
General Manager
Jl. Pratama 68 Raya 168
Tanjung Benoa Bali
80363 Indonesia
Tel. +62 361 778788
Fax +62 361 773888
baliinfo@conradhotels.com Conrad Bali Resort & Spa
Gede Gunawan
Director of Sales & Marketing
Jl. Pratama 68 Raya
168
Tanjung Benoa Bali 80363 Indonesia
Tel. +62 361 778788
Fax +62
361 773888
baliinfo@conradhotels.com Conrad
Bangkok
Manfred Pieper
General Manager
All Seasons Place
87, Wireless Road
Bangkok 10330 Thailand
Tel. +66 2 690 9999
Fax +66
2 690 9000
pieper@conradbangkok.com Conrad Bangkok
TBC
Director of Sales & Marketing
All Seasons Place 87, Wireless Road
Bangkok 10330 Thailand
Tel. +66 2 690 9999
Fax +66 2 690 9000
bangkokinfo@conradhotels.com Conrad Centennial
Singapore
Heinrich Grafe
General Manager
Two Temasek
Boulevard
Singapore 038982
Tel. +65 6334 8888
Fax +65 6333 9166
singaporeinfo@conradhotels.com Conrad Centennial Singapore
Theresa Choo
Director of Sales & Marketing
Two Temasek Boulevard
Singapore 038982
Tel. +65 6334 8888
Fax +65 6333 9166
singaporeinfo@conradhotels.com Conrad Hong
Kong
Dennis Clarke
Area VP, Asia & Managing Director
Conrad Hong Kong
Pacific Place 88 Queensway
Hong Kong China
Tel.
+852 2521 3838
Fax +852 2521 3888
hongkonginfo@conradhotels.com Conrad Hong Kong
TBC
Director of Sales & Marketing
Pacific Place 88 Queensway
Hong
Kong China
Tel. +852 2521 3838
Fax +852 2521 3888
hongkonginfo@conradhotels.com Conrad Jupiters
Gold Coast
Vince King
General Manager
PO Box 1515
Broadbeach Island, Broadbeach
Queensland 4218 Australia
Tel. +61 75 592
1133
Fax +61 75 592 8219
goldcoastinfo@conradhotels.com Conrad Jupiters Gold Coast
TBC
Director of Sales
PO Box 1515 Broadbeach Island, Broadbeach
Queensland 4218 Australia
Tel. +61 75 592 1133
Fax +61 75 592 8219
goldcoastinfo@conradhotels.com Conrad
Tokyo
Gregor Andreewitch
General Manager
1-9-1
Higashi-Shinbashi Minato-ku,
Tokyo 105-7337 Japan
Tel. +81 3 6388 8000
Fax +82 3 6388 8001
Gregor.Andreewitch@conradhotels.com Conrad Tokyo
Naoki Oto
Director of Business Development
1-9-1 Higashi-Shinbashi Minato-ku,
Tokyo 105-7337 Japan
Tel. +81 3 6388 8000
Fax +82 3 6388 8001
tokyoinfo@conradhotels.com Conrad Treasury
Brisbane
Chris McBride
General Manager
130 William Street
Brisbane, Queensland 4000 Australia
Tel. +61 7 3306 88 88
Fax +61 7
3306 88 80
brisbaneinfo@conradhotels.com Conrad Treasury Brisbane
John
Bertram
Director of Sales & Marketing
130 William Street
Brisbane, Queensland 4000 Australia
Tel. +61 7 3306 88 88
Fax +61 7
3306 88 80
brisbaneinfo@conradhotels.com Hotel Contacts - Europe Conrad Brussels
Marc de Beer
General
Manager
Avenue Louise, 71
1050 Brussels, Belgium
Tel. +32 2 542 42
42
Fax +32 2 542 42 00
brusselsinfo@conradhotels.com Conrad Brussels
Charles
Gay-Para
Director of Sales
Avenue Louise, 71
1050 Brussels, Belgium
Tel. +32 2 542 48 92
Fax +32 2 542 48 12
brusselsinfo@conradhotels.com Conrad
Dublin
Martin Mangan
General Manager
Earlsfoot Terrace
Dublin 2, Ireland
Tel. +353 1 602 89 00
Fax +353 1 676 54 24
dublininfo@conradhotels.com Conrad Istanbul
Jean-Sebastien Kling
General Manager
Yildiz Caddesi, Besiktas
34353 Istanbul, Turkey
Tel. +90 212 227 3000
Fax +90 212 227 3407
js.kling@conradhotels.com Mount Juliet
Conrad
William Kirby
General Manager
Thomastown County
Kilkenny Ireland
Tel. +353 56 777 30 00
Fax +353 56 777 30 19
mountjulietinfo@conradhotels.com Conrad Istanbul
Burcu
Yatmazoglu
Marketing Manager
Yildiz Caddesi, Besiktas
34353
Istanbul, Turkey
Tel. +90 212 227 3000
Fax +90 212 227 3406
Burcu.Yatmazoglu@conradhotels.com Hotel Contacts - Middle East & Africa Conrad Cairo
Kevin
Brett
General Manager
PO Box 2044 - Ataba 1911 Corniche El Nil
11221
Cairo, Egypt
Tel. +202 2580 8000
Fax +202 2579 8080
cairoinfo@conradhotels.com Conrad Cairo
Naser
Mokhtar
Director of Sales & Marketing
PO Box 2044 - Ataba 1911
Corniche El Nil
11221 Cairo, Egypt
Tel. +202 2580 8000
Fax +202 2579
8080
cairoinfo@conradhotels.com Hotel Contacts - The Americas Conrad Chicago
Russell Menkes
General
Manager
521 North Rush Street at Michigan Avenue
Chicago, IL 60611,
United States
Tel. +1 312 645 1500
Fax +1 312 645 1550
chicagoinfo@conradhotels.com Conrad Chicago
Caryn F.
Granzow
Director of Sales & Marketing
521 North Rush Street at
Michigan Avenue
Chicago, IL 60611, United States
Tel. +1 312 896 7466
Fax +1 312 327 0598
chicagoinfo@conradhotels.com Conrad
Indianapolis
Greg Tinsley
General Manager
50 W.
Washington Street
Indianapolis, IN 46204, United States
Tel. +1 317 713
5000
Fax +1 317 638 3687
indianapolisinfo@conradhotels.com Conrad Indianapolis
Philippe
Thevenet
Director of Sales & Marketing
50 W. Washington Street
Indianapolis, IN 46204, United States
Tel. +1 317 524 2505
Fax +1
317 638 3687
philippe.thevenet@conradindianapolis.com

Conrad Miami
Robert Thrailkill
General
Manager
Espirito Santo Plaza 1395 - 1401 Brickell Avenue
Miami, Florida
33131
Tel. +1 305 503 6500
Fax +1 305 503 6599
miamiinfo@conradhotels.com Conrad Miami
Mari Garcia
Director of Sales & Marketing
Espirito Santo Plaza 1395 - 1401
Brickell Avenue
Miami, Florida 33131
Tel. +1 305 503 6500
Fax +1 305
503 6599
miamiinfo@conradhotels.com Conrad Punta Del Este
Resort & Casino
Jorge Serna
General Manager
Parada 4,
La Mansa
Punta del Este 20100 Uruguay
Tel. +598 42 49 1111
Fax +598
42 48 9999
puntadelesteinfo@conradhotels.com Conrad Punta Del Este Resort &
Casino
David Goldfein
Director of Sales & Marketing
Parada 4, La Mansa
Punta del Este 20100 Uruguay
Tel. +598 42 49 1111
Fax +598 42 48 9999
puntadelesteinfo@conradhotels.com

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

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 Plans

The 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 Wrangling

The 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 Holdings

There 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.

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 vormen
Doorlopend kredietWat is een doorlopend krediet?Een doorlopend krediet is er om over langere periode meer bestedingsruimte te hebben. U mag steeds geld opnemen tot aan de kredietlimiet, maar u mag ook minder opnemen.
Tussentijds mag er altijd zonder boete worden afgelost. Dit krediet is handig wanneer u nog niet exact weet hoeveel geld u nodig heeft of wanneer u het geld nodig heeft. U betaald elke maand een vast bedrag aan rente en aflossing.
Voordelen:- Alleen rente betalen over het opgenomen bedrag- Tussentijds extra geld aflossen (boetevrij)- Meestal een eigen bankpas
Oversluiten van een doorlopend krediet:U heeft een lening of misschien wel meerdere leningen lopen. Het is dan vaak voordeliger om uw huidige krediet(en) over te sluiten. In plaats van verschillende afschriften, komt alles dan op één handig overzicht.
Tussentijds een extra krediet afsluiten:Wanneer u geen achterstand hebt opgelopen met betalen en uw financiële situatie laat het toe, is het mogelijk om een nieuwe lening af te sluiten voordat de vorige is afgelopen. Een deel van het bedrag dat u leent, wordt dan gebruikt voor de aflossing van de vorige overeenkomst(en).
Verhogen doorlopend kredietHet kan voorkomen dat naast uw doorlopend krediet nog behoefte is aan een extra financiële reserve. U kunt er dan voor kiezen om het bestaande krediet open te breken en vervolgens uw krediet te verhogen.
Persoonlijke lening
Wat is een persoonlijke leningBij de persoonlijke lening krijgt u in één keer de beschikking over het geleende bedrag. Wanneer u een persoonlijke lening afsluit, weet u precies wanneer de lening eindigt. U spreekt namelijk van tevoren een looptijd af. Zo spreekt u bij een persoonlijk krediet eenmalig een leenbedrag en een looptijd af. U krijgt dit bedrag in één keer op uw rekening gestort. Vervolgens betaald u maandelijks een vast bedrag aan rente en aflossing. In tijden van rentestijgingen biedt een persoonlijk krediet u zekerheid, want uw rente blijft ongewijzigd! Zo weet u precies waar u aan toe bent.Bent u van plan een nieuwe auto of caravan te kopen? Of wordt het tijd voor nieuwe meubels? Wellicht heeft u hiervoor gespaard, maar is het genoeg? Wanneer u extra geld nodig heeft, maar graag overzicht houdt in uw financiën, is een persoonlijke lening voor u een oplossing!
Voordelen:- Uitbetaling direct ineens- Vast rentepercentage- Vast maandbedrag- Vaste looptijd
Vaste renteWanneer de rente stijgt is een persoonlijke lening ideaal. Mocht de rente stijgen, dan heeft dit geen enkele invloed op de persoonlijke lening. Deze rente blijft ongewijzigd.
Stel u koopt een auto. Bij een persoonlijke lening spreekt u van tevoren af wat de looptijd van de lening is. U kunt deze lening bijvoorbeeld afstemmen op de levensduur van uw auto. Hierdoor voorkomt u dat de auto al is afgeschreven, maar u nog steeds moet betalen aan uw persoonlijke lening.

Spaarkrediet
Een spaarkrediet is een doorlopend krediet, gekoppeld aan een kapitaalverzekering.
Doorgaans betaald u voor een doorlopend krediet maandelijks een bedrag aan rente en aflossing. Bij een spaarkrediet betaald u echter alleen rente, die wordt berekend over het bedrag dat u heeft opgenomen. Gedurende de gehele looptijd kunt u tot uw kredietlimiet bedragen blijven opnemen.Daarnaast betaald u een maandelijkse premie voor een kapitaalverzekering.Met deze verzekering kunt u een kapitaal opbouwen om de lening af te lossen.Dit gebeurt met een kapitaalverzekering bij een gerenommeerde verzekeringsmaatschappij. De uitkering is gelijk aan de eindwaarde van de participaties en dus afhankelijk van de koersontwikkeling.
Rentekrediet
Een rentekrediet is een leenvorm voor particulieren die veel lijkt op een doorlopend krediet. Het grootste verschil is dat men bij een rentekrediet niet verplicht wordt om maandelijks af te lossen. Daardoor is het rentekrediet de leenvorm met de laagste maandlast. Deze leenvorm wordt ook vaak gebruikt om geld achter de hand te hebben, zoals bij een verbouwing of restauratie van bijvoorbeeld een oldtimer of ander duur verzamelobject. De looptijd van een rentekrediet is in principe oneindig. U lost immers niets af en betaald alleen rente. Ingezetenen van Nederland van 18 tot 65 jaar met een vast inkomen, wat niet mag bestaan uit een uitkering van de sociale dienst of de WW, kunnen in aanmerking komen voor een rentekrediet.
Moneyweb.nl is in het leven geroepen om als bemiddelaar in geldkredieten informatie te geven aan consumenten op het gebied van hypotheken en leningen. Hierbij wil Moneyweb.nl de consument helpen juiste en verantwoorde keuzes te maken bij het afsluiten van een lening of hypotheek.
Wij worden beloond door aanbieders op basis van doorlopende provisie voor wat betreft consumptief krediet en uit een mix van afsluit- en doorlopende provisie betreffende hypotheken en verzekeringsproducten. Bij eventuele klachten kunt u ons een brief sturen ter attentie van de Directie. Voor onverhoopte geschillen zijn wij aangesloten bij Klachteninstituut Financiële Dienstverlening.Moneyweb in English