Mijn hond Hannah

Looking forward to 2012, top 5 “must” reads as we enter the last week of 2011.

An eclectic collection: two novels, one from a never-read author and the upcoming smash from a proven winner. A historical reflection on the Vietnam war, a look back at Berlin 1961 the most dangerous city in the world at that time, a blockbuster-to-be business book by a favorite business thinker. And… an old favourite to be revisited in electronic format.

Great by Choice: Uncertainty, Chaos & Luck – - Why Some Thrive Despite Them All by Jim Collins and Morten T. Hansen

Not surpassingly, “Great by Choice” is receiving strong reviews. Collins is an accomplished rock climber and an even more accomplished business observer. His books convey a great deal of common sense but I always find his contrarian, data-driven thinking to be provoking and insightful.

“Great by Choice” attacks the question of how to steer a company to lasting success in an environment characterized by change, uncertainty and even chaos. Likely to be one of the BIG business books of 2012 similar to his earlier “Good to Great” and “Built to Last”.

Dereliction of Duty: Lyndon Johnson, Robert McNamara and the Joint Chiefs and the Lies that Led to Vietnam by H.R. McMaster

I noted a reference to H.R. McMaster in George Bush’s “Decision Points”. Evidently, W found McMaster, a US Army General who served in Vietnam during his early army days, an engaging contrarian whose counsel W sought during the post-Iraq invasion years.

McMaster was passed over several times for promotion during his illustrious career, allegedly in retribution for his outspoken views, some of which are captured in “Dereliction of Duty”.

McMaster’s thesis is likely similar to the subject of a number of articles I read in Ramparts and other counter culture publications during the Vietnam debacle. Many referenced the absence of true military and political intelligence reaching LBJ and his advisers. Walt Rostow, LBJ’s Special Assistant for National Security Affairs, was an unwavering believer in the Vietnam war and America’s ability to triumph in the Asian jungles. Apparently, Rostow shaped and controlled the intelligence so selectively that the 1968 Tet Offensive was unthinkable and unimaginable for LBJ and his cabinet.

Rostow’s failed policies, of course, led to LBJ’s exit: “I will not seek, I will not accept another term as your President”. Rostow himself left Washington and retreated to Texas academia.

Look forward to this “insider’s” perspective on the Vietnam failure.

Berlin 1961: Kennedy, Khrushchev, and the Most Dangerous Place on Earth by Frederick Kempe

As a graduate student visiting Europe in the early 1970′s, I spent several days reveling in the-then West Berlin and trying to comprehend East Berlin.

West Berlin lived for the moment as if some invasion from the east would end the incessant freedom celebrations.

East Berlin was a very different world. Foreboding: bullet pock marks remained on the walls of building 30 years after WWII ended. Border patrols pointed weapons on the slightest provocation. While the feared Stasi were not visible their presence was palpable.

Looking back to 1961, not a stretch to imagine East Berlin as the most dangerous place on earth.

11/22/63: A Novel by Stephen King

An admission. I may be one of those rare individuals who has never read a Stephen King novel. Not certain why I have not broken the spine of a King novel and now that I’m reading e-books, I’ll likely never have that satisfaction.

In 2012 I’ll slay that dragon, empty that item from the bucket list. Reviews are good, subject matter is of great interest. So, I look forward to the inaugural.

A Wanted Man by Lee Child

I learned of author Lee Child earlier this year. Somehow had overlooked his Jack Reacher novels despite always searching for a new and refreshing thriller writer. Thanks to Malcolm Gladwell for the recommendation via an interview.

Now that I read my way through each one of the 15 Reacher novels, I’m awaiting the release of #16 “A Wanted Man” in September or October.

A very long wait! A Farewell to Arms by Ernest Hemingway, an all-time favourite to be revisited.

Early last year I renewed acquaintance with Hemingway’s “For Whom the Bell Tolls” after a 40+ year separation.

I plan to reconnect with “A Farewell to Arms” in 2012. My last encounter with this Hemingway masterpiece of WWI was as a first year York University undergrad reading the Scribner’s edition. Cost about $1.50.

This encounter will be via Kobo e-book version.

Free directory submission sites

One of the best hobbies in the world is to read. Reading always makes you feel like you are spending your time productively, while also making you feel wonderfully relaxed at the same time. This is why most of us love to snuggle up in bed with a nice magazine at night, or love spending unexpected, lazy afternoons with our favourite magazines and a bag of chips on the couch. These days, magazines are getting much better, and are far more interesting than they were before. The publishers of these magazines are facing heavy competition from the internet, which is accessible to people through various devices. However, as a reader, even you would know that nothing could ever beat the joy of a printed magazine. Thus, if you love reading, or would like to keep yourself updated in a particular area, then you should definitely consider taking up a magazine subscription.

On Time Delivery

The advantage of doing this is that when you subscribe to a particular magazine, you will get every issue delivered at your doorstep on time, sometimes even before it hits the stalls. Thus, you will never miss a single issue, and can keep yourself updated of what is happening at all times. This is something which many people, who have the habit of picking up magazines from stalls, face. With a subscription, you can ensure that this never happens. In case you change your address, you can always inform the company, and you will then start receiving your issues at the changed address. You don’t have to even take the trouble of informing the publication house by post – you can simply drop them an email, or send a request through their websites.

Discounts and Gifts

The magazine subscription discount is one of the biggest advantages. If you calculate the cost of buying issues from stalls individually, and then check the discount you get on subscriptions, you see that you can actually end up saving quite a lot of money. Most of the publication houses also give you some exciting gifts each time you subscribe. The gifts are very beautifully designed, unique items which will give you great pride and joy to use. Also, the items that will be sent to you as gifts will be stuff that is related to the magazine’s area or field.

Never a Dull Moment

For example, people who subscribe to health magazines could get a free gym bag, or a yoga mat. The catalogue for these items is available online, and you can pick the item which you need the most, in the colour of your choice. Thus, you can now kiss dull moments a firm goodbye. Whenever you are bored, or would like to relax, you can simply pick up your favourite magazine, get comfortable, and then get completely lost in a world which you love. The magazines of today are very area specific, and thus you can bet that you will be getting information on that area from all parts of the world.

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Decyzja o kredycie mieszkaniowym musi być właściwie przemyślana. Chociaż zaraz na początku wyłania się kluczowe zagadnienie: czy udzwigniemy to? Otóż to od odpowiedzi na to pytanie trzeba począć nasze przygotowania. Główną sprawą jest nasza zdolność płatnicza. To od zdolności finansowej będzie zależeć, jak dużo instytucja finansowa może nam zaproponować pieniędzy pod zastaw domu. Ale nie można również zapominać o osobistym zdaniu, które będzie kluczowym wyrokiem i zwiąże nas z instytucją finansową na kilkanaście lat.
Zdolność płatnicza jest pierwszą kwestią, jaką wyliczy dla nas instytucja bankowa. Dopiero po jej obliczeniu pracownik banku będzie wiedział, czy będziemy porządnym kredytobiorcą. Kredyt mieszkaniowy jest apetycznym dochodem dla banku, ale wymaga wysokiej ostrożności.Do policzenia zdolności kredytowej konieczne będzie zaświadczenie o zarobkach i informacje rodzinie. Kluczowe jest to, czy mamy potomstwo i czy pozostajemy w związku. O ile partner pracuje, zdolność kredytowa podnosi się. Zaniżają ją jednak dzieci, które potrzebują nakładów .
Dodatkowym ważnym czynnikiem jest termin, na jaki bierzemy kredyt mieszkaniowy oraz posiadłość, jaka jest poręczeniem. Wydłużając okres kredytowania, zwiększamy własną zdolność finansową. Jeśli nasze poręczenie hipoteczne ma wysoką wartość i zostanie korzystnie oszacowane przez instytucję finansową, uzyskamy również sposobność wzięcia wyższego kredytu.
Jakkolwiek nawet jeśli kredytodawca przedstawi nam propozycję na sumę przewyższającą nasze oczekiwania, nie dajmy się zmanipulowć! Powinno się zaciągać tyle ile musimy, inaczej można tego mocno potem żałować.

Pozyczki przeczytaj

Do you know that your teenagers must pay attention to their social media habits at least by their junior year in High School? If they don’t then you as a parent must step in and do something about it.

Back in the 1960′s colleges did not care about teenagers and their social skills online to enter into college. Although in the 21st Century it seems to be the biggest Bling in successful college entries. As a parent I can testify that I have limited time, energy and money to help my teenager get into a great college. The cost of living has decreased, my Budget and funding is limited. Even when the teenager chooses a college there is no guarantee that a reliable job market will be there in the end of their educational degree of choice.

QUOTE: “In 2008 only 10% of Colleges checked applications social media activities and now in the year 2012 approximately 80% of colleges check social media activities.”

Isn’t that startling?!!

What is social media? It is photo’s videos and graphics that show and reveal the gifts and talents of future college student’s activities. There are so many great social networking sites to be a part of and be a part of a community. FaceBook, YouTube and Twitter are the big three that most are online with sharing today.

Diane Griffin suggests parents ask their teens what social network sites they participate on and to see what they post online. If it is not “college approval” then the teen needs to consider changing it to become more professional to get into a great college. Parents need to ask and become aware of this to help a teenager get into a college more easily. Diane also talks about how the teen can talk to alumni of a college to get a feel for the college and also feel more comfortable if they want to visit. The alumni student might be able to take your teenager through a walk-though of the college a year or so before the final decision is made. I know as a parent I would want that for my daughter now.

This is a wonderful book for parents and teenagers to fully equip you with the knowledge of what to do before your teen tries getting into a college. Diane’s book will give you “A Novice’s Social Networking Cheat sheet,” which every parent of a college bound teen should have.” The cheat sheet helps me now as my daughter will attend college in the fall. I have already applied for and got approval for filling out the FAFSA form. Please look it up if you need future assistance.

2012 Jackie Paulson All Rights Reserved

Link do artykułu

Web Directory

Zobowiązania dla zadłużonych coraz bardziej wzięte.

W Polsce sektor kredytów dla zadłużonych nieustająco się rozwija. Powstało kilka instytucji udzielających nawet zobowiązania dostępne w czasie jednego dnia.

Zobowiązania dla zadłużonych świadczy sporo firm na naszym rynku. Firmy takie jak Provident, czy popularne Kredyty chwilówki korzystają często z ciężkiej sytuacji konsumenta, narzucając wysoki procent.
Rozwiązanie to jest jakkolwiek uzasadnione, gdy nie możemy wykazać zdolności kredytowej, ani udowodnić przychodu.

Szybkie pożyczki

Coraz regularniej z takimi organizacjami w rywalizację wkraczają same banki, udzielając kredyty gotówkowe bez poświadczenia o zarobkach. Zobowiązania te są w znacznym stopniu oprocentowane, ale dostępne. Ryzyko banku jest wynagradzane naszymi większymi spłatami.

Warto korzystać w takich sytuacjach z usług opiniodawców kredytowych i poszukiwać najtańszy kredyt będący do dyspozycji w danej chwili.

Błyskawiczna pożyczka to metoda na łatwe osiągnięcie środków pieniężnych. Pieniążki można uzyskać nadzwyczaj prędko w głównej mierze ze względu na to, iż formalności w ciągu ubiegania się o taką pożyczkę są obniżone do minimum. Niedużo formalności to oszczędność czasu, a na tym nam wszystkim dzisiaj najmocniej zależy. Szybka pożyczka przeznaczona jest dla lodzi którzy mają od groma na głowie, przyjmują prędkie i odważne decyzje.

Pożyczki bez bik są również przeznaczone dla osób, które miewają kłopoty w płynności pożyczkowej i potrzebują finansów na regulowanie aktualnych opłat.

Pożyczka pozabankowa to na pewno niezwykle atrakcyjne narzędzie finansowe, pozwalające na dowolne administrowanie swoimi kosztami i budżetem. Pozwala na utrzymanie płynności pożyczkowej w nieprzewidzianych sprawach. Z pewnością należałoby brać pod uwagę taką alternatywę, przede wszystkim, że zdobyć środki pieniężne tą drogą jest relatywnie prosto, właśnie z tej przyczyny, iż formalności jest niewiele, procedury są ułatwione, a rozstrzygnięcie o pożyczce zapada w mgnieniu oka.

Dzisiaj, 29 maja, rozpoczyna się nowa kampania reklamowa, która jest kolejnym etapem realizowanej od kwietnia br. strategii budowania wizerunku banku.

Celem kampanii jest przedstawienie w prosty sposób nowatorskich produktów Polbanku, dlatego w kampanii wykorzystano nietypowe symbole podkreślające główne zalety kredytu Bezpiecznego i Konta Samooszczędzającego. Cała kampania jest spójna z obraną strategią bycia bankiem „po prostu po ludzku”.

- Realizujemy strategię bycia bankiem, który traktuje klientów „po prostu po ludzku”. Wierzymy, & e sposób, w jaki przedstawiamy nasze innowacyjne i atrakcyjne cenowo produkty bankowe – Kredyt Bezpieczny i Konto Samooszczędzające – będzie zrozumiały dla ka& dego – mówi Kazimierz Stańczak, dyrektor generalny Polbanku.

Kampania swoim zasięgiem obejmie telewizję, prasę, outdoor oraz internet. Spoty reklamowe będą emitowane w TVP 1 oraz TVP 2, TVP 3, Polsat, TVN, TV4 i TVN 7. Po raz kolejny zostaną wykorzystane w niej czarno-białe filmy reklamowe, w których zgodnie z realizowaną od początku strategią wystąpią konkretni, znani z imienia i nazwiska, pracownicy Polbanku. Nowością, jaka pojawi się w telewizyjnych spotach będą przedmioty – symbole, za pomocą których pracownicy banku przedstawiają zalety Kredytu Bezpiecznego oraz Konta Samooszczędzającego. W przypadku Konta jest to czerwona świnka, będąca portfelem i skarbonką w jednym, natomiast niebieska sprę& ynka, symbolizująca elastyczność jest symbolem Kredytu Bezpiecznego.

- Dotychczasowa czarno-biała konwencja z udziałem konkretnych pracowników banku spotkała się z pozytywną reakcją na polskim rynku. W kolejnym etapie zdecydowaliśmy się wprowadzić przedmioty-symbole, aby w ten sposób odbiorca mógł łatwo zrozumieć zalety naszych innowacyjnych produktów. Dodatkowo akcję filmu wprowadziliśmy do oddziału, aby urzeczywistnić przyjemną atmosferę panującą w naszym banku. Wierzymy, & e nasze ludzkie podejście do konsumenta zostanie docenione – mówi Paweł Maliszewski dyrektor marketingu Polbanku.

W nowej kampanii oprócz telewizji zostanie równie& wykorzystana reklama zewnętrzna.

Na billboardach w największych miastach Polski, pojawią się przedmioty symbolizujące Konto Samooszczędzające i Kredyt Bezpieczny. Co więcej, od momentu rozpoczęcia kampanii, świnka i sprę& ynka wejdą na stałe do wyposa& enia oddziałów Polbanku.

- Za ich pomocą nasi doradcy będą mogli w łatwy sposób wytłumaczyć ka& demu klientowi zalety naszych produktów – tłumaczy Paweł Maliszewski

Nowa kreacja Polbanku w ramach kampanii reklamowej, podobnie jak w jej pierwszej części, została przygotowana przez agencję BNA pod kierownictwem Wojciecha Mierowskiego. Spoty reklamowe powstały pod okiem wybitnego re& ysera Doroty Kędzierawskiej, autora prostych i przejmujących filmów takich jak: Wrony, Nic czy Jestem” oraz uznanego operatora Arthura Reinharta. Planowanie oraz zakup mediów przeprowadził zespół domu mediowego Macroscope OMD pod kierownictwem Beaty Kowalewskiej.

Polbank otworzył od połowy lutego ju& 27 placówek w całej Polsce. Obsługuje równie& klientów za pośrednictwem centrum telefonicznego Polbank24.

autor: Polbank

• Top ogĹ‚oszenia

High tech technologies and gadgets have made it so easy to promote a business these days. The cost has incredibly gone down and people can quickly and easily communicate with people from all part of the world. This has led to the proliferation of small businesses in the market. Although the motive is good, which is to provide a source of income for people, the market is getting really crowded by the day.

It seems that it’s so easy to start a business, but maintaining it is a complex process. With the number of businesses all trying to get people’s attention, the sad truth is nobody trusts anyone these days. The market is full with competition. If you are not tough enough, you won’t survive it. Fortunately, there are strategies you can do that will help face the competition and get noticed. These strategies don’t need a lot of investment. All they require is your creativity and perseverance.

If you want the easy way, one ideal strategy to do is poster printing. The material may be old-fashioned, but the strategy is innovative. With just one poster, you can do wonders with your marketing campaign. It will let you get your message heard and draw people to your store-that is, if you are able to make the best out of the material.

If you want to start making wonders with your posters, here are the steps to do:

1- Make the design one of a kind. Don’t copy other posters. Don’t make it look like that you are simply copying what your competitors are doing. If you do this, you won’t be making any difference to your campaign. You will only sink deeper in the crowd. Standing out means creating an exceptional design-something you can call your own. If you are a bit hesitant of your designing capacity, you can always ask the help of a graphic designer.

2- Full color or not? If you have enough funds, full color printing is recommended, but because savings is your concern, you can simply opt for two or four-color printing. This won’t cost much but you will still get a colorful and captivating material.

3- Stick with the standard size. You don’t really have to make your poster really huge. You can already do enough with a standard sized poster. Just keep your message short and clear. After all, you don’t expect your target audience to stand in front of your poster all day just to read your full page message. The shorter your message is the better.

4- Team up with a reputable printer. Although hiring a printing company will cost you extra, you can be assured that all your posters will look exceptional. Compared to home printing, a professionally printed poster will look more stunning. It’s not really costly to print through print shops. There are price cuts you can avail of such as coupons and bulk printing discounts which will give you great savings.

Stunning posters will truly do wonders to your business. However, looking good is just part of the entire package. You still have to convey realistic promises and benefits so you can truly stand out and gain competitive advantage over your competitors. Printing posters should be done delicately, so be sure to invest well on your own posters.

• Po

The Porsche 912 began as the Porsche 901, introduced at the Frankfurt Auto Show in 1963. Porsche’s new Model 901 for 1964 was a sensation to some and viewed with skepticism by others. In addition to a slightly larger and distinctly attractive new body, the 901 featured Porsche’s new 6 cylinder, air cooled, race-derived, double overhead cam engine.

In what seems to have been a rare mistake, Porsche gave their new passenger car the 901 model designation. However, a French company had an existing copyright on all European passenger car model designations with a zero in the middle position.

Porsche adjusted quickly and introduced the new 1965 Model 911 the year after the Frankfurt Auto Show. (Porsche could, and did, use the center zero on race car models, including the stunning fiberglass bodied 904, the 907 and 908.)

Early sales of the then-revolutionary 911 were slow. Many Porsche owners who might have been early 911 buyers may have been unsure of the new 6 cylinder engine.

Thousands of owners, though, were very happy with the legendary 4 cylinder pushrod engine that had served them faithfully since the early 1950s.

The Porsche factory had a supply of the Model 356 engines on hand, so it didn’t take long for the new 912 to be introduced with the more familiar engine in 1965.

The 1965 “painted dash” and later 912s were well received. The 912 actually outsold the much faster (and more expensive) 911 by about two to one in the 1965 model year.

And for good reason; the Porsche 912 featured a slightly de-tuned version of the well-known Model 356 Super 90 engine and a snappy new design. Beneath the exquisite new Porsche body were the 911′s independent 4 wheel torsion bar suspension and race-proven chassis features.

The 912 was roomier than the Model 356. It also had better driver visibility and boasted almost perfect 45/55 front/rear weight distribution. The 912 cost less and weighed less than the 911.

The 912 was easier (and less expensive) to maintain. The 912′s economical, durable, and race-proven engine traced its roots back through the successful “giant killer” Porsche Model 356 variants and directly to Dr. Porsche’s Volkswagen of the late 1930s.

Porsche reportedly manufactured 31,270 912s during the 1965 to 1969 model years.

In the final 1969 model year, a reported 4,679 912s rolled off Porsche assembly line into the garages of eager buyers all over the world.

Mine is pictured above, in British Columbia after having been driven on U.S. Route 95 without incident from the Mexican border at San Luis, Arizona to Eastport Idaho at the Canadian border. The car has its original 1969 yellow on black California license plates and new (2006) Grand Prix White paint.

It was built as a Light Ivory 4-speed Coupe with tinted windows, front and rear bumper horns and a Blaupunkt AM/FM/SW radio. It rolled off the Porsche assembly line on May 13, 1969.

For many, including this Writer, the 1969 912 was, and is, the perfect sports car for the common man or woman.

It also happens to be an ideal high performance ride for enjoying America’s current and former U.S. highways in classic style.

• Kredyty got

Are you afraid of wearing nice, tight fitting shirts or dresses because of your protruding belly? Do you hate going to beach because, even if your arms and legs look fit and trim, you still would not look good in a pair of bikini swimsuits or board shorts? If you are tired of all the exercises made specifically for this problem area, get the 31 Day Fat Loss Cure.

The adipose tissues around your middle are the most persistent. You can do several kinds of crunches and sit-ups for months and feel utterly dejected that there are very little changes happening.

Luckily, there’s 31 Day Fat Loss Cure. From the name of the book itself, you will see amazing results in just thirty-one days. The program is designed and written by Vic Magary, a former military man and a Taekwondo champion. With his background, you can be assured that he knows what he is talking about.

The first part of this remarkable instructional guide talks about diet modification. A lot of people think that dieting means eating less. However, Vic Magary believes that dieting means choosing the right kinds of food to eat. It provides tips on what to eat and how you should prepare your meals.

For instance, it talks about drinking water only. Other beverages contain tons of calories, sugar and artificial ingredients. Conversely, water has zero calories and has the ability to support your overall health. One of the simplest pointers that he has for his clients is to go for fresh produce all the time. Processed food should not be an option because of all the synthetic components it contains. When you eat right, you will feel good about yourself too. Soon, you will find that you are making the correct choices when it comes to your lifestyle as well.

But don’t think that this guide is all about cutting down on sweets and fatty foods. You also need to sweat out a bit and work out. His weight loss program is divided into two levels. You can start doing simple workout routines which are more suitable for beginners. However, you can do the more complex exercises if you think that you can handle these already.

Vic Magary does not discount all the exercises that you are familiar with and are currently doing. Those lunges, squats and pull-ups are effective as long as you are doing it right. If you are not, you are wasting your time. Actually, this guide is very much like having a gym instructor except that you would not be spending hundreds of dollars on memberships and monthly gym fees.

Vanity aside, remember that if you think that you look good, you will feel good too. With the 31 Day Fat Loss Cure, you will feel more confident, not just about your appearance, but the way that you carry yourself and deal with other people.

• Kredyt hipoteczny pko