A finance doctorate indicates the highest level that one can achieve in the finance world. The person who has received a doctorate in finance is one who has spent at least eight years in college studying finance and has often worked in various finance departments learning what is necessary in each of those departments.

This person can then go on to be a Certified Public Accountant, and often has that covered before obtaining a doctorate in finance. This person is well educated in the study of money, monetary methods, personal finance, budgeting, accounting and business finance..

Obtaining a doctorate in anything is not easy. It requires years of education but can be well worth it in the end. Obtaining a Finance Doctorate is no easier than obtaining a medical doctorate and often has the same consequences for those who seek the assistance of the doctor.

However, a finance doctor does not deal with the physical life of the person seeking assistance, these doctor deals with the financial life and dreams of the individual or company. One slip up in this field could cause lasting results that can destroy a business or individual.

To many, their finance is just as important as their health. OneРўs goals and dreams are often built on their finances..

Obtaining a doctorate in finance requires years of study in the college, work related experience and a handle of oneРўs own personal finances. There is often a personal evaluation that one must pass in order to obtain a doctorate in finance. It is not likely that one who does not have good financial planning will be able to continue to the level of achieving a doctor in finance.

A bad credit rating and credit history will cause the clients to distrust the financial planner despite a doctorate..

Finance : Finance doctorate

Применение рулонных настилочных материалов из ваты и др. значительно упрощает обойные работы и улучшает их качество. К ним относятся ватники хлопчатобумажные, ватин и ватилин. Ватник хлопчатобумажный представляет собой пласты ваты, покрытые покровной тканью с одной или двух сторон, причем ткань простегана нитками.

Технология изготовления ватников проста. Поточная линия состоит из трех станков: ножниц для продольной резки покровной ткани, швейной машины и станка для резания ватников по длине. Покровная ткань из рулона с размоточного приспособления поступает на станок для продольной резки, где разрезается на заданную ширину дисковыми ножами..

После продольной резки ткань подается на стол швейной машины, на котором из агрегата с ватой расстилается несколько слоев. Сформированное ватное полотно на ткани подается в уплотняющие рифленые ролики и затем на прошивку 14 параллельными строчками одновременно. За швейной машиной механический нож разрезает полотно на заданные по длине ватные прокладки..

Ватилин хлопчатобумажный представляет собой холсты хлопчатобумажной ваты, проклеенные с одной или обеих сторон аппретом (смолой, клеем). Этот материал изготовляют из хлопкового волокнистого сырья, искусственных и синтетических волокон, а также волокнистых отходов хлопкопрядильного и льняного производства, отходов заводов искусственных и синтетических волокон..

Обивка мебели : Рулонные настилочные материалы

Corporations can declare bankruptcy for a number of different reasons. While the reasons for bankruptcy are varied, a few things remain the same. One, a bankruptcies corporation does not mean that the shareholders are liable for the debt that was created.

This works in opposite too, if a shareholder declares bankruptcy, the corporation is not liable. A corporation is a separate entity than the shareholders and is considered an individual by those standards. This means that the business is responsible for its own debt and the repayment of this debt.Chapter 7 bankruptcy is one of the most common forms of bankruptcy for a corporation.

This form of bankruptcy sells the liquidation and repays the creditors with this amount. The earned wages after the case has begun are untouchable by the creditors. This form of bankruptcy destroys the credit of the corporation filing for it. At this point, the business is done. In order to restart a business, the corporation will need to file for a new business license and create a new business entity..

Chapter 11 bankruptcy is the reorganization bankruptcy. This form of bankruptcy allows a business to retain the assets and reorganize a payment method to get out of debt. The courts then bind the creditor and the debtor to this repayment method. This is one of the most common forms of bankruptcy for large businesses.

Chapter 11 bankruptcy allows the business to continue running business as usual and retain any profits over and above the repayments of the outstanding debts..

Chapter 13 bankruptcy is a repayment method for those who do not have enough debt and income in the company to file for chapter 11. This form of bankruptcy allows the business to continue operating and repay the debt over time. With the exception of chapter 7 bankruptcy, all of these bankruptcies can be recovered from by the business..

Company : Corporate bankruptcy

Исправный стояночный тормоз должен удерживать остановленный автомобиль на уклоне не менее 23% и полностью включаться при перемещении рычага вверх на 4—5 зубьев защелки фиксатора. При этом двигатель должен быть отключен от трансмиссии.

При невыполнении этих условий необходимо провести регулировку..

Регулировка хода рычага привода стояночного тормоза на автомобиле ВАЗ-2105 осуществляется следующим образом: перевести рычаг 2 в крайнее нижнее положение, а затем поднять вверх на два зуба защелки фиксатора; отпустить контргайку наконечника троса и подтянуть регулировочную гайку 15 до натяжения троса 11; затянуть контргайку и вновь проверить ход рычага 2, который при полном затормаживании должен перемещаться на 4—5 зубьев (щелчков)..

На автомобиле ВАЗ-2108 регулировка осуществляется аналогично вращением регулировочной гайки на тяге, подсоединенной к уравнителю тросов.

На автомобиле "Москвич" длина каждого троса привода стояночного тормоза изменяется самостоятельно поворотом регулировочных гаек 15 при ослабленных контргайках. Если изменением длины тросов отрегулировать тормоза не удается, следует произвести регулировку в таком порядке: поднять задние колеса и снять тормозные барабаны; ослабить полностью натяжение задних тросов; отвернуть контргайку регулировочного эксцентрика; с помощью монтажных лопаток для шин удерживать тормозные колодки прижатыми к нижним опорам и распорной планке, а отверткой проворачивать по часовой стрелке регулировочный эксцентрик, перемещая нижнюю часть разжимного рычага до образования зазора 4 ... 6 мм между наконечником троса и ободом задней колодки; удерживая в этом положении регулировочный эксцентрик, затянуть его контргайку; отрегулировать в таком же порядке тормозной механизм второго колеса; надеть барабан и отрегулировать длину задних тросов по величине хода рычага привода стояночного тормоза..

При значительном износе фрикционных накладок тормозных колодок перед выполнением указанной выше регулировки переставить разжимную планку на укороченные прорези.

На автомобиле ЗАЗ ручной механический привод тормозов регулируют перемещением вперед кронштейна 23 за счет регулировочных прорезей Б под крепящие болты. После регулировки проверяют ход рычага 2, который до полного затормаживания колес не должен превышать 4—5 щелчков. При использовании всей длины прорези Б дополнительное натяжение троса осуществляют перестановкой пальца 22 в отверстие А рычага.

Ход рычага 3 на щите тормоза увеличивается за счет износа накладок тормозных колодок 9 и- автоматического их сдвига в сторону тормозного барабана. Поэтому при большом износе накладок, когда эффективность действия тормоза не обеспечивается за счет указанных выше регулировок, рекомендуется переставить разжимные планки 7 обоих тормозов на укороченные прорези Б.

Если после этого торможение происходит при перемещении рычага всего на 2—3 щелчка, следует несколько ослабить трос, переместив кронштейн рычага назад или переставив палец в первоначальное положение..

Автомобили ВАЗ: Поломки стояночной системы

A company mortgage is the mortgage a business pays for the land that the business is on and the building that the business is housed in. This company mortgage adds equity to the business while ensuring that the business can customize the property as according to the business' needs.

This mortgage is much like a personal mortgage, except that the zoning codes and the building itself is dedicated to the business. There can be other benefits to the company mortgage such as parking lots or train/ship access..

While it is common for retail businesses to rent the area that they occupy, it is not common for manufacturing areas to rent. The other areas of industry that own rather than rent induce the housing industry and the estate industry. The housing industry typically owns the homes or land that they rent out to the customer.

The estate industry typically rents out land to the other industries such as doctor's offices and retail businesses. Hospitals and nursing homes tend to be owned as well, as they are a complex fixture and very difficult to move. Retail space or private doctors tend to rent their land and office, making it cheaper in the end without the long-term commitment to remain in one area..

A company mortgage is often purchased through the industrial or corporate branch of a real estate agency. Most real estate agencies have different lands that they can offer to the businesses. Some real estate companies specialize in company mortgages.

Company mortgages are often provided by banks as a jumbo loan. This loan name simply refers to the monetary size of the loan amount. With small businesses can take out company mortgages personally, larger corporations often handle company mortgages through the main office or parent company of the business..

Company : Company mortgage

Болезнь Гоше (цереброзид-липоидоз). Сущность заболевания состоит в нарушении расщепления глюкоцереброзидов в результате отсутствия или уменьшения количества энзима глюкоцереброзидазы. Болезнь часто бывает семейной, наследуется по рецессивному типу.

Различают острую генерализованную и хроническую форму болезни. При генерализованной форме болезни дефект обмена относится ко всем глюкоцереброзидам; при хронической — поражение касается только части глюкоцереброзидов. При болезни Гоше цереброзиды в большом количестве накапливаются в селезенке (спленомегалия), печени, костном мозге, лимфатических узлах..

При генерализованной форме в процесс вовлекаются легкие, эндокринные железы и головной мозг. Острая (инфантильная) форма может начинаться у детей грудного возраста, и они доживают не более чем до 2 лет. В клинике ведущими являются неврологические симптомы с прогрессирующей олигофренией, спленомегалия и общая кахексия.

При хронической форме возможно выздоровление. К основным симптомам в картине болезни при хронической форме относятся спленомегалия с гиперспленизмом, приводящим к развитию панмиелофтиза, геморрагический диатез и деформация костей голеней, позвоночника и др. как результат остеопороза и остеосклероза.

Больные умирают от панмиелофтиза или от интеркуррентного заболевания. Основным в диагнозе болезни является обнаружение клеток Гоше — крупных ретикулогистиоцитов размером 70—100 мкм, с сетчатой сферической цитоплазмой, часто многоядерных. Цитоплазма клеток заполнена липидами, дающими положительную реакцию с Суданом III.

Биохимически основным липидом является цереброзид-керозин..

Здоровье : Болезнь Гоше (церебродиз-липоидоз)

Electronic commerce software is the software program that the various businesses employ to enable their websites to handle the purchasing of products and different methods of payment. These programs can be complex or simple, but they all handle digital money or create invoices for checks or money orders in the sale of a product.

These programs can be purchased or be created for an individual business..

Electronic commerce software has several functions. The primary function is to handle to currency from the customer to the company in the form of digital payment. This payment can be from a debit or credit card or a digital check.

Either method is easy to transfer funds quickly and safely from the customer to the business. Some of these electronic commerce software programs allow for one to use his or her Paypal.com account. These programs can also handle the addition of the products, calculations of the price, the taxes and the shipping and handling fees.

This is all made into one clear amount due for the customer..

The electronic commerce software system that is used by the company can be complex or simple. There are software programs that enable coupons to be registered, discounts for frequency of use, and saved consumer information. These programs tend to be very complex and therefore more expensive to purchase and maintain.

There are software programs that simply add up the costs of the products and charge the customer said amount, on the other hand. These systems tend to be easier to use and therefore more efficient than the more complex systems..

Electronic commerce software provides a company with statistics and sales data in order to track all information regarding the sales made through the eCommerce or electronic commerce site. This information can be used for shipping and sales reporting.

Commerce : Electronic commerce software

В США умер выдающийся врач, хирург Майкл . Именно он помогал оперировать первого президента России Бориса – когда ему делали коронарное шунтирование.

Знаменитый кардиохирург скончался в одной из больниц Хьюстона. Дебейки был не только выдающимся хирургом, но и изобретателем медицинских технологий.

Коллега знаменитого американского врача, директор Института сердечно-сосудистой хирургии им. Бакулева Лео Бокерия был лично знаком с Дебейки и очень скорбит об этой потере.

Майкл Дебейки всего несколько месяцев не дожил до своего столетия. В октябре должен был состояться конгресс, посвященный юбилею знаменитого ученого и , передает радио "Маяк".

Скончался основоположник кардиохирургии

People from all walks of life dream of one day being their own boss. We've grown tired of the eight, ten, and twelve hour days of working hard, while often being treated badly in the process. Many people have original and innovative ideas that are practical enough to build upon, but what if you are stumped? What if you just know you need to make a change and you are ready to venture out but you can't come up with an idea to save you life? Why not benefit from someone else's idea? Look into the many available franchise opportunities..

Franchising is a way of obtaining permission from an already established and successful business, and selling that product or opening that establishment in the specific region in which you have been given permission. There is usually a contract and a pretty large price tag involved. You probably would make your money back relatively quickly, but you still have to have the up front money or financing available to you buy the franchise.

This is what deters a lot of would be entrepreneurs from becoming franchisees..

A very popular franchising opportunity is McDonalds, one of the first franchises ever to have emerged. HereТs a snapshot of what it takes to buy a McDonalds franchisee.

$45,000 initial fee paid to McDonalds. Equipment and pre-opening costs are roughly $700,000 to $1,504,000.00. $250,000.00 NON BORROWED down payment. PLUS service fees and rent. WOW! It sure is a lot of money but the risk is definitely low and the pay off outstanding. If you have the money and a good location, it is a good franchising opportunity..

McDonalds is one of the highest examples of franchising opportunities, so don't be scared off by the expensive nature. At the opposite end of the price spectrum is vending machines which are much more affordable to the average guy. There is a lot of information on the web about buying a franchise. Do some research and find the one that fits your budget and interests.

Aren't you tired of making someone else rich?.

Franchising : Franchising opportunities

In a typical organization, everyday demands of work keep staff, management and those people on top hitting a "pause button" to analyze how things are going, how the organization get to a place it should be, and how to differs later on in the future can also be a costly one, too. Organizational assessment is an opportunity to work on the infrastructure of the organization with outside professional experts guiding them..

The process is not merely an evaluation of the impact of programs and services or what kind of programs an organization should deliver, nor designed to replace management's audit or plans, but it is to strengthen those tools used by the organization. These situations can be about its mission and portfolio of activities; alignment and assessment of board skills and interests; responding to external changes in the operating environment; addressing challenges; and identifying areas for more intensive planning such as giving staff training, addressing and prioritizing specific action plans..

Organizational assessment gives a better view to develop the understanding of the strengths and challenges in management, governance, and operations. It also identifies high-priority actions to strengthen the organizations infrastructure and creating an action plan to use and implement it.

It's one way to prevent going to a point of crisis by identifying and resolving issues that may be brewing within the organization..

The benefit of this assessment is it blends different perspectives by working together and listening to one another to reach a greater consensus about what the organization is facing. Opportunities such as this may be rare, but it provides the purpose and mechanism in clarifying roles and responsibilities from the Board members down to the staff.

Assessments set up for success keep issues identified and helps everyone participate in implementing the recommendations..

Organizational behavior : Organizational assessment

An accounting degree belongs to the academic discipline of accounting and is oriented towards giving the student a background for use in the world of accounting and it's services. Accounting programs are usually taught at a business school. Accounting is a highly technical field and both practitioners and academics are experts in their field and also is a standards oriented profession, so one must know a plethora of information to be able to be an accountant.

An accounting degree gives a student the proper knowledge and background to put them into the financial world with the extra knowledge they need to be able to give out advice to others for making financial decisions. Not only do financial decisions for persons and business become a daily factor in an accountant's life, but also the overall economy must be a concept that is known and understood by the accountant..

Requirements for teaching accounting vary worldwide. Many schools not only look for academic credentials and professional certifications, but real world experience as well. The discipline of accounting is geared towards practical knowledge of economics and finance rather than any kind of theoretical abstraction.

Students who are earning an accounting degree are looking for this practical knowledge. Many students will go on to gain practical experience in commercial organizations or as private accountants for individuals. Some will also take the academic track and become a teacher of accounting, using research and real world knowledge to bring up the next generation of accountants..

An accounting degree will provide an accountant with the ability to access jobs in the financial sector of the workplace. But, these jobs will ave changing criteria as time and accounting qualifications change. On-going education after achieving an accounting degree will keep you at the top of the work pool of accountants..

Accounting : Accounting degree

Money invested for a return of profit are called investment funds. These funds can be invested in different ways such as assets, venture, speculation and pay, bear, yield.

An asset is an item that is either useful or holds material value, as owned by a company or individual. In accounting assets take the form of entries on the balance sheet which demonstrate app properties and claims against other entities that are applied to cover the company or individualРўs business.

Assets include property rights, stock, inventories, and cash. When a company or person goes bankrupt, the assets owned can be used to settle debts..

A risky investment that could yield great profits is called a venture. Engaging in the risky business transaction hoping for fast or big profits is called speculation.

Pay, bear, yield investments are accounts that bring in money.

There are so many different ways to invest your money that it is wise to enlist the help of a financial advisor. The investment advisor gives advice of where your money would be best invested in order to bring you the highest return within your risk tolerance. Your risk tolerance is an amount you can lose and still be able to continue on with your life or business as usual.

In addition to risk tolerance, the decision of long term investing or short term investing will be addressed. Again, the goals and risk tolerance are assessed to come up with the right investments. Usually the long term investment is more aggressive and risky. For a safer investment you will look at short term investments..

Investment funds can be procured from a variety of sources including banks, personal monies and other outside investors. It is important to note that the higher the end yield promised, the higher the beginning investment in many cases. Not all investment opportunities are high yield but may lend to a longer yield term with smaller gains leading to a larger end profit..

Investment : Investment funds

Актер Роуэн Аткинсон сменил свой Austin Mini желтого цвета на суперкар Morgan Aeromax. Подарок себе любимому на Рождество обошелся мистеру Бину в 220 000 долларов. Автомобиль Morgan Aeromax был выпущен ограниченным тиражом в 100 экземпляров. Суперкар оснащен двигателем V8 мощностью 333 л.с. при крутящем моменте 450 Нм. До 100 км/ч автомобиль разгоняется за 4,5 секунды, а его максимальная скорость составляет 274 км/ч.

Своим дизайном Morgan Aeromax, получивший 20-дюймовые легкосплавные колеса, напоминает "бэтмобиль". У актера уже есть целая коллекция дорогих автомобилей, среди которых несколько Aston Martin. Однако Аткинсону не везет с машинами: в 1999 году он разбил свой McLaren F1 стоимостью 1 300 000 долларов, а неделю назад попал в аварию на Volkswagen Jetta.

Мистер Бин обзавелся суперкаром Morgan Aeromax

Мука — 580 г, мед — 220 г, сахар — 120 г, маргарин — 250 г, яйца (белки) — 8 шт., коньяк — 10 г, корица — 10 г, мускатный орех — 2 г.

Маргарин нарезать на мелкие кусочки, соединить с сахаром, растереть деревянной лопаткой, ввести мед, слегка перемещать, добавить просеянную муку, коньяк, корицу, мускатный орех, подсушенный и натертый на терке, взбитые белки, все вымешать до однородности. Тесто перенести в кондитерский мешок с нарезной трубочкой, отсадить на лист печенья в виде еловых шишек, выпечь при температуре 240—260°С..

Лакомка : Рецепт 188: Печенье "Шишечки"

An advertising campaign consists of a series of ads that share a similar idea or theme. An advertising campaign is used for promoting a company's particular product or service. Most companies hire advertising agencies to create new advertising campaigns.

An advertising agency will create a series of advertisements that have a single idea and release the messages for the client over a specific time frame and utilize all relevant types of media to do so..

To begin creating an advertising campaign, someone must first come up with the campaign theme. The theme is extremely important in having a solid advertising campaign because it is the thread that holds all of the advertisements together. It also sets the tone as what message will be conveyed, and how that message will come across to new and existed customers of the product or service.

Many forms of marketing go into an advertising campaign, and these forms of marketing also help to determine how to approach and develop a campaign theme. The theme also helps to determine the kinds of promotional activities that the advertising campaign can be utilized..

Most campaign themes are intended for long term usage in the advertising world. Though campaigns are developed for use in a substantial amount of time, most advertising campaigns are short lived. There are many factors that cause this, but the most common are an ineffective marketing campaign, significant change in the market conditions, and strong competition in the marketplace.

Advertising campaigns are still the most effective way to advertise a product or service, but need to be prepared by a marketing specialist with a great understanding of a fluctuating business market and the best methods of advertising adaptation to deal with these changes..

Advertising : Advertising campaign

Высокоурожайный столовый сорт позднего срока созревания.

Кусты сильнорослые. Урожайность при формировках средней мощности и умеренных нагрузках зелеными побегами 4 кг с куста. Средняя масса грозди 320 г. Сахаристость ягод 14,5%, кислотность 8 г/л. Транспортабельность и лежкость высокие. Зимостойкость и засухоустойчивость средние. Устойчивость к милдью, оидиуму и серой гнили высокая.

Длина подрезки плодовых лоз 8—10 -глазков. Сорт может быть использован для беседок..

Грозди средней величины и плотности. Ягоды крупные, обратнояйцевидные, темно-синие. Кожица очень толстая, грубая. Мякоть сочная. Вкус простой.

Для приготовления виноградных соков рекомендуются сорта Алиготе, Рислинг, Ркацители, Каберне Совиньон, Саперави, Гранатовый, Мицар (синоним Интенсивный) и др.

Сад и огород : Молдова

The role of a financial advisor is to render investment advice and financial planning services to the client. Whether dealing with an individual or a business, the job is the same: maximize the client's net worth with as little risk as possible using proper asset allocation. In other words, the financial advisor advises where the money should be invested.

The money can be put into stocks, mutual funds, bonds, and insurance products..

One of the biggest jobs of the financial advisor is retirement investing. A strong knowledge of budgeting, forecasting, taxation, asset allocation and financial tools is necessary to set goals that are realistic and put a plan in motion to reach them using tools such as 401k, Roth accounts, and IRAs in addition to the tools mentioned above.

In order to achieve the desired result, the financial advisor will take into account such things as the expected inflation, tax liabilities and projected return on investment. Using that information he will determine how much, in terms of percentage, of the available income is needed to reach a minimum amount by the target retirement date..

Investing is another major role of the financial advisor. In the matters of both long term and short term investing, the financial advisor must determine the clients' goals and risk tolerance in order to recommend the proper investments. Generally, when dealing with long term investing, the approach is more aggressive and risky.

Less volatile, lower risk means are used for short term investments..

The financial advisor is compensated for his time by collecting a commission from the client, based on the services and products provided.

Finance : Financial advisor

The Financial Times Actuaries Index is also known as the FTI, Financial Times Index. The FTI is the daily movement of 30 major industrial share prices on the London Stock Exchange, as issued by the Financial Times Newspaper in the U.K..

An index is a statistical measure of change. In the case of financial markets, the index is like an imaginary portfolio of securities which represents a portion of a particular market, or the market itself. Each index has its own method of calculation and is usually expressed in terms of change from a base value.

The changes are actually more important that the real numeric value because knowing that a stock exchange is at a certain amount does not demonstrate the performance as much as knowing the percentage of its increase..

In the Financial Times Index the denominator in the index formula is the market capitalization at the base date adjusted for all capital changes affecting the index since the base date.

The denominator is the stated value found on financial instruments. The base date is a particular time period where data is used for comparison purposes when measuring economic data of other periods. Capital refers to financial resources readily available for use.

The Financial Times Index is calculated hourly during business hours from an unweighted average of thirty leading chips on the London Stock Exchange. This index was the best known gauge for the stock market until recently when it was replaced by the Financial Times Share E 100 Exchange. This index reports on 100 blue chip stocks traded on the London Stock Exchange and is co-owned by the London Stock Exchange and The Financial Times Newspaper..

Finance : Financial times