Tuesday, February 22, 2011

Removing A Sebaceous Cyst



Pulsa para agrandarla Punilla Valley is located in the central west of the province of Cordoba, Argentina. It was a necessary step old road to the provinces of Cuyo. Today is one of the main tourist centers of Argentina.
This valley, like other Cordoba, southernmost part of the Precordillera region.
The western boundaries Punilla Valley are given by the Sierra Pampeana that separates Traslasierra Valley. The terrain makes the rivers and streams of the Sierras de Córdoba are abundant waterfalls (small but very attractive) or courses run by a shallow narrow canyons although very abrupt and of strange landforms, known as "drawers."
population centers have different origins, from ancient Indian settlement, the recent foundation. The rural population is low with 90% of the population live in urban areas.
Pulsa para agrandarla

Cosquín:

is the departmental capital and is located at 708 meters above the sea level. Cosquín
The name means, in the native tongue "small cuzco" for its topographical similarity to the first city of the Inca empire.
is known as "CAPITAL NACIONAL DEL FOLKLORE" given the projection achieved by an annual festival that takes place on the stage of the former plaza Prospero Molina.
Cosquín tourist value is in the location, the benefits of the river "Cosquín" and Sugar Loaf Mountain, from whose summit you can appreciate the beauty of the valley ...
Pulsa para agrandarla Villa Carlos Paz

:

is located on the San Roque Lake, which has become one of the most important tourist centers and major attraction the country.
The whimsical design city, adapted to the needs of mountainous land slopes give it a special beauty.
Pulsa para agrandarla

Valle Hermoso:

is a town in the department Punilla, Córdoba, Argentina.
is composed of 5,486 inhabitants and is located 75 km from the city of Córdoba National Route 38.
The main economic activity is tourism, due to its thermal and crystal clear rivers, which attract tourists. Building industry is bound to the towns of La Falda and Huerta Grande, with forming a single urban conglomerate.
Pulsa para agrandarla

La Falda:

is a dynamic and modern city set on land that belonged to the DR. Juan Bialet Masse, one of the builders of San Roque dam.
The name of the city is closely linked to the famous former Hotel Eden, the birthplace of tourism Cordoba today can tour its facilities with guides who are telling stories that involve as mythical hotel. It is located 934 meters above sea level.
The City of La Falda, offers the world one of the festivals more representative of Argentina, in July of each year, offering visitors the best music and dancing with the presence of the leading artists of Tango Argentino.
Pulsa para agrandarla

Huerta Grande:

is a place whose topography is characterized by gently rolling, interspersed with elevations of 1500 meters. The first settlers cultivated the land intensively and became extensive gardens with fruit supplying a wide area including the city of Cordoba. This would be the origin of its name.
Pulsa para agrandarla

Villa Giardino

is really a garden, especially in spring and summer time when its paths, sidewalks and gardens decorate with lots of roses that the neighborhood takes great care. All buildings in compliance with municipal regulations express are of a residential-style net. It is located at an altitude of 1022 meters above sea level.
Pulsa para agrandarla

The Summit:

Cordoba is a city located in the department Punilla, Córdoba, Argentina.
The town is located 94 Km from the city of Córdoba. It has a beautiful landscape, which are famous for hang gliding and paragliding, the sections of Rally. The mountain road
leading to Los Cocos is located English architectural style properties. Rides
Another highlight is the Dique San Jerónimo and the famous candy factory alfajores and "Estancia El Rosario."
You can enjoy a day of sun and swimming down the river Pintos, of warm water and crystal sand rushing.

Monday, February 21, 2011

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THE GOOD STARTS AT THE TOP MANAGER


A couple of times a year impart the seminar "How to implement a customer service culture in your company" and most of the participants belong to the operational level. Had a lot of counter sales, receptionists, salespeople, cashiers, customer service personnel and the occasional small business. Not motivate them to my white segment: senior management and entrepreneurs. Usually the owner of the company sent to subordinate staff. Waste of time: culture of customer service is initiated and influenced from the top. Senior management is to spread the passion for the customer. From the top floor and cascaded through the various strata. As Robert L. Desatnick in "How to keep their customers," referring to good service at McDonald's:

"The dedication of McDonald's to serve as an adequate human resource management starts at the corporate level."

And this is also true: without commitment of serving the customer, there will never be a good service . And who are responsible for spreading the personal commitment by the customer? You guessed it: managers. The staff serving the customer is not even consulted on the service policies to be implemented.

So if you want to provide a of excellence must begin by assessing the level of motivation of its staff, something that most managers are not interested much. So far in any manager or entrepreneur I have answered these questions rationally: What is the motivation of your employees? What is the rate of customer satisfaction? Ask you and see the results.

What are the superstars of the service?

1. Acknowledged that relations between employees and reflect the relationships with customers. If they wanted to be excellent in their customer service, relations with their employees should be optimal.

2. Raised awareness of the importance of customer service in the minds of employees. Taught the need to have satisfied customers through the perspective of an employee: The customer is paying the salaries of all.

3. Provide recognition and tangible and intangible rewards for exemplary behavior. Made the employees feel important and appreciated.

Desatnick Maybe that's why the following sentence:

"The superior customer service corresponds to superiority in practice with people."

course: to have a good customer service is not only necessary to treat good staff, is requires appropriate systems, training, strategies, etc., but if one takes into account the staff, everything else is waste of resources. Managers are responsible for having motivated and competitive strategies.

And in your company, which promotes and spreads the customer service? What example are the managers? How are staff motivated to provide a first class service? What gets rewarded for it?

So when you receive a complaint for bad service, do not blame his staff, and be stuck at your desk the following sentence:

service quality is a matter vertical. Born in the top or not born. (Albrecht / Zemke p.145, Management Service.)

Yohalmo Mr. Ricardo Leon E. Gerenciayempresa.wordpress.com

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Lord, Lord EMPLOYER, WILL LET YOU TEACH?

Almost all consultants in the administrative area agree that some entrepreneurs and managers are reluctant to continuous learning, do not show much willingness to train or evade, sometimes very creatively. Sent to middle managers and operational, but to them it is difficult to have them in a seminar, saying they have little time, there are other things to do, regardless of the training is the task of quadrant II, significant but not urgent. And if we add that the vast majority do not like reading, it is difficult to absorb knowledge and information, so healthy for decision making. The tragedy occurs when skilled employees returning to the company and speak to the heads of the changes to be made by putting into practice what they learned, no one understands what they are talking. Result: frustration and nagging that we've heard before: "Here things will continue as always have done."

would therefore be desirable and necessary for employers to be good leaders were allowed to teach, as stated Miguel Angel Cornejo and Rose in "Be excellent":

"The leader who humiliates, belittles or mistreats his subordinates increases what is called" accounts receivable "that sooner or later be charged humiliated, either take it out on the product, customer treated badly or creating some discomfort their leader to give in return the ill-treatment. "

"Through 20 years of interviews with leaders in many different countries, I find it curious that the leaders of excellence not speak to me of power or charisma, but the common denominator that I have identified is that they are all apprentices of excellence have the rare ability of being taught and what is more curious still, permanently are learning about themselves, their own mistakes, so much so that after each error, resurfacing with greater confidence in themselves by the wisdom gained from the last experience. " (1)

Read what he says about Peter Drucker, one of the greats of administrative consulting iglo S XX:

"Never stop learning. Management is a profession, not a right or an inheritance. Accept that there will often be things that you do not know and finding better ways of doing things is part of their work. "" The development and maintenance of superior management skills is a lifelong search. You should read books and magazines, have courses, attend seminars and workshops and learn from other professionals. We are experiencing a very rapid change in administrative practices and the environment of organizations. You must keep up, not only for their future success, but for their survival as a manager. "(Peter Drucker, born in Vienna in 1909, closed his eyes forever in Claremont, Virginia, 2005) (2)

but occurs Often the decision maker is reluctant to be trained, to file for continuous learning, and irony, senior management is where you should start training, because that is where decisions are strategic. What do you do to encourage curiosity of our senior management?

David Kearns, former chairman and chief executive officer of Xerox, the company won the "Baldridge Award" explains how you can get the commitment to participate in all levels of the company through the process of LEADERSHIP THROUGH QUALITY :

"The training begins with the working group of the highest level, ie, my immediate subordinates and myself. This is dispersed after cascading across organizations headed by senior staff and gradually spreads to the world to affect about 100,000 employees "(3)

So you've been warned. Training your business means higher profits.

Posted November 14, 2009 by Ricardo Yohalmo gerenciayempresa
By Leon E.

Tuesday, February 15, 2011

Cartier Men Watch 20-61323

Punilla Valley Choosing your property?

The choice of a new home is something that should not be taken lightly, as it will be your home, so here I recommend some items that need to be into account when looking for a new property

1 - El Barrio : when we see the "house of our dreams" have to pay attention to the neighborhood (environment) and particularly the neighbors, so that the dream house not becomes a nightmare week. My advice is to go to a nearby business (store, a kiosk) and ask about the pros and cons of the neighborhood, another valuable source of information are taxi drivers they know more than anyone in the streets of the city where they work. Be very careful if you are new to the area and check very carefully where to invest their money.

2 - The property : First and foremost you have to take into account the quality building industry, the moisture in the ground is a very important issue: a clue: usually some owners try to "mask the wetness" of stones or slabs covering abroad, if you see a property like that, I recommend you check very well the moisture issue. Another point to consider are: cracks or cracks in walls or ceilings (could be a clear indication that the foundations are giving), length of ownership and maintenance has received state of the drains, etc.
Note also the services and quality is the same (water, electricity, gas, etc), because not only is very important to have services but that they have continuity (not cut or water service electricity all the time, for example). And find out the cost of taxes, to see if they are within reach.

3 - Documentation: You have to have primary control on the deed, taxes, utility payments, etc.. If you venture to buy on their own without the advice of a professional does not make uncertified firms, since they give a certain date and a way to test potential drawbacks.
The intervention of a professional in the field helps dramatically minimize risks, good advice on time prevents "Buy a problem" instead of a home.

Wednesday, February 9, 2011

How To Slow Down Vba Speed

The biggest financial misbehavior of our history

COSTAS ANTONIO 28/01/2011

in the body I have the uneasy feeling that we are about to commit
greater financial misbehavior of our story: the delivery of the
half half!, the English financial system, at bargain prices and
scrapping, banks, private investors "vulture funds", as he calls them
a known and reputable financial analyst, Joseph Carlos Diez, in his blog.
Perhaps this discomfort is due to an outburst of patriotism. In any
case, the consequences would be very important.

First, an excessive concentration and significant reduction of banking competition, which will hurt families, professionals and small and medium enterprises.
Third, the loss of Social Work of the boxes, which acts as a second
welfare state, in responding to social situations where no public policy
arrived.

And fourth, the loss of an instrument of cultural revitalization, especially in poor or remote areas. The economic value would be lost to society as a whole would be immense. Much greater than the equity or accounting, which is what is at stake now.

If we want to preserve the economic value, the solution is not
flight to the front to give them to private investors. The solution is the return
back at what should never have ceased to be.
The boxes are a unique financial institution. Its natural
geographic market is local and provincial levels. And its natural role lending to households and SMEs. That market and that were consistent operational with a specific ownership structure than the banks.
has been a success story so far.

This situation has come through a long road of folly.
are many who have worked with: legislators, regulators, supervisors and
boxes.

legislators, economic and monetary authorities have put a decent effort from other causes
to liberalize the boxes to break
natural geographical borders and let all that they do banks.
not measured risks. That freedom was granted to managers
clashed with the slowness of its organs of government when making decisions in times of crisis
.

managers took advantage of this liberalization
irresponsible expansion and concentrate investments in property and land. As
deposits to the depositors did not give credit to finance the expansion
, borrowed up to their eyeballs in
European capital markets. Property risk and high leverage has been an explosive cocktail
.

The most surprising is to see the supervisor, the Bank of Spain, left
increase the risk and debt. Its monitoring and supervision has been clearly improved
. The current situation challenges his work, to
least until 2007. Now it does not blame the "politicization" of the
boxes. You can not wash their hands.
deserve some explanation English bank and the authority to tell them what you will in the future to further develop its role
.

regional and local authorities have put their grain of sand. Al
seek a solution in endogamous marriages
have worsened the situation. The union of two infected does not lead to a healthy one.
Finally, the Government has been too long believing your own lie
: we had the best
world's banking system worldwide. Missed early diagnosis to see the spread
and diligence in the application of medicine I had at hand: their own Guarantee Fund and the Savings
FROB. Now everything is hurry and precipitation. And so it goes.
The solution to preserve the economic value of the boxes have to
English society and the economy is temporary intervention and debugging
responsibilities. Such intervention should be accompanied by the conversion obligation
banks. Instead, it should force banks intervened
to take a step back, regain its natural
business scope. It is not impossible. This has been done at other times
banking reform.

How much would the intervention? The vice president has
Elena Salgado estimated that some 20,000 additional million, including banks. In total
3% of GDP. Manageable amount, and more productive than spending Pharaonic
AVE. And less than 6% of GDP that took the intervention of the private banking sector
in the eighties, from Rumasa to Banesto.
In any case, that cost is nothing compared with the economic value
lost with the disappearance of the boxes.

I think are worth saving boxes. If not, the epitaph of the historians of our financial system is that "among all the killed, and she died alone."


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Possible credit card fraud

(There are no confirmed cases have occurred to me to me. I just came through email and, as feasible, stick it here so that everyone should walk more careful with our cards). FIRST CASE



A friend went to the gym and left all his belongings in his locker. After training and a shower, he went out and saw the lock on his locker open and thought, 'that's funny, I thought I had closed'
He dressed and just reviewed the portfolio to ensure that all were in order. Everything seemed fine, all cards were in place and no money was missing.

After a few weeks, when he received the statement of one of their credit card charges came UROS € 2,400!

clarifications Call the bank and began to claim that he had not made the transaction. The staff verified that there was no error in the system and asked if your credit card details.
But then, when he drew his card included everything that was not their card, instead, found an expired credit card the same bank. why the bank did not verify any calls or having these intakes so big?

For many purchases were made in small quantities but it rarely draws the attention of companies or stores that receive the card, and added fuel consumption, given that amount.
He had to pay for something you do not have! SECOND CASE




A man in a local restaurant paid for his meal with his credit card.
They handed him the receipt and signed it, the waitress folded the receipt and put Credit card in it.

Normally, he would simply and put it in your purse or pocket. However, inadvertently looked and found it was a card from the same bank but in another person, since expired. He called the waitress and she looked perplexed.

She took the card, apologized, and hurried back to the counter under the watchful eye of man. All the waitress did while walking to the cashier, give the card was expired and the cashier, no words in between, took the left under the counter and handed the original card of the customer. No exchange of words, nothing! She took it and returned to only man with an apology.

Always make sure the card in your wallet is yours. Check

always sign for something, you return the card is yours, even if you have been away for a short time. Many people just get the card back and keep assuming it's yours.

FOR YOUR OWN GOOD, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT HAS BEEN RETURNED AFTER A COMPROMISE! THIRD CASE




Yesterday I went into a pizzeria to pick up an order he had done over the phone. I paid using my Visa debit card, which of course, charged directly to my checking account. The girl behind the counter took my card, slipped on a machine and put it under the counter while waiting for the response of approval, which is the normal procedure.

meanwhile, took his cell phone and started dialing. I noticed that his phone was the same model as the one I have, but nothing seemed unusual. So hear the click sound you hear on my phone to take a picture.

He then gave me back my card but kept the phone in his hand and continued pressing the buttons.

Meanwhile, I kept thinking and wondering who had taken a picture.

discreetly looked under the counter and there was nothing. I realized that all that was in there was my credit card and I paid attention to what he was doing.

put your phone on the counter and immediately after they heard the sound indicating that the multimedia message has been sent.

saw him more clearly now, I'm sure this guy took a picture of my credit card and sent it to someone.

immediately canceled the card when leaving the pizzeria.

days later the bank called me to tell me that someone was trying to do transactions via the Internet with my account.

What would have happened if I had a phone like yours? I never would have realized what he did. CONCLUSION



Whenever you use your card, take precautions and not be neglected: these are just some of the ways of credit card fraud. Virus

Tuesday, February 8, 2011

How Much Is The Franchise Of A Gym?

Avoiding internet scams Timo




stealing our computer passwords, fake emails with the look of our bank (Phishing), false offers of work, recharge sites that mimic those of telephone companies, fake lotteries pages ...
The proliferation of Internet usage in some of our basic steps
like going to the bank looking for work, shopping at online stores or operate
bag has sparked a multitude of crime and fraud formulas that can give more of a shock to those not taking basic security measures.
Below are some of the key recommendations on areas that should be extremely vigilant:

Learn to distinguish the fake websites of banks and businesses false. Many Internet
wonder how you can quickly recognize a fraudulent website. This link explains in detail how to identify them and how to recognize the differences from the original page. Write directly
the banks and address. When you visit a website related to economic issues as the bank, the Inland Revenue, etc., enter the address (URL) directly into the web browser instead of clicking the link in an email or instant message. Fraudsters often forge these links to make them look convincing.

Monitor "S" for secure portals. When making purchases or banking transactions Learn about the different types of fraud and operational. Phishing, Scam Fake offers work-Car Phishing, Pharming, Web refills false, fake lottery scams are often ignored by Internet users. Therefore, we will quickly describe Why is everyone and how they affect our security and data. The purpose of these scams is that the user to fall into the trap with any type of deception to which we provide our keys, private data, etc. The worst thing is that the gangs that are behind these scams
are becoming more professional.


PHISHING Phishing is a type of scam that involves a user trying to get your data, passwords, bank accounts, credit card numbers, identities, etc. then be used fraudulently. What constitutes?. Can be summarized easily, deceiving the possible scam, "supplanting the image of a company or public entity," thus do "believe the victim may actually requested data come from the site
" Official "when in fact it is not. Phishing can occur in many forms, from a simple message to your mobile phone, a phone call, a website that simulates an entity, the most used and known by the Internet, receiving an email. WEBS


FALSE CHARGES Phishing is a variation of only looking for one purpose, to steal users' bank data. Striking deals behind promising cheaper mobile refills can hide a scam, the only thing you are looking for is to get user information. This type of fraud
can sometimes be more dangerous than traditional phishing, since the attack is not direct, is in ads on the sponsored links of search engines.

FALSE OFFERS OF WORK (JOB SCAM or phishing)
What is SCAM?. The scam is to recruit people through email, web ads work, chats, forums, etc ... where shell companies offer work comfortably from home and charging very high profits. Unknowingly, the victim is laundering money obtained through phishing (scams from banks). Always ask to have or open a bank account. Your job is to receive wire transfers to your bank account then take this money to send to foreign countries through companies like Western Union, Money Gram. The phrases to capture victims are style:

Are you unemployed and wants to work?
Want extra money?
Want to work comfortably from home?
Do you want a quick profit?.

usually send a contract (false) to make more credible the offer. Once collected the data from the victim, and if not works, will be threatened. PHISHING-CAR


What is Phishing-Car?. Vehicles are bogus offers. Captan car buyers a very low cost and the sale never takes place. This person makes a payment as a sign and eventually runs out of money and no car. How does and what it consists?. Carried out by means of striking deals in luxury vehicles, including traps have
web domain name very similar to very prestigious companies engaged in the sale of used cars, but all the frauds have something in common:
Payment is made through money transfer companies to other countries (like Western Union, Money Gram).
The seller will offer home delivery.
In 90% the vehicle is sold abroad, so you can only see in pictures. They ask
first 30% or 40% of the price as the first signal. Captan
victims by selling ads on web or Second hand cars and of course receiving emails.
Many times the seller says it's a English guy who lives in Britain and stay for work in the English country, must urgently change the car because they drive on the left and his car to be registered in Spain midfielder on the opposite side and not fit. For this reason, sell their cars for very cheap, they teach you a car registered in Spain.

Most scammed by this type sent money to the UK, but this does not mean that there may be another country.

PHARMING: THE GREAT UNKNOWN FOR YOU BUT THE MOST DANGEROUS
What is Pharming?. It is a technique to carry out online fraud. Pharming involves manipulating the DNS addresses used by the user, in order to deceive and to ensure that the user pages you visit are not really original but they look identical. In short, diverting Internet traffic from one site to another web site similar appearance in order to trick users to learn their names and passwords, which are recorded in the database of a fake site that was created before and which simulates web override. There are worms and trojans that do this function. The victim learns when there is a strange movement of money in their accounts.


FALSE FALSE LOTTERY lottery prize. The user receives an email to notify you that has won a lottery. If a user replies to this post, then everyone will ask for bank details for a false entry in the prize. In other cases, asked for a portion of the prize will have to send a country to collect the full award. In all cases the award is false. Monitor your computer and hidden agendas. Before making a purchase online or access an Internet banking service, make sure there is no active malware on your PC. To this end, complementary your traditional antivirus with proactive technologies to detect threats without the need for updates and antivirus tools you use full. Keep updated operating system and applications installed on your PC. System vulnerabilities can be a gateway for malware and even allow cyber-crooks to take control of your PC. Beware

electronic mail (e-mail). Ignore
never to spam advertising messages or those that say come from financial institutions and request confidential data. We suspect that a message is fraudulent when you find typos, poor grammar, a strange language, Web site addresses extensions rare web site address when it should have only numeric words and anything else unusual.

addition, phishing messages that tell you
must act quickly to keep your account open or update your security, or urge you to provide information immediately or something bad will happen. Do not take the bait. Do not respond to emails in which personal information is requested. Legitimate companies will not use e-mail messages asking for personal information. If in doubt, contact the company by phone or enter the web address Company web browser. Do not click on links in these messages, which could lead to malicious and fraudulent Web sites. Protect your email address. In responding to these messages or even download images, will become part of the list and receive emails in the future. Also be careful when you make public your email address in newsgroups, blogs or online communities.

out about the seller's reputation before buying in a shop online. Nor ever paid anything on the Internet without being completely sure of the honesty of the seller. If you are bidding on an item in a web auction, be wary of deals that they can reach by other means other than one's own auction site. Could do without the product and without their money. Nobody gives

hard to ESP .. The Internet offers that seem too good to be true usually are not and have no truth. Not in vain there is an old adage that "no one gives hard four pesetas", which remains as valid as the first day. The software supposedly "free", such as screen savers or smileys, investment guarantee and untold fortunes has won contests without participating in them are the hooks used by many companies to get their attention.

Alerts and review of bank statements and the card. The impact of identity theft and online crimes can be reduced greatly if you realize shortly after the data have been stolen or when trying to use your information for the first time. One of the best ways to realize that something is wrong is to review the monthly statements sent to you bank and credit card companies. Most banks and credit card companies have notification alerts of the latest moves, which should be used.

is also very helpful to memorize all your passwords, never store them on your computer.

Close all web browser sessions after trading with banks or financial institutions.

Delete the data from your computer when you have finished making a transfer
online and pay particular attention to temporary files, cookies not to steal information from your computer.


Monday, February 7, 2011

How To Avaoid Erection In Wedding

Construction grew 10 percent

is over the previous year. The outlook suggests that the sector will continue on the right track, said the head of the Argentina Chamber of Construction (CAC), Carlos Enrique Wagner.
construction in Argentina performed well during 2010, up 10% over the previous year and the outlook suggests that the sector will continue to the right track, said the head of the Argentina Chamber of Construction (CAC), Carlos Enrique Wagner. "The year was much better than expected. We thought we were going to grow by 5% and finally we did 10% and this trend will continue strong, "he said.
Wagner said the decree signed Wednesday by President Cristina Fernandez de Kirchner, extending the 2011 budget, funds intended for public works "are all guarded." For
budget year 2010 for public works, said that "it was good, no debt passes next year. "
noted that public works "will continue and accelerate" while recalling that in 2010 broke all records of cement consumption in the country, which was placed above the 10 million tonnes. As formal sector employment said "increases slowly and is located in the 420 000 workers."
Wagner said that during the past year and for 2011 notes that the trend will be maintained by the investor to buy real estate as proof of value, "which encourages the private sector, despite the rising price of materials and labor. "
admitted that the problem persists in the private construction sector is "the lack of funding, which makes both social class and middle-income unaffordable housing." He also described the construction sector grew "in a couple in public works, private construction and oil companies."
In the area of \u200b\u200bprivate construction, operations director of developer TGLT, Alejandro Bel, said he is "optimistic" for 2011 in terms of market prices. "The residential market, where we focus, will continue its current course. I do not see a stalemate but neither a phenomenon of boom, "he added.
explained that "in areas where there is little demand, prices will remain reasonably stable, with some mild hikes. And the high-demand products or particular market niche, the cost of construction is transferred to the sales value, ie prices will rise depending on the increase in U.S. inflation. "


Source: Argentine Time.



Friday, February 4, 2011

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telephone credit card

Here's a new version of credit card fraud.
is very refined because they are con artists who give you all the information, except to the party
missing.
Note: the caller does not ask you your card number
since it already has.
The following information is worth reading carefully. By understanding how well
OWL works VISA, MASTER CARD or the like, you'll be able to protect
.
The scam works like this:
The person (the trickster) who calls says
'Hello my name is (guy) and call the security department of by (name of bank). Did you make a purchase of a 'AntiTelecomercialización' (or anything else that comes to mind) for an amount of EUR497.99
Sevilla a company (or anyone else)? " When you respond

NO, continue to say,
'Well, we'll check your account. We monitor this company for some time as
purchases vary between EUR297 and EUR497,
exactly below the limit of EUR500 granted by most credit cards.
Before your next relationship will send your credit account to the address below
(TU tell you specific direction), is it correct? '
answered YES.

still saying they will write a report of fraud on your record and if you have additional questions
you want to do is to call 902-xxx
number written on the back of your card (902-VISA) that shown for our security.
You must then confirm that the card number is correct
. They give you a 6 digit number.
'Do you want to repeat the number? "

Now comes the MOST IMPORTANT part of this scam.

The scammer says
'I see that you are actually in possession of your card. "
will ask you to turn your card over and look at some numbers.
'There are 7 numbers: the first 4 are part of your card number, the 3
following are security numbers to ensure it is in possession of your card
. Are the numbers that you would use to make a purchase, for example
Internet, so that there is assurance that you have the card in his hand. "
The scammer will ask you to read the 3 numbers, and then you say,
'is true. We had to check for
had stolen the card or not he had lost and continued in possession
Do you have any other questions you may have?
After you answer no, we appreciate it and add
'Do not hesitate to contact us if you have other questions' ... and hangs.
Scammers hardly say anything and never gave them or you have requested, your card
.

After this call may take two things:

- Do not do anything and when we want to make any other payment with
we reject it for failing to balance. Then we would call to ask Visa
happened.

- O, that call VISA to confirm the earlier conversation.
Fortunately we have in our possession the REAL phone number
the VISA security department and inform us that there's
have us call was a scam and that in the last minute is charged to our account
a new purchase of £ 497.99.
summary, we report that we suffered a complete scam, and VISA
immediately canceled our card and we say we will
a new card.

The scammers target is to get your
personal identification number (PIN or PIN in English) with 3 digits inscribed on the back of the card
. NEVER GIVE

this number over the phone and say, when you call, you're going to call directly
VISA (or whatever your bank or box or similar) to
check this issue.

VISA has indicated that NEVER ask for the information displayed on our
card because they already have, which is logical because they are the
you issued the card.

When the crooks give our NIP / 3 digit PIN they have
complete scam. After a few days receive the charge on our account
and we will learn that there is a purchase I never did but too late or too difficult
lodge a complaint.

PLEASE: please circulate this information


Men Weating Womans Underwear

The change in the electricity meter should be free


The change in the electricity meter should be free


04.02.2011






In a statement, UCE launches this warning in response to user queries Endesa by a letter that advises them that they must pay nine euros per right hook, which, according to the organization, "does not conform to the norm."
For this reason, the association requires the power to stop this payment request and return the fees incurred to date for this item.
also encourages users who have paid the down payment payment the new counter to claim their return to power and, if not addressed, they denounce the fact to the Department of Consumer Affairs, to the Ministry of Industry in their respective regions and to the CNE itself.
"A complaint should join those who have received a letter of notice of the change Endesa electricity meter and the subsequent payment hitch," says the association.

Thursday, February 3, 2011

Guy With One Nipple Pierced

Letter from Endesa monopoly to a user canary His response

"Dear Sir:
Endesa will come soon to replace your electric meter with a new one has remote management capabilities, in compliance current legislation (RD 1110/2007 1110/2007 of 24 August and TC/3860/2007 Order of 28 December). The new system will allow remote management and other functions remote reading of consumption.



Over the next quarter, an operator authorized by Endesa replaced the meter you currently have installed. If your meter is in the meter room or is accessible from outside your home, you need not be present. Otherwise, the operator will contact you in order to make the change in accounting.

The replacement cost will be borne by Endesa and you only have to pay a sum of Down Rights, which as stated in current law amounts to 9.04 euros. Moreover, the monthly cost of renting the counter to apply will be from 0.81 euros.
If you need any clarification on the replacement or you have any questions, please contact us, please contact the Telephone Service of Endesa Electricity Distribution 902 509 600 902 509 600. We will be happy to help.
Thanking you in advance for your cooperation, Sincerely. "
II (response)
"Dear Sirs, Endesa Distribution: I received your kind letter of attorney ( because they do not put) in which I reported a series of facts based, of course, that like monopoly you always do what comes of electrons and we, as members of the flock of sheep necessarily honorable consumers, we have the unique option of paying joyful.
because I am writing this letter in I have sent text, as many thousands of consumers, I suppose, there are some issues that I have fallen into a stupor, catatonia and wonder. Or put another way, I have blown leads you.

Because we'll see. You kindly tell me they will do to change "my" electric meter. A rather curious because it is in the breakdown of the bill that I pay every month you will pay a fee for the rental counter. I say, how could they have paid rent for something that was mine? Have they engaged you, my dear monopoly in an involuntary little bug that I have wrongly been charging a modest but significant amount over the past years?
I go ahead with the letter and I have observed that the new meter you can read from a distance (ie, more people unemployed, I fear, damn technology) which, as easily understand, users refanfinfla us. Put another way, I do not care if you read the meter to a foot or from the fifth chimbambas, provided that the readings are the real ones.
add that the cost of the replacement-in legal compliance, shall be paid by Endesa. And I say I would not generate much we charged at us for something we have neither requested nor need to damn us. In other words, I appreciate the information but I find it irrelevant. What fills me with wonder is that I indicate that "only" have to pay "an amount for hooking rights as current law amounts to 9.04 euros. " Let's see, my monopoly, how are we going to charge users a resignation of a release order that neither we, nor have we hired? Because I say that because you are out of the flow of electrons to change the timers, as they could to change those power towers colorful fun with us so generously graced the highways to improve our tourist image, "I have my ? That's right hook, which should be a more complex matter that Roman law is a chargeable event occurs when a user is enlisted in the network for the first time or do it again after you have cut the light by default. But how can you engage in a consumer receivable has not been disengaged, that is current in its payments and has a current contract with you for the supply under conditions agreed?
is that if we consider that you have a guess, 600,000 users in the Canary Islands, almost ten euros apiece, will be bagged and who does not want the thing about six million, there are months that did not win one, believe me, even president of government and also carried Wing 80,000 a year free of dust (although I am not aware of straw) charge to do lobbying for some of large English companies.
What I decays and completely is to add "I guess trying to turn the letter in a Kafka story, that the monthly cost of renting the counter to apply (a slip because syntactic in any case you want to say • the monthly cost to implement the rental counter is of 0.81 euros ...·). A veeeeerrr. If the counter is my will I will pay you 0.81 per month? Or is that really the counter is of who that is, of you, and kindly inform me that I was going to charge this small monthly fee?. And if you, What principles are talking about "My" counter?
Dear friends of the monopoly. There are bundled. The counter is yours. I was before and it is now. So I rent and charged before going to charge me now. And you change it by law, so that this claim ten euro charge to users is simply that I find out the legs of the pot and add a little nose to the matter. Especially because it really is silent in your kind letter in the letters, as in life, is more important what is silent that what counts, is that the new counter technologically advanced than we are offline for their unilateral decision will allow their Lordships detect those user-homes, offices, bars, restaurants and others that are consuming slightly above the contracted power. Or put another way, that consumers who have a contract with you power 5 kw and is that on average are consuming a little over, which as you know is a jug-will have to pay an extra energy substantial surcharge and gratuity will be obliged to make a new contract for more power. That is, that with these new meters will you detect small overruns that now escape them, they will charge with flags and will do great business by increasing the power range of contracts. You know. I know. The users did not know.
It is disheartening that while you do all this, people who are supposed to represent the interests of citizens continue discussing the sex of the dogs and the hounds. If this were a free market, there would be penalties for quite legitimately exercising its rights as a company and users would be able to choose from. As it turns out you have a real monopoly in the distribution are not talking about a free market and the rules must be different. Certainly should not happen because you do as they exit the lining of the drawers of the electrons and users forced no choice but to swallow. Thank you for your kind and distorted information about his plans to tighten a little pocket, I strongly recommend that your group buys renewable energy production of new wind farms in the Cabildo de Tenerife (and incidentally cheese, wine, yoghurt feed, cows ... or even some small dogs played in the casinos of the house) and I assure you as they happen to charge ten euros for a resignation that I have not asked, I go to the Consumers and Users Organization to avoid I do not fucking case, wasting time, get frustrated and think again that we are defenseless against monopolies, markets operated and inept they are supposed to have to defend ourselves.
Yours sincerely.

III. (And a desperate objection)
PD. The number of information that I indicated in the letter that I should call (902 509 600 902 509 600 Customer Endesa Electricity Distribution) is a call center, as they say is the modern- in Madrid (I would like to create jobs where I pay, I do not know if I understand). We attend a robotics system first and then a nice person who just happens to repeat the company's manual that comes to be: "I understand, but we're going to charge. This is what you get. " Ah. And the number is premium rate, payment, and thus also expected, ask and no reply, also end up paying. By the way, as much as I have read the legal provisions cited in your letter-and others-about the change in the basic measurement equipment, for anything I've seen other interpretation than that it is you who must install and pay the cost of installation.

Tuesday, February 1, 2011

Patrick Ewing Sneaker Sales

ADVANTAGES OF CONTRACT WITH A PROFESSIONAL REAL ESTATE Real Overvaluation

By: CD Silva Real Estate - La Falda - Sierras de Córdoba
Choosing a REAL ESTATE PROFESSIONAL can be tricky, but if you get the best results, you must select the one with the best tools to do their job, experience, ethics and more all, being an intermediate good .
I present 10 REASONS why you should hire a real estate consultant:

1. Education and Experience: You do not need to know everything about buying or selling property, if you hire a real estate consultant, will be supported by a professional trained in the area of \u200b\u200breal estate as well as extensive experience in the subject guaranteeing effective negotiation of your property.

2. Save time: If you are the person who is very busy with their daily activities and has no time to devote to sell or rent your property, your agent will use all the time until the business is conducted, so that you will not be affected at the time.

3. Market Knowledge and guidance in the price: Thanks to the permanent presence in the market for real estate consultant with key information so that we can advise on the best price for your property and may establish the best strategies for selling or renting it.
4. Customer Base and Properties: a real estate consultant with a broad customer base pre-qualified to buy in different areas, as well as a real estate consultant with a broad base of properties in different areas and can help buyers to choose the properties that best suit them.

5. Professional Networking : a real estate consultant can access the inventory of other brokers and expose his most widely or get the property you are looking for.

6. mediation and negotiation skills: The mediation and negotiation skills are a key success factor in a sale or rental of property. You could say that at some point a buyer and seller are rivals by nature a hand, the buyer wants the lowest price for the property, while the seller will bet on the highest price, that's when it is essential the presence of real estate consultant who will mediate and negotiate effectively to achieve closure.

7. THE PROFESSIONAL : It is the only access to files and documents necessary to know the true state of the property registry.

8. Professional Advice Complete: A good real estate agent advises on FUNDING , Legal, market and municipal procedures, etc., So that you are free from stress and headaches to help you easily with the processes of buying, selling and renting.

9. You will have many advantages: By hiring a professional negotiator, who is not emotionally involved with the property and have the tools necessary to put the sale and rental of property in the balance, and can receive fair market value . and ....

10. If you hire a PROFESSIONAL BROKER: He is collegial, which makes their actions are controlled by the College of Auctioneers and Realtors, which is a guarantee for the customer. CONTRACT WITH PEOPLE NEVER not registered .