Competitia pe piata bancara devine tot mai acerba, in ciuda impresiei ca piata creditelor, depozitelor, cardurilor si altor servicii bancare pare a fi ajuns la o oarecare saturatie. Cu toate acestea, continua sa apara tot mai multe sedii de banci iar analistii prevad o dezvoltare tot mai puternica a pietei bancare si in urmatorii ani, pe masura ce prosperitatea romanilor creste de la an la an. Ceea ce inseamna ca, odata cu cresterea salariilor, tot mai multi romani vor putea contracta un credit, mai cu seama pentru cumpararea unei case, dar vor avea si rezerve de bani pentru economii.
Romania este considerata o piata imensa pentru vanzarea produselor bancare, motiv pentru care nu doar bancile mari, ci si cele mici sau cele straine, incep sa se dezvolte tot mai mult si sa devina tot mai agresive. In consecinta, oferta de servicii bancare creste impresionant, dar in aceeasi masura apar tot mai multe capcane in care pot cadea clientii bancilor.
Prima dintre aceste capcane prin care putem fi pacaliti atunci cand obtinem un credit sunt costurile ascunse. Acestea sunt reprezentate in special de taxele si comisioanele aditionale aferente unui credit, a caror suma poate sa depaseasca uneori chiar si rata dobanzii. Drept dovada sta valoarea Dobanzii Anuale Efective (DAE), pe care abia o deslusim, in paranteze si cu litere de nedescifrat, la valori duble fata de dobanda nominala, de dimensiuni de zeci de ori mai mari, cu care bancile isi fac reclama.
Odata cu scaderea dobanzii BNR si a celor de pe piata bancara, precum si ca urmare a concurentei tot mai mari, bancile au fost nevoite sa scada semnificativ dobanzile la credite, vazandu-se astfel in fata reducerii profiturilor. Pentru a evita acest lucru, bancile au compensat prin majorarea comisioanelor aferente unui credit, mult mai greu de sesizat de catre clienti, sau chiar prin introducerea unor comisioane noi, mai mici ca valoare, insa aplicabile lunar, ceea ce face ca valoarea anuala sa fie mult mai mare.
In ultima vreme, bancile au inceput sa adopte o noua modalitate, extrem de agresiva, de a-si vinde creditele, copiata din sistemul bancar american. Este vorba de dobanda introductorie, o dobanda extrem de mica, cu mult sub media sistemului bancar, dar care este valabila numai in primele luni sau in primii ani de creditare. Pe de o parte, aceasta dobanda ii ajuta pe cei venituri mici, care pot astfel sa obtina credite mult mai mari, intrucat valoarea sumei ce o poate imprumuta banca depinde si de costul creditului.
Pe de alta parte insa, riscul unui astfel de credit este destul de mare. Mai ales ca bancile nu-si informeaza clientii despre pericol. Atunci cand lanseaza un nou credit de acest tip, bancile anunta doar dobanda fixa valabila in primul an, care a ajuns in ultima vreme chiar si la cinci procente pe an, multumindu-se sa precizeze doar ca incepand cu al doilea an, dobanda devine variabila si se va calcula conform unor indicatori precum BUBOR sau EURIBOR.
Ce inseamna asta? Care va fi valoarea dobanzii din urmatorul an? Ramane o enigma pentru multi clienti. Acestia se vor trezi ulterior ca vor avea de platit dobanzi cu patru, cinci puncte mai mare decat in prezent, adica dublu, ceea ce inseamna ca si rata lunara pentru rambursare creditului se va dubla. Caz in care nu numai ca nimeni nu va fi fericit, dar care ar putea duce la drama incapacitatii de plata a clientului sau chiar la probleme ale sistemului bancar, la fel cum s-a intamplat in Statele Unite, cand astfel de credite au afectat serios functionarea unor banci iar autoritatile de supraveghere au fost nevoite sa ia masuri.
.
Internet banking gratuit pentru IMM-uri la Credit Europe Bank
Credit Europe Bank ofera intreprinzatorilor din Romania multiple beneficii prin intermediul Pachetului Operational �e-discount IMM". Clientii care opteaza pentru utilizarea acestui pachet beneficiaza de internet banking gratuit si de reduceri de pana la 100% ale comisioanelor aferente tranzactiilor bancare efectuate printr-o conexiune securizata de internet banking.
�Prin includerea Pachetului e-discount IMM in portofoliul de produse si servicii destinate IMM-urilor, Credit Europe Bank doreste sa ofere acestora solutii de reducere a costurilor operatiunilor bancare efecutate prin internet banking, oferind in acelasi timp o mai mare flexibilitate in efectuarea acestor operatiuni, fara a fi necesara deplasarea clientilor la una din sucursalele bancii�, a declarat Dl. Cemal Yildirim, Vicepresedintele Diviziei Banking IMM din cadrul Credit Europe Bank.
Structura Pachetului operational �e-discount IMM" este standard, acesta fiind compus din: cont curent, internet banking oferit gratuit (prin intermediul caruia tranzactiile efectuate beneficiaza de reduceri de pana la 100% a comisioanelor aferente), precum si acces gratuit la Portalul Credit Europe IMM.
Pachetul �e-discount IMM" se adreseaza clientilor IMM ai bancii pentru care economia de timp, flexibilitatea, gestionarea mai facila a operatiunilor bancare si mobilitatea pe care le poate oferi un serviciu securizat de internet banking sunt extrem de importante. In acelasi timp, Pachetul Operational pentru IMM-uri se doreste a fi un instrument eficient, care sa permita clientilor nostri, pe langa accesul modern si rapid la conturile acestora, si reducerea costurilor aferente tranzactiilor bancare.
Sfaturi pentru consumul de fructe
Pastrati un platou cu fructe pe masa sau in frigider. Pastrati la frigider fructele taiate pentru a le consuma mai tarziu. Cumparati fructe proaspete in timpul sezonului deoarece sunt mai accesibile si mai gustoase. Cumparati si fructe uscate, congelate sau confiate (in apa sau sirop) astfel incat sa dispuneti intotdeauna de o provizie. Cumparati conserve de fructe feliate (bucati de pepenele galben sau ananas) pentru o gustare rapida si sanatoasa. Optati pentru conservele de fructe fara zahar.
Oamenii nu stiu cand si cum se mananca fructele. Corpul nostru striga disperat dupa fructe. Fructul este mancarea cea mai energizanta, binefacatoare, datatoare de viata, de confort si de armonie, care exista. Fructele sunt alimentul cel mai important, cel mai bun si totodata cel mai potrivit sructurii noastre. Stramosii nostri au mancat numai fructe, zeci de milioane de ani. Mancarea pe care o consumam lasa urme pe dintii nostri. Din studiile dintilor fosilizati rezulta ca primii oameni nu mancau carne, nici seminte, tulpini, radacini sau frunze, ci fructe. Ei erau fructivori. Fara exceptie, timp de milioane de ani, oamenii au mancat numai fructe.
Deoarece fructul este alimentul pentru care omul este adaptat biologic cel mai bine, este important sa ne punem problema: cate fructe am mancat azi? decat: cate proteine am mancat azi?
Se cunosc cazuri foarte numeroase de otravire cu proteine. Supraconsumul lor duce la cancer de ficat, san, vezica urinara, leucemie, cancer la stomac (care formeaza 1/3 din toate cancerele umane). Toxinele cu care proteinele ne otravesc corpul nu se gasesc deloc in fructe. Deoarece scopul nostru este de a ne curata corpul de toxine, calea cea mai eficienta este consumul de fructe. Fructele constituie alimentele cu continutul cel mai mare de apa (80-90%). Aceasta apa vegetala, VIE, este datatoare de viata si aducatoare de curatenie in tesuturi; in plus, ea este plina de vitamine, minerale, carbohidrati, aminoacizi, acizi grasi. Prin natura sa, fructul da corpului posibilitatea sa se curete de toxine, daca este corect consumat. Fructele curata, nu naclaiesc corpul.
Energia necesara digerarii fructelor este mult mai mica decat cea folosita pentru digerarea oricarui aliment. Pentru digerarea fructelor este necesara o cantitate mult mai mica decat aceea pe care acestea o furnizeaza organismului uman. Tot ce intra in stomacul omului trebuie sa fie descompus si transformat in glucoza, fructoza, glicerina, aminoacizi si acizi grasi. Acestia sunt nutrientii extrasi si folositi de organism din alimente.
Creierul functioneaza numai cu glucoza. Fructul inseamna glucoza in corpul nostru. Digestia, absorbtia si asimilarea lui necesita o energie infima fata de cea cheltuita pentru descompunerea altor alimente. Alte alimente (corect combinate) se digera in timp de 2-4 ore cu o cheltuiala notabila de energie. Fructele nu se digera in stomac fiindca sunt "predigerate". Ele trec prin stomac in 20-30 min (bananele, curmalele si fructele uscate stau cel mai mult � cam 1 ora). Energia economisita prin "nedigerarea" fructelor este enorma si folosita imediat de organism pentru curatarea tesuturilor de toxine.
Singura conditie pentru aceasta este ca fructele sa fie corect consumate. Deoarece sunt destinate sa stea in stomac atat de putin, inseamna ca ele nu trebuie mancate cu sau dupa ceva, ci dimineata pe stomacul gol sau inainte de mancare. Putin mai in detaliu: imediat cum fructul vine in contact cu mancarea din stomac si cu sucurile digestive, intreaga masa de alimente incepe sa se strice. Orice proteina din stomac va putrezi, orice hidrat de carbon va fermenta. Totul devine acid. Totusi, s-ar putea sa nu va fie rau imediat. Asta nu inseamna ca nu ati incalcat o regula de baza in alimentatie, ci arata mai curand enorma adaptabilitate a corpului nostru. Un corp toxic acid se poate recunoaste dupa: balonare, greutate excesiva, par incaruntit, izbucniri nervoase, cercuri negre sub ochi, riduri premature pe fata, ulcerari. Consumul corect de fructe duce la o incredibila intinerire, longevitate, vigoare, sanatate, energie, vitalitate.
Exemplu: pepenele nu trebuie niciodata mancat dupa masa, deoarece produce fermentatie. Daca il mancati pe stomacul gol iar dupa 20-30 min mancati altceva, veti vedea ce efecte pozitive va avea acest fapt.
Toate fructele contin acizi organici (in special acid citric, malic si tartric) care odata ajunsi in stomac sunt catabolizati si genereaza substante alcaline daca sunt consumate pe stomacul gol. Ca si vegetalele crude, ele neutralizeaza acizii care se formeaza in corp.
in afara faptului ca fructele aduc in corp apa vie care curata si purifica, ele nu lasa reziduri in sistem, nu cheltuie aproape deloc energie pentru digestie, importanta lor enorma constand in continutul valoros de combustibil. Valoarea in combustibil este ceea ce trebuie sa cautam noi in orice mancare. [combustibilul se mai poate obtine si prin somn] Procentele ideale ale celor 5 nutrienti esentiali de care are nevoie corpul sunt:
Glucoza 90%
Aminoacizi 4-5%
Minerale 3-4 %
Acizi grasi 1%
Vitamine sub 1%
Fructele sunt singurul aliment care furnizeaza aceasta compozitie perfecta de nutrienti.
Trebuie facute 2 remarci importante referitoare la consumul fructelor:
1. Fructele sau sucul lor se pot consuma numai proaspete. Fructele fierte sau coapte la cuptor nu mai furnizeaza substantele nutritive, nici apa atat de necesara purificarii; ele sunt foarte acide si forteaza corpul sa le anuleze aciditatea cu o mare cheltuiala de energie. Gatitul distruge valoarea potentiala a fructelor. Trebuie sa ne amintim mereu: sa consumam alimentele crude, sa le mestecam cum trebuie, sa nu le infulecam cu lacomie.
2. Cat timp trebuie sa treaca de la consumarea altor mancaruri pana la consumarea fructelor? Atat timp cat stomacul este gol, putem manca cand si cate fructe vrem, lasand totusi sa se scurga totusi macar 30 min inainte de a manca alte feluri de mancare.
Daca ne intreaba cineva: care credeti ca este cea mai periculoasa masa din zi, vom raspunde cu siguranta: inainte de culcare. Dar a doua masa ca pericol? Va raspundem noi: micul dejun copios. De ce? Sa ne amintim: energia este baza vietii. Cand ne sculam dimineata suntem odihniti si in cea mai buna forma energetica (pe care ne-o furnizeaza somnul). Pe ce vom cheltui aceasta energie? Pe un mic dejun copios? Digestia (mare cheltuitoare de energie) acestui "mic dejun copios" ne va consuma energia, nu ne va aduce noi forte.
Mai ales micile dejunuri traditionale � oua, branza, paine, rosii, ceai, lapte, conserve, prost combinate, consuma o enorma cantitate de energie. Energia nu poate fi furnizata decat dupa ce mancarea este absorbita de intestine. Daca vom inlocui acest amalgam de alimente (de multe ori combinate absolut haotic) cu fructe, energia acestora va fi asimilata de organism aproape instantaneu (in loc sa dureze ore) si starea de somnolenta ce urmeaza micului dejun bogat (traditional) va disparea.
La micul dejun putem manca fructe, ori de cate ori ne este foame. Mancatul fructelor pe stomacul gol accelereaza si pierderea greutatii atunci cand este necesar. Caloriile de inalta calitate care se gasesc in fructe nu vor crea probleme de greutate corpului nostru.
Ratiunea pentru care se recomanda consumul fructelor dimineata este legata de desfasurarea celor 3 cicluri ale corpului nostru:
1. Eliminarea (4 a.m.-12 p.m.). Mancand fructe in acest interval, capatam rapid energie si favorizam astfel eliminarea toxinelor. Apa continuta de fructe are un rol hotarator in procesul eliminarii. Consumarea altor alimente franeaza eliminarea.
2. Consumul alimentelor (12 p.m.-8 p.m.). Putem manca, dar cu atentie: digestia alimentelor prelucrate artificial mai mult ne consuma energia. Cel mai bine este sa incepem cu salate si pe masura ce ne apropiem de ora 8, putem consuma si alimente care contin proteine, dar corect combinate.
3. Asimilarea (8 p.m.-4 a.m.). Acum corpul nostru isi extrage substantele nutritive si le utilizeaza. Daca am combinat corect mancarurile, in aproximativ 3 ore ajung in intestin, unde incepe absorbtia lor de catre corp.
Oamenii nu stiu cand si cum se mananca fructele. Corpul nostru striga disperat dupa fructe. Fructul este mancarea cea mai energizanta, binefacatoare, datatoare de viata, de confort si de armonie, care exista. Fructele sunt alimentul cel mai important, cel mai bun si totodata cel mai potrivit sructurii noastre. Stramosii nostri au mancat numai fructe, zeci de milioane de ani. Mancarea pe care o consumam lasa urme pe dintii nostri. Din studiile dintilor fosilizati rezulta ca primii oameni nu mancau carne, nici seminte, tulpini, radacini sau frunze, ci fructe. Ei erau fructivori. Fara exceptie, timp de milioane de ani, oamenii au mancat numai fructe.
Deoarece fructul este alimentul pentru care omul este adaptat biologic cel mai bine, este important sa ne punem problema: cate fructe am mancat azi? decat: cate proteine am mancat azi?
Se cunosc cazuri foarte numeroase de otravire cu proteine. Supraconsumul lor duce la cancer de ficat, san, vezica urinara, leucemie, cancer la stomac (care formeaza 1/3 din toate cancerele umane). Toxinele cu care proteinele ne otravesc corpul nu se gasesc deloc in fructe. Deoarece scopul nostru este de a ne curata corpul de toxine, calea cea mai eficienta este consumul de fructe. Fructele constituie alimentele cu continutul cel mai mare de apa (80-90%). Aceasta apa vegetala, VIE, este datatoare de viata si aducatoare de curatenie in tesuturi; in plus, ea este plina de vitamine, minerale, carbohidrati, aminoacizi, acizi grasi. Prin natura sa, fructul da corpului posibilitatea sa se curete de toxine, daca este corect consumat. Fructele curata, nu naclaiesc corpul.
Energia necesara digerarii fructelor este mult mai mica decat cea folosita pentru digerarea oricarui aliment. Pentru digerarea fructelor este necesara o cantitate mult mai mica decat aceea pe care acestea o furnizeaza organismului uman. Tot ce intra in stomacul omului trebuie sa fie descompus si transformat in glucoza, fructoza, glicerina, aminoacizi si acizi grasi. Acestia sunt nutrientii extrasi si folositi de organism din alimente.
Creierul functioneaza numai cu glucoza. Fructul inseamna glucoza in corpul nostru. Digestia, absorbtia si asimilarea lui necesita o energie infima fata de cea cheltuita pentru descompunerea altor alimente. Alte alimente (corect combinate) se digera in timp de 2-4 ore cu o cheltuiala notabila de energie. Fructele nu se digera in stomac fiindca sunt "predigerate". Ele trec prin stomac in 20-30 min (bananele, curmalele si fructele uscate stau cel mai mult � cam 1 ora). Energia economisita prin "nedigerarea" fructelor este enorma si folosita imediat de organism pentru curatarea tesuturilor de toxine.
Singura conditie pentru aceasta este ca fructele sa fie corect consumate. Deoarece sunt destinate sa stea in stomac atat de putin, inseamna ca ele nu trebuie mancate cu sau dupa ceva, ci dimineata pe stomacul gol sau inainte de mancare. Putin mai in detaliu: imediat cum fructul vine in contact cu mancarea din stomac si cu sucurile digestive, intreaga masa de alimente incepe sa se strice. Orice proteina din stomac va putrezi, orice hidrat de carbon va fermenta. Totul devine acid. Totusi, s-ar putea sa nu va fie rau imediat. Asta nu inseamna ca nu ati incalcat o regula de baza in alimentatie, ci arata mai curand enorma adaptabilitate a corpului nostru. Un corp toxic acid se poate recunoaste dupa: balonare, greutate excesiva, par incaruntit, izbucniri nervoase, cercuri negre sub ochi, riduri premature pe fata, ulcerari. Consumul corect de fructe duce la o incredibila intinerire, longevitate, vigoare, sanatate, energie, vitalitate.
Exemplu: pepenele nu trebuie niciodata mancat dupa masa, deoarece produce fermentatie. Daca il mancati pe stomacul gol iar dupa 20-30 min mancati altceva, veti vedea ce efecte pozitive va avea acest fapt.
Toate fructele contin acizi organici (in special acid citric, malic si tartric) care odata ajunsi in stomac sunt catabolizati si genereaza substante alcaline daca sunt consumate pe stomacul gol. Ca si vegetalele crude, ele neutralizeaza acizii care se formeaza in corp.
in afara faptului ca fructele aduc in corp apa vie care curata si purifica, ele nu lasa reziduri in sistem, nu cheltuie aproape deloc energie pentru digestie, importanta lor enorma constand in continutul valoros de combustibil. Valoarea in combustibil este ceea ce trebuie sa cautam noi in orice mancare. [combustibilul se mai poate obtine si prin somn] Procentele ideale ale celor 5 nutrienti esentiali de care are nevoie corpul sunt:
Glucoza 90%
Aminoacizi 4-5%
Minerale 3-4 %
Acizi grasi 1%
Vitamine sub 1%
Fructele sunt singurul aliment care furnizeaza aceasta compozitie perfecta de nutrienti.
Trebuie facute 2 remarci importante referitoare la consumul fructelor:
1. Fructele sau sucul lor se pot consuma numai proaspete. Fructele fierte sau coapte la cuptor nu mai furnizeaza substantele nutritive, nici apa atat de necesara purificarii; ele sunt foarte acide si forteaza corpul sa le anuleze aciditatea cu o mare cheltuiala de energie. Gatitul distruge valoarea potentiala a fructelor. Trebuie sa ne amintim mereu: sa consumam alimentele crude, sa le mestecam cum trebuie, sa nu le infulecam cu lacomie.
2. Cat timp trebuie sa treaca de la consumarea altor mancaruri pana la consumarea fructelor? Atat timp cat stomacul este gol, putem manca cand si cate fructe vrem, lasand totusi sa se scurga totusi macar 30 min inainte de a manca alte feluri de mancare.
Daca ne intreaba cineva: care credeti ca este cea mai periculoasa masa din zi, vom raspunde cu siguranta: inainte de culcare. Dar a doua masa ca pericol? Va raspundem noi: micul dejun copios. De ce? Sa ne amintim: energia este baza vietii. Cand ne sculam dimineata suntem odihniti si in cea mai buna forma energetica (pe care ne-o furnizeaza somnul). Pe ce vom cheltui aceasta energie? Pe un mic dejun copios? Digestia (mare cheltuitoare de energie) acestui "mic dejun copios" ne va consuma energia, nu ne va aduce noi forte.
Mai ales micile dejunuri traditionale � oua, branza, paine, rosii, ceai, lapte, conserve, prost combinate, consuma o enorma cantitate de energie. Energia nu poate fi furnizata decat dupa ce mancarea este absorbita de intestine. Daca vom inlocui acest amalgam de alimente (de multe ori combinate absolut haotic) cu fructe, energia acestora va fi asimilata de organism aproape instantaneu (in loc sa dureze ore) si starea de somnolenta ce urmeaza micului dejun bogat (traditional) va disparea.
La micul dejun putem manca fructe, ori de cate ori ne este foame. Mancatul fructelor pe stomacul gol accelereaza si pierderea greutatii atunci cand este necesar. Caloriile de inalta calitate care se gasesc in fructe nu vor crea probleme de greutate corpului nostru.
Ratiunea pentru care se recomanda consumul fructelor dimineata este legata de desfasurarea celor 3 cicluri ale corpului nostru:
1. Eliminarea (4 a.m.-12 p.m.). Mancand fructe in acest interval, capatam rapid energie si favorizam astfel eliminarea toxinelor. Apa continuta de fructe are un rol hotarator in procesul eliminarii. Consumarea altor alimente franeaza eliminarea.
2. Consumul alimentelor (12 p.m.-8 p.m.). Putem manca, dar cu atentie: digestia alimentelor prelucrate artificial mai mult ne consuma energia. Cel mai bine este sa incepem cu salate si pe masura ce ne apropiem de ora 8, putem consuma si alimente care contin proteine, dar corect combinate.
3. Asimilarea (8 p.m.-4 a.m.). Acum corpul nostru isi extrage substantele nutritive si le utilizeaza. Daca am combinat corect mancarurile, in aproximativ 3 ore ajung in intestin, unde incepe absorbtia lor de catre corp.
Accesul la fondurile europene a fost simplificat
Pentru cele mai afectate de criza economica State Membre ale Uniunii Europene se vor acorda mai rapid fonduri europene. Astfel platiile in avans vor creste pentru proiectele care creeaza locuri de munca. Uniunea Europeana dispune de sume totale de 347 milioane de euro pentru perioada 2007-2013. Acesti bani vor fi investiti in regiunile UE prin programul fondului european de dezvoltare regionala. Acesta va acordarea de ajutoare intreprinderilor mici si mijloci, investitii in infrastructura si sprijinirea activitatilor de cercetare si dezvoltare. Pentru a face fata crizei institutiile Uniunii europene au accelerat fluxul finantarii proiectelor din domeniul dezvoltarii regionale si simplificarea regulilor de implementare a fondurilor structurale. Se sustine cresterea volumului platilor din urmatoarele tari: Romania, Ungaria, Letonia, Lituania si Estonia deoarece aceste tari sau confruntat cu o scadere a PIB-ului. Aceste tari vor primi in 2010: 2% din fondul Social European si 4% din Fondul pentru coeziune.
Legea falimentului personal aprobata de Senat
Pic1
A fost aprobat in senat proiectul de lege cu referire la falimentul persoanelor fizice. Aprobarea a avut loc dupa ce s-a primit avizul de la Comisia Juridica. Proiectul de lege urmeaza acum sa fie trimis la analiza in Camera Deputatilor. Aceasta lege ar ajuta persoanele care au credite la banci si nu mai pot sa isi plateasca ratele fie pentru ca au fost concediati sau pentru ca le-a fost redus salariul. In acest caz aceste persoane pot sa-si declare falimentul personal in justitie. Proiectul a fost promovat in septembrie dar nu a fost adus pana acum pe ordinea de zi. Legea ar ajuta persoanele cu mari datorii la banci care nu isi mai pot plati ratele. Acestia intra astfel sub protectia tribunalului si nu mai pot fi executati silit timp de cativa ani, iar apartamentele ipotecate nu vor mai putea fi vandute la preturi foarte mici. Pentru persoanele care au suferit o diminuare de salariu trebuie recalculata dobanda astfel incat sa aiba venituri pentru cheltuielile de stricta necesitate. Perioada in care se deruleaza procedura de faliment este de cinci luni iar debitorul nu mai are acces la credite, achizitii in rate, leasing sau alta forma de creditare. Senatorul Iulian Urban initiatorul proiectului a precizat, dupa trecerea proiectului de lege de senat, ca debitorul trebuie sa prezinte la tribunal un plan de redresare prin care se angajeaza ca va plati trei sferturi din rata in fiecare luna. Daca falimentul este scuzabil persoana are acces din nou la credite si isi redobandeste statutul. Daca falimentul este considerat fraudulos persoana nu va mai putea accesa nici un credit pe o durata de la cinci pana la sapte ani. Conform datelor BNR de anul trecut numarul restantierilor s-a majorat cu peste 200.000 crescand de la 483.000 la 690.000. Intr-un top al creditelor neperformante publicat de "Financiarul" pe locul unu se afla BCR cu 13,1% din total portofoliu de 11 miliarde euro, pe locul doi se afla BRD, cu 10,5% dintr-un total de 8,3 miliarde euro credite, pe trei Bancpost, cu 12% credite neperformante, dintr-un portofoliu de 3,4 miliarde euro.
Achizitionarea unui calculator cu voucherul de 200 de euro
Hotararea Guvernamentala nr. 228/2010 a fost publicata in monitorul oficial al Romaniei in 29 martie 2010. Ea vine sa modifice si sa completeze Normele metodologice de aplicare a Legii nr. 269/2004 privind acordarea unui ajutor financiar in vederea stimularii achizitionarii de calculatoare, aprobate prin Hotararea Guvernului nr. 1.294/2004.
Conform acestei Hotarari Guvernamentale pentru elevii si studentii care provin din familii cu venituri reduse se acorda un voucher de 200 de euro pentru achizitionarea unui computer. Acesta este acordat in functie de situatia scolara. Elevii trebuie sa aiba medii mari si sa nu lipseasca nemotivat iar studentii trebuie sa aiba cel putin 50 de credite pe fiecare an universitar.
Departajarea tinerilor cu acelasi venit, care depun cererea pentru a beneficia de acest voucher se face in functie de media generala/calificativ si numarul de absente nemotivate din cursul anului scolar anterior depunerii acestei cereri in cazul elevilor. Pentru studenti departajarea se va face dupa numarul de credite obtinut, minimul fiind de 50 de credite in anul universitar anterior depunerii cererii.
Pana la aprobarea Hotararii Guvernamentale pentru acordarea voucher-ului trebuiau depuse, la secretariatul respectivei unitatii de invatamant urmatoarele documente: o copie dupa certificatul de nastere al elevului sau studentului, copii ale certificatelor de nastere ale membrilor familiei, o adeverinta din care sa rezulte calitatea de elev si adeverinte de venit ale parintilor.
Conform noii Hotarari de guvern nr. 228/2010, tinerii mai trebuie sa depuna:
o adeverinta eliberata de catre unitatea de invatamant din care sa rezulte media generala/calificativul din anul scolar anterior depunerii cererii pentru acordarea voucherului, pentru toti elevii, cu exceptia elevilor clasei I;
adeverinta eliberata de catre unitatea de invatamant din care sa rezulte numarul de absente nemotivate din anul scolar anterior depunerii cererii pentru voucher, pentru toti elevii, cu exceptia elevilor clasei I;
adeverinta eliberata de catre institutia de invatamant din care sa rezulte ca studentul a promovat minimum 50 de credite in anul universitar anterior depunerii cererii pentru acordarea voucher-ului, pentru toti studentii, cu exceptia studentilor din anul I.�
Pentru stabilirea venitului lunar brut pe membru de familie se va lua in calcul toate veniturile obtinute de membrii familiei in luna precedenta exceptatie facand:alocatia de stat, alocatia familiei complementare si alocatia de sustinere pentru familiile monoparentale, bugetul personal complementar acordat persoanelor cu handicap, bursele de studii si bursele sociale precum si alte drepturi sociale care conform legii sunt exceptate de la stabilirea altor drepturi si obligatii.
Potrivit acestor prevederi ale noului act normativ vor fi efectuate anchete sociale pentru verificarea veridicitatii declaratiilor de venit si a celor referitoare la bunurile familiei, in cazul elevilor care solicita acest sprijin.
Legea falimentului personal aprobata de Senat
Pic1
A fost aprobat in senat proiectul de lege cu referire la falimentul persoanelor fizice. Aprobarea a avut loc dupa ce s-a primit avizul de la Comisia Juridica. Proiectul de lege urmeaza acum sa fie trimis la analiza in Camera Deputatilor. Aceasta lege ar ajuta persoanele care au credite la banci si nu mai pot sa isi plateasca ratele fie pentru ca au fost concediati sau pentru ca le-a fost redus salariul. In acest caz aceste persoane pot sa-si declare falimentul personal in justitie. Proiectul a fost promovat in septembrie dar nu a fost adus pana acum pe ordinea de zi. Legea ar ajuta persoanele cu mari datorii la banci care nu isi mai pot plati ratele. Acestia intra astfel sub protectia tribunalului si nu mai pot fi executati silit timp de cativa ani, iar apartamentele ipotecate nu vor mai putea fi vandute la preturi foarte mici. Pentru persoanele care au suferit o diminuare de salariu trebuie recalculata dobanda astfel incat sa aiba venituri pentru cheltuielile de stricta necesitate. Perioada in care se deruleaza procedura de faliment este de cinci luni iar debitorul nu mai are acces la credite, achizitii in rate, leasing sau alta forma de creditare. Senatorul Iulian Urban initiatorul proiectului a precizat, dupa trecerea proiectului de lege de senat, ca debitorul trebuie sa prezinte la tribunal un plan de redresare prin care se angajeaza ca va plati trei sferturi din rata in fiecare luna. Daca falimentul este scuzabil persoana are acces din nou la credite si isi redobandeste statutul. Daca falimentul este considerat fraudulos persoana nu va mai putea accesa nici un credit pe o durata de la cinci pana la sapte ani. Conform datelor BNR de anul trecut numarul restantierilor s-a majorat cu peste 200.000 crescand de la 483.000 la 690.000. Intr-un top al creditelor neperformante publicat de "Financiarul" pe locul unu se afla BCR cu 13,1% din total portofoliu de 11 miliarde euro, pe locul doi se afla BRD, cu 10,5% dintr-un total de 8,3 miliarde euro credite, pe trei Bancpost, cu 12% credite neperformante, dintr-un portofoliu de 3,4 miliarde euro.
Achizitionarea unui calculator cu voucherul de 200 de euro
Hotararea Guvernamentala nr. 228/2010 a fost publicata in monitorul oficial al Romaniei in 29 martie 2010. Ea vine sa modifice si sa completeze Normele metodologice de aplicare a Legii nr. 269/2004 privind acordarea unui ajutor financiar in vederea stimularii achizitionarii de calculatoare, aprobate prin Hotararea Guvernului nr. 1.294/2004.
Conform acestei Hotarari Guvernamentale pentru elevii si studentii care provin din familii cu venituri reduse se acorda un voucher de 200 de euro pentru achizitionarea unui computer. Acesta este acordat in functie de situatia scolara. Elevii trebuie sa aiba medii mari si sa nu lipseasca nemotivat iar studentii trebuie sa aiba cel putin 50 de credite pe fiecare an universitar.
Departajarea tinerilor cu acelasi venit, care depun cererea pentru a beneficia de acest voucher se face in functie de media generala/calificativ si numarul de absente nemotivate din cursul anului scolar anterior depunerii acestei cereri in cazul elevilor. Pentru studenti departajarea se va face dupa numarul de credite obtinut, minimul fiind de 50 de credite in anul universitar anterior depunerii cererii.
Pana la aprobarea Hotararii Guvernamentale pentru acordarea voucher-ului trebuiau depuse, la secretariatul respectivei unitatii de invatamant urmatoarele documente: o copie dupa certificatul de nastere al elevului sau studentului, copii ale certificatelor de nastere ale membrilor familiei, o adeverinta din care sa rezulte calitatea de elev si adeverinte de venit ale parintilor.
Conform noii Hotarari de guvern nr. 228/2010, tinerii mai trebuie sa depuna:
o adeverinta eliberata de catre unitatea de invatamant din care sa rezulte media generala/calificativul din anul scolar anterior depunerii cererii pentru acordarea voucherului, pentru toti elevii, cu exceptia elevilor clasei I;
adeverinta eliberata de catre unitatea de invatamant din care sa rezulte numarul de absente nemotivate din anul scolar anterior depunerii cererii pentru voucher, pentru toti elevii, cu exceptia elevilor clasei I;
adeverinta eliberata de catre institutia de invatamant din care sa rezulte ca studentul a promovat minimum 50 de credite in anul universitar anterior depunerii cererii pentru acordarea voucher-ului, pentru toti studentii, cu exceptia studentilor din anul I.�
Pentru stabilirea venitului lunar brut pe membru de familie se va lua in calcul toate veniturile obtinute de membrii familiei in luna precedenta exceptatie facand:alocatia de stat, alocatia familiei complementare si alocatia de sustinere pentru familiile monoparentale, bugetul personal complementar acordat persoanelor cu handicap, bursele de studii si bursele sociale precum si alte drepturi sociale care conform legii sunt exceptate de la stabilirea altor drepturi si obligatii.
Potrivit acestor prevederi ale noului act normativ vor fi efectuate anchete sociale pentru verificarea veridicitatii declaratiilor de venit si a celor referitoare la bunurile familiei, in cazul elevilor care solicita acest sprijin.
Lower Your Stress
If you are like most Americans, then stress can sometimes overwhelm you. Whether you suffer from stress due to your job, school, parenting or relationship problems, stress can consume you and lead to health ailments and general unhappiness. There are dozens of ways to combat stress but here are some practical tips that can be helpful.
Prioritize and Organize.
Many times we stress out because we are unprepared, or we have spent too much time on inconsequential tasks that the important tasks have been overlooked or neglected. It is important to get organized and make sure your important tasks are completed first. Figure out what is important to accomplish everyday, week or month and do those tasks first and foremost
Take time to relax
Many times we are so busy doing menial tasks or running all over the place that we forge to relax and instead we burn ourselves out. Just as it is important to complete your most important tasks, your energy and lifestyle are as important as well. Make time to relax and recharge your batteries
Keep away from stimulants and Alcohol
We can sometimes turn to stimulants such as coffee or over the counter stimulants to keep awake when we need to complete important tasks. These stimulants might give you a boost in the short run but become troublesome in the long run. Nobody wants to be addicted to 5 cups of coffee a day.
The same thing with alcohol, while it may calm our nerves in the short run, why risk having a problem. The best advice is a healthy diet and exercise. So follow these practical tips for lowering your stress and in a short time you might find your self relaxed and stress free.
Prioritize and Organize.
Many times we stress out because we are unprepared, or we have spent too much time on inconsequential tasks that the important tasks have been overlooked or neglected. It is important to get organized and make sure your important tasks are completed first. Figure out what is important to accomplish everyday, week or month and do those tasks first and foremost
Take time to relax
Many times we are so busy doing menial tasks or running all over the place that we forge to relax and instead we burn ourselves out. Just as it is important to complete your most important tasks, your energy and lifestyle are as important as well. Make time to relax and recharge your batteries
Keep away from stimulants and Alcohol
We can sometimes turn to stimulants such as coffee or over the counter stimulants to keep awake when we need to complete important tasks. These stimulants might give you a boost in the short run but become troublesome in the long run. Nobody wants to be addicted to 5 cups of coffee a day.
The same thing with alcohol, while it may calm our nerves in the short run, why risk having a problem. The best advice is a healthy diet and exercise. So follow these practical tips for lowering your stress and in a short time you might find your self relaxed and stress free.
Benefit of Physical Fitness
By Donald Holland With all of the media attention about health, most people are very much aware of the overall benefit of physical fitness and being physically fit. However, knowing the overall benefit and understanding the details of how it affects your body are two totally different things. So the purpose of this article is to provide you with the specific benefits of how physical fitness affects your health, your body, and your life. And, one of the easiest ways to show you is by breaking down the benefits in terms of the 5 components of physical fitness. Please note that this is not an exhaustive list, but it is definitely enough to help you see the tremendous benefit of physical fitness.
The benefits of cardiovascular fitness:
- Enables you to handle the seemingly endless daily activities required to get you through the day
- Strengthens the heart
- Conditions heart and lungs by increasing oxygen available to the body and enables heart to use oxygen more efficiently
- Helps to increase resistance to fatigue
- Gives extra energy
- Tones muscles
- Decreases tension
- Sleep better
- Decreases depression and anxiety
- More able to handle stress
- Reduces risk of coronary heart disease and some forms of cancer
- Strengthen bones
- Increases lung capacity
- Decreases blood pressure
- Decreases body fat percentage (lose weight)
Since these next two components are not the same but go together for most people, we will combine their benefits. The benefits of muscular endurance and muscular strength:
- Abdominal endurance helps prevent low back problems
- Improves body fat percentage
- Increases metabolism
- Helps to maintain your bone structure
- Decreases resting blood pressure
- Improves cholesterol levels
- Increases bone density and reduces the risk of osteoporosis
- Increases natural human growth hormone (HGH) which in itself is known to boost sexual potency, improve sleep, improve memory, and decrease wrinkles
- Increases testosterone
- Better looking physical appearance and improves self-image
- Increases self-esteem
- Reduces constant muscle loss (atrophy) as you age
- Increases athletic or sport performance
The benefits of flexibility fitness:
- Helps to better cope with daily activities.
- Essential to protecting joints and keeping them healthy
- Helps to strengthen your back to prevent low back pain
- Reduces the appearance and effects of arthritis
- Reduces muscle-tendon injuries
- Improves your posture
- Increases range of motion around joints
- Decreases the chance of muscle strains and pulls and ligaments tears
- Maintains body balance
- Helps to recover quicker from sport injury
- Get out of bed without being stiff and sore
- Decreases muscle soreness (from exercise or activities)
The benefit of body composition:
- Body composition is useful in determining health risks.
- Doing the right types of exercises will help you decrease fat and increase or maintain muscle
- Excessive body fat detracts from the other fitness components, reduces performance, detracts from appearance, negatively affects your health
- When the body fat ratio is high, you are considered over weight or even obese
- A high fat ratio is a sign of a greater chance of developing coronary heart disease, diabetes, joint and back pains, arthritis and higher risk of tendon-muscular accidents and injuries due to inactivity
As mentioned at the beginning of this article, it is by no means an exhaustive list, but it is a great start for your understanding. As a matter of fact, one of the biggest and most important benefits is what being healthy and physically fit can do for you mentally. A few things were mentioned above about the mental benefits but the impact is much greater.
When you’re physically fit, sure your body feels great and physically you look good, but the mental benefits are absolutely priceless. Imagine having the peace of mind to handle life, the everyday events, and just whatever comes your way without letting it wear you down. In addition, you feel sharper and think more clearly.
Getting started with fitness is easy, because you can start by doing something every day of the week or just once a week and work your way up to at least three days a week for just 20 minutes a day. It doesn’t matter, because the key is to start somewhere – anywhere. Just start! I promise you will never regret it.
One of the absolute best sources of information that I’ve found for completely understanding the benefit of physical fitness exercises is RIGHT HERE
Article Source: http://EzineArticles.com/?expert=Donald_Holland
http://EzineArticles.com/?Benefit-of-Physical-Fitness&id=669960
The benefits of cardiovascular fitness:
- Enables you to handle the seemingly endless daily activities required to get you through the day
- Strengthens the heart
- Conditions heart and lungs by increasing oxygen available to the body and enables heart to use oxygen more efficiently
- Helps to increase resistance to fatigue
- Gives extra energy
- Tones muscles
- Decreases tension
- Sleep better
- Decreases depression and anxiety
- More able to handle stress
- Reduces risk of coronary heart disease and some forms of cancer
- Strengthen bones
- Increases lung capacity
- Decreases blood pressure
- Decreases body fat percentage (lose weight)
Since these next two components are not the same but go together for most people, we will combine their benefits. The benefits of muscular endurance and muscular strength:
- Abdominal endurance helps prevent low back problems
- Improves body fat percentage
- Increases metabolism
- Helps to maintain your bone structure
- Decreases resting blood pressure
- Improves cholesterol levels
- Increases bone density and reduces the risk of osteoporosis
- Increases natural human growth hormone (HGH) which in itself is known to boost sexual potency, improve sleep, improve memory, and decrease wrinkles
- Increases testosterone
- Better looking physical appearance and improves self-image
- Increases self-esteem
- Reduces constant muscle loss (atrophy) as you age
- Increases athletic or sport performance
The benefits of flexibility fitness:
- Helps to better cope with daily activities.
- Essential to protecting joints and keeping them healthy
- Helps to strengthen your back to prevent low back pain
- Reduces the appearance and effects of arthritis
- Reduces muscle-tendon injuries
- Improves your posture
- Increases range of motion around joints
- Decreases the chance of muscle strains and pulls and ligaments tears
- Maintains body balance
- Helps to recover quicker from sport injury
- Get out of bed without being stiff and sore
- Decreases muscle soreness (from exercise or activities)
The benefit of body composition:
- Body composition is useful in determining health risks.
- Doing the right types of exercises will help you decrease fat and increase or maintain muscle
- Excessive body fat detracts from the other fitness components, reduces performance, detracts from appearance, negatively affects your health
- When the body fat ratio is high, you are considered over weight or even obese
- A high fat ratio is a sign of a greater chance of developing coronary heart disease, diabetes, joint and back pains, arthritis and higher risk of tendon-muscular accidents and injuries due to inactivity
As mentioned at the beginning of this article, it is by no means an exhaustive list, but it is a great start for your understanding. As a matter of fact, one of the biggest and most important benefits is what being healthy and physically fit can do for you mentally. A few things were mentioned above about the mental benefits but the impact is much greater.
When you’re physically fit, sure your body feels great and physically you look good, but the mental benefits are absolutely priceless. Imagine having the peace of mind to handle life, the everyday events, and just whatever comes your way without letting it wear you down. In addition, you feel sharper and think more clearly.
Getting started with fitness is easy, because you can start by doing something every day of the week or just once a week and work your way up to at least three days a week for just 20 minutes a day. It doesn’t matter, because the key is to start somewhere – anywhere. Just start! I promise you will never regret it.
One of the absolute best sources of information that I’ve found for completely understanding the benefit of physical fitness exercises is RIGHT HERE
Article Source: http://EzineArticles.com/?expert=Donald_Holland
http://EzineArticles.com/?Benefit-of-Physical-Fitness&id=669960
Heres Exactly What Makes Web Audio So Powerful
Have you ever tried to communicate with another person using just actions and sign language? It gets pretty frustrating, doesn't it? Especially when you know that if you could just SAY a few words, they'd get the picture, almost instantly.
Well, imagine if the website you've put up on show... could "speak". If it could sparkle with the spoken word. What do you think the effect could be?
You see, what the smart website marketers have realised, is that they need to move beyond just written words and striking graphics. They're looking to giving their website? a 'personality'.
BUT? in the cold hearted, faceless world of the internet, being able to reach the audience you want, with sincerity, warmth and with a 'face', doesn't come easily to most.
That is unless you happen to have the skilful knack of knowing what to write, when to write it and are able to string words together to help paint a strong emotional picture in readers minds for your product, service or idea.
Getting all the help we can via other means is crucial in giving us that slight edge.
There's possibly nothing more intimate, more convincing, more realistic for the reader, than to hear a 'voice' behind the website. What it adds, is satisfying helpings of?
LIFE and? CREDIBILITY!
Imagine being able to connect at regular intervals with your customers and clients! How do you think they'll feel when you're able to inform them that there's an exciting offer about to happen and you make sure the message reaches both their eyes, and their ears!
What about using this simple technology to help create a stampede of sales, an abundance of new subscribers, a fleet of qualified prospects, a herd of new referrals!
What about being able to tell your customers that you messed up on the last bit of information you gave them and that you're really sorry. Won't you be able to convey this message better using real live words, than by using written text?
Won't your sincerity, conviction and heartfelt emotion, reach them INSTANTLY, where it matters most? THEIR HEARTS!
Copyright 2004 Nick James
About The Author
Nick James is a UK based direct marketer and product developer. During the last 3 years Nick has sold in excess of £1 Million of products and sevices. Subscribe to his Free Tip Of The Week at: www.Nick-James.com New Product: www.FlashAudioWizard.com.
Well, imagine if the website you've put up on show... could "speak". If it could sparkle with the spoken word. What do you think the effect could be?
You see, what the smart website marketers have realised, is that they need to move beyond just written words and striking graphics. They're looking to giving their website? a 'personality'.
BUT? in the cold hearted, faceless world of the internet, being able to reach the audience you want, with sincerity, warmth and with a 'face', doesn't come easily to most.
That is unless you happen to have the skilful knack of knowing what to write, when to write it and are able to string words together to help paint a strong emotional picture in readers minds for your product, service or idea.
Getting all the help we can via other means is crucial in giving us that slight edge.
There's possibly nothing more intimate, more convincing, more realistic for the reader, than to hear a 'voice' behind the website. What it adds, is satisfying helpings of?
LIFE and? CREDIBILITY!
Imagine being able to connect at regular intervals with your customers and clients! How do you think they'll feel when you're able to inform them that there's an exciting offer about to happen and you make sure the message reaches both their eyes, and their ears!
What about using this simple technology to help create a stampede of sales, an abundance of new subscribers, a fleet of qualified prospects, a herd of new referrals!
What about being able to tell your customers that you messed up on the last bit of information you gave them and that you're really sorry. Won't you be able to convey this message better using real live words, than by using written text?
Won't your sincerity, conviction and heartfelt emotion, reach them INSTANTLY, where it matters most? THEIR HEARTS!
Copyright 2004 Nick James
About The Author
Nick James is a UK based direct marketer and product developer. During the last 3 years Nick has sold in excess of £1 Million of products and sevices. Subscribe to his Free Tip Of The Week at: www.Nick-James.com New Product: www.FlashAudioWizard.com.
High Quality Auto Parts for Chevy, Toyota, Nissan, Honda and Jeep Now On Sale at Auto Parts Train
by: Jenny McLane
Good new for Chevy parts, Toyota parts, Nissan parts, Honda parts and Jeep parts users! Auto Parts Train, the country's leading auto parts dealer is now selling these top quality auto parts at the lowest prices. While you get satisfied from the auto parts' superior quality and performance, you can also save from Auto Parts Train's hottest deals on these products. Up to 50% discounts are offered plus you get more choices as Auto Parts Train includes auto parts for older and the latest models.
Just click through the link and see for yourself the best deals on high quality Toyota parts, Chevy parts, Nissan parts, Honda parts and Jeep parts offered by Auto Parts Train. Meanwhile let's take a look at the store's featured auto parts: the exhaust system parts.
Recognizing that automobiles are major causes of air pollution, Auto Parts Train [http://www.partstrain.com] supports environmentalists’ long-time crusade for a cleaner and greener environment by offering high quality exhaust system replacement parts. This number one auto parts store believes that the exhausts system is crucial to the vehicle’s performance as well; thus, it gives only the most reliable parts like catalytic converters and mufflers for almost all makes and models.
Let’s take a closer look at a car’s exhaust system, its components, how to control harmful emissions and Auto Parts Online store’s featured exhaust parts like Chevy truck exhaust parts, Toyota exhaust parts, Nissan exhaust parts, Jeep exhaust and Honda exhaust parts.
The Exhaust System
Emission requirements for automobiles have gone higher and higher as the years pass by. This is primarily due to the growing concern for the environment of motorists and non-auto users’ alike. Since 1980s, all vehicles (except diesel engine-equipped vehicles) are required to include a catalytic converter [http://www.partstrain.com/ShopByDepartment/Catalytic_Converter] in the exhaust system. This part is in charge of cleaning the excess gasses produced during the combustion so that they’ll be less harmful to the environment when sent out of the vehicle.
There are two types of exhausts system: the Dual Exhaust System (also twin exhaust system) and the Emission Control System. The first has two tailpipes; thus allows the engine exhaust more freely. It minimizes back pressure, making it easier for the engine to breathe in more air for a more efficient combustion. This type of exhaust also significantly reduces the excess gasses after each exhaust stroke of the pistons.
The second type is purely focused on restricting the amount of harmful gases in the exhaust. This type can be further grouped into two categories; the first type is designed to eliminate formation of “pollutants” in the engine itself while the other type is designed to alter the state of the harmful by-products before they are finally released out of the vehicle. If you have a Chevy truck equipped with a Chevy catalytic converter, it has this second type of emission control exhaust system.
Increasing Engine and Vehicle Efficiency
Increasing the engine and vehicle efficiency is also a way of reducing harmful exhaust. If you have an old Ford Mustang for example, you can control emissions by upgrading its engine parts and electrical parts. High quality electrical parts affect the way the air and fuel mixture in the engine is ignited and thus, they also affect the engine’s performance.
Vehicle efficiency can be achieved by keeping the vehicle light as much as possible. Replacing its body parts with lighter yet more durable and aerodynamic parts can be of great help. It helps in cutting fuel expenses at the same time in making your ride livelier. For your body parts needs, the store offers light and high-grade replacements body panels such as the hood, fender and door.
As a top Auto Parts Store with more than 25 years of experience in the car parts business, Auto Parts Train simply knows what you need and what you deserve—the best automotive products and the best deals as well. Hence, aside from giving you premium quality exhaust system auto parts, the store also offers great Auto Parts Discount deals for every replacement and aftermarket auto part you purchase. Best deals are offered on thousands of quality Ford parts, Chevy parts, Toyota parts, Honda parts, Nissan parts, Mazda parts, Volvo parts and Jeep parts.
Featured in the site are highly durable and heavy-duty auto parts for trucks, SUVs and other larger vehicles. These type vehicles are used for more challenging tasks; thus, they need hard-wearing parts. Moreover, they need to meet higher emission standards, so you need to have highly efficient exhaust parts. Find the best quality Jeep catalytic converters and Jeep exhaust manifolds at almost half the usual price. Exhaust manifold offered here are made of cast iron and have heat shield so they are sure to endure extreme heat and harsh driving situations. Auto parts such as mirrors, tail lights, headlights, radiators, wheels, are also available in a pocket-friendly price.
See for yourself Auto Parts Online’s top quality automotive parts and its exciting deals on virtually all kinds of auto parts such as Pontiac parts, Mercedes Benz parts, BMW parts, Dodge parts, Saturn parts, Volkswagen parts and GMC parts. Explore its easy to navigate and very informative site now.
Good new for Chevy parts, Toyota parts, Nissan parts, Honda parts and Jeep parts users! Auto Parts Train, the country's leading auto parts dealer is now selling these top quality auto parts at the lowest prices. While you get satisfied from the auto parts' superior quality and performance, you can also save from Auto Parts Train's hottest deals on these products. Up to 50% discounts are offered plus you get more choices as Auto Parts Train includes auto parts for older and the latest models.
Just click through the link and see for yourself the best deals on high quality Toyota parts, Chevy parts, Nissan parts, Honda parts and Jeep parts offered by Auto Parts Train. Meanwhile let's take a look at the store's featured auto parts: the exhaust system parts.
Recognizing that automobiles are major causes of air pollution, Auto Parts Train [http://www.partstrain.com] supports environmentalists’ long-time crusade for a cleaner and greener environment by offering high quality exhaust system replacement parts. This number one auto parts store believes that the exhausts system is crucial to the vehicle’s performance as well; thus, it gives only the most reliable parts like catalytic converters and mufflers for almost all makes and models.
Let’s take a closer look at a car’s exhaust system, its components, how to control harmful emissions and Auto Parts Online store’s featured exhaust parts like Chevy truck exhaust parts, Toyota exhaust parts, Nissan exhaust parts, Jeep exhaust and Honda exhaust parts.
The Exhaust System
Emission requirements for automobiles have gone higher and higher as the years pass by. This is primarily due to the growing concern for the environment of motorists and non-auto users’ alike. Since 1980s, all vehicles (except diesel engine-equipped vehicles) are required to include a catalytic converter [http://www.partstrain.com/ShopByDepartment/Catalytic_Converter] in the exhaust system. This part is in charge of cleaning the excess gasses produced during the combustion so that they’ll be less harmful to the environment when sent out of the vehicle.
There are two types of exhausts system: the Dual Exhaust System (also twin exhaust system) and the Emission Control System. The first has two tailpipes; thus allows the engine exhaust more freely. It minimizes back pressure, making it easier for the engine to breathe in more air for a more efficient combustion. This type of exhaust also significantly reduces the excess gasses after each exhaust stroke of the pistons.
The second type is purely focused on restricting the amount of harmful gases in the exhaust. This type can be further grouped into two categories; the first type is designed to eliminate formation of “pollutants” in the engine itself while the other type is designed to alter the state of the harmful by-products before they are finally released out of the vehicle. If you have a Chevy truck equipped with a Chevy catalytic converter, it has this second type of emission control exhaust system.
Increasing Engine and Vehicle Efficiency
Increasing the engine and vehicle efficiency is also a way of reducing harmful exhaust. If you have an old Ford Mustang for example, you can control emissions by upgrading its engine parts and electrical parts. High quality electrical parts affect the way the air and fuel mixture in the engine is ignited and thus, they also affect the engine’s performance.
Vehicle efficiency can be achieved by keeping the vehicle light as much as possible. Replacing its body parts with lighter yet more durable and aerodynamic parts can be of great help. It helps in cutting fuel expenses at the same time in making your ride livelier. For your body parts needs, the store offers light and high-grade replacements body panels such as the hood, fender and door.
As a top Auto Parts Store with more than 25 years of experience in the car parts business, Auto Parts Train simply knows what you need and what you deserve—the best automotive products and the best deals as well. Hence, aside from giving you premium quality exhaust system auto parts, the store also offers great Auto Parts Discount deals for every replacement and aftermarket auto part you purchase. Best deals are offered on thousands of quality Ford parts, Chevy parts, Toyota parts, Honda parts, Nissan parts, Mazda parts, Volvo parts and Jeep parts.
Featured in the site are highly durable and heavy-duty auto parts for trucks, SUVs and other larger vehicles. These type vehicles are used for more challenging tasks; thus, they need hard-wearing parts. Moreover, they need to meet higher emission standards, so you need to have highly efficient exhaust parts. Find the best quality Jeep catalytic converters and Jeep exhaust manifolds at almost half the usual price. Exhaust manifold offered here are made of cast iron and have heat shield so they are sure to endure extreme heat and harsh driving situations. Auto parts such as mirrors, tail lights, headlights, radiators, wheels, are also available in a pocket-friendly price.
See for yourself Auto Parts Online’s top quality automotive parts and its exciting deals on virtually all kinds of auto parts such as Pontiac parts, Mercedes Benz parts, BMW parts, Dodge parts, Saturn parts, Volkswagen parts and GMC parts. Explore its easy to navigate and very informative site now.
Abonați-vă la:
Postări (Atom)