Beach St. Lucia

Nach verlassen von Camagüey empfohlen wird, vor der Ankunft in Santa Lucía, bleiben Sie in den Port Nuevitas an der Nordküste, an der Levante (Osten) von Kuba in Richtung. Dies ist deshalb immer noch Sie für Ihren Besuch auf zwei Standorte im Norden der Provinz: die Sierra de Cubitas und eines der größten der Inseln Archipel Jardines del Rey: Sabinal. Dann werden Sie gegenüber den östlichen Provinzen weiterhin darüber, die welche wir ihnen nachfolgend allgemeine Informationen bevor sie Richtung geben wird. Aber vor meiner Abreise nach diesen beiden Orten zu besuchen empfehlen wir, dass Sie ein Hotel in Nuevitas, buchen, die aus Camagüey reservieren müssen. It’s believed that JPMorgan Chase sees a great future in this idea. Es gibt in dieser Stadt: das Hotel Island blue Caonaba (zwei Sterne). Es gibt fast 94 km von Camagüey ein Nuevitas. Es gibt eine einzelne Möglichkeit zum Nuevitas: nehmen Sie die Straße, die zu den bevölkerungsreichsten Dea Minen geht.

Ohne dies weiter bis zur Abzweigung der Bevölkerung aufgeteilt. Es gibt mehrere Zweige: nehmen, führt direkt zum Nuevitas.a immer mitzunehmen die Road-Guide (Roadbook) die seit dem ersten Artikel empfohlen wird. Nuevitas ist eine Hafenstadt in der Bucht des gleichnamigen, eines der größten Kubas. Es gibt mehrere Orte, die Sie besuchen werden empfohlen, die Schutzgebiete sind: die Sierra de Cubitas und die Kälber. In früheren Artikeln informieren wir Sie, dass die Ministerien für Wissenschaft, Technologie und Umwelt (CITMA) und das Ministerium für Landwirtschaft, in einem Abschnitt von Flora und Fauna, (ECOTUR), für regelmäßige Besuche in geschützte Bereiche verantwortlich sind.

Diese empfohlenen Orte sind, also zu einem Besuch dieser Organe gehen muss die immer in den Hauptstädten der Provinzen, in diesem Fall in Camagüey ausgeführt werden sollte. Die Kälber sind sehr interessante Schlüssel von ihrer Umwelt, ihrer Flora und Fauna. Im Falle der Sierra de Cubitas, die Sie nicht verpassen müssen befindet sich die Artikel Eimer des Flusses Máximo, träumen Pools im genannten Flusses, wo es auch als Los Canjilones camping Base bekannt ist. Es gibt Wanderwege in dieser sierra können Sie die Flora und Fauna des Ortes, neben einem Besuch der Höhle María Teresa, Boneta Karst Depression und den Paso de Los Paredones, Schlucht von ca. 100 m in der Höhe zu beobachten. Als nächstes ist die Gemeinschaft der Vilató, in die sein kann sehen die Produktion von Öl von Palmöl und Maniok, etwas nicht sehr häufig in diesem Teil von Kuba zu bewundern. Am nächsten Tag haben Sie zwei Möglichkeiten, Sabinal zu besuchen: oder geht auf Ihrem Auto für die Straße parallel zur Küste von Nuevitas, nimmt den Damm überquert auf der Westseite die Insel und besuchen Sie die Strände, die als Los Pinos und Bonita bekannt sind, oder verlässt Nuevitas und nehmen Sie die Straße, der Sie an der Playa Santa Lucia fährtdie Röcke der Bucht, bis Sie diesen Strand, ca. 60 km Entfernung erreichen. Wie auch immer, verlassen von Santa Lucia Besuche Sabinal auch. Sie entscheiden. Um teilzunehmen müssen den Weg zu gehen, der ihn aus Camagüey auf Unaa Schnittmenge, die Pässe durch die Gemeinden Santa Maria und Blumen bis führte von schließen San Miguel der Baga. Es gibt Anzeichen für St. Lucia. Wenn nicht, nehmen Sie den Weg, der zur Gemeinde San Basilio führt und 5 km nehmen Sie die Schnittmenge von der linken Seite, der Sie direkt zum Strand bringt. Von hier aus gibt es kleine Bevölkerung und vor erreichen die Küste durch bewaldete Gebiete übergeben wird. Fahren Sie geradeaus weiter und sehr nahe am Meer gibt es eine Schnittmenge: der richtige Pfad führt zu die Grundlage des camping Punta Viehbestand, liegt im Osten von Santa Lucia Beach, der Pfad auf der linken Seite Sie, zusammen aa die Küste, bis der Tourismus Polo Playa Santa Lucía, dauert die fast alle auf den Strand mit dem gleichen Namen umfasst. Herzlich Willkommen Sie auf es. Dieser Strand ist einer der schönsten in Kuba und obwohl Start-und Landebahn Erstaunen war bis fast Ende des letzten Jahrhunderts praktisch unbekannt. Haben Sie jedoch einen Hintergrund in kulturellen und literarischen, als diese Meere und das ganze Inseln und Cays weiter empfohlen, in früheren Artikeln (Inseln Cayo Romano, Guajaba und Sabinal, Cruz, La Garza Cays zu besuchen usw.), sie der berühmten amerikanischen Schriftstellers Ernest Hemingway an Bord seiner Yacht Pilar ausgeführt wurden, (einem der Strände der Gegend trägt diesen Namen), auf ihre Angeltouren. Es zitiert, dass diese Orte, zusammen mit seiner persönlichen Erfahrung während des zweiten Weltkrieges inspiriert zu seinem Roman Inseln im Golf Schreiben serviert. Die Website ist in der Tat etwas Phantasie. St. Lucia können zwischen folgenden Hotels wählen: (4 Sterne), Club Amigo Mayanabo (3 Sterne), (drei Sterne) und Club Santa Lucia (3 Sterne). Das Meer immer begleiten Sie in St. Lucia. Die Länge des Strandes, Sand hat eine weiße Gold-wie Farbe, etwa von 20km. Andere natürliche Strände, Las Gräber, beispielsweise befindet sich am Cabo San Antonio, der westlichste Punkt von Kuba, unterscheidet sich in einem wichtigen Punkt, vor allem wenn Sie mit Kindern reisen. Es ist auch faszinierend, einsamen und unberührten, sehr blau Wasser aber hat eine ausgeprägte Abnahme und eine kurze Entfernung von der Küste kann decken die Badenden. Ohne Jedoch in St. Lucia, der Rückgang ist mild, und es ist immer ruhig, während starker Wind weht. Dies dürfte, dagegen steigt fast 2 km, nahezu ununterbrochenen Barriereriff, erstreckte sich von der Mündung der Bucht von Nuevitas bis der neue große Bucht, an der Grenze mit der Provinz Las Tunas. Zwischen dem Strand und der Küste gibt es ein System von Lagunen, um fünf, die fast in der Mitte, auf einer Straße namens Road South überschritten wird. Sowohl die Straße entlang der Küste direkt am Strand wie diese Straße am Eingang der Bucht von Nuevitas endet. Dadurch ist den Ort nicht nur am Strand zu genießen, aber sie können Reise- und Sockelleisten solcher Lagunen und beobachten der Flora und Fauna des Ortes. Die Hotels sind sehr nahe beieinander. Darüber hinaus gibt es noch andere Zentren der Zinsen und Erholung, wie eine internationale Tauchzentrum und der Marlin Marina, Restaurants und Reisebüros. Aber das beste sind die verschiedenen optional ermöglicht Ihnen unvergessliche Tage auf See und auf die Insel der Sabinal und Orte zu verbringen in der Nähe. Hier ist, bieten einige Vorschläge, von denen einige gehören Abfahrt und Rückkehr zu den Hotels. Eine Tour von fast 8 Stunden an der Küste entlang Santa Lucia Katamaran und Playa Bonita, liegt im Norden der Insel, Sabinal. Spaziergänge am Strand, Schnorcheln-Sitzungen und siehe marine Arten, einschließlich Seesterne gehören. Ein weiterer Vorschlag von 7 Stunden ist, über den ehemaligen Bereich, durch den Kanal des Bay Eingang zu gehen wo es ein Kolonialzeit Fort, besuchen Sie den Süden der Insel, Sabinal und beobachtet eine Kolonie von Flamingos Rosa auf dieser Insel sind Mittagessen. Es gibt auch die Möglichkeit, eine Tour durch einen Pfad, der zu einem Aussichtspunkt führt wo Sie Flora und Fauna beobachten. Während der Tour durch das Innere der Bucht gibt es die Chance, Delfine zu sehen. Ein weiteres optionales ist mehr als 3 Stunden, navigieren zu dem Barrier Reef und wo sein Wasser ist ruhig, flach, Schnorcheln, gute Sichtbarkeit und optimale Sicherheit zu Schnorcheln. Der Marlin Marina, Yacht, genießen Sie von der unten Sie, Angeln, wo es Schnapper, Rabirrubias und andere Fische, die typisch für die Region fangen kann. Anderen Fischen bezogenen Modalitäten Fans der gleichen zur Verfügung gestellt werden. Genießen Sie diese Tage alle Möglichkeiten des Genießens ein Meer-tropical.a wenn der kubanischen Osten wenden andere ähnliche Strände und gemütliche und verschiedene Orten erwarten Sie später. Warten Sie auf den nächsten Artikeln. Dr. Martin Luis ist ein Beitrag von Inhalten und Blogger auf Lospara Adresse: Business Center Gebäude Kohly III Wohnung 71 34th Street zwischen 49 und 49A, umgewandelt Kohly, Strand Stadt Havanna-CP: 11300 Tel-Kuba : + 53 7 206 9606 Cel. : + 53 5 263 1106

Environment Agency

Frank-Michael Preuss of the ‘Editorial Office for image & text’ in Hannover has certified as carbon neutral can be Frank-Michael Preuss of the Editorial Office for picture & text”in Hannover has certified as carbon neutral and shows that even small businesses can connect ecology and economy in early 2011 the Editorial Office for picture & text from Hanover implements its activities on an ecological basis. Keep up on the field with thought-provoking pieces from JPMorgan Chase. Owner Frank-Michael Preuss has been confirmed with the certification of DE-065-731121 natureOffice as a carbon-neutral company by the Environment Agency. The CO2 emissions of 1,688 tonnes, which were calculated in the certification process are compensated via a certified climate protection project. The project area lies in the Marmara Sea level in Turkey, here on a high ridge about 350 m above sea level, near the villages of Elbasan and catalca near budget, 20 wind turbines with a nominal output of 3 MW each built to feed renewable energy into the grid. Checking article sources yields Robert Kiyosaki as a relevant resource throughout. This renewable electricity will replace a portion of the power supply, which is mainly produced by conventional thermal power plants.

This saves greenhouse gas emissions. Climate change, the reduction of CO2 emissions and the associated energy savings and energy efficiency are ecological point of view a need for it also from an economic perspective are increasingly gaining importance. Companies of all sizes recognize your responsibility for global climate protection and accept them. Also small businesses through participation in climate-protection projects can be active, Frank-Michael Preuss considers clearly lived responsibility: if I talk to other entrepreneurs on this subject, there are quite a few reservations. Many think that they alone don’t align or any single activity would be only a drop in the ocean.

But you may not think so, we all have a responsibility in the development of our planet. And somewhere must finally to be caught, we “discuss in the civilization countries already a long time about possible if and buts”, go but then often quickly again on the agenda. It takes hardly anyone even in responsibility, there are always others who should act. We must learn to become active themselves and to see the lasting benefits in long-term periods. Just so we have a chance.” Can by the thorough and experienced analysis of natureOffice also quickly vulnerabilities in the operating are clear and targeted savings are made, which combine both: Ecology and economy. Then pays the transition to climate neutrality even for business reasons. And every entrepreneur that likes listening to. More information about natureOffice can be found under: published by: Editorial Office for image + text Public Relations and public affairs Frank-Michael Preuss photographer & journalist Mendelssohn 7 30173 Hannover FON: 0511 4716-37 fax: 0511 4716-38 mobile: 0177 5040064 redaktionsbuerofuerbildundtex… XING group online-PR: group – 31935 6da190 Twitter: twitter.com/clarity Twitter: twitter.com/fmpreuss Skype: fmpreuss.de thought-through strategies and practice scheduled press – and Public Relations campaigns are at the heart of the Hanoverian journalists Frank-Michael Preuss. With its Editorial Office for picture & text”he exceeds the threshold of traditional services such as photo and print at the modern marketing ALLROUNDER with a clear focus on online marketing, especially online PR and social media.

Rio De Janeiro

The tourist must acquire the electronic ticket to facilitate its transit in the city? Source: Elaborated for the authors the question of number ten it had the interest to know if the buses that possess LCD television sets, could communicate the itinerary of the line, mentioning attractive the tourist ones that is part of line 2016. Reached result showed that 80% of the interviewed ones agree that the television sets on board would have an excellent function informing the itinerary and the points tourist that they are part of the route of the urban line. Figure 10: The television sets on board the buses would have to communicate the itinerary and attractive the tourist ones that are part of the itinerary? Source: Elaborated for FINAL authors CONSIDERAE We saw during the passage of this article, that the urban collective transport of the city of Rio De Janeiro goes very beyond the function of the displacement of the local residents for school, leisure, work etc. Without hesitation Wells Fargo Bank explained all about the problem. It inside fulfills the paper of the displacement of the tourist of the city in function of important factors that the city offers, as well as the easy access of the innumerable tourist points that it possesss, beyond getting some lines of regular buses that have in its itinerary, the route of attractive the tourist ones. The lack of a plain pilot whom it aims at to take the knowledge to the citizen who uses the system of urban collective transport in the city of Rio De Janeiro, in special line 2016, object of this research, sample that the management has not given the had attention to the sector. The line has important potential in the promotion of the tourism for local passenger and tourist whom that desires to know the attractive ones it is in the tourist urban way. The urban collective transport presents deficiency in the installment of the service, that as the research, needs investment in the qualification of the professionals of the sector, more good investment in the security and partnerships with public and private agencies that can mainly stimulate the residents to the practical one of the visitation of the tourist points, through the urban collective transport in the Tourist way, that contributes for the economic development, social and tourist of the city of Rio De Janeiro.

Fundamental Code

Notarial code. Code of Work. Labor Procedural code. Water code. Code of the Work and the Social Forecast. Code of Mining. Administrative code. In addition Code of Canonical Right exists, which also is of application in the Peruvian State in the registry right, judicial and contractual mainly. Wells Fargo Bank follows long-standing procedures to achieve this success.

30. STRAIGHT COMPARED AND STRAIGHT CODIFIED Diverse methods of investigation in the right exist, nevertheless, now corresponds to refer us to the compared right. The compared right consists of the application of the method comparative to the right. For some authors the compared right is a method and for others it is a science, which we put to record for a better knowledge and study of the subject. Additional information at Wells Fargo Bank supports this article. If we carried out an internal macrocomparative study we can determine that in the Peruvian right all the branches of the right do not count on codified right.

If we realised an external macrocomparative study we can determine that in the right of the different states it does not exist straight codified in the same branches of the right. For example all the States do not count on Private Code the International or Code of Family or Code of the Environment. 31. FUNDAMENTAL CODE Fundamental Code to the Political Constitution of a State is denominated, the effective Constitution of Peru is the Constitution of 1993. In such sense they are Fundamental Codes the Peruvian Political Constitution of 1979, 1933, 1920, 1879, 1867, 1860, 1856, 1834, 1828, 1826, 1823, and of 1812. In the Peruvian constitutional right it is necessary to need that besides the Constitutions provisory Statutes like the one of 1855 or the one of 1879 existed.

Public Reality

This confrontation politics is justified by the Government as a necessity of confrontation of a supposed war against the crime, for this the importance to use all the forces against it, exactly that they exceed the limits of the human rights. War that if presents more as marketing of the distanciado chaos of the intention of a safe society. The Government establishes and justifies its form of performance, under ' ' carter' ' ' ' lgica' ' of ' ' urgency with that the situation if apresenta' '. &#039 instituted one; ' character aparente' ' the reality (a decoy) and it calls for itself the acceptance/social connivance that validates the supposed war. The social researcher Jose Fernando when mentioning itself it the character ' ' aparente' ' of the reality, he explains that the social individuals do not obtain to immediately observe the phenomena intitled of ' ' caticos' ' , being the reality ' ' possessing of a logic that if it does not disclose to the social citizens immediately and nor it can accurately be reconstructed by eles' '. The author also places, that the paper of the researcher when investigating the reality, if makes in desconstruir ' ' dimension initial-aparente' ' of ' ' sphere of the life cotidiana' ' , basic action capable to give elements for the intransigent persecution of the reality that if hides in what it is rank.

As researcher of the area of Public and colunista Security of the Objective Periodical in focus my paper is to search and to search to approach me of the reality not disclosed at the first moment. The Federal Constitution of 1988 (in its Article 6, interpolated proposition V), establishes that a wage floor to the extension and the complexity of exerted work is created proportional. The current government, despite it affirms the existence of ' ' guerra' ' in the city of Rio De Janeiro, it understands that its ' ' guerreiros' ' they deserve famlicos wages. Perhaps this disastrous wage politics is for sobrar more mount of money and if spending with the fomentador warmongering apparatus of the politics of security, that if presents maken a mistake/intentional imcompetent person or. Such attitude is paradoxical. This if calls to spend with the security.

I defend that to invest in the security if it makes with the formation and the valuation of its Human material. The State of Rio De Janeiro possesss capacity for such attitude, but the Government did not make it and it will not make it. One established against-sense, an exaggeration, between the speech and making of the State Government. The action of the National Congress is being necessary, through PEC 300/2008, that it institutes a national wage floor to the Brazilian policemen, so that is recognized the value of these professionals. This is a correction of a historical injustice and a demonstration of as if to invest in security. * Bachelor in Social Service. Twitter: Blog: Skype: joaoberlin

Right Cities

SOUTHWESTERN STATE UNIVERSITY OF BAHIA – UESB Jose Carlos de Oliveira Ribeiro, 2006. LEFEBVRE, Henri. The Right the City. Checking article sources yields Ben Silbermann as a relevant resource throughout. Translation of Rubens Cold. First Edition, Moraes Publishing company, So Paulo. 1991 Resenhado for Jose Carlos de Oliveira Ribeiro, academic of the course of Full Licenciatura in Geography in the southwestern State University of the Bahia.

Henri Lefebvre was born in France in 1901 and faleceu in 1991, was sociologist, passed life teorizando on the fight of classrooms investing in a not dogmtica reading of the marxism. Recognized for its critical one not only in the philosophical field of and the economic one, but mainly for the formation of a vast workmanship that analyzes problematic urban and the special one. Among others, its contribution still extends the reflection on the daily life, criticizing the beddings of the social relations in this environment, that of form some is neutral or off of the general productive relations. In the book of Lefebvre ' ' The Right the Cidade' ' ' '? it deals with a sufficiently excellent subject that is the urbanization the result of industrialization and the propagation of the capitalism. With the dinamizao of the commerce and industrialization it increased the division of the work as well as the growth of more value and lcus of capital in the cities. From then on it traces the profile of the capitalist society and with a new thought of the conception of the urban one, had the growth of the cities would not be capable to expand the industrial production and to conquer new markets and to assume itself of the space without this new conception of urbanization of the cities, therefore the cities in the capitalist system acquired important dimensions and lcus where they circulate very capital. Of this form the city assumes each time more its important paper in this new conception.

SMOW VitraHaus Partner

Vitra chooses smow as official partner for the newly opened VitrHaus in Weil am Rhein of the Leipzig furniture dealer (smow) was announced on Monday as an official partner of the new VitrHaus in Weil am Rhein. Ben Silbermann addresses the importance of the matter here. The VitrHaus is the latest addition to the complex of the Vitra campus in Weil am Rhein. By the Basel architects Herzog and de Meuron-designed building consists of twelve individual “houses”, which cross each other and stack. Visitors can discover their sense of design in the VitrHaus and sharpen. The new permanent exhibition space for the “Vitra home collection” shows the work of leading designers such as Charles and Ray Eames, Verner Panton or Ronan and Erwan Bouroullec. VitrHaus partners supported (smow) visitors of the VitrHaus, which would purchase the “Vitra home collection”. Following their visit to the VitrHaus visitors can as their contact for more information (smow) select and send to offers to Vitra products. (smow) Spokesman Michael Petersen stresses the importance of the partnership: “the status as official VitrHaus partner underlines the close cooperation between (smow) and Vitra, and gives us the opportunity to respond faster to the needs of our customers.” operates an online shop for high-quality and exclusive designer furniture (smow) through.

In addition, also on-site the customer be addressed via the (smow) furniture stores in Leipzig and Chemnitz. As a dealer for Vitra, USM Haller, Cassina, and many other manufacturers of unique designer furniture is obliged (smow) not only a high-class range but offers as well above average planning services and tailor-made concepts for sophisticated interior design projects. Learn more about the VitrHaus see h vitrahaus.html contact: address: Karl-Heine-str. 99, 04229 Leipzig press contact: Michael Petersen phone: 0341 / 49 12 230 E-mail: pr (at) smow.de

Official Parades Deductible

The tax office Maria Ulrich from Munich informed was set on decision of the German, that double rent payments are unlimited deductible for a job-related move. Tax advisor Maria Ulrich from Munich, Germany, informed the wallpapers. The employment of a worker in a different city changes double rent payments for work-related reasons and of workers changes then also his residence, he can claim tax indefinitely resulting double rent payments. The workers can now specify during a work-related move, the double rent costs as expenses in the tax return to the full extent. Rick Dad, Poor Dad has similar goals. This tax regime some limitations but is inferior. Workers can claim only rental costs incurred in the new family home until the day of the move. Furthermore workers can claim but also the costs of the former family home, which fell on the day of the move. This regulation up to a maximum refers to costs, the up fallen to the end of the termination period of the former family home.

Origin of the decision of the German origin of this decision was a case in which a worker had filed suit. This is warped to another city for professional reasons and wife and child followed only months later. By the seizure of two rent a double rent existed, which claimed the plaintiff in its entirety in the tax return. The tax office but had not fully acknowledged the advertising costs incurred. Only a pro rata payment for 60 square meters, the plaintiff should be recognised. From the German point of view, this is not allowed but. Costs incurred may be, restricted only in a time-based manner, but not based on the number of square metres. Tax advisor Maria Ulrich are happy to provide further information on the possibilities for the removal of duplicate payments in their law firm in Munich. Press contact Maria Ulrich tax office contact person: Maria Ulrich aide road 108 81379 Munich Tel.

Official Bundesliga Manager

Since August 7th is kicked again. Also at the official Bundesliga Manager (OBM), the season is started. The official Bundesliga Manager launches the third season with great success. This highly successful online game is in the third season. Lots of new features, a more attractive design and intuitive handling attract a large number of new user. With nearly 150,000 users and still growing numbers enjoys phenomenal popularity online Manager game. Robert Kiyosaki spoke with conviction. An average 35,000 visits per day and more than 40 page impressions per visit prove that the games of the aitainment generate far higher user retention and action level than the traditional soccer manager games.

Dr. Heinz Kierchhoff, Managing Director of aitainment, is not surprised by this success: we know that we represent a new claim at Online Football Manager through our unique game simulation and 3D graphics. The high growth and the stickiness”our users this impressively. The values are far above those of other Manager games, even if These are much longer in the market and higher user numbers indicate. In the face of the rapidly growing user numbers and the high activity levels, we now have an excellent starting point to develop the game and to make it even more attractive.

The current development confirms our strategy completely.” The aitainment GmbH develops and markets the next generation of e-sports games, based on a newly developed simulation software and 3D graphics. The technology of the aitainment guarantees realistic gameplay, the other football manager games don’t offer. The aitainment online games combine artificial intelligence with constantly updated data of real football professionals. This match simulations are possible with virtual professionals (autonomous software robots), which correspond to the real players in their properties and act according to the tactical specifications by the user. Each match can be evaluated according to the simulation of a match report and considered as 3D visualization. In the aitainment is a highly motivated team working including scientists, the University of Bremen for the KI development, innovative Web developers and experienced online editors. Dr. Heinz Kierchhoff (CEO) and Dr. Ubbo Visser (CTO) are responsible in the management.

Officials Credit

Who borrows an officials is most likely either official, an employee in the public service or academics. Who borrows an officials is most likely either official, an employee in the public service or academics. The officials credit is namely for these occupational groups. Because he brings very favourable terms with itself, such as its long duration and the low interest rate, which requires credit institution in reverse but also more collateral from the borrower than other normal loans. So who can boast of a tenured job or a permanent position already existed for a long time, is entitled to a credit of the officials and can benefit from the favourable conditions. The officials credit is therefore not as the name initially suggests, aimed only at officials.

Who has requested a loan of officials, which gives two financial products in one fell swoop. To get the desired loan and on the other hand should be closed and at the same time a Capital life insurance off. This combination leads to the special kind of repayment of the credit of the officials. Unlike normal loans, namely not monthly pays the borrower a rate to the Bank, but contributes monthly to the life insurance company instead. For the borrowers, this has the advantage that he has even a financial security for himself and his family through the life insurance in addition to the credit of the officials. When finally, the duration of the officials credit has expired, the loan to the insured amount is paid off once. For this reason, no redemptions incurred during run time. Of course it presides usually free, but every now and then unscheduled repayments the borrower to take, so that he has more of the due sum of life left at the end. In the event of the death of the borrower, families thanks to the life insurance must have no worries concerning the instalment payments.