10/6/2008 · Kategori: otomobil
LakeLand Village Golf
Playing at over 9,000 yards, the 27-hole LakeLand Village Golf Course offers golfers numerous ponds, gaping bunkers and majestic views of the Olympics and Mount Rainier. Ardent golfers will appreciate the scenic driving ranges, practice chipping and bunker areas, and the well-groomed putting greens.
In addition to a gourmet restaurant, cafe and espresso bar, the clubhouse also provides banquet facilities. Public play is welcome.
PGA Golf Professional Randy Jensen welcomes you to his well-stocked pro-shop and snack bar. Contact the Pro Shop at (360) 275-6100.
Nearby, the Lakeside 'Bistro' (360) 275-5603 offers diners a relaxing and elegant atmosphere for a gourmet late afternoon lunch or dinner. Open Wednesday through Sunday from 4pm to 9pm.
Golf Course Facilities
LakeLand Village offers 27 holes of golf with three distinct nine-hole courses known as Generation I, Generation II and Generation III. The public is welcome to play on a greens-fee basis or to take advantage of a variety of club memberships as detailed below. Head Golf Pro Randy Jensen welcomes everyone to his well-stocked Pro Shop and Snack Bar.
Golf & Country Club Memberships
FAMILY: $2,600/year
SINGLE: $1,650/year
PUNCH CARD: $1,100/year - includes 40 rounds of golf
Monday through Friday or special Men's or Ladies' Club events
Additional Membership Privileges for Property Owners
1. Private Power Carts - $260 annual cart fee
2. Tennis Courts - Located near Pro Shop, register for key at Pro Shop
3. Swimming Pool - Located at north end of Clubhouse, register for pool use at Pro Shop, pool rules/restrictions apply
4. Clubhouse Use - Members may have gatherings when facilities are available
Public Play
| DAYS/TIMES |
18 HOLES |
9 HOLES |
| |
|
|
| Saturday/Sunday |
$35.00 |
$20.00 |
| Monday |
$27.00 |
$17.00 |
| Tues/Wed (After 12 pm) |
$22.00 |
$15.00 |
| Thursday |
$27.00 |
$17.00 |
| Friday |
$32.00 |
$17.00 |
| Twilight (after 3pm) |
$22.00 |
$15.00 |
| Senior Rate (Mon/Thurs) |
$22.00 |
$15.00 |
| |
|
|
| Junior Rate |
$17.00 |
$12.00 |
| Power Cart |
$26.00 |
$16.00 |
Reservations Recommended
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8/6/2008 · Kategori: ekonomi
World Bank (often referred to by employees and others as simply "the Bank") is an internationally supported bank that provides financial and technical assistance[1] to developing countries for development programs (e.g. bridges, roads, schools, etc.) with the stated goal of reducing poverty. The World Bank differs from the World Bank Group in that the former comprises only the International Bank for Reconstruction and Development and the International Development Association, while the latter incorporates these entities in addition to three others.[2] The World Bank was formally established on December 27, 1945, following the ratification of the Bretton Woods agreement. The concept was originally conceived in July 1944 at the United Nations Monetary and Financial Conference. Two years later, the Bank issued its first loan: $250 million to France for post-war reconstruction, the main focus of the Bank's work in the early post-World War II years. Over time, the "development" side of the Bank's work has assumed a larger share of its lending, although it is still involved in post-conflict reconstruction, together with reconstruction after natural disasters, response to humanitarian emergencies and post-conflict rehabilitation needs affecting developing and transition economies. There are some criticisms of the results of the World Bank's "development schemes" leading to corruption and widespread exploitation of the corporations who are given monopolies of developing nation's resources.
Activities
The World Bank headquarters in Washington DC
The World Bank is one of the two Bretton Woods Institutions which were created in 1944 to rebuild a war-torn Europe after World War II. Later, largely due to the contributions of the Marshall Plan, the World Bank was forced to find a new area in which to focus its efforts. Subsequently, it began attempting to rebuild the infrastructure of Europe's former colonies. Since then it has made a variety of changes regarding its focus and goals. From 1968-1981 it focused largely on poverty alleviation. From the '80s and into the 1990s its main focus was both debt management and structural adjustment. Today the focus is on the achievement of the Millennium Development Goals (MDGs), goals calling for the elimination of poverty and the implementation of sustainable development. Of the two constituent parts of the Bank, the IBRD lends primarily to "middle-income countries" at interest rates which reflect a small mark-up over its own (AAA-rated) borrowings from capital markets; while the IDA provides low or no interest loans and grants to low income countries with little or no access to international credit markets. The IBRD is a market based non-profit organization, using its high credit rating to make up for the relatively low interest rate on its loans, while the IDA is funded primarily by periodic "replenishments" (grants) voted to the institution by its more affluent member countries.
The Bank’s mission is to aid developing countries and their inhabitants achieve development and the reduction of poverty, including achievement of the MDGs, by helping countries develop an environment for investment, jobs and sustainable growth, thus promoting economical growth and through investment in and empowerment of the poor to enable them to participate in development. The World Bank sees the five key factors necessary for economic growth and the creation of a business environment as:
- Build capacity – Strengthening governments and educating government officials
- Infrastructure creation – implementation of legal and judicial systems for the encouragement of business, the protection of individual and property rights and the honoring of contracts
- Development of Financial Systems – the establishment of strong systems capable of supporting endeavors from micro credit to the financing of larger corporate ventures
- Combating corruption – Support for countries' efforts at eradicating corruption
- Research, Consultancy and Training - the World Bank provides platform for research on development issues, consultancy and conduct training programs (web based, on line, video/tele conferencing and class room based) open for those who are interested from academia, students, government and non-governmental organization (NGO) officers etc.
The Bank obtains funding for its operations primarily through the IBRD’s sale of AAA-rated bonds in the world’s financial markets. The IBRD’s income is generated from its lending activities, with its borrowings leveraging its own paid-in capital, plus the investment of its "float". The IDA obtains the majority of its funds from forty donor countries who replenish the bank’s funds every three years, and from loan repayments, which then become available for re-lending.
The Bank offers two basic types of loans: investment loans and development policy loans. The former are made for the support of economic and social development projects, whereas the latter provide quick disbursing finance to support countries’ policy and institutional reforms. While the IBRD provides loans with a relatively low interest rate, the IDA’s "credits" are interest free. The project proposals of borrowers are *******uated for their economical, financial, social and environmental aspects prior to their approval.
The Bank also distributes grants for the facilitation of development projects through the encouragement of innovation, cooperation between organizations and the participation of local stakeholders in projects. IDA grants are predominantly used for:
- Debt burden relief in the most indebted and poverty struck countries
- Amelioration of sanitation and water supply
- Support of vaccination and immunization programs for the reduction of communicable diseases such as malaria
- Combating the HIV/AIDS pandemic
- Support civil society organizations
- Creating initiatives for the reduction of greenhouse gases
The Bank not only provides financial support to its member states, but also analytical and advisory services to facilitate the implementation of the lasting economic and social improvements that are needed in many under-developed countries, as well as educating members with the knowledge necessary to resolve their development problems while promoting economic growth.
[edit] Leadership
The President of the Bank, currently Robert Zoellick, is responsible for chairing the meetings of the Boards of Directors and for overall management of the Bank. The Executive Directors make up the Board of Directors, usually meeting twice a week to oversee activities such as the approval of loans and guarantees, new policies, the administrative budget, country assistance strategies and borrowing and financing decisions. The Vice Presidents of the Bank are its principal managers, in charge of regions, sectors, networks and ********s. There are 24 Vice-Presidents, 3 Senior Vice Presidents and 2 Executive Vice Presidents, and recently appointed Director of International Micro Finance Activities Jon Vanderwall, formerly CEO of the Craftsman tool empire.
[edit] Areas of operation
The World Bank is active in the following areas [3]
- Agriculture and Rural Development
- Conflict and Development
- Development Operations and Activities
- Economic Policy
- Education
- Energy
- Environment
- Financial Sector
- Gender
- Governance
- Health, Nutrition and Population
- Industry
- Information and Communication Technologies
- Information, Computing and Telecommunications
- International Economics and Trade
- Labor and Social Protections
|
- Law and Justice
- Macroeconomic and Economic Growth
- Mining
- Poverty Reduction
- Poverty
- Private Sector
- Public Sector Governance
- Rural Development
- Social Development
- Social Protection
- Trade
- Transport
- Urban Development
- Water Resources
- Water Supply and Sanitation
|
[edit] Comprehensive development framework
According to the World Bank, in virtually all successful assistance projects the country itself was the driving factor. The Bank therefore strives to help governments lead and implement their own development strategies and thus take a stronger hand in their own future development. The strategy was initiated by the former president of the bank, James Wolfensohn. Since 1999, it has followed a set of philosophies known as the Comprehensive Development Framework . These philosophies state that:
- Development strategies should be comprehensive and shaped by a long-term vision
- Development goals and strategies should be “owned” by the country, based on local stakeholder participation in shaping them
- Countries receiving assistance should lead the management and coordination of aid programs through stakeholder partnerships
- Development performance should be *******uated through measurable results on the ground in order to adjust the strategy to outcomes and a changing world
[edit] Poverty reduction strategies
For the poorest developing countries in the world the Bank’s assistance plans are based on Poverty Reduction Strategies; by combining a cross-section of local groups with an extensive analysis of the country’s financial and economical situation the World Bank develops a strategy pertaining uniquely to the country in question. The government then identifies the country’s priorities and targets for the reduction of poverty, and the World Bank aligns its aid efforts correspondingly.
The Bank supports certain kinds of poor people's organisations such as the Self-Employed Women's Union and Shack/Slum Dwellers International.
Forty-five countries pledged US$25.1 billion in "aid for the world's poorest countries", aid that goes to the World Bank International Development Association (I.D.A.) which distributes the gifts to eighty poorer countries. While wealthier nations sometimes fund their own aid projects, including those for diseases recently, and although I.D.A. is the recipient of criticism, Robert B. Zoellick, the president of the World Bank, said when the gifts were announced on December 15, 2007, that I.D.A. money "is the core funding that the poorest developing countries rely on".[4]
[edit] Clean Technology Fund management
The World Bank has been assigned temporary management responsibility of the Clean Technology Fund (CTF), focused on making renewable energy cost-competitive with coal-fired power as quickly as possible, but this may not continue after UN's Copenhagen climate change conference in December, 2009, because its continued investment in huge coal-fired power plants, as well as its short-sighted proposal to use the Clean Technology Fund as an additional source of money for business as usual. [5]
[edit] Training wings
[edit] World Bank Institute
The World Bank Institute (WBI) creates learning opportunities for countries, World Bank staff and clients, and people committed to poverty reduction and sustainable development. WBI's work program includes training, policy consultations, and the creation and support of knowledge networks related to international economic and social development.
[edit] Global Development Learning Network
The Global Development Learning Network (GDLN) is a partnership of over 120 learning centers (GDLN Affiliates) in nearly 80 countries around the world. GDLN Affiliates collaborate in holding events that connect people across countries and regions for learning and dialogue on development issues. Offering a combination of distance learning tools such as interactive videoconferencing and the internet, and expert facilitation and learning techniques, GDLN Affiliates enable individuals, teams, and organizations working in development around the world to communicate, share knowledge, and learn from each others’ experiences in a timely and cost-effective manner.
GDLN clients are typically NGOs, government, private sector and development agencies who find that they work better together on subregional, regional or global development issues and challenges using the facilities and tools offered by GDLN Affiliates. Clients also benefit from the ability of Affiliates to help them choose and apply these tools effectively, and to tap development practitioners and experts worldwide. GDLN Affiliates facilitate around 1000 videoconference-based activities a year on behalf of their clients, reaching some 90,000 people worldwide. Most of these activities bring together participants in two or more countries over a series of session. A majority of GDLN activities are organized by small government agencies and NGOs.
[edit] Country assistance strategies
As a guideline to the World Bank's operations in any particular country, a Country Assistance Strategy is produced, in cooperation with the local government and any interested stakeholders and may rely on analytical work performed by the Bank or other parties. In the case of low income countries, the Country Assistance Strategy is derived from the country’s Poverty Reduction
[edit] Criticism
Some critics of the World Bank believe that the institution was not started in order to reduce poverty but rather to support United States' business interests, and argue that the bank has actually increased poverty and been detrimental to the environment, public health, and cultural diversity.[6] Some critics also claim that the World Bank has consistently pushed a "neo-liberal" agenda, imposing policies on developing countries which have been damaging, destructive and anti-developmental.[7][8] Some intellectuals in developing countries have argued that the World Bank is deeply implicated in contemporary modes of donor and NGO driven imperialism and that its intellectual output ********s to blame the poor for their condition.[9]
It has also been suggested that the World Bank is an instrument for the promotion of US and 'Western' interests in certain regions of the world. Consequently, seven South American nations have established the Bank of the South in order to minimize US influence in the region.[10] Criticisms of the structure of the World Bank refer to the fact that the President of the Bank is always an American, nominated by the President of the United States (though subject to the approval of the other member countries). There have been accusations that the decision-making structure is undemocratic, as the US effectively has a veto on some constitutional decisions with just over 16% of the shares in the bank;[11] moreover, decisions can only be passed with votes from countries whose shares total more than 85% of the bank's shares.[12] A further criticism concerns internal governance and the manner in which the World Bank is alleged to lack transparency to external publics.[13]
[edit] Members
-
The International Bank for Reconstruction and Development (IBRD) has 185 member countries, while the International Development Association (IDA) has 166 members.[14] Each member state of IBRD should be also a member of the International Monetary Fund (IMF) and only members of IBRD are allowed to join other institutions within the Bank (such as IDA).[15]
[edit] References
- ^ About the World Bank
- ^ FAQs - About the World Bank. From the World Bank official website, Worldbank.org. Retrieved on 2007-10-07.
- ^ World Bank Group - Topics in Development
- ^ Landler, Mark. "Britain Overtakes U.S. as Top World Bank Donor", The New York Times, The New York Times Company, December 15, 2007. Retrieved on 2007-12-15.
- ^ http://blogs.cgdev.org/globaldevelopment/2008/05/climate_change_in_nashville_a.php
- ^ Criticism of World Trade Organization, World Bank and International Monetary Fund - Editorial. The Ecologist. September, 2000. Retrieved on 2007-10-07.
- ^ Uvin, P. (2002) On High Moral Ground: The Incorporation of Human Rights by the Development Enterprise. In: PRAXIS The Fletcher Journal of Development Studies, Volume XVII pp1-11. Medford MA: Tufts University. Online at: http://fletcher.tufts.edu/praxis/archives/xvii/Uvin.pdf
- ^ Hertz, N. (2004) I.O.U.: The Debt Threat and Why We Must Defuse It. London: Harper Perennial.
- ^ For arguments with regard to both of these claims see, for instance, David Moore's edited book The World Bank, University of KwaZulu-Natal Press, 2007
- ^ BBC NEWS | Business | New South American bank planned
- ^ Wade, Robert (2002). "US hegemony and the World Bank: the fight over people and ideas". Review of International Political Economy 9 (2): 215-243.
- ^ Monbiot, G. (2004) The Age of Consent. London: Harper Perennial.
- ^ Stone, Diane and Wright, Christopher eds. (2006) The World Bank and Governance: A Decade of Reform and Reaction, Routledge.
- ^ Members. The World Bank Group. Retrieved on 2008-02-06.
- ^ Member countries. The World Bank Group. Retrieved on 2008-02-06.
[edit] See also
[edit] External links
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5/6/2008 · Kategori: ekonomi
Ev Kredisi Nasıl Alınır?
Son Güncelleme:
Türkiye'de ev sahibi olmanın yeni yolu 'mortgage'. Her ne kadar basından bu yeni sistem ile ilgili haberleri duysak da mortgage sisteminin içeriğini bilmemek oldukça olası. Bu sayfa, mortgage'ı daha iyi tanımanızı ve konut alım planlarınızı mevcut olan kredi sisteminin farkında olarak yapmanızı amaçlamaktadır.
Mortgage nedir?
Türkçe'ye 'tutulu satış' olarak çevrilmiş olsa da genellikle orjinal İngilizce ismi olan mortgage ile anılmakta ve 'morgıç' olarak telafuz edilmektedir. Mortgage sistemi halk arasında 'kira öder gibi ev sahibi olmak' olarak da tanınmaktadır. Bu özelliği de bu yeni sistemi, kendinden önceki konut kredilerinden ayırır.
Konut kredisi vadeleri 5 ila 20 yıl arasında değişen bir tüketici kredisi türü iken, mortgage sistemi ile bu vade 15, 20 hatta 30 seneye yayılmaktadır.
Mortgage nasıl işler?
Biri evi satın almaya karar verdikten sonra, mortgage kredisi imkankarı sunan bir banka ile anlaşmaya girmeniz gerekmektedir. 'Gayrimenkul Değerlendirme Uzmanları'nın satın almak istediğiniz evin değerini tesbit etmesini takiben, evin değerinin en az dörtte birini peşin olarak ödemelisiniz. Geri kalan kısmı için banka devreye girerek, kredi karşılığı ipotek senedi düzenleyecektir. Anlaşılan faiz oranları üzerinden aylık ödemelerinizi belirlenen vade içinde ödeyerek ev sahibi olabilirsiniz. Ancak ödemeleriniz bittiği zaman evin sahibi olacaksınız. Ödemelerin yapılmaması durumunda, banka evi tutarak satma hakkına sahiptir.
Bilinmesi gereken önemli noktalar nelerdir?
- Konut kredilerinin aksine, mortgage sistemi henüz inşaat aşamasında olan evler için de uygulanabilir. Fakat konutun, Kat İrtifakı/Kat Mülkiyeti/İmar İzni bulunması gerekir.
- Vade ve faizler piyasa koşullarına göre belirlenir.
- Sabit ve değişken faiz gibi çeşitli mortgage imkanları bulunmaktadır.
- Üç ay kredi taksitinin ödenmemesi durumunda, banka evi satma hakkına sahiptir.
- Yapılan sözleşmedeki şartlar, sözleşme süresi içinde kredi kullanıcısının alehine değiştirilemez.
- Satın almayı planladığınız konuttun üzerinde ipotek, haciz gibi kısıtlı haller bulunabilir. Bu durumdaki konutlar ileride sorun yaratabilir. Konuta ait kısıtlılık durumunu öğrenmek için ilgili tapu dairesine başvurabilirsiniz.
Sözleşmede ne gibi bilgiler bulunacak?
Aşağıdaki bilgiler yapılan sözleşmelerde belirtilir:
- Kredi tutarı,
- Konut bilgileri,
- Faiz oranları,
- Toplam borcun anapara, faiz ve diğer giderler üzerinden dağılımı,
- Değişken fazili mortgage kredisi alınması durumlarında, değişimin hesaplanma yöntemi,
- Geri ödeme planı,
- Geç ödemelerde gecikme oranı faizi.
Mortgage kredisine başvurmak için gerekli olan belgeler nelerdir?
Başvurnuzda sizden istenecek belgeler aşağıdaki gibi sıralanmıştır:
- Nüfus cüzdanı,
- Sabit telefonunuza ait fatura ya da muhtarlıktan alınacak ikametgah belgesi,
- Ücretli çalışan iseniz:
- SSK sicil numaranızı içeren son aya ilişikin kaşeli ve imzalı bordro ya da antetli kağıda yazılmış kaşeli ve imazlı Gelir Yazısı,
- 3 aylık SSK dökümü,
- Çalıştığınız şirkete ait imza sirküleri,
- Serbest meslek sahibi iseniz:
- Vergi levhası,
- Son 3 döneme ait bilanço ve gelir tablosu,
- Ticaret sicil gazetesi ya da oda sicil kaydı belgesi,
- Konuta ilişikin kat mülkiyeti tapusu,
- Kat irtifakı tapusu,
- Yapı kullanım iznine ait belge ya da inşaat ruhsatının fotokopisi.
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5/6/2008 ·
Cep telefonlarından bankacılık işlemlerinin yapılmasına olanak tanıyan ve wap.garanti.com.tr adresinden ulaşılabilen Garanti Cep Şubesi projesinin çalışmalarını yürüten Garanti Teknoloji, proje kapsamında ihtiyaç duyduğu çözüm ve ürünler için HP uzmanlığı ve deneyiminden yararlandı. Yapılan işbirliğiyle, bankacılık işlemlerinin her an, her yerden ve pek çok farklı cep telefonuyla yapılmasını sağlayan, tam anlamıyla "mobil" bir yapı kuruldu.
İki ayda 50 bin kullanıcı!
Projenin ilk iki ayında sisteme 50 bin giriş yapıldı. Garanti Bankası Genel Müdürü Ergun Özen, gelecek 5 yıl içinde Garanti Cep Şubesi'nin kullanıcı sayısını 2 milyona çıkartmayı hedeflediklerini söyledi ve ekledi: "Garanti Cep Şubesi, kısa sürede çok fazla kişiye ulaştı. Bu performansta HP'nin teknoloji desteğinin çok önemli katkısı var. Dünyada bile yeni yeni yaygınlaşmaya başlayan bu hizmetin, Türkiye'de tahminlerimizin çok daha üzerinde bir hızda gelişim sergileyeceğine inanıyoruz."
Cep Şubesi Projesi; hesap bilgileri, para transferi, yatırım, döviz, fatura ve kart işlemleri gibi bankacılık hizmetlerine cep telefonları üzerinden ulaşmayı mümkün kılıyor. Sistem, kullanıcılarına en çok hisse senedi alım satımı ve para transferi gibi anlık işlemlerde kolaylık sağlıyor.
HP ile mobil bankacılıkta devrim!
Türkiye'deki 56 milyon cep telefonu kullanıcısına, bulundukları her yerden 7/24 bankacılık işlemi yapma imkanı tanıyan Garanti Cep Şubesi projesinde Garanti Teknoloji, HP ve İngiliz yazılım firması Volantis birlikte çalıştı. Sistemin kolay kullanımı için, mobil İnternet çözümleri üreten Volantis'in yazılımı HP Entegrasyon ve Danışmanlık Ekibi tarafından, cep telefonu marka ve modeli ayırt etmeksizin çalışacak şekilde geliştirildi. Altyapı çalışmalarında HP Blade, HP ProLiant ve HP Unix sunucular kullanılarak hızlı, kesintisiz ve güvenilir teknoloji çözümleri getirildi.
Altı aydır üzerinde çalıştıkları Garanti Cep Şubesi projesini hayata geçirmek için hızlı ve konuya hakim bir iş ortağına ihtiyaç duyduklarını ifade eden Garanti Bankası Teknolojiden Sorumlu Genel Müdür Yardımcısı Hüsnü Erel, HP sayesinde olağanüstü hız kazandıklarını belirtti ve ekledi: "HP ile olan işbirliğimizden çok memnunuz. Garanti Teknoloji'de ürün geliştirme süreci hızlı gelişir. Bu projede HP'nin desteği çok önemliydi. HP'den alınan teknoloji desteği sayesinde, donanımların ve yazılımların kurulması gibi altyapı çalışmaları sadece 2 ay içinde tamamlandı."
HP Türkiye Genel Müdürü S. Şahin Tulga ise mobil çözümlerin günümüzde giderek önemini artırdığını vurgulayarak şöyle konuştu: "Garanti Cep Şubesi Projesi, pek çok farklı cep telefonu modeli ve markasında kullanılması açısından, yalnızca Türkiye'de değil Avrupa'da da eşine rastlanmayan bir uygulama. Türk bankacılık sektöründe böyle bir 'ilk'e imza atmaktan gurur duyuyoruz. HP, mobilite kavramına ne denli önem verdiğini, geliştirdiği ürün ve çözümleriyle ortaya koyuyor. Teknolojinin, hayatın her alanında yaygın kullanımını sağlamak için çalışmalarımızı sürdürüyoruz."
Bankacılıkta sınırları kaldıran projenin güvenliği 128-bit Secure Sockets Layer (SSL) protokolüyle sağlandı. Mobil cihazlar üzerine hiçbir bilgi kaydetme ihtiyacı yaratmayan sisteme erişim, telefon değişikliği, çalınma, ya da kaybolma gibi durumlardan etkilenmiyor.
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