Deposit slip (panga) sissemakse kviitung Performance (töö) sooritus Punctuality ajaline täpsus Initial algne To set up asutama firmat Stockbroker börsimaakler Life savings elusäästud Embezzle ettevõtte raha omastama Reckless hooletu Identity theft identiteedi vargus Escapade julgustükk Profit kasum Take sb hostage kedagi pantvangi võtma Impersonate sb kehastama kedagi Assume a false identity kellegi identiteeti omastama Perpetrate kuritegu sooritama Handful käputäis Expand laiendama Paediatrician lastearst Eventually lõpuks, lõplikult Amass midagi palju koguma Defraud, swindle out petma rahaliselt Con artist pettur Scam petuskeem Raise money raha koguma Blow money on sth raha loopima Legitimate seaduslik Reject tagasi lükkama Root for toetama Confidence trick usalduse petmine, kuritarvitamine Against the odds vaatamata kõigile raskustele Forgery ...
2. Lending including, inter alia: consumer credit, mortgage credit, factoring, with or without recourse, financing of commercial transactions (including forfeiting) 3. Financial leasing 4. Money transmission services 5. Issuing and administering means of payment (e.g. credit cards, travellers' cheques and bankers' drafts) 6. Guarantees and commitments 7. Trading for own account or for account of customers in: a) money market instruments (cheques, bills, certificates of deposit, etc.); b) foreign exchange; c) financial futures and options; d) exchange and interest-rate instruments; or e) transferable securities. 4 8. Participation in securities issues and the provision of services related to such issues 9. Advice to undertakings on capital structure, industrial strategy and related questions and advice as well as services relating to mergers and the purchase of undertakings 10
This region is a gently rolling plain. It has best farmland, and richest coal deposits. The Southern Uplands rise gently south of the Central Lowlands. This is a region of rounded, rolling hills. 4.What are the possibilities of land use in Scotland? Tourism in the mountains, there you can ski and climb mountains. In the north there doesn't live much people, so there people raise sheep or go fishing. In the Central Lowlands, people earn living from farming and there is Scotland's richest coal deposit. In the Southern Uplands people graze sheep. 5.Describe the relief of England. England's terrain mostly comprises low hills and plains, especially in central and southern England. However, there are uplands in the north, for example there are the Pennines, which is a region of rounded uplands. West of the Pennines there is the Lake District where are quiet lakes and low mountains. Also there are uplands in the south west (for example, Dartmoor and the Cotswolds) 6
and for this purpose to draw, cash, discount, or otherwise deal with bills of exchange, checks, promissory notes, or other securities for payment or money; to receive, endorse and collect any and all checks payable to the order of the undersigned; to execute, in my name and on my behalf, all bonds, indemnities, applications, or other documents, which may be required by law or regulation to secure the issuance of substitutes for such checks, and to give full discharge for same; to deposit in the foregoing accounts of mine any and all monies which the Grantee shall receive, including all bills of exchange, drafts, checks, promissory notes, and other securities for money payable of belonging to me, and for that purpose, to sign on my behalf and endorse the same for deposit and collection, and from time to tome withdraw
Savings Account #2 0 Medical Debts 0 Savings Account #3 0 Past Due Utilities 0 Cert. Of Deposit #1 0 Past Due Rent 0 Cert. Of Deposit #2 0 Personal Loans 0 Money Market Acc't 0 Other 0
127 debtor võlgnik, deebitor 128 decade aastakümme 129 deduction hinnaalandus 130 deficit puudujääk, defitsiit 131 delivery tarne 132 demand nõudlus 133 demand schedule nõudluskõver 134 department allüksus 135 departure lahkumine 136 deposit hoius 137 deposit hoius 138 deposit interest rate hoiuse intress 139 depositor hoiustaja 140 depot ladu 141 development arendus, areng 142 dilapidation lagunemine, kulumine 143 direct sale otsemüük 144 director general peadirektor
Most adults have a bank account. The current account is for general expenses but some people also have a deposit account by which you can earn interest on your money. You can take money out of your bank account by using a cash card. When you use a credit card, you arrange to pay at later time. The main commercial bank offer bank loans for individuals or small businesses. Merchant bank deal with company finance on a larger scale. Banks also offer services such as mortgages, insurance, and buying and selling shares and foreign currency.
SÕNAD! täiteaine-aggregate Sideaine-binder Toornafta-crude oil Bituumen(põhja-A)- Bituumen mujal maailmas-bitumen Pressitud killustikkate-macadam Osake-particle Maardla-mineral deposit Puhastatud, rafineeritud jääk- a Regined residue Defineeri sõnad? Asphalt-“Asphalt” is a dark brown to black, highly viscous, hydrocarbon produced from petroleum distillation residue. This distillation can occur naturally, resulting in asphalt lakes, or occur in a petroleum refinery using crude oil. Slurry-Slurry seal involves a creation of mixture of asphalt emulsioon and fine crushed aggregate that is Spread on the surface of a road
Väärtus kõikus. 2) Üle 7300 panga 3) Ühe keskpanga asemel on riigis 12 föderaalreservi panka 4) Föderaalreservi ülesandeks on juhtida riigi raha pakkumist läbi rahapoliitika 5) USA investeerimisinstitutsioonid mõjutavad terve maailma majandust (Lehman Brothers) 6) Kindlustused ja pensionid on reguleeritud osariigi poolt. Allikate loetelu The economics of money, banking and finance : a European text; Peter Howells, Keith Bain; 2008. (104124) Federal Deposit Insurance Corporation koduleht: http://www.fdic.gov/ MoneyMatters101 : http://www.moneymatters101.com/money/usmoney.asp Lehman Brothers Holdings Inc.; NYTimes koduleht : http://topics.nytimes.com/top/news/business/companies/lehman_brothers_holdings_in
UNIT 5 National culture riigi kultuur, country culture Hierarchy-subordinates have to report to managers, one person is leader Subordinates- alluvad, persons who report to somebody Authority- right to make decisions and give orders Delegate- edasi andma, give authority to subordinates Initiative- omaalgatuslik, makes decisions without asking their manager Abroad- välismaal, in or to foreign country (2) A minefield-varitsevad ohud, a situation with hidden dangers A pitfall-hädaoht, a likely problem(7) A custom- tava, something done in a society because of tradition (1) Etiquette- etikett, formal rules for polite behaviour in society (3) Scheduled- plaaniline, arranged for a certain time To be a sign of- to show or represent (5) Offensive- solvav, rude or insulting (4) A compliment- something that expresses admiration Sensitive- able to understand others feelings (6) Impossible- võimatu ...
The most famous animals in Australia are marsupials. A marsupial is a mammal that has a pouch to carry its young. Some kangaroos can jump 30 feet. The koala sometimes stays in the same tree for days and is endangered. The Great Barrier Reef is also in Australia. It is made up of coral and algae. Coral are tiny invertebrate animals. The Great Barrier Reef is about 1250 miles long. There is a channel of water that separates the reef from the Queensland coast. It is the largest deposit of coral in the world. It is also the world's largest living structure. Australia's national sport is Cricket. Cricket is a little bit like baseball but it is played with eleven players and wickets. Australia won the Cricket World Cup in 1999 and 2003. Another favorite sport in Australia is Australian Rules Football. It is a little bit like soccer and rugby. Rugby and soccer are also extremely popular. Australia is also famous for the boomerang. The aborigines used the boomerang as a weapon
ACRE(aaker)- a unit of area used in certain English-speaking countries. ADVENTURE(seiklus) - an exciting or very unusual experience. ALIKE(ühtviisi) - in the same manner or form. APPRECIATE(tänulik) - to feel thankful or grateful for: to appreciate a favour. ARCHERY(vibulaskmine) - sport of shooting with bows and arrows ASPECT(aspekt) - appearance to the eye; visual effect ASPIRING( ambitsioon)- to rise to a great height ASSIGN(loovutada) - give out or allot AWARD-WINNING(auhinnatud) - BARGAIN - an agreement or contract establishing what each party will give. BOILING HOT (keev) -to an extreme extent BOTHERED ( tüütama) to give trouble to; annoy; pester; worry BREAK - to separate or become separated into two or more pieces BROADEN - to make or become broad or broader; widen BROCHURE -a pamphlet or leaflet. CABLE - a strong thick rope CANCEL - to revoke or annul CHALK (kriit) -white,soft... CHANGEABLE able to change or be changed; fickle ...
The calorific value is the amount of heat generated by a given fuel mass when it is completely burned and it is measured with a socalled bomb calorimeter. The higher or gross calorific value and lower or net calorific value (qgr and qnet ,respectively) can be found via the calorific value measured in the bomb calorimeter. Wood fuels Final products from wood How pellets are made http://www.youtube.com/watch?v=B4VP129rWcY Peat properties Peat is an organic deposit formed from the accumulation of decomposed remains of plants in the oxygenpoor environment of excess water. Peat consists mainly of partially decomposed remains of plants and humus. The most essential indices of peat are decomposition degree, moisture content, mineral (ash) content, density and calorific value. Although peat is of biological origin, it is not considered a renewable biofuel usually, but a slowly renewable fuel of biological origin.
UNIT 3 VOCABULARY eager innukas elegant elegantne acre - aaker (4046 m²) elk põder adventure seiklus embassy saatkond alike sarnaselt, ühtmoodi emergency erakorraline olukord, hädaseisund appreciate hindama, väärtustama enthusiastic entusiastlik, innukas archery vibusport establish asutama, rajama, sisse seadma aspect aspekt, külg, ilme, välimus exceptional erandlik, eriline aspiring edasipüüdlik facility abivahend, hõlpsus (-ies- tarbed) assign määrama fair õiglane (n.s.-na näitus) award-winning auhinnaline fall kosk bargain soodus ost familiar tuttav, harjumuspärane, familiaarne ...
In addition, excess PTH production, which occurs in kidney failure, prevents the body from maintaining healthy levels of phosphate. Why is it important to keep phosphate levels under control? Excess phosphate in your body can lead to blood vessel disease and bone damage. When the phosphate level in the blood is high, phosphate binds with calcium and clumps in blood vessels. The calcium-phosphate can stick to the lining of your blood vessels and deposit into your joints. Because calcium is bound to phosphate in clumps, the blood level of calcium goes down. This stimulates the parathyroid gland to produce more PTH, which releases calcium and phosphate from bones into the blood. Your blood vessels can become completely blocked due to the clumping of phosphate and calcium in the bloodstream. Moreover, your bones can become weak as PTH continuously releases calcium and phosphate from your bones
................................ passiva 131. Deductions .....................................................hinnaalandus; mahaarvamine 132. Defined ..........................................................määratletud 133. Deflation ........................................................deflatsioon 134. Deliver ...........................................................väljastama 135. Demand ..........................................................nõudlus 136. Demand deposit .............................................nõudehoius 137. Demand of labour ..........................................tööjõu nõudlus 138. Deposit - ...........................................................sissemakse 139. Depreciation ..................................................amortisatsioon 140. Derived demand .............................................tuletatud nõudlus 141. Devaluation ...................................................
The Boston Public Library is the largest municipal public library in the United States and was established in 1848. It was the first publicly supported municipal library in the United States and the first public library to allow people to borrow books and other materials. The Bodleian Library, the main research library of the University of Oxford, is one of the oldest libraries in Europe, and in England is second in size only to the British Library. It is one of five copyright deposit libraries in the United Kingdom. The British Library (BL) is the national library of the United Kingdom. It is based in London and Boston Spa and is one of the world's most significant research libraries, holding over 150 million items. The Library's collections include around 25 million books,[1] along with substantial additional collection of manuscripts and historical items dating back as far as 300 BC. As of March 2004 the Library held 11.2
Hispaania ehk kastiilia keel on üks laialdaseimalt räägitud Romaani keel. See on Hispaania ametlik riigikeel ning seda räägib emakeelena enamik elanikkonnast. Järgnev hispaania keele häälikusüsteemi ülevaade on tehtud artikli Martķnez-Celdrįn, Eugenio; Fernįndez-Planas, Ana Ma.; Carrera-Sabaté Josefina 2003. Castilian Spanish – Journal of the International Phonetic Association: Volume 33, 255–299 põhjal. Artiklis on vaatluse alla võetud formaalne hispaania keel, mida räägitakse haritud keskealiste inimeste poolt Kesk-Hispaanias. 1. Konsonandid Selle keele sulghäälikud on /p/, /b/, /t/, /d/, /k/ ja /g/. Foneemid /p/ ja /b/ on hääldatud bilabiaalselt ehk kahe huulega, /t/ ning /d/ on dentaalid ehk hammashäälikud ja /k/ ja /g/ velaarid, pehme suulae häälikud (/k/ häälduse alla läheb ka häälik /c/ näiteks sõnas ´kasa casa ‘maja’). Selles keeles on kolm nasaali ehk ninahäälikut: /m/, /n/ ja /ɲ/. Foneemid /m/ ja /n/ on hääldatud vastavalt...
Tallinna Teeninduskool Anna Popova Kodutöö 5 tärni hotellide võrdlus Õppeaine: Hotelli Majanduse Alused Õpetaja: Kris Leinatamm Tallinn 2013 Dubai Burj Al Arab Seda kirjeldatakse kui 7 tärni hotelli, kuna see on imeline koht igale maitsele. Hotell on ehitatud eraldi saarekesele, mis on maailma teine kõrguselt-321m, 60 korruse ja 202 magamistoaga. Ruumid asetsevad 2 korrusej ha on meeletult avarad. Selleks et broneerida endale tuba on sul vaja head reisiagenti, kuna läbi inretneti tee pole võimalik tuba broneerida Ultimate Rejuvenation Program Glowing Skin Programs Perfect Body Programs Eye-Lash Extensions Grooming for Hands and Feet Perfect Hands and Feet by La Ric Executive Manicure & Pedicure by La Ric Heavenly Hand And Foot Ritual by La Ric ...
On polling day each voter is given a ballot paper with the candidate names on it and they make a cross next to the person they vote for. The candidate with the most votes at the end of polling day becomes and MP for that constituency. Formal arrangement Government decides when to hold an election, and the law says that an election must take place in every five years, in reality it's a bit shorter time. After the date has been set, people who want to become candidates in some constituency must deposit 500 pounds with the Returning Officer. The money is gotten back if they get 5% of votes or more. Local associations pay the money for their candidates, but to become a candidate doesn't mean that you have to belong to a party. Eligible voting age is 18 and the person has to be on the electorial register. Nobody is obliged to vote. Polling day Elections take pace on Thursday and the day is not a holiday. Everybody goes to work and the stations are open for a long time so everybody can vote
2% riigi inimtööjõust kasutatakse metsamajanduses. saekaatrites, mööbli valmistaminel jms. Bangladeshis leidub mineraale nagu gneiss, graniit, kivisüsi, gaas, õli, turvas, valge savi, liivakivi, jne. Metalle (vasemaak, galeniit jms) leidub põhja-lääne Bangladeshis. Mineraalset liiva (rutiil, raudtitaanoksiid, magnetiit, monatsiit) leidub ranniku aladel. Kivimeid (liivakivi, kilt) leidub Dhakas, Faridpuris, Noakhalis, Sylhetis, Comillas ja Chittagongis. Type of Deposit Number Hardrock 1 Coal 1 Limestone 1 White clay 11 Glass sand 21 Gravel 77 Construction sand 337 Peamiselt eksporditi teed ja nahku. Tänaseks on riik oma eksporti laiendanud. Riigist
Panga bilansi struktuur Bilanss- raam.pid. aruanne, mis Hüpoteek on oma olemuselt reaalaktivatega tagatud ja maksepikendust 15-45 päevaks. Max. limiit 2kuu näitab panga varade koosseisu ja nende moodustamise regulaarseid sissemakseid nõudev veksel. Kindustatud sissetulek. allikaid. Panga bilansis sisaldub kapitali kahekordne pantkirjad on seotud väiksema avansilise sissemaksea, Pikaajalised laenud on kinnisvara laenud, eluaseme- analüüs. Omavahendid- aktsiakapital; aazio(aktsiate madalama intressi määraga, pikema laenu per.-ga. laenud. Eluaseme laenu kasut: 1)maja korteri ostm.; müügikasum); aruandeperioodi kasum/kahjum; eelmiste väiksem tulu, väiksem risk Võlausaldaja võib hoida 2)maa ostmiseks; 3)maja, korteri kap. remondiks; peri. kasum/kahjum; üldine pangandusreserv; ümber- pantkirj...
storing of large quantities of customer information. 6. encrypt the information private data is encrypt to a secret code and the information is no longer available to others MONEY-BUYING, SELLING AND PAYING 1. current account where you pay in your salary and the withdraw money and pay your every day bills. 2. bank statement regular notis on how mutch money you have on your account. 3. savings account it where you deposit any extra money that you have and only take money out when you really need it. 4. be in the red when you account is overdrawn, you can be said to be in red. You have money but you owe it to the bank 5. be in the black - To be in black- you have money left on your bank account. 6. bank loan when you loan money from bank 7. mortgage when bank loans you money to built a house,( building society) 8
profile clients. Part of Vernet's job is to keep the bank's name out of the press, and he hopes to diffuse the situation. When he enters the vault, he can't hide his surprise at seeing Sophie. He tells her that he was a good friend of her grandfather's. She shocks him with the news that her grandfather has been killed. He promises to smuggle them past the police, but Sophie and Langdon do not want to leave until they have opened the safe deposit box. While Vernet goes up to the lobby to try turn the police away, Sophie and Langdon remain in the vault and try to figure out the account number. Sophie looks over the numbers once more and decides that the account number must be the Fibonacci sequence. Inside is a small, heavy rosewood box with a rose inlaid on the top: the Priory's symbol for the Holy Grail. Vernet puts Sophie and Langdon in the back of an armored truck, changes into a driver's uniform, and hides a gun under his clothes
Because of these properties, clay is used for making pottery items, both practical and decorative, and construction products such as bricks, wall and floor tiles. Depending on the content of the soil, clay can appear in various colors, from a dull gray to a deep orange-red. Clay in Estonia (slide 6) There are 3 basic types of clay in Estonia. Firstly from Cambrian era the blue clay, which has blue-greenish color and deposit fields round 100m thick found in North-Estonia. Secondly from Devon era the Red-Brown colored clay mostly find in South-Estonia and finally the layered clay found on islands mainly. The quality of the layerd clay is poor beacause it is limestone-rich. There are aroud 30 filed mineral deposits in Estonia. What is a brick? (slide 7) A brick is a block or a single unit of a ceramic material used in masonry construction.
"It took a whole year," she said. "But we figured it out. There's always one non- dishwasher, you can count on it." Ms. Teo's solution? "She" -- the non-washer -- "pays for all the housecleaning supplies, and there is world peace," Ms. Teo said. "Also, she has lots of connections and she gets us into clubs where we get drinks for free." A week and a half ago, Ms. Hazard and Ms. Berger were still searching for roommates, and also for a house. They had put a deposit on one, but it was quickly returned, as their incomes didn't qualify them for the rent (a relief, since they hadn't been truly keen on the house). Then they considered another, which was big and beautiful and came with the all- important garden, but they eventually retreated from it because it was in a dodgy neighborhood. (Monday of last week, Ms. Berger woke up at 4 a.m. and began researching murder rates in the area. "There were 16 in the last year," she said glumly.)
symptoms, such as craving, anxiety, restlessness, headaches, irritability, hunger, difficulty with concentration, or just feeling awful. These symptoms are relieved by the next cigarette. Most smokers need to smoke regularly to feel normal and to prevent nicotine withdrawal symptoms. So once you start smoking it is very hard to quit. But why is smoking so harmful? Cigarettes have tar in them which contains many chemicals. These deposit in the lungs and can get into the blood vessels and are carried to other parts of the body. Cigarette smoke contains over 4,000 chemicals, including over 50 known carcinogens (causes of cancer) and other poisons. In addition to different kinds of cancer (mouth, nose, throat, larynx, gullet, pancreas, bladder, cervix, blood, and kidney) it also may cause heart diseases, rheumatoid arthritis, fasten your ageing and have impact on your fertility. There are also other conditions
“Your Fitness” Business Plan Prepared May 2012 Contact Information name email phone Your Fitness Business Plan Executive Summary “Your Fitness” it is envisaged, will be the third extension of “The Muscle Shop” company’s development strategy. Extensive research over the last two years has gleaned information to suggest this project would be successful project. The new gym will create a personalized environment for both females and males, for all fitness levels, to pursue their sporting, competition and personal fitness goals. A special focus will be paid by creating heavy weight lifting capabilities and equipment for professional body builders. This new gym facility will serve people in Dublin ……. area which include …………., …………… and …………... The area has a some sports and fitness clubs, however ,”Your Fitness” has the unique ability to cater to all the fitness level form, amateur to professional body bu...
Quasi raha Near money rahamass Money stock Panga reservid Bank reserves Kohustuslikud Required bank reserves pangareservid ülejääk excess bank reserves Tegelikud PR Actual bank reserves Kohustusliku reservi määr Required reserve ratio baasraha Monetary base Raha Money supply Deposiitide multiplikaator Deposit multiplier Raha multiplikaator Money multiplier Raha nõudlus Demand for money tehingumotiiv Transactions motive ettevaatusmotiiv Precautionary motive Spekulatiivne motiiv Speculative motive obligatsioon bond Reaalsed rahavarud Real money balances vahetusvõrrand Equatation of exchange Raha ringluskiirus Velosity of money Rahaturu tasakaal Money market equilibrium
regions (Articles 5). This change certainly makes it much harder for minor parties to gain or hold the official status of political party. A further reform, which increased the established parties' comparative advantage over their opponents concerned the requirements that are obliged to fill in order to participate in Duma elections (Lemaître 2006: 287). For the 2007 election, the number of signatures required was set at 200,000. Parties also had the opportunity to pay a deposit of 60 million rubles. Although party, which already had deputies in the Duma , was relieved from these demands. Following amendments to the law were made in 2009, when the number of required signatures was brought down to 150,000 (Article 8). Following these reforms, Russia's party system now definitely looks more similar to those in established democracies. New laws have significantly reduced the number of competing
but has an involvement 14. Natural justice - (tavaõigus) principles, procedures, or treatment felt instinctively to be morally right and fair 15. Award – (otsus) a decision after consideration; a judicial sentence; the decision of arbitrators on a matter submitted to them 16. Trade association - (ametiühing) an association of people or companies in a business or trade, organized to promote their common interests 17. Deposit - (tagatisraha) a sum payable as a first instalment on the purchase of something or as a pledge for a contract, the balance being payable later 18. Access to justice - (õiguskaitse kättesaadavus) formal ability to appear in court; a right to seek and obtain legal aid 19. Disputing parties - people, business entities, organisations, or states involved in a disagreement 20. Law enforcement – system by which some members of society act in an organized
petroleum occurs from hydrocarbon pyrolysis in a variety of mainly endothermic reactions at high temperature and/or pressure. There were certain warm nutrient-rich environments such as the Gulf of Mexico and the ancient Tethys Sea where the large amounts of organic material falling to the ocean floor exceeded the rate at which it could decompose. This resulted in large masses of organic material being buried under subsequent deposits such as shale formed from mud. This massive organic deposit later became heated and transformed under pressure into oil. Geologists often refer to the temperature range in which oil forms as an "oil window"below the minimum temperature oil remains trapped in the form of kerogen, and above the maximum temperature the oil is converted to natural gas through the process of thermal cracking. Sometimes, oil formed at extreme depths may migrate and become trapped at a much shallower level. The Athabasca Oil Sands are one example of this. Reservoirs
Raha ja panganduse korraldajate KT TEEMAD 1. Raha tekkimise eeldused ja vajadus. Raha on üldine maksevahend, mille vastu saab vahetada mistahes teisi kaupu propotsioonides, mille määravad raha ostujõud ja kaupade hinnad. Ehk raha on hüviste vastu vahetamiseks mõeldud üldtunnustatud ja korduvkasutatav vahend. Raha tekkis koos kauba tootmisega. Algselt olid rahaks standartsed kaubad. Raha tekkimise eeldus oli kaubavahetuse sünd ja areng. Ühtede hüviste (kaupade ja teenuste) ülejääk ja vajadus teiste järele tingis ühiskonnas vahetuse tekke. Vahetuse eeesmärk oli mitmekesistada tarbitavate hüviste valikut. Esialgu toimus vahetus kaup kauba vastu. Hüviste vahetuse mahu kasvades kasvas ka vahetusprotsessis osalejate arv. Kõik osalejad ei soovinud aga seda kaupa, mida konkreetsel vahetuspartneril pakkuda oli. Probleemiks sai sobiva vahetuspartneri leidmine. Nii oli tekkinud eeldus üldkasutatava vahendi kasutuselevõtuks, mida kõik vahetusprotse...
Raha ja pangandus Arvestustöö nr 1 MÕISTED 1. Finantssüsteem (financial system)( )- süsteem, mis koosneb finantsinstitutsioonidest ja finantstoodetest. Finantssüsteemi roll on teenindada reaalsektorit ja toetada viimase arengut. Finantssüsteem pakub reaalmajandusele investeerimisteenuseid, finantseerimisteenuseid, arveldusi ja riskijuhtimisteenuseid. Esmased finantssüsteemi alged on toiminud juba pikka aega. Näiteks krediiti anti põllumajandusele Mesopotaamias 3000 e.m.a. ja pangaalged eksisteerisid Egiptuses 200 e.m.a. Finantssüsteemi on tihtilugu mõistetud ka kui kasutut kõrvalnähtust mis ei loo ühiskonda täiendavat majanduslikku väärtust. Finantsüsteem pakub reaalmajandusele teenuseid, mis on eluliselt tähtsad majanduse pikaajaliseks kasvuks. 2. Finantsinstitutsioon (financial institution)( )- on finantsvahenduse vorm, mis määrab selle, ...
Keskkonnapoliitika EKSAMIKS Keskkonnapoliitika kujunemine, seosed teiste poliitikatega, poliitikaprotsess ja vahendid. Poliitika traditsiooniline poliitika. Halduspoliitika - ühe või mitme osapoole poolt ette võetud sihipäraste tegevuste kogum, mis on suunatud tõstatatud probleemi lahendamisele. Keskkond organismi mõjutavate a-biootiliste ja biootiliste tegurite kogum. A-biootilised tegurid: temperatuur, vesi, valgus. Biootilised: liigikaaslased, muud ümbritsevad elusorganismid . Eristatakse : Looduskeskkond, Tehis- / tehnoloogiline keskkond, Majanduskeskkond , Sotsiaalne keskkond. Keskkonnapoliitika - sihipärane tegevus või tegevusetus loodus- ja tehiskeskkonnaga seonduvate probleemide lahendamiseks. Keskkonnapoliitika valdkonnad - Rohelised: traditsiooniline looduskaitse, metsad kalandus, jne. Pruunid: vesi, jäätmed, kiirgus jne. Hallid: keskkonnakorralduslikud. Olulisim halduspoliitika valdkond - eluks sobiva keskkonna ki...
KESKKONNAÕIGUS Hannes Veinla Kliima soojenemine e. kasvuhooneefekt. Kiht gaasidest (süsihappegaas CO2, metaan CH4, dilämmastikoksiid N2O ja troposfääri osoon O3), mis laseb läbi Päikses soojust ja takistab selle tagasipöördumist kosmosesse. Probleemid sellest, et gaasid kontsentreeruvad liigselt ja hoiavad kinni liiga palju soojust. Osoonikihi hõrenemine e. osooniaugud Atmosfääri osa, mis sisaldab palju O3. Kõrguselt 10-50 km, peamine osa 20-26 km. Osoonikiht neelab peamise osa Päikses UV-kiirgusest. Hõrenemist põhjustavad CFC-gaasid (ChloreFluoroCarbons kloori-luori-süsinkuühendid) 1985 Viin konventsioon, 1987 Montreali protokoll, Eesti ühines 1996. Loodusvarade üleekspluateerimine 2002 Johannesburg ÜRO säästva arengu konverents. Keskkonnaprobleemid, vaesus, haigused, arenguabi, inimõigused. Riskid ex post hüvitamine ex ante ennetamine curative model tagajärgedele suunatud mudel preventive model vältimisele suunatud mude...
2. Lending including, inter alia: consumer credit, mortgage credit, factoring, with or without recourse, financing of commercial transactions (including forfeiting) 3. Financial leasing 4. Money transmission services 5. Issuing and administering means of payment (e.g. credit cards, travellers' cheques and bankers' drafts) 6. Guarantees and commitments 7. Trading for own account or for account of customers in: a) money market instruments (cheques, bills, certificates of deposit, etc.); b) foreign exchange; c) financial futures and options; d) exchange and interest-rate instruments; or e) transferable securities. 8. Participation in securities issues and the provision of services related to such issues 9. Advice to undertakings on capital structure, industrial strategy and related questions and advice as well as services relating to mergers and the purchase of undertakings 10. Money broking 11. Portfolio management and advice 12
Raha ja pangandus Eksamiks ettevalmistumise küsimused 1. Hoiuseid vastuvõtvad ja hoiuseid mitte-vastuvõtvad finantsvahendajad Finantsvahendaja -majandusüksus, mis vahendab kapitali säästjatelt investeerijatele I. Hoiuseid vastuvõtvad: Kommertspangad Investeerimispangad Teised spetsialiseeritud pangaliigid: kaubanduspangad, hüpoteekpangad, hoiupangad Ühistu-tüüpi finantsinstitutsioonid EESTI: pangad, ühistupangad, hoiu-laenuühistud II. Hoiuseid mitte-vastuvõtvad Kindlustusseltsid Liisingufirmad Faktooringufirmad Pensioni-ja investeerimisfondid Riskihajutamisfondid Fondivalitsejad Väärtpaberibörsid ja reguleerimata turud Investeerimisühingud Järelevalveasutused Reitinguagentuurid 2. Eesti finantsturuosalised (Finantsinspektsiooni kodulehekülg) Finantsinspektsioon teostab riiklikku järelevalvet Eestis tegevusloa alusel tegutsevate krediidiasutuste, kindlustusseltside, kindlustusvahendajate, investeerimisühingute, fondivalitsejate ja väär...
Raha ja pangandus Eksamiks ettevalmistumise küsimused 1. Hoiuseid vastuvõtvad ja hoiuseid mitte-vastuvõtvad finantsvahendajad Finantsvahendaja -majandusüksus, mis vahendab kapitali säästjatelt investeerijatele I. Hoiuseid vastuvõtvad: II. Hoiuseid mitte-vastuvõtvad Kommertspangad Kindlustusseltsid Investeerimispangad Liisingufirmad Teised spetsialiseeritud pangaliigid: Faktooringufirmad kaubanduspangad, Pensioni-ja investeerimisfondid hüpoteekpangad, Riskihajutamisfondid hoiupangad Fondivalitsejad Ühistu-tüüpi finantsinstitutsioonid Väärtpaberibörsid ja reguleerimata turud EESTI: pangad, ühistupangad, hoiu- Investeerimisühingud laenuühistud ...
11.02.09 INGLISE KEEL Palju aega läheb. 10 nädalat aint. One of the ESP courses. What we are going to do, what is needed: · What we do - 1 test, on words. · 2 Essays, that means that we have to look into academic writing · Homereading we read a case from European Court of Justice thingy. · Oral thing. · 90% you have to attend · Have to prepare for class and take part of it etc What we learn: Terms Expressions / collocations (nt obey/abide by the law) Explaining AWOL absence without a leave Legal English can be divided into 3 levels. We learn the first one, which is needed for the other two! You have to know the vocabulary etc. Second level has to do with legal contracts... The third level both 1 and 2 and explaining... We learn the vocabulary + explaining. Process of law-making draft law/bill (seaduseelnõu) is developed draft is sent to the parl...
According to the Georgian legisla- tion, the creditors must be informed of the liquidation. 23 CYAN MAGENTA YELLOW BLACK 23 Liquidation is carried out by the liquidator of the company. Specifically, the liquidator undertakes the sale of a company's assets and puts the received amount in the deposit account of court or notary. This amount is used to satisfy the debts owed by the company to the creditors. After all claims of creditors are satisfied, the remaining part of the assets shall be distributed among the partners. Once the liquidation of a company is completed, and upon the receipt of a respective notice, the Public Registry cancels the registration of the company and the company ceases to exist. Submis-
märglahendus-elektriväljatugevuse efektiivväärtused: Emärg = 200...260 kV/m 33. Isolaatorite valiku alused Isolaatorite valiku aluseks on saastlahenduspinge, mis peab olema suurem maksimaalsest rakenduvast pingest Um: , mille alusel määratakse kindlaks vajalik lekkeraja Ll eripikkus : Isolaatorite valiku aluseks ongi vajalik efektiivne lekkeraja eripikkus ef *) ESDD Equivalent Salt Deposit Density (ekvivalentne soolasaaste tihedus) · Väga puhtas piirkonnas võib ef < 16 mm/kV, kuid mitte alla 12 mm/kV · Väga saastatud piirkonnas võib ef = 31 mm/kV osutuda ebapiisavaks Isolaatori valikul leitakse vastav lekkeraja eripikkus ef tabelist. · Vajalik lekkerada: Ll = efUm · Ühe isolaatori lekkerada Li efUmi · Isolaatorite arv isolaatorketis 110 kV n = 7...9 330 kV n = 16...19 Parandustegur K · kui Dkeskm.= 300...500 mm, siis KD = 1,1 · kui Dkeskm.> 500 mm, siis KD = 1,2
descriptive law (kirjeldav õigus) - laws which simply describe how people or even natural phenomenas usually behave nation (riik) - country with its own goverment citizen (kodanik) - person native of a country; realationship between country and a person stranger (välismaalne) - person who is unfamiliar, from another country penalty (karistus) - punishment fixed by law, as for a crime or from any soical groups goverment (valitsus) - organization which controlls a stre or community System of Courts (kohtusüsteem) - organization applying law in the name of states to commit a crime (kuritegu läbi viima) - breaking a law, usually given out by the goverment fine (trahv) - certain sum of money person pays for breaking a law corruption (korruptsioon) - dishonest or unethincal conduct by a person entrusted with a position of authority suspension (kõrvaldamine) - form of punisment that people recieve for violating rules and regulations Civil Acti...
kahe aasta pärast liitintresside reegli kohaselt 103 0,001 24 1000 (1 1002 EURi, 12 Seega teenitud intress on vaid 2 EURi. Soodsam on kasutada tähtajalist hoiust (term deposit / time deposit). Tähtajalise hoiuse intressimäärad sõltuvad hoiuse tähtajast ja hoiustatavast summast. Pankade kodulehtedelt leiate tabelid, kus on ära toodud erineva suurusega ja erineva tähtajaga hoiuste intressimäärad. Näiteks Swedbanki andmed paiknevad aadressil https://www.swedbank.ee/private/investor/deposits/my/interests Näide 2.7.15. Kui suur on intress, kui hoiate tähtajalisel hoiusel 1000 EURi tähtajaga kaks
Article 48 The present Convention shall remain open for accession by any State. The instruments of accession shall be deposited with the Secretary-General of the United Nations. Article 49 1. The present Convention shall enter into force on the thirtieth day following the date of deposit with the Secretary-General of the United Nations of the twentieth instrument of ratification or accession. 2. For each State ratifying or acceding to the Convention after the deposit of the twentieth instrument of ratification or accession, the Convention shall enter into force on the thirtieth day after the deposit by such State of its instrument of ratification or accession. Article 50 64 1. Any State Party may propose an amendment and file it with the Secretary-General of the United Nations. The Secretary-General shall thereupon communicate the proposed
Then later the kings looked through the treaty and if he agreed then he signed it as well. Nowadays, serious treaties should be supported by the country therefore it should be ratified by the parliament or by referendum. Accession Could be a one-stage or two-stage procedure. If treaty is a serious one, then two stages are required: 1) signature, 2) ratification, accession etc. Exchange or deposit of instruments of ratification, acceptance, approval, accession Unless the treaty provides otherwise, instruments of ratification, acceptance, approval or accession establish the consent of a state to be bound by a treaty upon their exchange between the states, their deposit with the depositary or their notification to the states or the depositary if so agreed. In each case the international act so named whereby a state establishes on the international
Request for a preliminary ruling from the Helsingin hovioikeus Reference for a preliminary ruling - Articles 34 TFEU and 110 TFEU - Directive 94/62/EC - Articles 1(1), 7 and 15 - Distance selling and transport of alcoholic beverages from another Member State - Excise duty on certain beverage packaging - Exemption where packaging is integrated into a deposit and return system - Articles 34 TFEU, 36 TFEU and 37 TFEU - Requirement of a licence for the retail sale of alcoholic beverages - Monopoly on the retail sale of alcoholic beverages - Justification - Protection of health. Case C-198/14 (http://curia.europa.eu/juris/liste.jsf?language=en&num=C-198/14) 1. Judgment of the Court (Tenth Chamber) of 12 February 2015 Minister Finansów v Oil Trading Poland sp. z.o.o.
77. Post Office and Bank post office el correo bank el banco envelope el sobre (traveler's) check el cheque (de viajero) mailbox el buzón to cash (a check) cobrar mail carrier el cartero to save (money) ahorrar stamps las estampillas to deposit depositar package el paquete account la cuenta 48 78. Conditional Tense The conditional tense expresses an idea dependent on a condition that is either expressed or understood. It can also refer to the past when it expresses probability. To form the present conditional, add these endings to the infinitive for all three types of verbs. Verbs
will be used near the coal mine, it can be moved by trucks and conveyors. Coal can also be crushed, mixed with water, and sent through a "slurry" pipeline. Sometimes, coal-fired electric power plants are built near coal mines to lower transportation costs. 15.3 Types of coal Coal is classified into four main types, or ranks (lignite, subbituminous, bituminous, anthracite), depending on the amounts and types of carbon it contains and on the amount of heat energy it can produce. The rank of a deposit of coal depends on the pressure and heat acting on the plant debris as it sank deeper and deeper over millions of years. For the most part, the higher ranks of coal contain more heat-producing energy. Lignite is the lowest rank of coal with the lowest energy content. Lignite coal deposits tend to be relatively young coal deposits that were not subjected to extreme heat or pressure. Lignite is crumbly and has high moisture content. There are 20 lignite mines in
Under10 of feast o r famine or bad timing Lowest average annual precip itation: 4" (10.3 em) West erly winds off of the Perth... Tasm an Sea deposit precipita ~. Adelaide · Sydney n on o n th e mo un tain ra nges of New Zealand , often in th e form
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