Credit consulting : anàlisi de l'amortització anticipada de crèdits mitjançant el VAD

El projecte que he dut a terme és la implementació d'una pàgina web orientada a aquells usuaris que necessiten assessorament davant d'un crèdit bancari que ja posseeixen o que vulguin realitzar. Aquesta web financera té com a objectiu donar un cop de mà a tota aquella gent que té demanat un crèdit bancari a interès fixe i vol saber en un moment determinat si és convenient o no amortitzar anticipadament tenint en compte variables com: interès del mercat, penalització deguda a l'anticipació, la fiscalitat en el cas de les empreses, anys que queden per acabar de pagar el crèdit, sistema d'amortització financera utilitzat, etc.

Seeds of hope: Assessing the effect of development aid on the reduction of child mortality

The Millennium Declaration (2000) set as one of its targets a substantial reduction in child mortality. This paper studies whether the massive increase in development aid can account for part of the reduction in child mortality observed in developing countries since the year 2000. To do so, we analyze a panel of more than 130 developing countries over the 2000-2008 period. We use the time trend evolution of aid to identify an exogenous source of variation. Total aid has had no statistically significant effect on child mortality. However, a disaggregate analysis identifies certain sectors of aid that have had a significant impact. The effects have been larger in high mortality countries, including Sub-Saharan Africa. Projections based on our estimates strongly support the concern that most countries in that region will miss the Millennium Goals target on child mortality.

A future full of hope: Crosscare annual report 2003.

Crosscare (formerly known as the Catholic Social Service Conference CSSC) have been responding to the needs of people on the margins of society since 1941. Currently they employ close to 170 staff with an annual expenditure running towards €11 million. Their range of programmes is diverse and they reach into areas of high need.This resource was contributed by The National Documentation Centre on Drug Use.

The hope for an HIV vaccine based on induction of CD8+ T lymphocytes: a review

The only long-term and cost-effective solution to the human immunodeficiency virus (HIV) epidemic in the developing world is a vaccine that prevents individuals from becoming infected or, once infected, from passing the virus on to others. There is currently little hope for an AIDS vaccine. Conventional attempts to induce protective antibody and CD8+ lymphocyte responses against HIV and simian immunodeficiency virus (SIV) have failed. The enormous diversity of the virus has only recently been appreciated by vaccinologists, and our assays to determine CD8+ lymphocyte antiviral efficacy are inadequate. The central hypothesis of a CTL-based vaccine is that particularly effective CD8+ lymphocytes directed against at least five epitopes that are derived from regions under functional and structural constraints will control replication of pathogenic SIV. This would be somewhat analogous to control of virus replication by triple drug therapy or neutralizing antibodies.

Mermaid syndrome: virtually no hope for survival.

Sirenomelia, also called the mermaid syndrome is a severe malformation involving multiple organs and characterized by partially or completely developed lower extremities fused by the skin. The birth of a "mermaid" is very rare (1.2-4.2 cases for 100,000 births); most are stillborn, or die at or shortly after birth. The case of a living female neonate with dipodic simelia (fusion of well-developed legs) is presented. No prenatal diagnosis was made and the newborn had an uneventful neonatal course following Cesarean section delivery. The complex and striking malformation was obvious at birth and further evaluation revealed very poorly functioning kidneys, associated with abnormal anorectum, urogenital tract, and external genitalia, as well as a pelvic malformation. Supportive care was applied because of the poor prognosis and the child died at 7 weeks of age, due to renal failure.

Iowa Department of Commerce - Credit Union Division, Agency Performance Plan

Annual Report, Agency Performance Plan

Your Credit Rights

A brouchure by the Iowa Commission on the Status of Women

Credit Union Division Activities, March 2004, Issue 10

Newsletter for Iowa Credit Union Division

Credit Union Division Activities, September 2001, Issue 1

Newsletter for Iowa Credit Union Division

Credit Union Division Activities, January 2002, Issue 2

Newsletter for Iowa Credit Union Division

Credit Union Division Activities, April 2002, Issue 3

Newsletter for Iowa Credit Union Division

Credit Union Division Activities, November 2002, Issue 4

Newsletter for Iowa Credit Union Division

Credit Union Division Activities, January 2003, Issue 5

Newsletter for Iowa Credit Union Division

Credit Union Division Activities, April 2003, Issue 6

Newsletter for Iowa Credit Union Division