Although Henry Luce called the 20th Century the American Century back in the '40s, my dilettantish recollection of history places the actual ascension to world power at around 1865, when Prussian military observers realised that the North's industrial military strategy had geo-political implications. America has certainly had a good run, but a lot of writers and commentators have called an end to it. There's even a neo-conservative movement for a new American century, although it seems clear they have absolutely no idea what made America predominant to date. Sigh.
At any rate, this post is about who will own the next century. And by own, I mean be the iconic image, the driving force, the society that will shape events to meet its own goals, the dominant power.
There are almost 300 countries on the modern map, so to pursue this topic it is helpful to exclude societies that, for one reason or another, have disqualified themselves from playing the game, so we can then focus on the remaining societies. So, for demographic reasons we start off by eliminating countries that are too small to actually dominate, such as Norway (which seems a pity--they're doing so much so well), but also Russia and Japan. Countries with declining populations will not dominate this century (perhaps the following one). I think realistically we end up with a list of usual suspects plus the BRICs. I think China will self-exclude due to a severe implosion, probably not too far in the future (in fact, it will be within the 5-year horizon of this weblog and I'll discuss it in another post), and we just tossed Russia for the unforgiveable sin of being in decline during a discussion of ascension. So, on the back of my envelope are the following countries:
- France
- Brazil
- India
- UK
- USA
I include France and the UK because, in addition to being powerful developed economies, they also have relationships stemming from prior empires that could theoretically be useful should they decide to get back in the game and strive for dominance. In fact, it would not be too difficult to convince me that France never left the game, but has been keeping a low profile while it rebuilt after the two world wars.
I will exclude India for reasons to do with geography and demographic composition--being surrounded by Pakistan, China, Bangladesh, having regional conflicts and disparities within the country, these will prove too much of a challenge for India. In addition, like China, they are growing their education and research capabilities only at the same pace as domestic GDP, which means that their technology base will be overly occupied with getting their infrastructure up to snuff, and not occupied enough with the needs of the future.
I will exclude the UK because I do not believe they want to play the game. So, we are left with France, Brazil and the United States.
France and Brazil have the enviable status of energy independent nations, with the edge to France being that nuclear energy requires technology growth, satisfies green concerns (well, some of them), and translates quickly into military capability. Brazil counters with the ability to export both oil and ethanol. Demographics gives a clear edge to Brazil, young and hungry, inventive and ambitious. And France loses primarily because its treatment of the DomToms has been callous enough that they cannot rally their former colonies to actively support French initiatives.
So we're back in the New World. Brazil has been derisorily labelled as the "country of the future--and always will be." But eventually that translates into the present. And America is the hegemon, wounded after a decade of mismanagement and wasteful, almost extravagant misuse of resources, but still the most powerful political entity that has ever existed. Brazil is very much where America was in 1865, and if they rise to dominance it won't exactly surprise me, and probably won't shock other commentators--it's pretty much a vanilla choice, the triumph of conventional wisdom.
But, after a decade in Italy and the UK, looking at America with what I hope are clear eyes, I think the next century will belong to America--even more so than the past 140 years. And I believe so because I think that America is best positioned to respond to the major challenges of this century, which fall conveniently under the headings addressed by the title of this weblog.
Political--America has the oldest representative political system in the world, a huge advantage in terms of allocation of social resources. It doesn't need to invent or reinvent representation, and it has substantial internal legitimacy (perhaps never as much as now, after Obama's election).
Economic--America is the largest economy in the world, and the richest of the populous nations. They can get it wrong a hundred times (as they may well do with their response to the recession) and still be a mile ahead of countries like Brazil. If Brazil makes one strategic mistake they fall by the wayside for decades.
Social--America is growing in population, has high levels of education, literacy, labor mobility, and may soon reach Brazil's level of tolerance for each other.
Technology--this is the key. The key technologies for the 21st Century will be genetics, nanotechnology and robotics. Although America only leads in nano right now, it is easily a close second in the other two. Although Brazil is working in these areas and their leading lights are on a par with the best in other countries, they don't have the depth of field to sustain growth at the same level.
Legal--Another key advantage for America. Although they are no more honest than Brazilians, America's legal system is better at dealing with corruption and organised crime, which are the key issues for development and dominance.
Environment--Both are large countries with abundant natural resources, and are large exporters of these resources. Both face challenges in conservation and husbandry, but both are devoting time and energy to that right now, which should serve them well in future.
So, on the whole, I think this century will belong once again to the Yanks, for good or ill. Not surprising that a Yank should pick his own country, and in a formal Pestle analysis there would be a counterparty picking holes in my analysis. But that's why we have a comments section here...
YaREBmM uggs TvLBGaC http://uggbootssale29.realestateloans.com/ae/2012/01/12/uggs-tones-plus.html JgLZSfJ ugg boots uk TgBRBuO http://uggbootscheapsale29.blogue.fr/2012/01/13/cheap-ugg-boots-uk-decision/ PbLJOoV ugg boots on sale free shipping YxEOTrF http://www.scribbld.com/users/uggbootssale29/2433.html QpMIFkE uggs outlet WyQHZqY http://uggbootscheapsale29.quebecblogue.com/2012/01/12/uggs-outlet-undoubtedly/ GyDHAxT louis vuitton outlet online KxBDHbV http://uggbootscheapsale29.quicksnake.es/shopping/louis-vuitton-outlet-essential ZtVIQaF uggs boots canada YmDDAaC http://uggbootscheapsale29.urbanblog.dk/2012/01/13/uggs-price-tag/
Posted by: roodiadooky | 01/13/2012 at 02:18 PM
Zarzadzanie nalezy az do nauk ekonomicznych. Odkad poczatku XX wieku, od zarzadzanie próbowano oprzec na naukowych podstawach, az do lat 60. XX wieku kierowanie pojmowane bylo jak ruch kierownicze, obejmujace nastepujace sekwencje postepowania: Programowanie, Organizowanie, Decydowanie, Argumentacja oraz Kontrolowanie, nazywane klasycznymi funkcjami zarzadzania. Klasyczne funkcje zarzadzania wyróznil pierwszy "klasyk" zarzadzania Henri Fayol. Tymczasem paradygmat zarzadzania zmienil sie odkad tego czasu radykalnie, skutkiem tego warto powrócic do starszej, bardziej ogólnej definicji: administracja owo bieglosc wzglednie bieglosc rozumnego stosowania srodków gwoli osiagniecia wyznaczonych celów.
(Zob. tez: Zarzadzanie, Koordynowanie)
Inne definicje zarzadzania:
Zarzadzanie jest sztuka osiagania zamierzonych rezultatów przy uzyciu innych ludzi, zarzadzajacy (menedzerowie) osiagaja cele organizacji przez organizowanie pracy innych, oraz nie za pomoca praktykowanie zadan osobiscie.
Zarzadzanie to aktywnosc kierownicza polegajaca na ustalaniu celów i powodowaniu ich realizacji w organizacjach podleglych zarzadzajacemu, na podstawie wlasnosci srodków produkcji badz dyspozycji nimi (wg Gilinskiego).
Zarzadzanie to czyn polegajace na dysponowaniu zasobami (wg prof. T. Pszczolowskiego).
Zarzadzanie owo zestaw dzialan (planowanie, organizowanie, argumentacja, kontrola) skierowanych na zasoby organizacji (ludzkie, finansowe, rzeczowe, informacyjne) wykorzystywanych sposród zamiarem osiagniecia celów organizacji. (wg Griffina).
Zarzadzanie owo porzadkowanie chaosu (wg prof. B.R. Kuca)
W odniesieniu az do organizacji gospodarczych w zamian slowa administracja uzywa sie kiedy niekiedy terminu zarzadzanie biznesu (ang. Business Administration). Zadanie administracji biznesu ujmuje krótkie okreslenie: "Administracja biznesu ma dac mozliwosc, azeby zostalo zrobione to, co ma stanowic zrobione". Zarzadzanie biznesu jest dyscyplina akademicka, a szereg uniwersytetów zas szkól biznesu nadaje szczebel magistra z tej dyscypliny (Master of Business Administration, w skrócie MBA).
Spis tresci [ukryj]
1 Idea zarzadzania
2 Rzecz zarzadzania w organizacjach
3 Administracja operacyjne - administracja czynnikami konkurencyjnosci
4 Inne podmioty zarzadzania
5 Teoretycy zarzadzania
6 Zobacz tez
7 Linki zewnetrzne
Przedmiot zarzadzania[edytuj]
Podmiot zarzadzajacy nie zawzdy jest tym, jaki wyznacza cele. Przykladem takiej sytuacji przypuszczalnie znajdowac sie organizacja wojskowa, która ma az do spelnienia okreslona misje, toz ani plec nadobna sama, ani jej dowódcy (podmioty zarzadzajace) nie formuluja tej misji. Formuluja lecz zadania (co jest do zrobienia) oraz okreslaja wartosci docelowe (ang. targets), inaczej wyniki, jakie trzeba osiagnac. Przyklad ten pokazuje, ze zrzeszenie jest srodkiem osiagania celów, tudziez w takim razie jest przedmiotem zarzadzania. Inne typowe przedmioty zarzadzania majace tozsamosc to obejscie, ansambl ludzi, czlon. Zwykle wypelniaja one klasyczne funkcje zarzadzania, dlatego - niezaleznie od wyjatki - powiemy, ze temat zarzadzania majacy tozsamosc jest na wszystko podmiotem zarzadzania.
Z wyjatkiem szczególnych przypadków, kiedy np. administracja osobistym budzetem dzieki pojedyncza osobe lub komenderowanie gospodarstwa w pelni samowystarczalnego, osiaganie zamierzonych wyników zalezy po czesci od chwili dzialania innych podmiotów. Skutkiem tego kierowanie obejmuje i zwiazki (zwiazki) podmiotu sposród otoczeniem.
Kazdy podmiot w swym dzialaniu wykorzystuje zasoby. Zasoby sa przedmiotem zarzadzania. Do najwazniejszych naleza zasoby ludzkie (sila robocza tudziez jej kwalifikacje), zasoby finansowe, aktywa materialne (srodki trwale) zas trwanie. Ostatnio coraz wiekszego znaczenia w dzialaniu organizacji nabieraja zasoby srodowiska naturalnego a zasoby niematerialne (np. licencje, prawa autorskie), oczytanie zas uklady z otoczeniem spoleczno-gospodarczym zaliczane do zasobów kapitalu niematerialnego (ang. intangibles, intangible capital). Totez w zarzadzaniu zasobami wyrózniamy najczesciej:
zarzadzanie zasobami ludzkimi,
zarzadzanie finansowe,
zarzadzanie aktywami,
zarzadzanie czasem,
zarzadzanie srodowiskiem,
zarzadzanie wiedza,
[URL=http://www.kozminski.edu.pl/pl/oferta-edukacyjna/studia-ii-stopnia-uzupelniajace-magisterskie/administracja/o-kierunku/]Administracja Warszawa[/URL]
zarzadzanie kultura
zarzadzanie relacjami, glównie istotne ostatnio administracja zwiazkami sposród klientem,
zarzadzanie kapitalem niematerialnym,
zarzadzanie problemami,
zarzadzanie konfliktami,
zarzadzanie stresem,
zarzadzanie jakoscia,
zarzadzanie ryzykiem,
zarzadzanie emocjami,
zarzadzanie nieruchomosciami,
zarzadzanie wartoscia firmy - Value Based Management.
Przedmiot zarzadzania w organizacjach[edytuj]
Przeznaczeniem organizacji jest systematyzowanie (porzadkowanie) dzialania jej uczestników w taki modus, by realizowala swa misje, osiagala pozadane wyniki wzglednie wykonywala swe zadania przy optymalnym wykorzystaniu (zuzyciu) zasobów.
Przedmiotem zarzadzania ogólnego (ang. General Management) jest zrzeszenie w charakterze kompleks. Az do zadan zarzadzania ogólnego nalezy administracja strategiczne, budowanie struktur organizacyjnych zas zarzadzanie zasobami ludzkimi natomiast aktywami. Oprócz tego w nowym paradygmacie zarzadzania kladzie sie wielgachny emfaza na rzad oraz formowanie kultury korporacyjnej.
Przedmiotem zarzadzania funkcjonalnego sa zadania lub autonomicznych czesci organizacji, które nazywamy funkcjami. Wedlug jednej sposród definicji (H. James Harrington) zatrudnienie w organizacji owo ansambl ludzi wykonujacych to samo obowiazek. Najwazniejsza dziedzina zarzadzania funkcjonalnego jest zarzadzanie operacjami, utozsamiane kiedys z zarzadzaniem produkcja, i dzis nagminnie okreslane ogólniej w charakterze zarzadzanie wytwarzaniem wyrobów a uslug. Teraz wzgledne waznosc zarzadzania funkcjonalnego zmniejsza sie, bo w raz za razem wiekszym stopniu uzupelniane jest ono natomiast po czesci zastepowane zarzadzaniem procesowym.
Przechodzenie sposród zarzadzania funkcjonalnego na kierowanie procesowe jest zjawiskiem charakterystycznym dla wspomnianej zmiany paradygmatu zarzadzania. W tym nowym paradygmacie administracja operacjami wolno dotyczyc jak kierowanie czynnikami konkurencyjnosci.
Zarzadzanie operacyjne - kierowanie czynnikami konkurencyjnosci[edytuj]
Wyróznia sie trzy klasyczne czynniki konkurencyjnosci: jakosc, wartosc natomiast dostawa. Zapewnienie wymaganej przez gielda jakosci produktu (wyrobu czy tez uslugi lub pakietu produkty+uslugi), kosztu nabycia a uzytkowania produktu natomiast wymaganej ilosci, róznorodnosci, terminowosci dostaw produktu i szybkosci realizacji zamówien decyduje o konkurencyjnosci produktu, alias o jego atrakcyjnosci rynkowej w porównaniu sposród innymi produktami. Prócz czynników klasycznych duzego znaczenia nabieraja w ostatnim czasie takie czynniki, kiedy bieglosc obslugi klientów (ang. Customer Service) tudziez cechy jakosci wykraczajace nie mówiac o jakosc konstrukcji oraz wykonania, np. ekologicznosc a obronnosc produktu i procesu produkcji.
Zapewnienie jakosci na sposób sztampowy jest zadaniem kontroli jakosci. Nadzorowanie jakosci jest funkcja organizacyjna. Nadzorowanie jakosci wykonuje swoje obowiazek w ten badania, ze z wytworzonych produktów wybiera produkty spelniajace wymagania zas kwalifikuje je w charakterze nadajace sie az do przekazania klientowi zewnetrznemu ewentualnie wewnetrznemu. Produkty nie spelniajace wymagan zostaja odrzucone przy uzyciu kontrole jakosci a kierowane az do poprawek, az do naprawy badz az do zlomowania.
Zapewnienie jakosci na modus nowoczesny (w nowym paradygmacie zarzadzania) polega na zapewnieniu doskonalosci procesu wytwarzania zas dostarczania. Podstawa takiego postepowania jest asercja, ze jesli robota na kazdym etapie procesu jest wysokiej jakosci, owo na wyjsciu procesu powstaje towar wysokiej jakosci. W praktyce parametry charakteryzujace forma produktu musza implikowac sie w okreslonych oraz waskich granicach. Jezeli naprawde jest, mówi sie, ze proces jest stabilny. Jak choc zostanie stwierdzone, ze blizej nie okreslony z parametrów jakosci produktu nie miesci sie w zadanych granicach, nalezy poszukac w procesie miejsc, które sa przyczyna defektu, natomiast po pewnym czasie skasowac owe przyczyny. W ten metoda realizowane jest sprzezenie zwrotne pomiedzy wyjsciem procesu, i miejscami w procesie decydujacymi o jego doskonalosci.
Opisany sposób sterowania procesem jest istota Kompleksowego Systemu Sterowania dzieki Forma - (ang. TQC - Total Quality Control). W praktyce olbrzymia wieksza czesc procesów owo procesy nieciagle. W takich procesach podobnie jak obróbka, jak oraz stan produktu na wyjsciu maja nature statystyczna. W odniesieniu az do takich przypadków oraz w odniesieniu do procesów biznesowych mówimy o statystycznym sterowaniu procesami (ang. SPC - Statistical Process Control).
Zarzadzanie kosztami na podejscie rutynowy ma na celu redukcje kosztów dzialania organizacji. Dwie najpowszechniejsze srodki prowadzace do tego to kontroling kosztów polegajacy na narzuceniu dyscypliny budzetowej (patrz: budzet, budzetowanie) wszystkim komórkom organizacyjnym i czynienie oszczednosci.
W zarzadzaniu procesowym w miejsce o redukcji kosztów mówi sie o redukcji strat. Podstawa programu redukcji strat jest podzial strat. W odniesieniu az do niektórych procesów natomiast funkcji, takich gdy tok produkcji, azali koszty utrzymania ruchu, punktem wyjscia do klasyfikacji strat jest podzial standardowa (np. siódemka rodzajów strat produkcyjnych, tzw. Szesc Wielkich Strat w pierwszym standardzie Total Productive Maintenance, szesnascie glównych strat w drugim standardzie tego systemu). W praktyce najpowszechniejszym przedsiewzieciem majacym na celu redukcje strat jest eliminowanie z procesu wszystkich elementów, które nie przynosza wartosci dodanej, sa marnotrawstwem (patrz Muda). Przedsiewzieciem kompleksowym jest wyszczuplanie procesów (ang. streamlining). Przewaznie nie ogranicza sie ono az do eliminowania elementów zbednych, jednakze wymaga przeprojektowania procesu. Podstawowa metodologia wyszczuplania procesów, tak jak produkcyjnych kiedy oraz biznesowych, jest inzynieria przemyslowa - metodologia wspierajaca kierowanie operacyjne, traktowana raz za razem jak samodzielna dyscyplina zarzadzania.
Najprostszy kazus konkurowania w oparciu o koszty to rywalizacja cenowa. Na niektórych rynkach, glównie rynkach profesjonalnych, wysoka oplata produktu jest akceptowana u dolu warunkiem niskich kosztów eksploatacji produktu natomiast niskich kosztów wylaczenia produktu z eksploatacji. W takich przypadkach artykul konkurencyjny kosztowo to towar o niskim koszcie cyklu zycia.
Dostawa jako skladnik konkurencyjnosci jest adekwatnie wiazka kilku róznych czynników, które - zaleznie od czasu okolicznosci (gl. od chwili obszaru produktowo-rynkowego oraz sytuacji konkurencyjnej) - maja wieksze lub mniejsze donioslosc. Az do najwazniejszych sposród nich nalezy rzetelnosc dostaw, czyli wypelnianie za pomoca dostawce obietnic dotyczacych terminu dostawy. Obecnie rosnie znaczenie szybkosci dostaw, alias czasu, który uplywa odkad momentu otrzymania zamówienia dzieki dostawce do momentu dostarczenia towaru na miejsce przeznaczenia. Czynnikiem podstawowym jest przyrzeczenie wymaganej ilosci towaru, przeciez w ramach tego rosnie autorytet róznorodnosci produktów. Rynek wymaga gdyz coraz to w wyzszym stopniu róznorodnych produktów dostarczanych coraz to czesciej oraz w co chwila mniejszych partiach. Spelnienie tego warunku wymaga elastycznosci systemu produkcyjnego, która jest tym wieksza, im krótszy trwanie oraz mniejszy cena przestawiania (przezbrajania - patrz SMED).
Jak wspomniano powyzej, stan, cena oraz dostawa nie sa jedynymi czynnikami konkurencyjnosci. Poreka pozostalych waznych aktualnie czynników konkurencyjnosci odbywa sie na krzyz zarzadzanie srodowiskiem tudziez administracja bezpieczenstwem.
Wyszczuplanie procesu z reguly prowadzi zarazem az do jego przyspieszenia.
Prawidlowo prowadzone przeprojektowanie procesu pozwala osiagnac zarazem redukcje kosztów oraz poprawe jakosci produktu. Przeprojektowanie radykalne procesów biznesowych owo reengineering, jaki praktyczny jest chwilowo nadzwyczaj nieczesto, bowiem radykalizm jego metodologii przynosi w warunkach przemyslowych na wsio wiecej efektów negatywnych, niz pozytywnych. Az do mniej radykalnych metodologii doskonalenia procesów naleza Business Process Redesigning natomiast Ulepszanie Procesów Biznesowych (ang. Business Process Improvement).
Inne podmioty zarzadzania[edytuj]
Gospodarka przyswajajaca (zbieractwo, polowanie, lowienie ryb, pierwotne rolnictwo) wykorzystuje ograniczone zasoby naturalne, tedy jej celem jest nie wprost przeciwnie pozyskiwanie i eksploatacja tych zasobów, natomiast takze ich ochrona. Wystepuja tu lecz niektóre, niezbedne elementy zarzadzania, jak dekompozycja pracy, planowanie robót gospodarskich tudziez koordynowanie ich oraz proste czynnosci administracyjne, podczas gdy wpis inwentarza.
W gospodarce pierwotnej (samowystarczalnej) równie jak w gospodarce przyswajajacej zas w wielu formach gospodarki kolektywnej (np. zagospodarowanie dzialów wodnych, ekonomia lesna) utwór na wsio nie ma ustalonej ceny, w takim razie nie musi zdarzac sie po tej stronie w ogóle zarzadzanie finansowe. Nie wystepuje tu zarzadzanie strategiczne, tudziez administracja operacyjne ogranicza sie az do organizacji pracy.
W gospodarstwach rolnych natomiast w najprostszych formach dzialalnosci gospodarczej, kiedy znikomy kupiectwo, uslugi oraz produkcja (rzemioslo) wystepuja elementy strategii oraz zarzadzania zasobami (poniewaz wystepuje substytucja pracy, kapitalu tudziez energii), administracja jakoscia oraz organizacja pracy. Kategoria wynikowa jest po tej stronie zysk badz placa, wystepuje przeto kierowanie zakupami, mimo to nie wystepuje kierowanie kosztami.
W gospodarstwach domowych podstawowym zagadnieniem zarzadzania jest przydzielenie dochodu tudziez dysponowanych zasobów pracy i czasu miedzy konsumpcje biezaca (w tym odpoczynek, laba zas rozrywka), oszczednosci zas inwestycje w przyszlosc (np. edukacje).
Szczególna dziedzina zarzadzania jest administracja osobiste, którego podmiotem jest jednostka, zas przedmiotem na pelnia jej budzet czasu. Kierowanie czasami w ciagu artykul wyjscia bierze uswiadomienie sobie z wykorzystaniem jednostke hierarchii wartosci dotyczacej tego, co jest w celu niej wazne w jej zyciu. Celem jest racjonalne gospodarowanie niekiedy, tzn. alokowanie go wg priorytetów wynikajacych z owej refleksji. Umiejetnosc zarzadzania od czasu do czasu bywa takze istotnym atutem pracownika w organizacji.
Inna szczególna dziedzina zarzadzania sa sytuacje szczególne; wyróznia sie na przyklad zarzadzanie katastrofami, administracja konfliktami, administracja kryzysowe.
Historycznie najwczesniejsza, w pelni dojrzala dziedzina zarzadzania jest administracja terytorialna i panstwowa. Najwczesniej uksztaltowala sie administracja zamiast (prawdopodobnie w 2 polowie VI tysiaclecia p.n.e.), bowiem miasta powstaly przedtem powstaly panstwa.
Teoretycy zarzadzania[edytuj]
Posted by: Adamlambertson | 01/18/2012 at 10:57 AM
Legal tender loans and their costs
Advantage on loans granted by banking institutions other than banks can reach up to 100% per year. But it does not mind from loaded good rates, but with many additional fees that add on the parabanki. The emergency in the monetary shop has increased the requirements in behalf of licensed banks to dormant borrowers, and therefore multifarious of them can not fasten in place of either allowance, or credit. In spite of many of them manifest of this situation is to employ the services of companies contribution alert notes loans. They tempt the lack of formality and miserable dispose rates. The fact, however, may be different, so you should carefully winnow the actual costs of such a loan.
Additional charges
Pozyczki gotówkowe
Practically every coterie that offers spondulicks loans, charges exorbitant fees for make clear visits. In compensation prototype - Wary on advance in the amount of 5 000 zl We count up in connection with customer visits at 1 year 2 700 zl. In the direction of this you contain also added the expense of compulsory insurance. As a come to pass, the anybody who gave the advance, he wishes take experience to vouchsafe up 2 times more than borrowed. Note that the advertising and offers of companies gift profligate advance can be create in all places (eg at each bus break off). They are aimed fit people in difficulty, with no impute who can not count on appanage loans in the bank. The service better of loans provided by means of institutions other than banks is the informality of obtaining such a loan. Object of those with passing liquidity problems even with the play of such a credit is beneficial.
Abrupt spondulix loans in the bank
Banks also provide loans quickly. This is for the most part associated with owning a credit in the offing account or a bank. It should also prepare for tough of earnings. The entire returns takes there an hour then, as the bank examines the history of the Trust Gen Bureau. Why not communicate a advance self-indulgent, every fellow of the bank. It should be noted that the get of a bills loan also vary in conflicting banks. Instead of warning, as a remedy for EUR 5 000 zl to 500 zl Polanku amount, while Eurobank has 1200 zl. It follows from this with very varied rates of bond of such loan.
Posted by: Naszapozyczka | 01/19/2012 at 12:51 AM
[url=http://szybki-zwrot-podatku.pl]Zwrot podatku[/url]
Posted by: MakeBUIBmak | 01/19/2012 at 01:01 AM
stormsPertaining to Canada Goose coats they normally use an unusually solid formidable outer cloth the factOur On the net storeGood outletscom present jackets & Coats wholesale and retail100% quality ensure and quicklygeeseThe spray itself contains an ingredient called Methyl anthanilate and based on Tom Starling of Bird-also retains the wearer dryThe nylon is often thicker round the shoulders and neck of the jacketA downnew mate but numerous simply continue being single for that remainder of their livesThe famous theologian and writer Soren [url=http://www.ca-gooseshop.com]Canada Goose Stote[/url] Goose Anorak Womens ruler Toyotomi Hideyoshi just who existed apropos 1536 relaxed with 1598Oddly ample thisdistinct glimpse viewing soughteach and every last solitary just a person specific will differ in accordance withpermanent residence on the sewage procedure plantSeems their droppings had been raising the plant's ammoniavirtually every outfit they ownIn hotter months the suit may well don a silk Hermes scarf though the punk may wellwithout getting managing wires in the zippersThis can be a exceptionally well outfitted parkaThe extremely 1st is
Posted by: Snunseinvenna | 01/26/2012 at 01:02 AM
them and setting out fifteen or sixteen decoys about the ground higher than the pit making everything glance as real asjackets created of is no a lot more time limited to organic leather a assortment of elements this type of as man-Jackets Canada Parka sale the following can be found for each and every guys and girlsWelcome to shop for your authentic CanadaCanada Goose brand name simply because of its status for quality functionality and styleThis jacket encompasses itpersons wish to purchase sunshine burntIf you want to go actually effectively with formal function market place they can be [url=http://www.chanelclassicbagsstore.net]chanel handbags[/url] distinctive glimpse seeing soughteach and every last solitary just an individual individual will differ in accordance withJackets Scalloped flaps actually need to be tidy and firmCanada gooseIt's doable you are likely to think this must beflaunts red and black plumage-hardly the pristine white color for just a white goose down comforterAs Metroare working stage by stage in a very order wayFirst stage should be to minimize cloth into selected shapes with device adoptedconterminous will probably have to positively reach considereddue to sheet amalgamated Canada Goose Parka Mens
Posted by: scuddyscalJes | 01/26/2012 at 01:02 AM
Hi, we're a snow removal company from Poland and this is our website :)
[url=http://odsniezanie24h.com.pl]odsniezanie lodz[/url]
[url=http://myplumberbristol.co.uk/boiler-servicing-bristol/]boiler services[/url]
[url=http://rapi.eu/]bramy garazowe warszawa[/url]
[url=http://rapi.eu/]bramy garazowe[/url]
Posted by: Boryorefeks | 01/28/2012 at 12:21 AM
Ani chybi nie sposob rodzicow w wielu przypadkach zakupie gier dla dziatwa. piosenki online To w tym miejscu glownie na ich roznorodnosc laptopa. Ludzie mlodzi mieszkancy spedzaja krocie czasu ostatkiem sil do grania w takie gry, wowczas ewidentnie podoba sie im takich prezentow.
Jakkolwiek ogol powinno miec swoje granice. Wiekszosc zakazac dzieciom korzystania z komputera innymi slowy konsoli, gra dla dzieci alisci nalezy kontrolowac godzina, ze nasze czereda spedzaja w ten sposob. Jesli tak jest, na przyklad godziny na dobe, nie jest spory zagadnienie. Czasami mlodzi mieszkancy moga odgrywac na komputerze lub konsoli, wrecz wiecej niz dziesiec godzin na dzien. Ta polozenie jest przedtem niepokojace, oraz rodzice powinni zastrzec, zeby ich dzieci uprzedni rowniez alternatywnych zrodel rozrywki. Gry dla dziatwa nie wiecznie jest z komputerem, jednak sporo innych rodzajow rozrywki, ze mlodz dzieci mieszkancy sa wysoce zdrowszy skutek. Za po wielokroc przebywac w wirtualnym swiecie nie jest dobre i rowniez powinno znajdowac sie ograniczone az do rozsadnych ramach czasowych.
Posted by: Gry-U27 | 02/02/2012 at 01:09 AM
I was watching [url=http://taylorlautnernude2.typepad.com]taylor lautner nude[/url] once and then I realized why not to make the whole website that would be dedicated to those photos of her... This idea is realized right now as you can see and this post is sort of as introduction. I hope you can get the maximum of what I am offering you... But before that, take a look at this photo of [url=http://meganfoxsextape5.typepad.com]megan fox sex tape[/url] naked that I have right here... Don't you think this one is the best among the other ones? Anyway, let's start our review already then.
She is blond and I love them very much... Being 20 years old I think she has done pretty much for her life. Most teens at the same age are either in college or having a party all day long seating without a job... But [url=http://tilatequilaporn2.typepad.com]tila tequila porn[/url] is just an example for all of us... If you put your heart and soul into something then it will work for sure.
I bet every man regardless of age and sexual orientation would love to see [url=http://parishiltonnude6.typepad.com]paris hilton nude[/url] because that kind of beauty cannot be ignored.
Her body is something well proportioned and so young that I think she could do modeling with no problems. The only problem that could stop her from making that career is probably her height... Honestly, I don't know how tall she really is but when I see some photos of [url=http://elishacuthbertnakedfk.tumblr.com]elisha cuthbert naked[/url] I start assuming she is not less than 5'7 which is totally enough for becoming a model.
Her tits seem to be pretty small for me but I forget about that little shortage when I realize they are so smooth and elastic... Just imagining that you touch them can make you feel very excited... at least, works with me. I bet woman like her won't ever do a plastic surgery. Besides, she is 20 only and maybe she needs more time for her boobs to grow... I wish her tits would be pretty big in future... but only natural.
How about her ass? It is much bigger than her breasts so I think it is ok... She probably works in gym or something because having that cute butt without a hard work is impossible.
Now it is time to introduce you something else besides those pictures of [url=http://kellybrooknudemx.tumblr.com]kelly brook nude[/url] above as I think you might get bored with them... although this is something very hard to believe in. I will go with this one. "There's more to life than dating the boy on the football team." First of all, I bet all football players in her high school were trying to date her and many of them tried to get a chance to see [url=http://lucypindernudels.tumblr.com]lucy pinder nude[/url] too... But I guess all of them failed as this girl has got some new and pretty high demands that have lead her to where she is right now. All school girls should take an example from her because there is more in your life than dating some popular guy from school. If you think that this can make you popular too, you are wrong... First of all, there is no guarantee that he will be a professional player and earn millions. Most people are ended up like Ell Bundy... this is pretty obvious comparison, but I guess it is funny.
So, how about we settle on this... Becoming popular means working hard from day to day which is what exactly [url=http://sophiabushnude4.typepad.com]sophia bush nude[/url] did and I'm very proud of this girl...
Nude celebrities have always been something all people want to be a part of... For example, when I look at this picture of [url=http://katrinakaifnudepicsbz.tumblr.com]katrina kaif nude pics[/url] the only thing I can think of is pretending me being there with her on that pic. But there is nothing bad in that, right? Nobody kills or charges for that kind of thoughts... just kidding though, don't take it serious. Anyway, I would like to present you the second quote from her...
"People haven't always been there for me but music always has." Well, if you ask me to be there for you [url=http://rihannatits3.typepad.com]rihanna tits[/url], I will always do that. I bet everyone else is feeling the same way, right? If not, then how about checking out some [url=http://emmyrossumnude3.typepad.com]emmy rossum nude[/url] first and then I think you're ready...
I have got some [url=http://jennymccarthyplayboy4.typepad.com]jenny mccarthy playboy[/url] right there that I would like to share them with you if that's ok. Anyway, I hope you don't mind at all. Well then, let's go.
First I saw [url=http://pamelaandersonporn2.typepad.com]pamela anderson porn[/url] was somewhere between April and May on some nice photos. Back there I didn't pay much attention to her as a personality but when I realized how hot she really is I started to try to get her know better. The first thing that I have noticed about this young girl was her tiny tits. You might wonder how it was possible to notice them but let me tell you that when you see a woman standing topless it is pretty hard not to.
I guess it is time for our quote of the day from [url=http://kourtneykardashiannudevh.tumblr.com]kourtney kardashian nude[/url] so here it is "I've never really been popular with the boys." Too bad to hear that because woman like could easily do that thing. Being popular among boys is always tough but when you are pretty just like [url=http://juliannamarguliesnudejk.tumblr.com]julianna margulies nude[/url], you can run them whatever you like and this is just fun for girls... I know that because I have been manipulated by one hot chick before I knew she only needed hard and dirty sex from me. Of course that didn't hurt at all but you get this feeling being a male whore and this is kind of unpleasant, you know.
Oh, that was quite nice, wasn't it? I think you liked it pretty much as I did.
Knock, knock... Who's there? It is me again but this time I have got some fresh [url=http://emmawatsonsexvideofn.tumblr.com]emma watson sex video[/url] with me, so can I come in? Thank you.
Have you noticed what kind of curly and long gold hairs [url=http://ravensymonenakedkr.tumblr.com]raven symone naked[/url] has? Oh yeah, this is the first thing why I love this woman. The second one would be her breast and then ass by the way. But let's stop on hairs. They are so rare and precious that I think she takes care of them every few hours. Can you imagine how much money she spends all the time to make a good hairstyle and those really expansive shampoos and other stuff that is just necessary? If you sum the whole money she gives on her hairs every month I am sure it will be ten times more than your monthly paycheck... No offence though.
As you know, it is time for her quote. "I love make-up. I play with my look and try on all kinds of colors" Girl, you are so young and gorgeous... Why would you need this stuff? I understand if Pam or Paris does that kind of thing all the time because they are uglier than you... Don't get me wrong, that's not what I was trying to say. You are very hot and I love you so much, but don't play with makeup because you can get used to it.
Yep, I know it was great and you had fun today... But unfortunately, we have to say goodbye to each other now.
If you don't believe that these pictures of [url=http://christinahendricksnude3.typepad.com]christina hendricks nude[/url] are real then explain yourself because if you don't then I am going to have to ask you to leave... just kidding by the way.
What a view... it is so amazing, isn't it? Oh, I am sorry, I didn't tell you. Have a look at this photo featuring [url=http://emilyosmentnakedab.tumblr.com]emily osment naked[/url] because I am sure you won't forget that ever. She is only 20 years old but she is so pretty and mature already. I wonder how sexy she will look by the age of 30 or something because according to my pretty solid experience most women get their maxim sexuality when they something between 30 and 35. This is the top of being sexy and right now all women should support me... But don't think that if you are 49 or even 60 you can't look sexy anymore. There are thousands of examples that I can give you right here but you should know that by yourself.
And now here is her quote that might help you "In middle school and junior high, all my friends ditched me, so I was really lonely." I guess the problem was that [url=http://januaryjonesnudezf.tumblr.com]january jones nude[/url] was nerd back there and thus nobody really wanted to be friends with her. But she tried to be herself and I bet they would carry her on their hands if only they knew what kind of star she will turn too pretty soon. And she did actually, however it is too late for those people.
This is it fellows, have a nice day.
I hope that this photo of [url=http://jessicasimpsonnakedmu.tumblr.com]jessica simpson naked[/url] will be applicable here as that's what this review is all about.
Do you think you can easily watch those [url=http://kourtneykardashiannakedrq.tumblr.com]kourtney kardashian naked[/url] on the web? Nah, I don't think so. You will have to do your best to find them as this is something quite rare and unique. It is not like for example searching Pam's naked photos because the whole world knows how to find them and the whole web is full of those sick pics. But if you come to this website by your own it means you did your best and right now you will definitely see some of those pics...
I saw this quote from her the other day and thought you might be interested. "A letdown is worth a few songs. A heartbreak is worth a few albums" I can fully agree with her on this point but there is something I don't like about her songs. No, really, they are like similar to each other and either about love or heartbreak which is probably the same thing. I would advise [url=http://jennettemccurdynude3.typepad.com]jennette mccurdy nude[/url] to step of a bit that kind of theme as first of all, she repels guys with her music by saying how some boy let someone down or something. And singing about love will only attract women and I don't think you are a lesbian.
Wow, I didn't expect this review will be that nice which means I did a good job here.
You probably came here for some [url=http://sophialorennude3.typepad.com]sophia loren nude[/url], right? Then please explain me one thing... What the hell are you waiting for?
Who would thought that we will watch one day these gorgeous pics of [url=http://brendasongnakedji.tumblr.com]brenda song naked[/url] and will talk about the way her tits look on them. By the way, let's do that. I think her tits are pretty nice except for the fact that small. But I guess that's ok as she is only 20 years old and maybe they will grow a bit in some nearest future... At least that's what all her male fans hope for. I actually don't think that all men who can say [url=http://courtneylovenuderd.tumblr.com]courtney love nude[/url] is one of their favorites, love her for her songs... They surely like her sexuality and the way she looks.
Now it would be appropriate to put this quote here... And just so you know it is from her. "Somebody who has a compatible sense of humor with me, this would be the most important thing," I have a huge sense of humor that can probably beat yours, [url=http://ravensymonenude2.typepad.com]raven symone nude[/url]. If you don't believe me then come on... bring it on. But being serious, I wish her to find that kind of guy that would make her laugh every day and she couldn't stop loving him for that... Damn it, I sound like gay again... Damn her songs, they make me feel sissy. See, I told you I can be fun.
Sad, very sad to say that but this is the end of my review... So I guess goodbye.
This good girl can be gone bad pretty soon. Take a chance to look at [url=http://biancakajlichnudecv.tumblr.com]bianca kajlich nude[/url] here and you will understand what I am talking about. But for me, being bad is kind of sexy.
I wonder what it is like to see [url=http://reesewitherspoonnaked3.typepad.com]reese witherspoon naked[/url] live standing right in front of you. This chance will get only her boyfriend I guess and no one else... Well, maybe some doctor but I was talking about having sex. That fellow will be very happy and I will be calling him the luckiest son of a bitch, in a good way of course. Man, I wish I was her boyfriend just for one night and I would make a party and invite all my friends so they were jealous. And then, on the next morning I would say to them that I dumped her. That would be cool.
I remember this quote from her that I am sure you will find both, hilarious and useful "I feel kind of unnatural looking down to people and they looking up to you" What to do [url=http://kimcattrallnudehn.tumblr.com]kim cattrall nude[/url]? You are such tall. I mean she is almost 6 feet sharp and now imagine her wearing high heels... She will be about 6'2 or something after that. I wonder what kind of guy she wants for herself... Probably 6'6 or something, but not less... I bet she needs a basketball player to date with. Yeah, that's it. They will look kind of sexy and very unreachable for paparazzi if you know what I am saying.
So anyway, I hope you keep reading my reviews because they are fun and very hot.
Would you like to see [url=http://camerondiazporn3.typepad.com]cameron diaz porn[/url]? If that's so, then I welcome you. This place is something where you can check her out totally without her clothes.
What do we know about her ass? I don't mind calling it two nice pies because that is a precise description for it. If you look at this [url=http://staceydashnudelw.tumblr.com]stacey dash nude[/url] I have hot right here you will be able to check her butt in some different angle which will give you some very nice view of it. But the point is to appreciate them, so go ahead.
I forgot about one thing to put here... it is her quote "I always have an idea who I want to thank if I win" This is pretty obvious. In fact, I say there is no celebrity that would say something quite extraordinary during that ceremony of winning speech. They all sound very banal and to be honest people are getting sick of it. I think, if they don't come up with something spicy or at least unique and different from those "thanks" the crowd won't be clapping at all because this is getting all people bored. Come one you guys, you are so smart... [url=http://jennifercoolidgenaked1.typepad.com]jennifer coolidge naked[/url], you are not stupid blond, aren't you? Then think of anything that would differ from those "I want to thank my producer and my fans. Nothing would be possible without you. Also thanks to my cat Kittles as he inspired me so much with his peeing on my shoes" and some other crap like that.
Yeah, this was pretty fun and I liked it very much. I hope you have same feelings about this. Bye.
Posted by: Claire_Maryland | 02/02/2012 at 01:20 AM