The Bank

Clothing and behavior should be in accordance with that position in the questionnaire. A neat haircut, a fresh nail polish (or complete absence), clean shoes and a neat appearance – that's the simple things that can render invaluable service in the process of obtaining credit. Watch his speech. Too fast it causes suspicion. You need to be confident and not in a hurry. By the way, about the documents. Necessary to have as many documents. Enclose a passport medical policy, insurance pension certificate, badge work or law.

Usually, questionnaire is required to specify the two stationary phone: home and work. You should warn their relatives and staff about a possible call from the bank. Declared in the questionnaire you income must be sufficient to claim for that amount (use the loan calculator to determine the maximum amount of credit). If you have outstanding credit, do not try to hide that fact. The Bank may issue a second credit if the amount you listed income can pay for two loans. If your income is not enough to get the desired amount, consider bringing in a co-borrower or guarantor spouse (s).

If family relationships are not registered properly, should think twice tell the bank about their civil marriage, or to better reflect in its actual form is single (unmarried) status. It is believed that repayment is easiest for an unmarried, childless women under 30 years of higher education. But there is no single recipe. Take, for example, an unmarried young man 23 years, renting an apartment with a girl, but prescribed by his parents. Naturally, the data on the costs of rental housing, providing young families (especially for a small income) is not the most favorable way affect the decision to issue the loan. AND quite another matter – a man 45 years prescribed by my mother-retired, but actually living in a rented apartment. In this case, silence fact about an individual living – it means questioning autonomy of the borrower. Be wary if a high enough income to ask the bank are small amounts for a long time – it looks suspiciously: either the salary to be untrue, or comes to mind the thought of the Borrower's inability to plan your budget. Needless to explain that neither one nor the other condition is not conducive to the adoption of a positive credit expert solutions. Remember that, when evaluating your creditworthiness, the bank based on statistical forecasting risks and adopting a negative decision, thus, may help you avoid a difficult situation. However, each bank uses its own methodology credit assessment of customers, so the denial of credit at one bank does not mean that you can not get a loan from another bank.


The standard is something very good, therefore it degenerates the consumer to have that to think more than the necessary one, therefore all look to solutions and more things not to think. through the standardization that if it searchs to simplify the work, preventing the unnecessary movements and its invariability. Falconi (2004) defines standardization as a set of systematic activities to establish, to use and to evaluate standards how much to its fulfilment, its adequacy and to its effect on the result. A choice important that it must be taken by the managemental function it is the choice of the supervisors. Therefore, the supervision is the line of command for all the operators. A process to be carried through of coesa form must have six primordial factors, that are: Raw material; Ambient conditions; Equipment; People; Information and Procedures. For Gasparini (1999, P. 399): To standardize means to equal, to uniformizar, to estandardizar.

Standardization, in turn, wants to say adoption of estander, a model. The word? I begin? it indicates the basic one, the elementary one. Thus, it must the entity purchaser, in all the businesses for the acquisition of good, to observe the basic rules that lead to the adoption of estander, of a standard that, advantageously, can satisfy the necessities of the activities that are its position. Thus, the supervisor, beyond evaluating if all the factors are being perfectly taken care of inside of the process, must provide a periodic diagnosis with the process and give the due training to operators. He is in its responsibility also, the certainty of the fulfilment of the operational procedures for the operators. With the well structuralized process he only is that if he can initiate the standardization. The task only can be standardized that is being executed satisfactorily. To standardize is to say to who to make as to make, with which tools to make and in the stipulated time.

Person Interviewee

This model assumes that performance is causal, there is an intention (motivation, personality traits, knowledge, self-image), which involves an action (behavioral indicators), which therefore determines an outcome (job performance). The questions focus on past and current behavior of the candidate. It is necessary to obtain specific examples of past performance, and to assess the skills and knowledge of candidates. The way to avoid cliche answers that the interviewee says that he believes the interviewer wants to hear, is to refer to real events and how effective that has been played at that time. Cross-examination is necessary considering the speech of the interviewee, that is through active listening and delve into those aspects that have not been made explicit. To understand the story, interpreting the data and be objective enough – if it can be – it is necessary to denature what we take for granted, therefore ask the obvious.

Often, it is surprising and is the most effective way of knowing how to actually think that before us. It is also necessary not to accept generalizations and redirect the discourse of the applicant to actual events in which you have participated actively. Accept generic responses, prevents us from knowing how the respondent reacted or acted in response to various stimuli and usually leads us to hypothesize guided by our opinion and not supported by facts. It is necessary to find clear evidence that the person has been able to deploy and / or suggest in previous situations we are evaluating the skills for that particular job.

The Bowl

For example, W-8 – this concrete is less porous than the usual W-6, and will not absorb much water. It is important that the location of all mortgages, the holes for the injectors (the closing of parts on tubes and other devices which is set on the inner surface of the pool) was thought out in advance, then will not have to drill the concrete for example, has a hole under a lamp. In the process of assembling the concrete is poured into the prepared excavation to the foundation and reinforcement – it's walls and bottom of the pool. It is important that the cup was filled immediately, but not often, because the pool is made of several layers may not be reliable. Before hardening of concrete is necessary to "knock out" from He bubbles. This is done using special vibrators. Dry bowl should be two to three months.

You will need only occasional watering pool water so that it no cracks. Subject to all the rules surface should receive exactly, without noticeable depressions and mounds. But if you want to save time and effort you can do easier. Some firms, on request, use caissons – metal plates – for forming formwork bowls: one plate abuts directly to the ground, the second is the inner wall of the bowl. In the space between two plates poured concrete – for structural strength. This method, of course, cheaper, but this bowl will turn with sutures. Sutures, however, then sealed and welded, but there is a certain risk: problems with sealing may show up at the most inopportune moment.