“IBM can manage our non-strategic applications more cheaply and effectively than we can ourselves. And driving applications towards timely decommissioning is encouraging a beneficial shift in our behavior.” – Seán Egan, Chief Information Officer, Aviva

IBM – Partnership drives business focus while reducing application management costs at Aviva (23/11/2009).

Le notizie sulle borse di Finanzaonline.com

“Nel caso dell´area Euro, la ripresa sarà guidata, come sempre, dall´export e dalla produzione industriale, ma rimane il dubbio se sarà in grado di estendersi o meno a tutte le aree dell´economia – avverte Robertson – .

Le incognite di una crescita a basso potenziale, consumi deboli, un tasso di cambio sopravvalutato e una Banca Centrale poco decisa rendono lecite le preoccupazioni”.

di questo sito, vogliate cortesemente consultare il .

Fonte:
http://www.finanzaonline.com/notizie/news.php?id={369AD4AE-EE11-4887-829D-A40E25F22964}

Aviva Stadium, Dublin, set to complete in April 2010

Irish rugby fans who watched their team draw against Australia at Croke Park on Saturday will return home to the new Lansdowne Road stadium sooner than they thought. On August 7, 2010, sports fans will also be part of history, watching all four provinces of Ireland represented in the first game at the Dublin venue – renamed Aviva Stadium.

Dublin’s glitzy new 50,000-seat sports venue in Ballsbridge completes in April 2010 and the first historic game will be an inter-province rugby match – set to be one of the most exciting in Irish rugby history. Munster and Connacht will play against a mixed team of Leinster and Ulster players. Leinster and Ulster played in the very first game at Lansdowne Road stadium in 1876 - and again before it closed for redevelopment in 2006 when Leinster beat Ulster in the “Last Stand”.

Looking for light at the end of the tunnel, sports fans who watched the Republic of Ireland lose their 2010 football World Cup qualifier game against France can instead look forward to South Africa’s World Cup-winning rugby team play their first international in Dublin’s newest sports venue - Aviva Stadium is to host four rugby internationals in November 2010.

With more sports fans set to make regular visits to Dublin to see the state-of-the-art stadium, The K Club – voted Ireland’s No1 Golf & Spa Resort in 2009 – offers luxury stays just 35 minutes from both Croke Park and Aviva Stadium.  

Next time you’re staying at The K Club for sports in Dublin, why not book a Discovery Trip at our luxury private residences of superior luxury – to include family residential golf membership and access to the finest amenities currently available in Europe. One-night tours include a round of golf, spa treatment and a night in our famous 18th century hotel or a contemporary home at Ladycastle Estate in the grounds of the stunning K Club.
Call +353 1 610 7111 or email info@firstlightkclub.com for pricing and details.

Motivate your team at The K Club

Shared ownership specialist Firstlight The K Club is selling one-eighth titled interests in two-bedroom apartments and family-size homes from €125,000. Properties lend themselves perfectly to corporate getaways and team-building exercises where luxury accommodation, spa, shooting, fishing and golf are all par for the course. Tax-efficient purchases will also benefit your accounts. 

Rarely Used list of Girls (2005) only 3 have entered the top 100. Are names really slow to enter and creep or do they suddenly appear at like 600?

Aeron, Aine, Allegra, Amity, Arabella, Ariadne, Artemisia, Aviva, Avril, Beatrix, Britt, Calla, Caprice, Cassia, Cecily, Daria, Dimitra, Donatella, Eleni, Ellery, Elodie, Emeline, Emlyn, Esme, Fifi, Finola, Gaia, Gemma, Hadassah,Hermione, Hollis, Honor, Isadora, Jemima, Junia, Kateri, Kiki, Lark, Lavender, Lilias, Linden, Lyra, Maisie, Mattea, Mehitabel, Melia, Mercy, Niamh, Olympia, Orly, Pippa, Romy, Shenandoah, Shoshana, Stefania, Tamsin, Tayla, Thomasina, Tilda, Topaz, Tova, Vashti, Venice, Verity, Zilla.

Arabella 2005- 795, 2006- 649, 2007- 648 2009-657

Gemma 2008- 888

Hadassah 2007- 996, 2008-988

and the SSA website has gone down for me so I can’t find the rankings for Tayla for the last 5 years?

by Karina Litvack, for Financial Times Adviser, November 9, 2009.

Retail ethical investing celebrated its 25th anniversary this year: in 1984, Friends Provident defied conventional wisdom by launching the Stewardship range of ethical funds, which for the first time in the UK enabled individuals to invest according to a clear set of ethical values.

This fund broke new ground, not only by avoiding the so-called ‘sin stocks’ that church funds had long shunned – alcohol, tobacco, pornography and defence – but also by introducing a new set of social and environmental criteria, such as human rights abuses, discrimination, pollution and deforestation.

Twenty-five years ago, the number of consumers speaking out against unethical and environmentally unsound practices was small and those who invested in this way even smaller.

Today, corporate responsibility, sustainable development and ethical consumerism dominate corporate planning agendas. Investors are playing a growing part in this trend, as companies and financial analysts recognise the impact ethics and sustainability can have on generating sustainable profits.

What started out in 1984 as a quixotic experiment has now turned into a big business, as investors not only intensify their scrutiny of corporate practice, but step forward to exercise their voice and shape corporate behaviour.

Amid the crisis that has struck the asset management industry, the IMA 2008 Asset Management Survey concluded that, despite ethical funds accounting for just over 1 per cent of total funds under management, growth over the years has in fact been relatively strong. Since IMA records began in 1992, ethical funds have grown by an annual average of over 19 per cent, despite slowing somewhat in 2003-08 to a still industry-beating 9 per cent annual growth rate…(continue reading)

Aviva es una de las aseguradoras más grandes del mundo y su sede principal está en Londres Inglaterra. Se dice que a nivel Europa ocupa el puesto número cinco dentro del mercado asegurador, mientras que es la primera del Reino Unido, donde tiene por el menos el 50% del mercado acaparado.

Pero Aviva tiene negocios en Australia, Canada, Francia, Irlanda, Italia, paises bajos, Polonia y España.

Además de ofrecer seguros en general, Aviva posee entre sus productos principales el ahorro a largo plazo y la gestión de fonfos.

Anteriormente llamda CGNU Seguros (insurance), Aviva ha evolucionado para convertirse en una marca global e influyente.

Leer tambien: allianz y google

Today is day 3 of Round 2 of the Aviva Community Fund up in Canada. The slogan of the competition is “Supporting what’s important to you”. Charity CHAMPS is promoting microphilanthropy amongst youth, the most important, but least engaged demographic in philanthropy. That’s important to us!

Also unlike a lot of the other ideas competing for votes, ours has a fundamental online and micro-action foundation which we think there needs to be more of. Philanthropy needs to benefit from the huge changes in technology like every other industry!

If any of these things are important to you (and we hope they are), please vote for us. The money is going to be critical for us hitting targets we’ve set for ourselves!

Vote here:
http://www.avivacommunityfund.org/ideas/acf2300

Check out the new video on our site:
http://www.charitychamps.org/

Mahatma Gandhi quote used to promote Aviva. Insurance company Aviva s Headquarters. City of London.

© Justin Tallis/reportdigital.co.uk

Nie tak dawno (tak jakis miesiac-dwa temu ), Commercial Union sie postanowilo przebrandować (albo po polsku, zmienic nazwe/logo/kolory etc…) i zrobila to cholernie kulawo… Najpierw jak do debili… plansza: i tlumaczenie, ze od dzisiaj blabla bedzie sie nazywac blabla… i na koniec,protekcjonalnym tonem: “Zapamietamy…?” nosz k…. Jesli o mnie chodzi to stracili w jednej chwili klienta we mnie… Ale szybko sie przestalem temu dziwic… Popatrzmy dalej, na co genialnego jeszcze wpadli…

Wszystko rozumiem, maskotki przyciagaja dzieci, jakos tak milej sie nam mysli o kampaniach z udzialem jakiegos misia, kotka, slonika czy innego boguducha winnego zwierzecia, ale, za przeproszeniem, co, do ch… wafla, to ma byc? Szczuro-wiewiorka na trawce?

Ale niech sobie dalej w kolano strzelaja.. widac lubia… to pikuś… Pan Pikuś…

Potrivit Legii, nivelul contribuţiilor virate către sistemul privat de pensii trebuia sa fie in primul an (2008) de 2% si sa creasca ulterior cu 0,5% pe an, pana la 6% din veniturile brute ale participanţilor în 2016. La inceputul anului 2009 insa, Guvernul a emis o ordonanta prin care ingheta nivelul contributiei la fondurile de pensii private la valoarea de anul trecut, de 2%.

In luna februarie ambasadorii Olandei, Germaniei, Italiei, Marii Britanii si Statelor Unite ale Americii au semnat o scrisoare comuna care atragea atentia autoritatilor privind efectele negative multiple ale propunerii de inghetare a contributiilor virate catre Pilonul II de pensii private obligatorii din Romania. Ramanand fara ecou pana acum, dar si constientizand faptul ca Bugetul pe 2010 se afla in lucru, organizatiile care reprezinta investitorii straini in Romania au trimis zilele trecute o scrisoare deschisa autoritatilor prin care se solicita ratiune in stabilirea nivelului contributiei pentru pensia Pilonul II de anul viitor si prudenta privind adoptarea de masuri populiste precum “garantarea inflatiei”.

Camera de Comert a Olandei din Romania, AMCHAM, Consiliul Investitorilor Straini, precum si Camerele de Comert ale Italiei, Elvetiei si Marii Britanii din Romania au decis sa adreseze o scrisoare deschisa premierului Romaniei si ministrului interimar de finante, privind sistemul de pensii de stat si cel privat. Semnatarii scrisorii afirma faptul ca fondurile de pensii au investit aproximativ 500 de milioane de euro in Romania in sistemul de pensii administrate privat (pilonul II), iar nerespectarea promisiunilor de catre Guvernul Romaniei ar putea duce la o imagine proasta a acestuia in fata investitorilor straini.

Mai mult decat atat, organizatiile catre reprezinta investitori de calibru precum Generali, Interamerican, ING, AVIVA sau AIG au precizat ca fondurile de pensii au obtinut randamente foarte bune in Romania prin comparatie la nivel mondial, de la lansarea fondurilor de pensii in mai 2008 si considera ca inoportuna masura privind garantarea de catre un fond de pensii a unui randament cel putin egal cu rata inflatiei, pentru ca aceasta garantie ar atrage dupa sine mai multe costuri asupra conturilor participantilor. E normal ca orice garantie oferita de o companie sa creasca costurile unui cont de economisire pentru ca acea companie isi asuma niste riscuri suplimentare si, pe langa acest aspect, compania sa nu mai fie dispusa sa investeasca aproape deloc banii participantilor (preferand “investitii” sigure precum obligatiuni sau depozite bancare), acest lucru traducandu-se in randamente mult mai mici pentru clienti.

Razvan Pascu

Finally completed one of my least favourite jobs for another year: buying insurance. It doesn’t seem to get any easier, even with the internet and all the price comparison sites. Now there are cash back sites to take in to account as well! Of course it’s only an issue because a competitive renewal quote is apparently too much to ask*. If an insurance company is going to make me haggle with them for a renewal, they’re going to have to do pretty well to overcome my sheer bloody mindedness to go elsewhere on principal. So goodbye Aviva then!

I phoned to encounter the usual menu system, only these days you get to speak the answer. Unsurprisingly the voice recognition didn’t do too well with my request to discuss car and home insurance, and I had to point out it was only a computer a few times before it gave up and put me through. I’d gone with Aviva last year because they had a discount for having both policies with them, but that doesn’t mean they can actually cope with discussing both at the same time. Must be on a whole different web page in the call centre! The first lady I spoke to could only handle home insurance, and give her credit, she did reduce the quote a bit before putting me through to the car insurance line… which was a complete waste of time. He seemed a bit surprised that I wasn’t just phoning up to pay and wouldn’t even contemplate the idea of reducing the price- well done, you just lost car and home insurance business!

The search for a new deal was all fairly standard stuff (web site designers please note, I’d much rather type a date than picking from a list of years as long as your arm!) however I do think companies are losing a lot of business with their unhelpful web sites. I filled in what seemed like an endless stream of almost identical (or in some cases only barely rebranded) forms and at various points just aborted because, basically, computers are dumb. It would be nice to fill in most of the details online but request a call to finalise the process; better than answering a ton of questions on the phone, but with the ability to have any questions answered and do a bit of haggling with a real person.

(* Until recently I’d been lucky enough to renew the same car insurance a few years in a row. That was until I had to make a small claim, whereupon their quote shot up which is just bonkers. Given the number of years I’d been paying insurance without making any claims, you’d thing they’d want to keep me to get some of that money back! Spreadsheet says no though, so someone else is getting the money they could have had.)

I’m happy for my gags to be passed on to others who may enjoy them, but please credit me, my blog, or my Twitter in doing so. Also, please refrain from posting these jokes onto any gag compilation websites. Thanks.

That Aussie show with the blacked up Jacksons, now Strictly, which racism-controversy show for Harry Connick Jr to appear on next?

Scotland must be a vampire’s nightmare. Nobody with unclogged arteries. Even if they pounce on a slim victim, they won’t find a vein. It’ll be a junkie.

Rangers manager Walter Smith says HBOS are running the club. Honestly. They fuck up our mortgages and our pensions, and now the bastards are playing one up front at home in Europe.

The BNP’s Glasgow NE candidate says the party should remain white-only. Perhaps missing the point that the constituents’ question will be “white Protestant or white Catholic?”

I hope Aviva have insured Paul Whitehouse against a massive fall in the perception of his comedic abilities.

Oh! Royal MAIL on strike. Not Royal Male. I did wonder how Andrew intended to do any less.

Top selling kids Halloween outfits this year include Judge, Chef, and Surgeon. Proof kids find nothing scarier than having to get a job.

Jacko family say new film “This Is It” uses lookalikes. It reminds us that one of his greatest achievements was creating a truly multiracial lookalike industry.

Kerry Katona’s husband is said to be offering pubs personal appearances from her for £50. That’s like trying to sell kebab shops personal appearances from… Kerry Katona.

A female Saudi journalist has been sentenced to 60 lashes for making a TV show in which a man discussed sex. If she fakes orgasm during the punishment, will the lasher be lashed?

Andrew Lloyd Webber has been diagnosed with prostate Cancer. A Scottish doctor mate has told me that will severely disrupt his flow of pish. So no new musicals for a while then.

On the plus side for the Rangers team, if they’re run along the same lines as HBOS…they should be on some pretty good bonuses every time they suffer losses.

Jordan is said to have asked her cage fighter boyfriend for space. Greedy bitch. Most women would settle for a planet.

He’s apparently begging her for a second chance. He’d be devastated to lose her…wardrobe.

You can see me on Thursday 29th of October headlining Hootenanny’s in St Enoch Square, Glasgow. You can also hear me on BBC Radio Scotland’s MacAulay & Co on Friday 30th of October 11.10am-11.30am.

Teddy x

A sad story on the BBC News website today. Well, sad if you’re Harry Enfield.

The, ahem, “comedian” has had his jokes stolen.

Apparently, ideas for his new comedy series with Paul Whitehouse, due to air next year, were on his laptop – which was then stolen from his wife’s car.

Now, in our humble opinion, it is a long time since Harry Enfield was funny. Paul Whitehouse was funny in The Fast Show, but not with Mr Enfield, but the latter’s influence has obviously rubbed off (in a non-smutty way) on Paul, as his absolutely dire TV adverts for Aviva have shown.

But the last series of Harry & Paul had us rictus-faced with its borderline misogyny and “look at me, aren’t I talented/funny/wonderful” looks from Harry.

So in our books, the thief has done the world a favour by stealing the ideas. Perhaps the BBC agrees, as a spokeswoman commented:

“It won’t impact on filming for the series.”

Well, it certainly won’t make the series any worse. It might make it better – no jokes rather than bad jokes.

Obviously, the person who stole the jokes agrees.

He’s valued the contents of the laptop, together with the actual computer, at £750.

Harry has so far refused to pay the ransom – perhaps even he realises the jokes just aren’t worth it.

In 2007 a fost lansat cu surle si trambite pilonul II de pensii, acele pensii administrate privat, sau pensiile obligatorii, asa cum sunt ele cunoscute (cele cu 2%). Pe scurt, pensiile obligatorii sunt in special pentru cei sub 35 de ani dar si, optional, pentru cei intre 35-45 de ani. Pentru aceste pensii nimeni nu plateste in mod special, ci pur si simplu angajatorul isi plateste darile la stat, iar statul iti inapoiaza o parte din bani, dar nu direct, ci prin intermediul fondului de pensii ales de tine.

Primele contributii au inceput sa fie platite in mai 2008 si de atunci ele ar trebui sa fie platite luna de luna, atata timp cat ai lucrat continuu in aceasta perioada. Si pentru ca totusi suntem in Romania si este foarte posibil ca fie angajatorul tau sa “uite” sa isi plateasca taxele la stat, fie Casa de Pensii sa “uite” sa vireze banii pentru un participant, este mai sigur sa verifici lunar daca ti-au intrat banii in cont.

Majoritatea fondurilor de pensii administrate privat au lansat platforme online de vizualizare a conturilor. Aceste conturi se activeaza si se folosesc precum o casuta de e-mail, adica primesti un user, o parola (si eventual un alt element de siguranta) cu care te poti loga si intra in contul din care poti vizualiza informatiile despre actul tau de aderare.

Asadar, pentru a verifica banii acumulati in contul de pensie obligatorie, in functie de fondul de pensii pe care l-ati ales, puteti folosi urmatoarele linkuri:

• Pentru ING Fond de Pensii: click aici
• Pentru AZT Viitorul Tau – Allianz: click aici
• Pentru Eureko Fond de Pensii: click aici
• Pentru Aripi – Generali: click aici
• Pentru AIG Fond de Pensii: click aici
• Pentru BCR Fond de Pensii: click aici
• Pentru Pensia Viva – AVIVA: click aici
• Pentru Vital – AEGON: click aici

Razvan Pascu

In the past few days, we’ve passed through two endings, one incredibly (and enduringly) sad, another – today’s – very happy.  Today my darling bride wrote her RN (nursing) examination and, given she’s rather brilliant, will surely learn in a few weeks that she is now a fully-qualified nurse.  So tonight we raised a glass to her success, to a team effort, to our family.