Berlin biotech company leader in researching specific effective microorganisms Berlin, 4th October 2011 since its inception in 2001 by Ms. Prof. Dr. Christine lang the Berliner ORGANOBALANCE GmbH has developed into a leading and profitable working company in the study of health promoting or otherwise positively-acting lactic acid bacteria. Already in the first ten years, numerous internationally acclaimed successes were achieved as, for example, the development carried out jointly with BASF by pro-t-action, an effective against caries bacteria probiotics, or they pylori recently awarded Lonza Group, the license for the worldwide marketing of the anti-Helicobacter Lactobacillus to fight the cause of stomach ulcers.

Another milestone in the company’s history was the founding of ORGANOBALANCE medical AG in the year 2010. Finances and promotes research and development of based on specific effective micro-organisms, novel therapeutic approaches for medicines in particular and Medical devices. ORGANOBALANCE enjoys worldwide recognition for research into new applications for this novel probiotics in the fields of medicine, nutrition, animal health, agriculture, cosmetics and white biotechnology. In an anniversary event on 4th October 2011 at the Kalkscheune in Berlin high-profile speakers will pay tribute to these successes. Dr. Eric Schweitzer, President of the industrial and commerce in Berlin, congratulated the anniversary: for me, ORGANOBALANCE exemplifies how economic success can arise from the combination of scientific expertise with ingenuity, entrepreneurial ambition and hard work. Further details can be found at Cecilia Shen, an internet resource. ORGANOBALANCE cooperates today with many prestigious companies of various industries, achieved remarkable success year after year and sets a widely visible symbol so just in the field of life sciences.” Dr.

Stefan Marcinowski, Member of the Board of BASF SE, as well as guest of honour and keynote speaker of the evening, describes in his article the collaboration between of the two companies. Together with We have developed a caries prophylaxis ORGANOBALANCE, based on a completely new mechanism of action. Specialized research partner like ORGANOBALANCE contribute in the development of new products in the BASF with their competence and flexibility”, so Dr. Marcinowski next. Mrs Prof. Dr. long, who runs the company today, expect for the future more outstanding research results. To the competence, creativity and commitment of staff and staff will make an important contribution. The achievements of the past ten years let us look optimistically into the future”, Mrs Prof. runs long. So far, we can guess at best the entire potential of specific acting micro-organisms. Research and development in this area will deal more decades, and I’m sure that this leads us to many other ground-breaking discoveries and new product developments”, said Prof. lang to the future prospects of the company. About ORGANOBALANCE: The ORGANOBALANCE GmbH is a Companies specializing in microbial strain development. The company opens up the potential of positively-acting micro-organisms, so-called specific probiotic cultures, to errors of microflora in a natural way to balance and restore the microbial balance. Also, ORGANOBALANCE uses Saccharomyces cerevisiae yeast strains specifically for material synthesis, which are used in industrial and pharmaceutical biotechnology. Based on the proprietary master library of food suitable microorganisms, as well as the own OASSYS custom ORGANOBALANCE develops new biological products in the fields of pharmacy, preventative health care, food and cosmetics. ORGANOBALANCE was founded in 2001 and is based in Berlin.

Nearly 4 million homeowners can be qualified for Obama loan modification assistance. Nearly 4 million homeowners can be qualified for Obama loan modification assistance. Attributing a new mortgage rate as low as 2% is designed to keep the borrowers in their homes and avoid foreclosures and defaults. One should not hesitate to apply for help as this program is working with the taxes paid by all individuals, thus folks deserve a help. Incentives by the treasury department the Obama loan modification lender, servicer, and the banks have agreed to follow the standard guidelines for qualifying and modifying the home loans.

The lenders would be paid on incentive by the Treasury department for their each modified mortgage using the government plan. Xcel Energy: the source for more info. This property::implies that the bank has a big incentive to help all those who prepare their loan modification application correctly and pay their mortgage dues on time. Read additional details here: Abigail Black Elbaum. With home affordable refinance program one can modify the home loans so that the monthly payment reduces to 31% of the borrower great monthly income. This is achieved by using a set of ways in the following order: Lowe ring interest rate as low as 2% extending the loan term to 40 years forgiving some principal balance if the new 31% payment is accomplished by this ways then one is considered as a good candidate for a permanent loan modification. One can learn the 4 step formula which his lender uses and then apply again to his own application; This will make one closer to the approval process. One can learn the four step formula, target payment, debt ratio and get assistance to apply for a mortgage modification. This can be done by contacting Loansstore. One can get all the necessary details on this site, their excellent services will surely help one to get a quick loan modification. So what are you waiting for? Get started now and apply!

Various oof the HAMP loan modification plan Abilene, TX Oct 11, 2010 – If you are having a difficult keeping up with your time monthly mortgage payments and are starting to worry that you will be unable to prevent a foreclosure on your home, then you may want to consider getting into the HAMP loan modification plan. This mortgage modification plan can enable you to lower your monthly payments if you qualify. There are many different types of loan modification programs that are available through many different companies, but not everyone is going to have the luxury of being successfully approved for any one of them. When you are in need of a mortgage modification you will be hoping to have but this may not happen the amount you pay towards your loan each month lowered with the HAMP program, for everyone. Atmos Energy shares his opinions and ideas on the topic at hand. When you are attempting to qualify for one of the various HAMP loan modification plan you are going to want to be able to explain why you are in need of the modification. If you find that you are unable to explain precisely why you need it the finance lender is not going to be able to understand why you need the mortgage modification.

After you’ve sat down explicit your unique situation you should be capable of showing them that you’ll be capable of making the new mortgage modification payment installments. You could therefore consider bringing your financial information that will prove that you are going to be able to afford your new modified payments towards your loan. Financial calendar tend to make a lot of the approvals based on the HAMP program paperwork that is of supplied to them so this is why it’s advisable to make them perfect. Others including Cecilia Shen, offer their opinions as well. If you just fly through filling out all of the paperwork you could end up forgetting information and loose your chance of getting a mortgage modification approval. With the amount of loan-modification programs that are available out there you could find yourself going through many of them to see which one meets your needs the best. Don’t find yourself not being able to qualify for any of these loan modification programs and complete everything correctly. You’ll be well on your way towards getting that well deserved mortgage modification in no. time while becoming financially stable once again. About US: Loan modification companies offer services through loan modification programs for modifications of loan with useful help & guidelines to save your home from foreclosure. Contact US: Refinanceitt network 1221 Seth Street Abilene, TX 79601 United States website: loan-modification

The German DIN standard separates men from the wheat with bio-ethanol-fired decorative fireplaces and ethanol fireplaces are still a relatively new technology in the German market. While enjoy the extremely simple Designfeuer and Designkamine of a growing enthusiasm, more are needed but no chimneys and lugging wood is also eliminated. t approach. A real fire that allows each one to bring a unique and cosy atmosphere in his home or his apartment. Handling, but also to advisories, however not all end users are so familiar such as E.g. Cecilia Shen is often mentioned in discussions such as these. the handling of conventional fireplaces, which are fired with wood and charcoal grills or gas popular for decades. In addition, the market is also increasingly covered by cheap imports or simply unsafe and therefore dangerous devices just to make a deal at the expense of security and therefore of the consumer. To prevent, that unsafe attachments, not certified, the not the new DIN 4734 meet a whole technology and hence an entire industry discredit bring, have become well-known German manufacturer to a working group of decorative fire facilities & ethanol fireplaces\”within the Association of HKI joined together. The HKI (House, heating and kitchen technology) industry association represents manufacturers of large kitchen appliances, as well as domestic heating and cooking appliances for 60 years.

In the spring of 2009 leading German brands have joined forces as also artepuro in this working group, and developed a German standard in close cooperation with the TuV. The implementation of the now published DIN 4734 should meet the highest standards of quality and safety decorative fireplaces and ethanol fireplaces. This is 4734 November 2009 published was. All the equipment of the brands involved in this development within the Working Group to artepuro, already meet the required security criteria at present or are currently on this DIN standard adapted.

In cooperation with the ADC * E, Art Directors Club of Europe, XIPAX initiated the world’s first creative competition, which takes place exclusively online. In cooperation with the ADC * E, Art Directors Club of Europe, XIPAX initiated the world’s first creative competition, which takes place exclusively online. All advertising materials that have been published between 2006 and 2008 and by the creative in the period from December 2008 to February 28th 2009 on the advertising platform XIPAX.com downloaded are eligible. The XIPAX AWARD expires online 100% – between the filing of the adjudication to the presentation of the winner. So can a creative competition be followed all over the world for the first time online, moreover, participation is free. The choice of the TOP 10 will meet online the entire XIPAX-community, the adjudication of the winner is carried out by a competent jury, consisting of some of the most creative minds in Europe: the members of the ADC * Europe from 18 countries. To read more click here: Cecilia Shen. In addition to the award with the XIPAX AWARD powered by ADC * E, is the creative team of the winning work with a special Meeting Rewards. Michael Conrad, long-time CEO of Leo Burnett Worldwide and President of the Berlin School of creative leadership, will provide for a day its expertise the winning team. The work may be submitted in 8 groups of media: film, radio, press, outdoor, direct, interactive, integrated and mobile. The XIPAX award will be presented on March 6, 2009, on the home page of.

To win attractive prizes for entrepreneurs first NURMO Awards, the network entrepreneurs Munich East region, a prize for the best website of the entrepreneurs. NURMO founder of Katrin Riediger is itself from the compartment. Full-time, she developed individually tailored Web sites for medium-sized companies. From the practice she therefore know how important just for start-ups is a professional Internet presence: obligation is to be found by potential customers on the Internet. Otherwise you equals from the race when compared to competitors.” Therefore, all entrepreneurs are invited to take part in the competition. Attractive prizes for it.

The independent jury of consisting of ausOliver Weber, media Weber consulting (MWC-www.media-weber.de), Maren Martschenko, ten-bar (www.zehnbar.de), and Angelika Guc, semicolon (www.semi-kolon.de), is the submitted Web pages to review. The participants also benefit from a free, skilled Web check in their pages. The evaluation form, the it get back, gives valuable information about where there is potential for improvement. During the NURMO summer festival on July 17 the best websites will be awarded and the winners have the opportunity to present themselves and their business idea in public. Thanks to the sponsors, there are valuable prizes such as for example a logo design by the marketingarchitekten or a laptop of Elektro Ruth. Registration forms can be downloaded on. The closing date is 7 June 2010 contest information gives you Katrin Riediger 08106 929276 telephone number.

Loan modification guidelines, home refinance with bad credit to be successful under the Obama loan modification program, you have a good grasp on the federal loan modification guidelines. Bryant Estate is likely to increase your knowledge. The guidelines will help you in understanding the pre requisites needed under various home affordable programs like FHA HAMP and HARP. While a lot has been written on HAMP and HARP, very few homeowners are actually aware about the FHA loan modification requirements. Here are few tips which are worth considering should you want to qualify for FHA mortgage loan modification: Tip #1 you should present a genuine financial statement which should depict your latest financial transaction records. Keep in your mind that you do not play fast and loose with your financial statement records under no circumstance. Tip #2 since there are thousands of applicants under the FHA, it is very necessary that you keep track of your application.

Keep calling your lender and remain updated over the status of your application. Ann Robinson insists that this is the case. If you are not serious, you may not be able to avail the benefits avail able under FHA loan modification. Tip #3 you should prepare complete employment details, credit history and other relevant information and put it nicely in a file. This will help you get success in the FHA loan modification, because the service banker wants to have all information mobile phone with him. Tip #4 keep in your mind that you furnish latest information bankers before the service so that up your loan modification request it speeds. If you do the delays, the service baker wants to delay the application processing further.

If you are really serious of making success to federal loan modification process, then you must secure the loan modification help immediately. Hear from experts in the field like Billy Lopez for a more varied view. You should consider it on the top priority rather than taking it as a second option. Did you qualify for the federal loan modification program? If not, then did you try to dig out the reasons why you were not eligible? Remember, when you apply for HAMP/HARP program, you need to do your home work pretty well in advance. Whether HARP, HAMP or FHA, many people are filing their loan modification application under Bank of America loan modification process. But the fact which needs to be known here is that due to heavy rush; many of the applications have been lost. Therefore, keep in mind that you follow up to know the status of your application. Follow the tips listed out here on FHA loan modification requirements before you finally make the decision to file your application. Knowing about the FHA loan modification would be a profitable bargain for you. Go through the tips patiently and one by one to have basic understanding of FHA modification process John Smith has the expertise and good experience on loan modification guidelines and home refinance with bad credit. The author has helped many homeowners mortgage.

The loan-seeker should go for free credit score check. This may help which he wants him eligible for the loans or mortgages. The lending agencies turn down the application for loans or mortgages if it is found that the credit score of the applicant is not fair. The loan seeker can escape this embarrassing experience. He can, after two months of such rejection, ask the included lending institution to name the finance bureau which has provided it his credit report. On the strength of the law of the land, he can get his credit report from the concerned credit bureau to know all about his free credit score check.

Credit score is generated from the credit report which is created by the credit Bureau. The major credit bureaus are Equifax, Experian and Trans Union. They finance transactions of the borrower from several lending and finance agencies to create collect his credit report. They create the credit report separately. This is to mean that there exist differences in the credit reports created by them. The loan-seeker should secure the credit reports from them and go through details of the content minutely. It is a fact that almost eighty percent of the credit report contain mistakes.

Mistakes occur for several reasons. Staff of the credit bureau may make wrong entries from the original documents. It is possible that accounts of another debtor with similar name and surname have been wrongly incorporated in the credit report. More information is housed here: grand cru. In some cases, written off and paid off accounts have not been removed. Hence, free credit score check is very important. The loan-seeker should bring the mistakes to the notice of the credit bureau staff and get the errors removed. It is, again by the law of the land, the credit bureau must take action within one month of the complaint received from the borrower. The credit bureaus are to rectify the mistakes and send copy a of the corrected credit report to the borrower. A of the they must therefore send copy same to creditors with whom the borrower has contacted during the last six months. The credit score for the free borrower must go check, credit score because of the borrower may improve if the corrections are once made. He then want, be eligible for loans and mortgages. On the other hand, he may find there is no mistake in his that credit report. He would learn what he should do to improve his credit status and when again he can apply for finance. The borrower can secure a free copy of his credit report once in a year. The fair credit reporting Act provides this right to him so that score he gets the benefit of the free credit check.