Archive for May 2014

Real Estate Ownership Reasonable Protection Against Failure

Whether internal or third-party used, can property in an insurance replaced? One of the core areas of private interest is the protection of own labour power. Currently it is a disaster for the parties concerned and whose family often. Soon, every fourth family is now affected by such a blow. Most believe a known in real estate and commonly used method to the hedging of financial risk, is the disability insurance. 64% Of the respondents indicated in a study of Continentale Lebensversicherung AG however that according to their wisdom also purchased of a real estate protects against the financial consequences of a disability.

These considerations are in no way new, but fueled by a nationwide real estate boom. So currently continuously rise housing prices throughout Germany and break a record after another. That factor is mainly attributable to the currently very low level of interest rates. Admittedly it is in Real estate ownership should stabilize to a somewhat unconventional problem solving for the protection of own labour, so-called concrete gold via ongoing rental income the supply situation of the persons concerned. In principle there are two ways to own such property, alien used or used in-house. Both types of real estate use differ essentially in their suitability to meet the capital needs of those affected. When the owner-occupied property, your own four walls, essentially get no current income in the form of an income, so that no capital power is achieved, which is to provide for a corresponding fee in an emergency in the area. Nevertheless leaves of own-use real estate not often withdraw their benefit is that through private home ownership at least rent payments will be spared a.

This offers a private house although no protection against the financial consequences of a disability, loosens the location but significantly, at least if there is no mortgage. The second alternative is the third-party shared real estate, in this case, the owner is not Residents, but landlord and therefore has a right to rent. Depending on the amount of rental income, this may suffice to at least partially cover the capital needs of the family. This is, the higher remaining real estate debt, the higher spending, which in turn reduces the rental income. Also concrete gold is not a real estate is without risk to a common denominator, whether eigen-or third-party used a sensible investment, here sustainable values are created for individuals. The strategy to cover the own labour alone with real estate is to enjoy but with caution, because here depend on all sorts of factors, such as eradication, rental leases, not least renovation costs of the success of the investments. In General, the income from a Fremdgenutzten are however stakeholders as such as a stock or bond investment real estate. A special prevention of disability can rarely replace a real estate. Who has not the right to buy a house or an apartment, should be on the Worry hedge his income by means of special disability insurance. However, some banks in real estate financing request the proof of such protection. Conclusion: Real estate is as impossible to imagine money plant, whether internal or third-party used. They remain a family in part through generations. To be prepared in the event of occupational disability, real estate, at least for most people, only part can represent a strategy to hedge a fact whose entering remains hopefully saves the most used for this.

Save Monuments East German Cities

Monument guns houses exude charm. They are preferred in attractive inner-city locations and provide a cosy ambiance. Magdeburg, 07.06.2013 – also an extra loving detail speaks for them: you can save taxes with monument real estate. After the Elimination of the housing promotion, the so-called depreciation of the monument has become even more tempting. It is in the last legal chance to participate in the Government on the purchase of real estate. In addition, the Treasury promotes not only investors. Also self users can secure tax benefits. The monument worthy stock in East Germany is doing very high.

For the Magdeburg underwriter Faraman hence the motto: rehabilitation instead of demolition, historic houses instead of containers and car parking. Since 1996, the well-known underwriter Faraman developed profitable fund projects in the real estate sector. The focus is on the direct investment in residential real estate projects and about the MCM investor Management AG on the issuance of pleasure right investments for real estate companies. Competence and experience, with solidity and transparency with the issuing House Faraman has teamed up with 67 successfully completed residential real estate projects and participation in the marketing of more than 2,300 condominiums with a total of 230 million euros, as well as the successful participation of four closed real estate funds investor confidence–including institutional investors – are acquired. “The urban development in the East after the heated debate under the motto we build up and tear down, then ham’ we work again and again” to sum up, the problem doesn’t do justice.

With such problems, Leipzig and Magdeburg as the major cities of the region have not to fight. But here too the emotions by residents, city administration and homeowners high if Cook Grunderzeit houses are demolished in the suburbs. In Saxony, the conservation laws softened in recent years facilitate the demolition project as in many federal States. Minister Tiefensee has now announced the city reconstruction program more on obtaining defining urban homes to steer. So precautionary measures should be, encouraged increasingly as an alternative to dismantling what experts at least as positive signal rate. Because the excavators often roll in, where the public is just not look: in Wurzen, Saxony, and in Eisleben as much is demolished that city seems increasingly perforated. Lacking a well-thought-out traffic planning, which would increase the attractiveness of the city. Despite all the short-term challenges facing just towns more foresight is required, for faster profit is also quickly consumed. Sustainable potential, however, is well-preserved and renovated cities. And where the money for the moment is missing, it takes patience; historic houses should be backed up and get, until the funds for a rehabilitation there are. They’re not eyesores”in the cityscape, but memory and history, without which there is no development.

Honorary President

They consider many criteria before deciding and attach great importance to a thorough and transparent consultation. We reacted when the BuF to, for example, with the 5-star advice. Our independence allows us to check financial products and insurance itself and carefully select, before we recommend it. Are women important sustainable investments? Kris Hauf: Yes, then is asked very often. Our experiences are there with numerous studies.

Sustainable investments help create transparency and enable positive change for the environment and society about the influence on companies. Thus, social and environmental enterprises and projects are funded. Many investors also consult us, because they are comprehensible and clear Looking for information on sustainable investments. For this reason I have in common with Claudia Tober, Managing Director of the Forum of sustainable investment (FNG), a guide and an introduction to sustainable investment created. It can be read in detail, how interested parties recognize sustainable investments. Both are available for download on our homepage. Everything that has to do with money, is a matter of trust.

How can private investors recognize the quality of advice and advisors? Kris Hauf: That is indeed often a challenge for clients and clients. Many important aspects of consulting and financial services can be found on our homepage. For the members of the BuF, quality characteristics are easy to describe: absorbed into our network, for example, only, who has several years of experience in the selection, handling, and the placement of insurance and financial products. These so-called competence is also now starting July 1, 2013, under the new licensing legally required. For a membership of the BuF, was as well as the possession of a property-liability insurance, mandatory since inception. Through conferences, working group meetings and other training we provide for the continuous training of our member companies. Because everyone in the BuF are decided for high quality of advice. That was a goal already in the founding of the Association in 1999 by our Honorary President Dr. Mechthild Upgang. That is why I am particularly, that on March 1 one the founding women of Christina Boker was elected to the Board. About the Association of independent financial service bar grooves (BuF e. V.) and its member companies of the Association of independent financial service bar grooves (BuF e. V.) is a consortium of experts from the insurance and financial services industry, who advise their clients and clients competently and independently from banking, insurance, investment, and investment companies. The BuF attaches great importance to the Qualification, professionalism, experience and independence of its members. On conferences and conventions, these quality features are developed continuously. Because a high-quality advice that takes into account always the individual lives of clients and clients, is paying off. The BuF members have many years of experience in the selection, handling and the provision of insurance and financial products. Build up your assets, who plan retirement, invest money, protect the worker and are considering the purchase or sale of a property here, the support of an independent financial expert is especially in demand. The products that are offered by the BuF members are as diverse as the needs of clients and customers. The financial experts between several thousand mutual funds can choose solely with money and investments. The experts of the BuF are nationwide.

Campfire Cooking – The Best Recipes

At the camp, the kitchen works differently than home good planning at the packing equipment and cooking facilities requirement, so also in the wild food tastes and offers variety. At the camping, the kitchen works differently than at home. It is the whole day in the air. In between there’s usually just something cold. In the evening is it then really so at least you can hear appetite for a hot meal – often enthusiastic campers. Then the partner or the whole family cooking with. This fun and fast.

Because preparations may not take much time. Elaborate cleaning and Snipping of vegetables and long cooking times are troublesome by the disposal of waste resulting from the fact, quite apart. A Varavan is usually well equipped, sometimes with microwave or oven. Here everything can be cooked in principle what is prepared at home. It is different in the tents. Two flames, one can of course no cake and bake anything. Pan or pot dishes with vegetables or meat, NIVA Vegetables, pasta or rice with sauce are, however, possible.

A grill significantly expands the range. Some campsites allow grilling but only in certain areas or not. Holidaymakers should contact previously with this in the course of travel planning. Very quickly, a stew is cooked: vegetable is small cut and cooked in broth. Sausages, bacon or meat cubes are solid investments. No one will boil a bone for a Fund at the camping. Bouillon cubes are therefore the basic equipment – unless you’ve been making a home already a fund or stock, which certainly makes sense. Stir-fries make slightly higher demands on culinary art. The difficulty is that the temperature of the cooker is not always high enough and not uniform. Also, she can be heavily regulated. Here something will burn quickly. But a stable surface prevents an uneven flame, and a Windbreak helps regulate temperature.

The Key To Selling Online

During times of crisis as those who live, people are more interested in buying something more as an investment rather than something we want but which do not really need to see. Consumers not classified this type of purchase as a normal purchase since they will be reimbursed for the money spent. Seems simple, but let me explain a little more. A good example of this kind of articles would be a product that shows how to make extra money from home. Since this type of product is an investment in yourself and will recover invested in the purchase, is not seen as a normal acquisition (which would make us feel guilty). This is what I mean by selling only products that people see as an investment in themselves.

Now, you will be probably thinking: – OK, sounds good, but do I put all this into practice? – to be honest, I’ve learned that the best place to accomplish this is the Internet. Now I will explain exactly how you can use the Internet to do it in the fastest way possible, with results that will cost you to believe. It is actually pretty simple, simply become an affiliate for a product that is already selling extremely well! Don’t worry, is for those who don’t know what an affiliate is, I’ll explain. You sell a product that is not theirs, and earn a Commission for each sale generated. To illustrate the power of sale by the affiliate system, if you win a $50 Commission for each product that sells and manages to sell 100 products, you earn $5000 – is not bad, no? Don’t feel too overwhelmed with all this information, it is really very simple to become in affiliate a certain product. There are many free sites where you can easily create your own affiliate program (it is extremely easy to make, because you will see it) and begin selling immediately. One of these is ClickBank, so be sure to visit them.

They are the most popular site for sale by affiliates with thousands of valuable products offered. The key to be successful in ClickBank is selling investment products to a potential buyer. This is the key to making money online. So: start now! Making money online is not that hard! Did you find this article useful? If so, then visit this page doing CLICK AQUI. It is this page you will find the explanation to earn a substantial income using Internet and affiliate program. You can verify that financial independence is not far.

Holland Fund

MS Stadt HAMELN: 2009 was approved restructuring plan can’t King & Cie. ship funds save again in May of this year a further insolvency application shook the King & CIE ship fund investors. After a rehabilitation concept was approved in the year 2009 not the hoped-for return to economically safe fairway could give embattled King & CIE of yield Fund 38 – MS City of Lubeck, the second ship funds from the home King & CIE due to lack of ability to pay had to join the gang before the insolvency court 2012 already. The present 235 subscribers of the 2004 set King & CIE of yield Fund 38 the total loss threatens now also MS City of Lubeck which in turn supposedly safe and profit bringing invested deposit in the container ship MS City of Lubeck. Auch King & CIE of real estate Fund III Amsterdam North and IV Parkhuis Amsterdam running plan but not only King & CIE ship fund investors must currently fear for their deposits.

The investors of the Holland Fund King & CIE established by King & Cie. in 2003 and 2004 real estate Fund III Amsterdam North and King & Cie. Immobilenfonds IV Parkhuis Amsterdam can analysis the performance of their fund investments according to fund newspaper currently everything else than be satisfied: while investors of 2004 on King & CIE of IV Parkhuis Amsterdam since 2009 to once sure felt distributions real estate funds, investors of the 2003 get out on King & CIE of real estate Fund III Amsterdam North at a premature sale of their funds according to the portal zeitmarkt.de currently barely half of their money invested initially in the Holland estate. One of the reasons for the current slant of both King & CIE of Holland Fund: the record of Swiss franc of running foreign currency loans already themed at this point.

Greenest person in the world can be sustainably reforest acres of mixed forest through Bonn forest finance as an investment Matthias of yellow is the “greenest” person in the world: the German was in a worldwide competition for the “greenest person on Earth” selected. Five of a total of 600 participants from over 40 countries have reached about Onlinevoting in the finals. Matthias Gelber eventually in the final as the winner of the “greenest person on Earth” award determined. The idea of the award is, stars to make people, who go the detour of an environmentally responsible lifestyle, although numerous opportunities are open them, the less are environmentally friendly”, as Simon Fraser, University Professor and founder of 3rdwhale, about the award. Matthias Gelber, who comes from North Rhine-Westphalia and studied chemistry and environmental sciences, is a worldwide popular author and speaker. He is involved with great dedication, to alert the population on environmental issues and possible solutions. In addition, Matthias Gelber operates one Homepage called unavoidable travel is yellow through additional reforestation carbon neutral. With its MALEKI GmbH, he founded a company that specializes in the production of particularly innovative environmentally-friendly building materials.

ForestFinance afforestation as a green retirement plans for the world’s greenest people”: exemplary environmental commitment an investment in ForestFinance that he is encountered in finding for a sustainable pension belongs to Gelbers for years. A visit to the ForestFinance reforestation and mixed forests in Panama convinced him of the concept of the Bonn forest investment provider, he has recommended since in a variety of interviews. Matthias Gelber organically farmed forest, with which he makes his own contribution to the protection of rain forests, climate and local animal – like species has four hectares of ForestFinance. So forest finance searches on exclusively ecological mixed forests, which provide new habitats for animals and plants and manage sustainably. They do not Leach the soil as opposed to monocultures. The high biodiversity of the ForestFinance mixed forests largely superfluous makes this also much less susceptible to pests and diseases and the use of chemical agents. Clear-cuts are taboo during the harvest; Instead, hardwood trees are selectively removed.

“A management concept that Gelber also convinced: I’m thrilled by the idea that my retirement plans, green will be and I therefore support the climate”, explains the environmentalist living in Malaysia currently. About forest finance: The Bonn forest specializes in forest investments finance group, the lucrative return link to environmental and social sustainability. The company became the first German company worldwide with the “FSC Global Partner Award” awarded in the field of “Financial Services”. FSC is considered to be the world’s most recognized eco-label for environmentally and socially responsible forestry. ForestFinance manages for its 8,500 customers sustainably nearly 4,000 acres of tropical forest in Panama and Viet Nam. Interested parties can choose between different types of investment. Annual income offer as future project excellent CacaoInvest and GreenAcacia, with only seven years maturity.

A Special Oil For Special Claims

The H1’food grade’ service oil by Bizerba Balingen, December 13, 2010 in the production of foodstuffs and medicines can stubborn as well as powder and food residues sticking to the machines. No seed, no dirt can come but with the sensitive products into contact. Therefore, special cleaners and oils for cleaning up needed to remove all impurities and maintain the machines. “The H1 food grade” service oil by Bizerba complies with the strictest food requirements (NSF H1) and therefore particularly suitable for daily use in the food industry and the pharmaceutical industry. It lubricates and maintains reliable bearings, spindles and joints and transport chains also used in frozen areas.

It is odourless and prevents therefore the transmission of undesirable odours on the products. In addition, service oil protects the machines from corrosion such as E.g. rust and ensures a high permanent use Aging oxidation stability. Bizerba Bizerba is a worldwide operating, leading in many areas solution providers for professional system solutions of weighing, labelling, information and food service technology in the segments retail, food industry, manufacturing and logistics. Industry-specific hard – and software, powerful network-compatible management systems, as well as a wide range of labels, consumables and business services ensure the transparent control of integrated business processes and the high availability of Bizerba-specific performance features.

Worldwide, Bizerba is present with 41 shareholdings in 23 countries and 54 country offices in over 120 countries. Headquarters of the company, which employs about 3,000 people, is Balingen; further production sites are located in Messkirch, Bochum, Vienna (Austria), Pfaffikon (Switzerland), Milan (Italy), Shanghai (China), Forest Hill (United States) and San Luis Potosi (Mexico).

PIDAS Determines Trends In Service Organizations

Stability and functionality for software in the customer service critical Basel, the 9 may 2013 suggests the increasing importance of customer service as a competitive factor is also the requirements settled in, providing enterprise software and service provider in the field of customer care. The current PIDAS customer study 2013 provides interesting evidence. The service company with offices in the entire region of the roof specializes in the area of customer service building, optimization, and the operation of service organizations in the business and IT environment. Now, PIDAS published the results of their international study. The trend is quite clear away from the generalist in the field of management consulting and to specialized niche experts who are familiar with the complex subject of customer care. This is a central insight of our investigation,”explains Werner Hoppler by PIDAS. Companies that want to improve their customer service effectively, find consultants and service providers here have developed a solid expertise increasingly.” As essential properties, which must have a service provider from the perspective of the companies surveyed, the feature was competence”mentioned most frequently. Practice and the personal contact to the consulting firm the decision-makers in the customer service are also very important.

Also the degree of individualization of services as well as trust between companies and consultants are very important. The manner of communication between service providers such as PIDAS and a company that wants to increase its service quality, is also critical,”Reinhard Paul summarizes. This hardly surprising because only a service provider that communicates professionally with his customers, can occur credible as an expert for service organizations.” The study asked what characteristics from an enterprise perspective software must have, which is designed to support customer service delivers some surprising results. As the most important feature here called the functionality with a value of 9.4 on a scale from 0 to 10.

Project Management

Concentration of project expertise primarily, customers benefit from the combined expertise in Wuppertal, and therefore I am sure that we will continue our positive business development”, shows Managing Director Thomas Kufner with reference to the strong first quarter of 2013. In this period the Wuppertal for example the entire participant management for a week-long press and dealer event realized TG trucks the launch MAN. We could build a functioning and long-standing cooperation with the lead agency Uniplan from Munich”, says Oliver Maitre, and makes clear that guest-one realises not only complete projects. The Wuppertal are especially for their Competence as a partner in cooperation with lead agencies estimated. This also applies to the Premium Club project of Deutsche Bank. In close cooperation for the lead agency Stagg & friends guest-one for the complete management of the participants was responsible. To the renowned clientele Motors Europe the company counted tesa se in the first quarter in addition to Mazda For the automobile manufacturer, guest-one realized a product launch and a press event during the Milan design week.

Tesa, the subsidiary of Beiersdorf AG, responsible for guest-one with a major event of residents under difficult conditions. The implementation time was only 14 days. “But this circumstance was more of a challenge than a problem, says Marcel Schettler: invitation shipping, online registration confirmation mail including a comprehensive voucher package that has everything running smoothly and encountered tremendous response.” A look at the list of new customers documented growth: for Warsteiner Wuppertal have developed an online portal to the Management and procurement of tickets at the Rock am ring Music Festival. “Patek Philippe Germany commissioned guest-one for the project artwork clock” with exclusive customer events and the development of an online portal for the management of invitations. And finally, guest-one organized the participant management of a nationwide Roadshow for Internet portal Immobilienscout 24 concentration on the best site of the concentration of know-how at the new location the three managing directors expect considerable synergy effects: short routes, fast solutions and direct discussions of the project teams were important criteria, to focus the company headquarters in Wuppertal-Elberfeld site also because the long project experience has shown that modern communication can not medium replace the personal contact. The fact that all employees are now working under one roof, offers significant advantages in terms of important parameters such as creativity, innovation, and embark on fast, solution-oriented way guest-one ” know the communication professionals. With the recent move, the structural realignment is not yet completed. A new Web presence is just before the launch. But now it is certain: Gets the history from written on immediately by the Laurentiusstrasse in Wuppertal. The new chapter starts with a development step in the best location and with a clear commitment to the region.