Archive for June 2014

Collision Damage Waiver

In all respectable amount of insurance companies Risk "hijacking", "damage" and "third party liability" once included in the tariff. The contract for the rental car the familiar Russian car owners, the term "hull" looks like an acronym cdw (Collision Damage Waiver) and tp (Theft Protection). Note: in Contracts drawn up in an unfamiliar language, the client must be an English transcript of terms. The biggest insurance – cdw – exempt from cost recovery vehicle damage resulting from road incident, even if the accident occurred due to the fact that the driver has flagrantly violated the rules. The only condition the payment of insurance is that the driver at the time of the accident was not drunk. For peace of mind to companies take about 5-6 euros per day of hire, and this money is already included in the tariff. However, insurance does not work if in an accident while driving will be a man, not specified in the lease. For that to include an additional person in the contract have pay: 10 to 30 euros for the entire lease term, depending on the company.

Insurance tr limits the liability of the lessee in the event of vehicle theft. In this case, the tenant must remain documents and car keys to his can not be suspected of complicity. The cost of such insurance, about 6 euros, too, is already incorporated in the price of the day of the lease. It is worth remembering that in most firms, clients are offered the so-called insurance with a deductible: a case minor accidents client himself will pay the car repair.

Southern Finance AG: Real Estate Investment Lucrative Investment Alternative

Southern finance AG provides audited return on real estate investors Regensburg in August 2010. Rising rent prices, long-term positive development the yield potential of top real estate in urban areas is becoming increasingly clear. The decisive prerequisite for a successful direct investment in residential or commercial real estate remains a professional advice. The South finance AG since 1996 in the real estate sector and gives investors and owner-occupiers. The investment in real estate is not only one of the krisensichersten investment alternatives but also expected to one of the rentierlichsten.

This is confirmed by new statistics to the real estate market in Germany, which were recently presented by one of the leading nationwide mortgage. As the latest figures show that the real estate prices in comparison with the same period in East and West German cities are surged 7 percent in Stuttgart and 11.1 percent in Dresden by 4.4 percent in Munich. This long-lasting continues according to the South finance AG on the market for residential property Trend, which already in the first months of this year clearly emerged. The date for the entry into the real estate market appears so ideal for private investors, especially as also the rent prices in the metropolitan areas a clearly positive development reveal for quite some time, as the South finance AG. In the South finance AG’s service portfolio, advice on real estate matters and providing ROI-generating opportunities constitutes an essential element for many years.

The South finance AG in line with a modern focus on sustainability applies strict quality criteria in the selection of the eligible objects. So the experts of the South finance AG on inspections on the spot check not only buildings, architecture, equipment, and rehabilitation State, but also a variety of data to the micro – and macro location in the review with a factors that apply are for the quality of living and rental of equally vital importance. Other relevant criteria are ecology and economy, but also the South finance AG Object support or any monument status of the building. With this intensive selection process, an advantage that both owner-occupiers and investors benefit from the South finance AG creates the decision security required just for the real estate investment. Households can by the real estate professionals of southern finance AG at any time current objects in locations throughout the country learn about leave and personal advice appointments. About the South financial AG experience & tradition in finance the South financial holding AG is a holding company of the South financial group. South financial financial assets sales AG’s core business is the provision of carefully selected financial products and investments by third-party. Especially in the area of interest, the South finance AG has special experience, in particular in the private provision, as well as in the transmission of monetary systems through independent sales reps. Only independent financial advisors with a sound use the services of southern finance AG Experience and expertise in the financial industry. Also, the mediation of the sale of real estate, especially listed condos, and real estate-related services belongs to the business activities of southern finance AG. The South financial brand of Unitis specializes in the sector of car and is a recognized expert and now as one of the largest specialty distributors of in Germany in this area.

Sales Success Despite Regulating The Entire Investment Mediation

On April 06, 2011, the Federal Cabinet adopted the regulation of investment brokerage and thus opens up a new era in the investment advice. GOING PUBLIC! Academy for Finanzberatung AG reacted and organized free future workshops for brokers, advisors, and companies nationwide from may in 13 cities. In addition, the special experience of the GPC group are contributed by a further speakers (GPC tax tax advisory firm and GPC Law firm). On 6th April 2011, the countdown for the regulation of investment mediation begins with the adoption of the draft of law for the amendment of the financial investment intermediaries and investment law”. For investment advisors, brokers and business representatives organized GOING PUBLIC! “Academy for Finanzberatung AG free future workshops sales success in spite of regulation of the entire investment mediation”. All consultants, investment funds, closed-end funds are affected by the new regulations and provide other investments. The demands on the consultant dramatic, since including the information, consulting and documentation requirements of the securities trading Act 1:1 “should be adopted. The regulation has therefore not only impact on everyday advice, but also on the qualifications of the personnel and the viability of numerous business models.

Investment brokers who now to prepare the regulatory catch get a lead, you can use sensibly at the end compared to the competition.”said Ronald Perschke, Board of Directors of the GOING PUBLIC! Academy for Finanzberatung AG. While many brokers only deal in force of the law with the new requirements, prepared advisors can actively integrate their customer base and expand. We want to help our customers and actively to assist.” The planned requirements of the intermediary are comparable to the insurance broker right: permission, registration, Chamber of Commerce certificate of competence (however without old rabbit control), asset liability insurance consulting documentation and information obligations as per 31ff of the WpHG. The Board of Directors of GOING PUBLIC! Ronald Perschke and Wolfgang Kuckertz questions on the workshop including: what’s coming through the regulation on me and my employees? Which inventory and transition periods apply? What qualifications are required to comply with the guidelines? How do I win sales employees in the future? How do I make my broker business valuable? The information and consultation obligations do I have? Legal and tax issues are Oliver Korn by the GPC Law Attorney and tax advisor Daniel Ziska by the GPC tax explained. Both speakers have years of experience and a high level of expertise in the financial services industry. GOING PUBLIC! is in May and June in thirteen cities Germany wide on the road. Extensive and product-neutral information on these topics get advisors among others in Berlin, Frankfurt am Main, Hamburg, Cologne, Munich and Stuttgart.

Aacaeu AG: Increasing Life Expectancy Will Lead To Changes In The Investment Strategy

The citizens in Germany are always older reasons for increasing life expectancy are early detection of diseases, as well as better chances of recovery even in severe disease. Scientists of the University of Cologne have taken this now in a large study under the microscope. The numbers are interesting, barely discusses the effects on the social system in Germany. In any case the rising life expectancy has great influence on the life planning”, says Richard A. Wandl as CEO of aacaeu AG. The aacaeu AG is one of the pioneers in the financial services industry in Germany. In times where still was led to believe the citizens, the pensions be sure, rima already opened my eyes to many citizens. It comes us only, to improve the quality of life of our customers and optimize their pension and old age security”, so the aacaeu Board of Directors Waho.

RIMA went so far and has to legally protect the company name and business concept. The brand rima stands for individuality, quality and Exclusivity. According to the results of the statistical surveys of the University of Cologne-born girls in the average this year will be at the age of 92.7. The life expectancy is 87.6 years in boys. Every fourth girl has the chance, to be over 100 years old. But today 65 will benefit from better medical conditions.

So, the life expectancy of today 65 women rose to 88 years and that of men on 84. But even for the now 80 years life expectancy rise constantly. So, today dedicated women and men live normally ten years. Many of these aspects are important for the retirement planning”, so the aacaeu AG Management Board Waho. This statement is true in any direction. Because the planning should take into account, sufficient private was made in addition to the statutory pension and a possibly existing occupational pension. Finally you want to not sacrificing precisely at the age existential things, such as appropriate medical care and can be covered securely in the future not only by the health insurance companies”, explains the aacaeu AG Management Board. Finally one should take into account, that just with rising life expectancy risk developing go, often up to the care case. Also this must be prepared accordingly”, so the aacaeu AG. The aacaeu AG offers therefore a consistent all-round advice for all life situations, which take into account also the so-called longevity risk. Understandable and easily implementable strategies provide solutions for almost all areas of life. For more information,


During the works it was possible to verify the quality of life, of the seated ones taking in consideration the real possibilities of social insertion of the families; the profile of the familiar agriculturists; the contributions promoted for the Pronaf in the nesting; the contributions of the MST and the Pronaf, while politics public, for the best social organization e, reach of better resulted, social and economic. During the research questionnaires had been applied, that had served of subsidize for analysis of the questions evidenced before and during the works and had been constructed the analyses to know the improvements in the quality of life of the familiar agriculturists. The reached results indicate the necessity of taking of new incursions on the part of the State, with others complementary public politics ahead of the challenges ranks in the present time. PALAVRAS-CHAVE: Nesting; Social organization; Pronaf. * Graduanda of 7 period of the course of social service ABSTRACT This work has main objective you assess the contribution that the PRONAF – National Program of Familiar Agriculture led you family farmers in Pink Settlement Luxembourg, located in the municipality of Estncia/SE, you the improvement of living conditions of the same, since the credit line is used will be purpose of stimulating agricultural development, the strengthening of family agriculture, social inclusion, employment and income generation well, you establish the standard one will be sustainable development, seeking you reach levels of satisfaction and well-being of farmers you produce new model of agriculture into the local environment.


The next President will find a country weary of see steal each year in their noses the phenomenal sum of 7 billion pesos and it will claim you not give a millimeter of advantage in the combat against corruption. And this is a crucial issue because corruption has affected all social classes and has permeated all the activities developed by the company, the next President will govern a country where more than 20 million poor and more than 8 million homeless people will require you the fulfilment of that objective of the Millennium never most mentioned in the campaign and which States that by the year 2015 there will be no more than 28% of the population in a situation poverty and 8% in extreme poverty. The next President will find a country where 3 million displaced persons require urgent attention to address their basic needs and live in more depressing than the destitute conditions, pressing the cities that have received them to invest unimagined amounts of money to give them drinking water, housing, education and health. The next President will receive a country with diplomatic relations with its neighbours in critical condition and tendency to worsen, which will require strong and firm in dealing with Chavez and Correa, hand but also total normalization of trade with these countries brethren. Which of the already scarce three candidates practicing, according to the latest polls, Mockus, Santos y Nohemi, that has the qualities, firmness, experience, knowledge and the will necessary to overcome these and many more challenges facing the country? Which one is most suitable for all Colombians, but also to the huilenses in the current time? A long month in which each voter will take a decision hopefully only guided by the highest interests of the nation.

Vocational Guidance

Each year, not so long ago, former students think to go to college. And God forbid, if a young man confident in any professional he's going to learn! And what would you do guys koie could not decide who they want to be? But at the same time, free time on second thoughts just do not have! After all, as a rule, prospective students start to think about choosing a future profession in the last minute. Very often it happens that, nibble granite science, 5 years is no longer a young man in one moment, begins to realize that the profession, tricks which he so eagerly grasped all these years, did not grant him satisfaction! To avoid this, consider choice of specialization has a happy miga send documents to the university! Who will surely choose a specialty? Ok, when you are sure of what professional business you want to be! Fine, if you have little experience a desirable profession! Do not worry if you have not yet decided on the career choice! Make the right decision will help you test for professional guidance. These online tests to help determine your fine inclinations and talents! Have to have professionally built professiograme, you'll be able to easily determine the choice of a suitable profession for you! As a great help? Test for career guidance, is the result of which lasted a couple of decades, accurate analysis of the hidden sides of the most common occupations. At the time this analysis took into account the personal character traits that give enable a person to a hundred percent better perform his professional duties! And yet, been taken into account such aspects of the question, how a person experiences work satisfaction. Ps I think that every future student must pass a psychological test to choose a profession. Just do not need to take the verdict of the psychological test as an order! Remember! Choose you, and if suddenly you do not consider true what he says you the test result on career guidance, you can easily ignore such data.

International Moscow Bank

Expert on credit risk is especially high demand in organizations that provide loans to small, medium and large businesses. In this case, issued a much more considerable sums than with consumer credit. There is a need for additional controls, which carries out the officer. Its main responsibilities are to analyze the creditworthiness and financial standing of potential clients, prepare opinions for the credit committee of the bank, the creation of proposals to minimize and limit credit risk. By According to the specialist unity Finance, the main requirements of such an expert are "experience in the banking and credit sector by 2 years of age, knowledge of the regulations of the cbr and business accounting, as well as the ability to analyze financial and economic activities of companies.

From the personal requirements necessary to note an analytical mind, systematic thinking, good organization. " Lack of professionals involved in credit risk, says general manager of the St. Petersburg branch of the International Moscow Bank "Alexander Konyshkov, explaining that it is also a new direction for Russia. In this regard, frequently at the office expert on the credit risks invited other specialists of the financial profile going intra-firm learning the basics of the profession. Not to pardon executed the job of credit risks is aimed at ensuring that all its loans repaid on time. However, in practice it happens does not always return credits – a fairly common situation. To combat this phenomenon called the representatives of another new specialty – collectors (collectors of overdue debts from England.

Turkish Waste Management

Opportunities for German companies in the Turkish market to enter missing EUR 12 billion investment in the Turkish economy of waste, to be able to implement the EU regulation and until 2014, gradually, to achieve a recycling rate of 60%. Due to funding problems, the area has been neglected so far, and a national program is waiting. Waste per person annually approx. 430 kg is produced in Turkey. In the past, you as a whole were stored 25 million tonnes of waste due to missing garbage disposal technique mostly on wild landfills. In addition, only 1% of the waste is separated so far compared to Germany and recycled. In addition, at the time only a waste incineration plant for hazardous waste exists.

By 2012, therefore the number of regulated landfills (from 15 in 2003) is expected to increase to 130, more waste recycled and built more incinerators. Turkish local authorities are instructed in the implementation but on private investment and expertise from the outside. Modernisation as Chance offers great potential for recycling and environmental technologies of Turkey specifically German investors the opportunity to enter the sector for German companies. Modern waste management systems are needed, so that in the future a comprehensive separation and processing of recyclables is possible and finally can develop a circular economy. Support for the market development of the Federal Government and the EU awarded grants in the field of waste management for external activities. In addition, the imap Institute has in-depth expertise in international investment management. It supports companies in the project administration, in drawing up the proposals so- as in the sales partner search.

The intercultural consultancy was founded In 2002. IMAP is divided Since then in four business areas: International Economics consultancy intercultural marketing integration work intercultural training the imap Institute interculturality considers economic and social potential, society as companies can profitably use. Just Germany as a leading exporting country benefited. IMAP builds a bridge to Muslim cultures with his consulting portfolio. The intercultural imap team is characterised by its expertise on the social, cultural and economic relations and properties of Turkey, Iran and the Arab world. The consulting services range from the conception of integration strategies in Germany to the successful deal between German companies and their partners in the target countries.

Investment Gold: Interesting Details

Gold as a financial asset on the Internet Act… The price of gold rises, then pleases the gold owners in particular. However, the precious metal in any form as a financial investment is suitable. There are investment gold should always in the highest possible purity and as bars or common coins. Surely gold medals or gold jewelry can be very expensive and especially valuable, what is the gold content, but sale to pay a much lower melting value when compared to the investment gold get. But attention not only in the sale, but also for the purchase of investment gold is important. Above all, you should pay also not too high premiums that are higher than the actual price of gold.

Collector coins, eliminated according to this such as the 20 gold mark pieces of the Empire and also euro – pieces of gold as investment gold. But you can defy inflation with investment gold. Gold investment coins gave generally a purity grade which is higher, however, but a much lower price per gram in the form of collector coins. Her weight always lies with an ounce or it weighs a fraction of that. Thus a slight global feasibility is possible because every purchaser knows this coin and can check them. It is so that they have a higher price/gram compared to 100 grams of gold bullion, investors thus invest small amounts directly in gold at smaller gold coins to a quarter or even a tenth ounce. In addition, you have the advantage that you don’t need to sell a gold ingot, if the gold investment to be liquid, because it takes money. For larger amounts, you can buy usually investment gold in the form of 250, 500 or 1000 gram gold bullion.

Most of the time but it is business holdings, where the gold bars are located. The price of gold on the world in US dollars/ounce or kilogram also will be traded. So can be more easily traced, how much the investment gold is actually worth. Investment gold worth in uncertain times.