Jens Heidenreich

Posted by marmara on April 28, 2017

The holdback is the retention of the insurance company to its distribution partners, to protect themselves against claims losses in the cancellation. Normally increases with each new Commission claim, subject to a liability that the holdback, and with any early termination, the paid closing costs recovered by the intermediary. The insurer remains always intact, rather transfers risk to the client and the broker. The termination of insurance contracts appears for the insurance industry rather the norm to be the exception. Experts say that at least 70 per cent of all contracts be resolved ahead of time. Due to the mostly low buy-back value of life insurance policies or annuities, many euro lost the insured upon termination.

In the particular case of unemployment, many seem “Citizens to act prematurely because they think that the valuable assets from life insurance in any case, for example, the income from Hartz IV” is applied. This is so wrong. Although all contracts are subject to, before the actual expiration or retirement usable (i.e. cancelled) are the so-called recoverable assets. These include conventional”capital forming life insurance.

You belong with their time value (buyback) to realisable assets, because there is a right to terminate the contract according to the conditions. You can check these free of charge on. Contracts, whose recycling would be uneconomic or would represent a special hardship for those affected are an exception however,”explains Jens Heidenreich project-LV doctor. The exploitation of a life insurance policy, whose buy-back value is more than 10% below the sum of paid-up contributions is considered to be uneconomical. It is to assume the guaranteed buy-back value. We believe that this applies to the majority of insurance companies, because surveys by LV doctor show that many life insurance companies not even after ten years and more the contributions refund. Rather, it is the rule that the must hang insurance basically up to the proposed expiry date, then to get his contributions and interest, that just balances the loss of inflation”explains the LV-doctor-chef. Life insurance companies cancel, but with LV doctor”, is therefore the motto, explains Jens Heidenreich. LV doctor advocates as a project of the Swiss proConcept AG injured insured. Because the proConcept AG is an international company which specializes in the repair and elimination of scattered damage. We are of the opinion that the surrender values paid by the insurance company when most contracts were calculated incorrectly and therefore, however, proceed,”Heidenreich said. For individuals, this means its a risk perception Interests at the termination and readjusting a life or pension insurance. Also occurs as an often higher redemption value as in a stand-alone termination of life insurance. It is also important to mention that this is possible even for already announced insurance companies.

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As Shopping With The Children Without Dying In The Attempt

Posted by marmara on April 28, 2017

With our so overloaded schedules and the short time available, sometimes we have trouble finding a niche for shopping. If above, we are accompanied by children, the situation still may complicate more. I will give you my tricks for shopping with young children with a smile, taking advantage of the time and having fun. Try to go to an area where you have several establishments you are interested together to take advantage of this time. Revises schedule stores, looking at it on the internet or call the stores. With the information you get get a map and teach it to your children. So you know how many stores will go, in what order and how much time will be. If you purchase any product online, do it.

If you find it cheaper, it is worth buying from an online store, so won’t have to take the car, bus or having to queue and you will receive your purchase comfortably in your House or in the place that you’ve stated when placing the order. Give them to eat before leaving home and that go also to the bathroom. So everyone’s energy level will be high and at least for awhile you can dedicate yourself to buy. Bring some snacks or healthy snacks in the bag just in case. With two young children of 6 and 4 years I can not forget the bottle of water, the zumitos and a bag with nuts and fruits, dried figs, raisins or prunes.

A good alternative are also fruit such as Apple or banana. It involves children in shopping. Ask them to help you to find a particular garment, that you find the shortest queue or anything else that comes to mind. The challenges and adventures like children. You can offer a small reward if their behavior has been good for shopping. They can be from a couple of crackers, a small book or any other award that they like. With this period of so many purchases, these tips will allow you to organize and schedule them better and ensure that children are our allies in these outlets. Original author and source of the article.

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Social Media Is Communication

Posted by marmara on April 23, 2017

Digital dialogues are Abziehbildchen our experiences from everyday life if you use social networks for your marketing, you’re in a conversation. In my experience you need (not only) for the social media communications, is knowledge of human nature, the ability to put oneself in others and certain critical factors to be aware of when you have aimed to establish a connection with its customers and to establish a communication layer. You don’t need what we don’t have,”I once read on a menu and had to chuckle. I find confidence appealing. On my menu as a social media consultant have you will find no tricks as you can come within one week to 1000 fans on Facebook. There are no panaceas.

This type of objective is in my view completely on the potential of this medium by and makes a number of people. Apparently the more the merrier. This sucks. There are numerous consultants, the 20 points to marketing success with Facebook”as an E-book give out. Mostly, there are tips on the behavioral and describe what you should note about and do. The tips are sufficient, for a start in the sense of a checklist if you took his Facebook in operation.

For more it is not enough mostly because but also. In my experience you need (not only) for the social media communications, is knowledge of human nature, the ability to put oneself in others and certain critical factors to be aware of when you have aimed to establish a connection with its customers and to establish a communication layer. You know it: you don’t learn in one weekend. Can some people do that intuitively. There, I can pull just the hat, because that was not put me in the cradle. I and others have to learn it. For myself, was and is a way of full knowledge as man and consultant, I would like to pass on here.

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International Organization

Posted by marmara on April 14, 2017

The latest ISO Survey published by the International Organization for Standardization (ISO), for the year 2008, throws a few data that we consider very indicative that our country has decided to abandon previous habits of pure beings from other countries from Audea information security and has decided to placed at the head in the field of information security. Otherwise in the light of improving the position of Spain in the top could not deducted ten countries with largest number of ISO 27001 certifications around the world. Thus, if in the ISO Survey of 2007 we were the ninth position with 93 certificates, in the 2008 Edition we situate us already in eighth position with a total of 203 certifications in the reference for the implementation of an ISMS standard. This breakthrough in a post, which might seem little, is truly significant, because aside from assume an increase of more than 100 certificates in a year, it makes that Spain has already passed to United States in certified SGSIs. Vida Vacation is often quoted as being for or against this. Since some time ago, our country is betting very seriously on the privacy and security of information, and data discussed today do not only confirm that this commitment is not a question of fashion but a real awareness that treatment of information, either corporate or personal, customer must have proper mechanisms that ensure its integrityavailability and confidentiality.We must continue in this line that undoubtedly us placed at the forefront in protecting the information around the world.

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Next Apple Coup Rumors

Posted by marmara on April 1, 2017

Already known facts and Spekulationne Tablet PC Apple each new product from Apple is a closely guarded secret until the release date and creates space for rumors and speculation. So even with the new iPad mini Variant that come this fall in the stores. New main producer Foxconn now there are some reliable sources that can supply new facts about the iPad mini. So, the upcoming Apple tablet is not as initially expected produced only by the largest supplier Apple Foxconn but also by Pegatron. Thus Pegatron 50 to 60 received percentage of the order for the production of the iPad. By sharing the production Apple can make in the future to the 5 million pieces per month.

Even Steve Jobs who was always an advocate of 7 inch tablets, should have declared according to an e-mail message, interested in the new iPad mini. Diagonal screen size, resolution, and thinner than previous model according to the rumor mill, the new iPad mini from Apple should have a screen diagonal of 7.85 inches and be much more compact and practical in handling than its predecessor with 9.7-inch. The display should have a resolution of 1024 x 768 pixels. Also the handling should be much easier, as it should be just to the 7.2 up 7.3 millimeters thick. A small price to pay for the products from Apple is rather unusual, should apply in this case, however. Although so far no exact price in experience could be, is to be expected that the price well below the $500 should be, which currently costs a standard iPad.

The online rumor mill bubbling now, and many suspect that the price of the new iPad mini on around 190 euros to 270 euro amount is. But the low price has also its drawbacks. So should be waived on the retina display? The design and interior design to same the iPad mini strongly the renewals on the iPhone. Such sieve-shaped speaker, which is located at the bottom of the bowl, and the new power supply. In addition, it should have a camera on the front and back. About the exact resolution of the camera can be said unfortunately still nothing. Nevertheless, the release of the iPad mini is rather surprising, because a year ago, Apple denied his interest in selling such devices, because they have a lack of convenience according to Apple. But by the large number of competing products, Apple has opted now probably different.

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