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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General Kolchak

Posted by marmara on April 28, 2017

But throughout it is clear that accident did not mend soon. Alone in the dark, the old man and girl talk. He spoke about himself. It turns out that by profession he is – "Creative Producer". Invents stories on television programs and reality shows. His story helps a girl is not so much afraid of the dark and stop the elevator, so she asks him to continue.

Here, our hero begins to talk about the latest editions of the reality show, which he invented in the shooting that took part. When two teams of volunteers are looking for in abandoned taiga treasure General Kolchak. Something like "Fort Bayar, but with a Russian flavor, and more close to real life. However, during the filming something has gone very well and one of participating teams gold is cut off from other people. Suddenly, in a cave in a few steps away from the treasure it " on a fugitive convict who has already eaten his friend, and here any minute now ready kill (or rape) her, poor thing.

Schoolgirl in the elevator – all the attention. All her fears forgotten. She listens hard old man, waiting for the denouement of history. That was then – I will not violate the intrigue, it is easier to read the book, but after elevator still earned the old man went down and started a new conversation. Generally, as seen in the book, "Creative Producer" itself is a very sociable person. So, the bottom, he starts a conversation with the old lady on the bench.

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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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Shatterproof Beer Bottle Packaging

Posted by marmara on April 24, 2017

Kanoo receives certificate for beer packaging Klingele paper mills in Remshalden DHL packaging certification for beer bottle shipping packaging received. The manufacturer of corrugated packaging and corrugated board base paper is the only company in the corrugated industry, which has a post approval for this type of packaging throughout Germany. The new certification is an extension of the original certificate, that the company has held for ten years. For the certificate extension was optimized the packaging design and simplifies its construction. This packaging system is now approved for the shipping of 6, 12 and 18 bottles.

With the corrugated cardboard packaging, consisting of a sleeve system and a packaging, bottle sizes can be sent shatterproof 0.33 l and 0.5 l. Rapid packing due to simple design the sleeve system is equipped with a built-in floor and made loading shaft. In combination with the packaging of a solid wave of BC the shipping packing a safe transport. The sleeve, compact wrapping bottles in the packaging, is designed in a way that she can be assembled with two handles. The packaging system is instantly directed to fill”, said Florian Steinle, responsible packaging developers at Klingele. In addition it has successfully passed the comprehensive case tests of the post, where the bottles must remain without prejudice to and no drops, liquid may escape,.” Norpack, a subsidiary of the Kanoo group, manufactures the certified packaging. In addition to the standard printing with the DHL test numbers, customers can get the different variants of the beer bottle packaging also with individual pressure.

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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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Mental Education Creativity

Posted by marmara on April 22, 2017

A feature is the preference for complexity. Between individuals of creative personality can be distinguished, broadly speaking, two different groups: the artistic and scientific. The key features are the same in both, but in general, the artist is more given to express their dissatisfaction both in his life as in his work, which the scientist. The informal artist is running, but the unconventional scientist is relatively rare. Artists and creative scientists even tend to be more stable emotionally that ordinary people, and when this does not happen, its instability is manifested in the form of anxiety, depression, social apprehension or excitability, something akin to a neurosis fully developed. Among artists and writers, the genius is confused and often relates the madness; in this category of persons are manifested too often severe neurosis, addiction to drugs and alcohol and various forms of madness. There is not much relationship between creativity and intellectual quotient (IQ); It is perfectly possible to be highly creative and have normal intelligence, or possess a great intelligence and lack of creative ability on the other hand, provides us with regard to the topic: school Mental Education: deem, who can be creative in any field and any activity. We especially want to be creative in finding solutions to problems.

In fact, the creative problem solving is what more demand in the professional and working world looks like. He is added in addition, creativity, like any other human capacity, can be trained and educated. There are key principles for educated creativity. Follow these principles has proved useful to apply creativity in solving problems. Of all the principles, which is essential is intentionally separate generating ideas for your evaluation. If we are going to resort to the applied creativity not we can overlook this principle. It is the beginning of more important creative thinking.

Though it may be easy generate ideas will not arrive at nothing until we apply this principle. The creative problem solving requires both generate many ideas and select the best but if you try to do both activities sequentially you won’t any of those things well. Effective creative thinking depends on get used to separate these two activities; that is, ideas are generated first and then they are evaluated. US insists on pointing out, that misused creativity would be when using a sequential approach: generate a idea to evaluate it generate another idea – evaluate it – generate another idea to evaluate it, and so on. Making a sequence that goes from generation to the evaluation. Many people do so natural might prove them because it is what they have always done. But in solving problems ease isn’t everything. It matters a lot doing the right thing for reaching a solution. We take into account, what gives us psychology-positiva.com that we are all born with a creative capacity that can then be stimulated or not. As all human capabilities, creativity can be developed and improved. Thus, there are many techniques to increase and develop the creative ability. One of the most interesting is known as mental maps.Creativity is the production of an idea, a concept, a creation or a discovery that is new, original, useful and which satisfies both his creator and others during some period * fonts: Wikepedia encyclopedia; -School Mental education.-Psychology-positiva.

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Zoller Extended Output Management Consulting

Posted by marmara on April 16, 2017

Werner Broermann changes Zoller Zoller & partner & partner complements its management and technology consulting for the topics of document management, content management and workflow to a region that is increasingly grown together in recent years to these topics. The gear teeth in these areas has led increasingly to organizational and functional dependencies and mutual requirements, which must be taken into account in the planning and design of applications in this environment. Output management is also an industry with a wide variety of facets and sometimes very different products and solutions providers and therefore very cluttered. An integral part of the consulting business will be therefore an advisory role to support the customers and users in their system design, product selection and implementation strategy with an appropriate course of action. Dr.

Werner Broermann has been working since 1990 in the field of output management and brings extensive project know-how from the practice in consulting projects a. Background information Zoller & Partner GmbH Zoller & Partner GmbH is an independent management and technology consulting. The thematic focus is strategic, organizational, and technical advice to the entire arc of the topic enterprise content management including electronic archiving, document management, collaboration, Web content management and output management. contact for the press: Zoller & Partner GmbH Bernhard Zoller Otto Volger str. 3 c 65843 Sulzbach / TS. – Germany Tel.: + 49 6196 99909-0 fax: + 49 6196 99909-80 E-Mail: all in this communication used company -, product – and service brand names and logos are property of the respective companies.

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Captain America

Posted by marmara on April 16, 2017

On December 20, 1940 was published Captain America Comics #1, whose historic home reflected the triumph of the protagonist about the ideologist of national socialism. Simon and Kirby left Timely in 1941, but shortly before a young Assistant Director had joined the company. Born Stanley Martin Lieber, soon he started to sign his scripts under the pseudonym of writer Stan Lee, a name without which can not understand the history of the comic book superhero. With the end of World War II, the prrencias of readers inclined to another class of subjects, since nobody wanted to immerse themselves in stories of good and bad, which meant a rapid decline of the superhero genre. The first stage of Captain America lasted until 1950, then reappear briefly in 1953 and 1954. It would not be until 1963 when Lee, which by then already had created to the fantastic four, granted a second chance to the ICSC’s bars and stars, which was reborn in a cartoon beside the human torch.

This special episode is the first of 44 including the living legend, a book dedicated to the Renaissance of Steve Rogers (real name of superhero) at the hands of Lee and Kirby (who by then had already returned to Publisher). This new point of departure had a very special meaning for both authors. In the case of Kirby it was to redraw the great hero of the second world war he contributed to present. For Lee, return to narrate stories of the character that started his career in the world of comics, recalls Fonseca. ery. After a few stories to warm, the authors of the series bet on a trip to the past with the ICSC adventures during World War II.

With his faithful partner Bucky Barnes (who then died in tragic circumstances), the superhero will face the most terrible enemies: the nazi villain red skull. Aside from discovering the roots of the superhero, these vignettes allow us to meet characters as evil as Baron Zemo, the Adaptoide, Modok or Batroc the leaper, as well as intermittent collaboration between Steve Rogers and Sgt. Nick fury (leader of howler commands) and, subsequently, j of the super-secret organization SHIELD. In short, a fantastic work on this character who now makes the leap to the big screen. Source of the news: Captain America sees wake up sales of its comics with the premiere of his film

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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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Retirement Plans Make Sense

Posted by marmara on April 10, 2017

How meaningful is it to include gold as investment for the long-term retirement plans? This post should not be used to represent an investment recommendation, but it should encourage themselves independently to deal with the theme of gold as an appendix to the pension. Hardly an other asset class in the world is so beautiful and so long as gold does exist. For over 5,000 years, there’s this noble metal in the hands of the people. Many other asset classes such as passbook, savings, government bonds or stocks, however, didn’t even survived a generation. In doing so, gold has always been considered valuable jewelry and as a kind of status symbol was appreciated and sought after and enjoys attention as investment now in uncertain times such as debt crisis, a financial crisis and a sovereign debt crisis.

But even if many people increasingly yearn back in these uncertain times for real values, there are many supposed death blow arguments which speak against the acquisition of gold as an appendix to the long-term retirement savings. As gold as investment unless supposedly unproductive, since no Interest rates play a. In fact, nothing remains to add gold is actually no interest. But as interest rates below inflation are actually useful/productive? You can speak at plants that build on interest rates and generate negative interest even of asset building? One is inevitably with classic investments asset preservation, asset accumulation let alone to operate becomes increasingly difficult owing to falling interest rates and additional taxation. It is for example The current guaranteed interest”a Riester contract only 1.75%. The savers receives this indeed not his entire deposit, but only on the proportion of savings, which in General, that is % after deduction of all costs between 70 to 80. Gold offers a huge advantage here as an attachment, because as real value it does not suffer the risk of inflation.

No matter whether the future inflation rate at 2, 3 or 5 is, gold is always gold. Which is also not enough investment gold both VAT and Withholding tax Befreit, which benefits the savers. Gold need not hide also in its long-term development of value against other asset classes. So the average performance is the price of gold per year at impressive 9.5% (years 1970 to 2010). Gold as an attachment to the retirement serves not only as a currency substitute in times of hyperinflation, but can also as alternative system prove to be very lucrative. Thereby, the precious metal has long not only to a few privileged people is affordable, but for quite some time, by small bars and coins, including the Otto ordinary consumer. A scattering of his retirement savings in gold can prove not only in uncertain times as a wise decision, but also in normal periods as quite lucrative. Just because gold is based not just on paper currency and represents a real value.

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