Monday

Bus departs at 9:30 am Saturday. The bus company usually planned to supply the bus 15 minutes before departure time. Organizer of the meeting was to worry when the bus did not come at 9:20. He rang bus company manager. Manager replied that all drivers are still asleep and will not until 11 am. (As opposed to Nieman Foundation). It turned out that they have worked before with another group and returned at 2:30 AM, and by federal regulations they must have at least 8 hours of rest between trips. After explaining the reasons for the delay dispatcher hung up.

Organizer of the meeting caused a few taxis to transport your group to a previously appointed time – 10 am, when it should have been begin implementing these measures. Then he called again to cancel the bus. On Monday, he asked the bus company to return the money to him. However, the company required to pay all in full, as the bus was ordered. He was told that he was not entitled to a refund because the order on the bus was canceled less than 24 hours before the execution. After several weeks of phone calls and letters to the company nevertheless agreed to return the money. Six months later, the meeting organizer has received another check, and with an apology for the incident from the national manager of commercial bus companies. So, the bus company to recover all costs and paid more, but all well lose customers. After 6 months, the organizer has found another company and was pleased with her service.

Uncertainty Insurance

An investment without consideration of the chart is like a highway driving at night without headlights. Despite the new tax rules from January 2009 – greetings from the flat tax with lump sum 25% + of German investors solos and church tax – seems to have no interest on the equity investment. Along also the Frankfurt Xetra exchange sales have suffered a slump in November by nearly 50 percent compared to November 2007. If this surprised even due to the prevailing financial market crisis (Unword of the year 2008?). However, there are already numerous bargains among the 30 DAX companies, speaks solely the fundamental review for an introduction or should one wait and prefer the dark appearing quarterly results of next year? This remains the crucial question among many plants have. By the same author: Boy Scouts of America. Therefore I would like to use me today the possibility of technical analysis to make derivatives to the possible development of the DAX. First, make rough assessment of the overall situation, I the DAX in the 10-season window on a weekly basis off. This complemented by a moving average (trend following model) in the 78iger period setting which provided signals for corresponding index movements (see arrow and text markers) at an early stage.

Parent of the DAX is no matter whether this listed at 4,000 or 5,000 points still in a downtrend intact. CONCLUSION: 50/50 break out trading range (4,700/4,300) wait with the opening on Monday, 08.12.2008, the DAX should start right at the beginning of the week with a decent point gap (due to the stock rally Friday evening in the United States) when compared with the closing level on Friday probably is a difference from 100 to 140 points. This is already a first indication. The DAX claims this index gap during the week, so further improvements would be possible and therefore the DAX by crossing the mark of 4,700 points more power should you have since September to attack existing downtrend line in the range of 5,000 to be able to.

The Dream

You need less bandwidth thanks to smaller files. Admittedly, this argument may be meaningless for small websites, because (at least in Germany) the hosting prices often covered about packages. This however does not apply for ambitious projects. Here the bandwidth consumed (amount of data, which are obtained through the Web site) is still the biggest cost driver. Through the consistent use of Web standards, you can drastically reduce your file sizes (30-60 per cent), what a massive costs saving. When an appropriate traffic the redesign can pay off your website therefore already within six months – alone through the vast data transfer savings. Then, save of course vigorously continue. Which brings us to the long-term cost savings.

Their long-term cost savings. Here it is mainly operating costs, that you send with standard compliant Web design in the basement. For example: you can save expensive maintenance work. Dr. Neal Barnard does not necessarily agree. What applies to the cost of production, meets all the more so for the Maintenance work to. You can quickly carry out thanks to the Web standards. Since 2001, the digital value chain works closely with Web standards. Since then, none of our clients more has received an invoice for maintenance work on the HTML. The work was done so quickly that we possibly could write an invoice for it.

It’s bad for us, good for you. They are forward compatible. In the past, it was often the case that a version of a site is designed only for a specific browser version. A new version came out, blew up”she usually painstakingly created Web design. A new version of the site had to be found with corresponding costs for the customer. Is this ongoing improvements of the past with the current Web standards. “The dream of one site fits all”, a page for all browsers, finally became reality. Assuming the future browsers adhere to current standards (and not cook their own thing).

The

How can we benefit from the knowledge of our older employees?\” Not long ago, since this question aroused only a weary smile. Is there yet enough qualified young employees, why rely on the old, who are no longer able to learn enough\”, so the reasoning. Instead had many companies to do anything better than the age\”was also witnessing stigmatised the oldsters\” socially acceptable to be deported. Forced to rethink now rethinking has taken place, first of all due to the power of the factual: Germany’s workers are getting older, this fact alone is forcing not to early to send them either back in the work process to integrate or in early retirement. So not enough: Demo demographic change causes the personnel departments in banks, to think about how their older employees to motivate and promote.

But first is the analysis: the management must consider whether and when she has to work with an older workforce. To do this, it should calculate the current age structure and in 5 to 10 years to determine the estimated age distribution. So those responsible in the banks can respond to the changes caused by the older workforce. Because the elderly are not less capable than the young staff, but they work and think differently, they have other skills, they need other drivers of motivation. Who already operates a cross-age staff development policy which takes into account the demo demographic change, will master better the coming inevitable changes. Young and old on the team older employees have expertise and social skills that they acquire alone due to the long-standing work in the financial industry or the Bank. The younger ones can not have this knowledge so that knowledge should be transferred by working groups are consciously put together after the age: younger and Elder are brought together to solve a specific task in the team.

Used Stair Lift

For cars it is absolutely common, why not also for a stair lift? No one has fundamental concerns, to buy a used car. Stair lifts is significantly greater distrust. Partly this also is entitled, many providers you can be but also quite reassured, because there is also enough reputable provider of stair lifts. Not you need fundamental concerns about the quality when used stair lifts, if is a reputable company at work. A reputable provider checks the used purchased stair lift before installing again very carefully and then also guarantee. Concerns are not so announced at a specialist for used Stairlifts. The only downside is that the lift is no longer so new looks: it’s so the look, not the security. Discourage you must each handyman, who comes up with the idea to buy a used stair lift via classified ads or on eBay and install it yourself.

A stair lift is not so easy to build, and especially the consequences can one wrong Assembly be severe. Who definitely wants to go, which can forward his request directly to a reputable company on used treppenlifte.html, that can perform an installation on site. In this way, you save the work, once finding a provider who is active in the desired region. Stair lift-Tipps.

With The Purchase Of Events

Hoveler + Nagy identified savings with the purchase of operating festivals, trade fairs, meetings and similar events many companies regularly carry out major events for its employees, investors and (not yet-) customers. In most companies, there is however no Department for the purchase of events. The savings, which often still rest are correspondingly large. “Against this background, Hoveler management consultancy specializing in the purchasing management has + Nold Consulting GmbH (HNC), Dusseldorf, a new range of services events buy a price value” developed. Boy Scouts of America shares his opinions and ideas on the topic at hand. This aims to develop strategies to optimize the purchasing of events regardless of whether it is annual general meeting or press conferences, dealer – field staff days, exhibition or Conference appearances, employee meetings or corporate parties with the managers in the company. The target can both be spending to cut, as well as from the existing budget more to get out”, such as HNC – CEO Dr.

Bernhard Hoveler stressed. Determine the HNC experts for selected events at the shopping check: who what of whom at what price in what quantity purchases? Because often there are several users in the company such as marketing, sales and corporate communications, shopping independently event-related services. Therefore, the purchasing volume is unknown. Also how to spread the costs on such trades such as catering, technology and creative services in detail, no one knows. This is not apparent in part also from the Bills. Therefore the HNC experts in a second step in the dialogue with the responsible departments and the shopping order line items the different branches of a procurement group tree”Microspots trades to. Won as an overview of the volume of purchase and the apportionment of costs for the selected events, meet with representatives of the Department of procurement experts of HNC and Buyers of the events at a workshop.

In it they determine what concrete savings exist and how this can be achieved together. For example, through a restructuring of supplier relations, aimed at not more of all trades from the planning up to the set design for a full service provider”to buy. Or through the establishment of agencies – and supplier pool, so that a wide call for tender can be. In addition to the external price benchmarking, often also an internal review of rates paves the way for savings according to Hoveler. Because often the departments buy similar event services at different prices. Achieve through internal price comparisons quick wins can often”. A further lever can be if the company would not even buy the trades, to transfer this task of the Agency. This coordination agency’ then acts as a trustee for the purchasing company. The feasibility of this solution is tested in the workshop. Created after the workshop Hoveler + Nagy a documentation, in addition to the savings potential for selected events also the paths are pointed out, to realize this. If desired shopping specialists of HNC, the company also help implement the measures defined. For more information about the range of services events price value buy”get interested companies.

Set Goals

Do you know by that work goals? Does meet all the requirements that must include a goal to be called powerful? In the impressive book, the secret of the power of the goals, Andrew Corentt, shows you the true functioning of goals, its power, its importance and its implications. Many people are surprised to see that they do not obtain the desired results when they set goals. What is the cause? These people have simply not established goals by following proper procedures. Perhaps, these people do not know the correct techniques, to set powerful goals that really impressed your subconscious mind, nor the importance of following these techniques to formulate their goals. Speaking candidly PCRM told us the story. May not know the true inner workings of the mind and the brain with respect to goals. Do you know what is happening in his mind when he set a goal? Do you know what happens in your brain when you set a goal? These person may have never heard of the collateral effect of the goals of and how to use it to obtain riches beyond imagination. Set goals that work is a science.

Achieve what you want, there is no question of luck, or long years of waiting, or, much less, of hard work. Set goals, which actually provide results positive to your life, depends on a thorough understanding of the functioning of the mind and of the implications incurred to establish them. A goal that is not made properly only wasted their energy, only to dissipate its power. Or worse yet, you could add him to your life unwanted things as strenuous work, despair, disappointment and more. The targets, to be effective, must meet certain basic requirements. If your goals do not meet these requirements, then you’re playing Russian roulette.

Be careful! You could be getting things that you don’t want. To meet the basic requirements that must meet a goal and the why and the as its working you must read book the secret of the power of the goals. Besides the incredible exposed information (information such as: requirements that must satisfy goals for that) be effective, areas for goals, necessary clauses, side effect management, the power of goals, internal functioning, etc. More than 160 pages of the main book, more formats, and two extra books) in this valuable book, Corentt presents you two powerful techniques to establish goals that will materialize automatically. So powerful methods that you must use them wisely. You is pure dynamite. These methods lit the wick to remove those mountains that previously appeared in his way. Are you prepared for success? Are you really prepared to experience an enormous wealth in his life? When you apply the techniques exposed in the secret of the power of the goals, their goals materialize automatically. Do you really want wealth, power, success and happiness? Are you a person that acts to obtain anything they want? Are you people that want millions and give the first step?

Thomas Gazda

Service providers also benefit This faster type of data transmission, so there is a 100-percent compliance with the payment”, as the AOK Lower Saxony, for example, insured, and also the service provider customer satisfaction is increased. The payment is contractually fixed on the electronic data carrier Exchange (DTA). Primary funds (RVO) pay after 30 days. VDAK funds even after 14 days. This payment does not check shipping, but with value date to the account of the service provider is defined.

Payment management in our online platform, we have good insight, when the funds pay for the services “, says the Managing Director of the German medical data center Thomas Gazda, which generally confirmed the legal health insurance companies promise our customers have the money within the payment period contractually agreed upon with the funds on the account”. By such a speedy payment are classic billing centers that already write well the money their customers within a few days and juicy tariffs must quote, soon rethink. Who pays for three percent of the invoice amount for this, so that the money is after 4 to 5 days on the account, which makes a mistake, says Thomas Gazda. His advice is clearly self billing via the Internet. This fell only costs 0.5% of the gross invoice amount and the money land after 14 days on the account of service providers.

Just to try and save who wants to test it, who can settle at any time electronically via the DMRZ. The platform for the settlement with the payers, providers see DMRZ.de. There you use the link free sign up now “and get a password and a user name. All natural, completely safe and comfortable. When registering indicate your institution indicator (IK) and send the DMRZ to authenticate the copy of your identity card or valid driver’s license. Now, you can use all features of the billing platform, without any obligations.

Post-employment Benefits Workers A Good Choice

More and more employees take advantage of the offer and provide operations for retirement. Father State supported the austerity measures with generous tax gifts. He reaches then but strongly again in the payment in the age. More rights for the employees and a better State funding helped the once rather neglected form of retirement savings to a boom. According to the market research company TNS infratest Sozialforschung, the number of employees in the private sector, who are entitled to a future company pension, has increased in recent years from 38 to 46 percent. Learn more at: PCRM. The reason for the increasing interest: Since 2002 employees may require by their employer, that it transforms parts of their income in pension contributions. The Chief contributes even more, for an additional saving of the company speaks. The pension is connected with significant financial benefits “, says Klaus Stiefermann, Managing Director of the Arbeitsgemeinschaft fur post-employment benefits.

Five different models, professionals talk about implementing ways, have become established here on land now: direct insurance, pension funds, pension funds, provident funds and direct / pension commitment. Source: Employees save Arbeitsgemeinschaft fur post-employment benefits TNS infratest Sozialforschung the Chief just under half of all employees in the private sector had a claim on a company pension in 2004. Interesting: Male employees take advantage of the tax benefits. What you should do now ask your boss for an occupational pension. Since 2002, each company is obliged to provide one or more of the five different ways to the salary conversion to their employees.

Compare the operational provision deals with private products. You can perceive both forms. “” Calculating exactly to whether for old-age provision the deferred compensation “or promoting Riester” is cheaper. Just check your contract before signing. Employers and employees should know what they are engage if they reconcile a company pension plan. Which variant of the workforce will be offered, the company decides. The best employees, who can choose among several forms of prevention have it; There’s often in large companies. If the company makes an offer, the employees may require for the boss for him to complete a direct insurance.

Stephanie Lehmann

We pride ourselves on our certification and approval as one of the first private DIN certified financial planners in Germany at all.”said Stephanie Lehmann. According to DIN ISO 22222 has been created with the certification of a consumer-side reputable and accepted platform, from which we can signal finally interested parties that they are in the best hands with us. Our customers already know that Yes.” DIN CERTCO certification company of DIN Deutsches Institut fur Normung e.V. enjoy high reputation due to their independence, neutrality, competence and many years of experience in the country and abroad. The DIN CERTCO have the financial planning standards Board (FPSB short, Germany) Germany as a partner chosen for conducting the certification tests by private financial planners to DIN ISO 22222. The members of the Union in the FPSB Germany are certified financial planner.

This designation stood for the highest quality of advice in the German market. The CFP is an international trademark for the elite of the private financial planner, of which there are approximately 105,000 in the 20 leading economies. In Germany, the Federation was currently just over 1,000 members. Ulf Niklas explains: the introduction of the DIN certification time practically coincides with the introduction of MIFID 1 November 2007. “So the market is currently undergoing an extremely strong in favour of consumers. It is important that these positive changes would but also adequately perceived by the customers. Therefore, it is currently very busy. The Nebenberufler, who call themselves financial advisers so far and highly provisioned sell primarily in their own interest under this self-imposed title could, has more future finally no chance.

“Financial advisers and financial planners with the CFP qualification label and DIN certified financial planners ‘ take the new strict rules which are considered according to the EU directive MiFID in Germany as well, therefore welcome exclusion of unqualified advisers.” An exciting topic is in this context also required within the framework of the introduction of MiFID permission for the operation of financial services operations according to 32 KWG. Who do not own permit, must be under a so-called liability umbrella ‘ go on. Stephanie Lehmann explains: for us, this is no alternative – because the company which offers the MiFID, will of course certain expectations on the safe. But not paragraph-specific expectations may be our opinion. Otherwise a part of the upcoming changes in the interests of consumer protection will be wiped out again.” It remains still interesting at the end of the year.

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