TEURO Assets

“Money loses value tangible assets retain their value what happens 2011 and how do I save my money in the future?” Of course with tangible assets such as property and money values are defined at all? All assets, such as cash, checking, day and time deposit accounts passbooks, savings and life insurance, as well as bonds are non-monetary. Because these examples are in equipment held currencies. The problem is, if the money is losing value, also the value of the investments decreased. Money values are unable in many cases to counteract inflation. Tangible assets are investments in things that keep their own value regardless of crisis. For example, a Ford would have cost 1906 $850 T model, which represented 42.5 ounces of gold.

2009, you get a luxury sedan by Ford, which corresponded approximately $46.750 2 years ago for the same amount of gold. The price of gold continues to steadily rise, so he has grown in the last two years from $1,000 to $1,400 per Troy ounce. Similar to gold, there are other constants in the History about holding their value, such as real estate as an investment. Tangible assets – stable investment if you look at the current situation in Europe one it soon becomes clear that it won’t be long now until our TEURO”is nothing more worth. “The forecasts say the Europe in the next five to fifteen years apart breaks and what happens then with our safe” currency? All our funds that recommend us banks will use us hardly anything! After years of saving, dissolve his passbook and may be different from this asset”buy a bread. Although this situation is far from us, we are already in the middle.

The prices have almost doubled since the introduction of EURO in contrast to the salaries. The consumer can afford much less and there is no better. In summary one can say that investing in real estate and precious metals far less risk than the investment of its money in life insurance, savings or savings. Also, an investment in gold and real estate is much safer than a Investment on the fixed deposit account or on your daily account and current account.

Web Quality

CosmosDirekt shows best Internet presence nearly 60 Web sites of the largest German insurance companies were assessed in the categories of consulting quality and usability. The quality of advice indicates how well to advise and care insurance customers in the Internet. The second category of usability assesses the usability of the site for the customer. By more than 330 detail criteria is used to determine in how far the sites of insurance companies implement the required criteria of a successful Internet sales. The 20.000 CosmosDirekt is equally strong in comparison to the overall competition, overall she meets 70 per cent of requirements. Especially in the quality of their advice tools, she can convince and significantly by 20 percentage points of the average of the top five companies stand out ahead. For even more opinions, read materials from Dr. Neal Barnard. The CosmosDirekt is closely followed by the runner-up, the insurance the appearance of the ASSTEL.

This performs equally well in the quality of the advice, just a slightly worse result in usability leads to not reach the top finishers can. Hanse Merkur refers to third place of the ranking numerous larger vendors on the following places. So while there in the quality of advice to make concessions, but she can prove even one of the highest degree of target achievement overall usability. “The top 5 of the ibi website rating 2009 insurance: rank company 1 CosmosDirekt 2 ASSTEL 3 Hanse Merkur 4 Alliance 5 AXA about ibi site rating – insurance”: first ibi research of the best ibi site transferred rating approach to credit institutions on the insurance industry. In the current study are detailed criteria of the Status quo of sales design and the quality of the insurance more than 330?Websites in the categories of consulting quality and usability analyses. This creates a practical guide, in which with numerous practical examples the implementation of the criteria on the websites of the insurance by means of screenshots are visualized, evaluated and explained.

About ibi research: Since 1993 the ibi research is GmbH The bridge between science and practice. The team headed by Prof. Dr. Dieter Bartmann conducts research on issues around the topic of “financial services in the information society”. ibi research personnel closely associated with the University of Regensburg, but operated as an independent company. ibi research welcomes the royalty-free reprint of this press release. If interested in more information, articles etc, please contact: ibi research at the University of Regensburg Anja Peters Reger Street 4 D-93053 Regensburg phone: + 49 (0) 941-943 1907 fax: + 49 (0) 941-943 1888 E-Mail: Internet: iwr

Google Earth

An opinion poll held in five major European countries: Britain, France, Germany, Italy and Spain. The data obtained suggest that 87 percent of those surveyed want to buy more eco-friendly new cars. ECOportal.ru already wrote that in 2012 the eu plans to reduce the allowed amount of exhaust substances in the 2 and then 3 times! Against the introduction of new standards for greener vehicles is the Association of European car manufacturers (ACEA). According to the organization, neither economic nor environmental consequences of such innovations have not been properly assessed, and the emissions of harmful substances into the atmosphere, not only can not diminish, but increase. Contact information is here: Center For Responsible Lending. For example, due to the transition to 'Euro 5' low diesel cars rise by an average of 900 euros. To know more about this subject visit PCRM. At the same time, 64 percent of those surveyed believe that controlling emissions will bring only benefit the economy, since the new rules would entail a reduction in fuel consumption and car owners do not have spend a lot of money on fuel. And instead of gasoline they can buy more of other goods. The area of Arctic sea ice has decreased below the minimum of 2005 In recent years environmentalists worried the rapid melting of polar ice caps and claim that this is another clear indication of global warming.

For example, the area of Arctic sea ice has decreased below the minimum recorded in 2005 and is approaching the absolute record for the satellite observations, established in 2007. At least 2005, when the ice area was reduced to 5.32 million square kilometers, was observed on September 21. The absolute record set in 2007, was awarded on September 16. Then the area of ice dropped to 4.13 million square kilometers. These 'records' – a sign that the Arctic climate change occurs very quickly, and humanity really need to bring the issue of global warming on national level. According to environmentalists, the decrease in sea ice accelerates global warming. Ice, well reflecting the solar radiation is replaced by a dark surface water that accumulates the heat.

In his turn, contributes to warming of permafrost thawing, which will actively allocate greenhouse gases, further increasing the warming, added the researcher. The scientists found that cows feel Earth's magnetic field German and Czech scientists after reviewing satellite images and mapping service Google Earth have come to the conclusion that domestic cattle and red deer and roe deer are able to sense Earth's magnetic field and have his body during feeding and rest along the lines of force. The researchers examined the photographs 308 pastures in virtually all parts of the world – in Europe, Asia, Africa, Australia, North and South America and have noticed that more and more 8.5 thousands of animals that were in these pictures, graze and rest, giving the axis of the body along a north-south. The same results were given to study photographs of wildlife – deer and roe deer. About three thousand of these Animals caught on satellite imagery, also have their body from north to south. Surprisingly, this ubiquitous phenomenon, apparently, has not been seen previously herders, ranchers or hunters. Scientists believe that the simplest explanation of the observed phenomenon is the sensitivity of animals to magnetic field. To test this hypothesis, the researchers analyzed the orientation of the cattle in areas with large magnetic declination, where there is the greatest divergence between the direction of the magnetic pole and the geographical. As it turned out, the magnetic north pole in this case was the best predictor for the animals than geographic north.

Energy Efficiency

The power consumption of private households in Germany is increasing. Leipzig. The power consumption of private households in Germany is increasing. Consumers can relieve the budget despite rising energy prices, energy-consciously using your device and pay attention for some tips. Rising electricity demand for private households in Germany consume more and more energy despite energy-efficient appliances. While industry and Commerce continue to reduce energy consumption, increased the power of the private sector between 1995 and 2006 to 11.5% (Federal Statistical Office).

Increasing equipment of households with electrical appliances, as well as their long service life have a major share of this increase. Moreover, the number of households in Germany rise despite declining population number for which the current is required? A household in Germany needs an average of 10 kWh of electricity per day. What is this power required? About one-third of the average power consumption is eliminated on appliances, to cooling and freezing, to the Wash and be required to dishwashing. If you are unsure how to proceed, check out Boy Scouts of America. TV and PC need up to 25 percent of the current, the lighting up to 12 per cent (source: German Energy Agency). The consumer has the largest guzzlers”discovered, so the electricity can be reduced quickly. Smarter saving recommended for the budget are basically with the class of efficiency A +, which consume only about three-fourths of the current of a comparable unit.

Refrigerators and freezers should be placed only in cool place. A lower of refrigerator temperature 2 degrees increases energy consumption 10 percent. It exchanges its CRT to an LCD monitor, it saves about 75 percent power. With the purchase of new equipment, consumers should always pay attention to the stand-by consumption; You should disconnect these devices as well as battery chargers for electric shaver, electric toothbrush and co. through a plug connector from the mains. And the washing, you can save yourself: the laundry is also at 40 degrees clean instead of 60 degrees. Also, the washing machine drum should be filled so that unnecessary energy. Programmes for energy saving of washing machines also help save. Other household appliances such as oven and hotplates are as energy-saving, these are issued, for example, before the end of cooking and the heat is used. The cost of lighting, which make up between 8 and 12 percent of private consumption of electricity, can be lowered very efficient with energy-saving lamps: up to 80%! Although initially spends more of consumers for energy-efficient new appliances or energy saving lamps, this acquisition worth in the long term. Through the use of energy-efficient technologies of citizens not only saves money, but at the same time protects our environment. On all issues relating to the topic of energy: Kilo Solarwatt AG Sabine maid wife barefoot streets 12 04109 Leipzig Tel.: (03 41) 12 47-132 fax: (03 41) 12 47-129 over the kilo Solarwatt AG: The kilo Solarwatt AG, established in 1998, is a competent, independent energy broker with more than 56,000 successfully negotiated customers. We support companies and individuals to take advantage of the savings resulting from the liberalisation of the energy market.

Original Copy Form

Using some of these methods they would help him to increase its productivity, because no longer it must resort to fill its forms by hand or in typewriter. It has many advantages to create a group for this work: The idea is to create a general system that serves to fill any format preprinted is an exclusively dedicated system to print preprinted formats. The purpose is to stop filling our formats by hand and to use the power of Excel to fill any format, invoices, checks, remissions, quotes, taxes and any format that is necessary and that it was already printed and only remains to hasten it. PCRM has firm opinions on the matter. We have constructed step by step that allows of simple and fast form to print any format. At present hastening forms is a tedious task and that is lent to commit errors thus if we were mistaken when hastening we must use or buy another format and we lose time and money. For that reason these groups to automate all the filling tasks of formats or forms. ADVANTAGES? It requires Minimums knowledge of Microsoft Excel? As it is a group is only made once and serves stops all the life? If it only changes the format it requires small adjustments? As it is a group I can hasten several formats to the time? It can protect the cells, and only leave those of filling so that the cursor only jumps to the filling fields? It can create you formulate and to make calculations so that the fields fill of automatic form? It can use bold in some fields and underlinings to stand out at the time of printing the format? We used forms platen press for Invoice, but you can acquire with other manufacturers and also she serves? It can make a copy to the oriiginal and can print 2 copies ORIGINAL AND ROUGH DRAFT? I can command to make its stack of papers and to use this group to systematize it? It keeps a copy from the format in a data base? It can consult I number of invoice for the case of the example? It can let information predetermined in its group not to have to digitar? It turns the total value to letters (function created by us)? We offered the support him so that their format is optimum when hastening it? We have bloq where we are going to turn our product into nico with their aid? Because a group of excel and not a program (Because we can create from but the simple thing to but the complex one)? I can divide the form in several groups to print it? It can organize forms and by each of them to have a data base? It can protect the form and with a key to only do change to him? It can generate consecutive a its format and to number of automatic form? It can extract of the date of automatic form day, month, years, weeks applying own functions of excel? It can make sum, subtractions, totals and any formulates applicable to its form inclusively can create its own one formulates? It can accede from a Network to his group and print his format in a NETWORK printer? It can for example print the Original Copy in a Printer and the Rough draft in Another one? It can print his format of remote form using any program of remote Connection (We explained like doing it)?

Augenlasik – Clear Vision Without Glasses

Augenlasik is a modern eye laser procedures. With the help of the Augenlasik, vision defects can be corrected. Augenlasik is a refractive surgical procedure in which the cornea of the eye with a special excimer laser is changed. With the Augenlasik, well known Visual defects such as myopia, hyperopia, or astigmatism can be corrected accurately. Thus, the procedure of Augenlasik represents an interesting and serious alternative to the visual aids such as glasses or contact lenses. Augenlasik is one of the best known and most widely used laser eye procedures. LASIK stands for laser in situ keratomileusis and defines a process where in the first operation the cornea of Augenlasik patient part is cut.

The precise incision is made in the classic, traditional LASIK with a precision knife called microkeratome, also in the medical jargon. In the so-called Femto LASIK, the incision in the cornea using a second type of lasers, namely high-speed femtosecond laser. The Femtosecond laser creates a underground cut in the frame of the Augenlasik in the Interior of the corneal tissue. In both forms of the Augenlasik the result is a thin sliver of cornea, which often also called Hornhautflap. This fine corneal flap is then folded away in the second operation of Augenlasik of the eye laser surgeon. Which is under the Hornhautflap under layers of the corneal tissue are then the excimer laser treated with. By the laser beams, tiny part of the corneal tissue are removed to correct the refractive power of the cornea. The aim of an Augenlasik treatment is that after the Augenlasik co-op in the eye incident beams correctly are focused on the retina.

The result after the laser eye surgery is a crisp and clear vision without glasses and contact lenses. The Augenlasikoperation is now a routine procedure and is one of the most frequently performed operations. Over 20 million people have undergone already an Augenlasik surgery in the past 20 years, final to her glasses to get rid of. The LASIK surgery is an outpatient surgical procedure, which it does not require that the laser eye patient in the hospital over night must linger. After the Augenlasik-OP recovered the patient for about twenty to thirty minutes. Then, the laser eye surgeon controlled the success of the operation. That means the doctor checks whether the Hornhautflap is correctly positioned and is transparent. In addition, it is determined whether the LASIK patient has symptoms of dry eye. In the case of very dry eyes, the patient receives a special tears substitutes in addition to the antibiotic and cortisone-containing eye drops. Dry eyes symptoms last usually three to six months. Dry eyes can be treated relatively well with these special artificial eye tears. The healing process of an Augenlasik co-op runs relatively quickly. While the patient still quite blurred everything in the first hours after the surgery, the newfound Visual acuity is already very good and hot the next day. Access to many of the Augenlasik patients the next day the operation already a Visual acuity of one hundred percent.

Study International Communication: You

‘International communication’ on the Hanze University of applied sciences, Groningen communication can find everywhere in everyday unless we if we do our shopping, researching something on the Internet or in the evening with a few friends sitting together. In the course of international communication at the Hanze University Groningen, you will learn how to successful communication. The four-year English course prepare for a career in the media, Public Relations, corporate communications or advertising. Also you will prepared perfectly by intercultural competencies in the global labour market. Communication basics: In the first semester you will be introduced step by step studies.

In the course of the year it engaged you intercultural competence, media skills, communication theory, and English for communication professionals”. Here too much emphasis is placed on practice in the form of projects as in many other courses at the Hanze University of applied sciences, Groningen. Communication “Implementation: the second year includes the application of your knowledge: subjects such as communication are on the curriculum research, communication campaigns, transition and crisis”. In all four thematic areas, real-world projects are combined with theoretical lessons. International and practical experience: An exceptional part of this study is the international orientation: students usually spend one semester at one of the many partner universities worldwide and complete your cultural experience with an internship in the field of communication. Often, the students also spend their internship abroad. Popular employer in the past were such as Greenpeace or the UN (United Nations) in New York. Choose your specialisation! In the last academic year, you can choose your specialisation.

“” International business communication “and European public affairs” available options. Finally do you write your thesis in a company of your choice and closes your studies with the title of Bachelor of Communication”off. You can find more information about the College and to the degree also under: or in the social network: HanzeUniversityGroningen of the Hanze University: in 1986 founded is the Hanze University of applied sciences the second-oldest institution of higher education in the region. The 23000 students are spread over a total of 20 so-called schools (faculties). Titled turning ambition into success”trains managers and experts the University in the fields of business administration, communication, technology, social, sports and art.

Hostel Visa

A dream of many is to go there after school or before the career entry for up to 365 days for the work and travel to Australia. A dream of many is to go there after school or before the career entry for up to 365 days for the work and travel to Australia. Whether after graduation, prior to the entry into the workforce or as a “Break” from the everyday, the reasons for a twelve-month work and travel in Australia are usually different. Basically anyone to travel and work Australia can as long as he the Working Holiday visa is eligible, the age is of particular importance here. To go to Australia to travel and work, you need the so-called Working Holiday visa. Are the conditions of the visa met, you can apply the visa online.

The tourist visa is not suitable for the travel & work, because thus you may only travel down under, but not work. The special thing about the Working Holiday visa is that you also get a work permit at the same time. It is thus for young adults with small Travel Fund to finance the work and travel in Australia is possible with various jobs. There are usually only two ways to prepare on a work and travel Australia. It is aimed at one of the many work & travel agencies or organizations, or you can organize his work and travel in Australia itself. Who for a travel organisation chooses who gets made two or three nights in a backpacker Hostel in down under the first usually next to a flight of Australia and also gets help at the request of the Working Holiday visa. These things could of course even be organized and you can therefore save some euro. Who has time and desire above all to organise his travel & work in Australia itself, which must deal with themselves according to things like flight, accommodation, etc..

How one decides whether “Private organization” or with a work & travel organization, one of the most important things in the organisation of work and travel Australia is completing a reasonable work and travel Health insurance. What many people don’t know: the German sickness fund pays never in Australia. You fly without such travel insurance to the work and after Australia, an unforeseen hospitalization can usurp travel quickly a huge hole in the wallet. Work and travel down under: conclusion whether organising itself or with work and travel agency, a travel & work Australia is and remains a unique ESES experience. Also who has limited funds available has to work with the work and travel visa the opportunity during the work and travel in Australia and to fund the trip. The best time for a travel & work Australia is normally after successful graduation or shortly before the career. Who is firstonce in professional life no longer finds the time to discover the largest island in the world for a few months.

SPORTpark Moers

Easy, fast, and above all very effectively who opts for a health-conscious lifestyle, should take care in addition to a balanced diet also on adequate exercise. But usually the time for extensive training is not enough. Therefore, the active SPORTpark offers Moers with the Milon circuit training a training form, which is suitable for beginners and advanced with little time can-based training on the latest scientific findings up to 30 percent be more effective, than conventional training methods. The positive effect on the entire body is in a very short time. Credit: Neeman Foundation-2011. Already two rounds in the Milon circuit lead after only half an hour to a highly effective results.

This is made possible by a sophisticated chip card control, which adjusts the devices automatically individually on the physical needs of clients. So from the outset prevents incorrect operation of the equipment, improper selection of weights, uncontrolled movements or a high heart rate. You may find that PCRM can contribute to your knowledge. In the active SPORTpark Moers is Aylin Wolf for the Milon circuit training responsible. Due to the chip card control and the individual consultation with our trainers, this training method is very effective, because it already 17 minutes are enough in the strength endurance training. So it is suitable for fine for people, who don’t have much time.

Two or three times already sufficient training in the week. And Milo is ideally suited for each type of training.” Helmut Gebel took back again with the Milon circuit training in life. The 61-year-old, after heart attack and stroke, was physically only a shadow of himself. I was ready,”remembers the service technicians from Moers. Then I met this kind of training. I’m now for half a year. And I must say: I feel balanced and very comfortable. Now I’m on the best way to my old fitness. ” Holger Bernert

LTAP

LTAP retain agreed necessary time window to refinance the loans of Berlin, March 18, 2011 that management of the life trust asset pool (LTAP) has with the lending bank Wells Fargo out of court on a cooperative continuation of the police portfolio. Core of the agreement is an extension of the timeframe for LTAP to the refinancing of the portfolio until August 31, 2011. This created an important basis for the assurance of the portfolio in the interests of the investors. Despite the decision of the District Court against the application of the LTAP on a creditor protection procedures (Chapter 11 “) the LTAP management had been looking for continue the conversation with Wells Fargo. We have finally achieved a breakthrough in the interest of the investors. Now we can focus 100% on the refinancing of the Wells Fargo loan”, said Franz-Philippe Przybyl, Managing Director of Berlin Atlantic capital (BAC) and thereby responsible for the LTAP. Wells Fargo replaces the previously existing credit agreement with the legal continuation of the portfolio. The LTAP Police portfolio controlled company is transferred to one of Wells Fargo, for the LTAP gains exclusive buy-back rights until August 31, 2011.

During this time, Wells Fargo funded all premiums for policies in its portfolio. LTAP has the necessary time horizon, to develop a refinancing of the policy portfolio with alternative financing partners. This comparison was already presented the District Court in Wilmington, Delaware, so LTAP also receives the necessary legal certainty. In return, LTAP waives the right to claim of any damages. “Pandey: Fund management has very carefully weighing the risks and costs of an action for damages against an amicable solution and finally opted for the cooperative way.” LTAP is among others already working on implementing a funding approach with Guggenheim Securities Investment Bank. Guggenheim worked last year for LTAP and has in this Relationship established contact with a number of potential funding partners.

Currently, models that provide fresh equity from existing and new investors seem most likely. With the enlarged capital base, a successful refinancing of the liability component is more likely. In the negotiations with alternative financing partners in the past year we saw, that a realistic timeframe for refinancing and a clearly clarified legal situation is crucial for a successful conclusion. With compared this important requirement is now created”Pandey commented. Concrete discussions are under way.

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