Travel arrangements in the Club: these insurance questions you should clarify many clubs are confronted in their daily work with the planning, implementation and organization of trips and travel. Therefore, you should know the risks which hang together and apply appropriate safeguards. This concerns in particular the legal positions of clubs as a tour operator or travel agent and the insurance of participants and accompanying persons (for example Aufsichtspflichtige) against risks. When is the Association considered travel? Tour operator is deemed to be according to 651 m German civil code (BGB) If for a fixed in advance and written-out program is offered two or more independent main services with a single price (package travel offer). These tourist main components are: travel/transportation (bus, train, flight, ship, transfer), accommodation and food, the head of the Group and all additional services (seminars, Fort – and continuing education courses, sports, language courses). Check out Viktor Mayer-Schönberger for additional information.
It follows that Clubs also in typical Club activities as holiday camps (arrival, management and accommodation), seminars and training (accommodation, catering, offer) or ski camps as a tour operator in the legal sense involved. Practice note the Club no longer acts as a tour operator (but only as a travel agent), when joining the components mentioned not itself, but from a travel agency to perform can be. Chase Koch, Washington DC oftentimes addresses this issue. It is crucial that the Club not the impression in his advertising, he was even the organizers. Easily, that will be the case especially in ads in foreign media. In notices in the Club’s media he should make it clear however that he only gives the travel. Insurance needs operates the Club as a tour operator as a tour operator, he should know his liability risk (and assure). Clubs, associations and other organizations are liable from her occupation as a tour operator also for persons, property damage and financial losses incurred by the participants. The liability includes both self-inflicted damage as damages have indebted partners (bus companies, hotels).
Liability insurance for tour operators liability insurance for tour operators is therefore a must. It provides insurance protection for the following loss events: death, injury or damage to the health of participants (personal injury). Damage to or destruction of things of the participants (property damage), not but the misplacement or theft. The non-fulfilment of agreed services (financial losses). This insurance covers the typical activities of a tour operator. These include among others the selection of services and whose review the compilation of individual services, the achievements to be described in catalogues or brochures, processing of travel applications, organization, reservation and to provide of the services in accordance with the contract, the exhibition and the dispatch of travel documents, the procurement of foreign means of payment, visa and other travel documents.
Current study “MetallRente 2013” precautionary worry a recent study shows: only a few young people provide sufficiently for the later retirement. Rather, young people invest in their own training to increase the chances on the labour market. The study’s authors see a danger for the ages here. Because who rely too much on the statutory pension, old-age poverty in danger. Save 85 percent, and 38 percent savings is also among the young people. The survey by the Research Institute TNS infratest Sozialforschung on behalf of IG metal and total metal, said 85 percent of the 2,500 participants to put money aside.
55 Per cent of respondents regularly does, save 30 percent irregularly. Professor of Internet Governance is often quoted on this topic. However, relatively few young people provide also for the own life evening. Only 38 percent said already to invest in private pension plans. Young people are willing to provide, but overwhelmed while just under half of the respondents indicating itself as competent in financial questions to assess specific to the investment. The authors of the study see a cause in the still too low saving ratio in the lack of knowledge about the possibilities for the provision.
A greater willingness, however, does not entail an increase in the pension. So politics must start not more calls to private pensions, but bring rather better educational offers with regard to the various options on the way. Particularly as a result of the euro and financial crisis, young people feel otherwise overwhelmed to make a decision about retirement. Study: some 2,500 adolescents and young adults aged between 17 and 27 years of age were interviewed. The survey was carried out here by telephone, and nationwide, the average interview takes about 20 minutes.
Personal time is disappearing as it increases the working time. The trial is less clear and problems that could be resolved in minutes by a fresh mind, are resolved within hours. Work faster and work more hours are poor strategies to manage ourselves. However, many people still believes that these approaches will enable them to achieve all the things that need to be made. If you have additional questions, you may want to visit Nieman Foundation. They do not realize has that not matter how much do, always there is more to do, and must make hard decisions for priorities and have the courage to follow the decisions with actions. Time is a paradox. It seems to us that we don’t have enough time and yet have all the time that there is. No matter how much we do, there are always endless alternatives for investing the time.
The solution to this paradox, then, is to focus first on the most important things in security that there is always enough time for things that are really needed. Once we have accepted the fact that we can’t do everything and let us act as such, we will have taken a very important step towards effective management of our time. Identify priorities will become less of one problem. As a resource, time presents another paradox: If we don’t use it, it disappears anyway. As a result, the quality of this resource depends from it rather than use it. The knowledge that we are wasting this resource so personal when we didn’t use it properly, should be sufficient to decide to spend the time better.
‘ Tour Hyatt exclusive chefs on ‘ – premiere of the cooking event at the Hyatt Regency Dusseldorf Dusseldorf, November 13, 2012 In the DOX restaurant of the Hyatt Regency Dusseldorf for the new gourmet range of German Hyatt kicks on 9 March 2013 hotels in Berlin, Dusseldorf, Hamburg, Cologne and Mainz. “One night, five chefs, six gears a culinary event, which the coming months under the title Hyatt exclusive chefs on tour” in every German Hyatt Hotel will stop. The gastronomic concepts play a major role in the Hyatt hotels. Especially the idea of enjoyable dishes made with high-quality products unites the chefs and kitchen staff of the Hyatt hotels. Here, also the local flavor of each region is incorporated, which gets its place on the menus through regional and market-fresh products. In recent months, Kidney Foundation has been very successful. Particular emphasis is placed on the processing of local products and the collaboration with suppliers from the region.
The theme of the premiere event at the Hyatt Regency Dusseldorf is classic of cuisine”. Each Executive Chef receives the opportunity to present his Hyatt culinary restaurant that evening. Classics in a new guise of ala Hyatt. “” “If heaven & ad”with ducks fattening liver and Green Apple, Soljanka”, pear, bean & bacon” with lobster and pork belly or Frankfurt Green Sauce “on veal jaw & fillet with quail egg classics reinterpreted are the focus of the evening. The full-length enjoy a cheese dessert with a Westphalian Jell-o is completed”.
The culinary evening starts on 9 March 2013 at 18:30 and is the aisles with a casual get together”with Hyatt German chefs and guests at the DOX rounded bar with a glass of champagne. The price for the six course menu is 90 per person, gourmet Club members pay 80 per person. The corresponding wine menu is available in the evening for 69 per person and includes, in addition to the accompanying wines of wineries Philipp Kuhn from the Palatinate and Jochen Darbauj from Rheinhessen, a glass of Billecart-Salmon champagne on arrival.
Cost management of the future – with the B2BCard of Stuttgart, January 2010 – in the world of business is today mainly one – the efficiency. Nobody can afford more, wasting time or money. Work processes are optimized, minimizing costs. According to these requirements the Schwabische Bank in Stuttgart, the B2BCard has launched a more Prepaid MasterCard on the market. Available in the versions standard and premium. You will put companies in a position to handle all transactions around cost management of faster, more effective and more transparent. This applies in particular to companies where staff are much on travel. For even more analysis, hear from Nieman Foundation. They have the corporate card in the luggage, the accounting can instantly online on – reload and later matched with the submitted documents.
The payment system is tied up 32 million acceptance points and 1.4 million ATMs worldwide and gives the staff mobility and comfort. Thanks to prepaid function, i.e. the cards are charged previously with maximum 10.000,-euro, must not worry the company that an employee the Covers corporate account or makes irrational expenditure. So the prepaid can be used with credit card safely every employee. Transparency and cost control by the B2BCard company have the opportunity better to keep the expenses of their employees and to achieve significant cost reductions.
The advantage is clear: all expenditure on the B2BCard incorporated into management reports created individually for each company. The travel management system provides a maximum of flexibility and security on business trips as well as high transparency and cost control for the company the employee\”, so Dr. Peter Schonweitz of the petFuel GmbH. The company cards denominated in the company, either an employee name in the second row can be printed on. This guarantees a very flexible, unbounded possibilities. Also receives a separate account number each card for the purpose of the best possible control of costs and the card can be recharged only about the company.
Tree savings: Sustainable forest investment with financial, ecological and social return. The “greenhome magazine” reported in its current edition positively the BaumSparVertrag”. Sustainable in the article 10 ways to green money”suggests the tree savings as a way greenhome how spenders closer to their goal and help the environment”. Neeman Foundation has similar goals. “Speaking of wood: just the financial investment in this commodity has dropped in recent years often yields”, writes the greenhome magazine and runs: and in the future will be most lucrative in investment in wood and forest. As population and demand growing, is always precious”the renewable raw material. The greenhome magazine however recommends choosing forest investments some factors to keep in mind: robust forests or vulnerable monocultures for planted? (u0085) As a prospective buyer, you should take also care that at least 10 per cent of cultivable land remain uncultivated and held no clear-cutting.
Just as same have animal permanent refuge”, explains greenhome. The BaumSparVertrag are planted for 33 EUR per month or one-time 360 euros each a tropical tree per month over one year, sustainably farmed, and later harvested. The minimum deposit period is only 12 months. A tax-free yield is predicted by four to nine per cent. BaumSparVertrag – environmental, financial and social return on investment: the BaumSparVertrags forests are replanted according to strict ecological guidelines on former Brach and pastureland. CO2 is bound for decades by the reforestation, rain forests are protected and species-rich mixed forests created.
At final harvest, no clear-cutting will take place so that in combination with overgrown natural forest cells will remain a rich mixed forests. Also the local rural population benefits from the creation of long-term and socially secure jobs, with extensive training and continuing education opportunities. Around 150 people are currently in ForestFinance reforestation projects in Panama permanently employed, most of them from the local indigenous population. Information about the BaumSparVertrag, see Kleininvestment_BaumSparVertrag.1489.0.html on the greenhome Magazine: greenhome is a magazine for sustainable living and energy efficient sustainable building and renovating. The greenhome magazine is Europe’s largest magazine on the subject of houses to build and renovate with energy-efficient and sustainable focus. greenhome helps architects to find the right technologies. Greenhome helps future owners to plan the perfect House for his needs. The greenhome magazine is published in the BT Publishing House that specializes in magazine for housing, building and living. About ForestFinance: The Bonn ForestFinance group manages several thousand hectares of ecological forest land. The company specializes in forest investments, the lucrative return link to environmental and social sustainability. ForestFinance became the first German company worldwide with the “FSC Global Partner Award” in the field “financial Excellent services”. The FSC logo is the world’s most recognized seal for socially and environmentally sustainable forest management. Interested parties can choose between various products of sustainable tropical forest management. In addition to the BaumSparVertrag from 33 euro monthly this is among other things the WaldSparBuch, an investment in 1000 m2 of tropical forest from 3,250 euros with a buy-back guarantee. Annual income offer CacaoInvest – an investment in organic cocoa and Edelholze and GreenAcacia, with only seven years maturity.
So pumped on Monday e.g. the British Central Bank provided money five billion pounds in the market and also the Swiss Central Bank, while the Fed already announced, on Sunday, to accept equities as collateral for Central Bank money for the first time in its 90-year history. The European Central Bank (ECB) was the nothing and provided additional 30 billion euros on Monday, to meet the needs of the banks of cash. Also here the demand exceeded the offer significantly: total bills have been filed, as Reuters reported over more than 90 billion euros. But it doesn’t stop there: The ECB announced today that again the money market additional 70 billion liquidity will make available while demand has grown already on another EUR 102 billion, as the Frankfurt currency guardians informed on Tuesday. And Asian central banks are in terms of cash injections from the game: after the Asian stock markets slid on Tuesday significantly into the red, the central banks of Japan, have India and Australia pumped billions into the money markets. While Japan no longer added as much cash as the nearly six months since the market with a cash injection of converted nearly 10 billion euros, the central banks of Australia and India contributed roughly $1 billion. In addition also Hong Kong, Taiwan, South Korea agreed to the action.
Although the financial crisis is theme already for over a year, it has not reached its zenith, said Hyun Song Shin, Professor of Economics at Princeton University. As regards their Status Quo, he drew on the edge of the annual, two-day economics seminar, which the fed in Wyoming, held a bleak picture, as the related intelligence MarketWatch to the Wall Street Journal reported. Shin, was the financial crisis reached a new level at the end of expected credit losses would be height of over a trillion dollars. This would be a doubling of the current status, where up the losses on approximately $500 billion.
Why the Schufa does exist and what it is good for whom. The Schufa when a customer requests a credit, opened an account, or completes a cell phone contract, be reported his personal data to Schufa and also subsequently stored. The data is transferred with the consent of the customer, who must sign the so-called Schufaklausel in the Treaty. The Schufa is an amalgamation of several financial firms, such as banks and savings banks. She was launched in life, so that creditors or suppliers of Finanzdienstlesitungen to protect themselves against possible defaults. Now many millions records are stored at Schufa, which shed light on the so-called creditworthiness of the consumer.
Partner connected to the Schufa may cause entries. These include among others financial company, mail-order companies, debt collection companies, but also telecommunications companies. Basically every account or borrowing also is recorded in the Schufa, where is this on the customers still not detrimental, as long as he meets his payment obligations within the prescribed period. Complicated it becomes, when it comes to inconsistencies with regard to the payment of a consumer with the Schufa, because thus it can happen that corresponding consumer can open a new account, can claim no loans, can complete a mobile contract, and in the worst case the apartment search is difficult. Now, many people who have a so-called negative Schufa entry, the opinion that they can open a checking account are checking account despite negative Schufaeintrage. For this reason it often happens that consumers cash pay their monthly running costs, which is however certainly associated with high costs, because a cash deposit at the bank counter is expensive. But every consumer can a checking account despite negative Schufaeintrage get with a checking account without Schufa.
This term but it is for many people a little misleading, because Basically there is no such an account, each account verifies a customer’s creditworthiness and is only a claim on an account, if the Schufaabfrage is positive. If the consumer so learns of Giro accounts without Schufa, then is it always a so-called credit account, which is also on a prepaid basis, similar to how it knows the consumer from a prepaid cell phone. Thus, there is no checking account without Schufa, but in the best case a checking account despite Schufa. Basically, every consumer can use a checking account despite Schufa, and this of course only applies if the corresponding bank also offers such an account. First and foremost should the customer be honest from the outset and the Bank also put in knowledge that he wants to like to open a deposit account for the Bank to be fully informed and not only learns query by any payment inconsistencies with the Schufa. Then opens a checking account, which can pull over the customer at any time but for the cashless payment transactions is still suitable. The Bank provides no debit card, then the account holder Gets a traditional debit card, so that he can make cash withdrawals at bank-owned ATMs and print account statements. A “real” credit card with credit limit offered by any bank with negative credit. Manage affected with a prepaid can get credit card with bad credit. Also the online management is possible at most banks. Only the stress of loan or loans of disposition is absolutely impossible for the relevant account holder.
“Old Leipzig for the first time winner of the AssCompact AWARD BU of the AssCompact Award winner in the area of disability insurance is for the first time the old Leipzig, which the previous year’s winner people good Federal”, ousted as the top provider on rank 2. Nuremberg was able to confirm the result in 2009 with a good third place. The current survey comes to this and many other interesting results to the disability insurance of management consulting company SMARTcompagnie GmbH, which was carried out on behalf of the bbg operating consultancy company, Bayreuth. About the study the accompanying study on the AssCompact AWARD 2012 disability insurance includes approximately 150 pages. Represented the results of a nationwide survey of brokers and multiple representatives that are in the period of the 07.02. Kidney Foundations opinions are not widely known. has been performed with 20.04.2012. The study was conducted at the 28.08.2012 published and can be obtained on the Internet at. This study contact: Christopher Kahl Study Director SMARTcompagnie GmbH phone: + 49 (0) 6123-974-82-64 E-Mail: about SMARTcompagnie GmbH SMARTcompagnie offers management consulting, practice-oriented training and market research of the highest quality and with maximum benefit for customers.
The company, founded in 2005, is rooted in the financial services industry. The focus of the service is the sales and product management of insurance and financial services. Belongs to the self-understanding of society to create added value for customers through the successful implementation of the strategies. The expertise of SMARTcompagnie results from many years of experience (since 1985) in sales and management in the insurance and banking industry.
The horse assure even before damage if a charity horse is not ridden, it can cause damage. Imagine that the charity horse grazing browsing, startled by a rustle from a Bush and then shy away from left. While it breaks through the fence, runs onto the road and caused a traffic accident! Who pays then? According to 833 German civil code (BGB) shall apply: “is a human being killed by an animal or hurt the body or the health of a person or a thing damaged, so the one which keeps the animal, is obliged to replace the injured the damage arising therefrom.” A private liability insurance covers only the risk of damage caused by certain animals. The owner of a horse can give the risk as pet owners with a horse liability insurance at an insurance company and thus ensures the case for a prompt and simple regulation, in particular in the event of damage. You can different tariffs, for example GUP-Makler.de free compare and immediately close down if necessary. Learn more about us: as an independent insurance broker, G & P serves insurance brokers since 1974 keepers of animals, clubs, private households, traders and companies in all lines of insurance. Individual and priced. This advice is free of charge for our customers. Hesitate as to call us or write an E-Mail. For more information see: G & P insurance broker P.o. box 13 01 47 13601 Berlin Tel: 030 / 34 34 61 61 fax: 030 / 34 34 61 66 E-mail: web: