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The Terms

He must set the amount he can not use at the beginning of investriert and during the austerity period, of course. But are also often Restrictions foreseen, since the credit institutions agree a minimum and a maximum, which must not be exceeded. The minimum investment amount is at the Festgeldanlage at about 500 to 10,000 euros. The maximum investment is very different. In extreme cases this can be exceeded as well, the amount that exceeds the maximum limit, will no longer remunerated. Thus saving would be worthless for the investor, so he must abide by the terms and conditions provided by the credit institution.

To choose the best possible conditions for themselves, it is advisable to face each other with the various credit institutions. Why should the deposit be compared the financial market is a heavily umkampfes area. More and more market participants are involved in the ongoing battle for the best position. Every year thousands of credit institutions are added and for the customer, it becomes increasingly difficult to find the perfect lender for themselves. Certainly, he can visit the regional banks, lead countless phone calls and appointments, arrange and manually compare the offers. Savers but can save you the frustration associated himself, if he simply online fixed deposit interest rates comparison chooses.

So he is facing the virtual provider and can opt for those, who has the best interest rates and other conditions are significantly better than the competitors. What is the fixed deposit calculator at the time deposit? The fixed deposit calculator is a virtual program that determined the best interest for the chosen duration within a very short time. Savers can advance calculate so an interest rate of Festgeldanlage, specifically to plan his austerity measures. The fixed deposit Calculator displays which interest rates currently grant which credit institutions according to different investment amounts and maturities. Savers can make manually the individual inputs, so how about the desired investment, that he is ready to leave with the Bank as well as the period in which he can waive this amount. As a result, he gets one then Sum that beckons him with constant life situation within this period of time. So he can determine whether the saving is worthwhile or not.

Qualification of Brokers

Special issue of the quarter: qualification and training of brokers and multiple agents Eltville am Rhein, 03.09.2012. The appropriate sales mood of brokers and multiple agents in the second quarter of 2012 its year low reached: 70.9% of surveyed agents are currently at least pleased to enthusiastically with the distribution of financial services products. Thus, a clear majority of the intermediary is certainly positive. Compared to the beginning of the year, it means that the atmosphere has eased in three quarters by a whopping 12% points. The reasons are broker perspective in the current euro crisis and the associated uncertainty and reluctance of end customers. But also the political rules and bureaucracy strains express III/2012, which has been carried out on behalf of bbg Betriebsgesellschaft Consulting GmbH by the management consultancy SMARTcompagnie GmbH and analyzed on the mood of the intermediary, so the results of the online survey to AssCompact trend.

Product-trend indicator: BU is a top-seller product-The product-trend indicator shown in the study is used from the Intermediary opinions to infer possible trends and future opportunities for the different products. It is striking that currently a good sales potential is attributed to the disability insurance and this is seen in the future. The today’s top 5 products include disability insurance, private liability insurance (1), (3) home insurance, homeowners insurance and motor insurance (5). Qualified training opportunities In the current special subject of study, the mediator wish was illuminated the qualification and training of brokers and multiple agents from the perspective of the agent. To view the current results of the investigation, that the participants in the average visit six presence events and take part in twelve Webinars per year. The statements of the intermediary to the relevance of education certificates and certificates as well as satisfaction with individual, completed training are also exciting. More questions to this Issues were among other things, how much time on average will be invested in the training and which companies or which establishments in the life, property, health, taxes and law categories offer the best training courses.

Federal Court

We want to sensitize more the dishes for the problems of insurance customers”, so Jens Heidenreich. The judges must be pointed out once the gaps in the legislation, so that they appropriately deal with the issue. And we succeed more and more and ever faster. Our network of lawyers who specialize in insurance and consumer law are absolute professionals”, explains Heidenreich. A regular exchange of ideas and experience there, which allows you to apply all knowledge in all other proceedings supervised by LV doctor. Just the unpublished note decisions of the courts and the Federal Court are known to only the network lawyers and are often the key to the success of the process. Legal expenses insurance assume costs for full premium refunds from Life insurance by he leads more and more individual cases in various courts, LV doctor gives additional importance this topic.

The insurance companies themselves give all people the opportunity to do: namely the right protection division. The increasing success of LV-doctor in court the legal expenses insurers to use the occasion, to grant more and more cover letters for the trial, even if it goes against group-owned life insurer. Because that is one of the criteria for that: a trial at all is how promising? If so, the success of the lawsuit is rather dubious, insurance will not take over the costs of the proceedings. An average of 7,000 euros payment of life insurance through the know-how of the LV doctor lawyers with more than 1,300 procedures that are pending throughout Germany, is properly getting. The various attorneys of LV doctor network Exchange regularly and get non-public so all the information such as the Note decisions, even if they do not serve a procedure.

They can then apply them in their procedures. Through this cooperation we combine our know-how and had more than 50 procedure submit until now within a short time court the Supreme German. The Consumer Council estimates the loss in life insurance on an average of 4,500 euros, the average claim amounts of procedures supervised by LV doctor is about 7,500 euros–this higher demand arises only through the back of a reasonable interest rate.

Satisfied Consumers

Marketing agency from Frankfurt with Beck’s advertising campaign successful Frankfurt – not without pride looks TLC marketing from Frankfurt on the current evaluation of feedback from consumer circles around the settlement of Beck’s mix & Win campaign. When purchasing one or several Sixpacks consumers automatically received a voucher for shopping, a 2for1 cinema year card or a free round-trip airfare within Europe. The campaign, supported through a promotional website, various TV commercials and POS placement could be accounted for by Beck’s as success, because they exceeded sales expectations. Ultimately, it is but also to deliver on the promised premiums within the framework of a Europe-wide fulfillments. And here Chris Doerstling shows very satisfied: A premium action of this magnitude is on the one hand, always a challenge.

We could rely on the downstream, certified fulfillment processes and handle the job smoothly around the redemption.” The Germany boss is used, according to quality standards work and confirmed that they are extremely important and effective default, to stay in the game with such prestigious brands such as Beck’s. We know that a consumer thanks is not always to be expected, we were allowed to get but to enjoy of many thank-you emails, which we very happy. Confirm once more that Beck’s to continue the activities of leisure & lifestyle-experiences and expand. Finally brand in this way show that they think even after the purchase to their customers”. Interested marketers can elaborate more about the action and your feedback see de. Chris Doerstling available also gladly exchange of experiences under XING.

Ahrens LAF Awareness Campaign

Ahrens Schornsteintechnik enlighten with a free advice hotline. Around 42 percent of the total energy consumption of in Austria go on the account of the housing/building area (source: igpassivhaus.at) the rising number of passive and low energy houses which efficiently counteracts. Modern low-energy houses have a measure of energy under 30 kWh/m2a, passive houses under 10 kWh/m2a. Current alternative? Yes, with additional stove and chimney system for ambient air-independent operation. It’s now even particularly cold and there seems little sun, as well as in the winter, then it does, that the calculated heating load is not sufficient and needs to be heated. Often, this happens through a heat pump that is heated with electricity. However, this has safety risks E.g.

power failure in itself. An efficient alternative is to purchase an additional oven. However, each combustion required oxygen, where there may be no connection between the stove and space in airtight houses but. Therefore there are specially tested and approved fireplaces on the market AMBIENT air independent operation. They are connected exhaust-side to the flue and air-side to supply leadership, not compromising the independent circuit of controlled housing ventilation. The Ahrens LAF will be routed the combustion air from the outside of the chimney head and the annular gap to the Firebox (tile, fireplace, pellet stove).

The chimney head is trained it so that no fumes with the fresh airflow can mix. The supply management necessary for the additional heater about the system exhaust system can be realized the easiest, cheapest and safest. Having a room-air dependent fireplace, would you suck the air from the room, smoke could be drawn due to the negative pressure in the room (due to controlled housing ventilation) from the stove in the room. This would mean mortal danger”, as the gew. Managing Director Bmst. ing. Edmund Drohojowski. Ahrens explains whether chimney sweep, homeowners or builders eventually deals everyone who builds a passive house, with the theme of energy supply. Even if it is relatively low in buildings in low energy construction. Often encounter questions concerning operation of an extra fireplace. To remedy the Ahrens of now all interested has provided an educational video to the LAF: this video arrives on the functioning of the LAF Ahrens. The Ahrens LAF is the only fireplace system with concentric air/exhaust duct and W3G approval, as well as additional suitability for pressure operation (P1). This is possible due to the unique isostatic Ceramic tube with 6 cm sleeve. Constantly requests by passive homeowners reach us, how they can best the needs rest heat in their building. This is a technically complex issue with which we are concerned for decades. Provide this information publicly available, to make the function of an ambient air-independent chimney more transparent. And I think, well we succeeded with the product video for the LAF Ahrens”, so Managing Director Mathias Ahrens.

Master SOS

SOS animal BBs care is an official partner of the animal welfare Alliance of global animal Club SOS animal s care is now an official partner of the animal welfare Alliance rabbit fattening, no thanks. For more than 12 years, the animal Club offers its members service benefits around the topic of animal and environment”. He promotes the animal – and nature – conservation worldwide. So SOS supports animal’s care animal clubs easily in Germany and all over the world. Since a few weeks SOS no thanks officially included in animal’s care the animal welfare Alliance rabbit fattening,”. “Ingo Schulz, spokesman for the animal welfare Alliance, welcomes the accession: we are pleased about the new partner of SOS animal’s care, we have a large increase in partners in a short time and that shows our supporters that we are on the right track.” Under the name rabbit fattening, no, thank you”well-known animal protection organizations in the fight against the rabbit mast have joined forces.

While the Alliance is a look behind the scenes of brutal reality Rabbit production in the industrial factory farming and reveals how trade groups and lobbyists try to hide the cruelty behind a shiny exterior. Industrialization did not stop before the rabbit attitude: on wire mesh held animals provide less personnel, the feed belt runs automatically. The use of drugs is on the agenda. But all that interested the Master probably hardly, internal documents show: A double-digit percentage loss rate is perfectly normal. An animal more or less, what does it matter. Particularly cruel: The sensitive paws cut into the grid, thus programmed are painful injuries. Artificial light sources provide an extended daily routine, thus eat more of the force feed the animals, are getting fatter, put more and more meat, the more, the better. Time is money, this is true also in the rabbit fattening business.

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Municipal Election Campaign

Bonn Bundestag delegate Stephan Eisel holds for telling it that the SPD with the Governing Mayor of Berlin, Klaus Wowereit, opened their local election campaign in Bonn: “it speaks volumes that the Bonn SPD has just invited the SPD leaders, who not only constantly calls for the repeal of the Bonn-Berlin Act, but also promoted an alliance with the left party as a model for the future. There you can shake just the head.” Eisel reminded that Wowereit repeatedly call the “fair division of Labour set out in the Berlin-Bonn-law” between the two cities as “anachronistic” for about four years and call for the relocation of all ministries to Berlin: “such politician exists in all Berlin parties, but must you invite therefore the Bonner marketplace? “It would be better to remember that made commitments to comply are Mr Wowereit and it in the would be unacceptable to bleed the taxpayers for such relocation fantasies.” On the credibility of Wowereit we must therefore excited words. The question according to Eisels arises, what signal would give the Bonn SPD with the invitation of the SPD political leader. Wowereit argued aggressively for an alliance with the left party at the federal level and prefers the coalition with the SED successors in Berlin in cooperation with the democratic parties in the Berlin House of representatives: “that reminds one of the old folk wisdom: tell me who your friends are and I will tell you who you are.” “” The Bonn SPD election campaign slogan stonn Zesamme “an interesting meaning gets here.” Press contact: Dr. Stephan Eisel, MdB – constituency office – market 10-12 53111 federal city of Bonn Tel: 0228-1849 98 32 fax: 0228-1849 98 34 Dr Stephan Eisel, Member of the German Bundestag of the German Bundestag elected member of the Board of Trustees of the Center for advanced European studies and research (CAESAR) by the German Bundestag elected member of the Board of Trustees of the Deutsches Historisches Museum (DHM) from the Federal Government named member of the Board of Trustees of the European network “Remembrance and solidarity” by the Federal President on a proposal from the Federal Government designated Deputy. Member of the Board of Trustees Jewish Museum Baird

Word Campaign

Heavenly: The new saarVV Christmas campaign Saarbrucken, 07.12.2010 – 210 city light posts in downtown Saarbrucken are occupied with both Christmas and shopping motives of the saarVV, five of them are covered with huge shopping bags from printed PVC tarpaulin. “On sympathetic illustrations, Santa flies himself with his saarVV bus-sled” or railway carriage “through the skies. That his outfit in from head to toe or from the CAP to the boots is green, has nothing to do with color blindness, but with intention: Green stands for environmental and ecological mobility. Because the passengers make an important contribution to climate protection, if you leave your car and use public transport to the Christmas shopping, Christmas party or the visit to the Christmas market. Avoid traffic jams and save the parking space search, comfortably ride buses and trains in the saarVV. In addition to this outdoor advertising is the message in the context of an integrated campaign additional media support: via ads and radio spots, in which Santa Claus comes to Word and of course gives a statement to its new look. Innovation character proves in this campaign also the cooperation of the saarVV with the DB Regio Sudwest. Because not only the saarVV – day tickets for rides in the Saarland are advertised as products, but also the Saarland – / Rhineland-Palatinate ticket of the railway, which is also offered in particular for trips across the border to Rhineland-Palatinate. Design and realization of the new saarVV campaign are marketing & design in Saarbrucken at the advertising agency of Hague. More information: or contact: Hague marketing & design GmbH Judith Petit project manager Abdo boiler primary breed 17, nee B8 66115 Saarbrucken 0681/99281-34

WEB Campaign

In Camden, where the Drug use is highest, the police in the area had even two displays for the truth about drugs “and helped with the distribution of the booklets. In the South of London, another drug problem area, the officials to all visitors of the area distributed drug facts”booklets. A total of 12 police stations distributed by Tottenham and Paddington to Southall and Southwark booklets in their areas. In the fourth phase, the distribution points were extended to London in over 6200 Cafes, eateries and shops. Traders and shop owners supported the campaign with great enthusiasm and exhibited materials to take for visitors. The last phase of the campaign included a global Alliance ambassadors from the drug-free World”to find.

They visited embassies and consulates in the city, and informed them about the purpose of the campaign. In this way it managed the teams, leading diplomats, including the Ambassador of Liberia and the High Commissioner of Sierra Leone, as well as the first Secretary of the Colombian Message for this Drogenaufklarungs campaign to win and sign the pledge for a drug-free world. Top athletes could be won as well for this campaign. Total athletes and coaches from over 50 countries had signed the pledge, to take the drug-free message in their home countries. Until the Olympic torch went out, the teams of volunteers and Scientologists, thanks to the support of the IAS, a million books in the public domain were distributed. This is the most significant distribution of the truth about drugs”worldwide. L. Ron Hubbard, founder of the Scientology religion, campaigned have already in the last century, to educate people about drugs very closely.

He was of the opinion, that people take the drugs, destroy their physical and mental health, and preventing a stable progress of mental well-being with drugs. It was also demonstrated when enlightened young people with factual information about drugs, drugs are not what drugs access.

TuV Campaign

The BILSTEIN suspension ClubSport has a street-legal, and appeals to the target group of motor sports car driver and tuning fans. Dusseldorf, may 2012 for its automotive customers, ThyssenKrupp Bilstein tuning GmbH, Dusseldorf communications agency FORCE realized now an extensive marketing campaign for the introduction of the premium chassis BILSTEIN ClubSport. The campaign addresses motor sports car driver and tuning fans with a passion for lively driving and high demands on the performance of your vehicle. You now benefit from professional technology: because the high-end Coilovers BILSTEIN ClubSport has by TuV a street-legal. At the same time, this premium product uncompromising suited to the racing and ClubSport is constructed. The chassis combines the proven BILSTEIN monotube – gas pressure technology with the highest technology standards from motor sport and is available immediately. Design agency FAB12 designed the product brand ClubSport FAB12, design agency partnership associated with FORCE, has the design of the product brand BILSTEIN ClubSport developed and focused with her design on the target group of racing enthusiasts.

Black and silver dominate the appearance of the campaign and communicate high quality. The color language puts the high-end technology of the BILSTEIN suspension ClubSport in the Center and to awaken the desire for a unique driving experience. Design daughter by FORCE, the Agency FAB12 develops high-quality, distinctive appearances for the strategic and substantive communication solutions by FORCE. FAB12 covers a wide range of creative fields of expertise in which the creative independently operate for design jobs including print design, corporate design and Web design. Image trailer turning with Walter Rohrl at the Nurburgring brand communication for BILSTEIN ClubSport includes advertisements, sales materials and packaging design. The centerpiece of the campaign is an image trailer turned on the Nurburgring with the Motorsport legend Walter Rohrl. Two-time World Rally champion and often dubbed as the best Drivers of all time”: Walter Rohrl, during his professional career in the 1970s and 1980s as a perfectionist was par excellence among all drivers, is the ideal testimonial for the BILSTEIN ClubSport campaign, because he is still very popular and enjoys high credibility in the racing scene.