Month: May 2020

Franke Banks

If there are institutions which benefit from the financial crisis, there are the savings banks and cooperative banks. A recent study of by GfK comes to this assessment. A study of the Nuremberg market research GfK showed that the Germans in your House banks despite the currently troubled economic situation, in particular in the financial markets, not confidence. 91 percent indicated the respondents, regardless of all the negative headlines to be remained faithful to their financial institution. The much-feared looting”the accounts did not materialise.

In particular the approximately 450 savings banks in the country are highly popular. More and more investors want to put their money in security and choose for this savings, day – or fixed-term deposit accounts, which view it as a safe investment. The savings banks have separate deposit-guarantee schemes, which are designed, the institutes to support each other. Nationwide savings banks report that customers withdraw savings car banks, private banks, direct banks and restructure them. The Stadtsparkasse Koln-Bonn, for example, reported by Customer access from abroad, also from outside Europe.

The customer asked it explicitly to the collateral of a savings bank and transferred then higher millions. Also the cooperative banks are in wake of the financial crisis a dramatically increased deposits and increased customer numbers. However a slight increase of loans as a result of the financial crisis cannot be ruled out what runs counter to the positive effect of the attractive interest rates on savings. Every fifth German citizen has dissolved its risk-fuller forms of investment from fear of loss and opted for a safe investment. According to GfK, which has decreased significantly in riskier asset classes, such as equities, funds and certificates, invested volume. Parallel, there were increases in day and time deposit accounts.

Anthony Robins

You know that feeling rage or anger at any given time is a higher emotional state to indifference, sadness or depression? Did you know that depression is an emotional state of almost death?The way in which we represent the events that happen to us in our mind, the way in which we define and conceptualize definitely affects the chances of success and failure in the achievement of goals and objectives by an alleged event.I would like to quote Anthomny Robins, in his book power without limits, referring to people who succeed in life: the winners are the ones who most commonly access their States more fertile and outstanding, which another could, without no, the difference between those who succeed and those who not?We remember again w. Mitchell. For the important thing was not what happened, but as is I represent what happened. Despite being terribly burned and then paralyzed, knew how to find the hobble regain full ownership of their resources.Then we have clear that to maximize the chances of success in any enterprise, to pass any test, to knock down any obstacle we need energy, and that energy comes from our emotions, and the emotions are generated by our States of encouragement and if we have control of our States of spirit through the spiritual power and of the psychological we’ll be maximizing the possibilities of triumph and defeat. 76ers Owner is likely to agree. I therefore encourage!, connect with joy, works with your emotions become a powerful questions, think of alternatives on solutions rather than problems and negativity, surround yourself with positive people, like-MINDED, friendly that stimulate your capacity to face the challenges that every day put you to test, ten definitive consciousness that the power of what you represent in your mind is the quality of the results obtained.It is very important to live conscious mind and have noted that life is like a river that flows constantly and that is not stopped, we have to remain vigilant as guardians at the gates of our mind and prevent the discouraged, pessimism is installed as a pernicious virus on our computer, we have to delete it, delete, we have no alternatives for which we already decided that our goal is to conquer our dreams and nothing and no one can prevent us, much less ourselves!Keep in mind your goal in your mind, you have the ability, you have been designed in total perfection to the success and the triumph, don’t try, try, do not let any obstacle stands between you and your dreams, it is imperative that you assume that responsibility.Desire that at this time you will remember that you are a being full of pure potentiality, of unlimited resources, connect with the universal intelligence and remembers not there is fear in love, not topics and according to the course in miracles there is nothing to fear not there is nothing to fear!


For the positivistas, the objetividade is necessary condition for studies the social phenomena. Samsung has compatible beliefs. Objetividade can be defined in two ways. In the first one, it means the tendnciosidade absence (bias) when one becomes or it interprets comments. In as the direction, it is a situation in which the representations of world of the scientist correspond to the real conditions. It is the description of the world without interference in the ways about which the scientist in it thinks she appraises and it.

The objetividade in a scientific research is the great challenge of a researcher of social sciences. Its object of study is the social environment, and its research and analysis constantly are influenced by the social facts. Thus, the position of neutrality of the researcher is, at least, complex. The same the moment where it investigates the reality, the observer will be being influenced and will exert influence on the object, which will be able to occur under diverse forms. The presence of elements gifts in the unconscious one of the researcher and the agent in question, beyond force of structural elements, as the language, it is capable to modify the result of an inquiry, to any time.

For Lwy, the activity of the scientist is similar to the one of an artist. The object of studies of the social scientist if resembles the landscape that the artist looks for to portray. For both the activities, the comment point is crucial of what it will be examined or portraied. The position of the artist or the scientist will go to define what it can be observed. An artist who if establishes a mountain at one’s feet will be able to only draw what it presents itself: the mountain and any another object that is next to its base. If it goes up the mountain and makes of the top its mirante of comment, will have an entire horizon to portray.

Kohler Museum

Arrival with the S-Bahn to family Mahnke in Wernigerode for hiking and relaxation the pension on the rocks and the pension Konigshof is located in Wernigerode in the hamlet of Konigshutte and belong to the family Mahnke. Since 1995 was busy and feeling given to welcome the guests. An inviting restaurant with numerous culinary delights of the kitchen are two houses in addition to well-equipped rooms. Also the Dutch do holiday here to enjoy nearby hiking trails, clean mountain air. The weekend quickly enters the resin.

Arrive every half hour from Leipzig via Halle/Saale central station, for example, with the S-Bahn to Wernigerode. Breakfast and lunch we have in five minutes away boarding house on the rock. A rich breakfast buffet invited and has been used extensively by our group, which comprised about 20 friends of Castelrotto, sparrows. Even with the evening meal in the rock was ordered generously. Due to the excellent location to many Destinations like Rappbode dam, Kohler Museum, the Rubeland dripstone caves, as well as the mine Elbingerode (ore mine book Mountain) Royal Court and Guest House on the rocks offer pension ideal for a longer stay. At night it’s Royal Court in the entire district of quiet, so that the routine can recover from his day trips.

I spent a very pleasant and unforgettable weekend in this way in the Harz mountains. Both I and my friend, who came from all over Germany and Lucerne, were not disappointed. Only the prices for singles are non-negotiable. Since single take with rather a travel companion, to push the costs. Motorists may incidentally bring her cart because there is ample parking on site.

Nokia Phones

Based on the analytical data the mobile market from various companies as well as its own 'regional' data (information-search service 'Mobile-City'), we obtained quite interesting figures on a various aspects of the mobile market in 2007. First place in sales take mobile phones Nokia (42% of all sales). The five market leaders in mobile phones also includes: Samsung – 27%, Sony Ericsson – 22%, Motorola – 4%, LG – 3%. Regional market (Kharkiv) is quite logically different from the general picture of greater representation of the structure of sales of mobile phones from other manufacturers (notably BenQ Siemens, Siemens and Fly), which pushed the mobile phone LG. The growth so demonstrated a mobile phone Sony Ericsson – share, compared to the first quarter of 2006 increased by 13%. The share of low-cost mobile phones (less than $ 130) account for about 43% of sales, a 22% lower than the same period of 2006. So , the share of mobile phones from the lowest price segment remains quite substantial and is estimated to AVentures Group, will continue to decline only slightly.

The share of the middle segment ($ 130 – $ 300) sales increased by 17% and up reporting period is 45%. The share of the most expensive segment (over $ 300) account for 12%, which is almost 2 times higher than in 2006. Interestingly, the proportion of expensive mobile phones (over $ 300) on the regional market, Kharkov almost 2 times greater than the overall picture of the market and is 22%. If you look at the representation of different mobile brands in each specific price range, then the regional market situation is as follows. In the lowest ($ 130) range of leading mobile phones are Samsung, which occupy 32% of this segment to 29% for mobile phones Nokia. Other brands are represented in a minor degree (a small share of the market). In the segment of $ 130 and $ 300 Nokia takes first place (34%), and also in the fight for 2nd place with mobile phones, Samsung (33%) attempts to engage Sony Ericsson (17%).

In the segment of mobile phones worth more than $ 300 fully dominated mobile phones Nokia (56%), Sony Ericsson and Samsung equally divide the remainder of the market (21% and 22% respectively), leaving the share of other producers of less than 1%. Average price of sold cell phones at about $ 160. And again the average cost of the phone Sold in Kharkov above average picture of the country and accounts for nearly $ 200. The top ten most popular phones spring of 2007, as follows: Nokia 6233 Nokia N72 Nokia N95 Sony Ericsson K750i Nokia N73 Nokia 6230i Nokia 6131 Samsung D900 Nokia N93 Nokia 3250 Nokia dealer for more than overwhelming, there are also the most 'running' and 'advanced' models from Samsung and Sony Ericsson. But other mobile brands (including such well-known as mobile phones, Motorola and LG) had no place even in the next ten. In early 2007, increased demand for communicators and smartphones. Were sold six thousand of these devices. In monetary terms this segment increased to $ 3 million. It is also interesting that, although still the largest number of mobile phone (80%) is sold through specialized stores on mobile phones, the share of this sales channel is reduced by the increase in mobile phone sales at stores specializing in audio-video household and other equipment.

Modern Polymer Products

In the continuous price hike of construction materials, Polymer products must be most welcome. Manufacture of such products is carried out by hot pressing using sand and polymers. These products are manufactured with obligatory observance of environmental standards and safety standards, meet all market requirements. Some of the price stability of polymer-preserved products due to the fact that its production does not use cement binder components (their cost is increasing). With the success of polymer elements substitute products made with outdated technology. But construction – a sector that needs to be the best solution that fully meets the requirements of the availability and quality of construction material. So what are the elements of polymer can meet this market products and what are their main advantages? 1. Polymer tile.

This material is truly reliable and high quality, are durable. He is rightly called the material of the future. It fits perfectly for finishing the roof of any object. Tile is made according to different loads, which allows us to safely navigate through it to complete the installation. This material is environmentally friendly and does not emit harmful substances in all weather conditions.

Polymer tile – light, durable and waterproof. 'Polymer tile buy' – this combination of words are increasingly requested by users when searching the Internet and is expected – a very This material will soon become the most popular in construction. 2. Polymer Pavement. This is a special kind of coverage that has all the advantages of polymer materials: noble aesthetic appearance, high moisture resistance and reliability. Moreover – Pavement, made of Polymer Materials, has anti-icing properties (thanks to the sound texture of the picture on the tile ensures a good traction soles of shoes of pedestrians). This tile is used in the device paths for pedestrians, playgrounds and pavilions, terraces and balconies. Paving slabs, whose production is carried out by some companies, due to the strict observance of technology and given the large number of different nuances. To purchase a paving slab just type in any search engine 'Pavement buy' – and at your disposal all the information will be on this issue. 3. Elements of the wells. About this product should be said that it is relatively new and has a completely unique properties. So far, all elements (except the cover) made from concrete. Such products had an enormous number of shortcomings and were not able to provide a decent level of quality in the creation of networks (such as water and sewer), as well as telephone lines. Despite the relatively low weight, polymer-hatches are very strong, much stronger and more reliable than usual. They are well suited for communications networks and observation wells. These hatches are much more durable than their counterparts from iron and because of its environmental performance are completely safe for use in water supply networks. As for the aesthetic aspects of using these covers – the color, you can easily pick up the hatches under the tile. These hatches are quite visible on the sidewalk and look great. Hatches plumbing of polymers – is the brainchild of modern technology.

Media Displays Digital Signage

Audio-visual information systems for your events promotion screens (Promoscreen) are likely to exposed in public places. Advertising and information for consumers will be displayed on the digital posters. Digital signage receives more and more inroads into hotels, supermarkets and shops. The content of the big-screen adjust target display depending on the time. In the strict sense involves digital signage (audio) Visual information networks, whose Inhalte can be assembled either manually or programmatically. A combination of presentation technology, playout hardware (PC systems), network connectivity and software for network management, playout and content management is required. Speaking candidly Pete Cashmore told us the story. All-in-one offers the Promoscreen. The media displays achieve a great effect but also for events or exhibitions.

But only for a given a presentation display buy event? offers the solution. Here the digital signage for certain periods of time can be hired. Whether with a touch to the interactive demonstration programs or as a player to view a presentation. This presentation displays of distinguished itself especially through high compatibility, flexibility and a wide range of clothing. Because from 32 “to 82”, as a single or multiple monitor in the extra portrait or landscape, with or without touch screen; the solution is in our product range. Promoscreens in Germany the sales and the production is in Germany the ETHA which impresses with the expert advice and value for money. However, the quality and reliability of large-screen displays as is to the heart.

Therefore, all Promoscreens are made in Germany. For those who consider a Promoscreen to do it, offers the possibility of buying. ETHA GmbH & co. KG is a brand Distributor and rental companies in the area of lighting, sound and media technology, sells but also third-party products such as the ERP system PHPW by Optibit. The team relies on highest quality and Reliability. Therefore, there are many brand-name products and high-quality solutions at ETHA.

How Not To Lose Visits

Anyone who is dedicated to optimizing and promoting websites known to be very difficult to generate traffic. Every user who visits our site is the product of a laborious series of activities to disseminate the site, which cost time and money to carry out. So, once we get users to come to our site, we have to do everything in our power to avoid going. The concept is very clear and simple: make life easier for users and to optimize the browsing experience. How? We will see below. Optimize load times.

Patience is not an attribute to them on internet users, accustomed to having information at the time on their screens. Therefore, we review factors such as hosting, that is quality and has good bandwidth, to support the flow of visitors. It is also necessary to work on images on the site, optimize them in terms of format and size that are not too heavy. Keypads should not have flash or java, and in lines Overall, fewer scripts are taken at the site, the better. Develop a stunning home.

This does not mean that there should be information overload. You have to convince. The details can be provided later. To make a positive impact, it must be pleasing to the eye, with harmonic colors and simple reading. It is therefore necessary to use sources that allow a clear reading, and care for the text-background contrast. Deliver what is promised. If the visitor enters a sponsored link that promises “the best fine wines at incredible prices,” because that’s what we have to find. Not interested in learning about wine, how wine is made, or catalog. For this, we need to work the landing pages, or sites to which the visitor reaches after clicking a sponsored link or advertising on our site. The landing pages are also gateways. It’s the first thing a user sees, therefore have the difficult task of providing an attractive, provide a supply and showcase the best of the site for visitors want to continue browsing our site. By all means avoid message presentation: a blank screen with an icon in the middle, “Click here to enter the site.” Avoid insurance directory, unless necessary. That is, ask visitors not to be logueen to see a forum, a posting site or catalog. Also, reduce the heinous Captcha, only situations that really require them.


In recent days there have been various statements about pensions in Spain crosses. The debate launched by the Governor of the Bank of Spain, Miguel Angel Fernandez Ordonez have joined several members of the Government, the opposition, social agents, economists Ordonez claimed that Social Security in Spain could lose the surplus this year, and opened the box of Thunder. President Zapatero denied this possibility, and according to the Minister of labour, Celestino Corbacho, until 2025 Social Security benefits are guaranteed the opposition joined the criticism of the Governor, recalling that when they arrived at the Government in 1996 the Social Security money box was empty, and they had to ask for a loan to pay the pensions. It is also fair to remember, however, that during the past four years, the Zapatero government has multiplied by four the Fund left by Aznar, reaching nearly 60,000 million euros. In recent months, Pete Cashmore has been very successful. However, this great growth of the piggy bank be due largely to the good progress that had the economy, which placed the number of contributors around the twenty million, which is now declining. This decline, coupled with other factors, such as the progressive ageing of the Spanish population – with low birth rate and a life expectancy of the highest in the world, and rising – carried that every time there is less contributors for every pensioner, and the system will be unsustainable as it is raised. I.e. everyone is clear that it cannot be maintained as usual, and debate in which seem to be immersed leaders is how long you can endure.

But that depends on several factors, primarily the economic situation. Just like what has happened in recent years of plenty, if the crisis stretches or becomes deeper, the surplus can vanish very soon. Therefore, the discussion should focus on what interests us, in other words, how to get a Social security system that guarantees the payment of pensions and other benefits.

Pension Insurance

LV doctor: With a private old-age provision through life and pension insurance, you are on the better side. According to, this motto was announced long time on the part of the insurance industry. But the returns of private pensions fall further, as the world”recently wrote. proConcept (LV doctor) reported several similar articles. Many people receive post these days by their insurance companies and must determine that the unit-linked life insurance losses are enormous. But the Riester and Rurup-savers lose out. Speaking candidly David Treadwell told us the story.

You would be required to achieve a very high age get at least their contributions back,”, said LV doctor and Director of the proConcept AG Jens Heidenreich project manager The proConcept AG is an international process financing company, which specializes in the Elimination of scattered damage and the enforcement of collective legal protection of consumer interests. In the context of LV doctor, claims of a large number of former insurance customers are acquired from announced life – and pension insurance contracts, bundled and collectively argued for all concerned. The world writes, based on a new study of the MAP report that people who have opted for a private pension insurance, with face significantly lower monthly pension payments due to the low interest rates on the capital market and the increasing life expectancy to the part. “” On the other hand would immensely increase the monthly contributions, to actually can close the pension gap, so the world “in its contribution fall yields on private pension insurance”. “Manfred Poweleit, author of the MAP study: our analysis shows what impact the financial crisis for private pension provision has.” Poweleit shows examples of how this development affects the insured: once, a 63 employee pays 50,000 euros in its pension insurance with a ten-year guarantee of pension, so he gets 330 euro pension beginning in the month, If he has concluded the contract around the turn of the Millennium.

Would our example insured opt now for a contract, so he would get only 292 euro monthly. The yields are more frightening, if the insured person pays a monthly contribution. The average interest rate was 6.6 per cent, so it was enough, when 44 euro were paid over 40 years. Now, the monthly fee would be already at 106 euros to get a desired total of 100,000 euro. Jens Heidenreich, project manager of LV doctor and Director of the proConcept AG, can this yield decline only confirm: more and more often is reported in the press, how unprofitable the life and pension insurance are really. This people with the nose are pushed out, to change something in the situation. We very much welcome that. People should be aware that these products are as uneconomical.” The best way is to cancel the contracts. Not somehow, but by the professionals of LV doctor. This is usually the Buy-back value much higher than if the customer had terminated. Jens Heidenreich is recommended. “Let the specialists because so this from your life or pension insurance contract is taken out, what’s coming to you: your money.” The proConcept AG represents the interests of more than 50,000 people as Kounamouta. The company assumes only the funding and enforcement of claims from so-called dispersed damages. You enforces them in individual or collective procedures together with law firms specialising in the respective areas of law without any financial risk for individuals.