Month: May 2015

Insolvency

Mandatory retirement for self-employed also applies to self-employed: the fall in the standard of living or even old-age poverty are repressed phenomena, which become a tragic reality for more and more people. There is acute need for action. Because only a quarter of the approximately 4.5 million self-employed persons in Germany is protected by the professional provident or compulsorily on the statutory pension insurance, whereas the vast majority must provide private. But the appeal to the responsibility often unheard fizzles out or is underestimated. While many self-employed and freelancers of the risks of self-employment are well aware. Not about very many of them have private health insurance and disability insurance.

The urgency and necessity of a sustainable private effort to be lost appears many retirement however. This is one surprising insofar as the necessary capital to build adequate contingencies occurring retirement to secure standards of living and all of may in addition would be present. The reasons for this worrying development are manifold. So self neglect their private pension plans often due to the strong temporal and emotional involvement in your company, so that decisions regarding the personal interests are often deemed to be subordinated or pushed on the backburner. Also many self-employed and freelancers of the deceptive hope indulge in, that they can expect a sufficient retirement due to their assets in the future. However, a few factors there are, which are often not taken into account or neglected.

So the development of purchasing power can validate future asset, as well the increasing average life expectancy may mean the consumption of total retirement assets before the actual demise. And of course also the worst case scenario can occur: the Insolvency of the own company. But also a quite pragmatic reason plays an essential role. Since many self-employed can have no fixed monthly income but this vary depending on the operating profit, a fixed recurring costs block a burden is felt.

Ideas On Loan From Abroad

At the present time, the opportunity is for German citizens to take advantage of great offers from foreign credit providers. At the present time, the opportunity is for German citizens to take advantage of great offers from foreign credit providers. A comparison can be worth, what the credit calculator can display visually. That Germans and Austrians finance from abroad or take a foreign credit is not uncommon. But why is credit from abroad so much better? This is mainly due to two reasons. Profit through: low interest rate to what extent the foreign credit worth depends largely by the level of interest rates abroad. When money investors, it is the other way around, since it is much essential that their cash in the country high can be remunerated. It is much more appropriate for the borrower but if he gets a low interest rate.

A foreign loan can offer therefore necessary benefits in contrast to the domestic credit. On the one hand, the low level of interest rates on top on the other side potential currency gains, which due to can come from the currency translation. EU countries provide about the same level of interest. But countries outside the EU, such as Switzerland and Japan, have a small set of key interest, which again is an advantage for borrowers. If the Swiss interest rate is at 1 percent and the prime lending rate in the EU is two percent, it just so that it is possible to have a more favourable Swiss loans. Foreign credit – a loan without Schufa-Auskunft another reason why the credit from abroad is so popular, is that the credit without Schufa can be requested. In Germany in credit institutions that is in any way imaginable.

a customer with Schufaeintrag, get even no credit from Germany. Foreign money without Schufa majority would be the only answer. So a foreign credit could be used by exemplum as mortgage. The favorable interest rate is very important for German borrower. As soon as the loan in the foreign State foreign currency is issued and also in the currency to be paid back, then you can achieve benefits from this by exploiting the currency conversion. For this reason, it is actually possible to reduce expenditure and to make profits under circumstances. Loans free of charge calculate you need a loan with favorable interest rate? There are probably very huge differences.? Find out before starting up! This is so important, because facing can pay off for you. Free of charge differentiation with the loan calculator, works very simply and is not time consuming. Previously, each bank for themselves had to be contacted. You want a foreign credit, at the present time then the loan calculator helps you the verdict. The loan calculator allows the comparison of many different banks. The results appear quickly. The loan calculator may expiration time and the amount of credit with calculate a. After this loan comparison you can be sure, to claim the best loan. A foreign loan may be the answer to your questions.

Mexican Diversified

Diversification since I decided to invest. But why to diversify? With pity but fair basis I am the most trite phrase about the topic not put all the eggs in the same basket. Diversify your investment means that the risk of having a disability or loss is reduced, precisely because not all your capital is affected by the same external factors. To give an example. If your money is in Mexican pesos, an economic crisis will end any possibility of gain.

But if you have a percentage in other currencies, even this money can get benefited from this crisis. Stock markets are always connected, either proportionally or inversely proportional: Gold has to climb when shares fall, sugar cane increases his value of quotation while oil climbs. Anyway, one should seek to diversify and diversify over the diversified: diversified by region, by currency, by institution, by market (debt, RV, etc.), term and by all means by which You can divide your capital in order that not only you don’t have all your eggs in a same basket, but you do have every egg as far as possible. Asesorate with an expert. Protects your investment diversifying and avoids having in your hands a great omelet.

Auto Publication

Auto Publication and the Revolt of GutenbergAuto Publication is the word of the fashion. Plus one! In the years the 70 writers who today look the Auto Publication if called Delinquents. Later Independent. In years 80 and 90 they had gained the label of Alternative. He does not import the flag or the cajado one. They exist and if they multiply in Brazil and the world in what I come calling ‘ ‘ The Revolt of Gutenberg’ ‘. In years 70 they were groups and if they divided in small movements. Today the individualism is the profile and the sentence.

The personal marketing of styles if overlaps to the subject and the workmanship. The phenomenon not only reaches the news that they search chances and space, but professional also liberal (lawyers, doctors, professors and others) that they find in the Auto Publication, excellent tool to alavancar its careers and to gain money. A great number of writers exists that gave up the commercial publishing companies (the reasons are many) more than what this, discovered that the way is another one. Books under demand and in small drawings in many cases provide to the workmanship creator I believe this world of Gutenberg. Its revolt is not quiet much less prompt. When the Conde de Nassau violated the secret of the copy freeing the mobile types made it in the bulge of the destination also freeing letters, words and writers.

Yellow House

Still it made donation of foods to the too much devoid people of the area, a gesture of affection and respect to the human being and much time made delivery of diverse provisions without never taking off advantage or politician of these people financial who were below the poverty line, the proper declarant was benefited to diverse times with its family, receiving donations from the same one, what diminua mazelas social of the hunger at that time. One becomes important to detach that Mrs. ' ' Maria meat of porco' ' , the precarious buses of the time made this gesture of charity all using, same it had one strong predilection for tobacco (rap) becoming one of the biggest consumers of the quarter of Yellow House of that if it has knowledge. Of this form, the space, the place and the territory here are related as usual terms of the action human being on the partner-space models of the searched quarter what it allowed a comment of as if gave the social and space dynamism of the there originary mounts of the searched space. 4O territory of the mounts and the dynamic partner? space From the territorial dynamic of the studied space it can point that it is essential to understand that the space is previous to the territory. The territory is formed from the space, is the result of an action lead for a sintagmtico actor (actor that carries through a program) in any level. To if appropriating of a space, concretely or abstract ' ' territorializa' ' the space. (Raffestin, 1993, P.

143). One notices that as above cited the territory it is effect of the action human being in elapsing of the time and its culture, that modifies and extracts of it its economy. Although the space is past, to the territory, both are marked by the culture acting with the technology of the time.

From The Early Days Of Black And White Photography

Impressions of an Irish Countess. The photographs by Mary, Countess of Rosse 1813-1885 In German translated by Reinhart Kevin axe 1985 appears Countess of Rosse, wife of 3rd Graf as a person with his own Mary since the exhibition of her photographs in birr. The delightful composed group show, as their children grew up: skeptical-looking boys, \”buttoned up\” in their best clothes and her pretty, young cousins with soft, glowing hair arranged in the center of the image as heroines in a Bronte novel. All these cleverly arranged groups together with the brilliant portraits, some of them are still from the 18th century show a human and passionate work concept and an inventive, masterful control of technology. These photos and the views of the sixties of the 19th century through their camera had surprised many people about the woman behind the lens. Especially David H.

Davisons gave insight with his research, that Mary is indeed a Was a woman of many talents. If she would have been not a great photographer, so it wouldn’t surprise me, if still more of her would have been as only the \”woman of the telescopic count\”. Here, their presence is strongly felt in the Castle. Especially the dining room reminds me of her, and not just because her portrait looks benevolently from the wall. It is held by large jewelry cords, a huge room (45 feet) with a large Gothic window and by the metre heavy Brocade curtains. Anything designed or built, has a large scale; the doors themselves are solid, to the details of the \”egg and arrow ornaments\” to the support of the pillars. The heraldic credenza opposite the window, that the memory of their wedding they had made, is so difficult that she could be built only at this point. A contemporary account is their hospitality, she gave great lunches and dinner parties for over 60 people.

Conservation

Disinterest for other peoples. c. Interest for this generation Plan and careful performance to only prevent risks. Science and technology nor always are good. b. It withhold the desenvolimento of the nuclear power. c.

Development and use of technology branda d. Governmental regulation to protect the nature To accept risks to maximize the good to be a.Cincia and technology is beneficial for the humanity. b. Fast development of the nuclear power. c.

To stimulate hard technology. d. Depreciation of the governmental regulation of protection of the nature Limits to the Growth. Scarcity of resources b. Demographic explosion c. Conservation No limit to the growth. Not-scarcity of resources b. No problem of population c. Production and consumption Necessity of a completely new society. The human beings seriously harm the same nature and itself. b. Opening and participation c. Emphasis in public goods d. Cooperation e. After-materialism f. Simple styles of life. g. Emphasis in the satisfaction correct current Society. human beings do not harm the nature seriously. b. Hierarchy and effectiveness c. emphasis in market d. Competition e. Materialism f. Complete and steady styles of life. g. Emphasis in the work to take care of economic necessities. New politics. Advisory and participativa b. Partisan to argue on the relation of the human being with nature c. Desire to use direct action d. To carry through the forecast and the planning. Old politics. It determines for specialists b. Partisan to argue on the management of ecomonia c. Opposition to direct action d. To carry through the control for the market Picture 01 Comparison between social paradigm and the new ambient paradigm Source: Picture of the Milbrath (1986, p.100) apud Gonzlez (2002). The picture above argues the contrasts between the paradigms, that they urgently need to be modified, for thus in them becoming a nation of sustainable consumers, therefore this subject possesss a deep dimension.

Cultural

Such deficiency if translates for not the observance to the principles of the superior education in Brazil. Article 43 of the Law of the lines of direction of the education determines that the academy has for purpose: I-to stimulate the cultural creation and the development of the scientific spirit and the reflective thought; II-to form diplomee in the different areas of knowledge, apt for the insertion in professional sectors and the participation in the development of the Brazilian society, and to collaborate in its continuous formation; III-to stimulate the work of research and scientific inquiry, being aimed at the development of science and the technology and the creation and diffusion of the culture, and, in this manner, to develop the agreement of the man and the way where it lives; IV-to promote the spreading of cultural, scientific knowledge and technician that constitute patrimony of the humanity and to communicate knowing through education, of publications or other forms of communication;

V-to excite the permanent desire of cultural and professional perfectioning and to make possible the corresponding concretion, integrating the knowledge that go being acquired in a systemizing intellectual structure of the knowledge of each generation; Vi-to stimulate the knowledge of the problems of the present world, in particular national and the regional ones, to give specialized jobs to the community and to establish with this a reciprocity relation; Vii-to promote the extension, open to the participation of the population, aiming at to the diffusion of the conquests and resultant benefits of generated the cultural creation and the scientific and technological research in the institution (Brazil, 1996, p.52). 3 Without observing the legal rule, many academics leaves the academy unprovided of values, position citizen and vision integrator, Moran, (2001) affirms that: … to also educate is to learn to manage values. It is not only enough to information and knowledge. The university if omits very in this field, when it leaves the values for the scope of the family, religion, of the personal field..

Mobile Radio Test

CHIP online tested the browsers of seven current smartphones in the UMTS-live network of Nash technologies Nuremberg / Munich, June 1, 2010 – at the latest with the nationwide spread of the 4th generation of mobile LTE (long term evolution) will crack big time: with the ever-growing traffic in mobile networks, smartphones are becoming increasingly attractive. The leading mobile magazine CHIP online chip.de using the Nuremberg Nash technologies GmbH nashtech.com the surfing speed and efficiency of data transfer of seven current models under the microscope took. Nash Technologies, 2008 emerged from the research and Development Department of the network operators, Alcatel-Lucent, his covering 25 square kilometres and unique in Europe UMTS-live network, in which simulates a real mobile radio environment and a wide range of conditions and tested new products on stability and performance is presented for the test series. The network in addition to UMTS and HSPA + already supports the HSPA +-technology and is equipped controllers (RNC) as well as a complete core network with 15 radio cells, five NodeBs (UMTS base stations), three radio network. It allows among others access to applications such as SMS Center, MMS services, streaming, voice mail, SIP and VoIP capabilities, A GPS or IMS-based services.

Test and you not only see how behaves a product under different load profiles, in the Centre or on the highway, but also, as the network responds. Errors can be found so much easier”, explains Dirk Zetzsche, Director at Nash Technologies, the advantages of the private test network of company belonging to the Harvey Nash Gruppe. Chip online test were a typical mobile site with low graphical demands, the CHIP homepage including eventually a complex site with nearly 5,000 table elements, as well as numerous photos filed under other three predefined, static Web sites on servers within the Nash test network. Then were different network situations with changing Data volumes simulated within a UMTS cell.

Radio Wave: The Gentle Treatment For Varicose Veins

“CityPraxen Berlin: varicose veins, varicose veins, spider veins, varicose veins are not just a blemish”, but have significant disease value. In advanced stages, thickened veins stand out increasingly in its typical windy and branched shape and can cause leg swelling and skin damage. Varicose veins (varices) caused by the Scriptures wall degeneration in superficial veins (so called Bindegewebsschwache). You are very common: around 30% of women and 20% of all men develop therapy-needy varicose veins in the course of their lives. The classical surgical treatment method is the so-called stripping for over 100 years.

Thereby, the varicose vein is pulled out mentioned instrument out of his leg with a stripper. Later, this procedure was still connected to a radical mastectomy of cross at all in the bar which branches of the superficial veins are prevented. Since the beginning of the 90-ies one, as in other medical areas also began testing less radical and largely unblutiger so-called minimally invasive methods. These procedures, the varicose vein is not removed, but probed through a puncture and treated from the inside. Either through exposure to heat (laser, radio waves) or chemically (Mirko foam) the wall of the varicose vein is changed so, that there is a bonding of the vein. Then after some time, the contracted vein will be dismantled by the body itself. These new procedures were carried out already millions of times worldwide.

The intervention be carried out usually as an outpatient and show equal or even better long-term success as the classic operation with lower complication rates. It is also a decisive advantage that the patient can stand up then right back so Dr. Susanne Schulz, Angiologin at the Berlin CityPraxen. More information on this and other medical topics can be found under citypraxen.de. As one of the first German institutions at all, the CityPraxen Berlin offer disease pictures on your homepage under the heading”a comprehensive catalogue of all common To diseases. Contact: News Center CityPraxen Irina Rumyantseva Berlin Friedrichstrasse 180 D-10117 Berlin CityPraxen Berlin management: Priv.-Doz.. Dr.