So saving is sponsored by trainees and professionals Hooray, finally to earn your own money first and can I fulfill my desires even. So similar to many school-leavers think these days. Over 500,000 young people 2010 is expected to start in professional life. Who is clever, lays a few euros from the first income on the side and secures up to 442 euros in government subsidies in the first year of training”says Marcus Walker coat, pension expert of the Bausparkasse Hall Schwabisch, explains how to get trainees to subsidies. Riester promotion: Promoting Riester is particularly lucrative for young professionals. Who provides, for example, before a Riester contractor, can get annually up to 154 euros on State allowance for only 60 euros equity contribution. Professionals under the age of 25 the State donated a unique professional Starter bonus of 200 euros in addition. Basically, the full allowance receives who pays a 4% of its previous year’s gross income or maximum of 2,100 euros on his Riester contract.
Because professional Starter but had mostly no income in the previous year, they need to pay only the minimum amount of 60 euros. Housing bonus: supported, who is at least 16 years old and annually paid between 50 and 512 euros on a contractor. For this, the Government pays 8.8 percent housing bonus. Each home savings customers can receive up to 45 Euro per year. The housing bonus is tied to income limits, but trainees are mostly with their earnings.
The taxable annual income must not exceed 25,600 euros for single adults, married 51,200 euros. Employee savings bonus: who gets capital-forming payments in addition of his training company to the content, double can benefit: the subsidy of up to 40 euros per month can professionals on a savings deposit and additionally secure the workers savings allowance of 9 per cent. Every year up to 43 euro brings it up. Income limits apply also for the employee savings bonus. For the premium that needs to are taxable annual income under 17,900 euros (single) or 35.800 euro (married).
One should know the rules however, renovation objects to make profitable investments, or to get the full benefit of the tax benefits. The Immovaria GmbH are specialists in renovation objects from the monument with many years of experience. A team of experienced consultants from the real estate and finance industry behind the Immovaria GmbH in Nuremberg. The team also tax consultants includes of Immovaria GmbH here. The expert team of Immovaria GmbH in Nuremberg comprised professionals with many years of experience in all areas related to the successful real estate investment. So Immovaria GmbH’s customers can exploit the whole wealth of State support, the Immovaria GmbH offers you know how.
Advantageous depreciation of the share of restructuring costs for the maintenance or restoration, preservation restoration objects is worth money, the investors in the financing will be good. Types of depreciation for restructuring objects are available. Thus investors or owner-occupiers not alone on the Maintenance cost of worthy real estate projects and monuments remain seated, offers the legislator to support in the form of tax breaks. The Immovaria GmbH helps its customers by the result and takes over the complete processing for customers upon request. In addition the Immovaria GmbH is advice and act with the procurement of contractors available, which specialises in listed renovation objects and customers actively help clean objects to old”new shine helping. The Immovaria GmbH was founded by directors of renowned companies in the construction and real estate industry. The Immovaria GmbH as a specialist in the field of mediation of listed real estate is pressed in the focus.
The trend-setting concept of Immovaria GmbH aims to create long-term stable values for investors and owner-occupiers. To do this, the Immovaria GmbH acquires objects, then by the Immovaria GmbH and its affiliates Monument just renovated, divided up and sold. Immovaria GmbH is Nuremberg. Contact: Immovaria GmbH Stephan str. 6a 90478 Nuremberg phone: 0911 2398330 fax: 0911 23992019 E-Mail:
In some cases, especially if the colic was only a short time ago, the veterinarian can other measures helping intervene. The horse gets a shot to relax and must be done carefully in the step. In such an exemplary situation, the effort by the veterinarian is maybe 30-40 euro. In other cases, only the fast transport to the animal clinic, where the horse in the worst case of a colic surgery must undergo helps. Who bears the costs? The first question arises here however – many animal hospitals treat only against cash payment, so the horse holder is asked if he agrees the op and the associated costs. Unfortunately was then already cases reported us, where horse owners could not afford the necessary operation and the Veterinary Clinic, could only euthanize the horse to stop the suffering of the animal. But even if the horse owners can muster the necessary costs for the op, is still long not sure, that the horse also survived partly very complex surgery surgery. And depending on what circumstances here come to fruition, costs as a Intervened (here suffered from the horse during the night, had rolled around in the box, the result has been a pronounced entanglement of the intestine, were dead already, so a part of the intestines had to be removed with) according to our experiences between 700 to 10,000 euro.
Also within the framework of op can ensure no doctor, the op 100% successful, unforeseen complications may occur or the intervention itself has been launched already too late and the animal dies during surgery or a few days later, because bleeding occurs such as unlikely. An additional income, because you can use the horse as a battle horse, is excluded in this case, because the horse has already received many drugs. In the worst case, the horse owners has now no horse, but veterinary costs several thousand euros, the he either way must pay in any case. So far it has not come! The right horse insurance as a solution to limit the risk of costs, is one of the timely completion Horse health insurance or horses co-op insurance attached. At least the horse surgery insurance is a very inexpensive solution if I want to have hedged risk as horse owners of mainly the colic. With the horses co-op insurance operation costs and the associated treatments plus any accommodation costs of Veterinary Clinic are covered.
Who also would have assured all veterinary costs, expanded insurance the horses-op horse health insurance, that jumps even in cases, where the horse needed no surgery and with conservative treatment methods a healing can take place. As a horse owner you should not save here just on the wrong end, when you consider how much money were put in the acquisition, running costs and training. Because the chaff separates from the boys but also when choosing the right horse insurance, a large horse insurance is comparison unavoidable, thus the cost risk in an emergency also really no obstacle for you represents.
Cologne pays more than twice as Dusseldorf Hamburg needy, around two and a half times as much money received 26 September 2012 needy citizens in Cologne for a social burial as the neighboring Dusseldorf, as the result of an investigation by Bestattungen.de. The experts analyzed the loading instead costs assumed by the local social welfare institution at cremations. Result of the comparison: nationwide there are differences of up to euro 900 payments for poor funeral. Also the acquired services vary. Each municipality sets itself, which services and rates available to socially needy families social burials”, it is the Federal Ministry of labour and Social Affairs (BMAS). Bestattungen.de questioned therefore welfare carrier in whole Germany and found big differences: examples of how Dresden face the low rates in Berlin (750,-Euro), Essen (913,-Euro) and Munich (956,-Euro). With 1.450,-euro, the support is almost twice as high as in Berlin. The most extreme varies the assistance in North Rhine-Westphalia.
While Cologne will pay a maximum rate of 1.465,-euro per funeral, Dusseldorf get only support of 588,-euros, i.e. about euro 900 less. Although both towns just 50 kilometres away from each other, support in Cologne in comparison is about two and a half times as large. In Cologne and Dusseldorf, the funeral costs are similar. It the the wealthy Dusseldorf would allow no dignified burial the particularly needy impression”, says Fabian Schaaf, Managing Director of Bestattungen.de. Some communities are completely covered. The city of Hanover denied the information about services and rates. A social burial according to the BMAS just, worthy and appropriate “supposedly.
In addition to the assumed costs, but also the individual services vary from municipality to municipality. In Berlin, the costs for a memorial service only in exceptional cases are taken while this is of course in other cities. Some municipalities like Munich and Dortmund pay also no headstone. In Hamburg, only pre-selected funeral services available are the members. The study shows how services and rates within the Federal Republic vary widely. The acquired benefits and rates are mostly incomprehensible. We request a uniform reimbursement for social burials. The rates and costs should be provided at the federal level and only adapted to the regional standard funeral costs”, says Schaaf. Graphics to the study: ueber-uns/presse/pressemitteilungen.html about Bestattungen.de Bestattungen.de is a comparison service recommended by consumer protection agencies for burials in Germany. Users can receive offers on request without obligation from tested loading Stattern. In addition, Bestattungen.de offers comprehensive information about funeral services and insurance. The offer is free of charge for customers. Press contact Christine Sollmann, spokeswoman GBV society for burials and precautionary mbH Arndt-str. 25, 22085 Hamburg phone: + 49 (0) 40 209 311 961 fax: + 49 (0) 40 209 311 963 E-Mail: Web:
Prologue – the ancient writings of the fathers a first buttons used on the basic questions could be may be more important for the individual, is capable of than you can as a single after nearly 162 years sober numbers worldview to imagine? What do we know about it at all? Or do we believe to know that knowledge of the 36 passages entitles us to have only an approximate opinion about the ancient scriptures? Prolog “Our current knowledge is fully in line with the statement that there is a being that is responsible for the laws of physics.” Stephen Hawking tech and enlightened (especially Western) society provides us with much of what provides us with apparent relief in the constant monotony of life. We have what to eat, fast cars, beautiful women, PlayStation, DVD’s, TV and of course money. With the latter everything seems to be possible to arrange a hassle-free and fulfilling life. Except of course, luck and health – because these things you can also using the welcome means of payment do not rise. Here are other standards. So far – so good, then we’re doing well you’d think. We eat food, which as you like us and can throw away without regret this – because there are always new at the discounter. And although the majority of people on Earth through our oppressive, self-centered way of life so inadequate that is supplied.
After all, blessed because is giving. We drive fast and thirsty cars that are equipped with all kinds of luxury, so that we can impress the beautiful women and all other citizens thus. Because we have not too much that you could recommend to people as dignified and desirable contact persons otherwise in our lives. So we have to consider this fact not too long, we have also DVD’s, TV and PlayStation, which let us Yes as quickly forget this fact for the useful life of media.
Object solutions online portal boosts efficiency in managing the food industry Merlischachen Kussnacht (CH) specification. Together with its clients Dr. August Oetker Nahrungsmittel KG, the Swiss company object solutions software AG developed a specification platform for the food industry, on which suppliers can collect the specs online and faster and cheaper share with their customers. Globalfoodspecs.NET creates the portal solution an efficient system for the specification management. Producers determine what information and documents to collect their suppliers in the predefined specification questionnaires including necessary certificates. Globalfoodspecs.NET takes place via the common portal of the entire workflow, as well as the electronic release. The data provided can be then read button in the internal database of the production companies and also directly processed.
Errors which can occur during manual data transfer, be avoided. The Significantly reduce administrative overhead in terms of specifications. It will save not only time and money, but also data security is increased significantly. The sensitive data are protected as best as possible with an SSL encrypted login and fully encrypted records. Globalfoodspecs.NET creates a central system for managing specification, can be updated more quickly and more flexibly. All raw materials, semi-finished products, finished products and packaging with their product-related data (E.g. nutritional calculation, allergens, vitamins, ingredients, production methods and product label) are mapped and managed.
The online solution integrates seamlessly with existing ERP systems such as SAP, Navision, and CBS. Also the recipe and specification management system is of course OS PDM is fully supported by object solutions software AG. The portal globalfoodspecs.net is open all companies seeking an efficient and cost-effective management of the specification. The platform can no long Project time and be implemented quickly without any investment costs, thanks to a low-cost pay-per-use. In addition to Dr. Oetker, companies such as three double, Fortitech and over 1000 suppliers as portal users could be won within a few weeks. A free test access for the specification management portal can be requested on. About object solutions software AG, object solutions software AG with headquarters in the Switzerland and subsidiaries in Germany and the Slovakia is the leading provider of innovative solutions for product development and quality assurance in the food industry. Well-known customers such as Dr. Oetker, Develey, Bahlsen, Schwartauer Werke, Wagner pizza, Salzburg chocolate, R & R icecream and Glanbia (excerpt) use the modern and user-friendly software solutions from object solutions, to implement the specific and complex aspects of product development in the global competition for attractive products. Contact information: Object solutions software AG Severin white pilatusstrasse 35 CH-6402 Merlischachen Tel. + 41 44 500 75 00 fax. + 41 44 500 75 10
Salary salary negotiation – raise many suitors hesitate to formulate their salary, to make or negotiate. Passing successful salary negotiations but only if you have the right arguments in the interview and self-confident sold its strengths. Supply and demand determine a candidate’s negotiating position. Salary: A salary belongs to an application when it is asked. As graduates, you can admit the own ignorance and ask to negotiate this point in the personal interview.
You have a clear idea of the content, then they are called in the application also. Otherwise one is invited may free under false assumptions. Before the interview, ask industry salaries. Salary negotiation: When an application everybody knows pretty much what he has on it. But it is also equally important to be able to formulate a realistic salary in the job interview. You should know the limits of his salary.
The minimal sum you need to contest his livelihood. The maximum amount is the current salary of desire to negotiate. You have no clear idea, when the salary negotiation is then asked: ‘Tell me, what I could ask.’ This question will help and is beneficial designed especially for professionals. Hiring managers want to make a good and qualified staff. They are willing to pay a competitive salary. Raise: A content conversation requires that one has added since the last salary agreement with his job performance. People assumed E.g. more responsibility within the company, attended training and brought additional revenues to the company. No one should expect that the Chief is addressing the issue raise itself. The successful initiative to the content negotiation must always of one going out themselves. Note! Salaries remain always market prices and that sometimes even the best negotiating tactic does not help. But even in an economic crisis, you should the content negotiation in any case go on, because whatever money is paid for staff. What however does not work is the Robotics: three years have passed, now a raise is due again. Who wants to have extra money, which must present additional services. It is a mortal sin to demand more pay and to justify that with the advent of a colleague. More information, hints and tips for salary negotiations: info/yoke/salary negotiation is bildungsdoc education service and guidance for students, trainees, graduates, students, parents and adults. Find all here is simple and fast unbiased information on educational topics, education, training providers and educational institutions. Matching funding, including funding programs will be presented to many education at home and abroad. Including grants (money gifts) and/or low-interest loans can be. There are neutral information, hints and tips for trips abroad, school, study, Vocational training, job search and training. Contact: bildungsdoc AP: Horst beef Theodor Friedrich WEG 4 01279 Dresden E-Mail: Internet:
smartvie settles on simplicity and security immediately to members on the online flea market by smartvie online buy, sell and bid on auctions – with just a few clicks, unique security and low fees! What is smartvie? smartvie is an easy to use online market, which for the first time combines the Switzerland, Germany, Austria and Liechtenstein. The goal is to simplify the buying and selling in the German-speaking world mainly by focusing on members, significantly. Easy and certainly not just marketing terms but the focus of the flea market is an identity verification a prerequisite and a difference of smartvie to other online flea markets, online buy and sell. The TuV-certified and based on the PIN and TAN procedures payment system smartvie-pay confirmed receiving money in real time, and cases of not receiving goods fully automated to a debt collection agency partner passes, and smartvie this bears the cost risk for the buyer. The customer service is where the team by phone or E-Mail even 24 hours accessible is also a central part of smartvie. Joy thanks to low fees the fees are low, so the online buying and selling back pleasure members. The advertising is free of charge and is a low 4% Sales Commission for successful sales. Longer than scheduled trial, the flea market starts keen interest from the first hour after a with nearly 200,000 articles and a daily growing community, tendency rising!
Architect can show the desire to own their own House also cheap options, are nowadays more and more people. This is a secure retirement, many say. But a home is usually an expensive affair. At an early stage you must start saving and especially seriously worrying, how much one wants to invest in a such House since. With a cheap house, many savings can be achieved, know contractors.
However, while many wishes and ideas of the future owner is negligible. For this reason, many families put on the individual construction of houses by a construction company, to match the home specifically to your own needs. Then, many people rely on the help of an architect of who can properly carry out construction planning. To build his own House, it is usually cheaper than purchasing a prefabricated house. Of course it depends much of the own ideas and wishes.
Also, you know exactly what materials were used. It decides for quality materials, because after all, it comes to a House, in which you will live then perhaps even a lifetime. An architect is also able to show cheap options, which are similar to a standard House. Still, also these affordable options offer more space for individual wishes and ideas. In addition, there is the possibility to attract a developer. Little involvement of the client is asked in this variant, because the customer can be with the property developers sit back and do the work for them. At this point, no construction will take place so. Since purchased the House and land as a complete package, the customer needs to decide about the execution. Many families opt for the cheap standard version, because this allows for a low fixed price. Eliminating, completely, the construction of the builders, it is particularly important to examine the offer. Here should be checked exactly, what services on offer include are, experts advise. This should be taken will, whether the development costs but also the creation of the outdoor facilities on offer are included. Legal assistance can and should be used in this case. Adviser to the builders Schutzbund e.V. are also available. However, the contractor is also client until the transfer of the ownership. If you opt for an architect, you can look forward on an individual design of construction planning. Here you can integrate his personal ideas and communicated to the personal wishes of the architect. The more this happens, the more unexpected costs can be avoided according to the construction plan. An architect advises mostly even its customers, what looks better and how to make his own apartment tastefully. The modern and innovative building portal Bauunternehmen24.net is a free service to compare several construction companies. By comparing well-known construction companies save time and money during the construction of your House. How to find the appropriate, reasonable and reliable home construction providers in your area. Marco fendt
A free guide on how can you, without knowledge of HTML, the program of SIGIL and create an error-free epub file. The market for electronic books is growing; more and more publishers offer their titles in addition to the paper versions (paperback and hardcover) now also as a so-called E-books (well, eBooks or ebooks). But this growing market offers completely new possibilities for authors and authors who have written a book, but found no publisher for it: because anyone who owns the publishing rights to his book, can now publish this as an E-book in the so-called self publishing. Amazon for example arguably one of the most popular platforms when it comes to books provides for independent authors known as Kindle direct publishing”, short KDP on. books to be published, there don’t even need an ISBN number, because Amazon assigns its own ASIN number for each uploaded track. A finished lektorierter text, created in a word processing program, it is the basic requirement.
And on KDP Amazon offers a detailed guide how to get from the original text document to the mobi format required at the end. However: Depending on the expertise of the authors and authors or previous formatting in the text document you concludes at the end of not always desired: occasionally the uploaded text in the book preview is displayed incorrectly, paragraphs show up where they don’t belong, strange symbols appear. Because the formatting is for some author who months, maybe for years has been working on his book, as the biggest hurdle on the way to the self publishing. Of course lacking on the Internet not to counselors, how to create an E-book. Illuminated because the entire bandwidth around the E-book publishing and without question many of this fee-based Advisor which E-book are released, as worth their money. But a small but clear instructions would significantly help so many potential self Publisher: because the basis each E-books is not EPUB mobi -, but undisputed. Such a epub can be created with a program like the free SIGIL. This epub can be then converted with the (free) program CALIBRE in the mobi-format or in addition to Amazon, offered on comparable platforms such as beam or XinXii for sale.
Unfortunately, the SIGIL program has two disadvantages: first of all you need some basic knowledge html, to further edit the source code in the program, and secondly is the instructions currently only in English. Barbara Krauss Freisbach, even E-book author and Advisor in many forums around self-publishing, E-books has set on their website under the button a very special offer: a simple and free guide, how to, get even for a layman, with the help of SIGIL from the written text to the epub. This manual is subject to the copyright law, which means that she may not be copied or republished. Of course, everybody but the visited the page and follow the instructions, download the stored source text, style sheets, and the Freiexemplar.epub and continue to edit. Link to page: sigil on deutsch.htm text and graphics: Barbara Krauss