Online Shopping And Its Pitfalls

The right strategy decides In the age of online shopping, the importance of price comparison sites, online auction houses and live shopping portals is growing steadily. More and more people are entering the Internet bargain hunting rather than to squeeze through huge crowds at department stores. However, many traps, which device the customer on rogue traders or defective goods wait in the Web. For this reason, a strategy is needed, which makes the online purchase to a stress-free experience. The consumer portal reports about tips and tricks for the bargain-hunting on the net.

First, it is advisable, if the client already knows what product he’s specifically looking for. So he can get a comprehensive overview of price, merchant rating, delivery costs and time of different providers of computer games as, cameras on price comparison sites. Who is itself unclear, simply is a filtered search through various articles. For more information see this site: TEFAF NY. Live shopping portals are, however, only for quick buyer have suitable, which ideally very well with the desired product familiar made himself. Otherwise threatening unreasonable Fehlkaufe and time-consuming reversals.

The different online stores are far more popular. The most famous shine through a wide range of secure payment options and countless customer reviews. Before amateur user reviews should be taken up but in eight. Often no real shortcomings of the product can be thus identified or the subjective post was composed out of pure ignorance out. Information from journals, are far more effective online test reports or entries in specific forums. More information: service/press contact: Lisa Neumann University first media GmbH barefoot streets 12 04109 Leipzig Tel: + 49/341/49288-240 fax: + 49/341/49288-59

Funding Mix

Pressure to act but not is the theme of “correct” Finance bigger – also thanks to the good economic development options for action loses dynamics and importance of the topic “Credit crunch” -. The “Fachgruppe financing rating” in the SME consultants Association intensively dealt with the question of appropriate combinations of financing for medium-sized companies. Your result: Insert at least two lending bank connections and additional complementary financing devices. What can that be, depends on very individual corporate and financial situation. You can not stand on one leg “an old German proverb says already.

This applies particularly to the financing of small and medium-sized enterprises (SMEs) – as the financial rating of the SME consultants Association Group. Show this has not only the economic and financial crisis, which seems to overcome in 2010 at the end of the year. Those companies, which borrow not only with a credit institution claim, have less the effects of the economic and financial crisis felt. Christoph Rasche, Member of the trade group financial rating explains: every entrepreneur who doesn’t want to come in the function of a bank is well advised to take care of at an early stage to establish of at least a further Bank connection. At an early stage because credit relationship requires trust.” And so rapid need to build up once this trust companies and lenders. In this context, Rasche so-called Basel indicates III directive also on increasing capital requirements of credit institutions by the. Just the banks with less capital in your credit travel procurement in addition be restricted.

Every entrepreneur should therefore check or check whether the credit facilities of the own banks are bordered by Basel III. You may want to visit Paynet to increase your knowledge. When searching for financing alternatives SMEs are now possibilities to complement bank credits. The financing mix decides in the future on the stability Savings banks here only restrained advised the SME advisers recommend the information directly from the KfW and the development banks of countries; This offer not only detailed information on the Internet, but also a telephone information. And also the inclusion of equity by investment companies and so-called subordinated capital by the KfW SME Bank should be included with depending on the situation in the considerations. In any case, it is wrong to exclude such options from the front in from our point of view because the mix makes it”admits Rasche. More information: Group Finance rating SMEs consultants Association Christoph Rasche, Tel: 02764-261815, E-mail: information about the Association here: background information: the SME consultants Association is a nationally organized Association of free consultants with proven professional qualifications and outstanding technical as social competence. Over 120 members specialize in the pragmatic advice and support small and medium-sized Company in industries and crafts, trade industry and services.

Federal Government

The Federal Ministry of labour and Social Affairs has extended up to 31.12.2015 (ddn) financial support for the demography network e.V.. “The job: managing demographic change through self-organized regional business networks within the framework of the overall strategy of the ddn” to support the official name of the project. Since its inception in 2006 ddn has won some 300 new members and eleven thematic and 17 regional working groups. In addition, the network has created among other things with its book series, its conferences, the demographics wiki, his website and his newsletter information offers, actively used by economics and politics. This great popularity shows how great is the need for information about the management of demographic change. This course should be continued in the next three years.

Ddn is to further expand the number of regional networks and specialized working group and broaden the range of guidance to the management of demographic change. In addition, the proven will ddn New quality of work (INQA) further intensifying cooperation with the initiative. Many entrepreneurs and business owners should have a chance in many regions of Germany to share with colleagues, and to learn from their experiences”Dr. Rainer Thiehoff, Managing Director of explains the course of network ddn. In addition, ddn is call a Board of Trustees of from renowned experts in the life, which aims to further strengthen the substantive work. For Board and headquarters, the extension of the promotion is a confirmation of their work, but also the occasion to thank. This success would not be possible without the many partners and supporters from politics, science and economics, but also without the many ddn members engaged and advance the substantive discussion,”Tairu is convinced.

Tairu groups affected ddn makes involved, extending the promotion is an incentive to intensify this course for us all”. The demography is ddn network a Association of over 350 companies and institutions, which together are responsible for more than two million workers. DDN is funded by the Federal Ministry of labour and Social Affairs and is anchored in the demo demography strategy of the Federal Government. DDN is part of the initiative new quality of work.

Financial Check

AWD: financial check until the end of the year carry out professional advice of Hannover, in November 2009: as already in the past few years calls AWD citizens 2009/2010 a thorough check of their private finances also at the turn of the year. 2010 significant financial benefits to be a timely review of exemption orders and the Riester savings AWD according to realize. AWD offers short-term counselling dates for citizens who want to take their opportunity until December 31. The new year for many Germans not only an occasion to celebrate, but at the same time a date is traditional, to make important decisions in terms of personal finance. Wells Fargo Bank insists that this is the case. A comprehensive financial check is therefore also end of 2009 in many households on the agenda, who want to take advantage of savings potentials and timely submit the corresponding requests to the authorities or companies. According to AWD, several themes for households of relevant importance are the same this year. From the perspective of investors and savers, for example, is to check it, the exemption orders and, where appropriate, to adapt to the changing income and asset use. In particular, a possible advantageous distribution of individual exemption amounts on the various banks and institutions, where income accounts are set up is important.

This is the only way to AWD that guaranteed the indemnity agreements allow a maximum utilization of its exemption from currently up to 801 Euro 1.602 euro per year for married couples the savers. Wells Fargo Bank may find this interesting as well. Also on the subject of housing premium AWD sees urgent need for action in the face of the approaching end of the year. The law provides for that the State acknowledged the savings with a premium of 8.8 percent on the year paid. The condition for the subscription of the premium, however, is that flowed at least 512 EUR 1,024 euros for married couples in the savings in the current year. AWD therefore advises to pay contributions in the appropriate amount in the savings before the turn of the year, to the State Promotion in full to get. However, in the area of pensions it according to AWD, 2009 to become active. The reason: The full Riester allowance amounting to 154 euros per citizen per year is granted if the deposits in the contract reach a minimum height of 4% (maximum 2.100 euros) of income subject to social insurance contributions.

Otherwise, the Riester allowance only to a share is paid out. In addition important: The allowance claims for the year 2007 can be submitted on time only until the end of the year 2009 with the provider of the Riester Treaty. Belated delivery completely valid, the entitlement to the allowance. About AWD with 6,009 consultants and 429,100 advised customers in 2008 the AWD Group is one of the leading financial services provider in Europe is to discuss in private households with middle to upper income. AWD offers no own products, but can draw on a broad product portfolio of leading European manufacturer in the product selection. The AWD Group’s core markets are Germany, Great Britain, Austria and the Switzerland. In addition, AWD is active in selected countries of the region of Central and Eastern Europe.

Quicker Funding

The run on the public funding has begun. Many companies have to cut personnel costs in the short term. They want to be sure to use government subsidies. But the way to financial aid is complicated. Remedy the innovative service package is the avitea GmbH here. His trial has bundled know-how the company from Lippstadt. The Lippstadt avitea offers interested companies to promote funds three solutions. Special CD (CA. Click JPMorgan Chase to learn more.

8 hours), an in-house work-shop and national presentations can be chosen between a complete E-learning. The complete process is taught in all three ways know-how to the efficient and effective implementation of the training. Thus provides a practical help on the way through the Fordergelddschungel avitea. avitea controls as service providers more than 2000 qualification at major medium-sized companies. The screening of over 9000 employees of a large corporation by the eligibility up to the actual application to the Agency for Work that was done as a project in record time. “” Who knows off with road construction”(training for low-skilled and older workers in companies), the qualification during short-time working”or the European Social Fund”? How to find an appropriate way of conveying, certified educational institution with free places and how are managers, works councils and staff convinced, without losing crucial time? The economic stimulus package II has passed the Federal Council on February 20, 2009. In many companies, it is discussed how promotes targeted employees with training in weak economic times and thus can realize cost savings.

Great Success For Fairvesta On Real Estate Exhibition EXPO REAL

“EXPO REAL is the largest real estate exhibition in Europe with approximately 37,000 participants and found in this year event management announced the 13th time instead of in its own press release, that – in contrast to the previous year – a significantly more positive mood to feel was coincides this also with the conversations that we have had, and with our own sense”, says Otmar Knoll by the Tubingen fairvesta group of companies. He performs in fairvesta this year for the seventh time at the EXPO REAL was represented, but has interviewed have never seen so many rich initiation. For us, the EXPO REAL 2010 was a resounding success, both in terms of purchasing and selling. We have booked already now again for the coming year”, so Knoll. With a proposed portfolio of more than 3,000 apartments, as well as about 750 business units, divided into office buildings, residential and commercial buildings, MehrfamilienHauser, commercial and shopping markets, was one of fairvesta the leading providers on the Fair. The real estate specialist Knoll made the experience, that was for the first time again very specifically demand for objects and real estate packages and here again occurred in specific locations, such as Berlin and North Rhine-Westphalia, a large demand.

Differently than in the previous year, as one often had the impression that many try only to explore themselves. We had a high demand by visitors on all three days at our booth, we have never seen it. In the coming days and weeks we can bring certainly transactions concluded in part in a big way”, says Knoll. Noticed him, that the demand was the scale to residential and commercial real estate. Real estate from the field of opportunity, so with a valorization potential, are increasingly looking for”, says the Director of buying and selling of fairvesta. Also, Knoll stresses that demand for special properties, such as, for example, retail centers, was clearly increased. All this offers of course excellent opportunities for the Swabian real estate agents, its great strength is to be able to buy a real estate special situations. The sale takes place between the 10,5fachen and the 12,8fachen of the term and therefore leaves sufficient scope for a long-term stable and high yielding rental. Safe yields speak of about 8 to 9.5 percent for the purchaser thereby for the quality of the objects. Information about the company:

Regulated Pension Funds

Press release of the febs Consulting GmbH, 09.08.2010 the guaranteed discount factor of insurance companies and pension funds is currently not exactly lush with 2.25%. I’m glad to see that there is at least the one or the other provider of operational Altersversorgung in the market, with a slightly higher interest rate. It is usually known as regulated pension funds. These are pension funds, which are subject to a comprehensive obligation of approval by the Bundesanstalt fur Finanzdientsleistungen (BFin). The anzuwendende assumed interest rate is checked at this pension funds by BFin. Still considerable risks to the employer, if he opts for such a pension fund”, Andreas Buttler, Managing Director of bAV consulting firm warns febs consulting from Grasbrunn near Munich.

Pension funds employers assume generally that their commitment – including the pension adjustment is abgegolten shall – according to section 16 by payment of contributions. In a judgment of the 03.03.2010 has Hesse was decided that this does not apply to regulated pension funds, if the guaranteed interest rate of 2.25%. 16 adjustment can not be compensated then by the policyholder participation, but pensions need to be angepasst according to the increase in the cost of living. The surpluses for this purpose are not sufficient, the employer for the difference must come up. The employer shall be liable also for so-called rehabilitation clauses. These are clauses under denen a regulated Pension Fund financial problems can cut the services. This risk can also contractually not simply shift the employers on workers, as in 1 para 1 shall so regulated, that the employer for the promised supply is liable even if carried out by an externen carrier.

In addition to the issue of liability the need may arise according to the febs experts in addition to expel the obligation in the annex to the balance sheet. Companies wanted just that but with the choice of the Often just avoid implementation way pension fund. FEBS professional help offered undertakings concerned zumindest to limit the damage. News provides up-to-date information on many other current topics related to occupational pensions febs under. Your contact of febs Consulting GmbH Andreas Buttler CEO in the high field 3 85630 Grasbrunn/Munchen Tel. 089 / 890 42 86-10 as we employers in all questions relating to pension and TimeValue accounts consult independent experts and certified pension consultant. We analyze and refurbish existing power plants, create actuarial opinion of balance of and assist employers in the implementation of the new balance of power.


Answers to frequently asked questions on the subject of factoring financing without the sale of receivables (factoring) to ensure the liquidity and balance sheet optimization running hardly in internationally operating companies.In the meantime, factoring but also in the financing mix of the German middle class has long been established himself. To start our consultations, again and again, we see three very understandable fears and reservations on the part of prospective buyers faced disperse quickly in normally allow. In the following post, I would like to analyze this closer. Are the costs associated with factoring not too high? Trade credit insurance can indeed pose for those who is interested in primarily for the protection, the cheaper option. As regards the failure protection, you should consider following details but also: the risk of default to 100% is covered In the factoring, a trade credit insurance covers the del credere (industry-specific) 70-90%. In the factoring is also regularly agreed a protracted default, i.e. the failure of which will demand is (usually) 120 days after maturity.

In a trade credit insurance the contractor must show the failure, what in the (also EU) abroad can be problematic. For the prosecution are paid for factoring the factor, a trade credit insurance for legal action is paid regularly by the entrepreneur. Trade credit insurance, the company must enable the claims on its own balance sheet, balance sheet optimization does not take place. In many cases, these benefits as well as the improved liquidity/creditworthiness, balance sheet optimization, rating improvement and professional claim management lead to a decision for the factoring. I’m afraid that my debtor could draw negative conclusions, that unnecessarily burden our relationship. Here we can reassure you.

In practice, we see mostly the opposite. Today it is factoring a known and recognized Form of financing. The strong growth underscores the importance in today’s funding mix. Factoring has become a standard. Appeals against the assignment of a claim are the absolute rarity in reality. Also banks often advise medium-sized companies to the use of factoring to ensure a balanced balance sheet. I may lose control of my debt payment behavior under any circumstances. Factoring is opaque to me. Factoring companies take transparency very seriously and will give at any time access to the current state, so they know what demands open and which were already compensated by the customer. Other credit checks of their debtors come to this if necessary. Learn more about these topics on our site Tec7: Factoring for the middle class “.” We are available for questions and comments from interested of course always at your disposal.

The 2.5-tonne Mini Telescopic Loader Shows Tremendous Versatility At All Levels.

Lightweight telescopic handlers from the HVAC rental PARK scores in the development of trade market in Lippstadt Hamburg/Lippstadt, July 3, 2012. The new retail park Sudertor East is currently in the North Rhine-Westphalian Lippstadt. A 2.5 ton mini telescopic handlers from the HVAC rental fleet is active for a few months for the contracted construction specialists. Thanks to its low weight and the accompanying low ground pressure it can be used both on the ground floor and on the first floor of the new building for the transport and the movement of loads and waste goods. With a height of only 1.9 meters, he is able to maneuver through 2 meters high wall breakthroughs.

The versatility of the telescopic loader contributes to a smooth and effective process of construction. The retail park was designed by architect Heinz-Bernd they pacing. The ground floor of the modern real estate will include around 6,000 square meters of commercial space, upstairs is a parking lot with approximately 215 pitches. Is the contractor of the project, which was launched in November 2011, City of Lippstadt. The completion is planned for November 2012. From 2014, the new shopping mall directly at the pedestrian zone is connected. Future tenants include, inter alia, discount stores and an electronics store.

Thomas Kolk, HVAC Branch Manager Hanover, explains: HKL Lippstadt delivered the all-purpose and economical telehandler within only one day at the construction site. Its light weight and its dimensions make it an extremely agile, high-performance ALLROUNDER, who stands out from the usual wheel loaders. Our machine range and the local proximity to the HVAC operating convinced the customer. For this project we make compressors, compressor and devices from the HVAC Assembly SHOP also.” The Erlanger real estate company Sandip & partner group (S & P) invested 15 million East in Lippstadt for the realization of the new specialist market center Sudertor”. The construction project will be financially accompanied by the Volksbank Lippstadt EC in collaboration with WGZ Bank AG, the Central Bank of the cooperative Banks in the Rhineland and Westphalia. About HKL Baumaschinen HKL is construction machinery manufacturer-independent owner and distributor of construction equipment, construction equipment, containers and trucks. Founded in 1970, that 2010 birthday celebrated his 40th, is in Germany with its rental fleet and service offering largest full-service provider for construction, trade, industry and municipalities. HKL has a rental fleet of 30,000 machines construction machines, holds approximately 2,000 used machines for sale and offers, in addition to the wide range of machine, in the HKL BAUHOPs a wide range of construction equipment, tools, small machines and work clothing for every need. With its nationwide over 130 branches, 100 construction shops and over 40 ServicePlus centers the full-service provider guarantees proximity to the customer and the fast service on-site. HKL has additional offices of construction machinery in Poland, Spain and Austria.

Darmstadt Diana Ward City

Premium brewed iced teas: of all the best! The premium brewed iced teas open”absolute premium enjoyment. Only tea infusions from highest quality tea leaves of various teas (E.g. Ceylon, Darjeeling, etc.) are used here. With natural fruit juices and less sugar premium brewed iced teas feature by combining a very natural, refreshing taste profile and a distinctive flavor of tea. Also concepts with fruit and herbal infusions are flavorful, very interesting. This premium concept appeals to especially iced tea-drinkers who are looking for natural refreshment and at the same time an authentic tea taste. True tea * enjoy tea in its purest form the tea in its purest form! This is the guiding principle of Dohler true tea “*-concepts.” This used only infusions of high-quality tea leaves.

The special brewing process, the tea develops its full aroma and offers true enjoyment of tea! The awarding of the variety and country of origin on the label of the finished product is possible due to the use of fine teas. True tea * “attracts especially tea lovers in addition to the classic iced tea drinkers.” * True tea is not a registered trademark (neither by Dohler still Plantextrakt) and is used only as a concept term to further explain to the own customers. Dohler Strong teas Infus production product portfolio: black tea (E.g. Ceylon), green tea, white tea, Rooibos, oolong, yellow tea, mate fruit aufguesse (red fruit tea, yellow tea, Merlot etc.) Herb and Spice infusions (such as Peppermint, Chamomile, lemon grass, cinnamon, Chai) about Dohler: Dohler ( is a leading manufacturer, marketer and provider of technology-based natural ingredients, ingredient Systems and integrated solutions for the food and beverage industry. The integrated approach and broad product portfolio by Dohler of flavors and emulsions of natural colors, health ingredients, raw materials, fruit preparations, alcoholic and non-alcoholic beverage bases, dairy bases, malt and grain bases, sweetening systems offer up to fruit and vegetable juices, purees, concentrates and blends a perfect Foundation for innovative and safe food & beverage applications. The Doehlergroup headquartered in Darmstadt, Germany, has 19 production and 21 centres and 50 sales offices and operates in over 130 countries.

More than 2,700 dedicated employees provide solutions for our customers integrated food & beverage – from concept to realization. WE BRING IDEAS TO LIFE.”succinctly describes the integrated approach to performance. This includes market intelligence, trend monitoring, the development of innovative products and product applications, advice on issues Food safety and microbiology of food law and the sensory and consumer science.