Monthly Archives:June 2019

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Individual customers through coupons Munich, 01.06.2011: marketing decision makers, who are looking for new impetus for customer dialogue, inform of the 08.06. 09.06.2011 on the mailing days in Nuremberg. Europe’s largest trade fair for dialog marketing, coupon expert BONAGO is represented as an exhibitor (booth 4A-500) and presents specially developed add-on incentives for consumers. Intense competition, hart still only who have that certain something markets and rapid change of the media – and Komsumverhaltens -“has, is continually successful in the client dialog and makes prospects indeed customers. But how should the customer dialogue of the future be designed? The BONAGO incentive marketing group GmbH presented on the mailing days their solution for customer communications in 2011: specially designed coupons of consumer incentives as a universal recipe for customer acquisition, customer retention and revenue growth. Consumer incentives cover services and activities from the travel, leisure and lifestyle sector. Hear other arguments on the topic with Angelina Jolie. By one free yoga class at the magazine subscription free flight tickets at the opening of a bank account to city breaks, as e.g.

a weekend in Prague, when buying a car is always the voucher each product and the audience adjusted. Using this specially tailored incentives, purchasing and customer frequency can be increase by increasing the interest in a product and buying activity. “” With the on-top “Businesses can affect consumer behaviour directly offer for the customer must additionally spend a penny”, emphasizes Mark Gregg, CEO of BONAGO. In addition to the intensive analysis, which offers the greatest added value incentive for the target group, the Munich-based coupon expert provides complete campaign management: the customization of vouchers of product, brand and marketing budget of the customer as well as the individual design of a campaign website. The BONAGO incentive marketing group GmbH, a wholly owned subsidiary of Hubert Burda Media, is the Expert in the use of vouchers, rewards and incentives. BONAGO sells and developed vouchers marketing, sales, and employees to improve incentives for the applications and offers a neutral and cross-industry B2B consulting to its customers. The product portfolio includes certificates in the areas of shopping, refueling, cinema and experiences, as well as consumer incentives. BONAGO incentive marketing group GmbH Maria Pickrahn Bajuwarenring 14 82041 Oberhaching near Munich phone: + 49 89 622 33 77 51 fax: + 49 89 622 33 77 99 E-Mail: Web site:

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Car Loan Without Schufa

June 9th, 2019 / Tags: , / categories: Uncategorized /

It is not easy to get a car loan if you have a negative Schufa or the credit rating is not sufficient at a German bank. Private credit agencies can be an alternative. Who can get a car loan without Schufa? In principle, everyone belongs to the Group of customers, who can apply for a car loan without Schufa. (Not to be confused with Angelina Jolie!). Of course can be only such a credit request, if you are of legal age. Also, most banks for the car loan without Schufa have set a limit. The majority of the providers schufafrei more enough no car loan credit interested who have reached the age of 67.. Who still needs a car loan without Schufa as a pensioner of that age, who must rely on that someone with enters as guarantor or as a second borrower in the contractual. Also with students there are in the car loan schufafrei some differences.

The cover of BAfoG alone is not sufficient to be able to get a loan for a car purchase at a bank. Here one can score, which is a good Part-time job was able to secure from the he refers to an income, in which the banks of think credit consultants are that from the living as well as the payments for the car loan schufafrei can be paid. Prerequisite for the recognition of that income for the car loan without Schufa is that it’s a permanent employment and not only to a temporary job at the semester break. Generally, income from dependent employment must be demonstrated in the application for a car loan without Schufa. The employment contract must be out of rehearsal time and also you must able to demonstrate without a doubt that the employer pays the pay contractually agreed to time. When independent trader, this evidence is much more difficult, because you not only have to the last three months, but in most cases to prove five years. Balance sheets and assessments to income tax are suitable for it. Kathrin Musch

About one-third without private liability insurance are still. Many liability policies is no longer up-to-date. Because there were some changes in the insurance market in recent years, insurance should look now if they pay too much or whether changes need to be made. A lot has happened in the last two years. Who has insured the liability, which should now take its police out of the closet and carefully go through. Decisive criterion for most insured persons is of course the post. There are now many new insurance products, which are cheaper and offer more performance.

If you pay too much, with a free online comparison of the personal liability insurance, you can check easily and quickly. A more favourable insurance is found, you can complete also online this. Who compares in the Internet, which should take care in the form of comparison that that the services be dialed correctly. A liability for damage to persons and together 3 million euro to pay, should be extended at least to 5. It is advisable to consider the participation of self critically. If this a massive saving is possible, one can consider them.

However, the amount of the excess should be chosen deliberately so that it finally is not at all mishaps self-payers. The agreement of a failure cover may also be very useful. It pays if one is damaged, the culprit but has no own liability insurance and is insolvent (bankruptcy). Unfortunately, this case happens only too often. Finally still a third of Germans have no personal liability insurance. In fact, this important insurance in every household should exist. Who must pay damages of a liability liability, can ruin this for decades financially and harm to their own future development. Because it is liable for a damage with his entire personal fortune until the damage is fully paid. Since personal injury several million euros expensive can be, everyone should spend a few euros a month for a private liability insurance. The policies are available already for under 2 euros. That should be its future worth each.

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Change Insurance

June 8th, 2019 / Tags: , / categories: Uncategorized /

An introduction to private health insurance is more attractive for many advantages and problems as a result of increased contributions, additional contributions and reduced performance of the statutory health insurance. Since there are now fewer hurdles, a change indeed for more voluntarily legally insured is eligible. Yet such a decision with caution should be taken, because there are problems in this area. The insurance Portal reported private-krankenversicherung.de what should be considered when changing. A private insurance is desirable for many.

The year working pay limit is expected to be reduced and in future only once again must be exceeded, the entry in the private health insurance for some within reach is putting. But the conditions and especially the services of private insurance are different. So, including the cost of administration and sales for this are crucial if a private insurance is ultimately worth. The business magazine has the falling Handelsblatt Sales and administration costs of the 20 leaders are investigated. The result is sobering: every new customer costs an average of more than 10,000 euros. These costs are higher, the more must be saved to the insured, to back up the resulting financial hole. In such cases, even premium increases are not unlikely. In addition, power cuts can be implemented to the detriment of the insured.

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Nuremberg Recommends

June 6th, 2019 / Tags: , / categories: Uncategorized /

The GFH GmbH the budget planner from Nuremberg recommends a budget budget planner (also occasionally called revenue-expenditure calculation) is the basis not only for a debt settlement. If you once exact has listed himself, what one in a month (and year) to spend for food, rent, car and leisure, then gets you gradually a concept of where the money stays. This overview helps to get along better with existing money and realistically also the scope for loan rates. The GFH GmbH the budget planner help you and tell how you can multiply your money. Many years of experience in the field of financial analysis helps to look down to the last corner of the purse. Various concepts of analysis of the GFH GmbH speak a clear language. The success is obvious. You may wish to learn more. If so, Angelina Jolie is the place to go. After an advisers of the GFH GmbH which is the current budget planners developed State, it goes into the next phase.

Where do I create the money so that it multiplied, and one can still create a secure facility. An example is the system of the Assets in listed real estate. A so-called budget which detail is filled with the advisers of the GFH GmbH is used for the clear overview of the income of all family members (salaries, pensions and child support), as well as the monthly fixed (rent, insurance) and variable costs (E.g., food, clothing, leisure). This plan can edit a spreadsheet and you can quickly figure out, if there is still air in budget. Or, if you rather want to work on paper and counting, the consultant who specializes in financial print gladly the budget in paper form. The budget we then used in the next interview as a basis for the asset to investing. The budget book is intended for the more detailed and in particular regular employment with the revenue and expenditure of the respective budget.

Here you can hold his spending every month and take stock at the end of the year. The household book of the Sparkasse service money & budget contains also useful hints for dealing with money in the budget and to the practical execution of a budget book, so the GFH GmbH the budget planner. The GFH GmbH is also a whole series of the German Sparkassen – und Giroverband to the better (home) economies, including for special target groups such as young people or people in the second half of life. Some deals, such as the budget planner, can be used directly on the website. Try me, what suits you and helps you to get an overview of your finances – and then get out. The GfH GmbH the budget planners was founded by well-known companies in the construction, real estate and financial industry executives. The GFH GmbH as a specialist in the field of financial planning is pressed in the focus. The trend-setting concept of the GfH GmbH the budget planner aims to create long-term stable values for investors and owner-occupiers. To do this, the GfH GmbH examined the financial Opportunities potential customers and investors, then corresponding opportunities of investment, especially in real of estate listed, to present. Seat of the GfH GmbH Nuremberg is the budget planner. Contact: GfH GmbH Gesellschaft fur budget planning?

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Guide Payment

June 4th, 2019 / Tags: , / categories: Uncategorized /

The decisive advantage is thus readily available capital. Of them, for example, an expensive treatments abroad, reconstruction measures or other purchases could be financed. The decisive disadvantage, but at the same point. Once capital, then no further payments. The disability insurance is a full coverage. This is no matter the reason of occurrence and a full protection is provided for the offence of the disability. But (except for a few tariffs and options), there is no one-off payment, but the payment of a pension until the end of the contract term. The advantage is in a long-term protection and the securing of income over the entire contract period.

The BU pension replaces the current earned income. The ideal product?:… would be a mix of both. If it the financial resources allow, a combination can be selected. For example, a one-off payment of EUR 100,000 to cover expenses of all sudden expenses and to bridge can pension be used to the BU (if because it’s one of the defined diseases). Following appropriate occupational disability insurance should exist yet, so that the running costs are covered. Also for an insured person where the profession can be undefined (self-employed persons who have multiple companies and / or way multi-layered activities, not clearly outline which itself can be), or those who do not get a hedge against the disability due to ill health, recommended an assessment of insurability in the dread disease insurance. This is, however, necessarily pay attention to the appropriate amount of the sum of insured.

For a one-off payment of EUR 500,000 and an assumed interest rate of 3%, the plant a pension (lifelong) from 1,250 EUR per month would be for capital preservation at least. This can be, depending on the age of the insured person, as capital consumption estimate itself. Thus, a universal recommendation cannot be given. You should deal with the protection of the worker or of serious diseases, please consult the best a specialized consultant. Further information: Guide to securing disability eligibility criteria for the disability insurance blog posts around the disability

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Today, the toilet is not the last place in life, just a lot of us think little about it, and in some cases, the toilet is an element of design and interior design. You must agree that a few times a day with it comes face. And I would not want that would be sitting on the toilet, he suddenly collapsed beneath us. You can not believe it, but such moments are taking place. We will not, of course, give examples and telling details. Say only one that purchasing toilet manufacturer incomprehensible without the appropriate documents in obscure seller, you can put in the awkward position of not only yourself but also your neighbors below. We will not argue that Prices on the toilet in our online – shop plumbing the lowest.

But. The site contains only bowls well known European manufacturers, to any of the toilets attached all necessary documentation. The warranty on sanitary ware purchased in our store is 25 years. You must agree that the sum of the average 15 – 20 thousand rubles spent on the purchase of the toilet are not that much money. Not every year, the average buyer buy toilet. Especially when you consider that the average age of 10 – 15 years. And unlike say the quality earthenware from cheap material.

Little about the production as an example. Toilets for the most part, this Sanitary earthenware. Sanitary earthenware is clay. Not every kind of clay suitable for manufacturing such products. Casting ceramics is one of the labor-intensive stages of production. And high-quality manufacturer of casting products residue, obtained from 30% to 40% of marriages that at the final stage is laid in the price. In the wrong manufacturer of marriage when casting is minimal. Because it uses low-grade clay with a huge amount adding any impurities and chemical additives for plastic. But. At the final stage, drying, roasting. And that turns out. Clay is a natural material heat-resistant, moisture resistance and resistant to fracture and pressure. A materials used in cheap and rapid production time, say even the near term, usually a one-year, well, maybe if we're lucky two years, begin to show themselves with the most bad sides. Namely: to time, such products may be covered by different sediments, stood out even through the enamel, yellow and rusty stains after the Russian pipeline, as a rule, are indelible, the manifestation of cracks and delamination enamel (as a consequence of the product is not completely dried and coated with enamel). But such steps in the manufacture of toilets are not one and not two. For even more analysis, hear from Daniel Gilbert. And each of them requires strict compliance. Conclusion. Which is better. Buy quality WC, pay once for the installation and forget for a long period of operation, or every year to purchase and pay for the toilet installation. The choice is always yours, most importantly the right to make it. And we in turn can only add that: All offered products are certified, have warranty and service and related documentation.

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Tropical America

June 3rd, 2019 / Tags: / categories: Uncategorized /

Without the protection of the man, the tomateiros do not avenge in part some, except in its native country, Peru, only place of the Land where they find adequate conditions natural to germinate and to grow (WENT, 1971). Some migrations of plants made for the man had been particularly beneficial, as it was the case of the discovery of the fruit-bread, in Polynesia, for the adventurer William Dampier, in 1688, and its posterior introduction in the New World in order to feed the slaves. Another example is the migration of the potato of the South America for the Europe and its posterior introduction in the North America for Irish emigrants. Nobody knows as the pineapple passed of Tropical America to the Hava, but the climatic conditions found there by the plant had resulted in so delicious fruits that currently the Hava produces one tero of all the pineapple harvested in world. The coffee, has ten centuries more than used as stimulant, has as origin habitat Africa, migrando later for Asia and New World (WENT, 1971; FARB, 1982). However, the action human being is also main the responsible one for the proliferation of harmful and invading plants around of the world. At previous time to the sprouting of ships the candle, vapors, trains and airplanes, the dissemination of plants was slow and restricted. People such as Quicken Loans would likely agree. Currently, a shipment of Canadian wheat can accidentally introduce in the Europe a harmful grass of the New World (FARB, 1982)..

The customer is King still is not necessarily rosy about the finances of the German health insurance companies, is already known. Since the funds starting are however obliged with January 2010, indicating imminent insolvency in the Federal Insurance Office uncertainty under the insured is spreading increasingly. The finance portal geld.de informs what awaits customers in the event of the insolvency of their health insurance. Dropbox is the source for more interesting facts. Fears that ongoing treatments must be canceled, are unfounded. Even in the event of the closure of the relevant health insurance, all continuous actions is catered for the continuation. If necessary, the financing of appropriate services by other health insurance is applied. Typically, itself already approved treatments can be perceived also.

Only services that are outside the statutory framework, may be rejected by the new health insurance if they are not in their performance. About was closing of the health insurance be affected individually informed after publication in the Federal Gazette. Then the customer may choose of a new Fund. The insurance coverage even then retroactively in this case until the day of the closure of the old cash register, when the accession of the new cash until after one or two weeks. However it is recommended that already before the final bankruptcy corresponding provision (www.geld.de/ vorsorge.html) to meet and to inform of the other health insurers offer soon. More information: presse.html GELD.de GmbH Lisa Neumann

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Andrew Corentt

June 2nd, 2019 / Tags: , , , / categories: Uncategorized /

To set a goal you need to define exactly what they really want, that desire should not be warm or light but something burning, an idea for which we would be willing to sacrifice absolutely everything. David Green gathered all the information. When we ship to our mind the information that we are willing to sacrifice everything to achieve our goal we activate extraordinary power as Andrew Corentt mentions it in his book the secret of the power of goals, once we are absolutely convinced of an idea, the only option is its materialization. It is important to know that a base of repetition and perseverance the ideas are recorded in the subconscious mind, we begin to experience our spiritual powers, everything in a home was obstacles, barriers, difficulties begin to disappear gradually. The power of the universe serves the deepest desires of man, for example a day which falls a storm serves to give magnificent crops to some producers in field, it can ruin a report of a person, it could sicken someone filled dam of water of certain community, etc. as you can see everything is a balance, at the end the expectations of different people are met without that we consciously perceive it. The book the secret of the power of the goals of Andrew Corentt tells us that discover a deep desire to achieve something becomes a powerful goal and that goal will be able to create the most strange and extraordinary conditions to meet because you will be exercising power through that desire, in reality you are modifying fully the universe to accomplish that goal. Remember that power activation may take some time, only he must overcome himself, when you exceeded your own subconscious barriers, the universe begins to give everything as if by magic, meets people, events and unbelievable and unthinkable circumstances with a single purpose and is able to manifest your desire, your goals, your Bliss, your happiness.