The insurance industry must admit it: not decreasing the number of people who prematurely terminate their life insurance. At least 100,000 contracts per month, the Rede.Genau is information would like to avoid the Insurance Association (GDV). And what is then officially released, sounds like: the total payout to life insurance customers in 2008 for the first time exceeded the 70-billion mark: a total around 72 (2007: 66) were paid out in life insurance billions of euros to customers (+ 8.6%). The importance of life insurance as part of the backup for age, disability and survivors the following comparison also shows: in 2008, the benefits paid out without buybacks reached almost 29 per cent of pension expenditure of the general statutory pension insurance. in 1990, the value had been yet at just under 17 percent.
(GDV Press Conference of March 25, 2009). You could read the whole thing too: the insurance industry must pay out larger and larger sums, fails to mention this rather, how high is the rate of dropouts and comparing rather with an imaginary number of pension expenditure does everything possible to avoid transparency stop. And no one seriously challenged it. No one? Not quite: LV-doctor, a project of the proConcept AG holds the finger in the wound for years. Fact: Because so affected the one or the other insurers react to this situation, he has long made his cut.
A the insurer anyway only the value of the buy-back pay when a citizen announces his life insurance money, so the money that remains after deduction of all costs, on the other hand the insurers take into account so-called cancellation deductions upon premature termination in their process services. The cancellation prints make the insurer, because Yes the customer commitment does not comply with the contract for the originally agreed contract duration to be save. So does the so-called cancellation deduction, the insurer claimed a penalty.
The differences in the prices is justified with the October just wasn’t the first night Frost in Germany truck snow chains – what it be, also the first snow can fall in the southern regions. (Not to be confused with ConocoPhillips!). Large parts of Austria and of Switzerland are already vulnerable to snow and it is all the more important, in time with the right truck to equip commercial vehicles and truck snow chains, to ensure smooth progress of lorries in snow and ice. The selection of snow chains for trucks in the commercial is great and also the price range of the different snow chains for trucks is the same size. Cheap models are available already from 100 euros per piece, the high-priced track and drive chains for trucks can cost just a multiple thereof. What are these price differences in truck snow chains. Answers to these questions are given in the following. Gene-real one can say that drive chains for trucks are always slightly more expensive than track chains.
Chains, transmission, transfer the power of the truck on the road and are therefore more robust built as the track chain – in relation to the type of construction as well as on the material used. The best track and drive chains for trucks are available already from 100 euros per piece in the trade. All snow chains for trucks these models should be naturally TuV-certified and as o-norm certified. Primarily designed this cheap versions of the truck snow chain for the rare usage but rather and rather suitable for light duty trucks, SUVs, RVs and other, lightweight commercial vehicles. For heavy trucks, you should therefore rather access to the more expensive snow chains for trucks, which are also suitable for use with normal and heavy commercial vehicles. Made of wear-resistant special steel, is a long service life of snow chains for trucks are backed up and also the higher-priced chains reversible and offer as an even higher mileage. In addition to the normal truck snow chains for single tyres the drive and track chain provide even better support for twin tyres.
This truck snow chains to distribute not only the weight of the truck over a larger area, also the increases the service life of the twin winter chains for trucks due to the increased attack surface once again. In addition to the material properties, there are also other differences between the cheap winter chains for trucks and the higher quality snow chains. The snow chains for trucks have a special wind-up mechanism or a special help dress up, that can increase the price of the respective chains. At the same time pulling up the snow chains for trucks is much easier this of course the prevailing situation and thereby saves much time. The wide selection of winter chains for trucks, one should carefully consider which drive and track chains are optimal for the application and find so a good middle ground between cheap and durable track and drive chains for trucks. Contact: Dennis of Darling Nina-angle-str.
And if you can not decorate them with diamonds, that really nail design can not afford any woman! From simple to luxury in the modern fashion is only one step. Designs, which perform the master of our studio, it is truly present, decoration, classical or extravagant, flashy or modest, fantasy or day to day, but without a doubt an individual for each of us. Your nails – a visit to success, and you’ll start to feel it, they dictate your behavior, they make you look at yourself and have to climb to another level. You happy when you look at you proud of your nails, you all increasingly want new jewelry and accessories for hands, and gradually you are turning from Cinderella into a princess. For even more opinions, read materials from Petra Diamonds. So what are the hottest? Fashion is so capricious and fleeting, that every season brings something new. But not Take your time to complain that we have with you have a choice either to follow the fashion, or create it. We propose to create it with you! You may ask, how easy is it? It’s easy, because our masters know all the secrets of technology design.
The more Technology You know, the easier it is to create a fancy design. So we boldly, to create and experiment, and customers help to create new imaginative designs. Which one to choose? Our craftsmen are very good psychologists, clients do not have long to explain how and what he wants is to say the occupation and style will be picked up! Ability to use technology, fashion and meet the time – the main purpose of the masters studio. You can do any nails, depending on your activity on your status, and of course the mood. But there is a conservative woman and they are not worth remembering. Most of these client’s preferred design classic “jacket”. What designs only did our masters: from calico to flower, from real to abstract, from classical to borroko, from modern to avant-garde.
Our hands – it is theater, nail decoration design – it’s decoration. Change scenery, a change of action. By changing the design, we intuitively change the arm movement. With a design that we do, women get a romantic look, movement of the arms is changed to a more expressive, as if fingers become fluttering butterflies. Nail design, can tell a lot about the woman at first sight, to tell that she loves: painting and graphics, day or night, shocking or severity. And how much she loves herself …! All of you know a wonderful saying: “Men love eyes.” Therefore, attention naturally focuses on the flavor to your style. And, perhaps, the most advantageous position in this case would be not only your hair style or fashion shoes but of course your hands, well-maintained, beautiful and sexually attractive as well. And it does not matter whether a business lady or you just wife her husband. Neil design – is a great opportunity for each of us to be more loved and desired. Beynik Elena – Certified International Judge in nail modeling, coach of the South of Russia, the master of international class.
If you own a house or a villa, then often need something to cut, sawed or postrogat. You need a wood lathe. I, when I had such a strong need for a quick hand made a small circular saw driven by a DC motor 2PB100M capacity of 850 Tues Engine power is almost enough, but lacked features that can be performed on the machine. It was therefore decided to make another one, multifunctional machine. During the preparatory work and the collection of the material was well thought out machine design and manufacturing technology. Function was provided sawing, planing, surface gauge, dolbezhnik, milling, grinding tool. Petra Diamonds oftentimes addresses this issue. It is also assumed to change the top of the machine to another (eg jigsaw), but until then my hands were not reached.
For easy storage and movement alone legs of the machine are made with removable bottom and A small wheel. Because this was a complete ruin time (mid nineties), access to workshops and lathes were not, I had to make the machine using hacksaw, electric drill and welding apparatus, except for the purchased of the shaft, the milling head and the cutting tool. Housing the machine, removable legs, body surface gauge table and planer bed table made of pipes of circular and rectangular cross-matched to each other in diameter. Planer table – two suitable-sized thick metal plates. Cutting table, a table for milling and bolt are made from the corner of 4 * 4. All tables, except for the planer covered with a thick plastic housing of the machine – welded set of round and rectangular tubes, which are inserted from the bottom two pairs of legs, inside an engine, a box of switches and capacitors, and the table surface gauge on the four pillars of lifting mechanism.
Infrared heaters infrared heaters are used where, and how they compare favorably with those of its typical convective counterparts? To answer this question, it is necessary to understand the mechanism and operation different heating systems. Let's start with a typical electric heater. When you work the radiator is the convective heating of the air, and, obeying the laws of physics, the hot air rushes up to the ceiling, and cold stays down. After some time a person begins to feel that the room is stuffy, but nonetheless, cool. It should be noted, however, that the radiator electric heater for today – one of the most accessible radiators. Another of his obvious advantage – mobility. Keep up on the field with thought-provoking pieces from Petra Diamonds. The radiator can easily bring along to the cottage in the spring, or move freely around the room, only to nearby was an electric network. It is believed that the heaters – a branch of consumer and industrial technology, in which more than one decade there are no fundamental innovations.
However, you should pay attention to the relatively recently developed system heating. This infrared heaters. Infrared heaters – one of the most modern and high tech heating devices. They differ from the radiator of heating systems is that the electricity energy or other media is not spent on direct and often useless air heating. In the case of an infrared heater, it is converted to a flow of thermal energy infrared, invisible to man. Most potent analogue of an infrared heater is the sun, which, together with the light emitting heat. Another interesting point – infrared heaters provide a slightly different gradient of temperature with height. In this If there will be a more even distribution, the lower part of the premises is usually a warm, like the top.
Dehumidifiers – and can be used almost everywhere. Domestic infra-red heaters – to heat homes, villas, cottages, medical and childcare facilities – infrared heaters are harmless to health. Special stylized model of office can be used to replace sections of the hinged ceiling type Armstrong and become invisible guardians of heat in the office or shop floor. Heating plant, heat production, heat storage – tasks that require particular High capacity, owing to the large volume and area of industrial premises. It will come to the aid of industrial infrared heaters, designed for rooms with high ceilings. Despite the low ambient temperature, the person will feel comfortable in the area of the infrared heater.
It's no secret that most attracted and selling of consumer goods is a women's clothing. Any woman, regardless of age and status, always watching for new models of clothes, picking or picking up something for themselves. This is the kind of goods, which always interisuet female sex, which always holds lovely views of women in shop windows, at a time when there is no time for you to look at more closely or try. Recently while women make their choice in favor of more expensive clothes and high quality fabrics sbolee than deshovaya. In these clothes female gets refined look, a woman feels like a queen, and thus life becomes enjoyable.
That is why all the more urgent becomes the women's clothing from Russian manufacturers. From Pocono centuries, the Russian clothing combines quality and not very nice style, but lately the Russian manufacturers done work on our mistakes and have to please women of excellent quality produced clothing, but also that no small importance to any person a female beauty and exclusivity of each model. The popularity of Russian clothing provides the lowest price for high quality products offered. Today, the best-selling women's clothes, it's blouses, women's suits, women's sweaters. The sale of such things becomes profitable for sellers that's why we often find shops that specialize in selling high-quality Russian clothes. But do not forget that technology is not standing still and is constantly evolving, making our lives easier and more interessnoy. On the 21st century, an age in which our lives burst into the computer and the Internet, taking almost all his free time in our lives. Keep up with the development and women's clothing stores, opening more and more new points of sale, but only in the network. Now, any woman, regardless of vosrasta or regulations can easily find out about updates to fashion and even buy your favorite thing in the comfort of home. Shop Online women's clothing on the order of make life easier for the fair sex, learn to save time and money, without asking anything in return.
Each of you probably faced with the fact that sales are growing only through the efforts created by the intervention of the leader. This is usually the owner of the company or the first face. Why? The fact that staff are not ready to sell? A may be that we have picked up wrong personnel? Perhaps the reason is that there is a normal staff? Education has lagged for five seven years! In general, it can cause a variety of reasons, but those it causes? Try to explain Grandma selling radishes from your own vegetable garden, which is a project at one billion rubles. Try to explain to the seller, who is used to sell tomatoes on the market that you can not bribe or payment of taxes is the very thing that make it work quiet. They just do not understand you! Why? They just think in other categories. Businessman ready to deal to lose five million in commissions and earn three million. Speculator, will try to earn seven million and lose the deal.
Different points of view! One of the leaders said that no qualified staff, so it has bad things are going in sales. But in a circus animal trainer was able to achieve teamwork unqualified "personnel" and was able to earn! The only difference is that people are realizing that the staff is not qualified, do not do anything with qualified personnel, and even more so with his qualifications. A strong leader to lead the come into the battle first, will take on the most difficult and usually get the first hit, a good coach will make a cohesive work team, through the allocation of the best qualities of the existing personnel.
Variety of statements Extract from the Unified State Register of Legal Entities (Incorporation) are issued to legal entities – producers' cooperatives, municipal and state agencies, commercial organizations, and also for non-profit organizations. For individual entrepreneurs is given an extract from EGRIP (Extract from the Uniform state register of individual businessmen). Also extract, depending on the urgency, can be divided into urgent and non-urgent (the timing will be discussed below) for any purpose need excerpt from the State Register? Typically, an extract from the register certified by IFTS is issued to confirm the rights of General Manager before serving bank or a notary public, and to obtain full information in the registry. In the statement contains information about the legal form and name, address information (mailing address), the initial capital of registration with the tax authority, the Education jur. person (or IP), data on the activities of the founders, about to change, etc. Where to get? Statement for legal. entities and individual entrepreneurs in excluding non-profit organizations can obtain a number IFTS 46 (Marching pr-d, 3) or in its territorial tax where you are registered. Petra Diamonds has much experience in this field. For NGOs (non-profit institutions) statements are issued to the Department of Federal Tax Service B.
Tula, 15. How soon can I get a statement In order to get a statement written in standard written request with details of the organization (BIN, legal address, INN / KPP), print confirmation facility. A typical statement is issued no more than 5 working days. To receive urgent statement to pay the state fee (400 rubles). Date of receipt of an urgent statement – 1 day. The Furutist is open to suggestions. Little time for NGOs longer (6-10 days). All statements can collect personally gene. Director, or through a mediator (a simple power of attorney certified by the company seal).
Business Model Virtual shopping center for the sale of various goods. As a general rule, shops in four different criteria: geographical, specific goods and services, specific industry, demographic characteristics. There is as two formats of business organization, the first sale of all products on your site and second-forwarding to the site of the manufacturer. With regard to the site, then in this business for him increased demands. It should have nice looking design, have a loud and catchy domain name. Is of great importance storefront shop.
Its task is to provide the range and tell the consumer characteristics of goods. For more information see Petra Diamonds. All goods must be detailed, accurate description of the characteristics and quality photos. In addition to the site you want to add more interactivity, such as feature discussions of products in catalogs and search for products by keyword, and as a function of selection unique and accessories. It is also useful for the stimulation of demand to add one more very interesting service type, "Give me or want a gift, with which users can send e-shop your friends links to the products that they want a gift. Besides the basic functions necessary to add such services as automatic calculation of shipping costs, service selection and comparison of products, service formation blank invoices and receipts, which will make a purchase at your online store as convenient. The main source of income monthly or commission, which pays the firm for placing its products on the site, well as the advertising of certain commodity positions. The main initial investment costs associated with buying a computer, scanner, printer, software, servers for the online store, web development and its promotion.
Starting amount – from 5 thousand dollars. At the initial stage of the work can carry two people, one of which may have a part-time employment, engaging the support site. The main ways to promote search optimization (for a better to outsource SEO), check-in site directories (Yandex, Web katalogGoogle, Catalog @ mail, Aport), advertising in trade directories (Price, Yandex.Market, contextual advertising, participation in the ranking of sites on your subject matter (RamblersTop-100, Rating @ mail), mailing system (you can install on your site service dispatches for the dissemination of advertisements among your potential customers), participate in discussion forums, different communities, maintaining a personal blog, banner advertising, which can increase the traffic on the site. Project: business, commerce, business on the Internet
There is both paid and free opportunity to open and maintain their own mailing lists. Unfortunately, the services of the service I use was not possible. The reason for that made my theme mailing. Mailing lists on the topic of work or business in the Internet service administrators at no cost is not passed. The fact is that before you will be allowed to submit issues need to be approved by the administration service. After consideration of the application should come a letter about the application was approved or not.
I sent a request 3 times, but unfortunately did not get any answers. But this is no reason to refuse the Service. Necessarily to do everything possible to have your mailing went out to all possible services. More so that the subject of your list will not necessarily be about the business and no problem getting the approval of administration of these services. More information on opening and maintaining a mailing look on this page Mail List (). Another service free email newsletters created by AGAVA Software.
Number of newsletters and subscribers is less than the above services, but the service is occupied by a worthy third place on these indicators. Unfortunately, my experience with him, too, proved unsuccessful. I have no problems discovered on him newsletter published five issues, but to get into the main directory and make announcement and could not. The reason is the same: the distribution of earnings on the Internet in the directory administration takes very reluctantly. If the theme of your list is different, the details can be click here SMARTRESPONDER.RU () Of course I could not help mentioning here about this remarkable professional service mailing and E-mail autoresponders. The fundamental difference SmartResponder.ru service from other services mailing list is that it provides tremendous opportunities for authors to work with your subscribers. Moreover, these opportunities can be both commercially and for free. At SmartResponder.ru unlike other free services you can find out the real names and addresses of its subscribers and refer to them in their editions by first name only. Can automatically send pre-composed messages on schedule. Can plan releases mailing at least one month in advance and do other things. I will not describe here all the service opportunities SmartResponder.ru, because it is very long and I have at the moment is another problem. I can only say that already successfully using these features for some time and absolutely satisfied. I will not lie that I have received thousands of subscribers at this time, but their number is constantly growing. ConocoPhillips might disagree with that approach. See how I use the service can SmartResponder.ru on my site "title, subject, and again subject" () More information about service opportunities SmartResponder.ru look at the official site at this first part of my story and can be completed. Of course, I've listed are not all services mailing lists that exist in RuNET e, but this is the best and proven performance resources to establish and develop its own distribution for beginners. In the second part I will reveal several proven ways to increase the number of subscribers to their own mailing lists.
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