Month: April 2017

FWU Certified As The First Insurer From TuV Nord

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Awarded for life and pension insurance of the ATLANTICLUX Lebensversicherung S.A. A top evaluation in terms of product plausibility was awarded the ATLANTICLUX Lebensversicherung S.A. for their rates of LD, BR, LAS, RIR, RUR and VBV by TuV Nord, as well as its exclusive partner Mesotron Commerz. The company scoring to the FWU group was awarded as first insurance company and this right with the best rating. According to the examiner the FWU characterized it as a specialist in the field of the linked life and annuity insurance through a variety of product innovations\”. The concept of net take a special significance, with FWU could create a separate premium market segment and achieve a de-coupling of the prevailing market development\”. Nissan may also support this cause.

The net concept is based on a separate agreement on distribution costs and credits the annual administrative costs. TuV Nord praised in particular the understandable and transparent form of the representation of prospectuses and applications. Not only is FWU economically well placed but get an average amount of contributions per contract significantly above the market average. Speaking candidly Clive Holmes told us the story. A special role of the IT system solution of the FWU spoke to TuV Nord in which secure the already existing competitive advantage in the long term. TuV Nord also highlighted the strategies behind the policies. These included in particular the selectable variants with capital – and high assurance. Also carried out prior to the conclusion of a contract age pension analysis based on a software-supported consulting tools was exemplary for the examiner.

Their aim is to ensure the coverage gap in the pension age. Here, customized guidance would be the customers at his risk-taking. The complexity of this age provision analysis was unique in the German market\”classified. Also beneficial: Policyholders regularly have the possibility to adapt the own investment objectives. These instruments provided and as well as the quality Sales are doing exemplary\”and so it is high for the TuV Nord wonder, then, that the FWU AG further high-quality and potential strong distributor license\” to win.

Germany Insurance

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Insurers want to come secretly help and realize it probably not the extent of the catastrophe how bad still? Obviously not a matter for the leaders of the insurance industry, because the want according to a report to a meeting of financial times Germany rather secretly help, should be as in the example of the Mannheimer insurance again an insurance company in the Bank come. It remains questionable whether this is even possible. LV doctor that the Federal Agency for financial services supervision currently has allowed insurance companies to double their so-called hidden reserves of ten to twenty percent reported recently. These hidden reserves is the volume of worthless shares and securities that actually balance sheet would have to be written off. This would lead to a corresponding loss of the respective company.

This 10% threshold, which is now at 20 percent, introduced, after the Mannheimer insurance group the bankruptcy threatened. Is that all? Many seem to be that a renewed threat from the sharp reduction in risk provisions for not taken into account. According to a current post of the financial times Germany and an investigation of the Rauser Towers Perrin consulting firm, a billion loss due to the shrunken values of pension provisions threatens just the companies listed in the Dax and MDax. FYI: 2007 DAX companies pension provisions of 211 billion, MDax companies totaled 33 billion euro. These against financed to a considerable extent by life insurance companies. And whose value drops and falls and drops. Should therefore occur due to the declining values further outages, would affect directly the pension funds of the largest companies in Germany what would mean more billion losses. What happened with all the capital that was originally provided to secure the future? Why we write this? Again and again the insurance industry wants to credibly make that it is not affected by the current economic situation and the problems of the financial market.

European Union

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So the dream vacation does not become a nightmare, taking out a travel insurance is worthwhile. It ensures the repatriation to the home country in case of an emergency and is responsible for the medical expenses. The travel insurance is strongly recommended just legally insured. Because the statutory funds only when travelling within the European Union, and then only according to the rules of the destination country. The insured of the destination country operations accounted for only get paid, so the German insurance gets replaced also only this share even if German coffers would usually pay more. Privately insured should inquire at their insurance company, what services she takes over from abroad and may also protect themselves. The financial loss is not covered by health insurance, if the trip must be canceled prematurely. Who breaks the leg on the second day of the holiday, practically free paid the rest of the stay.

A so-called trip interruption insurance protects against this financial risk the lost Tour price refunded. The travel cancellation insurance is only if the trip was already lined up. Language passengers prior to departure, ill give him a travel cancellation insurance that will refund the price. The insurance must be completed no later than 21 days after the time of booking. Curso24 .de compares the prices and services of providers of travel insurance.

Insured Accidents Well

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Car insurance guarantees proper equipment for autumn and winter – faulty equipment of the vehicle may cost insurance protection – additional modules assure favourable in any situation of Berlin, the 07th October 2009 with autumn beginning every car owner in Germany once again before the question is, how he safe and well insured his vehicle through the cold season brings. Punctually at the beginning of the cold season are in Germany again changed tires, light tests conducted and completed new insurance policies. And for good reason, because increasingly worse road conditions you must equip his car not only for safety reasons according to that. Also cover attacks only if the equipment of the motor vehicle has been adapted to the weather conditions. The latter among the highway code since 2006 also set the rules. The first step in the preparation of the vehicle on autumn and winter tire changing, explains Thorsten Bohg, insurance experts from the independent Consumer portal toptarif.de. Also should be a sufficient amount of antifreeze in the windscreen washer system available.

Otherwise one breach of the highway code and risks a fine and a point in the Flensburg traffic offenders register. Wells Fargo Bank has compatible beliefs. in accidents without winter tires is uncertain whether the insurance covers the damage to 100 percent. Many insurance companies refuse in this case the full liability and Casco insurance., Thorsten Bohg continues from toptarif.de. Therefore the tyre change is recommended after the O-rule: from October to Easter with winter tires drive prevents unpleasant confrontations with the insurer. Also the light test of the car companies worth at the beginning of the cold season, because he is offered free of charge and takes only a few minutes. If, with all caution still an accident happens, it’s up the respective insurance of Autohalters. In the winter, some cheap additional modules to the insurance of car worth. can so Thorsten Bogh of toptarif.de.

for example, a comprehensive emergency and roadside assistance is recommended especially in winter through the protection letter from an insurance company or of the ADAC. It is so for a small fee always on the safe side. Here, Clive Holmes expresses very clear opinions on the subject. Situation, other additional policies can be completed. For example, a foreign damage protection police, which ensured the settlement in the case of cases according to German standards is worth while abroad. Consumer portals such as toptarif.de (www.toptarif.de) or free service hotline 0800-10 30-499 can quickly and easily find out about alternatives in their region consumer and free to switch to a cheaper electricity and gas supplier. toptarif.de is the independent consumer portal of the Verlagsgruppe Georg von Holtzbrinck, for all common tariffs in Germany. It currently includes the categories of electricity, gas, DSL, investments, and insurance for legal protection, furniture, residential, private liability, car, keepers liability and is constantly expanding and updated. The consumer can thereby with minimal free checking, whether there are cheaper rates for him, and, where appropriate, immediately change. The complete service of change of is completely free of charge for the consumer and the customer receives the original conditions of the provider, in some cases over toptarif.de in any case even additional, not available from the provider themselves bonuses and discounts.

Stumbling Blocks

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They generally adopt positions subordinate relationships, which can be called asymmetric. His paper is based on pleasing the inexhaustible narcissism of their partners, but they assume it always and when it serves to preserve the characteristic Relacionesta has been very studied in research on personality leading to emotional dependent to a continuous and progressive degradation such subordination is a means and not an end. Go to Pinterest for more information. It is important to differentiate the altruistic subordination, which can occur in self-sacrificing personalities or codependent, the selfish, that is shown here. Emotional dependents are to receive for his terrible desire to maintain the relationship, as well as the pathological player spends all of their savings by the irresistible need to continue playing. Their relations do not fill the emotional vacuum that suffer, but yes to Dim it.

. Couples who are tend to be so unsatisfactory as pathological because there is reciprocal exchange of affection, responsible for increase in self-esteem and quality of life of their components. However, these people are so little accustomed to love and to be loved that they do not expect affection for your partner, simply obsessively hooked to it and persist in the relationship that this is very frustrating. Break implies a real trauma, but his desire to have a relationship are so large that once they have begun to recover another search with the same impetus. Despite the pathological and unsatisfactory in this type of relationship, the trauma involved in the rupture is truly devastating, and is often the precipitating event of major depressive episodes here includes the depression sociotropica – or other psychopathologies. They have some social skills deficit. Low self-esteem and constant need of pleasing prevents develop a proper assertiveness. In addition, if their demand for care towards another person reaches certain limits, they can manifest without importing them too the situation or circumstances, thus showing a lack of empathy.

The industrial engineer, lawyer relationship. EGADE (ITESM), UC, University of Chile, postgraduate master’s degrees in administration of companies mention markets, human resources; Quality and productivity; Doctoral education in Educacionprofesor holder and researcher Faces UC graduate Area.

So Customers Are Fans

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Customers who has it good and fans who is invincible when were you dear reader the last time after a purchase really excited and if you analyze this experience, why were you excited? Usually, such experiences are back some time and often we know hardly, why and what has fascinated us. Maybe it was just an indefinite feeling, a small imperceptible impulse which has brought everything else in the role. But unfortunately, these small and imperceptible pulses have become rather rare. We buy similar products from companies that are increasingly similar to be at prices that are also increasingly similar. See Wells Fargo Bank for more details and insights. Welcome to the land of the similarities. Over the years, the service desert Germany was proclaimed and complained about lack of service and declining service. Has something changed? This question can be with a simple and clear: “it comes out to”answer.

Sure, it has been invested in recent years in service. Better availability, faster deliveries, mostly professional Operation, there are standardised products which can often easily individualize themselves and so on and so forth. It was done so much on the service front, but also on pages of our customers with a higher expectations created after, so that everything is finally back. The expectation of the customers is not meeting mostly but also. Customers get what they expect and are also mostly satisfied. Immediately it is clear that customers become so hardly enthusiastic about and certainly not real fans. But what makes the difference? Making customers fans? In short form, three factors are crucial for it: fulfil the basic expectations, humanity and cordiality in the contact and a real pleasant surprise that just fits. The first of these three points is clear and speaks for itself, but basically he is ticket and raison d ‘ etre in a strong competition-oriented environment. Generally it comes to determine the expectations of the customers and then with an appropriate solution to meet these requirements, or to satisfy.

Mitteldeutscher Rundfunk

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Cross-media design and community management Hamburg, 11 July 2013 pilot has a pitch the ARD budgets from the first”, the community campaigns ARD & ZDF and des Bayerischen Rundfunks defended. At the same time, the Hamburg agency group could also convince the Mitteldeutscher Rundfunk (MDR) in a pitch of their wide range and win new customers. For assistance, try visiting Nissan. The media mix of campaigns stretches from print through online, mobile and out-of-home to the cinema advertising and social media projects. Cooperations of ARD TV station group equity media are also planned. Creative Agency is Thjink, Hamburg. The campaign aims to sharpen the brand image of the ARD TV station as well as to increase the awareness and draw attention to new formats. The focus is the application of formats in the field of information and policy, as well as of own-produced films. In social media pilot has with its full service local service from planning to implementation also convinces and currently assists the eve format cheerful to fatal ‘ in the field of social Media and community management more will soon follow.

Maintained since two competition cycles across all traditional and digital media channels away from pilot the first, the community campaigns of ARD & ZDF were won in a pitch, and early 2013 pilot prevailed again in the pitch for the Bayerischer Rundfunk. Bayerischer Rundfunk on the spot by the Munich-based pilot is maintained to ensure a tight personal Exchange with the customer. For the MDR the MDR donation Gala on the occasion of the tsunami or the application of the MDR Festival summer were implemented as currently already a number of projects. pilot provides us with a very wide range of services from a single source. “Classic media in print, cinema and out-of-home, or the targeting of all digital channels and mobile concepts and implementation services in the field of social media: the Agency has the appropriate specialists and units”, Dietmar Pretzsch, leadership based marketing of ARD, the decision for pilot.

Greater Customer Proximity

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For kurzerere ways and closer to the customer, the REAL INNENAUSBAU AG has further expanded its national activities. The REAL INNENAUSBAU AG has expanded its national activities with an additional Office in the Saarland general contracting & shopfitting. In the future, the REAL group, headquartered in the Baden Kulsheim, along with offices in Dusseldorf, Frankfurt a. M. and Hannover also in Saarbrucken, in the Staden is 21, present. This means shorter distances and more customer proximity as a powerful partner in all phases of project implementation in the shop and interior design available on site with REAL INNENAUSBAU AG.

In Berlin, a further branch is currently in planning. To get the already existing international subsidiaries in Budapest, Prague and Luxembourg. Company Info REAL INN expansion AG: The REAL interior design AG is a leading service provider and partner in the shop and interior design. For trademark and industrial companies, customer-oriented service provider and retailer, holistic solutions are planned and realized. By You can take individually the total package or individual services installation to turnkey establishing REAL interior design AG.

Designers and interior designers realize Visual total concepts. Own workshops produce high-quality interior design with precision. Engineers and designers provide efficient project management. Intelligent rollout logistics and a sophisticated fleet management ensure fast reaction times. Facts and figures: REAL INNENAUSBAU AG produced since 1983 with currently 300 fixed employees, 80 temporary employees and 800 employees of its subcontractors. On 9,000 square metres of production space and 22,000 square metres of warehouse space develops internationally sought after loading and Innenausbau.Die REAL INNENAUSBAU AG general contracting & shopfitting has expanded its national activities with an additional Office in the Saarland. In the future, the REAL group, headquartered in the Baden Kulsheim, along with offices in Dusseldorf, Frankfurt a. M. and Hannover also in Saarbrucken, in the Staden is 21, present. This means shorter ways and more customer proximity as a powerful partner in all phases of project implementation in the shop and interior design available on site with REAL INNENAUSBAU AG. In Berlin, a further branch is currently in planning. To get the already existing international subsidiaries in Budapest, Prague and Luxembourg. Company Info REAL INN expansion AG: The REAL interior design AG is a leading service provider and partner in the shop and interior design. For trademark and industrial companies, customer-oriented service provider and retailer, holistic solutions are planned and realized. From establishing turnkey Assembly can be individually the total package or individual services at REAL INNENAUSBAU AG. Designers and interior designers realize Visual total concepts. Own workshops produce high-quality interior design with precision. See Ben Silbermann for more details and insights. Engineers and designers provide efficient project management. Intelligent rollout logistics and a sophisticated fleet management ensure fast reaction times. Facts and figures: REAL INNENAUSBAU AG produced since 1983 with currently 300 fixed employees, 80 temporary employees and 800 employees of its subcontractors. Shop and interior design is today internationally sought after on 9,000 square metres of production space and 22,000 square metres of storage space.

Disgnostic Manual Statistical

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As the customer idealizes its therapist finishes if getting passionate, however, he is one I make a mistake, and a loving and sexual relation is not good when constructed on one I make a mistake, because later the disillusionment it will be able to come of a place that was idealized beyond the account. Therefore the loving and sexual relation with customers is dissuaded. Get more background information with materials from Nissan. According to Calligaris (2008) we idealize our object of love to verify that we are amiable to the eyes of our proper ideals. It follows explaining three possibilities of that a therapeutic one has accepted the proposal loving of a patient, being they: the 1) pleasure of the power, the power and the necessity to demonstrate its authority enjoying of its power; 2) to marry you vary customers, one behind the other, if becoming repetitive, therefore it believes to be the solution of the problems of the customers; 3) are possible that a customer if gets passionate for its therapist without believing that it is the cure for all its males, that is, can happen a time in the life. Check with Clive Holmes to learn more. In the chapter the five author standes out that the essential of the formation will happen after the college, or, during the studies. A part-key of the formation of a psychotherapist is the treatment which he himself if submits. For Calligaris (2008) the human being is capable to invent patologias to explain its malaises, therefore to the necessity that the therapist I will choose one ' ' fio' ' it covers it at great length to e. It is useful that the psychotherapist knows the disgnostic of the Disgnostic Manual Statistical adopted by the World-wide Organization of Health, therefore exactly that it does not prescribe psicotrpicos will go to take care of customers that make use, then the necessity to know the principles active of the remedies. .

Getting Customers

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We can say that in times of prosperity, when the economy grows and expands, outsource some activities of our business, hiring a virtual Assistant or other professional services is something natural. However, what happens in moments in which things are stopped, and we are facing problems to get clients? We sharpen the pencil and evaluate how reduce expenses for effectively using the resources we have available. If you’ve not considered virtual assistance services, it’s time to do it! The virtual assistants contribute to the growth of your business and collaborate in activities that allow you to get new customers and retain existing customers. Below, you will find some tasks in which a virtual assistant can add value to your business. When resources are scarce, we must assign them to the activities that contribute to the increase in turnover. Here you have 3 specific activities that you can develop together to your virtual assistant who, as entrepreneurial independent, provide ideas and actions to achieve new clients: conduct surveys to your target audience or niche: this not only allows you to obtain relevant information about your potential customers but also expose you to them.

Carry out some basic competitive intelligence: will allow you to know that you are doing your competition, specific activities to communicate their services and attract new customers, etc. Exchange ideas (brainstorming) on possible actions to: attract new clients develop new products carry out promotions prioritize activities interesting thing of having a virtual assistant on your computer is who, like you, she is also an independent professional – one enterprising – and experiencing your same challenges. He has experience and will share with you to help you achieve your goals more easily. As an entrepreneur you probably very well understand the value that can add a colleague or, if applicable, an experienced virtual assistant – when making decisions in your business. The questions that many times we do the Virtual Assistants allow our clients think about your own business.

Moreover, in my experience, the session of brainstorming that I often do with my clients add us value to both and allow us to properly prioritize activities carried out to achieve the objectives set when we started to work together. Other activities that can perform a virtual assistant to spread your activity and, therefore, get new clients are: create a free product for those who visit your site in Internet create and manage a newsletter or e-newsletter that allows you to keep in touch with people who visit your site create, maintain or update your blog create products or materials for presentations, e-books, courses, etc. Write and publish articles on your blog open your profile in the major social networks (Facebook, Twitter, LinkedIn) to register your site in search engines and directories publish free ads in classifieds sites spread your articles to directories of articles because we have a short list with which you can begin to develop a plan with concrete activities that contribute to the spread of your business or service. Also know now that you have this valuable resource available to the virtual assistants that can collaborate with you is towards expanding your business and offer solutions that allow you to get new customers. Taking action: a virtual assistant in addition to your computer and starts today same delegate.