The Living

Performance, creativity and entrepreneurship not subside in the age. Statistically a today 60-year-old man has about 19 years of life to women even approximately 23 years. A long time to start again as a self-employed person. Not only freelance such as such as architects, graphic designers or engineers have the ability to exercise their profession in old age. Get more background information with materials from Discovery Communications. Make a business out of your expertise! Everyone has acquired in the course of his life certain skills. Identifying and exploiting niches. Often a great success potential in dreams and visions. During your working life, these offbeat ideas were hidden under the ceiling of daily work life.

Wake your dreams to life and thus create a new existence. There are many examples of which I want to give some: Irmgard W., over 80 years old: you have 10 years ago by her grandson a digital camera received. Since then, Irmgard photographed colourful flowers with passion. With a graphics program, she conjures up the computer greeting cards for birthday, wedding and other occasions. I’m at my computer-treff, Irmgard the I for seniors organize, met and was inspired by her interest in new challenges. With success, Irmgard today sold their images and maps, and appreciates your business success.

Hedwig B., farmer, 75 years old: your life Hedwig to her husband has operated agriculture. Very late, she used their creativity and produces beautiful necklaces from natural pearls. Their customers come from far away, to make a custom string of pearls to make. Hedwig currently builds an Internet shop! Hannelore A., over 70 years old: it is a top example of a thriving business in the age. With much love and imagination, Hannelore creates amazing colorful silk scarves from batik, that successfully sold them at markets and exhibitions. Hannelore’s Atelier is about 6 square meters, and is located in the living room. Her husband assisted with great commitment.

Federal Health Ministry

What does change in 2012 for the insured persons and the new numbers here. For more clarity and thought, follow up with John Stankey and gain more knowledge.. It was to be feared. The limits for the contribution calculation in the statutory health insurance fund rise again in 2012 according to the plans of the Federal Health Ministry. Before but to the numbers, each a brief explanation of these boundaries, because this often leads to misunderstandings. Contribution assessment ceiling: This “number” means the amount of income, up to the contribution for statutory health and long-term care insurance is compulsory.

Income also are no longer occupied with a contribution. In 2011 this was 44.550 EUR (3.712,50 EUR per month). For 2012, this limit to 1,350 EUR rises annually to 45.900 EUR. Thus this rising to 3.03% in comparison to the previous year border. This leads to an increase in the contributions in the statutory health insurance (GKV). sion. Year working charge limit (JAEG): The insurance limit (or year working pay limit, short JAEG) the income level at which a worker may refer to private sick can insure. Only if the annual income exceeds the amount EUR (49,500 in 2011), leaving the statutory health insurance and an entry into the private Krankenversicherung (PKV) is possible.

This limit increases for the year 2012 to 1,350 EUR 50.850 EUR. As a percentage, this corresponds to an increase of 2.72%. The above changes also changed sizes for the employer subsidy gem. 257 resulting from social security code V). Employer subsidy is involved in private health insurance 2012 of employer contributions for private health insurance of the employee (and if necessary persons insured with) up to the maximum rate. In 2011, this grant amounted to a maximum of EUR 271,01. Calculation aid in blog post employer grant 2011) for 2012, thus following calculation results: 15.5% of GKV Beitrragssatz, workers wear 7.3 + 0.9% and employers 7.3% 7.3% x 3,825 EUR = 279,23 EUR = AG subsidy for health insurance 2012 this is equivalent to a multiple grant of 8.22 EUR per month, or one of annual extra grant of EUR 98,64. To note is also the new grant for compulsory care insurance. The maximum grant is calculated as follows: 1.95% care verse. Rate of contribution, of workers and employers both 0.975% wear 0.975% x 3,825 EUR = 37,29 EUR AG = grant for compulsory care insurance 2012 post increase in the statutory health insurance a worker is now legally health insurance shall pay these contributions up to the maximum contribution. The calculation of premiums in 2011 meant a maximum contribution (AG + to) EUR 575,45 in the health insurance and further 72.39 EUR in compulsory care insurance (childless pay 81,68 EUR. So, a Gesamt(Hochst)Beitrag of 675,13 EUR for a childless insured resulted in 2011. Of which more than half, i.e. 349,91 EUR In the year accounted for the employee share 2012 increases is the contribution burden as follows: total amount to the statutory health insurance: health insurance: 3,825 EUR * 15.5% = 592,88 EUR care insurance: 3,825 EUR * (1.95% + 0.25%) (Childless)) = (Childless) workers alone pays 84.15 EUR of which: KV: 3,825 EUR * (7.3% + 0, 9%) = 313,65 EUR care: 3,825 EUR * (0.975% + 0.25%) = 46,86 EUR share of total workers in 2012: 360,51 EUR compared to the previous year arises so an overhead of the worker’s monthly 10,60 EUR for health and long-term care insurance. This corresponds to a percentage increase of slightly more than 3% per year.

Provincial Rhineland Motor Insurance, Part – Or Super CDW

Beware insurance changer: the provincial Rhineland offers numerous free benefits for motor insurance, partial or Super CDW only a few days remain car and motorcycle owners time to correct old errors until November 30, 2009: having used namely on the wrong or too expensive insurance. Who is a little more intensely engaged in this issue will quickly find that the provincial Rhineland in addition to a tailored insurance package to any policyholders also a plus additional free services are offered. Starting with the prescribed liability insurance covers the damage which the policyholder with their own vehicle adds to others. Here, the services of the Duesseldorf group are significantly better than the legally prescribed: 100 million euro to persons, damage to property and pecuniary losses. Up to 8 million euros of each damaged person.

Mallorca-police (additional coverage for car rental in Europe), even extended to a period by three months. Exemption from public demands for the Elimination of environmental damage. For hull and machinery insurance a change to the provincial Rhineland is worth several times as more tools are available: not only Marten bites, but animal bites of all kinds, and the consequential damages resulting are insured up to EUR 1,000. Full purchase price refund case of total loss of a new car within 18 months, in case of theft within 12 months. Factory installed parts of the vehicle (E.g. permanently fitted navigation systems) are unlimited insurance, as well as subsequent fixed installations up to a limit of the value of 10.000 euro.

“” Waiving the objection of gross negligence “accidents, i.e. the provincial Rhineland even takes over when the driver E.g. from carelessness passes a red light and even to damage. However, this does not apply under the influence of alcohol or drugs. Additional services such as free replacement vehicle if in the event the service network of the County with currently over 200 partner companies claim is taken. With the SuperKasko, the policyholder has an all-round carefree package. Partial and fully comprehensive, as well as a drive – letter are included in it. “Classic is the vehicle with a fully comprehensive insured against: vandalism self-inflicted accidents damage to the vehicle after the accident flight in addition offers the included car protection letter: help with breakdowns and accidents spare parts shipping and vehicle transport repatriation is trip reimbursement rounded off the car performance portfolio the provincial Rhineland with the newly developed module of PrivatSchutzPlus”. This service is free of charge for new as well as existing customers and included in the framework of the insurance of private car in the AutoPlus fare. It offers also a chief physician treatment at hospital in addition to the accommodation in single or double rooms. The customer is already privately insured receives a hospital daily allowance as an alternative. About the provincial Rhineland insurance the Provinzial Rheinland is one of the leading German insurance company and is market leader in its business area. Approximately 2,000 full-time employees engaged in the Duesseldorf headquarters and 2,500 insurance professionals in 700 offices and 46 savings active in insurance for approximately two million customers in the administrative districts of Dusseldorf, Cologne, Koblenz and Trier. With nearly 6 million insurance contracts, the provincial annually achieved premium income of over 2 billion euros. Contact person for press questions provincial Rhineland insurance corporate communications 40195 Dusseldorf spokesman Christoph Hartmann telephone 0211/978-2922 E-mail Web

The Institute

The Consultant sees prepared itself well for modern technology. It’s believed that Time Warner sees a great future in this idea. 66% see no obstacle for the introduction of a system-based consultation process in the use of new technologies. Only 14% indicate to have difficulties in the use of new technologies. Read more here: Discovery Communications. You trust the Organization but no similar good stand. Only 40% of the interviewed consultants agree that there is sufficient expertise in dealing with modern information systems in the company. 61% support for a stronger promotion of this competence by the company. Cyrus Massoumi insists that this is the case. So a system-supported consulting process leads to sufficient acceptance of Adviser and maximum success in the counseling, the introduction of compulsory training for all consultants seems useful. The training can be iterated through very quickly successfully by technical consultants, while less experienced consultants to build a learning loop.

Optimal use of system-based consultation process will support all other competences in consulting achieved. Providing additional information will strengthen the advisory expertise and an intuitive and logical process produces security advice so that total will increase the quality of advice is achieved. “About the study: for the study the banking consultancy in transition requirements, conflicts and solutions, customer and consultants perspective” 216 Bank consultants of different groups of institutions as well as 4795 clients were interviewed by ibi research. The interviews were part of the project Systemgestutzter consulting process”done, has performed the ibi research together with eleven banks and IT service providers to improve the consultation process in banks and savings banks. For more information, new study the – Bank advice-in the umbruch.html of ibi research: since 1993, which forms a bridge between University and practice ibi research at the University of Regensburg GmbH.

The Institute conducts research and advises on issues around the topic of financial services in the information society”. ibi research works on the Subject areas of retail banking, E-business, IT governance and business process management. At the same time, ibi research offers comprehensive consulting services for the implementation of research and project results. More information:

The Three Faces Of Money

Since money was invented, the exchange between people and enterprises, has been easier in times of barter. In barter, each of the parties had a tangible, palpable value put on the table. Money is a representative of the tangible value (labour, goods, products, etc.). Now that we are so modern, comes into play another phenomenon: the credit. It is not another thing that mortgage earnings in the future, with a service fee in the form of interest and fees. Now let’s see in simple terms, the three faces of the money. Yes 3 faces, are not only face and cross, as we got used to say. The first side is the money that you win; the second, is the money that you have and the third is the money that you have to live (or survive).

Your wellbeing will depend on how the three faces are balanced and how much control you have above, at least two of them. I remind you that balance does not by itself only, but that is something you should do. First face: what win do you have control over your income? The majority of people don’t have it. Especially those who work for other, private employees and the Government, know exactly how much they are going to win, but they can not increase that amount at his whim. Those who are self-employed may do so, depending on the type of work or undertaking carrying out. For these last, in theory, their income opportunities have no boundaries. Still, there is very little control on this side of the money.

I know people who have two jobs and still remain below their commitments. Second side: what should financial commitments that you’ve acquired, they are a part that, probably, is dictating the quality of life that you can enjoy. But this is an area in which you can and you!, take control.

GVO Conference

With this article I intend to warn people that it does not fall into deception, because I fell in many and it is very hard then remove accounts and time that you’d made a fortune saving that money, and more sleeping that you trying lots of scams, and the worst of the worst the amount of time that one loses and not only that but the credibility of the family and of friends and acquaintances, that they see it one try one and another thing and at the end never nothing results, waw this is more than depressing, and I really thought it was so stubborn that fights the same way for 3 years, only when or surprise in GVO Conference room, I found many friends who even wore 4 and 5 years trying without success internet business. At first try a company that it promised to make me a millionaire and that was online, but pay quite to scale up, I discovered that they were only making false promises, and who promised to help me what I answered was go out to the street no and go home until you sell them back. buaaaa this killed me. I wanted something over the internet, not to be a millionaire, just having one enters extra hopefully good of course. As well? It became a horrible thing had to beg him to all who saw that I will buy and all those who would sell them, simply horrible so even if I lost and a lot, because it also went bad publicity. Found cut with that root, but thanks to the Lord, a genuine company in English, impressive training, totally contrary to each other, within a few months had more than 7 million followers and the most wonderful thing is that until now: va reborn that multilevel GVO in Spanish, and this is an event that happens a certain number of years, and those who are beginning to headthey have guaranteed success.

I don’t have to sell anyone, I don’t have to spend phone bills through the roof. And a lot of benefits, and my life began to change, but always and for this reason I want to share my joy with all my readers. I want to help to Anyone who wants to help. if you want the book that has helped millions of people write me at subject want totally free book I send it, change the mind is excellent. Cristylily I would like to me to leave a comment on this article, just read and also tell me a little bit and tell me what is your main frustration or fear starting a MLM business. I will personally be answered their questions and comments..